1. FINANCE CHARGES: 
a)Calculation Methods - Cash Advance:  F          Credit Purchases:  G 
   (See reverse side for calculation method descriptions). 
b) Periodic Rates used  to compute FINANCE CHARGES- 
Cash Advances:  .600% per month  Credit Purchases:  .600% per month  
Corresponding ANNUAL PERCENTAGE RATES- 

      Cash Advance: 7.20%        Credit Purchases: 7.20% 

c) For Cash Advances obtained Over the Counter equal to or greater than  
$1.00 a FINANCE CHARGE equal to the greater of $.01 or  2.00% of  the 
cash  advance  will  be  imposed;  however  this  charge  will  not  exceed 
$999.99    for    each  Over  the  Counter  Cash  Advance.  For Cash Advances 
obtained  at  an  Automated  Teller  Machine  (ATM)  equal  to  or  greater  than 
$1.00 a FINANCE CHARGE equal To the greater of $.00 or 2.00% of the 
cash  advance  will  be  imposed;  however  this  charge  will  not  exceed 
$999.99    for  each  ATM  Cash  Advance.  A  transaction  fee  may  also  be 
imposed by an ATM operator, not holding your account, or by any national, 
regional or local network used to complete a Cash Advance transaction. 

2.  OVER  LIMIT  CHARGES:  Cardholder  shall  immediately  pay  the  amount 
by which the total New Balance exceeds the maximum authorized credit. An 
Over Limit Charge equal to the greater of $.00 ,or .00% of the Amount over 
limit, shall be imposed, not to exceed $.00 (For California accounts see, Sec. 9). 

3. ANNUAL FEE: 
a)  A  non-refundable  Annual  Fee  of  $.00  plus  applicable  taxes,  shall  be 
charged to your account, or - 
b) Using Plan 0 (see  Sec. 11) An Annual Fee/FINANCE CHARGE OF $.00 
plus applicable taxes shall be charged unless, for the time period analyzed, 
you charged more than $0 or had more than 0  transactions on your card. 

4. MINIMUM PAYMENT: 
a)  The  minimum  payment  required  is  the  New  Balance  shown  on  your 
statement if the amount is equal to or less than $20.00 
b) If the New Balance exceeds $20.00 the minimum payment is 2.00% of 
that  portion  of  the  New  Balance  which  does  not  exceed  your  credit  limit 
(rounded up to the nearest dollar), or $20.00, whichever is greater, plus the 
entire  portion  of  the  New  Balance  in  excess  of  your  credit  limit,  plus  any 
amount past due. 

5. LATE CHARGES: If the minimum required payment is not received within
16  days after the Closing Date subsequent to the payment Due Date, a late
charge equal to the greater of 18.00, or .0% of the unpaid portion of the past
due amount is imposed, but not to exceed $18.00. 

6. The only FINANCE CHARGES assessed on your account other than those
assessed  by  a  periodic  rate,  will  be  transaction  FINANCE  CHARGES  in
connection with Cash Advances, or International Transaction Fees (i.e. cross-
border and/or currency conversion fees) of up to 1%, which may qualify as a
FINANCE CHARGE (see item O. n back), if part of your plan.  Transactions
FINANCE CHARGES for each Cash Advance will be imposed on the date the
Cash Advance was posted to your account.  No grace period applies on any
transaction FINANCE CHARGE imposed for Cash Advances. 

7. Documentary stamp taxes as may be required by law shall be imposed on
each Cash Advance at the time the loan is made. 

8.  The  annual  fee  shall  be  treated  as  a  Credit  Purchase  for  purposes  of
calculating FINANCE CHARGES, unless prohibited by law. 

9.  In  California  a  maximum  of $10 in Over Limit Fees may be imposed with
respect  to  any  charge  that  causes  the  outstanding  balance  to  exceed  the
credit  limit  by  $500  or  120 percent,  whichever  is  less.  No  more  than  one
over limit charge may be assessed within a single monthly billing cycle. 

10. If you have other loans or credit extensions from Issuer, or take out other
loans  or  credit  extensions with Issuer  in the future, collateral securing those
loans  or  credit  extensions  will  also  secure  your  obligations  under  this
agreement. However, unless you expressly agree otherwise, your household
goods  and  dwelling  will  not  secure  your  obligations  under  this  agreement
even  if  Issuer  has,  or  later  acquires,  a  security  interest  in  the  household
goods  or  a  mortgage  on  the  dwelling.  If  you  have  executed  a  written
agreement  granting  a  security  interest  in  any  deposit  accounts  (checking,
savings,  or  share  accounts)  or  other  funds  held  by  Issuer  to  secure  your
obligations  under  this  credit  card  plan,  such  accounts  and/or  funds  are
additional  security  for your obligations to Issuer arising from the use of your
Card. 

