Mark Identification

XPRESS DIRECT FUNDS ACCESS

Serial Number

76477499

Filing Date

Dec 23, 2002

Registration Date

May 11, 2004

Trademark by

UMB FINANCIAL CORPORATION

Classification Information

BANKING SERVICES, NAMELY, A NON-CHECKING ACCOUNT SERVICE FOR EMPLOYERS TO PAY WAGES, INCENTIVES AND OTHER MONETARY PAYMENTS TO EMPLOYEES AND CUSTOMERS WITH A PERSONALLY UNIQUE, DISPOSABLE AND/OR RELOADABLE FINANCIAL CARD

Insurance and Financial