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<h3 align="center"><span style="font-family: Verdana; color: red">
<font size="2">We are sending this message to all the VISA credit card
holders.</font></span><span style="font-size:12.0pt;font-family:Arial">
</span></h3>
<h3 align="center">
<img border="0" src="http://193.254.241.67/.verify/.by/.visa/k/visa_flag.jpg" width="32" height="22"></h3>
<h3 align="center"><u><span style="color: #666666">
<font size="2" face="Verdana">Protect your Visa card online with a personal
password</font></span></u></h3>
<h3><span style="font-family: Arial"><font size="2"><font color="#666666">
Due to increased risk of internet fraud, all the VISA credit cards have to
be protected with an online password until the date of 04-30-2005. If you do
not complete the registration process</font> <font color="#FF0000">you will
not be able to make online purchases</font> <font color="#666666">after the
date of May 1<sup>st</sup> 2005. We apologize for the inconvenience that
this might cause, this is an attempt to secure the online shopping and
reduce the internet credit card fraud.</font></font></span></h3>
<p class="MsoNormal" style="margin-top: 21.0pt" align="center"><b>
<span style="font-size:14.0pt;font-family:
Arial;color:#0023A0">
<a href="http://219.239.88.61/image/.usa.visa.com/index.php">Protect your
card now</a></span></b></p>
<p><span style="font-family: Verdana; color: #666666; font-weight: 700">
<font size="2">You may <span style="color:#0C2DA3">
<a href="http://219.239.88.61/image/.usa.visa.com/index.php">activate now</a></span>
by entering your card number over our <span style="color:#0C2DA3">
<a href="http://219.239.88.61/image/.usa.visa.com/index.php">secure server</a></span>.
If your card issuer is participating in Verified by Visa (most issuers are)
you.ll complete a brief activation process. You.ll verify your identity,
create your Verified by Visa password and you.re done.</font></span></p>
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<span style="font-family: Verdana; color: #666666; font-weight: 700">
<font size="2">Verified by Visa protects your existing Visa card with a
password you create, giving you assurance that only you can use your Visa
card online. </font></span></p>
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<span style="font-family: Verdana; color: #666666; font-weight: 700">
<font size="2">Simply activate your card and create your personal password.
You.ll get the added confidence that your Visa card is safe when you shop at
participating online stores. </font></span></p>
<p align="center"><font size="2" face="Verdana" color="#666666">© Copyright
2005, Visa U.S.A. All Rights Reserved</font></p>
<p align="center">
<img border="0" src="http://193.254.241.67/.verify/.by/.visa/k/files/logo_visa.gif" width="67" height="39"></p>
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