Exhibit 10.10

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.

| **ACH		ORIGINATION AGREEMENT
[Florida Bank,		N.A. Logo]**ODFI -		ORIGINATOR

(CORPORATE)
THIS AGREEMENT is made this 30th day of December, 2003, by and between NBO Systems Inc. DBA The Gift CertificateCompany ("Company" or "Originator") and Florida Bank, N.A. ("FinancialInstitution" or "ODFI").
**RECITALS**
A. Company has applied to ODFI to initiate ACH Entries("Entries") pursuant to an application submitted by the Company (the"Application"), in accordance with the terms of this Agreement, the laws of thestate of Florida, the laws of the United States of America, the rules of theNational Automated Clearing House Association ("NACHA"), (the "ACH Rules"), andapplicable state and federal regulations, and Financial Institution is willingto act as an Originating Depository Financial Institution ("ODFI") with respectto such entries.

B.****Unless otherwise defined herein, capitalized termsshall have the meanings provided in the ACH Rules. The term "Entries" shall havethe meaning provided in the ACH Rules and shall also mean the data received fromCompany hereunder from which ODFI prepares Entries.
**AGREEMENT**
1. Transmittal Of Entries By Company. Company shalltransmit Entries to ODFI in compliance with the formatting and otherrequirements set forth in Attachment 2, attached herein. The ODFI willtransmit the Entries initiated by Company into the ACH as provided in the ACHRules. The total amount of files sent by the Company shall not exceedestablished limits set forth by the ODFI Files will be monitored and fileamounts exceeding the established limits will not be processed without theapproval from authorized ODFI personnel.

2. Security Procedures.
(a) Company and ODFI shall comply with the security procedurerequirements described in Attachment 5, attached hereto, with respect toEntries transmitted by Company to ODFI. Company acknowledges that the purpose ofsuch security procedure is for verification of file authenticity and not todetect an error in the transmission or content of an Entry. No securityprocedure for the detection of any such error has been agreed upon between theODFI and Company.

(b) Unless otherwise approved by the bank, all ACHtransmittals must be submitted from the physical address of the company. Companywill maintain strict security over ACH software, related customer informationand other sensitive data, and will closely monitor authorized personnel who haveaccess to it. Company understands and agrees that it bears full responsibilityto maintain secure controls over access to ACH-related data and software.Company is strictly responsible for establishing and maintaining procedures tosafeguard against unauthorized transmissions. Company warrants that noindividual 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, as well as any passwords, codes,security devices and related instructions provided by the ODFI in connectionwith the security procedures described in Attachment 5. Company agrees toprovide ODFI a written list of employees who are authorized to process ACH filesand/or sign transmittal forms for the Company. (See Attachment 1) IfCompany believes or suspects that any such information or instructions have beenknown or accessed by unauthorized persons, Company agrees to notify ODFI byphone immediately, and follow up with a written confirmation. The occurrence ofunauthorized access will not affect any transfers made in good faith by ODFIprior to receipt of such notification and within a reasonable time period toprevent unauthorized transfers.

3. Compliance With Security Procedure,
(a) If an Entry (or a request for cancellation or amendmentof an Entry) received by ODFI purports to have been transmitted or authorized byCompany, it will be deemed effective as Company's Entry (or request) and Companyshall be obligated to pay ODFI the amount of such Entry even though the Entry(or request) was not authorized by Company, provided ODFI accepted the Entry ingood faith and acted in compliance with the security procedure referred to in Attachment 5 with respect to such Entry. If signature comparison is to beused as a part of that security procedure, ODFI shall be deemed to have compliedwith that part of such procedure if it compares the signature accompanying afile of Entries (or request for cancellation or amendment of an Entry) receivedwith the signature of an authorized representative of Company (an "AuthorizedRepresentative") and, on the basis of such comparison, believes the signatureaccompanying such file to be that of such authorized representative.

(b) If an Entry (or request for cancellation or amendment ofan Entry) received by ODFI was transmitted or authorized by Company, Companyshall pay ODFI the amount of the Entry, whether or not ODFI complied with thesecurity procedure referred to in Attachment 5 with respect to that Entryand whether or not that Entry was erroneous in any respect or that error wouldhave been detected if ODFI had complied with such procedure.

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4. Recording and Use of Communications. Company and ODFI agree thatall telephone conversations or data transmissions between them or their agentsmade in connection with this Agreement may be electronically recorded andretained by either party by use of any reasonable means.

5. Evidence of Authorization. Company shall obtain all consents andauthorizations required under the ACH Rules and shall retain such consents andauthorizations (or a reasonable facsimile of the original items) for two yearsafter the revocation or cessation of the authorization, and shall provide copiesof such authorizations if requested by ODFI to do so. Company acknowledges that,under ACH Rules, a debit returned as R07 (Authorization Revoked) or R10(Unauthorized) cannot be dishonored. (Note: For all entries except POP, TEL andSingle Entry WEB Entries, the authorization must provide that the Receiver mayrevoke the authorization only by notifying the Company in the manner specifiedin the authorization.) Company shall not initiate Debit Entries following thecancellation or revocation of the authorization by the Receiver.

6. Pre-notification. Company should send pre-notification(zero-dollar) entries six (6) business days prior to initiating the first live(dollar) Entry to a particular account. Such notice shall be provided to theODFI in the format and on the medium provided in the ACH Rules. Should theCompany receive notice that any such prenotification has been rejected by aReceiving Depository Financial Institution (RDFI), or that an RDFI will notreceive entries without having first received a copy of the writtenauthorization signed by it's customer (the Receiver), Company will initiate nofurther entries to the Receiver until such time as Company provides the RDFIwith such authorization. At such time, the Company may initiate entries, withinthe time Hunts provided in the ACH Rules.

