Exhibit 10.7

CONFIDENTIAL TREATMENT HAS BEEN REQUESTED FOR CERTAIN REDACTED PROVISIONS OFTHIS AGREEMENT. THE REDACTED PROVISIONS ARE INDICATED BY THREE ASTERISKSENCLOSED BY BRACKETS AND UNDERLINED. THE CONFIDENTIAL PORTIONS HAVE BEEN FILEDSEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION.

CARD SPONSORSHIP AGREEMENT

The Card Sponsorship Agreement (the "Agreement") dated as ofApril 9, 2003, and is between NBO Systems, Inc whose address is 3676 W.California Ave. Bldg. D, Salt Lake City, Utah 84104 ("Client") and BANKFIRST,whose address is 2600 W. 49th Street, Sioux Falls, South Dakota 57105("Bank").

RECITALS

(a) Bank is a member of Visa / MasterCard and is in the business of issuingCards and establishing Settlement Accounts for the settlement of Cardtransactions.

(b) Client intends to offer stored value cards, issued by Bank, to consumersas an alternative to credit cards, cash or checks.

NOW, THEREFORE, in consideration of the mutual covenants and conditionshereinafter set forth, the parties hereto, intending to be legally bound, agreeas follows:

ARTICLE I - DEFINITIONS

SECTION 1.1 Definitions

Except as otherwise specifically indicated, the followingterms shall have the following meanings in this Agreement (such meanings to beequally applicable to both the singular and plural forms of the terms defined):

(a) "Card" means a pre-paid magnetic stripe-based storedvalue card issued by Bank to a Cardholder pursuant to this Agreement, used forthe purchase of goods and services by accessing the available balance in aCardholder Account through a System.

(b) "Cardholder" means (i) a person who is issued a Card, and (ii) uses theCard to originate a transaction.

(c) "Cardholder Account" means the stored value account whichis associated with a Card, and includes the record of debits and credits withrespect to transactions originated by a Cardholder.

(d) "Card Account Income" means all revenue received from aCardholder including but not limited to interest income, transaction fees,balance inquiry fees, and other fees as specified in the Cardholder Agreementfrom time to time.

(e) "Cardholder Agreement" means the agreement between Bank and a Cardholdergoverning the terms and use of a Card.

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(f) "Governmental Requirements" means collectively allstatutes, codes, ordinances, laws, regulations, rules, orders and decrees of allgovernmental authorities (including without limitation federal, state and localgovernments, governmental agencies and quasi-governmental agencies).

(g) "Graphic Standards" means all standards, policies, and other requirementsadopted by a System from time to time with respect to use of its Marks.

(h) "Interchange or Interchange Fee" means the fee paid to the issuer of aCard by an acquiring financial institution for a transaction, as established bya System.

(i) "Mark" means the service marks and trademarks of a Systemand Bank, including but not limited to, the names and other distinctive marks orlogos, which identify a System and Bank.

(j) "Membership" means the membership in a System and licensing rightsthereto obtained by Bank.

(k) "Processing Services" means those services, which arenecessary to issue a Card and process a transaction in accordance with the Rulesof any System and Regulatory Authority. Such services shall include but not belimited to: set-up and maintenance of the Cardholder Account, transactionauthorization, processing, clearing and Settlement, System access, Cardholderdispute resolution, System compliance, regulatory compliance, security and fraudcontrol, and activity reporting.

(1) "Program" means any Card based system designed to providean electronic means of providing access for stored value financial transactionsutilizing a Settlement Account and when available, a specific list ofCardholders pursuant to this agreement.

(m) "Program Revenues" means all Card Account Income and Interchange Feerevenues generated by or accruing under a Program.

(n) "Regulation E means (i) the regulations, all amendmentsthereto and official interpretations thereof (12 C.F.R. Part 205) issued by theBoard of Governors of the Federal Reserve System implementing Title IX(Electronic Funds Transfer Act) of the Consumer Credit Protection Act as amended(15 U.S.C. 1693 et. seq.), and (ii) the Electronic Funds Transfer Act and anyamendments thereto.

(o) "Regulation Z" means the regulations, all amendmentsthereto and official interpretations thereof (12 C.F.R., Part 226) issued by theBoard of Governors of the Federal Reserve System.

(p) "Regulatory Authority" means, as the context requires,any System; the State of South Dakota; the Federal Deposit InsuranceCorporation; the Federal Reserve Board; and any Federal or state agency havingjurisdiction over Bank or Client.

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(q) "Rules" means the by-laws and operating rules of anySystem, the published regulations of any Regulatory Authority, any Federal orState statutes, and the published policies and procedures of Bank, aspromulgated by Bank's Board of Directors in good faith to ensure the continuedsafety and soundness of Bank.

(r) "Settlement" means the movement of funds between Bank and System membersin accordance with the Rules.

(s) "Settlement Account" means the account maintained by Bank used forSettlement of all transactions initiated by use of a Card by or on behalf of aCardholder.

(t) "System" means MasterCard, VISA, Cirrus, Plus, and/or any other cardnetwork system of transmitting Items and Settlement thereof.
**ARTICLE II - GENERAL DESCRIPTION OF PROGRAMS 

SECTION 2.1 Purpose**
The purpose of this Program is to offer stored value VISA and/or MasterCardor Maestro cards, issued by Bank, as an alternative to traditional credit cards,cash and checks. It is designed to offer consumers a convenient and securepayment mechanism. The Cards may be used to pay for purchases, and otherexpenses that are allowed by law.
**SECTION 2.2 Card Activation**
Cards will be distributed in custom packing with severalinserts including a Cardholder Agreement describing the program and card use.Cards will be activated at the point of distribution through a secure connectionto the processor, using Client provided equipment.
**ARTICLE III - DUTIES OF CLIENT 

SECTION 3.1 Marketing**
Client shall, from time to time, promote and market Cards toprospective customers. Except as may be agreed by the parties from time to timeduring the term of this Agreement, each party shall be responsible for its owncosts and expenses associated with marketing of any Card under this Agreement.Client has no authority to use any Marks unless Bank is appropriatelyidentified. Bank shall have the right to approve or disapprove of any marketingmaterials bearing Bank's name or any Mark prior to distribution or broadcast ofsuch materials. Bank shall not delay or withhold its approval unreasonably.
**SECTION 3.2 Implementation

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This Agreement sets forth the general terms and conditionsapplicable to all the Programs. Client will receive written approval from Bankprior to issuing Cards under various Programs. Bank reserves the right to refuseservice to any consumer that, in its opinion, presents excessive financial orreputation risk.
**SECTION 3.3 Printing of Cards and Cardholder Agreements**
All Cards and Cardholder Agreements shall identify Bank asthe issuer and include such other names and Marks as may be required to conformto Graphic Standards, Regulatory Authority and Rules. The design for theco-branded Card and Cardholder Agreement shall be subject to Bank's priorapproval, which shall not be unreasonably withheld or delayed, and must complywith all applicable laws, regulations, and Rules.
**SECTION 3.4 Accesses to Program Documents and Information**
Bank shall have access to all information and documents it reasonablyrequests concerning the Client's prospects in order to issue prepaid cards.
**ARTICLE IV - REPRESENTATIONS AND WARRANTIES OF CLIENT 

SECTION 4.1 Representations and Warranties**
Client represents and warrants to Bank as follows:

(a) This Agreement is valid, binding and enforceable against Client inaccordance with its terms.

(b) Client is a corporation duly incorporated, validlyexisting and in good standing under the laws of the State of Maryland and isauthorized to do business in each state in which the nature of Client'sactivities makes such authorization necessary.

(c) Client has the full power and authority to execute anddeliver this Agreement and to perform all its obligations under this Agreement.The provisions of this Agreement and the performance by Client of itsobligations under this Agreement are not in conflict with Client's Articles ofIncorporation, bylaws or any other agreement, contract, lease or obligation towhich Client is a party or by which it is bound.

(d) Neither Client nor any principal of Client has been subject to thefollowing:

        (i) Criminalconviction (except minor traffic offenses and other petty offenses);

        (ii) Federal orstate tax lien;

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        (iii)Administrative or enforcement proceedings commenced by the Securities andExchange Commission, any state securities regulatory authority, Federal Tradecommission, federal or state bank regulator, or any other state or federalregulatory agency or

        (iv) Restrainingorder, decree, injunction, or judgment in any proceeding or lawsuit, allegingfraud or deceptive practice on the part of Client or any principal thereof.

For this subparagraph, the word "principal" shall include anyperson directly or indirectly owning ten percent (10%) or more of Client, anyofficer or director of the company, or any person actively participating in thecontrol of Client's business.

(e) There is not pending or threatened against Client, anylitigation or proceeding, judicial, tax or administrative, the outcome of whichmight materially adversely affect the continuing operations of Client. Attachedto this Agreement is a list and brief description of all pending lawsuits inwhich Client is a party.

(f) Client has delivered to Bank complete and correct copiesof its balance sheets and related statements of income and cash flow. Client'sfinancial statements, subject to any limitation stated therein, which have beenor which hereafter will be furnished to Bank to induce it to enter into thisAgreement do or will fairly represent the financial condition of the company,and all, other information, reports and other papers furnished Bank will be, atthe time the same are furnished, accurate and complete in all material respectsand complete insofar as completeness may be necessary to give Bank a true andaccurate knowledge of the subject matter. The financial statements are inaccordance with the books and records of Client were prepared in accordance withgenerally accepted accounting principles ("GAAP") as in effect from time to timein the United States, as consistently applied, and in accordance with allpronouncements of the Financial Accounting Standards Board. The Bank will makeavailable a standard financial package that it provides its key vendors inaccordance with its other practices.
**ARTICLE V - COVENANTS OF CLIENT 

SECTION 5.1 Covenants**
Client covenants and agrees with Bank as follows:

(a) It will comply with all applicable laws, the Rules andany rules, orders and regulations issued by the Regulatory Authorities thatrelate to the matters and transactions contemplated by this Agreement.

(b) It will promptly give written notice to Bank of anymaterial adverse change in the business, properties, assets, operations orcondition, financial or otherwise, of Client and any pending, or a threat of;litigation involving a sum of $50,000 or more and of all tax deficiencies andother proceedings before governmental bodies or officials affecting

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(c) As soon as possible, and in any event within 90 daysafter the end of Client's fiscal y ear, commencing January 1, 2002, it willprovide Bank with its audited balance sheets and related statements of incomeand cash flow and all notes and schedules thereto as of the end of such period.

(d) As requested, a summary of written consumer complaintsreceived by Client, relating to the Card or its use, will be immediatelyreferred to Bank. Such referral shall include the name and address of thecomplaining Cardholder(s) and a brief summary of the Cardholder's complaint(s).

