ACH Debit Authorization Agreement

Authorized Transactions

Authorized ACH debit transactions may include, without limitation:

• Service fees and subscription charges

• Adjustments, corrections, or other amounts generated through ESCOCHEX PAYROLL

Authority and Representations

Client represents and warrants that:

• Client is an authorized signer on the designated Account;

• Client has the legal authority to authorize ACH debits from the Account; and

• The Account is maintained at a financial institution located within the United States.

NACHA Compliance

All ACH transactions initiated under this Agreement shall be processed in accordance with the rules and regulations of the National Automated Clearing House Association (“NACHA”), as amended from time to time. Client agrees to be bound by such rules.

Availability of Funds

Client agrees to maintain sufficient available funds in the Account to cover all authorized ACH debit entries on the applicable settlement date. Client acknowledges that insufficient funds or unauthorized return requests may result in fees, delayed payroll processing, or suspension of services.

Review Responsibility

Client is responsible for reviewing all payroll invoices, reports, and transaction details prior to payroll processing. Once a payroll is submitted for processing, ACH transactions may not be stopped or reversed.

Term and Revocation

This authorization shall remain in full force and effect until Escochecks Inc. receives written notice of revocation from Client. Client understands that revocation does not apply to ACH debit entries initiated prior to the Company’s receipt of such notice or transactions already in process.