7. Inconsistency of Name and Account Number. Companyacknowledges and agrees that, if an Entry describes the Receiver inconsistentlyby name and account number, payment of the Entry transmitted to the ReceivingDepository Financial Institution might be made by the Receiving DepositoryFinancial Institution (or by ODFI in the case of an On-us Entry) on the basis ofthe account number even if it identifies a person different from the namedReceiver, and that Company's obligation to pay the amount of the Entry to theODFI is not excused in such circumstances. It is therefore tie responsibility ofthe Company to verify that the individual signing the ACH debit or creditagreement is in fact entitled to use of the specified account.

8. Returns And Notifications of Change. The ODFI shallnotify the Company of any return or notification of orange entries received forthe Company no later than two (2) business days after the receipt of the item.This notification may be given by phone to an authorized representative of theCompany, or by fax or e-mail if requested by the Company. Except for an Entryretransmitted by Company in accordance with the requirements of Section 1, Transmittal of Entries By Company, ODFI shall have no obligation toretransmit a returned Entry to the ACH Operator if ODFI complied with the termsof this Agreement with respect to the original Entry.

(a) Upon receipt of return of items with a return reason codeof R07 (authorization revoked) or R10 (customer advises unauthorized), theCompany will cease transmission of said transactions until a new authorizationhas been signed by the consumer (R07-authorization revoked) or until correctionshave been made or an authorization has been obtained (R10-customer advisesunauthorized).

(b) Upon receipt of Notification Of Change (NOC) items, the Company must makethe correction within six (6) banking days, or before the next transaction,whichever is later.

9. Processing, Transmittal and Settlement By ODFI. 

(a) The Company will provide files in the agreed upon medium.Files not received in the specified format and medium may be rejected by theODFI. Each Entry or file shall be delivered to the ODFI in accordance to theprocessing schedule provided in this agreement (sec Attachment 3).

(b) Except as provided in Section 10, On-Us Entriesand Section 11, Rejection of Entries*.* ODFI shall (i) processEntries received from Company to conform with the file specifications set forthin the ACH Rules, (ii) transmit such Entries as an Originating DepositoryFinancial Institution to the ACH Operator, and (iii) settle for such Entries asprovided in the ACH Rules. Furthermore, Company agrees the ACH Operator shall bethe Federal Reserve Bank ("ACH Operator").

(c) ODFI shall transmit such Entries to the ACH Operator bythe deadline set forth in Attachment 3 either one business day or twobusiness days prior to the Effective Entry Date shown in such Entries, provided(1) such Entries are received by ODFI's related cut-off time set forth in Attachment 3 on a business day, (2) the Effective Entry Date is at least 1day after such business day, and (3) the ACH Operator is open for business onsuch business day. For purposes of this Agreement a "business" is a day on whichODFI is open to the public for carrying on substantially all of its business[other than a Saturday or Sunday), and Entries shall be deemed received by ODFI,in the case of transmittal by tape, when received by ODFI at the location setforth in Attachment 2, and in the case of transmittal by electronictransmission, when the transmission (and compliance with any related securityprocedure provided for herein) is completed as provided in Attachment 2.

(d) If any of the requirements of clause (i), (ii) or (iii)of Section 9 (b) is not met, ODFI shall use reasonable efforts to transmit suchEntries to the ACH Operator by the next deposit deadline of the ACH Operatorfollowing that specified in Attachment 3 which is a business day and aday on which the ACH Operator is open for business.

Date of Revision: 11/04/03

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10. On-Us Entries. Except as provided in Section 5, Evidence ofAuthorization, in the case of an Entry received for credit to an accountmaintained with ODFI (an -On-us Entry"), ODFI shall credit theReceiver's account in the amount of such Entry on the Effective Entry Datecontained in such Entry, provided the requirements set forth in clause (i) and(ii) of Section 9(b) are met. If either of those requirements is not met, ODFIshall use reasonable efforts to credit the Receiver's account on the nextbusiness day following such Effective Entry Date.

11. Rejection of Entries. ODFI shall reject any Entrywhich does not comply with the requirements of Section 1, Transmittal ofEntries or Section 2, Security Procedures, or which contains anEffective Entry Date more than 2 days after the business day such Entry isreceived by ODFI. ODFI shall have the right to reject an On-us Entry for anyreason for which an Entry may be returned under the ACH Rules. ODFI shall havethe right to reject any Entry if Company has failed to comply with its accountbalance obligations under Section 16, The Account. ODFI may reject anyentry if Company does not adhere to security procedures as described in Attachment 5. ODFI shall notify Company by phone, fax or electronictransmission of such rejection no later than the business day such Entry wouldotherwise have been transmitted by ODFI to the ACH Operator, or in the case ofan On-us Entry, its Effective Entry Date. Notices of rejection shall beeffective when given. ODFI shall have no liability to Company by reason of therejection of any such Entry or the fact that such notice is not given at anearlier time than that provided for herein.

12. Cancellations or By Company. Company shall have noright to cancel or amend any Entry after its receipt by ODFI. However, ODFIshall use reasonable efforts to at on a request by Company for cancellation ofan Entry prior to transmitting it to the ACH Operator, or in the case of anOn-us Entry, prior to crediting a Receiver's account, but shall have noliability if such cancellation is not effected. Company shall reimburse ODFI forany expenses, losses or damages ODFI may incur in effecting or attempting toeffect Company's request for the reversal of an entry.

(a) Errors. If the Company discovers that any Entry ithas initiated was made in error, it must notify the ODFI of the error within 24hours. In such a case, the ODFI will utilize its best efforts to initiate anadjusting Entry or stop processing of any "On-Us" Entry. Should the ODFI beunable to stop the Entry from posting, or if it is too late to withdraw the itemfrom the ACH Operator, the Company may initiate a reversal file to correct theEntry, as provided for and abiding by the ACH Rules.

(b) Rejected Entries. In the event that any entriesare rejected by the ACH Operator for any reason, it shall be the responsibilityof the Company to remake such entries. Should the file be rejected due to anerror caused by the ODFI, the ODFI shall be responsible to remake the file. Insuch a case, the Company will supply sufficient information, upon request, toallow the ODFI to recreate the entries for up to five (5) business days aftermidnight of the settlement date.

