Avg # of Images Rec / Day

1. Avg # of Images Rec / Day 59.46 million Images/Day = 14.9 billion images annually 56/ day # Items in Millions Images Only Nov-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

2. # of Receiving R/Ts 24,773 Image-Available R/Ts # of Image-Available R/Ts Image-Available R/Ts Nov-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

3. Transaction $ Amounts November ’13 Annualized = $20.9 trillion 19 days in November totaling $1,578 $ in Billions Nov-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

4. # of Image Based Trans. Substitute Check volume has decreased to the volume prior to Jan 2005 # Items in Millions Images 19 days in November totaling 1,129 Substitute Checks Nov-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

5. Average # of Returns / Day 239,000 /Day Annualized = 60.2 million # Returns in Thousands Nov-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

6. $ Amount of Returns November ’13 Annualized = $76.5 billion $ Amount in Millions 19 days in November totaling $5,754 Nov-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

7. # of R/Ts Available for Image Returns 14,214 R/Ts Available to Receive Returns (Data sources were modified for August 2010 forward) # of R/Ts Available to Receive Images Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges