Dear Don,

We just want to make sure you didn't forget this convenient, FREE
way to pay your NextCard(R) bill! Remember, you can easily avoid
the hassle of sending your bill through the mail and the
frustration of late fees with NextCard Click Pay(SM)!

Click Pay offers you a free and easy way to pay your NextCard bill
online 24 hours a day. You can even have your bill paid
automatically so you never have to worry about it.

To enroll in Click Pay, use the following link. You'll be taken to
a Click Pay enrollment page to sign up. It's that easy!

Cut and paste this link into a Web browser:
http://community.nextcard.com:80/UM/T.asp?A7.85.430.1.7494219

Take a moment now to enroll in NextCard Click Pay! It's FREE and it
will save you money, time and paperwork!

Sincerely,

NextCard Cardholder Services
NextCard
www.nextcard.com