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Federal Reserve Bank
of Dallas

l l★K

HELEN E. HOLCOMB
DALLAS, TEXAS
75265-5906

FIRST VICE PRESIDENT AND
CHIEF OPERATING OFFICER

June 4, 1999
Notice 99-38

TO: The Chief Operating Officer of each
financial institution and others concerned
in the Eleventh Federal Reserve District

SUBJECT
Price Changes for Check Collection
DETAILS
The Federal Reserve Bank of Dallas is announcing changes to check collection
service charges, effective July 5, 1999. The changes affect forward check collection and return
check.
ATTACHMENT
A copy of the revised fees, separated by Eleventh District Office, is attached.
MORE INFORMATION
For more information on these changes or check collection services in general,
please contact Don Jackson, (214) 922-5431, at the Dallas Office; Eloise Guinn, (915) 521-8201,
at the El Paso Branch; René Gonzales, (713) 652-1543, at the Houston Branch; or Herb Barbee,
(210) 978-1402, at the San Antonio Branch.
For additional copies of this Bank’s notice, please contact the Public Affairs Department at (214) 922-5254.
Sincerely,

For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal
Reserve Bank of Dallas: Dallas Office (800) 333-4460; El Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012;
Houston Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810.

REVISED FEES FOR
CHECK COLLECTION

Federal Reserve Bank of Dallas

Effective July 5, 1999

FORWARD CHECK COLLECTION
LOCAL DEPOSITORS
DALLAS

REQUIREMENTS

DEADLINE1/

AVAILABILITY

CASH
LETTER
FEE

Mixed*

None

12:01 a.m.
9:00 a.m.
11:00 p.m. M-Th
10:00 p.m. Sat

Calc.2/

$ 3.50

Calc.3/ 4/

Early Mixed

None

7:00 p.m. M-Th/
Sat

Calc.2/

$ 10.00

$ .035

1110/3110
1111/3111
1119/3119

12:01 a.m.
3:00 a.m.
3:00 a.m.

Immediate
Immediate
Immediate

$ 4.75
$ 6.75
$ 6.75

1110/3110
1110/3110

9:00 a.m.
9:30 a.m.
9:30 a.m.
9:30 a.m.

Immediate
Immediate
Immediate
Immediate

$
$
$
$

7/

9:30 a.m.

Immediate

$ 4.00

$ .008

1111/3111
1119/3119
1111/3111
1119/3119

12:01 a.m.
12:01 a.m.
3:00 a.m.
3:00 a.m.
3:00 a.m.
4:00 a.m.
5:30 a.m.
3:00 a.m.
4:00 a.m.8/

Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate

$
$
$
$
$
$
$
$
$

$
$
$
$
$
$
$
$
$

11:00 p.m. M-Th
8:30 p.m. Sun & Hol
12:01 a.m. Tue-F
9:45 p.m. Sun & Hol
8:00 a.m.

1 Day

$ 4.75

$ .031

Immediate/
1 Day
1 Day

$ 6.00

$ .013

$ 4.75

$ .017

Calc.2/

$ 4.75

Calc.4/

1 Day

$ 4.00

Calc.7 / 9/

CASH LETTER
TYPE

RCPC-Plus-City**

City
Regular
Premium
Group
Fine
ECL City Group Sort
RCPC
Regular
Premium
Group Regular
Group 4 and 5
Group Late Premium
RCPC GS/Payor
Fine
Country
Regular
Fine
Early Country
Federal
Nationwide City Sort

SORTING

7/

Endpoint

7/
7/
7/
7/

Endpoint

1113/3113
Endpoint
1113/3113
Nonlocal
All Fed City
9/

11:00 p.m. M-Th
10:00 p.m. Sat
11:00 p.m. M-Th
10:00 p.m. Sat

4.50
4.50
4.50
7.00

4.75
4.75
6.75
6.75
4.75
4.75
4.75
4.75
7.00

PER ITEM
FEE

5/
6/
6/

$
$
$
$

.017
.027
.012
.007

.023
.023
.048
.048
.017
.017
.05
.012
.01

07/99

FORWARD CHECK COLLECTION
LOCAL DEPOSITORS
DALLAS (cont’d)

DEADLINE

AVAILABILITY

CASH
LETTER
FEE

7/

8:30 a.m.

Immediate

$14.00

$ .15

1113/3113

7/

Immediate

$ 6.00

$ .01

City
RCPC
Country
Federal

9:00 a.m.
9:00 a.m.
9:00 a.m.
9:00 a.m.

