Since you are using != for ACCOUNT_NO, an index on this will not help.
Your SALE_STATUS and STATUS_ID also seems like low cardinality columns, so any b-tree index on this column also won't be of any help.
To me, it seems like FTS is inevitable here, as suggested by grjohnson try tuning the FTS by using higher value for DB_FILE_MULTIBLOCK_READ_COUNT. Would like to see more clues from others.

Sanjay

PS: grjohnson, your typing speed seems to be improved Cheers..