Affirmative Technologies, Inc. is a leading technology provider to the electronic payments industry, marketing software and Internet applications for processing consumer payments electronically via an established Financial Institution-ODFI, the ACH Network, and Federal Reserve Banking System, through standalone or multi-client electronic payment Processing Applications for Retail Merchants, Internet Merchants, Financial Institutions, Third Party ACH Processors, Software Integrators, and Payment Aggregators.

Affirmative employs a team of senior software developers, technical support professionals, and electronic payment industry experts, available to assist in creating unique solutions for any business regardless of size or payment intake complexity.

Affirmative's applications address the following electronic payment/processing channels:

• Retail businesses processing Consumer payments electronically via Point-Of-Sale (POS), Telephone (TEL), Accounts Receivable (ARC), Pre-Authorized Debits (PPD), and all other electronic payment methods authorized by NACHA
• Internet businesses processing Consumer payments (WEB) electronically
• Business-To-Business (B2B) payments (CCD)
• NSF check electronic recovery application for businesses’ in-house collection efforts
• NSF check electronic recovery multi-functional Internet application designed specifically for NSF Check Recovery Entities processing (RCK) transactions
• Check verification Services
• Check reader, scanning, and imaging solutions for businesses and financial institutions (Check 21 Compliant)
• Core ACH Network processing application for Financial Institutions
• ACH Network processing risk management application for Financial Institutions
• Remote Deposit application for Financial Institutions and their commercial clients
• ACH Network processing application for Third Party ACH Processors and Payment Aggregators
• Software integration services to aggregate licensed users into one payment platform
• ACH Network server based secure file transfer program
• Wire Transfer Services for businesses

Affirmative offers consulting services and custom software programming for clients with complex payment processing needs and integration requirements.

Affirmative is a proven leader in electronic payment technology. Affirmative began developing ACH processing applications in 1998, investing significant resources in research and development prior to marketing products and services. Affirmative's business model from the very beginning was to be a leader in the development of cutting edge ACH Network Processing Applications to the electronic payments industry.

Electronic ACH Network transaction processing applications facilitate the electronic settlement (payment) for Business-to-Consumer, Consumer-to-Business, or Business-to-Business transactions. Businesses obtain (in person, by telephone, fax, or over the Internet) the customer's ABA (9 digit Bank Routing Number) and checking account number, then imports a data file, scans a check, or manually enters the payment information into the software or Internet application. The ACH Network application communicates electronically through the ACH Network and the Federal Reserve Banking System, automatically debiting the consumer's bank account and crediting the businesses' account.

The ACH Network serves thousands of financial institutions, 3.5 million businesses, and more than 100 million individuals in the United States . In 2003 there were almost 10 billion ACH payments worth $26.7 trillion. The ACH Network is commonly used for Direct Deposit of payroll and government benefits such as Social Security, direct payment of consumer bills, business-to-business payments, federal tax payments, and, increasingly, e-checks and e-commerce payments.

Affirmative employs a team of software developers, technical support professionals, and electronic payment industry experts who are available to assist in creating unique solutions to any business regardless of size or payment intake complexity.

Affirmative Technologies, Inc. is very involved in the electronic payments industry as a member of the Electronic Check Council, an associate member of EastPay, Payment Resource One, and the Alabama ACH Association, all Regional Payment Associations affiliated with the National Automated Clearing House Association (NACHA). Affirmative regularly exhibits at multiple Electronic Payment Conferences, providing speakers on many key aspects and factors affecting the electronic payment industry.

See Affirmative's multiple service offerings in NACHA's buyers guide under the Resources Tab at www.nacha.org .