1 Day
1 Day
2 Day
2 Day

$
$
$
$

$ .40
$ .40
$ .40
$ .55

None

7/

Canadian R/T

7/

7/

E/Z Clear Bonds

12:01 a.m., 3:00 p.m.

Immediate

None

U.S. Treasury Checks

12:01 a.m., 3:00 p.m.

Immediate

None

Postal Money Orders

12:01 a.m., 3:00 p.m.

Immediate

None

12:01 a.m., 3:00 p.m.

Immediate

None

CASH LETTER
TYPE
High Dollar
Group Sort
Offsite7/
Nonmachineable

Encoding10/
Canadian C/L

Checks Drawn
on Local FRB

*

SORTING
REQUIREMENTS

1110-0003-8

1/

4.75
4.75
4.75
4.75

PER ITEM
FEE

$ .07
$ 6.00

7/

U.S. Treasury Checks, Postal Money Orders and EZ Clear Bonds deposited in Mixed cash letters are at the published City per-item fee.
These items are handled at no charge when deposited in separately sorted cash letters at either 12:01 a.m. or 3:00 p.m.

** Sorting requirements apply to RCPC-Plus-City deadlines and fees.

1/
2/
3/

4/

5/
6/
7/

Deadline times are Monday through Friday except where noted.
Contact Dallas Office for availability.
Local mixed item fees are: City .019; RCPC .025; Country .033. Rejects are .054 each, and noncommercial items are calculated
as city items.
Nonlocal Eleventh District item fees are: City .039; RCPC .049; HDGS Cull at .35. The fee for all out-of-district items is
.055, except HDGS Cull at .35. The HDGS Cull lower limit is based on the latest Fed Funds rate target.
RCPC-Plus-City fees are: City .019; RCPC .025; Rejects .054.
RCPC-Plus-City fees are: City .019; RCPC Premium .05; Rejects .054.
Contact Dallas Office for details.

8/

The deadline is 5:00 a.m. for fine sort letters to RCPC Regular/Premium group sort banks.

9/

Nationwide City Sort fees are: Tier 1, .024; Tier 2, .034.

10/

Price for encoding only. Must be received three hours prior to next available mixed deadline.

07/99

RETURNED CHECK
LOCAL DEPOSITORS
DALLAS

Raw Returns
Mixed
Sorted

Qualified Returns
Mixed

City
Regular
Premium
Fine
RCPC
Regular
Premium
Fine
Country
Regular

REQUIREMENTS

DEADLINE

AVAILABILITY

None
City
RCPC
Country
Federal

8:00 p.m. (Sun-Th)
12:01 a.m.
12:01 a.m.
12:01 a.m.
12:01 a.m.

2 Day2/
Immediate
Immediate
1 Day
2 Day

$4.00
$4.50
$4.75
$4.75
$4.75

Calc.3/
$1.10
$1.10
$1.10
$1.25

Calc.2/
1 Day
2 Day
2 Day

$3.50

Calc.4/

12:01 a.m./9:00 a.m.
11:00 p.m. M-Th
10:00 p.m. Sat

CASH LETTER
TYPE

RETURN
LETTER
FEE

1110/3110
1110/3110
Endpoint

9:00 a.m.
9:30 a.m.
9:30 a.m.

Immediate
Immediate
Immediate

$4.50
$4.50
$6.00

$ .28
$ .36
$ .007

1111/3111
1119/3119
1111/3111
1119/3119
Endpoint

12:01 a.m.

Immediate

$4.75

$ .31

3:00 a.m.

Immediate

$6.75

$ .42

4:00 a.m.

Immediate

$6.00

$ .01

1113/3113

11:00 p.m. M-Th
8:30 p.m. Sun & Hol
12:01 a.m. Tue-F
9:45 p.m. Sun & Hol
11:00 p.m. M-Th
10:00 p.m. Sat

1 Day

$4.75

$ .34

Immediate
1 Day
2 Day

$6.00

$ .013

$4.75

$ .66

SORTING

None

Fine

Endpoint

Federal

Nonlocal

Returned Reclear
Large Dollar Return Item
Notification (LDRIN)
Online wire notice
Telephone call to Fed
Physical check to Fed7/

1/

5/

PER ITEM
FEE

$ .256/

12:00 noon
9:00 a.m.
9:00 a.m.