(e) Client will not, without Bank's prior consent, solicitconsumers using the BANKFIRST name or the approved Program name, through the useof any party who is not directly employed by and under the immediate supervisionand control of Client and its affiliates.
**ARTICLE VI - DUTIES OF BANK****SECTION 6.1 Sponsorship Certification and Administrative Fees**
Client shall not be responsible for any annual membership fees relating toBank Membership with any System.
**SECTION 6.2 Memberships in System**
Bank shall retain its Membership in System in good standingand shall abide in all material respects by all the rules and regulationsapplicable to Bank; provided, however, that Bank shall not be obligated tomaintain such Membership. If Bank elects to terminate its membership in anySystem, or if a System elects to terminate Bank's Membership in spite of Bank'scompliance with the applicable Rules, Bank shall give notice to Client as soonafter it provides notice to or receives notice from the System according to theRules. In the event of such termination, Bank will provide conversion assistancerequired to move Client program to another Bank.
**SECTION 6.3 Notices**
Bank shall deliver to Client a copy of all material noticesor correspondence that it receives from any System, or any other third party,relating to this agreement, within five (5) business days of receipt of suchnotice or correspondence.
**SECTION 6.4 Processing Services**
Bank shall use the services of First Data Resources (FDR) toswitch or process Card transactions. Bank will operate and provide services toClient in accordance with the Sponsor Bank Agreement between Bank and FDR datedApril 1, 2003.
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ARTICLE VII - COMPENSATION AND EXPENSES 

SECTION 7.1 Expenses of Bank

Bank shall be solely responsible for the following expenses:

Except as otherwise provided in this Agreement, all annualMembership fees related to Bank's license with and Membership in any Systemutilized by a Program, and any fees and penalties assessed by any such System orRegulatory Authority due to Bank's actions or of any third party retained byBank.
**SECTION 7.2 Compensation of Bank & Client**
[*** * ***.]

Payments to Client will be made on the 30th day of each month forthe prior month's revenues and will be net of any expenses due from Client.
**SECTION 7.3 Expenses of Client**
Client shall be solely responsible for the following:

(a) Advertising and other expenses associated with themarketing of prepaid cards to its consumers or prospect base or any party underits control or any party for which it is providing services.

(b) All fines and penalties assessed by any Regulatory Authority (other thanBank) due to Client's actions, inactions, or omissions.

(c) All expenses associated with and losses from over limit processing,cardholder or value load fraud and under floor limit processing.

(d) Client agrees to indemnify and hold harmless BANKFIRSTfor any fraud committed by non-Bank employees, Cardholders or others who may useCards inappropriately or in violation of the Cardholder Agreement or anyrelevant laws, ordinances or statues. Client will immediately transfer, or causeto be transferred, to the Funding Account the amount of any overdraft orunauthorized transaction with respect to a

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Card.
**ARTICLE VIII - LIMITATION OF LIABILITY 

SECTION 8.1 No Special Damages**
Neither party shall be liable to the other for any special,indirect, incidental, consequential, punitive or exemplary damages, including,but not limited to, lost profits, even if such party has knowledge of thepossibility of such damages provided, however, that the limitations set forth inthis Section shall not apply to or in any way limit the indemnity obligationsunder this Agreement.
**SECTION 8.2 Disclaimers of Warranties**
Bank specifically disclaims all warranties of any kind,express or implied, arising out of or related to this Agreement, includingwithout limitation, any warranty of marketability, fitness for a particularpurpose or non-infringement, each of which is hereby excluded by agreement ofthe parties.
**SECTION 8.3 Liabilities of Client for System and Regulatory Claims**
Client shall be liable to Bank for any and all liabilitiesand every loss, claim, demand, and cause of action (including, withoutlimitation, the cost of investigating the claim, the cost of litigation andreasonable attorneys' fees, whether or not legal proceedings are instituted andwhether paid or incurred, as the case may be) by or on behalf of any Cardholderas a result of Client's failure to comply with the Rules or applicableRegulatory Authority.
**ARTICLE IX - TERM OF PROGRAMS AND AGREEMENT 

SECTION 9.1 Term and Termination of Agreement Without Cause**
The term of this Agreement shall commence on the EffectiveDate and continue for five (5) years (the "Initial Term") from the first daythat Processing Services are actually delivered by Bank unless terminatedearlier as provided below. After the Initial Term, the Agreement shallautomatically extend for additional periods of one year each (a "Renewal Term").During a Renewal Term, either party may terminate this Agreement for any reasonby providing written notice to the other at least 120 days in advance oftermination or as provided below.
**SECTION 9.2 Termination of Agreement For Cause**
(a) Either Bank or Client shall have the right to terminate this Agreementupon occurrence of one or more of the following events:

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(i) Failure by the other party to observe or perform, in anymaterial respect, that party's obligations to the other party hereunder, so longas the failure is not due to the actions or failure to act of the terminatingparty, but only if the failure continues for a period of (A) thirty (30) daysafter the non-performing party receives written notice from the other partyspecifying the failure in the case of a failure not involving the payment ofmoney, or (B) ten (10) days after the non-performing party receives writtennotice from the other party specifying the failure in the case of a failure topay any amount then due hereunder;

(ii) In the event any financial statement, written warranty,or certificate furnished to it by the other party in connection with or arisingout of this Agreement is materially adverse to the terminating party andintentionally untrue as of the date made or delivered.

(iii) The other party (A) voluntarily commencing anyproceeding or filing any petition seeking relief under Title 11 of the UnitedStates Code or any other Federal, state or foreign bankruptcy, insolvency,liquidation or similar law, (B) applying for or consenting to the appointment ofa receiver, trustee, custodian, sequestrator or similar official for such partyor for a substantial part of its property or assets, (C) making a generalassignment for the benefit of creditors, or (D) taking corporate action for thepurpose of effecting any of the foregoing; or

(iv) The commencement of an involuntary proceeding or thefiling of an involuntary proceeding or the filing of an involuntary petition ina court of competent jurisdiction seeking (A) relief in respect of the otherparty, or of a substantial part of its property or assets under Title of theUnited States Code or any other Federal, state or foreign bankruptcy,insolvency, receivership or similar law, (B) the appointment of a receiver,trustee, custodian, sequestrator or similar office for the other party or for asubstantial part of its property or assets, or (C) the winding up orliquidation, of the other party, if such proceeding or petition shall continueun-dismissed for sixty (60) days or an order or decree approving or ordering anyof the foregoing shall continue unstayed and in effect for sixty (60) days.

(v) Upon any change to or enactment of any law or regulation which would havea material adverse effect upon the Program.

(vi) Violation of any federal or state law relating to the performance ofthis Agreement.

(vii) Upon direction from any Regulatory Authority to cease or materiallylimit performance of the obligations under this Agreement.

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**SECTION 9.3 Survivals of Payments and Survival of						Obligations Upon Termination of Agreement**
This Agreement shall continue in full force and Bank shallcontinue to provide the services currently then being provided until such timeas all Cards are so canceled, but in no event exceeding one year from. notice ofcancellation. If such termination is made by Bank pursuant to Section 9.2, Bankwill be entitled to withhold and pay directly all Program expenses from ProgramRevenues including the costs of servicing the existing Cardholders by aservicing organization reasonably selected by Bank. In such event, Bank shallhave no further obligation to accept any Cardholder accounts from Client.
**ARTICLE X - CONFIDENTIALITY

SECTION 10.1 Confidential Information**
The term "Confidential Information" shall mean this Agreementand all proprietary information, data, trade secrets, business information andother information of any kind whatsoever which (a) a party ("Discloser")discloses, in writing, orally or visually, to the other Party ("Recipient") orto which Recipient obtains access in connection with the negotiation andperformance of this Agreement, and which (b) relates to (i) the Discloser, (ii)in the case of Client, Bank and its customers and or associates, or (iii)Consumers who have made confidential or proprietary information available toClient. The definition of Confidential Information shall include CustomerInformation as described below.
**SECTION 10.2 Customer Information**
Client acknowledges that Bank has a responsibility to itscustomers to keep information about its customers and their accounts strictlyconfidential and Bank acknowledges that Client has a responsibility to itsconsumers to keep their information strictly confidential (collectively,"Customer Information"). In addition to the other requirements set forth in thisSection regarding Confidential Information, Customer Information shall also besubject to the additional restrictions set forth in this Subsection. TheRecipient shall not disclose or use Customer Information other than to carry outthe purposes for which the Discloser or one of its affiliates disclosed suchCustomer Information to Recipient. Recipient shall not disclose any CustomerInformation other than on a "need to know" basis and then only to: (a)affiliates of Discloser; (b) its employees or officers; (c) affiliates ofRecipient provided that such affiliates shall be restricted in use andredisclosure of the Customer Information to the same extent as Recipient; (d) tocarefully selected subcontractors provided that such subcontractors shall haveentered into a confidentiality agreement no less restrictive than the termshereof, (e) to independent contractors, agents, and consultants hired or engagedby Recipient, provided that all such persons are subject to a confidentialityagreement which shall be no less restrictive than the provisions of thisSection; or (f) pursuant to the exceptions set forth in 15 USC 6802(e) andaccompanying regulations which disclosures are made in the ordinary course ofbusiness. The restrictions set forth herein shall apply during the term

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and after the termination of this Agreement. For the purposesof this Section, Cardholders shall be considered customers of Bank.

Each Party must comply with all federal and state privacy laws.

