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<div class=3DSection1>

<p class=3DMsoPlainText style=3D'margin-left:1.5in;text-indent:.5in'><b
style=3D'mso-bidi-font-weight:normal'><span style=3D'font-size:12.0pt;mso-=
bidi-font-size:
10.0pt;font-family:"Times New Roman"'>CREDIT APPLICATION<o:p></o:p></span>=
</b></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>In order for our office to properly consider
your request for credit, the following information must be provided:<o:p><=
/o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>NAME</span></b><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>
__________________________________________________ DATE ________________<o=
:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>How long have you lived at your current add=
ress?<span
style=3D'mso-spacerun:yes'>&nbsp; </span>____Years _____Months<o:p></o:p><=
/span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>Regarding your present home, do you: ___ OW=
N or
___ RENT this property?<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>Previous
Address________________________________________________________________<o:=
p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span class=3DGramE><b style=3D'mso-bidi-font-weig=
ht:normal'><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>EMPLOYMENT</span></b><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'><span
style=3D'mso-spacerun:yes'>&nbsp; </span>Current</span></span><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>
Employer: ________________________________________________<o:p></o:p></spa=
n></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><span style=3D'mso-tab-count:4'>&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span><span class=3DGramE>Yrs.<span style=3D'mso-tab-count:1'>&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Mos.</span>=
<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>How long have you been employed at your cur=
rent
employment<span class=3DGramE>?_</span>_____ <span style=3D'mso-tab-count:=
1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>______<o:=
p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><span style=3D'mso-tab-count:4'>&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;
</span><span class=3DGramE>Length<span style=3D'mso-spacerun:yes'>&nbsp;&n=
bsp;
</span>Yrs.</span><span style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp; </sp=
an><span
style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp; </span><span
class=3DGramE>Mos.</span><o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>Previous <span class=3DSpellE>Employer_____=
____________________________of</span>
work ______ <span style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>________<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span class=3DGramE><b style=3D'mso-bidi-font-weig=
ht:normal'><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>SPOUSE</span></b><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'><span
style=3D'mso-spacerun:yes'>&nbsp; </span>Your</span></span><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>
Spouse's Name and Employer: ________________________________________<o:p><=
/o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>___________________________________________=
___________________________________<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span class=3DGramE><b style=3D'mso-bidi-font-weig=
ht:normal'><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>BANK
</span></b><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-=
family:
"Times New Roman"'><span style=3D'mso-spacerun:yes'>&nbsp;</span>Name</spa=
n></span><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>
of your Bank: _______________________________________________________<o:p>=
</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>REFERENCES
</span></b><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-=
family:
"Times New Roman"'>_______________________________________________________=
___________<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><b style=3D'mso-bidi-font-weight:normal'><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>FINANCIAL
TERMS</span></b><span style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;
font-family:"Times New Roman"'>: How would you like to pay for your servic=
es in
our<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span class=3DGramE><span style=3D'font-size:12.0p=
t;
mso-bidi-font-size:10.0pt;font-family:"Times New Roman"'>office</span></sp=
an><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>?<span
style=3D'mso-spacerun:yes'>&nbsp; </span>Amount: $______________
every____________ (Both blanks must be completed.)<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>** NOTE: Completing this application does n=
ot
guarantee that credit will be given, or that the terms <o:p></o:p></span><=
/p>

<p class=3DMsoPlainText><span class=3DGramE><span style=3D'font-size:12.0p=
t;
mso-bidi-font-size:10.0pt;font-family:"Times New Roman"'>you've</span></sp=
an><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>
requested will be granted.<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>Office Staff Recommendation:
_____________________________________________________<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>Doctor's Approval and Terms:
_____________________________________________________<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>NOTE:<span style=3D'mso-spacerun:yes'>&nbsp;
</span>This agreement must be approved before glasses or contact lenses ca=
n be
ordered.<span style=3D'mso-spacerun:yes'>&nbsp; </span>A <o:p></o:p></span=
></p>

<p class=3DMsoPlainText><span class=3DGramE><span style=3D'font-size:12.0p=
t;
mso-bidi-font-size:10.0pt;font-family:"Times New Roman"'>rebilling</span><=
/span><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>
charge of $2.00/month will be charged after 60 days past due.<o:p></o:p></=
span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>- - - - - - - - - - - - - - - - - - - - - -=
 - -
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - =
- - -
-<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>I hereby accept the Extended Payment Plan
outlined below and agree to make payments as <o:p></o:p></span></p>

<p class=3DMsoPlainText><span class=3DGramE><span style=3D'font-size:12.0p=
t;
mso-bidi-font-size:10.0pt;font-family:"Times New Roman"'>scheduled</span><=
/span><span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>.<span
style=3D'mso-spacerun:yes'>&nbsp; </span>I understand that if I fail to ma=
ke
these payments my account will be turned over to an attorney, <o:p></o:p><=
/span></p>

<p class=3DMsoPlainText><span class=3DGramE><span style=3D'font-size:12.0p=
t;
mso-bidi-font-size:10.0pt;font-family:"Times New Roman"'>in</span></span><=
span
style=3D'font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:"Times New=
 Roman"'>
which case I will be obligated to pay the costs of collection, court, and =
legal
fees<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>in addition to the balance owed in this off=
ice.<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>Total Fees: $______________ Amt. Paid:
$______________ Total Loan: $______________<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'>I agree to pay $______________ every
_____________________________________.<o:p></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><o:p>&nbsp;</o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</span>______________________________________________<span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp; </span>___________<o:p=
></o:p></span></p>

<p class=3DMsoPlainText><span style=3D'font-size:12.0pt;mso-bidi-font-size=
:10.0pt;
font-family:"Times New Roman"'><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;
</span><span style=3D'mso-tab-count:1'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>Account
Responsible Signature<span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;
</span><span style=3D'mso-tab-count:2'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span
style=3D'mso-spacerun:yes'>&nbsp;&nbsp;</span>Date<o:p></o:p></span></p>

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