AGREEMENT
        
            Subject to the terms and conditions of this Agreement, Dunes
            Community Development District (DCDD), which operates the Hammock Dunes Bridge ExpressCard
            Customer Service Center (Service Center) agrees to provide a barcode card or
            decal to the User who in turn may use it to obtain passage on the Hammock Dunes
            toll bridge.
        
            This agreement is entered into, by and between Dunes Community
            Development District, (Hammock Dunes Bridge), whose address is 5000 Palm Coast
            Pkwy SE, Palm Coast, FL 32137, and Express Card Users, which agree to the
            following.
        
        
            TERMS AND
            CONDITIONS
        
        GENERAL
        DCDD (Hammock Dunes Bridge):
        
            Agrees to supply an Express card pass and or window decal for the
            purpose of receiving a reduced toll rate.
         
        User agrees:
        
        PREPAID ACCOUNT
        
            User agrees to maintain a Prepaid Account with the Service
            Center to cover User's applicable tolls, charges and fees as described in this
            Agreement. Failure to maintain a positive balance shall constitute a breach of
            this Agreement and may subject the User to account closure by Hammock Dunes
            Bridge ExpressCard service center. User agrees that it is their responsibility
            to monitor their usage and account balance. Hammock Dunes Bridge ExpressCard
            provides a variety of means for checking account balances (including but not
            limited to quarterly and monthly statements, online review, and low balance
            notifications via the website) and will attempt to notify the customer of
            balance alerts as a courtesy. Hammock Dunes Bridge ExpressCard shall not be
            responsible for any consequences arising as a result of failure to maintain a
            positive Account balance.
        
        
            Prepaid Account
            balances:
        
        
            REPLENISHMENT
            THRESHOLD
        
        
            A Low Balance occurs whenever the Account balance drops to or
            below the established Account Replenishment Threshold (minimum $2.50, or
            another amount chosen by the ExpressCard Account holder per Hammock Dunes
            Bridge ExpressCard or Decal account). The initial Replenishment Threshold
            should be based on at least three days of anticipated usage. The Service Center
            reserves the right to increase the Replenishment Threshold based on User's
            usage patterns to aid in the maintenance of the Account(s).
        
        
            ACCOUNT
            REPLENISHMENT
        
        
            Whenever the Account balance drops to or below the Replenishment
            Threshold, User agrees to replenish Account by one of the following methods.
        
        
        
            LOST OR STOLEN
            HAMMOCK DUNES BRIDGE EXPRESSCARD OR DECAL
        
        
            Users must notify the Hammock Dunes Bridge ExpressCard Service
            Center immediately in writing or in person of any lost or stolen Hammock Dunes
            Bridge ExpressCard or Decal, identifying the Hammock Dunes Bridge ExpressCard
            or Decal by card number. Until the Hammock Dunes Bridge ExpressCard Service
            Center is notified, the User will continue to be responsible for charges. Once
            notified, the Service Center will invalidate the Hammock Dunes Bridge
            ExpressCard or Decal.
        
        
            DAMAGED HAMMOCK
            DUNES BRIDGE EXPRESSCARD OR DECAL
        
        
            The Hammock Dunes Bridge ExpressCard is the property of the
            Hammock Dunes Bridge ExpressCard Service Center. Any Hammock Dunes Bridge
            ExpressCard or Decal that has been altered, copied, defaced or damaged in any
            manner must be replaced as soon as possible. This will be done at the Hammock
            Dunes Bridge ExpressCard Service Center and at the User's expense. ExpressCards and decals shall not be tampered
            with, altered, copied as this is strictly prohibited. Worn ExpressCards and
            decals are to be replaced as soon as possible at the ExpressCard Service
            Center.
        
        
            ACCOUNT
            TERMINATION
        
        
            The Hammock Dunes Bridge ExpressCard Service Center or Hammock
            Dunes Bridge ExpressCard User may terminate this Agreement at any time. Upon
            termination of this Agreement, the account will be closed and user must return
            all Hammock Dunes Bridge ExpressCards and/or Decals associated with the
            Account. THERE ARE NO REFUNDS under any circumstances
            for any balance remaining in the User's Hammock Dunes Bridge ExpressCard
            Account.
        
        
            ROAD DEBRIS/PROPERTY
            DAMAGE
        
            It is the
            responsibility of every driver over the Hammock Dunes Bridge to ensure all
            material/equipment is secured on its respective vehicles. 
        
            "Responsible
            Party" is defined as any person who operates and otherwise has control over a
            motor vehicle at the time of spilling of falling road debris while driving on
            the Hammock Dunes Bridge.
        
            It is the
            responsibility of the Responsible party to insure it immediately reports any
            spilling or road debris or any other foreign materials on the toll bridge to
            the Hammock Dunes Bridge Management at the following contact: Hammock Dunes Bridge Service Center located
            at the toll plaza.
        
            In the event of
            any incident that causes damage to the Dunes Community Development District
            property, whether intentionally or negligently, the Responsible Party will be
            responsible for any and all expenses incurred for cleaning up any spills,
            debris or material left behind and shall be solely responsible for the cost of
            any and all property repairs.
        PRIVACY POLICY
        
            It shall be the policy that the Hammock Dunes Bridge ExpressCard
            Service Center shall only collect and retain Hammock Dunes Bridge ExpressCard
            User information that is necessary and essential to properly conduct and record
            financial transactions. Information collected by Hammock Dunes Bridge
            ExpressCard relative to individual Hammock Dunes Bridge ExpressCard customer
            usage shall only be released:
        
        
            Service Center may provide Hammock Dunes Bridge ExpressCard User
            usage data in summary form to assist in transportation research. However, under
            no circumstance will individual User information be sold to any nonaffiliated
            third parties for use in telemarketing, direct mail marketing, or other
            marketing through electronic mail to customers. The Service Center is subject
            to federal and state statutory requirements and may amend its Hammock Dunes
            Bridge ExpressCard privacy policy at any time without notice in accordance with
            applicable statutory requirements. For complete details of what
            information is subject to Florida's public record laws, please see Florida Statutes
            §§ 119.01 through 119.15 and the Florida Constitution, Article I, Section 24.
            If you do not want your information disclosed pursuant to the aforementioned
            authorities, please contact the Hammock Dunes Bridge ExpressCard Service Center
            via telephone at (386) 446-5593.
        
        
            OTHER TERMS AND
            CONDITIONS
        
        
            It is expressly understood and agreed that a Hammock Dunes
            Bridge ExpressCard User authorizes the Hammock Dunes Bridge ExpressCard Service
            Center to access User's credit card or debit card and make charges authorized
            under this Agreement. A Hammock Dunes Bridge ExpressCard User expressly
            understands and agrees that the Hammock Dunes Bridge ExpressCard Service Center
            shall not be liable to a Hammock Dunes Bridge ExpressCard User for any damages
            resulting from these actions. Additionally, the Hammock Dunes Bridge
            ExpressCard Service Center shall not be liable for:
        
        
            The Hammock Dunes Bridge ExpressCard Service Center may change
            the terms of this Agreement at any time by providing electronic or written
            notice to the Hammock Dunes Bridge ExpressCard User. If the Hammock Dunes
            Bridge ExpressCard is used after a Hammock Dunes Bridge ExpressCard user
            receives notice of the new terms of this Agreement, then the Hammock Dunes
            Bridge ExpressCard User shall be bound by the new Hammock Dunes Bridge
            ExpressCard terms. For purposes of this Agreement, the Hammock Dunes Bridge
            ExpressCard User shall be deemed to have received notice 10 days after the
            notification of changes is either posted on the website, emailed, or deposited
            with the United States Postal Service, postage prepaid, addressed to the
            Hammock Dunes Bridge ExpressCard User at the most recent address registered on
            the Hammock Dunes Bridge ExpressCard User's Account record at the Hammock Dunes
            Bridge ExpressCard Service Center.
        
        
            The captions used in this Agreement have been inserted for
            convenience and for reference only and shall not be deemed to limit or define
            the text of this Agreement. The provisions of this Agreement are severable, and
            if any provision or part of this Agreement or the application thereof to any
            person or circumstance shall ever be held by any court of competent
            jurisdiction to be invalid or unconstitutional for any reason, the remainder of
            this Agreement and the application of such provision or part of this Agreement
            to other persons or circumstances shall not be affected. For the purpose of
            giving any and all notice(s) to the Hammock Dunes Bridge ExpressCard Service
            Center required under the provisions of this Agreement, User shall send notice
            to Hammock Dunes Bridge, 5000 Palm Coast Pkwy SE, Palm Coast, FL 32137.
        
        
            The transactions contemplated under this Agreement, its
            validity, and effect, are exclusively governed by, and shall be exclusively
            construed an enforced in accordance with the laws of the State of Florida.
            Further, any action relating to, or arising out of, this Agreement shall be
            instituted and prosecuted in the Circuit Court of the Seventh Judicial Circuit,
            State of Florida, in and for Flagler County. Jurisdiction shall lie only in the
            state courts and not with any federal court(s) wherein any action or suit
            arising out of this Agreement may be brought.
        
            The state and its agencies and subdivisions shall be liable
            for tort claims in the same manner and to the same extent as a private
            individual under like circumstances, but liability shall not include punitive
            damages or interest for the period before judgment. Neither the state nor
            its agencies or subdivisions shall be liable to pay a claim or a judgment by
            any one person which exceeds the sum of $200,000 or any claim or judgment, or
            portions thereof, which, when totaled with all other claims or judgments paid
            by the state or its agencies or subdivisions arising out of the same incident
            or occurrence, exceeds the sum of $300,000. However, a judgment or judgments
            may be claimed and rendered more than these amounts and may be settled and paid
            pursuant to this act up to $200,000 or $300,000, as the case may be; and that
            portion of the judgment that exceeds these amounts may be reported to the Legislature
            but may be paid in part or in whole only by further act of the
            Legislature. Notwithstanding the limited waiver of sovereign immunity
            provided herein, the state or an agency or subdivision thereof may agree,
            within the limits of insurance coverage provided, to settle a claim made or a
            judgment rendered against it without further action by the Legislature, but the
            state or agency or subdivision thereof shall not be deemed to have waived any
            defense of sovereign immunity or to have increased the limits of its liability
            as a result of its obtaining insurance coverage for tortious acts in excess of
            the $200,000 or $300,000 waiver provided above. The limitations of liability
            set forth in this subsection shall apply to the state and its agencies and
            subdivisions whether the state or its agencies or subdivisions possessed
            sovereign immunity before July 1, 1974.