----

----

| x | QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|-----------------------------------------------------------------------------------|

|  ̈ | TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|--------|------------------------------------------------------------------------------------|

----

----

| Nevada                            |   | 91-2150635                        |
|-----------------------------------|--------|-----------------------------------|
| (State or other jurisdiction      |   | (IRS Employer Identification No.) |
| of incorporation or organization) |   |                              |

| Large accelerated filer |  ̈ |     | Accelerated filer         |  ̈ |
|-------------------------|--------|--------------------|---------------------------|--------|
| Non-accelerated filer   |  ̈ |               | Smaller reporting company | x      |

----

----

----

| Part I – Financial Information | Page                                                                                        |
|--------------------------------------|---------------------------------------------------------------------------------------------|
|             |                                                                                        |   |
| Item 1.                              | Financial Statements                                                                        | 4 |
|             |                                                                                        |   |
|                                 | Consolidated Balance Sheets                                                                 | 4 |
|             |                                                                                        |   |
|                                 | Consolidated Statements of Operations                                                       | 5 |
|                                 |                                                                                        |   |
|                                 | Consolidated Statements of Changes in Stockholders’ Equity                            | 6 |
|             |                                                                                        |   |
|                                 | Consolidated Statements of Cash Flows                                                       | 7 |
|             |                                                                                        |   |
|                                 | Notes to Consolidated Financial Statements                                                  | 8 – 14 |
|             |                                                                                        |   |
| Item 2.                              | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 15 |
|             |                                                                                        |   |
| Item 3.                              | Quantitative And Qualitative Disclosures About Market Risk                                  | 21 |
|                                 |                                                                                        |   |
| Item 4(T).                           | Controls And Procedures                                                                     | 22 |
|             |                                                                                        |   |
| Part II – Other Information    |                                                                                        |
|             |                                                                                        |   |
| Item 1.                              | Legal Proceedings                                                                           | 23 |
|                                 |                                                                                        |   |
| Item 1A.                             | Risk Factors                                                                                | 23 |
|             |                                                                                        |   |
| Item 2.                              | Unregistered Sales of Equity Securities and Use of Proceeds                                 | 23 |
|             |                                                                                        |   |
| Item 3.                              | Defaults Upon Senior Securities                                                             | 23 |
|             |                                                                                        |   |
| Item 4.                              | [Removed and Reserved]                                                                      | 23 |
|             |                                                                                        |   |
| Item 5.                              | Other Information                                                                           | 23 |
|             |                                                                                        |   |
| Item 6.                              | Exhibits                                                                                    | 23 |
|             |                                                                                        |   |
|                                 | Signatures                                                                                  | 24 |

----

|   | · | general economic and industry conditions; |
|--------|--------|-------------------------------------------|

|   | · | our capital requirements and dependence on the sale of our equity securities; |
|--------|--------|-------------------------------------------------------------------------------|

|   | · | the liquidity of the Company’s common stock will be affected by the lack of a trading market; |
|--------|--------|-----------------------------------------------------------------------------------------------------|

|   | · | intense industry competition; |
|--------|--------|-------------------------------|

|   | · | fluctuations in the prevailing industry prices of check processing services; |
|--------|--------|------------------------------------------------------------------------------|

|   | · | shortages in availability of qualified personnel; |
|--------|--------|---------------------------------------------------|

|   | · | legal and financial implications of unexpected catastrophic events; |
|--------|--------|---------------------------------------------------------------------|

|   | · | regulatory or legislative changes effecting check processing operations; and |
|--------|--------|------------------------------------------------------------------------------|

|   | · | reliance on, and the ability to attract, key personnel. |
|--------|--------|---------------------------------------------------------|