$1.75
$6.00
$7.25

07/99

RETURNED CHECK
LOCAL DEPOSITORS
DALLAS (cont’d)

1/
2/
3/
4/
5/
6/
7/

Deadline times are Monday through Friday except where noted.
Contact the Returned Check Division if you prefer calculated availability.
Mixed raw return per-item fees are: Local $1.12; Federal $1.27; Rejects $1.15.
Qualified mixed returned item fees are: City .30; RCPC .33; Country .36; Federal .68; Rejects .42.
Contact Dallas Office for details.
$2.50 minimum charge.
Special separate return letter required.

07/99

FORWARD CHECK COLLECTION
LOCAL DEPOSITORS
EL PASO

CASH LETTER
TYPE
Mixed

RCPC-Plus-City
Regular

Premium

City
Regular
Premium
Fine
ECL City Group Sort
RCPC
Regular

Premium

Group
RCPC GS/Payor
Fine
Federal
Interdistrict/Other Fed
Group Sort
Interdistrict/Other Fed
RCPC and Country
Group Sort
Nationwide City Sort
Nonmachineable

REQUIREMENTS

DEADLINE1 /

AVAILABILITY

CASH
LETTER
FEE

None

2:00 a.m.
9:15 a.m.
1:00 p.m.

Calc.2/

$3.50

Calc.3/ 4/

1120/3120
1122/3122
1123/3123
1163/3163
1120/3120
1122/3122
1123/3123
1163/3163

2:00 a.m.
2:00 a.m.
2:00 a.m.
2:00 a.m.
3:00 a.m.
3:00 a.m.
3:00 a.m.
3:00 a.m.

Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate

$4.75
$4.75
$4.75
$4.75
$7.00
$7.00
$7.00
$7.00

5/

1120/3120
1120/3120
Endpoint

9:15 a.m.
9:45 a.m.
10:15 a.m.

Immediate
Immediate
Immediate

$4.50
$4.50
$7.00

$ .016
$ .026
$ .006

7/

8:15 a.m.

Immediate

$4.00

$ .007

1122/3122
1123/3123
1163/3163
1122/3122
1123/3123
1163/3163

2:00 a.m.
2:00 a.m.
2:00 a.m.
3:00 a.m.
3:00 a.m.
3:00 a.m.
3:00 a.m.
3:00 a.m.
3:00 a.m.

Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate

$4.75
$4.75
$4.75
$7.00
$7.00
$7.00
$4.75
$4.75
$7.00

$ .032
$ .032
$ .032
$ .062
$ .062
$ .062
$ .023
$ .014
$ .014

1:00 p.m.

Calc.2/

$4.50

Calc.4/

1:30 p.m.

1 Day

$4.00

$ .03

1:30 p.m.
1:30 p.m.

2 Day
1 Day

$4.00
$4.00

$ .048
Calc.8/

9:15 a.m.
9:15 a.m.
9:15 a.m.

1 Day
1 Day
2 Day

$4.75
$4.75
$4.75

$ .35
$ .40
$ .55

SORTING

7/
7/

Endpoint
Nonlocal
Selected
Cities7/
7/
7/

City
RCPC
Federal

PER ITEM
FEE

5/
5/
5/
6/
6/
6/
6/

07/99

FORWARD CHECK COLLECTION
LOCAL DEPOSITORS
EL PASO (cont’d)

CASH LETTER
TYPE

SORTING

CASH
LETTER
FEE

PER ITEM
FEE

REQUIREMENTS

DEADLINE1 /

None

7/

Canadian R/T

7/

7/

E/Z Clear Bonds

2:00 a.m., 2:00 p.m.

Immediate

None

U.S. Treasury Checks

2:00 a.m., 2:00 p.m.
3:00 p.m.

Immediate

None

Postal Money Orders

2:00 a.m., 2:00 p.m.
3:00 p.m.

Immediate

None

2:00 a.m., 2:00 p.m.
3:00 p.m.