**SECTION10.3 Disclosure to Employees and Agents.**
Each of the Parties, as Recipient, hereby agrees on behalf ofitself and its employees, officers, affiliates and subcontractors thatConfidential Information will not be disclosed or made available to any personfor any reason whatsoever, other than other than on a "need to know basis" andthen only to: (a) its employees and officers; (b) subcontractors and otherthird-parties specifically permitted under this Agreement, provided that allsuch persons are subject to a confidentiality agreement which shall be no lessrestrictive than the provisions of this Section; (c) independent contractors,agents, and consultants hired or engaged by Bank, provided that all such personsare subject to a confidentiality agreement which shall be no less restrictivethan the provisions of this Section; and (d) as required by law or as otherwisepermitted by this Agreement, either during the term of this Agreement or afterthe termination of this Agreement. Prior to any disclosure of ConfidentialInformation as required by law, the Recipient shall (i) notify the Discloser ofany, actual or threatened legal compulsion of disclosure, and any actual legalobligation of disclosure immediately upon becoming so obligated, and (ii)cooperate with the Discloser's reasonable, lawful efforts to resist, limit ordelay disclosure. Nothing in this Section shall require any notice or otheraction by Bank in connection with request or demands for ConfidentialInformation with request by bank examiners.
**SECTION 10.4 Return of Materials**
Upon the termination or expiration of this Agreement, or atany time upon the request of a Party, the other Party shall return allConfidential Information, including Customer Information, in the possession ofsuch Party or in the possession of any third Party over which such Party has ormay exercise control.
**SECTION 10.5 Exceptions**
With the exception of the obligations related to CustomerInformation, the obligations of confidentiality in this Section shall not applyto any information which a party rightfully has in its possession when disclosedto it by the other party, information which a party independently develops,information which is or becomes known to the public other than by breach of thisSection or information rightfully received by a party from a third party withoutthe obligation of confidentiality.
**SECTION 10.6 Media Releases**
All media releases, public announcements and publicdisclosures by either party, or their representatives, employees or agents,relating to this Agreement or the name or logo of Bank, any Bank affiliate orsupplier, including, without limitation, promotional or

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marketing material, but not including any disclosure requiredby legal, accounting or regulatory requirements beyond the reasonable control ofthe releasing party, shall be coordinated with and approved by the other partyin writing prior to the release thereof.
**ARTICLE XI - INSURANCE 

SECTION 11.1 Insurance**
Client shall maintain, throughout the term of this Agreement,appropriate comprehensive general liability insurance policies (which shallinclude contractual liability), the limit of which shall be no less than acombined single limit of $1,000,000 per occurrence for bodily injury andproperty damage.
**ARTICLE MI - GENERAL PROVISIONS 

SECTION 12.1 Indemnification**
(a) Client covenants and agrees to indemnify and holdharmless Bank, its parent, subsidiaries or affiliates, and their respectiveofficers, directors, employees and permitted assigns, as such, against anydirect losses or expenses arising from any legal action, claim, demand orproceedings brought against any of them as a result of any misrepresentation,breach of warranty or failure to fulfill a covenant of this Agreement on thepart of Client , any act or omission of Client or its providers which violatesany law, by-laws or Governmental Requirements, or any claim relating toobligations owed to or by Client or any third party retained by it; provided,that this provision shall not apply if such claim arises out of (i) an act offraud, embezzlement or criminal activity by Bank, (ii) negligence, willfulmisconduct or bad faith by Bank, or (iii) the failure of Bank to comply with, orto perform its obligations under, this Agreement

(b) Bank covenants and agrees to indemnify and hold harmlessClient and its parent, subsidiaries or affiliates, and their respectiveofficers, directors, employees, and permitted assigns, as such, against anydirect, losses or expenses arising from any legal action, claim, demand, orproceedings brought against any of them as a result of any misrepresentation,breach of warranty or failure to fulfill a covenant of this Agreement on thepart of Bank, any act or omission of Bank or its providers which violates anylaw, by-laws or Governmental Requirements, or any claim relating to obligationsowed to or by Bank or any third party retained by it (except to the extent thatClient has agreed to fulfill such obligation under this Agreement); provided,that this provision shall not apply if such claim arises out of (i) an act offraud, embezzlement or criminal activity by Client or its representatives, (ii)negligence, willful misconduct or bad faith by Client or its representatives, or(iii) the failure of Client or its representatives to comply with, or to performits obligations under, this Agreement.

(c) If any claim or demand is asserted against any party or parties(individually or collectively, the "Indemnified Party") by any person who is nota party to this

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Agreement in respect of which the Indemnified Party may beentitled to indemnification under the provisions of subsections (a) or (b)above, written notice of such claim or demand shall promptly be given to anyparty or parties (individually or collectively, the "Indemnifying Party") fromwhom indemnification may be sought. The Indemnifying Party shall have the right,by notifying the Indemnified Party within ten (10) days of its receipt of thenotice of the claim or demand, to assume the entire control (subject to theright of the Indemnified Party to Participate at the Indemnified Party's expenseand with counsel of the Indemnified Party's choice) of the defense, compromiseor settlement of the matter, including, at the Indemnifying Party's expense,employment of counsel of the Indemnifying Party's choice. If the IndemnifyingParty gives notice to any Indemnified Party that the Indemnifying Party willassume control of the defense, compromise or settlement of the mailer theIndemnifying Party will be deemed to have waived all defenses to the claims forindemnification by the Indemnified Party with respect to that matter. Anydamages to the assets or business of the Indemnified Party caused by a failureof the Indemnifying Party to defend, compromise or settle a claim or demand in areasonable and expeditious manner, after the indemnifying Party has given noticethat it will assume control of the defense, compromise or settlement of thematter, shall be included in the damages for which the Indemnifying Party shallbe obligated to indemnify the Indemnified Party.

(d) The provisions of this Section 12.1 and of Section 12.2 shall survivetermination or expiration of this Agreement.
**SECTION 12.2 Disclosure**
(a) Each party shall promptly notify the other of any action,suit, proceeding, facts and circumstances, and the threat of reasonable prospectof same, which might give rise to any indemnification hereunder or which mightmaterially and adversely affect either party's ability to perform thisAgreement.

(b) Each party represents and warrants to the other that ithas no knowledge of any pending or threatened suit, action, arbitration or otherproceedings of a legal, administrative or regulatory nature, or any governmentalinvestigation, against it or any of its affiliates or any officer, director, oremployee which has not been previously disclosed in writing and which wouldmaterially and adversely affect its financial condition, or its ability toperform this Agreement.
**SECTION 12.3 Legal Compliance**
Each party represents and warrants to the other that it isfamiliar with the requirements of all applicable consumer protection lawsapplicable to it which relate to the Program and its obligations hereunder, andagrees that it will comply, in all material respects, with all such laws andregulations and all other applicable laws and regulations relating to itsactivities under this Agreement, now and in the future.
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SECTION 12.4 Licenses

Bank shall obtain and maintain at its sole expense aprincipal license with each applicable System, and shall timely pay all fees,dues, and assessments associated therewith. Similarly, Bank shall be entitled toany distributions that any System may make to its members, except as otherwiseexpressly provided in this Agreement.
**SECTION 12.5 Relationship of Parties**
Bank and Client agree they are independent contractors toeach other in performing their respective obligations hereunder. Nothing in thisAgreement or in the working relationship being established and developedhereunder shall be deemed, nor shall it cause, Bank and Client to be treated aspartners, joint ventures, or otherwise as joint associates for profit.
**SECTION 12.6 Regulatory Examinations and Financial Information**
Client agrees to submit to any examination which may berequired by any Regulatory Authority (other than Bank) with audit andexamination authority over Bank, to the fullest extent of such RegulatoryAuthority. Client shall also provide to Bank any information, which may berequired by any Regulatory Authority in connection with their audit or review ofBank or the Program and shall reasonably cooperate with such RegulatoryAuthority in connection with any audit or review of Bank. Client shall furnishBank, at Client expense, with audited financial statements prepared by acertified public accountant. Client shall also provide such other information asBank, Regulatory Authorities, or the System may from time to time reasonablyrequest with respect to the financial condition of Client and such otherinformation as Bank may from time to time reasonably request with respect tothird parties contracted with Client.
**SECTION 12.7 Governing Law**
This Agreement shall be governed by the internal laws, andnot by the laws regarding conflicts of laws, of the State of South Dakota. EachParty hereby submits to the jurisdiction of the courts of such state, and waivesany objection to venue with respect to actions brought in such courts.
**SECTION 12.8 Severability**
In the event that any part of this Agreement is deemed by acourt, Regulatory Authority (other than Bank), or other public or privatetribunal of competent jurisdiction to be invalid or unenforceable, suchprovision shall be deemed to have been omitted from this Agreement. Theremainder of this Agreement shall remain in full force and effect, and shall bemodified to any extent necessary to give such force and effect to the remainingprovisions, but only to such extent.
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SECTION 12.9 Survival

All representations and warranties herein shall survive any termination orexpiration of this Agreement.
**SECTION 12.10 Successors and Third Parties**
Except as limited by Section 12.11, this Agreement and therights and obligations hereunder shall bind, and inure to the benefit of theparties and their successors and permitted assigns.
**SECTION 12.11 Assignments**
The rights and obligations of Client under this Agreement arepersonal and may not be assigned either voluntarily or by operation of law,without prior written consent from Bank.
**SECTION 12.12 Notices**
All notices, requests and approvals required by thisAgreement shall be in writing addressed/directed to the other party at theaddress and facsimile set forth below, or at such other address of which thenotifying party hereafter receives notice in conformity with this section. Allsuch notices, requests, and approvals shall be deemed given upon the earlier ofreceipt of facsimile transmission during the normal business day or actualreceipt thereof. All such notices, requests and approvals shall be addressed tothe attention of:

Bank to: BANKFIRST

2600 W. 49th Street	

Sioux Falls, SD 57105

Attention: George Lund

Facsimile Number: (605) 782-3800

Client to: NBO Systems, Inc.

3676 W. California Ave., Bldg. D	

Salt Lake City, UT 84104 

Attn: CEO

Facsimile Number: (801)973-4188
**SECTION 12.13 Waivers**
Neither party shall be deemed to have waived any of itsrights, power, or remedies hereunder except in writing signed by an authorizedagent or representative of the party to be charged. Either party may, by aninstrument in writing, waive compliance by the other party with any term orprovision of this Agreement on the part of the other party to be performed orcomplied with. The waiver by either party of a breach of any term or provisionof this Agreement shall not be construed as a waiver of any subsequent breach.
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SECTION 12.14 Entire Agreement; Amendments

This Agreement constitutes the entire Agreement between theparties and supersedes all prior Agreements, understandings, and arrangements,oral or written, between the parties with respect to the subject matter hereof.This Agreement may not be modified or amended except by an instrument orinstruments in writing signed by the party against whom enforcement of any suchmodification or amendment is sought.
**SECTION 12.15 Counterparts**
This Agreement may be executed and delivered by the partiesin counterpart, each of which shall be deemed an original and both of whichtogether shall constitute one and the same instrument.

IN WITNESS WHEREOF, this Agreement is executed by the parties' authorizedofficers or representatives and shall be effective as of the date first abovewritten.

**CLIENT  **

** BANKFIRST**

By: /s/ Randy J. Steck   

 By: /s/ Brad Hanson

Title: COO   

 Title: SVP

Randy J. Steck   
** 

16
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First Amendment to Card Sponsorship Agreement

This Amendment made this _23rd day of July 2003,shall be deemed the First Amendment to the Card Sponsorship Agreement datedApril 9, 2003 previously made by and between NBO Systems, Inc. (hereinafterreferred to as "Client") and BANKFIRST (hereinafter referred to as "Bank").

Whereas, Client and Bank have entered into the above-referenced CardSponsorship Agreement; and

Whereas, Client and Bank now desire to amend the Card Sponsorship Agreement;

Therefore, in consideration of the mutual promises andcovenants set forth herein, and for other good and valuable consideration, thereceipt and sufficiency of which is hereby acknowledged, Client and Bank agreeto amend their Card Sponsorship Agreement as follows:

        Add **"SECTION 3.5 Initial Program Deposit"**as follows: **SECTION 3.5 Initial Program Deposit**
Client shall make an initial deposit of [*** * ***] with Bank priorto the Program launch to fund test accounts and cover initial card sales untilthe daily settlement process begins.

        Add **"SECTION 3.6 Value Loads"**as follows:
**        SECTION 3.6 Value Loads**
        Client shall provide Bank with the total amount of the cumulative		value loads daily.

        Amend "**SECTION 7.2 Compensation of Bank & Client"**by adding at the endthereof the following:

Also on the 30th of each month for the previous month, Bankwill pay Client an earnings credit. This earnings credit will be calculatedusing the current commercial money market rate on the 30`h day of themonth for which the earnings credit is being calculated, times the averagemonthly balance in the Funding Account.

Example: On May 30th, the average monthly balance in thefunding account in the month of May will be reviewed and multiplied times thecommercial money market rate posted on May 30th. This earnings creditwill be paid to NBO on or before the 30th day of June.

In the event that there are insufficient funds in a particular account fromwhich Client has requested an ACH, Client shall owe Bank an NSF fee of $18.(This fee may be subject to increase by no more than 5% annually after the firsttwelve months from program launch date.) The total ACH amount requested plus theNSF fee will be deducted from another NBO corporate
7/23/2003 5:15 PM   
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 NBO First Amend 072103

account from which NBO has previously given Bank authority to transact ACHtransactions. Client shall not deny Bank the right to transact such an ACHincluding the NSF fee.

Bank shall not be responsible for insufficient funds payments that any mallmay receive from a customer purchasing an NBO Mall GiftCard product. Clientshall hold Bank harmless and be responsible for the resolution of any suchinsufficient funds payment.

In witness whereof, the parties have executed this Agreementas of the date written above. 
BANK    CLIENTBy: /s/ Brad Hanson    By: /s/ Randy J. SteckBrad Hanson, Senior Vice President    Title: Randy Steck, COO
 
7/23/2003 5:15 PM   
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 NBO First Amend 072103

SECOND AMENDMENT TO CARD SPONSORSHIPAGREEMENT

This SECOND AMENDMENT to the CARD SPONSORSHIP AGREEMENT (the"Agreement") is entered into this 26th day of January, 2004, by andbetween **BANKFIRST,**whose address is 2600 W. 49th Street, SiouxFalls, South Dakota 57105 **("Bank")**and **NBO Systems, Inc.,**doingbusiness at 3676 W. California Ave. Bldg. D, Salt lake City, Utah 84104("Company").
**RECITALS**
A. Company and Bank executed the Agreement on April 9, 2003.

B. Company and Bank wish to amend the terms of the Agreementas set forth below. The objective of this First Amendment is to clarify andenhance the pricing of the Card Sponsorship Agreement.
**NOW, THEREFORE, it is hereby agreed									as follows: **AMENDMENTS**
1. SECTION 7.3 Expenses of Client shall be amended by the addition of thefollowing sub-sections:

(e) The initial [*** * ***] ISO fee required by VISA, and theannual ISO registration fee for VISA due on January 1 of every year hereafter.

(f) The set up fee for a new mall(s) as follows:

[*** * ***]

2. Except as expressly provided in this Amendment, all otherterms, conditions and provisions of the Card Sponsorship Agreement shallcontinue in full force and effect as provided therein.

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**IN WITNESS WHEREOF, Company and Bank have entered into this Amendmenteffective as of the date first set forth above.
**NBO Systems, Inc.  **** BANKFIRST**		By: /s/ Randy J. Steck    By: /s/ Brad Hanson		Title: COO    Title: SVP		Date: 1/26/04    Date: 1/27/04
Page 2 of 2
**ODFI Originator Agreement[FINAL]**
The ODFI Originator Agreement (the "Agreement") dated as ofMarch **19**, 2004 and is between NBO Systems, Inc. whose address is 3676 W.California Ave. Bldg. D, Salt Lake City, Utah 84104 ("Client") and BANKFIRST,whose address is 2600 W. 49th Street, Sioux Falls, South Dakota 57105("Bank").
**RECITALS**
(a) Bank is a member bank of the Federal Reserve Bank ofMinneapolis and is a member of the Upper Midwest Automated Clearing HouseAssociation ("UMACHA"). Bank is in the business of establishing SettlementAccounts for the settlement of Automated Clearing House ("ACH") transactions.

(b) Client wishes to initiate Debit and Credit Entries bymeans of the Automated Clearing House Network pursuant to the terms of thisAgreement and the rules of NACHA (the "Rules"), and the Bank is willing to actas an Originating Depository Financial Institution ("ODFI") with respect to suchEntries.
**NOW, THEREFORE, in consideration of the mutual covenants and conditionshereinafter set forth, the parties hereto, intending to be legally bound, agreeas follows:
**ARTICLE I - DEFINITIONS 

SECTION 1.1 Definitions**
Except as otherwise specifically indicated, the followingterms shall have the following meanings in this Agreement (such meanings to beequally applicable to both the singular and plural forms of the terms defined):

(a) "Entry" or "Entries" means the recording of a debit and/or a credit of atransaction.

(b) "Governmental Requirements" means collectively allstatutes, codes, ordinances, laws, regulations, Rules, orders and decrees of allgovernmental authorities (including without limitation federal, state and localgovernments, governmental agencies and quasi-governmental agencies).

(c) "Mark" means the service marks and trademarks of a Systemand Bank, including but not limited to, the names and other distinctive marks orlogos, which identify a System and Bank.

(d) "Membership" means the membership in a System and licensing		rights

1

thereto obtained by Bank.

(e) "Originator" means the party that creates an ACH item to be processed inthe ACH system.

(f) "Processing Services" means those services, which arenecessary to process an Entry in accordance with the Rules of any System andRegulatory Authority. Such services shall include but not be limited to:transaction authorization, processing, clearing and Settlement, System access,customer dispute resolution, System compliance, regulatory compliance, securityand fraud control, and activity reporting.

(g) "Regulation E" means (i) the regulations, all amendmentsthereto and official interpretations thereof (12 C.F.R. Part 205) issued by theBoard of Governors of the Federal Reserve System implementing Title IX(Electronic Funds Transfer Act) of the Consumer Credit Protection Act as amended(15 U.S.C. 1693 et. seq.), and (ii) the Electronic Funds Transfer Act and anyamendments thereto.

(h) "Regulatory Authority" means, as the context requires,any System; the State of South Dakota; the Federal Deposit InsuranceCorporation; the Federal Reserve Board; and any Federal or state agency havingjurisdiction over Bank or Client.

(i) "Rules" means the by-laws and operating rules of anySystem, the published regulations of any Regulatory Authority including NACHA,any Federal or State statutes, and the published policies and procedures ofBank, as promulgated by Bank's Board of Directors in good faith to ensure thecontinued safety and soundness of Bank.

(j) "Settlement" means the movement of funds between Bank and System membersin accordance with the Rules.

(k) "System" means Automated Clearing House (ACH), and/or any other cardnetwork system of transmitting Items and Settlement thereof.
**ARTICLE II - GENERAL DESCRIPTION OF PROGRAMS 

SECTION 2.1 Purpose**
The purpose of this Agreement is to offer ACH processingfunctionality, as an alternative to traditional transfer of funds by creditcards, cash and paper checks. It is designed to offer consumers a convenient andsecure payment mechanism.
**ARTICLE III - DUTIES OF CLIENT**
Client - BANKFIRST                                                                                            2

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**SECTION 3.1 Marketing**
Client shall, from time to time, promote and market ACHfunctionality to prospective customers. Except as may be agreed by the partiesfrom time to time during the term of this Agreement, each party shall beresponsible for its own costs and expenses associated with marketing of any ACHfunctionality under this Agreement. Client has no authority to use any Marksunless Bank is appropriately identified. Bank shall have the right to approve ordisapprove any marketing materials bearing Bank's name or any of its Marks priorto distribution or broadcast of such materials. Bank shall not delay or withholdits approval unreasonably.
**SECTION 3.2 ACH File Transmission**
Bank reserves the right to refuse service to any consumer andor Transaction that, in its opinion, presents excessive financial or reputationrisk. Client shall transmit valid Standard Entry Class Codes CIE, COR, PPD, TEL,and WEB debit and credit Entries to Bank in compliance with theformatting/security and other requirements set forth in Schedule B. The totaldollar amount of Entries transmitted by Client to Bank on any one day shall notexceed [ *** * ***]. On a quarterly basis during the term of thisAgreement Bank and Client shall review the maximum dollar limit for the file ofEntries and Bank shall, within two (2) business days of such determination toadjust the system to reflect the change. Both parties agree to act in good faithin determining a mutually agreed to dollar amount.

The limits in Section 3.2 shall apply to all Entries with theexception of the VISA Gift Card Program funding during the December calendarmonth. Bank and Client shall agree to a temporary increase in the maximum Entrydirectly resulting from Gift Card sales. In the event the temporary limit isinsufficient to allow total funding, Bank will in its sole discretion review andapprove or make the appropriate recommendation and advise Client accordingly.
**SECTION 3.3 Accesses to Program Documents and Information**
Bank shall have access to all information and documents itreasonably requests concerning the Client's processing and reporting of ACHTransactions in order to offer ACH connectivity.
**SECTION 3.4 Audit**
Bank shall have the right, during the term of this Agreement,upon reasonable notice and during normal business hours, to conduct a review ofthe books and records of the Client to determine or to verify the compliance ofthe Client with its obligations under this Agreement, including the payment offees.
**SECTION 3.5 Reserve Account**
Client - BANKFIRST                                                                                           3

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Client shall own and maintain a demand deposit account("Reserve Account") at the Bank. The Bank in its sole discretion may requireClient to maintain at a minimum a balance in the Reserve Account equal to onedays funding load request of the highest mall and/or merchant. Client isprohibited from sending Credit Entries relative to the VISA Gift Card Program.Client shall at all times maintain sufficient available funds in the ReserveAccount to pay the amount of all Entries against Client, returned or reversedEntries, adjustment Entries, fees, and other amounts which Client is obligatedto pay Bank under this Agreement. Bank in its sole discretion may require Clientto have sufficient available funds in the Reserve Account to cover the amount ofa credit Entry prior to Bank's transmittal of such Entry to an ACH. In theabsence of such a requirement, Client shall be obligated to have such availablefunds in the Reserve Account on the Settlement Date with respect to such Entry.Bank in its sole discretion may defer any credit to the Reserve Account withrespect to a debit Entry until it has received final settlement for such Entry.Any credit provided prior to that time shall be provisional and Bank shall havethe right to immediate payment by Client upon Bank's receipt of notice thatfinal settlement has not occurred. In addition, Bank shall have the right topayment by Client of the amount of any returned or rejected Entry for whichClient has previously received credit upon its receipt by Bank. Bank may,without prior notice or demand, obtain payment of any amount due and payable toit by Client by initiating an ACH debit Entry against the Reserve Account, andmay initiate an ACH credit Entry to the Reserve Account for any amount to whichClient is entitled. If there are insufficient funds available in the ReserveAccount to pay amounts Client owes Bank under the Agreement, Client shall payany amounts due immediately upon demand, and Client agrees that Bank may debitany account maintained by Client with Bank or that Bank may set off against anyamount it owes to Client, in order to obtain payment of Client's obligations. Inits sole discretion, Bank has the right to suspend or terminate this Agreementif there are insufficient funds to cover transactions/fees pursuant to Section9.2.

Entries transmitted by Bank or credited to Client ReserveAccount maintained with Bank will be reflected on Client's periodic statementissued by Bank with respect to the Reserve Account pursuant to the Agreementbetween Bank and Client. Client agrees to notify Bank promptly of anydiscrepancy between Client's records and the information shown on any periodicstatement. If Client fails to notify Bank of any discrepancy within sixty (60)days of receipt of a periodic statement containing such information for Consumertransaction or five (5) business days for a corporate transaction, Client agreesthat Bank shall not be liable for any other losses resulting form Client'sfailure to give such notice or any loss of interest or any interest equivalentwith respect to an Entry shown on such periodic statement. If Client fails tonotify Bank of any such discrepancy within ninety (90) days of receipt of suchperiodic statement, Client shall be precluded from asserting such discrepancyagainst Bank.
**SECTION 3.6 Monitoring**
Client shall be responsible to monitor the ACH activity.Monitoring of transaction activity shall include, but not be limited to,activity trends, large dollar activity, returns (number and percentage), andmultiple load transactions on a daily basis.

Client - BANKFIRST                                                                                           4

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**SECTION 3.7 Reporting**
When and as reasonably requested by Bank, Client shallpromptly provide to Bank pertinent data and other information which may be inthe possession of or available to Client concerning the transactions. Clientshall make such data and other information available to Bank at Client's solecost and expense.
**SECTION 3.8 Warranty of Transactions**
Client shall warrant all ACH transactions that are originated by Client. **SECTION 3.9 Notice of Change (NOC) Processing**
Client shall process all NOC files/transactions within five (5) business daysof receipt.
**SECTION 3.10 Compliance with Security Procedure**
Client shall comply with the security procedure requirementsdescribed in Schedule Bwith respect to Entries transmitted by Client to Bank.Client acknowledges that the purpose of such security procedure is forverification of authenticity and not to detect an error in the transmission orcontent of an Entry. No security procedure for the detection of any such errorhas been agreed upon between the Bank and Client.

Client is strictly responsible to establish and maintain theprocedures to safeguard against unauthorized transmissions. Client warrants thatno individual will be allowed to initiate transfers in the absence of propersupervision and safeguards, and agrees to take reasonable steps to maintain theconfidentiality of the security procedures and any passwords, codes, securitydevices and related instructions provided by Bank in connection with thesecurity procedures described in Schedule B. If Client believes or suspects thatany such information or instructions have been discovered or accessed byunauthorized persons, Client agrees to notify Bank immediately followed bywritten confirmation. The occurrence of unauthorized access will not affect anytransfers made in good faith by Bank prior to receipt of such notification andwithin a reasonable time period to prevent unauthorized transfers.

If an Entry (or a request for cancellation or amendment of anEntry) received by Bank purports to have been transmitted or authorized byClient, it will be deemed effective as Client's Entry (or request) and Clientshall be obligated to pay Bank the amount of such Entry even though the Entry(or request) was not authorized by Client, provided Bank accepted the Entry ingood faith and acted in compliance with the security procedures referred to inSchedule B with respect to such Entry.

If an Entry (or request for cancellation or amendment of an Entry) receivedby Bank was transmitted or authorized by Client, Client shall pay Bank theamount of the

Client - BANKFIRST                                                                                           5

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Entry, whether or not Bank complied with the securityprocedures referred to in Schedule B with respect to that Entry and whether ornot that Entry was erroneous in any respect or that error would have beendetected if Bank had complied with such procedure.
**SECTION 3.11 Data Retention**
Client shall retain data on file adequate to permit remakingof Entries for ninety (90) days following the date of their transmittal by Bankas provided herein, and shall provide such Data to Bank upon its request. Clientshall retain any data regarding transactions processed pursuant to thisagreement for a minimum of six (6) years.
**SECTION 3.12 Evidence of Authorization**
Client shall obtain all consents and authorizations required under the Rulesand shall retain such consents and authorization for two years after theyexpire.
**ARTICLE IV - REPRESENTATIONS AND WARRANTIES

SECTION 4.1 Representations and Warranties Client**
Client represents and warrants to Bank as follows:

(a) This Agreement is valid, binding and enforceable against Client inaccordance with its terms.

(b) Client is a corporation duly incorporated, validlyexisting and in good standing under the laws of the State of Maryland and isauthorized to do business in each state in which the nature of Client'sactivities makes such authorization necessary.

(c) Client has the full power and authority to execute anddeliver this Agreement and to perform all its obligations under this Agreement.The provisions of this Agreement and the performance by Client of itsobligations under this Agreement are not in conflict with Client's Articles ofIncorporation, bylaws or any other agreement, contract, lease or obligation towhich Client is a party or by which it is bound.

(d) Neither Client nor any principal of				Client has been subject to the following: 

(i) Criminal conviction (except minor						traffic and other petty offenses); 

(ii) Federal or state tax lien;

(iii) Administrative or enforcement						proceedings commenced by the Securities and Exchange						Commission, any state securities regulatory authority,						Federal Trade commission, federal or state bank						regulator,

or any other state or federal regulatory agency; or

Client - BANKFIRST                                                                                           6

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(iv) Restraining order, decree,						injunction, or judgment in any proceeding or lawsuit,						alleging fraud or deceptive practice on the part of						Client or any principal thereof.

For this subparagraph, the word "principal" shall include anyperson directly or indirectly owning ten percent (10%) or more of Client, anyofficer or director of the Client, or any person actively participating in thecontrol of Client's business.

(e) There is not pending or threatened against Client, anylitigation or proceeding, judicial, tax or administrative, the outcome of whichmight materially adversely affect the continuing operations of Client. Attachedto this Agreement is a list and brief description of all pending lawsuits inwhich Client is a party.

(f) Client has delivered to Bank complete and correct copiesof its balance sheets and related statements of income and cash flow. Client'sfinancial statements, subject to any limitation stated therein, which have beenor which hereafter will be furnished to Bank to induce it to enter into thisAgreement do or will fairly represent the financial condition of the Client, andall other information, reports and other papers furnished to Bank will be, atthe time the same are furnished, accurate and complete in all material respectsand complete insofar as completeness may be necessary to give Bank a true andaccurate knowledge of the subject matter. The financial statements are inaccordance with the books and records of Client were prepared in accordance withgenerally accepted accounting principles ("GAAP") as in effect from time to timein the United States, as consistently applied, and in accordance with allpronouncements of the Financial Accounting Standards Board. The Bank will makeavailable a standard financial package that it provides its key vendors inaccordance with its other practices.

(g) Client agrees that at Bank's sole discretion, Bank, itsauthorized representatives, or agents and any government entity with regulatoryor supervisory authority over Bank (collectively "the Auditing Party"), shallhave the right to inspect, audit, and examine all of Client's facilities,records and personnel relating to the functionality described in this Agreementat any time during normal business hours upon reasonable notice. The AuditingParty shall have the right to make abstracts from Client's books, accounts,data, reports, papers, and computer records directly pertaining to the subjectmatter of this Agreement, and Client shall make all such facilities, records,personnel, books, accounts, data, reports, papers, and computer recordsavailable to the Auditing Party for the purpose of conducting such inspectionsand audits.
**SECTION 4.2 Representations and Warranties Bank**
Bank represents and warrants to Client as follows:

(a) This Agreement is valid, binding and enforceable against Bank inaccordance with its terms.

Client - BANKFIRST                                                                                           7

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(b) Bank is a corporation duly incorporated, validly existingand in good standing under the laws of the State of South Dakota and isauthorized to do business in each state in which the nature of Bank's activitiesmakes such authorization necessary.

(c) Bank has the full power and authority to execute anddeliver this Agreement and to perform all its obligations under this Agreement.The provisions of this Agreement and the performance by Bank of its obligationsunder this Agreement are not in conflict with Bank's Articles of Incorporation,bylaws or any other agreement, contract, lease or obligation to which Bank is aparty or by which it is bound.

(d) There is not pending or threatened against Bank, anylitigation or proceeding, judicial, tax or administrative, the outcome of whichmight materially adversely affect the continuing operations of Bank.
**ARTICLE V - COVENANTS 

SECTION 5.1 Covenants of Client**
Client covenants and agrees with Bank as follows:

(a) It will comply with all applicable laws, the Rules andany rules, orders and regulations issued by the Regulatory Authorities thatrelate to the matters and transactions contemplated by this Agreement. Inparticular, Client will comply with the applicable requirements of: the U.S.PATRIOT Act, including Section 326 Customer Identification Programs;Gramm-Leach-Bliley Act (GLBA) including the Privacy Rules and Regulation P; andthe Office of Foreign Asset Control (OFAC) directives.

(b) It will promptly give written notice to Bank of anymaterial adverse change in the business, properties, assets, operations orcondition, financial or otherwise, of Client and any pending, or a threat of,litigation involving a sum of $50,000 or more and of all tax deficiencies andother proceedings before governmental bodies or officials affecting Client.

(c) As soon as possible, and in any event within 90 daysafter the end of Client's fiscal year, commencing January 1, 2004, it willprovide Bank with its audited balance sheets and related statements of incomeand cash flow and all notes and schedules thereto as of the end of such period.

(d) All consumer complaints received by Client, relating tothe ACH functionality or its use, will be immediately reported to Bank. Suchreport shall include the name and address of the complaining consumer and abrief summary of the consumer's complaint.