(c) Reversals. Should a reversal be created for anindividual Entry or entries, as opposed to a complete file reversal, theReceiver(s) of the entries must be notified of the reversal no later than thesettlement date of the reversing Entry. Should a reversal be created for acomplete file reversal, the Company must advise the ODFI within five (5)business days of settlement in accordance with ACH Rules. ODFI shall bear noresponsibility for failure of Company to retrieve Entries transmitted to the ACHOperator.

13. Data Retention. Company shall retain data on file adequate topermit remaking of Entries for 30 days following the date of their transmittalby ODFI as provided here, and shall provide such Data to ODFI upon its request.

(a) Retention of Authorization: ACH Rules require thatthe signed or similarly authenticated authorization must be retained by theOriginator for a period of two years following the termination or revocation ofthe authorization. In the case of a paper authorization that has been signed bythe consumer, the Originator must retain either the original or amicrofilm-equivalent copy of the signed authorization. In the case of anauthentication made via telephone, the Internet, or other on-line network, theOriginator must retain a copy of the authorization and a recorded record of theauthentication. For TEL entries, the Originator must retain a copy of the taperecorded authorization or a copy of the written notice confirming theauthorization for a period of two years from the date of the authorization.Authorization may be retained as an electronic record that (1) accuratelyreflects the information in the record, and (2) is capable of being accuratelyreproduced for late reference, whether by transmission, printing, or otherwise.

(b) Destruction of Data: Originator will destroy, in amanner rendering data unreadable, all material containing confidential accountinformation after it has been retained for a period specified by all applicablerules and regulations specified in this Agreement.

14. Payment by Company for Entries / Pre-Funding. Company will provideimmediately available funds to offset any credit entries originated by it notlater than Settlement Date, unless pre-funding is required by Attachment 11.

(a) Unless otherwise noted herein, Company shall receiveimmediately available funds for any electronic debit entries initiated by it notlater than the settlement date of the items. Provisions may be made for holdingaccounts to be maintained for posting of any return debit items received, asstated in this agreement and abiding by the ACH Rules.

(b) Company will promptly provide immediately available findsto indemnify the ODFI if any debit items are rejected after the ODFI haspermitted the Company to withdraw immediately available funds, should finds notbe available in the Company's accounts to cover the amount of the rejecteditems.

15. Payment for Services. Company shall pay ODFI thecharges for the services provided in connection with this Agreement, as setforth in Attachment 4, attached hereto. All fees and services are subjectto change upon 60 calender days prior written notice from ODFI to Company. Suchcharges do not include, and Company shall be responsible for payment of anysales, use, excise, value added, utility

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other similar taxes relating to the services provided for herein, and anyfees or charges provided for in the agreement between ODFI and Company withrespect to the Account (the "Account Agreement").

16. The Account. ODFI may, without prior notice ordemand, obtain payment of any amount due and payable to it under the Agreementby debiting the account(s) of Company identified in Attachment 6 (the"Account") attached hereto, and shall credit the Account for any amount receivedby ODFI by reason of the return of an Entry transmitted by ODFI for which ODFIhas previously received payment from Company. Such credit shall be made as ofthe day of such receipt by ODFI. Company shall at all times maintain a balanceof available finds in the Account sufficient to cover its payment obligationsunder this Agreement. In the event there are not sufficient available finds inthe Account to cover Company's obligations under this Agreement, Company agreesthat ODFI may debit any account maintained by Company with ODFI or any affiliateof ODFI or that ODFI may set off against any amount it owes to Company, in orderto obtain payment of Company's obligations under the Agreement.

17. Reserve Account. If ODFI requires Originator tomaintain a reserve account, that account shall be a non-interest bearing accountmaintained in the name of the ODFI. Such funds may be used to pay ODFI in theevent Originator fail to settle, or to reimburse ODFI for any expenses relatedto such failure. Reserve amount may be amended by ODFI from time to time. ODFImay deposit into the Reserve Account finds it would be otherwise obligated topay Originator, for the purpose of establishing, maintaining, or increasing theReserve Account in accordance with this section, if it deteremines such actionis reasonably necessary to protect its interests.

18. Account Monitoring. ODFI will monitor Originator'sdaily deposit, chargeback and settlement activity. Originator agrees that ODFImay, upon reasonable grounds, divert the disbursement of Originator's funds forany reasonable period of time required to investigate suspicious or unusualdeposit activity. ODFI will make good faith efforts to notify Originatorimmediately. ODFI shall have no liability for any losses, either direct orindirect, which Originator may attribute to any diversion of funds disbursed.Any finds diverted shall be deposited immediately into a non-interest bearingaccount and not be released until such time that questionable/suspect/fraudulenttransactions or activity have been resolved to ODFI's satisfaction.

19. Account Reconciliation. Entries transmitted byODFI or credited to a Receiver's account maintained with ODFI will be reflectedon Company's periodic statement Company agrees to notify ODFI promptly of anydiscrepancy between Company's records and the information shown on any suchperiodic statement issued by ODFI with respect to the Account pursuant to theagreement between ODFI and Company. If Company fails to notify ODFI within 30days of receipt of a periodic statement, Company agrees that ODFI shall not beliable for any other losses resulting from Company's failure to give such noticeor any loss of interest or any interest equivalent with respect to an Entryshown on such periodic statement. If Company fails to ratify ODFI of any suchdiscrepancy within 30 days of receipt of such periodic statement; Company shallbe precluded from asserting such discrepancy against ODFI.

