THE CLEARING HOUSE AT THE CENTER OF BANKING SINCE 1853

Association services, namely, promoting the interests of depository institutions by the development and annunciation of positions, and the taking of action related thereto in the field of regulatory, legislative, legal, tax, accounting, best practice, industry standard, and other issues affecting its member depository institutions and the financial industry generally

[Financial clearing houses, namely, arranging the collection and return of checks between financial institutions on a peer-to-peer basis using electronic information and digitized check images; online banking services, namely, check authorization services linked to financial institutions across the country with deposit account access for account and balance verification and/or memo posting; providing settlement and adjustments to settlement for financial institutions exchanging checks, either electronically, by image, or in paper form, namely, check processing; payment transaction risk management services for financial institutions; administering a system for wire payments and the clearing and settling of wire payment transactions between financial and other institutions, providing electronic processing of electronic funds transfers among financial institutions; and automated financial clearing house services]

[Providing fraud prevention and detection services to financial institutions in the field of electronic funds transfers among financial institutions]