(e) Client will not, without Bank's prior consent, solicit consumers throughthe use of any party who is not directly employed by and under the immediatesupervision and

Client - BANKFIRST                                                                                           8

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control of Client and its affiliates. 
**SECTION 5.2 Covenants of Bank

Bank covenants and agrees with Client as follows:

(a) It will comply with all applicable laws, the Rules andany rules, orders and regulations issued by the Regulatory Authorities thatrelate to the matters and transactions contemplated by this Agreement. Inparticular, Bank will comply with the applicable requirements of: the U.S.PATRIOT Act, including Section 326 Customer Identification Programs;Gramm-Leach-Bliley Act (GLBA) including the Privacy Rules and Regulation P; andthe Office of Foreign Asset Control (OFAC) directives.

(b) It will promptly give written notice to Client of anymaterial adverse change in the business, properties, assets, operations orcondition, financial or otherwise, of Bank and any pending, or a threat of,litigation involving a sum of $50,000 or more and of all tax deficiencies andother proceedings before governmental bodies or officials affecting Bank.

(c) All consumer complaints received by Bank, relating to theACH functionality or its use, will be immediately reported to Client. Suchreport shall include the name and address of the complaining consumer and abrief summary of the consumer's complaint.
**ARTICLE VI - DUTIES OF BANK****SECTION 6.1 Sponsorship Certification and Administrative Fees**
Bank shall be responsible for any annual membership fees relating to BankMembership with any System.
**SECTION 6.2 Memberships in System**
Bank shall retain its Membership in System in good standingand shall abide in all material respects by all the Rules and regulationsapplicable to Bank; provided, however, that Bank shall not be obligated tomaintain such Membership. If Bank elects to terminate its membership in anySystem, or if a System elects to terminate Bank's Membership in spite of Bank'scompliance with the applicable Rules, Bank shall give notice to Client as soonafter it provides notice to or receives notice from the System according to theRules.
**SECTION 6.3 Notices**
Bank shall deliver to Client a copy of all material noticesor correspondence that it receives from any System, or any other third party,relating to this agreement, within five (5) business days of receipt of suchnotice or correspondence.

Client - BANKFIRST                                                                                           9

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**SECTION 6.4 Processing Services**
Bank shall provide for the processing of Entries receivedfrom Client to conform to the requirements set forth in this Agreement. Bankshall provide for transmitting of such Entries as an ODFI to the Federal ReserveSystem or through the use of an ACH Client Sender. Bank shall settle for suchEntries as provided in the Rules.

Bank shall provide for the processing of the Entries asdefined in Schedule B provided that the file was received on time, the FederalReserve Bank is open for business, and the effective entry date is stated. Ifany of the requirements are not met in this Section 6.4, Bank shall usereasonable efforts to transmit such Entries to the ACH by the next depositdeadline of the ACH following that specific in Schedule B which is a businessday and a day on which the ACH is open for business.

Bank shall not cancel or amend an Entry after it is deliveredto Bank. Bank shall use reasonable efforts to act on a request by Client forreversal of a file of Entries according to the Rules; provided that Bank shallnot be liable for interest or loses if such reversal is not effected. Anyrequest by Client for reversal of a file of Entries must comply with theDelivery Requirements and Security Procedures as defined in Schedule B. Clientshall reimburse Bank for any expenses, losses, or damages Bank may incur ineffecting or attempting to effect Client's request for the reversal of a file ofEntries. Bank is entitled to payment from Client in the amount of any suchreversal of a debit file of Entries prior to acting on any request thereof.
**SECTION 6.5 Error Resolution and Rejection of Entries**
Bank shall be responsible to investigate all errorsidentified by the Client. Bank may reject any Entry which does not comply withrequirements of Section 3.2 and Section 3.10 or which contains an EffectiveEntry Date more than three (3) days after the business day such Entry isreceived by Bank. Bank may reject an On-Us Entry for any reason for which anEntry may be returned under the Rules. Bank may reject an Entry if Client hasfailed to comply with its Reserve Account balance obligations under Section 3.5.Bank may reject any entry if Client does not adhere to security procedures asdescribed in Schedule B. Bank shall notify Client by telephone, e-mail, or anyother mutually agreed to means not later than the next business day after theeffective Entry date. Notices of rejection shall be effective when given. Bankshall have no liability to Client by reason of the rejection of any such Entryor the fact that such notice is not given at an earlier time than that providedfor herein.
**SECTION 6.6 File Return Notification**
Bank will provide for the notification to Client either bytelephone, electronically, or as otherwise agreed about the return of a file.Notification will be made within one (1) business day of receipt of such anEntry or File. Bank shall use its best efforts to provide for notification toClient on the date of the receipt but will have no obligation to reexecute

Client - BANKFIRST                                                                                           10

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or take other action with respect to a returned Entry orFile. Notices of the return of a file shall be effective when given. Bank shallhave no liability to Client by reason of the return of any such Entry or thefact that such notice is not given at an earlier time than that provided forherein.
**SECTION 6.7 Tapes and Records**
All magnetic tapes, Entries, security procedures and relatedrecords used by Bank for transactions contemplated by this Agreement shall beand remain Bank's property. Bank may, at its sole discretion, make availablesuch information upon Client's request. Ay expenses incurred by Bank in makingsuch information available to Client shall be paid by Client.
**SECTION 6.8 On-Us Entries**
Except as provided in this Section 6.8, in the case of anEntry received for credit to an account maintained with Bank (an "On-Us Entry"),Bank shall credit the Client's Reserve Account in the amount of such Entry onthe Effective Entry Date contained in such Entry, provided the requirements setforth in Section 6.4 are met. If these requirements are not met, Bank shall usereasonable efforts to credit the Client Reserve Account in the amount of suchEntry no later than the next business day following such Effective Entry Date.
**ARTICLE VII - COMPENSATION AND EXPENSES 

SECTION 7.1 Expenses of Bank**
Bank shall be solely responsible for the following expenses:

Except as otherwise provided in this Agreement, all annualMembership fees related to Bank's license with and Membership in any Systemutilized by the ACH processing, and any fees and penalties assessed by any suchSystem or Regulatory Authority due to Bank's actions or of any third partyretained by Bank.
**SECTION 7.2 Compensation of Bank**
Client shall pay Bank the charges for the services providedin connection with this Agreement, as set forth in Schedule A. All fees andservices are subject to change upon 30 calendar days' prior written notice fromBank to Client. Such charges do not include and Client shall be responsible forpayment of, any sales, use, excise, value added, utility or other similar taxesrelating to such services, and any fees or charges provided for in the agreementbetween Bank and Client with respect to the Reserve Account.
**SECTION 7.3 **Expenses of Client**
Client - BANKFIRST                                                                                           11

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Client shall be solely responsible for the following:

(a) Advertising and other expenses associated with themarketing of ACH functionality or membership plans to its consumers or prospectbase or any party under its control or any party for which it is providingservices.

(b) All fines and penalties assessed by any Regulatory Authority due toClient's actions, inactions, or omissions.

(c) All expenses associated with and losses fromnon-sufficient fund payment requests, consumer fraud, or any other transactionsinitiated by the consumer where funds are not available and cash wasprovided/distributed to the consumer by Client.

(d) All fees assessed by Bank for exceeding the error tolerance levels onfiles transmitted for ACH processing.
**ARTICLE VIII - LIMITATION OF LIABILITY 

SECTION 8.1 No Special Damages**
Neither party shall be liable to the other for any special,indirect, incidental, consequential, punitive or exemplary damages, including,but not limited to, lost profits, even if such party has knowledge of thepossibility of such damages provided, however, that the limitations set forth inthis Section shall not apply to or in any way limit the indemnity obligationsunder this Agreement.
**SECTION 8.2 Disclaimers of Warranties**
Bank specifically disclaims all warranties of any kind,express or implied, arising out of or related to this Agreement, includingwithout limitation, any warranty of marketability, fitness for a particularpurpose or non-infringement, each of which is hereby excluded by agreement ofthe parties.
**SECTION 8.3 Liabilities of Client for System and Regulatory Claims**
Client shall be liable to Bank for any and all liabilitiesand every loss, claim, demand, and cause of action (including, withoutlimitation, the cost of investigating the claim, the cost of litigation andreasonable attorneys' fees, whether or not legal proceedings are instituted andwhether paid or incurred, as the case may be) as a result of Client's failure tocomply with the Rules or applicable Regulatory Authority.

Client - BANKFIRST                                                                                           12

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**ARTICLE IX - TERM OF PROGRAMS AND AGREEMENT

SECTION 9.1 Term and Termination of Agreement Without Cause**
The term of this Agreement shall commence on the EffectiveDate and continue for three (3) years (the "Initial Term") from the first daythat Processing Services are actually provided for by Bank unless terminatedearlier as provided below. After the Initial Term, the Agreement shallautomatically extend for additional periods of one year each (a "Renewal Term").During a Renewal Term, either party may terminate this Agreement for any reasonby providing written notice to the other at least 120 days in advance oftermination or as provided below.
**SECTION 9.2 Termination of Agreement For Cause**
(a) Either Bank or Client shall have the right to terminate this Agreementupon occurrence of one or more of the following events:

(i) Failure by the other party to observe or perform,		in any material respect, that party's obligations to the other party		hereunder, so long as the failure is not due to the actions or failure		to act of the terminating party, but only if the failure continues for a		period of (A) thirty (30) days after the non-performing party receives		written notice from the other party specifying the failure in the case		of a failure not involving the payment of money, or (B) ten (10) days		after the non-performing party receives written notice from the other		party specifying the failure in the case of a failure to pay any amount		then due hereunder; provided, however, that Bank, in its sole		discretion, may terminate this Agreement without such a cure period if a		substantially similar material failure has previously occurred;

(ii) In the event any financial statement,		representation, warranty, statement or certificate furnished to it by		the other party in connection with or arising out of this Agreement is		materially adverse to the terminating party and intentionally untrue as		of the date made or delivered.

(iii) The other party (A) voluntarily commencing any		proceeding or filing any petition seeking relief under Title 11 of the		United States Code or any other Federal, state or foreign bankruptcy,		insolvency, liquidation or similar law, (B) applying for or consenting		to the appointment of a receiver, trustee, custodian, sequestrator or		similar official for such party or for a substantial part of its		property or assets, (C) making a general assignment for the benefit of		creditors, or (D) taking corporate action for the purpose of effecting		any of the foregoing; or

(iv) The commencement of an involuntary proceeding or		the filing of an involuntary proceeding or the filing of an involuntary		petition in a court of competent jurisdiction seeking (A) relief in		respect of the other party, or of a substantial part of its property or		assets under Title of the United States Code or any other Federal, state		or foreign bankruptcy, insolvency, receivership or similar

Client - BANKFIRST                                                                                           13

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law, (B) the appointment of a receiver, trustee,		custodian, sequestrator or similar office for the other party or for a		substantial part of its property or assets, or (C) the winding up or		liquidation, of the other party, if such proceeding or petition shall		continue un-dismissed for sixty (60) days or an order or decree		approving or ordering any of the foregoing shall continue unstayed and		in effect for sixty (60) days.