Immediate

None

Encoding9 /
Canadian C/L

Checks Drawn
on Local FRB

1/
2/
3/
4/

5/
6/
7/
8/
9/

1120-0001-1

AVAILABILITY

$ .07
$6.00

7/

Deadline times are Monday through Friday except where noted.
Contact El Paso Office for availability.
Local mixed item fees are: City .017; RCPC .033. Rejects are .052 each, and noncommercial items are calculated as city items.
Nonlocal Eleventh District item fees are: City .038; RCPC .048; Country .059; HDGS Cull at .35. The fee for all out-of-district items is
.054, except HDGS Cull at .35. The HDGS Cull lower limit is based on the latest Fed Funds rate target.
RCPC-Plus-City fees are: City .018; RCPC .034; Rejects .052.
RCPC-Plus-City fees are: City .018; RCPC Premium .064; Rejects .052.
Contact El Paso Office for details.
Nationwide City Sort fees are: Tier 1, .024; Tier 2, .034.
Price for encoding only. Processing is an additional charge.

Note: New Mexico Transportation Relay: $3.00 minimum, $.001 per item. Contact El Paso Office for details.

07/99

RETURNED CHECK
LOCAL DEPOSITORS
EL PASO

SORTING
REQUIREMENTS

DEADLINE1/

AVAILABILITY

RETURN
LETTER
FEE

None
City
RCPC
Federal

8:00 p.m. (Sun-Th)
2:00 a.m.
2:00 a.m.
2:00 a.m.

2 Day2/
Immediate
Immediate
Calc.

$4.00
$4.50
$4.75
$4.50

Calc.3/
$ 1.00
$ 1.00
$ 1.15

$4.00

Calc.4/

2:00 a.m.
9:15 a.m.
1:00 p.m.

Calc.2/
1 Day
1 Day
2 Day

1120/3120
1120/3120
Endpoint

9:15 a.m.
9:45 a.m.
10:15 a.m.

Immediate
Immediate
Immediate

$4.50
$4.50
$6.50

$ .25
$ .50
$ .015

2:00 a.m.

Immediate

$4.75

$ .30

3:00 a.m.

Immediate

$6.75

$ .75

Fine

1122/3122
1123/3123
1163/3163
1122/3122
1123/3123
1163/3163
Endpoint

3:00 a.m.

Immediate

$6.50

$ .017

Federal

Nonlocal

1:00 p.m.

Calc.

$4.50

$ .85

CASH LETTER
TYPE
Raw Returns
Mixed
Sorted

Qualified Returns
Mixed

City
Regular
Premium
Fine
RCPC
Regular

Premium

None

Returned Item Reclearing
Service5/
Large Dollar Return Item
Notification (LDRIN)
Online wire notice
Telephone call to Fed
Physical check to Fed6/

Calc.

12:00 noon
9:00 a.m.
9:00 a.m.

PER ITEM
FEE

$ .25

$ 1.75
$ 6.00
$ 7.25

07/99

RETURNED CHECK
LOCAL DEPOSITORS
EL PASO (cont’d)

1/
2/
3/
4/
5/

6/

Deadline times are Monday through Friday except where noted.
Contact the Returned Check Division if you prefer calculated availability.
Mixed raw returned per-item fees are: Local $1.25; Federal $1.40; Rejects $1.30.
Qualified mixed returned item fees are: City .26; RCPC .31; Federal .86; Rejects .35.
A daily minimum fee of $2.50 applies, regardless of the number of items cleared. An additional fee of 25 cents will be applied to each
item examined over 10 items per day. Please contact the El Paso Office for details to initiate service.
Special separate return letter required.

07/99

FORWARD CHECK COLLECTION
LOCAL DEPOSITORS
HOUSTON

CASH LETTER
TYPE

SORTING
REQUIREMENTS

Mixed

RCPC-Plus-City*

City
Regular
Premium
Harris County Group
Group
Fine
ECL City Group Sort
RCPC
Regular
Premium
Group
RCPC G/S Payor
Fine
Federal
Interdistrict/Other Fed
Group Sort
Brown Zone Group Sort
Interdistrict/Other Fed RCPC
& Country Group Sort
ECL Interdistrict/Other Fed
RCPC & Country Group Sort
Nationwide City Sort
Other Fed Unsorted
ECL Other Fed Unsorted
High Dollar
Group Sort

DEADLINE1/

AVAILABILITY

CASH
LETTER
FEE

PER ITEM
FEE

None

2:30 a.m.
9:00 a.m.
9:30 p.m. M-Th/Sat

Calc.2/

$3.50

Calc.3/ 4/

1130/3130
1131/3131

2:30 a.m.
3:45 a.m.

Immediate
Immediate

$4.25
$6.25

5/

1130/3130
1130/3130

9:00 a.m.
9:30 a.m.
11:00 a.m.