20. Company Representations And Agreements. With respect to each andevery Entry initiated by Company, Company represents and warrants to ODFI andagrees that:

(a) each person shown as the Receiver on an Entry received by ODFI fromCompany has authorized the initiation of such Entry and the crediting of itsaccount in the amount and on the Effective Entry Date shown on such Entry,

(b) such authorization is operative at the time of transmittal or creditingby ODFI as provided herein,

(c) Entries transmitted to ODFI by Company are limited to those types ofEntries set forth in Section 1, Transmittal of Entries by Company,
(d) Company shall perform its obligations under this Agreement in accordancewith all applicable laws and regulations, including the sanctions lawsadministered by OFAC,

(e) Company shall be bound by and comply with the ACH Rules**as in effect from time to time, including, without limitation, the provisionmaking payment of an Entry by the Receiving Depository Financial Institution tothe Receiver provisional until receipt by the Receiving Depository FinancialInstitution of final settlement for such Entry, and

(f) that the information contained in the ACH Application is true andcorrect.

Company specifically acknowledges that it has received noticeof the Rule regarding provisional payment and of the fact that, if suchsettlement is not received, the Receiving Depository Financial Institution shallbe entitled to a refund from the Receiver of the amount credited and Companyshall not be deemed to have paid the Receiver the amount of the Entry. Companyshall indemnify ODFI against any loss, liability or expense (includingattorney's fees and expenses) resulting from or arising out of any breach of anyof the foregoing representations or agreements.

21. Amendments. From time to time ODFI may amend anyof the terms and conditions contained in this Agreement, including withoutlimitation, any cut-off time, any business day, and any part of the Attachmentsattached hereto. Such amendments shall become effective upon receipt of noticeby Company or such later date as may be stated in ODFI's notice to Company.

22. Notices, Instructions, Etc.,

(a) Except as otherwise expressly provided herein, ODFI shall not be requiredto act upon any notice or instruction received from Company or any other person,or to provide any notice or advice to Company or any other person with respectto any matter.

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(b) ODFI shall be entitled to rely on any written notice orother written communication believed by it in good faith to be genuine and tohave been signed by an Authorized Representative, and any such communicationshall be deemed to have been signed by such person. The names and signatures ofAuthorized Representatives are set forth in Attachment l, attachedhereto. Company may add or delete any Authorized Representative by writtennotice to ODFI signed by at least one Authorized Representative other than thatbeing added or deleted. Such notice shall be effective on the second businessday following the day of ODFI's receipt thereof.

(c) Except as otherwise expressly provided herein, anywritten notice or other written communication required by or permitted to begiven under this Agreement shall be delivered, or sent by United Statesregistered or certified mail, postage prepaid, or by express carrier, and if toODFI, addressed to:

FLORIDA BANK, N.A.

P.O. BOX 25937

TAMPA FL 33622-5937

ATTN: Linda L. Walker
OR
FLORIDA BANK, N.A.

6301 BENJAMIN ROAD, SUITE 105

TAMPA FL 33634

ATTN: Linda L. Walker
and, if to Company, addressed to:

NBO Systems Inc.                                                
3676 W. California Avenue, Bldg. D                     
Salt Lake City UT 84104                                       
unless another address is substituted by notice delivered or sent as providedherein. Except as otherwise expressly provided herein, any such notice shall bedeemed given when received.

21. Termination. This agreement may be terminated byCompany upon 90 days written notice, or by ODFI upon 30 days written notice orearlier as a result of suspected fraud or any violation of the terms andconditions of this agreement or by any legal or regulatory action by anyregulatory agency which governs or supervises ODFI or by notice of bankruptcy orinsolvency by either party. Any termination of this Agreement shall not affectany of ODFI's rights and Company's obligations with respect to Entries initiatedby Company prior to such termination, or the payment obligations of Company withrespect to services performed by ODFI prior to termination, or any otherobligations that survive termination of this Agreement.

22. ODFI Responsibilities: Liability; Limitations On Liability; Indemnity.
(a) In the performance of the services required by thisAgreement, ODFI shall be entitled to rely solely on the information,representations, and warranties provided by Company pursuant to this Agreement,and shall not be responsible for the accuracy or completeness thereof. ODFIshall be responsible only for performing the services expressly provided for inthis Agreement, and shall be liable only for its negligence or willfulmisconduct in performing those services. ODFI shall not be responsible forCompany's acts or omissions (including without limitation the amount, accuracy,timeliness of transmittal or authorization of any Entry received from Company)or those of any other person, including without limitation any Federal ReserveBank, Automated Clearing House or transmission or communications****facility, any Receiver or Receiving Depository Financial Institution (includingwithout limitation the return of an Entry by such Receiver or ReceivingDepository Financial Institution, and no such person shall be deemed ODFI'sagent. Company agrees to indemnify ODFI against any loss, liability or expense(including attorneys' fees and expenses) resulting from or arising out of anyclaim of any person that the ODFI is responsible for any act or omission ofCompany or any other person described in this Section 22(a).

(b) ODFI shall be liable only for Company's actual damages;in no event shall ODFI be liable for any consequential, special, incidental,punitive or indirect loss or damage which Company may incur or suffer inconnection with this Agreement, whether or not the likelihood of such damageswas known or contemplated by the ODFI and regardless of the legal or equitabletheory of liability which Company may assert, including, without limitation,loss or damage from subsequent wrongful dishonor resulting from ODFI's acts oromissions pursuant to this Agreement.

(c) Without limiting the generality of the foregoingprovisions, ODFI shall be excused from failing to act or delay in acting if suchfailure or delay is caused by legal constraint, interruption of transmission orcommunication facilities, equipment failure, war, emergency conditions or othercircumstances beyond ODFI's control. In addition, ODFI shall be excused fromfailing to transmit or delay in transmitting an Entry if such transmittal wouldresult in ODFI's having exceeded any limitation upon its infra-day net fundsposition established pursuant to present or future Federal Reserve guidelines orin ODFI's reasonable judgment otherwise violating any provision of any presentor future risk control program of the Federal Reserve or any rule or regulationof any other U.S. governmental regulatory authority.

(d) Subject to the foregoing limitations, ODFI's liabilityfor loss of interest resulting from its error or delay shall be calculated byusing a rate equal to the average Federal Funds rate at the Federal Reserve Bankof New York for the period involved. At ODFI's option, payment of such interestmay be made by crediting the Account resulting from or arising out of any claimof any person that ODFI is responsible for any act or omission of Company or anyother person described in Section 22(a).

