Avg # of Images Rec / Day

1. Avg # of Images Rec / Day 56.59 million Images/Day = 14.2 billion images annually 56.59/ day # Items in Millions Images Only Dec-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

2. # of Receiving R/Ts 24,774 Image-Available R/Ts # of Image-Available R/Ts Image-Available R/Ts Dec-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

3. Transaction $ Amounts December ’13 Annualized = $19.9 trillion 21 days in December totaling $1,660 $ in Billions Dec-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 21 days in December totaling 1,188 Substitute Checks Dec-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

5. Average # of Returns / Day 233,000 /Day Annualized = 58.7 million # Returns in Thousands Dec-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges

6. $ Amount of Returns December ’13 Annualized = $82.2 billion 21 days in December totaling $6,854 $ Amount in Millions Dec-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 18,403 R/Ts Available to Receive Returns (Data sources were modified in December 2013) # of R/Ts Available to Receive Images Dec-13 Source: Federal Reserve, Viewpointe, The Clearing House, selected ECCHO Full and Participating Members and other local / regional exchanges