----

ITEM

UNITED

| ASSETS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | September 30,2010(Unaudited) |      |   | December 31,2009(Audited) |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|------------------------------|-----------|--------|---------------------------|--------|
|                                                                                                                                                                                            |   |                         |      |   |                      |   |
| CURRENT ASSETS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |                         |      |   |                      |   |
| Cash and Cash Equivalents                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   | $                            | 263,998   |   |                      | $      | 228,213 |   |
| Restricted Cash                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |                         | 306,843   |   |                      |   | 271,624 |   |
| Trade Receivables, net                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                         | 54,224    |   |                      |   | 93,021 |   |
| Deferred Tax Asset, current                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |                         | --        |   |                      |   | 206,338 |   |
| Prepaid Interest                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   |                         | 26,000    |   |                      |   | 104,000 |   |
| Prepaid Expenses                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   |                         | 32,884    |   |                      |   | 30,584 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| Total Current Assets                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         | 683,949   |   |                      |   | 933,780 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| PROPERTY AND EQUIPMENT, NET                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |                         | 28,518    |   |                      |   | 52,400 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| OTHER ASSETS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |                         |      |   |                      |   |   |   |
| Intangible Assets, net                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                         | 4,575,835 |   |                      |   | 4,932,499 |   |
| Deferred Tax Asset, Non-current                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |                         | 31,231    |   |                      |   | 65,678 |   |
| Other                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   |                         | 63,315    |   |                      |   | 85,250 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| Total Assets                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   | $                            | 5,382,848 |   |                      | $      | 6,069,607 |   |
|                                                                                                                      |   |                         |      |   |                      |   |   |   |
| LIABILITIES AND STOCKHOLDERS' EQUITY                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| CURRENT LIABILITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   |                         |      |   |                      |   |   |   |
| ACH Settlements Payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | $                            | 277,238   |   |                      | $      | 258,019 |   |
| Current Portion Long-Term Debt                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   |                         | 1,614,600 |   |                      |   | 2,422,100 |   |
| Accounts Payable and Accrued Liabilities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |                         | 2,725     |   |                      |   | 63,022 |   |
| Customers’ Deposits                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |                         | 29,605    |   |                      |   | 13,605 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| Total Current Liabilities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |                         | 1,924,168 |   |                      |   | 2,756,746 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| LONG TERM LIABILITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   |                         |      |   |                      |   |   |   |
| Notes Payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   |                         | 2,470,750 |   |                      |   | 2,610,325 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| Total Liabilities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |                         | 4,394,918 |   |                      |   | 5,367,071 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| STOCKHOLDERS' EQUITY                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| Common Stock - $.001 Par Value; 75,000,000 Shares Authorized, 39,445,129 and 34,272,629  shares Issued and Outstanding at September 30, 2010 and December 31, 2009                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |                         | 39,445    |   |                      |   | 34,272 |   |
| Additional Paid-In Capital                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                         | 1,743,761 |   |                      |   | 847,339 |   |
| Retained Earnings                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |                         | (795,276  | )      |                      |   | (179,075 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| Total Stockholders' Equity                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                         | 987,930   |   |                      |   | 702,536 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |                         |      |   |                      |   |   |   |
| Total Liabilities and Stockholders' Equity                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | $                            | 5,382,848 |   |                      | $      | 6,069,607 |   |