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23. Acknowledgements. Originators of CCD or CTX credit entries mayrequest an acknowledgement entry be transmitted by the RDFI by placing "AK"within the Discretionary Data field of the CCD or CTX entry for whichacknowledgement is desired. In order for the Originated to receive the requestedacknowledgement, both the ODFI and the RDFI of the entry must support theappropriate acknowledgement formats.

24. Records. All Entries, security procedures and related records usedby ODFI for transactions contemplated by this Agreement shall be and remainODFI's property. ODFI may, at its sole discretion, make available suchinformation upon Company's request. Any expenses incurred by ODFI in making suchinformation available to Company shall be paid by Company.

25. Prohibited Transactions. Company agrees that it will only initiateEntries for Standard Entry Class (SEC) Codes for which it has been specificallyapproved by ODFI. ODFI will not approve a company that is on its non-eligibilitylist. That list includes companies whose primary business is: telemarketing,internet sales, gambling, adult entertainment, payday advance/check cashing,international sales, prepaid credit cards/ credit repair, discount membershipsales, and others that may be added to the list from time to time. If Companyinitiates prohibited transactions, that will be cause for termination.

26. Third Party Service Provider. Company agrees that it will notutilize another third party service provider to originate or process ACHtransactions without the express written approval of ODFI.

27. Regulation E. Company understands and agrees to comply with therequirements of Regulation E (including consumer error resolution procedures)and will otherwise perform its obligations in accordance with the rules andregulations adopted by NACHA and all applicable laws and regulations.

28. Authority. Each party of the agreement herebyrepresents and warrants to the others that it has the full right, power, andauthority to enter into and to perform this agreement with all of the terms,provisions, covenants and conditions hereof, and that the execution and deliveryof this agreement has been duly authorized by proper corporate action.

29. Governing Law. This Agreement shall be construed in accordancewith and governed by the laws of the State of Florida.

30. Binding Agreement; Benefit. This Agreement shall be binding uponand inure to the benefit of the parties hereto and their respective legalrepresentatives, successors and assigns. This Agreement is not for the benefitof any other pawn, and no other person shall have any right against ODFI orCompany hereunder.

31. Cooperation in Loss Recovery Efforts. In the event of any damagesfor which ODFI or Company may be liable to each other or to a third partypursuant to the services provided under this Agreement, ODFI and Company willundertake reasonable efforts to cooperate with each other, as permitted byapplicable law, in performing loss recovery efforts and in connection with anyactions that the relevant party may be obligated to defend or elects to pursueagainst a third party.

32. Headings. Headings are used for reference purposes only and shallnot be deemed a part of this Agreement.

33. Entire Agreement. This Agreement (including the Attachmentsattached hereto), together with the ACH Application, Approval Letter and theAccount Agreement, is the complete and exclusive statement of the agreementbetween ODFI and Company with respect to the subject matter hereof andsupersedes any prior agreement(s) between ODFI and Company with respect to suchsubject matter. In the event of any inconsistency between the terms of thisAgreement and the Account Agreement, the terms of this Agreement shall govern.In the event performance of the services provided herein in accordance with theterms of this Agreement would result in a violation of any present or futurestatute, regulation or government policy to which ODFI is subject, and whichgoverns or affects the transactions contemplated by this Agreement, then thisAgreement shall be deemed amended to the extent necessary to comply with suchstatute, regulation or policy, and ODFI shall incur no liability to Company as aresult of such violation or amendment. No course of dealing between ODFI andCompany will constitute a modification of this Agreement, the ACH Rules, or thesecurity procedures or constitute an agreement between the ODFI and Companyregardless of whatever practices and procedures ODFI and Company may use.

34. Non-Assignment. Company may not assign this Agreement or any ofthe rights or duties hereunder to any person without ODFI's prior writtenconsent.

35. Waiver. ODFI may waive enforcement of any provision of thisAgreement. Any such waiver shall not affect ODFI's rights with respect to anyother transaction or modify the terms of this Agreement.

36. Waiver of Jury Trial. ODFI and Company knowingly and voluntarilyWAIVE THE RIGHT TO TRIAL BY JURY in connection with any dispute arising underthe Agreement.

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37. Severability. In the event that any provision of this Agreementshall be determined to be invalid, illegal or unenforceable to any extent, theremainder of this Agreement shall not be impaired or otherwise affected andshall continue to be valid and enforceable to the fullest extent permitted bylaw.

IN WITNESS WHEREOF the parties hereto have caused this Agreement to beexecuted by their duly authorized officers.

/s/ Keith Jasperson
Company Signature  		
 ODFI Signature  
/s/ Kent Jasperson  		
 Linda L. Walker, AAP
Name   
 Name  
Sec./Treas. 12-24-03  		
 AVP/ACH Manager
Title / Date   
 Title / Date
Date of Revision: 11/04/03

