When David K. Hunt left Signet Banking Corp. to take charge of AT&T Corp.'s heralded credit card program in May 1993, he couldn't have entered an environment more different from what he had known during a 24-year career in banking.

For beginners, there was the campus lifestyle at AT&T Universal Card Services' headquarters, which occupies four buildings in a Jacksonville, Fla., corporate park. Employees or associates, as they are called can be seen taking breaks beside the nearby lake, feeding swans and ducks, or strolling across the ample grounds.

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