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As used in the Arbitration Provision, the terms we and us shall for all purposes mean the Bank, wholly or majority owned subsidiaries, affiliates, licensees, predecessors, successors, and assigns; and all of their agents, employees, directors and representatives. In addition, we or us shall include any third party using or providing any product, service or benefit in connection with any Cards (including, but not limited to merchants who accept the Card, third parties who use or provide services, debt collectors and all of their agents, employees, directors and representatives) if, and only if, such third party is named as a co-party with us (or files a Claim with or against us) in connection with a Claim asserted by you. As solely used in this Arbitration Provision, the terms you or yours shall mean all persons or entities approved by us to have and/or use a Card, including but not limited to all persons or entities contractually obligated under any of the Agreements and all Additional Cardholders. private equity fund of funds

(c) Initiation of Arbitration Proceeding/Selection of Administrator: Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed. Claims shall be referred to either the National Arbitration Forum ( NAF ), Judicial Arbitration and Mediation Services ( JAMS ), or the American Arbitration Association ( AAA ), as selected by the party electing to use arbitration. If a selection by us of one of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select either of the other organizations listed to serve as arbitrator administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: (i) the NAF at P.O. Box 50191, Minneapolis, MN 55404; (ii) JAMS at 1920 Main Street, Suite 300, Los Angeles, CA 92614; website at www.jamsadr.com; (iii) AAA at 335 Madison Avenue, New York, NY 10017; website at www.adr.org. curve equity exposed fund

(d) Significance of Arbitration: IF ARBITARTION IS CHOSEN BY ANY PARTY WITH RESPECT TO A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR HAVE A JURY TRIAL ON THAT CLAIM, OR TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED FOR IN THE CODE OF PROCEDURES OF THE NAF, JAMS, OR AAA, AS APPLICABLE (THE CODE ). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING OT ANY CLAIM SUBJECT TO ARBITRATION. EXCEPT AS SET FORTH BELOW, THE ARBITRATOR S DECISION WILL BE FINAL AND BINDING. NOTE THAT OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. equity income funds

(e) Restrictions on Arbitration: If either party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis. There shall be no right or authority for any Claims to be arbitrated on a class action basis or on bases involving Claims brought in a purported representative capacity on behalf of the general public, other Cardholders or other persons similarly situated. The arbitrator s authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator s authority to make awards is limited to you and us alone. Furthermore, Claims brought by you against us or by us against you may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. capital casebook equity

(f) Location of Arbitration/Payment of Fees: Any arbitration hearing that you attend shall take place in the federal judicial district of your residence. At your written request, we will consider in good faith making a temporary advance of all or part of the filing administrative and/or hearing fees for any Claim you initiate as to which you or we seek arbitration. At the conclusion of the arbitration (or any appeal thereof), the arbitrator (or panel) will decide who will ultimately be responsible for paying the filing, administrative and/or hearing fees in connection with the arbitration (or appeal). If and to the extent you incur filing, administrative and/or hearing fees in arbitration, including for any appeal, exceeding the amount they would have been if the Claim had been brought in the state or federal court which is closest to your billing address an would have had jurisdiction over the Claim, we will reimburse you to that extent unless the arbitrator (or panel) determines that the fees were incurred without any substantial justification. private investment in public

(g) Arbitration Procedures: This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (the FAA ). The arbitration shall be governed by the applicable Code, except that (to the extent enforceable under the FAA) this arbitration Provision shall control if it is inconsistent with the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable status of limitations and shall honor claims of privilege recognized at law and, at the timely request of either party, shall provide a brief written explanation of the basis for the decision. In conducting the arbitration proceeding, the arbitrator shall not apply the Federal or any state rules of civil procedure or rules of evidence. Either party may submit a request to the arbitrator to expand the scope of discovery allowable under the applicable Code. The party submitting such a request must provide a copy to the other party, who may submit objections to the arbitrator with a copy of the objections provided to the request party, within fifteen (15) days of receiving the requesting party s notice. The granting or denial of such request will be in the sole discretion of the arbitrator who shall notify the parties of his/her decision with in twenty (20) days of the objecting party s submission. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitrator s decision will be final and binding, except for any right of appeal provided by the FAA. However, any party can appeal that award to a three-arbitrator panel administered by the same arbitration organization, which shall consider anew any aspect of the initial award objected to by the appealing party. The appealing party shall have thirty (30) days from the date of entry of the written arbitration award to notify the arbitration organization that it is exercising the right of appeal. The appeal shall be filed with the arbitration organization in the form of a dated writing. The arbitration organization will then notify the other party that the award has been appealed. The arbitration organization will appoint a three-arbitrator panel which will conduct an arbitration pursuant to its Code and issue its decision within one hundred and twenty (120) days of the date of the appellant s written notice. The decision of the panel shall be by majority vote and shall be final and binding. equity mutual funds

(h) Continuation: This Arbitration Provision shall survive termination of your Card as well as voluntary payment of the debt in full by you, any legal proceeding by us to collect a debt owed by you, and any bankruptcy by you or us. If any portion of this Arbitration Provision is deemed invalid or unenforceable under any principle or provision of law or equity, consistent with the FAA, it shall not invalidate the remaining portions of this Arbitration Provision, the Agreement or any prior agreement you may have had with us, each of which shall be enforceable regardless of such invalidity. birmingham contact equity

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AccountNow board of directors are financial service and payment system leaders - AccountNow, Inc. Contact Us