----

UNITED

|                                                                                                                                                                                                                                                                                                                                                                                                                             |     | Three Months EndedSeptember, 30 |    |   |   | Nine Months EndedSeptember 30, |   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------|---------------------------------|---------|--------|--------|-------------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     | 2010                            |    |   |   | 2009                                |   |   |   | 2010 |   |   |   | 2009 |   |
| Revenues                                                                     |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| ACH Services                                                                                                                                                                                                                                                                                                                                                                                                                     | $        | 355,259                         |    |   | $      | 212,234                             |   |   | $ | 969,485 |   |   | $ | 640,538 |   |
| Verification Services                                                                                                                                                                                                                                                                                                                                                                                                            |     | 50                              |    |   |   | 29,839                              |   |   |   | 29,717 |   |   |   | 157,212 |   |
| Credit Card Services                                                                                                                                                                                                                                                                                                                                                                                                             |     | 402,915                         |    |   |   | 410,046                             |   |   |   | 1,170,079 |   |   |   | 1,366,789 |   |
| Total Revenues                                                                                                                                                                                                                                                                                                                                                                                                                   |     | 758,224                         |    |   |   | 652,118                             |   |   |   | 2,169,281 |   |   |   | 2,164,539 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Cost of Revenues                                                                                                                                                                                                                                                                                                                                                                                                                 |     | 268,549                         |    |   |   | 207,310                             |   |   |   | 729,562 |   |   |   | 627,328 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Gross Profit                                                                                                                                                                                                                                                                                                                                                                                                                     |     | 489,675                         |    |   |   | 444,808                             |   |   |   | 1,439,719 |   |   |   | 1,537,211 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Expenses:                                                                                                                                                                                                                                                                                                                                                                                                                        |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Operating                                                                                                                                                                                                                                                                                                                                                                                                                        |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Personnel costs                                                                                                                                                                                                                                                                                                                                                                                                                  |     | 37,375                          |    |   |   | 34,296                              |   |   |   | 107,675 |   |   |   | 99,858 |   |
| Travel                                                                                                                                                                                                                                                                                                                                                                                                                           |     | 10,392                          |    |   |   | 15,959                              |   |   |   | 36,187 |   |   |   | 56,919 |   |
| Amortization expense                                                                                                                                                                                                                                                                                                                                                                                                             |     | 152,208                         |    |   |   | 134,568                             |   |   |   | 450,744 |   |   |   | 403,704 |   |
| Commissions and fees expense                                                                                                                                                                                                                                                                                                                                                                                                     |     | 27,219                          |    |   |   | 38,863                              |   |   |   | 110,650 |   |   |   | 123,105 |   |
| Other                                                                                                                                                                                                                                                                                                                                                                                                                            |     | 63,610                          |    |   |   | 54,219                              |   |   |   | 183,181 |   |   |   | 171,562 |   |
| Total Operating Expenses                                                                                                                                                                                                                                                                                                                                                                                                         |     | 290,804                         |    |   |   | 277,905                             |   |   |   | 888,437 |   |   |   | 855,148 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Selling, General & Administrative                                                                                                                                                                                                                                                                                                                                                                                            |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Personnel costs                                                                                                                                                                                                                                                                                                                                                                                                                  |     | 123,070                         |    |   |   | 127,010                             |   |   |   | 382,456 |   |   |   | 377,078 |   |
| Legal and accounting                                                                                                                                                                                                                                                                                                                                                                                                             |     | 14,984                          |    |   |   | 32,297                              |   |   |   | 70,925 |   |   |   | 109,745 |   |
| Marketing                                                                                                                                                                                                                                                                                                                                                                                                                        |     | 6,729                           |    |   |   | 9,684                               |   |   |   | 19,058 |   |   |   | 26,933 |   |
| Consulting                                                                                                                                                                                                                                                                                                                                                                                                                       |     | --                              |    |   |   | --                                  |   |   |   | -- |   |   |   | -- |   |
| Other                                                                                                                                                                                                                                                                                                                                                                                                                            |     | 950                             |    |   |   | 3,946                               |   |   |   |  4,625 |   |   |   |  4,841 |   |
| Total Selling, General & Administrative                                                                                                                                                                                                                                                                                                                                                                                      |     | 145,733                         |    |   |   | 172,937                             |   |   |   |  477,064 |   |   |   |  518,597 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Total Expenses                                                                                                                                                                                                                                                                                                                                                                                                                   |     | 436,537                         |    |   |   | 450,842                             |   |   |   | 1,365,501 |   |   |   | 1,373,745 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Income (Loss) from operations                                                                                                                                                                                                                                                                                                                                                                                                    |     |   53,138              |    |   |   |   (6,034                  | )      |   |   |  74,218 |   |   |   |  163,466 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Other Income (expense):                                                                                                                                                                                                                                                                                                                                                                                                          |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Interest Income                                                                                                                                                                                                                                                                                                                                                                                                                  |     | 3                               |    |   |   | 517                                 |   |   |   | 468 |   |   |   | 1,577 |   |
| Interest Expense                                                                                                                                                                                                                                                                                                                                                                                                                 |     | (140,692                        | )       |   |   | (164,609                            | )      |   |   | (450,103 | ) |   |   | (466,914 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Net Loss before income taxes                                                                                                                                                                                                                                                                                                                                                                                                     |     | (87,551                         | )       |   |   | (170,126                            | )      |   |   | (375,417 | ) |   |   | (301,871 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Income tax benefit (expense)                                                                                                                                                                                                                                                                                                                                                                                                     |     | (284,262                        | )       |   |   | 73,018                              |   |   |   | (240,784 | ) |   |   |  112,719 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Net Loss                                                                                                                                                                                                                                                                                                                                                                                                                         | $        |   (371,813            | )       |   | $      |   (97,108                 | )      |   | $ |  (616,201 | ) |   | $ |  (189,152 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                             |     |                            |    |   |   |                                |   |   |   |   |   |   |   |   |   |
| Net Loss per Share                                                                                                                                                                                                                                                                                                                                                                                                          |   $ | (.01                            | )  |   |   | NM                                  |   |   |   $ | (.02 | )  |   |   | NM |   |