(v) Upon any change to or enactment of any law or		regulation which would have a material adverse effect upon the		processing described in this Agreement.

(vi) Violation of any federal or state law relating to the		performance of this Agreement.

(vii) Upon direction from any Regulatory Authority to cease or		materially limit performance of the obligations under this Agreement.
**SECTION 9.3 Survivals of Payments and Survival of						Obligations Upon Termination of Agreement**
This Agreement shall continue in full force and Bank shallcontinue to provide the services currently then being provided until such timeas all transactions are so processed, but in no event exceeding ninety (90) daysfrom notice of cancellation. If such termination is made by Bank pursuant toSection 9.2, Bank will be entitled to withhold and pay directly all processingexpenses from processing revenues including the costs of servicing the existingcustomers by a servicing organization reasonably selected by Bank. In suchevent, Bank shall have no further obligation to accept transactions from Client.

Any termination of this Agreement shall not affect any ofBank's rights and Client's obligations with respect to Entries initiated byClient prior to such termination, or the payment obligations of Client withrespect to services performed by Bank prior to termination, or any otherobligation that survive termination of this Agreement.
**SECTION 9.4 Liquidated Damages**
The Parties agree that the pricing under this Agreement wasdetermined by mutual agreement based upon certain assumed volumes of processingactivity and the length of the Term of this Agreement.

The Parties further agree that it would be difficult orimpossible to ascertain Bank's actual damages for a termination or other breachof this Agreement by Client resulting in a termination of this Agreement beforethe end of the Term. The Parties further agree the Bank is entitled to : (i) allfees earned but not paid prior to the date of termination, (ii) any direct costsincurred as a result of the termination, deconversion and/or change-over; and(iii) depending on the Agreement, an amount equal to: (x) the contract minimum,if

Client - BANKFIRST                                                                                           14

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applicable; (y) 50% of the annual minimum for each full yearremaining in the Agreement, prorated for partial years remaining; or (z) 50% ofan average monthly fee, calculated by Bank by selecting and averaging any threeconsecutive months, multiplied by the number of months remaining in theAgreement. Client agrees this is a reasonable estimation of the actual damagesBank would suffer if Bank did not receive the expected benefits to be derivedfrom this Agreement for the full Term.

Each Party acknowledges and agrees, after taking into accountthe terms of this Agreement and all relevant circumstances at the date hereof,that the Liquidated Damages payable under this Section 9.4 represents areasonable and genuine pre-estimate of the damages which would be suffered byBank in the event of early termination of this Agreement and does not constitutea penalty.

Nothing in this Agreement shall limit the right of any party to thisAgreement to seek injunctive relief, to the extent available, with respect tobreaches of this Agreement.
**ARTICLE X - CONFIDENTIALITY

SECTION 10.1 Confidential Information**
The term "Confidential Information" shall mean this Agreementand all proprietary information, data, trade secrets, business information andother information of any kind whatsoever which (a) a party ("Discloser")discloses, in writing, orally or visually, to the other Party ("Recipient") orto which Recipient obtains access in connection with the negotiation andperformance of this Agreement, and which (b) relates to (i) the Discloser, (ii)in the case of Client, Bank and its customers and or associates, or (iii)Consumers who have made confidential or proprietary information available toClient. The definition of Confidential Information shall include CustomerInformation as described below.
**SECTION 10.2 Customer Information**
Client acknowledges that Bank has a responsibility to itscustomers to keep information about its customers and their accounts strictlyconfidential and Bank acknowledges that Client has a responsibility to itsconsumers to keep their information strictly confidential (collectively,"Customer Information"). In addition to the other requirements set forth in thisSection regarding Confidential Information, Customer Information shall also besubject to the additional restrictions set forth in this Subsection. TheRecipient shall not disclose or use Customer Information other than to carry outthe purposes for which the Discloser or one of its affiliates disclosed suchCustomer Information to Recipient. Recipient shall not disclose any CustomerInformation other than on a "need to know" basis and then only to: (a)affiliates of Discloser; (b) its employees or officers; (c) affiliates ofRecipient provided that such affiliates shall be restricted in use andredisclosure of the Customer Information to the same extent as Recipient; (d) tocarefully selected subcontractors provided that such subcontractors shall

Client - BANKFIRST                                                                                           15

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have entered into a confidentiality agreement no lessrestrictive than the terms hereof; (e) to independent contractors, agents, andconsultants hired or engaged by Recipient, provided that all such persons aresubject to a confidentiality agreement which shall be no less restrictive thanthe provisions of this Section; or (f) pursuant to the exceptions set forth in15 USC 6802(e) and accompanying regulations which disclosures are made in theordinary course of business. The restrictions set forth herein shall applyduring the term and after the termination of this Agreement.

Each Party must comply with all federal and state privacy laws. 
**SECTION 10.3 Disclosure to Employees and Agents.**
Each of the Parties, as Recipient, hereby agrees on behalf ofitself and its employees, officers, affiliates and subcontractors thatConfidential Information will not be disclosed or made available to any personfor any reason whatsoever, other than on a "need-to-know basis" and then onlyto: (a) its employees and officers; (b) subcontractors and other third-partiesspecifically permitted under this Agreement, provided that all such persons aresubject to a confidentiality agreement which shall be no less restrictive thanthe provisions of this Section; (c) independent contractors, agents, andconsultants hired or engaged by Bank, provided that all such persons are subjectto a confidentiality agreement which shall be no less restrictive than theprovisions of this Section; and (d) as required by law or as otherwise permittedby this Agreement, either during the term of this Agreement or after thetermination of this Agreement. Prior to any disclosure of ConfidentialInformation as required by law, the Recipient shall (i) notify the Discloser ofany, actual or threatened legal compulsion of disclosure, and any actual legalobligation of disclosure immediately upon becoming so obligated, and (ii)cooperate with the Discloser's reasonable, lawful efforts to resist, limit ordelay disclosure. Nothing in this Section shall require any notice or otheraction by Bank in connection with request or demands for ConfidentialInformation with request by bank examiners.
**SECTION 10.4 Return of Materials**
Upon the termination or expiration of this Agreement, or atany time upon the request of a Party, the other Party shall return allConfidential Information, including Customer Information, in the possession ofsuch Party or in the possession of any third Party over which such Party has ormay exercise control.
**SECTION 10.5 Exceptions**
With the exception of the obligations related to CustomerInformation, the obligations of confidentiality in this Section shall not applyto any information which a party rightfully has in its possession when disclosedto it by the other party, information which a party independently develops,information which is or becomes known to the public other than by breach of thisSection or information rightfully received by a party from a third party withoutthe obligation of confidentiality.

Client - BANKFIRST                                                                                           16

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**SECTION 10.6 Media Releases**
All media releases, public announcements and publicdisclosures by either party, or their representatives, employees or agents,relating to this Agreement or the name or logo of either Party, any Bankaffiliate or supplier, including, without limitation, promotional or marketingmaterial, but not including any disclosure required by legal, accounting orregulatory requirements beyond the reasonable control of the releasing party,shall be coordinated with and approved by the other party in writing prior tothe release thereof.
**ARTICLE XI - INSURANCE 

SECTION 11.1 Insurance**
Each party shall maintain, throughout the term of thisAgreement, appropriate comprehensive general liability insurance policies (whichshall include contractual liability), the limit of which shall be no less than acombined single limit of $1,000,000 per occurrence for bodily injury andproperty damage.
**ARTICLE XII - GENERAL PROVISIONS 

SECTION 12.1 Indemnification**
(a) Client covenants and agrees to indemnify and holdharmless Bank, its parent, subsidiaries or affiliates, and their respectiveofficers, directors, employees and permitted assigns, as such, against anydirect losses or expenses arising from any legal action, claim, demand orproceedings brought against any of them as a result of any misrepresentation,breach of warranty or failure to fulfill a covenant of this Agreement on thepart of Client, any act or omission of Client or its providers which violatesany law, by-laws or Governmental Requirements, or any claim relating toobligations owed to or by Client or any third party retained by it; provided,that this provision shall not apply if such claim arises out of (i) an act offraud, embezzlement or criminal activity by Bank, (ii) negligence, willfulmisconduct or bad faith by Bank, or (iii) the failure of Bank to comply with, orto perform its obligations under, this Agreement

(b) Bank covenants and agrees to indemnify and hold harmlessClient and its parent, subsidiaries or affiliates, and their respectiveofficers, directors, employees, and permitted assigns, as such, against anydirect losses or expenses arising from any legal action, claim, demand, orproceedings brought against any of them as a result of any misrepresentation,breach of warranty or failure to fulfill a covenant of this Agreement on thepart of Bank, any act or omission of Bank or its providers which violates anylaw, by-laws or Governmental Requirements, or any claim relating to obligationsowed to or by Bank or any third party retained by it (except to the extent thatClient has agreed to fulfill such obligation under this Agreement); provided,that this provision shall not apply if such claim arises out of (i) an act offraud, embezzlement or criminal activity by Client or its representatives, (ii)negligence, willful misconduct or bad faith by Client or its

Client - BANKFIRST                                                                                           17

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representatives, or (iii) the failure of Client or its representatives tocomply with, or to perform its obligations under, this Agreement.

(c) If any claim or demand is asserted against any party orparties (individually or collectively, the "Indemnified Party") by any personwho is not a party to this Agreement in respect of which the Indemnified Partymay be entitled to indemnification under the provisions of subsections (a) or(b) above, written notice of such claim or demand shall promptly be given to anyparty or parties (individually or collectively, the "Indemnifying Party") fromwhom indemnification may be sought. The Indemnifying Party shall have the right,by notifying the Indemnified Party within ten (10) days of its receipt of thenotice of the claim or demand, to assume the entire control (subject to theright of the Indemnified Party to Participate at the Indemnified Party's expenseand with counsel of the Indemnified Party's choice) of the defense, compromiseor settlement of the matter, including, at the Indemnifying Party's expense,employment of counsel of the Indemnifying Party's choice. If the IndemnifyingParty gives notice to any Indemnified Party that the Indemnifying Party willassume control of the defense, compromise or settlement of the mailer theIndemnifying Party will be deemed to have waived all defenses to the claims forindemnification by the Indemnified Party with respect to that matter. Anydamages to the assets or business of the Indemnified Party caused by a failureof the Indemnifying Party to defend, compromise or settle a claim or demand in areasonable and expeditious manner, after the indemnifying Party has given noticethat it will assume control of the defense, compromise or settlement of thematter, shall be included in the damages for which the Indemnifying Party shallbe obligated to indemnify the Indemnified Party.

