INTERNATIONAL CHECK SERVICES

CHECK VERIFICATION, AUTHORIZATION AND GUARANTEE SERVICES; PROCESSING OF IN-STORE CREDIT DOCUMENTS, NAMELY, ELECTRONIC GIFT CERTIFICATES, CREDIT VOUCHERS AND PROMOTIONAL COUPONS; HOLD CHECK SERVICES, NAMELY REPEATED ELECTRONIC DEBITS OF A DEMAND DEPOSIT ACCOUNT ACCORDING TO A PREDETERMINED SCHEDULE; CHECK PRE-APPROVAL SERVICES; DEBT COLLECTION SERVICES; RETURN ITEM PROCESSING; ELECTRONIC DEPOSIT SERVICES; AND RETURNED CHECK CONSOLIDATION AND PROCESSING SERVICES