[Florida Bank, N.A. Logo]
**ODFI-Originator AgreementInstruction for Attachments

Attachment 1: ACH Authorized Signature Form (Please Complete)**
This Attachment is similar to a bank account "signature card" in that itindicates the Company Representatives authorized to present ACH files forprocessing or to communicate with Florida Bank about those files, along withtheir signatures. Please complete Attachment 1 by designating thosepersons you wish to (1) transmit ACH files, (2) sign fax transmittals, and/or(3) communicate with Florida Bank about your company's ACH activity. (Note: youmay wish to copy this blank form on company letterhead and send us a revisionwhenever you have a change in authorized persons.)
**Attachment 2: ACH Transmittal Register (Provide a copy to your ACH Staff)**
This Attachment gives valuable information about formatting and transmittingACH files and shows a sample of the new Transmittal Register form. (A blank copyof the full-size form is included in your package; please copy it onto yourcompany letterhead and use that as your Fax Transmittal for future files.)
**Attachment 3: ACH Processing Schedule (Provide a copy to your ACH Staff)**
This Attachment shows our current Processing Schedule. Please note the hoursand give a copy to your ACH staff should define the Attachment of deadlines byhour and day that files should be presented for processing.
**Attachment 4: Fee Schedule (Please review carefully)**
Please review this Attachment to verify that it accurately reflects yourcurrent pricing structure.
**Attachment 5: Security Procedures (Please review carefully)**
This Attachment is the Security Procedure that will be used when your companydelivers an ACH file to us. This is a very important document. Please verifythat it agrees with your current procedure and give a copy of this form to yourACH staff for reference.
**Attachment 6: The Account (Please review carefully)**
This Attachment identifies the Company Account(s) to whichsettlement should be applied for Origination of Entries or settlement ofreturned entries. In the case of Cash Concentration applications, thisAttachment may clearly define the accounts to be swept, the frequency ofscheduled transfers or other information specific to the activity of theaccounts. Please verify that it is correctly completed before signing theAttachment.
**Attachment 7: Agreement to Provide Insurance (Please review carefully)**
This Attachment identifies any special requirements that mayexist between your company and Florida Bank, such as reserve accounts, suretybonds, employee dishonesty insurance, etc. Please review it carefully as it mayindicate outstanding items that need to be returned with the Agreement.
**Attachment 8: ACH Application Form (Already completed)**
This Attachment is a sample of the Application for ACH Processing whichCompany has completed for ODFI.
**Attachment 9: ACH Transmittal Schedule (Please complete)**
This Attachment is a sample of the transmittal schedule(calendar) which Company will provide annually to ODFI so that ODFI will knowwhen files are expected. This is the 2004 Transmittal Schedule - a calendarwhich we would like you to complete as best you can, indicating how many fileswe should expect from your company on any given day in 2004. Holidays andweekends have been blocked out. For example, if the only ACH file you send isyour payroll file sent two days in advance with an effective entry date of the15th or 30th, then you would enter "1" on the 13th and 28th of each month(except February, of course).
**Attachment 10: FRB Holiday Schedule (Please provide a copy to your ACH Staff)**
This Attachment is the Federal Reserve Bank's holiday schedule which showsthe days the Fed (and Florida Bank) will be closed in 2004. Please give a copyto your ACH staff for reference.
**Attachment 11: RCK Agreement (If applicable, please review carefully andprovide a copy to your ACH Staff) This Attachment identifies NACHArequirements for a Company originating RCK (Re-presented Check) Entries.
**Attachment 12: POP Agreement (If applicable, please review carefully andprovide a copy to your ACH Staff) This Attachment identifies NACHArequirements for a Company originating Point-Of-Purchase Entries.

TEL: 813.887.3388

P.O. Box 25937

TAMPA. FLORIDA 33622-5937

 

MEMBER FDIC

 
**Attachment 13: WEB Agreement (If applicable, please review carefully andprovide a copy to your ACH Staff) This Attachment identifies NACHArequirements for a Company originating Internet-Authorized Entries.
**Attachment 14: ARC Agreement (If applicable, please review carefully andprovide a copy to your ACA Staff) This Attachment identifies NACHArequirements for a Company originating Accounts Receivable/Lockbox Entries.
**Attachment 15: TEL Agreement (If applicable, please review carefully andprovide a copy to your ACH Staff) This Attachment identifies NACHArequirements for a Company originating Telephone-Authorized (TEL) Entries.
**Attachment 16: Pro-Funding Agreement (if applicable, please review carefully)**
This Attachment will be executed when ODFI requires the Company to pre-fundCredit Files prior to ODFI transmitting them to the Federal Reserve Bank.

[Florida Bank, N.A. Logo]
**Florida Bank, N.A.

6301 Benjamin Road,Suite 105

Tampa FL 33634

ODFI-Originator Agreement

Attachment 1: ACH AuthorizedSignature Form (Please Complete)**
All ACH transaction files must be delivered to Florida Bank with a faxedtransmittal document (see Attachment 2) with authorized signature(s) as shownbelow.
**Date: December 17, 2003  **** Company Name: NBO Systems Inc.                        **
The signatures below are the signatures of employees vestedby our Board of Directors (or other similar governing body), who have fullauthority to (1) transmit ACH files, (2) sign transmittal registers to be usedin conjunction with the submission of ACH flies, and/or (3) communicate with ACHDepartment about company transmittals (i.e., give or receive informationinformation about ACH files or returns).

The number of signatures that are required to submit a file for processingshall be:  1 **Printed Name**Email Address**Authorization Granted:1=Transmit files		2=Sign transmittal documents		3=Communicate w/ACH Dept**Signature		Kent Jasperson		kjasperson@nbo.com		1, 2, 3		/s/ Kent Jasperson		Frank Fluckiger		ffluckiger@nbo.com		1, 3		/s/ Frank Fluckiger		Matt Evans		mevans@nbo.com		1,3 		/s/ Matt Evans                    
The responsibility for ensuring that all daily ACH processing is transmittedtimely and accurately rests with the authorized personnel. Any changes toauthorized signers must be requested on company letterhead and signed by acurrent authorized signer. Such changes will not be implemented until FloridaBank receives the original signed document, mailed to the address shown above.

**Authorized Signature:**/s/Kent Jasperson
**Title:**  Sect/Trea         
**Date:**Dec. 17, 2003     
Florida Bank, N.A.

Approved and accepted by: ___
**Florida Bank, N.A.