(d) The provisions of this Section 12.1 and of Section 12.2 shall survivetermination or expiration of this Agreement.
**SECTION 12.2 Disclosure**
(a) Each party shall promptly notify the other of any action,suit, proceeding, facts and circumstances, and the threat of reasonable prospectof same, which might give rise to any indemnification hereunder or which mightmaterially and adversely affect either party's ability to perform thisAgreement.

(b) Each party represents and warrants to the other that ithas no knowledge of any pending or threatened suit, action, arbitration or otherproceedings of a legal, administrative or regulatory nature, or any governmentalinvestigation, against it or any of its affiliates or any officer, director, oremployee which has not been previously disclosed in writing and which wouldmaterially and adversely affect its financial condition, or its ability toperform this Agreement.
**SECTION 12.3 Legal Compliance**
Each party represents and warrants to the other that it is familiar with therequirements of all applicable consumer protection laws applicable to it whichrelate to the

Client - BANKFIRST                                                                                           18

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Program and its obligations hereunder, and agrees that itwill comply, in all material respects, with all such laws and regulations andall other applicable laws and regulations relating to its activities under thisAgreement, now and in the future.
**SECTION 12.4 Relationship of Parties**
Bank and Client agree they are independent contractors toeach other in performing their respective obligations hereunder. Nothing in thisAgreement or in the working relationship being established and developedhereunder shall be deemed, nor shall it cause, Bank and Client to be treated aspartners, joint ventures, or otherwise as joint associates for profit. 
**SECTION 12.5 Regulatory Examinations and Financial Information**
Client agrees to submit to any examination which may berequired by any Regulatory Authority with audit and examination authority overBank, to the fullest extent of such Regulatory Authority. Client shall alsoprovide to Bank any information, which may be required by any RegulatoryAuthority in connection with their audit or review of Bank or the Program andshall reasonably cooperate with such Regulatory Authority in connection with anyaudit or review of Bank. Client shall furnish Bank, at Client expense, withaudited financial statements prepared by a certified public accountant. Clientshall also provide such other information as Bank, Regulatory Authorities, orthe System may from time to time reasonably request with respect to thefinancial condition of Client and such other information as Bank may from timeto time reasonably request with respect to third parties contracted with Client.
**SECTION 12.6 Governing Law**
This Agreement shall be governed by the internal laws, andnot by the laws regarding conflicts of laws, of the State of South Dakota. EachParty hereby submits to the jurisdiction of the courts of such state, and waivesany objection to venue with respect to actions brought in such courts.
**SECTION 12.7 Severability**
In the event that any part of this Agreement is deemed by acourt, Regulatory Authority, or other public or private tribunal of competentjurisdiction to be invalid or unenforceable, such provision shall be deemed tohave been omitted from this Agreement. The remainder of this Agreement shallremain in full force and effect, and shall be modified to any extent necessaryto give such force and effect to the remaining provisions, but only to suchextent.
**SECTION 12.8 Survival**
All representations and warranties herein shall survive any		termination or

Client - BANKFIRST                                                                                           19

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expiration of this Agreement.
**SECTION 12.9 Successors and Third Parties**
Except as limited by Section 12.10, this Agreement and therights and obligations hereunder shall bind, and inure to the benefit of theparties and their successors and permitted assigns.
**SECTION 12.10 Assignments**
The rights and obligations of Client under this Agreement arepersonal and may not be assigned either voluntarily or by operation of law,without prior written consent from Bank.
**SECTION 12.11 Notices**
All notices, requests and approvals required by thisAgreement shall be in writing addressed/directed to the other party at theaddress and facsimile set forth below, or at such other address of which thenotifying party hereafter receives notice in conformity with this section. Allsuch notices, requests, and approvals shall be deemed given upon the earlier ofreceipt of facsimile transmission during the normal business day or actualreceipt thereof. All such notices, requests and approvals shall be addressed tothe attention of:

Bank to: BANKFIRST

2600 W. 49th Street

Sioux Falls, SD 57105 

Attention: General Counsel

Facsimile Number: (480) 308-5102

Client to:

NBO Systems, Inc.

3676 W. California Ave., Bldg.D	

Salt Lake City, UT 84104 

Attention: CEO

Facsimile Number: (801) 973-4188

Tax Identification Number: 55-0795927
**SECTION 12.12 Waivers**
Neither party shall be deemed to have waived any of itsrights, power, or remedies hereunder except in writing signed by an authorizedagent or representative of the party to be charged. Either party may, by aninstrument in writing, waive compliance by the other party with any term orprovision of this Agreement on the part of the other party to be performed orcomplied with. The waiver by either party of a breach of any term or provisionof this Agreement shall not be construed as a waiver of any subsequent breach.

Client - BANKFIRST                                                                                            20

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**SECTION 12.13 Entire Agreement; Amendments**
This Agreement constitutes the entire Agreement between theparties and supersedes all prior Agreements, understandings, and arrangements,oral or written, between the parties with respect to the subject matter hereof.This Agreement may not be modified or amended except by an instrument orinstruments in writing signed by the party against whom enforcement of any suchmodification or amendment is sought.
**SECTION 12.14 Counterparts**
This Agreement may be executed and delivered by the partiesin counterpart, each of which shall be deemed an original and both of whichtogether shall constitute one and the same instrument.
**SECTION 12.15 Disputes**
(a) Duty to Notify. In the event of any dispute, controversy,or claim arising out of or relating to this Agreement or the construction,interpretation, performance, breach, termination, enforceability or validitythereof (hereinafter, a "Dispute"), the party raising such Dispute shall notifythe other promptly and no later than sixty (60) days from the date of itsdiscovery of the Dispute. In the case of a Dispute relating to account ortransaction statements or similar matter, the failure of a party to notify theother party of such Dispute within sixty (60) days from the date of its receiptshall result in such matter being deemed undisputed and accepted by the partyattempting to raise such Dispute.

(b) Cooperation to Resolve Disputes. The parties shallcooperate and attempt in good faith to resolve any Dispute promptly bynegotiating between persons who have authority to settle the Dispute and who areat a higher level of management than the persons with direct responsibility foradministration and performance of the provisions or obligations of thisAgreement that are the subject of the Dispute.

(c) Arbitration. Any Dispute which cannot otherwise beresolved as provided in paragraph (b) above shall be resolved by arbitrationconducted in accordance with the commercial arbitration rules of the AmericanArbitration Association, and judgment upon the award rendered by the arbitraltribunal may be entered in any court having jurisdiction thereof. Thearbitration tribunal shall consist of a single arbitrator mutually agreed uponby the parties, or in the absence of such agreement within 30 days from thefirst referral of the dispute to the American Arbitration Association,designated by the American Arbitration Association. The place of arbitrationshall be Sioux Falls, South Dakota, unless the parties shall have agreed toanother location within 15 days from the first referral of the dispute to theAmerican Arbitration Association. The arbitral award shall be final and binding.The parties waive any right to appeal the arbitral award, to the extent a rightto appeal may be lawfully waived. Each party retains the right to seek judicialassistance: (i) to compel arbitration, (ii) to obtain interim measures ofprotection prior to or pending arbitration, (iii) to seek injunctive relief inthe courts of any jurisdiction as may be necessary and appropriate to protectthe unauthorized disclosure of its proprietary or

Client - BANKFIRST                                                                                            21

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confidential information, and (iv) to enforce any decision ofthe arbitrator, including the final award. In no event shall either party beentitled to punitive, exemplary or similar damages.

(d) Confidentiality of Proceedings. The arbitrationproceedings contemplated by this Section shall be as confidential and private aspermitted by law. To that end, the parties shall not disclose the existence,content or results of any proceedings conducted in accordance with this Section,and materials submitted in connection with such proceedings shall not beadmissible in any other proceeding, provided, however, that this confidentialityprovision shall not prevent a petition to vacate or enforce an arbitral award,and shall not bar disclosures required by any laws or regulations.
**SECTION 12.16 Limitation of Liability**
Neither Client, the Bank nor any of their respectivedirectors, officers, employees, agents, representatives or controlling personsshall be liable for any action taken or for refraining from taking any action ingood faith pursuant to this Agreement; provided, however, that this provisionshall not protect Client or Bank against any breach of their respectiverepresentations, warranties or covenants made herein, or against any specificliability imposed pursuant hereto, or against any liability which wouldotherwise be imposed by reason of willful misfeasance, bad faith or grossnegligence in the performance of duties or by reason of reckless disregard ofobligations or duties hereunder. Client and Bank may rely in good faith on anydocument, electronic file or other electronic or telephonic communication of anykind, which appears bona fide, submitted by any appropriate person respectingany matters arising hereunder.

IN WITNESS WHEREOF, this Agreement is executed by the parties' authorizedofficers or representatives and shall be effective as of the date first abovewritten.
**Client  **** BANKFIRST**		By: /s/ Christopher Foley   By: /s/ Brad Henson		Title: CFO   Title: SVP		3/19/04
 

Client - BANKFIRST                                                                                            22

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**Schedule A****BANKFIRST SERVICES AND FEES**Standard Service Items**Fee[*** * ****** * ****** * ****** * ****** * ****** * ****** * *** *** * ****** * ****** * ****** * ****** * ****** * ****** * ****** * ****** * ****** * ****** * ****** * ****** * ****** * ***]
 

Client - BANKFIRST                                                                                            24

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**Schedule B

ACH File Requirements and File Processing Schedule**
Bank Transmission Location

All file of Entries generated by Client must be transmitted to Bank.

Security Procedures

Bank requires the file of Entries being transmitted to complywith the industry standard security standards which at a minimum will be128-bit, triple DES (Data Encryption Standard).

File Process Timing

(a) The Client will provide the file(s) of Entries to the Bank at least oneday prior to the settlement date..

(b) The Bank operates under a "continuous balancing" mode which means theycan accept a file of Entries from Client ongoing.

(c) The Bank will transmit all approved files of Entries tothe Federal Reserve for immediate settlement at 11 AM. CST. Immediate settlementoccurs at 5 p.m. CST. Debit files transmitted after 11 AM CST will beautomatically settled the following day.

Client - BANKFIRST                                                                                            25

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