ECHEXPRESS

FINANCIAL SERVICES, NAMELY, TRANSACTION PAYMENT PROCESSING SERVICES INCLUDING CHECK REPRESENTMENT, NAMELY, RESUBMISSION TO FINANCIAL INSTITUTION ON WHICH CHECK WAS DRAWN FOR PAYMENT OF A CHECK WHICH PREVIOUSLY HAS BEEN DISHONORED DUE TO INSUFFICIENT FUNDS IN PAYOR'S ACCOUNT, CHECK COLLECTION, PRE-AUTHORIZED CHECKING IN THE NATURE OF CHECK DRAFTING, NAMELY, THIRD PARTY PREPARATION OF A DATED CHECK FOR CERTAIN AMOUNT OF FUNDS PAYABLE TO A NAMED PAYEE DRAWN ON THE ACCOUNT OF A NAMED PAYOR AND MAGNETICALLY ENCODED WITH MACHINE READABLE PAYOR ACCOUNT AND FINANCIAL INSTITUTION IDENTIFICATION, TELEPHONE ORDERS AND ELECTRONIC DRAFTING, NAMELY, INTERNET ORDERS, CHECK TRUNCATION (ELECTRONIC CHECK CONVERSION) AND CREDIT CARD PROCESSING