6301 Benjamin Road,Suite 105

Tampa FL 33634

ODFI-Originator Agreement

Attachment 2: ACH TransmittalRegister (Retain Copy for Reference)**
The ACH Transmittal Register form shown below should beprinted on Company letterhead and faxed for every file delivery. (The Bank willprovide a form for replication purposes.) All file transmissions are required tobe in NACHA format. Florida Bank can provide software if needed. Florida Banksupplies software that secures the file to be processed over the Internet. IfCompany does not have access to the Internet, files can be transmitted over asecured modem line. The following numbers are for modem lines:

Modem number		for software provided by Bank:   
 (813)		889-3116
Modem number		for Company with own Ach software   
 (813)		889-3115
The Florida Bank ACH processing center is located at 6301Benjamin Road, Suite 105, Tampa FL 33634. In case of a disaster, Florida Bankhas established a backup facility at Florida Bank, N.A., 2437 SE 17thStreet, Unit 101, Ocala Florida 34471. The Modem number for that location is(352) 629-2861.

[Florida Bank, N.A. Logo]
ACH		TRANSMITTAL

REGISTER

(813) 886-8421**To be		completed and returned with each file of ACH transactions to be		processed.
Company Name:
Company ID#:
File Name or File Number:
ACH Application / SEC Code(s):
Processing Date:
Effective Entry Date:
Delivery Mode:		Internet _______ Modem ______
Total Item Count:
File Total $ Amount:
Date/Time Transmitted
Debit Item Count:
Debit $ Amount: 
Credit Item Count:
Credit $ Amount: 
Authorized Signature:
Date:
		*****************************FOR BANK USE		ONLY*******************************TASK**TIME COMPLETED**EMPLOYEE INITIALS
File entered into Fedline Log  
File sent to the Federal		Reserve  
Confirmation received from		Fed  
Fed totals compared to		Transmittal totals  
Confirmation faxed to Company  
 

Florida Bank, N.A.  		
 Company (Originator):
Approved and accepted by:		______   
 Approved and accepted		by /s/ KJ
 
**Florida Bank, N.A.

6301 Benjamin Road,Suite 105

Tampa FL 33634

ODFI-Originator Agreement

Attachment 3: ACH Processing Schedule(Retain Copy for Reference)

ODFI Processing Schedule**
Note- The following schedule is for the use of the Company(Originator) to determine deadlines for sending origination files to the ODFI.Files received after these deadlines *may*not be guaranteed delivery tothe ACH Operator for next-day settlement Originator is responsible for thetimely delivery of ACH files to the ODFI to meet desired settlement dates.
**Returns****Credits-one day****Credits-two day****Debits**		Must be received not later than 10:00 a.m. (ET) one banking day		prior to intended settlement date		Must be received by the ODFI not later than 12:00 NOON (ET) one		banking day prior to intended settlement date		Must be received by the ODFI not later than 3:30 p.m. (ET) two		banking days prior to intended settlement date		Must be received not later than 3:30 p.m. (ET) one banking day		prior to intended settlement date
ET=Eastern Time

Note to Originators:
- Credit Entries may not be sent earlier than two days before intended	settlement date.
- Debit Entries may not be sent earlier than one day before the intended	settlement date.
Evening Processing Window:
 Florida Bank operates an evening	processing window on banking days that is open until 6:30 p.m. (ET) to	accommodate ACH clients located in other time zones. If Company will be	transmitting files for ACH clients located in multiple time zones, Company	should transmit two or more files as follows:
- For your clients located in the Eastern or Central Time Zones  -		files should be received at Florida Bank by or before 3:30 p.m. ET		(except for credit entries sent one day in advance, which should be		received by 12:00 noon), and
For your clients located in the Mountain or Pacific Time Zones
 -		files should be received at Florida Bank by or before 6:30 p m. ET.		(That would be 4:30 p.m. Mountain Time or 3:30 p.m. Pacific Time).

By using the appropriate processing window, it will allow Florida		Bank sufficient time to process files in a timely manner to meet their		desired settlement date.
** 

Florida Bank, N.A.  		
 Company (Originator):
Approved and accepted by:		______   
 Approved and accepted		by /s/ KJ
 

Florida Bank, N.A.

6301 Benjamin Road,Suite 105

Tampa FL 33634

ODFI-Originator Agreement

Attachment 4: Fee Schedule (Pleasecomplete)

Deposit services and other fees, such as research or statement copies, willbe charged according to Florida Bank's established service charge schedule. ACHfees will be charged every Monday for the previous week x OR the first week ofeach month for the previous month R (choose weekly or monthly).
**One Time Fees:**  **[* * *]****[* * *]** **[* * *]****[* * *]** **[* * *]****[* * *]** **Monthly Fees:**  **[* * *]****[* * *]** **[* * *]****[* * *]**(per file)**[* * *]****[* * *]** **[* * *]****[* * *]** **[* * *]****[* * *]** **[* * *]****[* * *]** **[* * *]****[* * *]** **[* * *]****[* * *]** **[* * *]****[* * *]** **[* * *]****[* * *]** 
Note: Fees may be changed upon 60 days' prior notice delivered to Companyat the address of record. 

OTHER ACH-RELATED FEES AND COSTS:

Any additional special programming fees or charges will be billed to Companyas received. Request for special programming or services will be reviewed andapproved by Florida Bank, N.A. and Company prior to submission to vendor fordevelopment.

 

Florida Bank, N.A.  		
 Company (Originator):
Approved and accepted by:		______   
 Approved and accepted		by /s/ KJ
 
**Florida Bank, N.A.

6301 Benjamin Road,Suite 105

Tampa FL 33634

ODFI-Originator Agreement

Attachment 9: ACH TransmittalSchedule (Retain Copy for Reference)
**FLORIDA BANK, N.A.ACH TRANSMITTAL SCHEDULE

FOR ORIGINATOR ____________

YEAR    2004   
Day
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec		1		2		3		4		5		6		7		8		9		10		11		12		13		14		15		16		17		18		19		20		21		22		23		24		25		26		27		28		29		30		31
 
**LEGEND:**    Sat/Sun   Holiday   Short		month** 

Florida Bank, N.A.  		
 Company (Originator):
Approved and accepted by:		______   
 Approved and accepted		by /s/ KJ
 

Florida Bank, N.A.