----

UNITED

|                                       |   | Common Stock |       |   | AdditionalPaid-In |   |   | Retained |   |   | TotalStockholders' |   |
|--------------------------------------------|--------|--------------|------------|--------|-------------------|--------|--------|----------|--------|--------|--------------------|--------|
|                                       |   | Shares       |       |   | Amount            |   |   | Capital  |   |   | Earnings           |   |   | Equity |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |
| Balance at January 1, 2009                 |   |         | 34,316,667 |   |              | $      | 34,317 |     |   | $      | 850,346            |   |   | $ | 221,912 |   |   | $ | 1,106,575 |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
| Employees’ exercise of stock options |   |         | 42,500     |   |              |   | 42     |     |   |   | 1,233              |   |   |   | -- |   |   |   | 1,275 |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
| Net Loss                                   |   |         | -          |   |              |   | -      |     |   |   | -                  |   |   |   | (189,152 | ) |   |   | (189,152 | ) |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
| Balance at September 30, 2009              |   |         | 34,359,167 |   |              | $      | 34,359 |     |   | $      | 851,579            |   |   | $ | 32,760 |   |   | $ | 918,698 |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
| Balance at January 1, 2010                 |   |         | 34,272,629 |   |              | $      | 34,272 |     |   | $      | 847,339            |   |   | $ | (179,075 | ) |   | $ | 702,536 |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
| Private Placement Equity Offering          |   |         | 5,072,500  |   |              |   | 5,073  |     |   |   | 893,522            |   |   |   | - |   |   |   | 898,595 |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
| Employees’ exercise of stock options |   |         | 100,000    |   |              |   | 100    |     |   |   | 2,900              |   |   |   | - |   |   |   | 3,000 |   |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
| Net Loss                                   |   |         | -          |   |              |   | -      |     |   |   | -                  |   |   |   | (616,201 | ) |   |   | (616,201 | ) |
|                                       |   |         |       |   |              |   |   |     |   |   |               |   |   |   |   |   |   |   |   |   |
| Balance at September 30, 2010              |   |         | 39,445,129 |   |              | $      | 39,445 |     |   | $      | 1,743,761          |   |   | $ | (795,276 | ) |   | $ | 987,930 |   |