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Board of Directors

AccountNow board members are experienced financial service and payment systems leaders. Our board helps guide our future strategy and initiatives. Tim Coltrell, Chief Executive Officer The visionary leader of AccountNow with more than 22 years of financial services industry experience, Tim Coltrell has served as the Company CEO since its inception in 2004. During his tenure, Tim raised three rounds of capital totaling $21 million, while establishing the company as one of the premier providers of financial services to good people who have been turned away by traditional banking institutions. private equity jobs

Prior to starting AccountNow, Tim was one of the founders of the credit card company NextCard. Serving as Chief Operations Officer, Tim scaled operations to support company growth from start-up to over 1, 200 employees in three years. equity investment strategy

Tim also was President and CEO of GE Capital Consumer Card Company, where he headed operations for Consumer Financial Services, a credit card division of GE Capital. Prior to joining GE, Tim held numerous roles across the operations group at Providian. He began his career at Citicorp as a manager of a collections group. education equity investment

Tim has a BA in Social Ecology and an MBA with an emphasis in Technology and Entrepreneurship from the University of California, Irvine. Shailesh Mehta, Chairman of the Board Dr. Mehta is president and CEO of Granite Hill Capital Ventures as well as chairman of Peach Direct, a private label credit card company. He was previously chairman of the board and CEO of Providian Financial Corporation, an S P500 company. Dr. Mehta is a trustee of Cal State University. Known for his philanthropic activities, he formed the Shailesh J. Mehta and Kalpa S. Mehta Charitable Foundation, which has given millions in grants to various institutions. Dr. Mehta advises Beganto on matters of network marketing and peer-to-peer adoption. private equity company

James A. Hale Jamie Hale is a Partner of Oak Hill Investment Management and concentrates his efforts on private equity manager selection, secondaries, and direct investments. During his tenure at Oak Hill, Jamie has played a key role in the establishment of OHIM secondary investment activities. Prior to joining OHIM, Jamie was a Principal in Oak Hill direct venture practice and an investment banker at Lazard Freres Co. Jamie holds a B.A. in Economics and Government from Bowdoin College and an M.B.A. from Harvard Business School. equity guide in investment

Christopher P. (Woody) Marshall Woody Marshall joined Trident Capital in 1996 as a Principal and has been a Managing Director since 1998. In this role, he focuses on the payments, internet and communications technology markets. From 1992 to 1994, he was an Associate with the Leveraged Capital Group of Banque Paribas. Earlier in his career, Woody was a Financial Analyst in the Corporate Finance department of Chase Manhattan Bank, where he specialized in merchant banking transactions. contact equity private quebec

Woody s current directorships include AccountNow, Advanced Payment Solutions, Arantech, Bytemobile, eGistics, Merchant eSolutions, MegaPath, and Xata Corporation (XATA). He is also responsible for investment oversight on AirTight Networks, Kayak.com, mBlox and Sabre Holdings. home equity investment

Woody s past investments include American Cellular (acquired by AT T/Dobson), CommSite International (acquired by American Tower), bamboo.com (acquired by Internet Pictures (IPIX)), Internet Securities (acquired by Euromoney), MapQuest.com, Inc. (MQST) (acquired by AOL) and SideStep (acquired by Kayak.com). dimension equity in private

Woody earned his B.A. from Hamilton College and his M.B.A. from the J.L. Kellogg Graduate School of Management at Northwestern University. Stephen B. Galasso Mr. Galasso has an extensive financial services background. Since early 2005 Mr. Galasso has been strategic advisor and independent board director to Advanced Payment Solutions, an early stage company that launched the UK s first prepaid bankcard. Prior to joining Advanced Payment Solutions, Mr. Galasso was Chairman and CEO of NetSpend Corporation, a US prepaid payment solutions company. Under Steve s leadership NetSpend grew from less than $1 million in revenues in 2001 to over $40 million in forward revenues in 2004. The company won the Portfolio Company of the Year award in 2003 from the National Association of Small Business Investment Companies (NASBIC). It is one of the largest and fastest growing prepaid companies in the world. The company was sold in 2004. credit equity home investment

Mr. Galasso was also formerly the President and CEO of Universal Value Network, a payment card and data management company, which he was instrumental in selling in 2000. Prior to that venture, Mr. Galasso was the President and CEO of Bank of America s credit card company. He grew that company to be Visa s fifth largest issuer worldwide. Prior to Bank of America, Mr. Galasso was Vice President and Marketing Director of Communications, Strategic Planning and New Products for Citibank, Visa and MasterCard products. private equity investor

Mr. Galasso earned his B.S. degree in Marketing from Fordham University and an M.B.A. from Fordham University Graduate School of Business in New York. Esfandiar Lohrasbpour Esfandiar heads INVESCO Private Capital s office in Palo Alto, California. His focus is technology investments. Since joining the group in 1998, he has led INVESCO s investments in ONI Systems, Endwave, Fastparts, Integrated MicroMachines and Sigmatel. He is a member of the Board of Directors of Endwave (now public), Integrated MicroMachines and Fastparts. equity guarantee insurance

Esfandiar began his career in 1982 as a member of the AT T s Technical Staff in Bell Labs s semiconductor devices area. He later joined the CFO Group at Corporate Headquarters, helping to integrate the MicroElectronics Division s business plan into the total AT T business plan. In 1987, as CFO and Director of Operations, he co-founded a startup called Pixel Machines, a hardware plus software company in the image processing and 3D graphics business. private equity analyst

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