We have made changes to the ACH Product Guide that are effective as of the date of this posting, which is August 21, 2009. The changes pertain to a client's responsibility for fines or other assessments we are required to pay because of a client's failure to implement procedures mandated by third parties with regulatory or other authority over the services we offer under the ACH Product Guide, such as the NACHA and OFAC. The principal change is in the section entitled "Liability". We have added an indemnification in a new first paragraph. We have also made some changes in the indemnification paragraph in the section entitled "International ACH Transactions; Indemnification". These changes were made to conform the language to the new provision added in the section entitled "Liability".