----

UNITED

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | Nine Months EndedSeptember 30,                                                                                |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   | 2010                                                                                                               |   |   |   | 2009 |   |
|                                                                                                           |   |                     |   |       |   |                     |   |
| CASH FLOWS FROM OPERATING ACTIVITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| Net (Loss)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             | $      | (616,201                                                                                                           | )      |   | $ | (189,152 | ) |
| Adjustments to Reconcile Net (Loss) to Net                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |                                                                                                               |   |   |   |   |   |
| Cash Provided by Operating Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   |                                                                                                               |   |   |   |   |   |
| Depreciation and Amortization                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | 477,720                                                                                                            |   |   |   | 428,269 |   |
| Decrease (Increase) in Trade Receivables                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | 38,797                                                                                                             |   |   |   | (4,161 | ) |
| (Increase) in Prepaid Expenses                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   | (2,300                                                                                                             | )      |   |   | (7,460 | ) |
| Decrease in Prepaid Interest                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   | 78,000                                                                                                             |   |   |   | 76,000 |   |
| (Increase) Decrease in Restricted Cash                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   | (35,219                                                                                                            | )      |   |   | 257,393 |   |
| Decrease (Increase) in Deferred Tax Asset                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   | 240,785                                                                                                            |   |   |   | (112,719 | ) |
| Increase (Decrease) in ACH Settlements Payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   | 19,219                                                                                                             |   |   |   | (254,593 | ) |
| Decrease in Accounts Payable and Accrued Liabilities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   | (60,297                                                                                                            | )      |   |   | (49,555 | ) |
| Increase (Decrease) in Customer Deposits                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | 16,000                                                                                                             |   |   |   | (2,800 | ) |
| Net Cash Provided by Operating Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   | 156,504                                                                                                            |   |   |   | 141,222 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| CASH FLOWS FROM INVESTING ACTIVITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| Acquisition of Property and Equipment                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | (5,005                                                                                                             | )      |   |   | (19,646 | ) |
| Proceeds from Asset Purchase Escrow                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   | --                                                                                                                 |   |   |   | 61,818 |   |
| Increase in Other Assets                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | --                                                                                                                 |   |   |   | (21,935 | ) |
| Cash paid in Conjunction with acquisition of Portfolio Asset                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |   | (94,080                                                                                                            | )      |   |   | -- |   |
| Net Cash Used in Investing Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | (99,085                                                                                                            | )      |   |   | (20,237 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| CASH FLOWS FROM FINANCING ACTIVITIES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| Net Proceeds from Private Placement Stock Offering                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   | 898,595                                                                                                            |   |   |   | -- |   |
| Proceeds from notes payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |   | 94,000                                                                                                             |   |   |   | -- |   |
| Proceeds from Employee Exercise of Stock Options                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   | 3,000                                                                                                              |   |   |   | 1,275 |   |
| Principal paid on notes payable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   | (1,017,229                                                                                                         | )      |   |   | (272,883 | ) |
| Net Cash Provided by (Used in) Financing Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   | (21,634                                                                                                            | )      |   |   | (271,608 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| NET INCREASE (DECREASE) IN CASH ANDCASH EQUIVALENTS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   | 35,785                                                                                                             |   |   |   | (110,149 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| CASH AND CASH EQUIVALENTS – BEGINNING OF PERIOD                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |   | 228,213                                                                                                            |   |   |   | 366,844 |   |
| CASH AND CASH EQUIVALENTS – END OF PERIOD                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | $      | 263,998                                                                                                            |   |   | $ | 256,695 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   |   |                                                                                                               |   |   |   |   |   |
| SUPPLEMENTAL DISCLOSURES                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |                                                                                                               |   |   |   |   |   |
| Cash Paid During the Period for Interest                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               | $      | 372,103                                                                                                            |   |   | $ | 396,633 |   |
| Cash Paid During the Period for Taxes                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | $      | 15,000                                                                                                             |   |   | $ | 5,000 |   |