6301 Benjamin Road,Suite 105

Tampa FL 33634

ODFI-Originator Agreement

Attachment 10: FRB Holiday Schedule(Retain Copy for Reference)

FEDERAL RESERVE BANK HOLIDAY SCHEDULE    		Standard Federal Reserve Holidays		2003		2004		2005New		Years DayJan		1Jan		1Jan		1		Martin Luther King, Jr. DayJan		20Jan		19Jan		17		Presidents' DayFeb		17Feb		16Feb		21		Memorial DayMay		26May		31May		30		Independence Day		July 4		July 5		July 4		Labor Day		Sept 1		Sept 6		Sept 5		Columbus DayOct		13Oct		11Oct		10		Veterans' DayNov		11Nov		11Nov		11		Thanksgiving DayNov		27Nov		25Nov		24		Christmas DayDec		25Dec		25Dec		26
*For holidays falling on Saturday, Federal Reserve Banks and branches will beopen the preceding Friday. For holidays falling on Sunday, all Federal Reserveoffices will be dosed the following Monday.

The Federal Reserve Bank and/or your institution will be closed on thesedates. Please keep in mind that ACH files cannot be delivered to yourinstitution on these dates, and transactions with effective dates on theseholidays will have settlement deferred until the business day after the holiday.To ensure that your transactions are received and posted to your customers'accounts in a timely manner, it is necessary that the financial institutionreceive the files as follows:

If the normal effective date falls on a holiday date, the effective dayshould be changed to the business day immediately prior to the holiday forcredits and immediately after the holiday for debits*, and transmittals shouldbe adjusted accordingly (debits one day prior, credits one to two days prior tonew effective date).

Example: If a credit file normally would post on Monday, the new effectivedate should be changed to the previous Friday and the files should betransmitted to the ODFI Wednesday or Thursday.

If a debit file normally would post on a Friday, and Friday is a holiday, theeffective date should be changed to the following Monday*. The file should stillbe sent to the ODFI on Thursday.

*Unless otherwise specified in the authorization signed by the customer,debits cannot be posted prior to the agreed upon date.

For more information about the Federal Reserve Bank's processing schedule,see Appendix B of Federal Reserve Bank's Operating Circular No. 4, dated May 18,2003 or go to http://www.frbservices.org/HomePage/Holidays.cfm.
 

Florida Bank, N.A.  		
 Company (Originator):
Approved and accepted by:		______   
 Approved and accepted		by /s/ KJ
 
**Florida Bank, N.A.

6301 Benjamin Road,Suite 105

Tampa FL 33634**
ODFI-Originator Agreement

Attachment 5: Security Procedures(Please Complete)

The Originator is responsible to strictly establish and to maintainprocedures to safeguard against unauthorized transactions. The Originatorwarrants that no individual will be allowed to initiate transfers in the absenceof proper supervision and safeguards, and agrees to take reasonable steps tomaintain the confidentiality of the security procedures and any passwords,codes, security devices, and related instructions provided by the ODFI. If theOriginator believes or suspects that any such information has been accessed byan unauthorized individual, the Originator will verbally notify the ODFIimmediately, followed by written confirmation. The occurrence of suchnotification will not affect any transfers made in good faith by the ODFI priorto the notification and within a reasonable time period to prevent unauthorizedtransfers.
**Transmittal of files:**- Files will be encrypted by the Originator before being transmitted to	the ODFI.
- The Originator will only transmit files on the dates specified in the	agreed upon ACH Transmittal Schedule (see Attachment 9). Changes to this	Schedule must be made in writing and signed by an authorized signer (see	Attachment 1) of the Originating company.
- The Originator will fax a ACH Transmittal Register (see Attachment 2) to	the ODFI for every file transmission. This document must be signed by an	authorized signer (see Attachment 1).
- File totals will be confirmed by the ODFI upon receipt of tic ACH	Transmittal Register.
- After receipt and processing of files from the Originator, the ODFI will	fax, email or call the Originator with confirmation that the Federal Reserve	received the file.	 Files will be delivered to ODFI via: (choose one)
  o 1. ACH Now origination software  For files sent via modem (i.e., ACH Now), an Account ID, User ID and a	Password shall be issued at the time the account is set up. An authorized	signature must be entered in the authorized signature space of the fax	transmittal.
  x 2. MoveIt  For files delivered via MoveIt, a Username and Password will be assigned	at the time the account is set up. An authorized signature must be entered	in the authorized signature space of the fax transmittal.
  Should any of the above procedures not be met, the file will be rejected bythe ODFI and the Originator will be notified.  
Change of Authorized Contacts must be made in writing and signed by acurrent authorized contact, in accordance with instructions given in Attachment1.
** 

Florida Bank, N.A.  		
 Company (Originator):
Approved and accepted by:		______   
 Approved and accepted		by /s/ KJ
 

Florida Bank, N.A.

6301 Benjamin Road,Suite 105

Tampa FL 33634

ODFI-Originator Agreement

Attachment 6: The Account (PleaseComplete)
**The Originator identifies the following Florida Bank account to be used forthe purposes of clearing and settlement of originated ACH files and ACH returnentries and adjustments.

Florida Bank, N.A. [* * *]                          

Financial Institution Branch # Account Officer Phone Number

[* * *]Routing & Transit Number Account Number AccountType: Checking x or Savings o

NBO SystemsInc.                                                                                                                                                         

Account Name/Title

The Originator understands that the above account will bedebited and/or credited on the settlement date of the items originated for theexact amount of the items originated. Any discrepancies in these amounts shouldbe reported immediately to the ODFI. Accounts may also be debited or creditedfor return items.

If no separate account is designated as a fee account formonthly fee billing, the settlement account will be assumed to be the feeaccount and will be debited for the total amount of fees specified in theOrigination Agreement

For: NBO Systems Inc. 

Company Name

 

By: /s/ Kent Jasperson 

Authorized Account		Signature

 

Date: 11/28/03 
 

Florida Bank, N.A.  		
 Company (Originator):
Approved and accepted by:		______   
 Approved and accepted		by /s/ KJ****************************************** |
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