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<br />Table of Contents <br /> <br />I <br /> <br />I <br /> <br />Section <br /> <br />Page <br /> <br />Recitals <br /> <br />1. Definitions........................... _ . . . . . . . . . . . . . . _ . . . .. 2 <br /> <br />2. Your Application and Information. . . . . . . . . . _ . . . . _ . . . . . . . . . _ . . .. 5 <br />3. Transaction Processing for All Electronic Check Services . . . . . . . . . .. 7 <br /> <br />4. Other Electronic Check Services Requirements ................... 8 <br /> <br />5. Conversion Only Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 9 <br /> <br />6. Verification with Conversion. . . . . . . . . . . . . . . . _ . . . . . . . . . . _ . _ . . _ _ 10 <br /> <br />7. Guarantee with Conversion .. . . . . . . . . . . . _ . . . . . _ . . . . . . . . . . . _ . . . 10 <br /> <br />8. Declined Transactions ...... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 <br /> <br />9. POS Transactions for Return of Goods or Services. . . . . . . . . . . . . . . . . 11 <br /> <br />10. Disputed Transactions and Reversed POS Transactions. . . _ . . . . . . . . . 11 <br /> <br />I <br /> <br />I 1. Retrieval Requests _ . . . . . . . . . . _ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 <br /> <br />12. Your Security Procedures .................................... 12 <br /> <br />13. POS Terminal and Communication Services ..... _ . . . . . . . _ . . . . . . . 13 <br /> <br />14. Fees, Charges, Payments to Us ................................13 <br /> <br />15. Use of Service Marks and Advertising ..........................13 <br /> <br />16. Confidential Information . . . . . . . . . . . . . . _ . _ . . . . _ . . . _ _ _ _ . _ _ , . . . . 14 <br /> <br />17. Deposit Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15 <br /> <br />18. Reserve Account and Delayed Payment _... _ . . . _ . . . . . . . , _ . . . _ _ . .15 <br /> <br />19. Security Interest . . . . _ . . . _ _ . . . _ . . . - . . - . - - - . . . . . . . . . - . . . . . . . . . 17 <br /> <br />20. Termination of Agreement. . . . . . . . . . . , . . . . . . . . . . . . . . . - . . . . . . . . 17 <br /> <br />21. Compliance................................................ 19 <br /> <br /> <br />22. Disclaimer ofWarranties/Limitation of Liability ......... - . . . . . . . . 19 <br /> <br />I <br />