An electronic fund transfer system is disclosed wherein commissions for point-of-sale purchase transactions are determined and distributed to members of an organizational network for promoting use of a non-cash payment device that is tangible for effecting purchase transactions. The one die termination device comprises an on die termination control unit and an on die termination resistor unit and can change the terminal resistance value in accordance with the test signal, so that the terminal resistance can be easily analyzed. A protein sample is prepared from said biological sample using the Liquid Tissue\u2122 reagents and protocol and the IR protein, and IR-A andor IR-B isoforms, is quantitated in the Liquid Tissue\u2122 sample by the method of SRMMRM mass spectrometry by quantitating in the protein sample at least one or more of the peptides described.