text: var Timer;
  var TotalSeconds;
  var callback;
  
  function CreateTimer(TimerID, Time, callbackfunction) {
      Timer = document.getElementById(TimerID);
      TotalSeconds = Time;
      callback = callbackfunction;
      
      UpdateTimer();
      window.setTimeout("Tick()", 1000);
  }
  
  function Tick() {
      TotalSeconds -= 1;
      
      if(TotalSeconds>=0)
      {
      	UpdateTimer();
  		window.setTimeout("Tick()", 1000);
      }
      else
      {
      	callback();
      }
  }
  
  function UpdateTimer() {
      var Seconds = TotalSeconds;
      
      var Days = Math.floor(Seconds / 86400);
      Seconds -= Days * 86400;
  
      var Hours = Math.floor(Seconds / 3600);
      Seconds -= Hours * (3600);
  
      var Minutes = Math.floor(Seconds / 60);
      Seconds -= Minutes * (60);
      
      //var TimeStr = "<b>Please wait while redirecting to bank page in ... " +((Days > 0) ? Days + " days " : "") + LeadingZero(Hours) + ":" + LeadingZero(Minutes) + ":" + LeadingZero(Seconds)+"<b>";
      //var TimeStr = LeadingZero(Seconds);
      var TimeStr = "<b>Please wait while redirecting to bank page in ... " + LeadingZero(Seconds)+"<b>";
      Timer.innerHTML = TimeStr;
  }
  
  function LeadingZero(Time) {
      return (Time < 10) ? "0" + Time : + Time;
  }