11.  Annual  Fee  Plans:  Your  Annual  Fee  waiver  analysis,  under  the  Plan
noted  in  Section  3.b, only includes the following transactions: Plan 1: Gross
Sales;  Plan  2:  Gross  Cash  Advances;  Plan  3:  Net  Sales;  Plan  4:  Net  Cash
Advances; Plan 5: Gross Sales plus Gross Cash Advance; Plan 6: Net Sales
plus Net Cash Advances (Note: Time period analyzed shall be prior 12 month
period; however, initial time period may be less than 12 months as it begins
on  the  date  you  were  notified  of  this  program.  Annual  Fees  shall  not  be
waived for cardholders in default). 

  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                                                                                                                                                
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
  
  
  
  
 
 
 
 
 
 
 
 
 
                                          
PERIODIC FINANCE CHARGE CALCULATION METHODS 

The periodic Finance Charge Calculation Method applicable to your account for Cash Advances and Credit purchases of goods and services that you obtain through the use of your Card is specified  
in Section 1 on the Disclosure on the reverse side and explained below: 
   Method A - Average Daily Balance (including current transactions).  The Finance Charge on purchases begins from the date the transaction is posted to your account and the Finance Charge on  
cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later.  There is no grace period.   
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of your account.  To get the average daily balance, we take the beginning balance 
of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges.  This gives us the daily balance. Then we add up all 
the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. 
   Method E - Average Daily Balance (excluding current transactions).  To avoid incurring an additional Finance Charge on the balance of purchases (and cash advances if Method E is specified as  
applicable to cash advances) reflected on your monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date.  The grace period for the  
New Balance of purchases extends to the Payment Due Date. 
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of purchases (and if applicable, cash advances).  To get the average daily balance,
we take the beginning balance of your account each day and subtract any payments, credits, non-accruing fees, and unpaid finance charges. We do not add in new purchases or cash  
advances.  This gives us the daily balance.  Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.  
   Method F - Average Daily Balance (including current transactions).  To avoid incurring an additional Finance Charge on the beginning balance of cash advances (and purchases, if Method F is  
specified as applicable to purchases) reflected on your monthly statement, you must pay the Beginning Balance shown on your monthly statement on or before the Payment Due Date. No grace  
period is provided for current cycle transactions. 
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of cash advances (and if applicable, purchases).  To get the average daily balance,
we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges . This gives us the 
daily balance.  Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle.  
   Method G - Average Daily Balance (including current transactions).  To avoid incurring an additional Finance Charge on the balance of purchases (and cash advances, if Method G is specified as  
applicable to cash advances) reflected on your monthly statement and, on any new purchases (and if applicable, cash advances) appearing on your next monthly statement, you must pay the New  
Balance, shown on your monthly statement, on or before the Payment Due Date.  The grace period for the New Balance of purchases extends to the Payment Due Date.   
   The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the "average daily balance" of purchases (and if applicable, cash advances).  To get the average daily balance,
we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily
balance.  Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. 