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| A summary of the purchase price of NDS is as follows:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |   |   |      |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|-----------|
| Cash paid to stockholders of NDS, net of cash acquired from NDS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |   | $      | 272,099   |   |
| Direct acquisition costs paid by the Company                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   |   | 35,329    |   |
| Promissory note issued to stockholders of NDS                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |   | 2,720,000 |   |
| Fair value of 7,800,000 shares of stock issued                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |   |   | 390,000   |   |
|                                                                                                        |   |   |      |   |
| Total purchase price                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   | $      | 3,417,428 |   |

| Tangible assets acquired and liabilities assumed                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |   |   |      |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|-----------|
| Property and Equipment                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   | $      | 14,503    |   |
|                                                                                                        |   |   |      |   |
|   Net tangible assets acquired                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |   | 14,503    |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |      |   |
| Identifiable intangibles                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |   |      |   |
| Customer relationships and contracts                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   | 3,402,925 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   |   |      |   |
| Total purchase price                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |   | $      | 3,417,428 |   |

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| Cost of Revenue:                                                                                                                                                                                                         |               | Three MonthsEndedSeptember 30,2010 |                                                                                             | Percentage         |                                                                                             |   |         | Three MonthsEndedSeptember 30,2009 | Percentage                                                                                       |               |                                                                                             | VarianceDollars |               |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------|------------------------------------|--------------------------------------------------------------------------------------------------|--------------------|--------------------------------------------------------------------------------------------------|--------|--------------|------------------------------------|--------------------------------------------------------------------------------------------------|--------------------|--------------------------------------------------------------------------------------------------|-----------------|--------------------|
|                                      |     |                               |                  |     |                  |   |    |                               |                  |     |                  |            |     |   |                  |   |
|   ACH Services                                                                                                                                                                                            |               | $                                  | 145,541                                                                                          |               | 54.2                                                                                             | %      |         | $                                  | 51,672                                                                                           |               | 24.7                                                                                             | %               |               | $ | 93,869 |   |
|                                                                                                                                                                                                                |               |                               |                                                                                             |               |                                                                                             |   |         |                               |                                                                                             |               |                                                                                             |            |               |   |   |   |
|   Verification Services                                                                                                                                                                                        |               |                               | 52                                                                                               |               | --                                                                                               | %      |         |                               | 8,141                                                                                            |               | 3.9                                                                                              | %               |               |   |  (8,089 | ) |
|                                                                                                                                                                                                                |               |                               |                                                                                             |               |                                                                                             |   |         |                               |                                                                                             |               |                                                                                             |            |               |   |   |   |
|   Credit Card Services                                                                                                                                                                                         |               |                               | 122,956                                                                                          |               | 45.8                                                                                             | %      |         |                               | 147,497                                                                                          |               | 71.4                                                                                             | %               |               |   | (24,541 | ) |
|                                                                                                                                                                                                                     |               |                               |                                                                                             |               |                                                                                             |   |         |                               |                                                                                             |               |                                                                                             |            |               |   |   |   |
| Total Cost of Revenue                                                                                                                                                                                     |               | $                                  | 268,549                                                                                          |               | 100.0                                                                                            | %      |         | $                                  | 207,310                                                                                          |               | 100.0                                                                                            | %               |               | $ | 61,239 |   |