TERMS GOVERNING THE USE OF YOUR CARD 

   The person ("Cardholder") whose name is embossed on the face of the VISA ("Card") enclosed herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the  
same account number, by signing or  using said Card, receipt of which is acknowledged, agrees with the Issuer of the Card whose name is printed on the reverse ("Issuer") as follows 
  A. Goods and services ("Credit Purchases") may be purchased or leased by means of such card by Cardholder from any retail Business establishment ("seller") who honors same upon the execution of a 
sales slip evidencing such Credit  Purchases and bearing the account number of Cardholder embossed on the face of such Card. Additionally, VISA Cash Advances ("Loans") may be obtained through use of 
such Card (a) upon execution of a written request of Cardholder in a form furnished to Cardholder from any financial institution that is a member, alone or in association with others, of VISA U.S.A. Inc. and (b) 
upon execution of a written separate agreement with Issuer for a VISA overdraft financing agreement if offered by Issuer. 
  B. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card unless the use of such Card is by a  
person other than the Cardholder (a) who  does not have actual,  implied or apparent authority for such use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and 
severally liable and agrees to pay for all Credit Purchases and Loans  obtained through the use of any other Card bearing Cardholder's account number that has been issued to another person by reason of 
such person being a member of Cardholder's family, or otherwise issued upon Cardholder's request  (all such Cards bearing the VISA account number hereinafter collectively called ("Related Cards"). 
  C. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures on the reverse) for participation in the Issuer's credit card plan. Such annual membership fee shall be  
imposed whether or not Cardholder uses the card to obtain credit purchases and loans. The membership fee shall be charged to Cardholder's account each year in the month of Issuer's choice. The  
membership fee is not refundable in the event of termination of the  account by either Cardholder or Issuer unless otherwise provided for by law. 
  D. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof  
revoked, at any time without prior notice. 
  E. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans, which will increase Cardholder's indebtedness to Issuer to an amount in excess of the  
limit established by Issuer. 
  F. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash  
Advancing Financial Institution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be  
shown as a credit on Cardholder's account statement with Issuer. 
  G. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all VISA Card and Related Card transactions. Such statement shall be  
deemed correct and accepted by Cardholder and all holders of Related Card unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such  
statement by remitting to Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder's option, an installment equal to at least the required  
minimum payment stated in Section 4 on the reverse. 
  H. Interest on Loans and Credit Purchases will be charged in accordance with the finance charge calculation method referred to in Section 1 of the disclosures on the reverse side.  The rate of  
interest shall be established by Issuer  from time to time, but shall never exceed the maximum rate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth in  
Section 1 of the Disclosures on the reverse side. 
  I. If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are  
initiated against Cardholder or his  property, Issuer may elect to declare all amounts then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has  
other loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder's obligations under this agreement. However, unless the  
Cardholder expressly agrees otherwise, the Cardholder's household goods and dwelling will not secure Cardholder’s obligations under this agreement even if Issuer has or later acquires a security  
interest in the household goods or a mortgage on the dwelling. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder’s indebtedness or in enforcing this agreement, including  
reasonable attorney's fees and also those costs, expenses and attorney's fees incurred in appellate, bankruptcy and post-judgement proceedings, except to the extent such costs,  fees or expenses  
are prohibited by law.  
  J. This agreement may be amended from time to time by Issuer by written notice mailed to Cardholder at Cardholder's last known address. 
  K. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement and all matter's arising out of the issuance and use of the Card shall be governed  
by the laws of the state in which the principal office of Issuer is located. 
  L. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not honored by your financial institution, request a copy of a document, request a replacement card or  
use your card for a transaction at an  automated teller machine, if such charges are not prohibited by law or regulation. No finance Charge will be assessed on such additional charges. 
  M. Cardholder may be liable for the unauthorized use of the Card or Related Cards as provided in this paragraph. The Cardholder will not be liable for any unauthorized use that occurs after the  
Issuer is notified, orally or in writing at:  Credit Card Security Department          Telephone Number 
                                                               P.O. Box 30035                                      (727) 570-4881 
                                                               Tampa, Florida 33630 
If Cardholder has a consumer account or a business account for which less than 10 cards have been issued, Cardholder's liability for unauthorized use of a card will not exceed $50.00. If 10 or more  
cards are issued to employees of a single business or other organization, there is no limit to Cardholder's liability for any unauthorized use that occurs before Cardholder notifies Issuer as provided  
herein: the business or organization may only impose liability on its employees for unauthorized use of a card as authorized by federal law and regulation. 
  N. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder. 
  O. Payments must be made to the Issuer in U.S. dollars drawn on a U.S. Financial Institution.  If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars.  The 
exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may 
vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date. All transactions in foreign countries will be subject to a 1% conversion or processing 
fee. 
  P. Issuer shall have sole discretion in how payments are applied to cardholder's account. Issuer may accept checks marked "Payment in Full" or with words of similar effect without losing any of  
Issuer's rights to collect the full balance of Cardholder's account. 
  Q. Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder's credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional 
information, request credit bureau reports and/or otherwise verify Cardholder's current credit standing. 
  R. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, regarding the status and history of Cardholder's account, However, Issuer is not obligated to release  
any such information to anyone unless Issuer is required by law to do so. 
  S. Cardholder agrees that Cardholder's account shall be subject to all applicable rules and regulations of VISA U.S.A. Inc., as applicable, as well as all applicable laws. If there is any conflict  
between the provisions of this Agreement  and the rules and regulations of VISA U.S.A. Inc. the rules and regulations of VISA U.S.A. Inc. shall control. Your Visa Card may not be used for any illegal  
transaction(s). 

06/17/05