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| Cost of Revenue:                                                                                                                                                                                                         |               | Nine MonthsEndedSeptember 30,2010 |                                                                                             | Percentage         |                                                                                             |   |         | Nine MonthsEndedSeptember 30,2009 | Percentage                                                                                       |               |                                                                                             | VarianceDollars |               |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------|-----------------------------------|--------------------------------------------------------------------------------------------------|--------------------|--------------------------------------------------------------------------------------------------|--------|--------------|-----------------------------------|--------------------------------------------------------------------------------------------------|--------------------|--------------------------------------------------------------------------------------------------|-----------------|--------------------|
|                                      |     |                              |                  |     |                  |   |    |                              |                  |     |                  |            |     |   |                  |   |
|   ACH Services                                                                                                                                                                                            |               | $                                 | 322,519                                                                                          |               | 44.2                                                                                             | %      |         | $                                 | 151,349                                                                                          |               | 24.1                                                                                             | %               |               | $ | 171,170 |   |
|                                                                                                                                                                                                                |               |                              |                                                                                             |               |                                                                                             |   |         |                              |                                                                                             |               |                                                                                             |            |               |   |   |   |
|   Verification Services                                                                                                                                                                                        |               |                              | 10,957                                                                                           |               |  1.5                                                                                        | %      |         |                              | 76,184                                                                                           |               | 12.1                                                                                             | %               |               |   |  (65,227 | ) |
|                                                                                                                                                                                                                |               |                              |                                                                                             |               |                                                                                             |   |         |                              |                                                                                             |               |                                                                                             |            |               |   |   |   |
|   Credit Card Services                                                                                                                                                                                         |               |                              | 396,086                                                                                          |               | 54.3                                                                                             | %      |         |                              | 399,795                                                                                          |               | 63.8                                                                                             | %               |               |   | (3,709 | ) |
|                                                                                                                                                                                                                     |               |                              |                                                                                             |               |                                                                                             |   |         |                              |                                                                                             |               |                                                                                             |            |               |   |   |   |
| Total Cost of Revenue                                                                                                                                                                                     |               | $                                 | 729,562                                                                                          |               | 100.0                                                                                            | %      |         | $                                 | 627,328                                                                                          |               | 100.0                                                                                            | %               |               | $ | 102,234 |   |

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|   | · | We may experience reductions in the amount of payments we process for merchants as a result of a downturn in consumer activity and consumer confidence. |
|--------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We may be negatively impacted in our credit card processing business if consumers are unable to maintain existing credit card limits or have credit card services terminated. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | We may experience difficulties in maintaining or re-financing our existing credit facilities at either equivalent or more favorable rates. |
|--------|--------|--------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | New sources of borrowed capital may become more expensive or unavailable which may inhibit our ability to grow. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------|

|   | · | Competition may become more intense and we may be required to reduce pricing to maintain the business we have and/or to obtain new business through our existing sales force. |
|--------|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|                 |   |                                                                                                                                                                                                                              |
|--------------------------------------------------------------------------------------------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 10.1                                                                                       |   | Fourth Amendment to Agreements, dated June 30, 2010, to the Thermo Credit, LLC Loan, Pledge and Security Agreement and related Promissory Note (incorporated by reference to Exhibit 10.1 to our Form 8-K filed on July 2, 2010). |
| 31.1                                                                                       |   | Certification of Principal Executive Officer under Section 302 of the Sarbanes-Oxley Act of 2002.*                                                                                                                                |
| 31.2                                                                                       |   | Certification of Principal Financial Officer under Section 302 of the Sarbanes-Oxley Act of 2002.*                                                                                                                                |
| 32.1                                                                                       |   | Certification of Principal Executive Officer under Section 906 of the Sarbanes-Oxley Act of 2002.*                                                                                                                                |
| 32.2                                                                                       |   | Certification of Principal Financial Officer under Section 906 of the Sarbanes-Oxley Act of 2002.*                                                                                                                                |

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SIGNATURES

|                                                                                                                                                                                                                                                                                                                                                                                                         | UNITED ESYSTEMS, INC.                                                                                                                 |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------|
|                                                                    |                                                                                                         |
| Date:   November 22, 2010                                                                                                                                                                                                                                                                                                                                       | By:/s/ Walter Reid Green, Jr.                                                                                                         |
|                                                                                                                                                                                                                                                                                                                                                                                                         |       Walter Reid Green, Jr.                                                                            |
|                                                                                                                                                                                                                                                                                                                                                                                                         |       Chief Executive Officer, President and      Chief Financial Officer |
|                                                                                                                                                                                                                                                                                                                                                                                                         |       (Principal Executive Officer and Principal Financial Officer)                                     |