$4.00
$4.00
$4.00
$4.00
$6.50

$ .017
$ .027
$ .016
$ .009
$ .006

6/

7/

8/

Endpoint

11:00 a.m.

Immediate
Immediate
Immediate
Immediate
Immediate

7/

8:00 a.m.

Immediate

$4.00

$ .008

1131/3131
1131/3131

2:30 a.m.
3:45 a.m.
3:45 a.m.
4:00 a.m.
4:00 a.m.8/

Immediate
Immediate
Immediate
Immediate
Immediate

$4.25
$6.25
$4.25
$4.25
$6.50

$ .023
$ .047
$ .012
$ .009
$ .009

2:30 a.m. M-Th
Calc.2/
9:30 p.m. M-Th/Sat
10:00 p.m.
Calc.2/
M-Th/Sat
2:30 a.m. M-Th/
Immediate
10:00 p.m. Sat
Calc.2/
9:30 p.m. M-Th
2 Day
10:00 p.m. Sat
2 Day
9:30 p.m. M-Th
2 Day
10:00 p.m. Sat
2 Day
10:00 p.m. M-Th/Sat
Calc.2/
10:00 p.m. Sat
2 Day
10:00 p.m. Sat
2 Day

$4.00

Calc.4/

$4.00

$ .03

$4.00

$ .043

$4.00
$4.00
$4.00
$4.00
$4.00
$4.00
$4.00

$ .043
$ .038
$ .042
$ .037
Calc.9/
$ .039
$ .038

$12.00

$ .075

7/

7/
7/

Endpoint
Nonlocal
Selected
Cities7/
7/

7/

7/

7/
7/
7/

7/

9:00 a.m. Tue-F

Immediate

07/99

FORWARD CHECK COLLECTION
LOCAL DEPOSITORS
HOUSTON (cont’d)

REQUIREMENTS

DEADLINE1 /

AVAILABILITY

CASH
LETTER
FEE

City
RCPC
Federal

9:00 a.m.
9:00 a.m.
9:00 a.m.

1 Day
1 Day
2 Day

$4.25
$4.25
$4.25

None

9:00 p.m.

Canadian R/T

7/

7/

E/Z Clear Bonds

1:00 a.m., 3:00 p.m.

Immediate

None

U.S. Treasury Checks

1:00 a.m., 3:00 p.m.

Immediate

None

Postal Money Orders

1:00 a.m., 3:00 p.m.

Immediate

None

1:00 a.m., 3:00 p.m.

Immediate

None

CASH LETTER
TYPE
Nonmachineable

Encoding10/
Canadian C/L

Checks Drawn
on Local FRB

SORTING

1130-0004-9

PER ITEM
FEE
$.45
$.45
$.60
$.07

$5.507/

* Sorting requirements apply to RCPC-Plus-City deadlines and fees.

1/
2/
3/
4/

5/
6/
7/

Deadline times are Monday through Friday except where noted.
Contact Houston Office for availability.
Local mixed item fees are: City .018; RCPC .024. Rejects are .052 each, and noncommercial items are calculated as city items.
Nonlocal Eleventh District item fees are: City .039; RCPC .049; Country .060; HDGS Cull at .351. The fee for all out-of-district items
is .055, except HDGS Cull at .351. The HDGS Cull lower limit is based on the latest Fed Funds rate target.
RCPC-Plus-City fees are: City .019; RCPC .025; Rejects .053.
RCPC-Plus-City fees are: City .019; RCPC Premium .049; Rejects .053.
Contact Houston Office for details.

8/

The deadline is 5:00 a.m. for fine sort letters to RCPC Regular/Premium group sort banks.

9/

Nationwide City Sort fees are: Tier 1, .024; Tier 2, .034.

10/

Price for encoding only. Processing is an additional charge.

07/99

FORWARD CHECK COLLECTION
LOCAL DEPOSITORS
SAN ANTONIO

CASH LETTER
TYPE

SORTING

CASH
LETTER
FEE

PER ITEM
FEE
Calc.3/ 4/

REQUIREMENTS

DEADLINE1/

AVAILABILITY

None

12:01 a.m.
2:00 a.m.
9:30 a.m.
10:00 p.m.

Calc.2/

$3.50

1140/3140
1149/3149

2:00 a.m.
3:45 a.m.

Immediate
Immediate

$4.75
$6.75

5/

1140/3140
1140/3140

9:30 a.m.
10:00 a.m.
10:00 a.m.
10:30 a.m.

Immediate
Immediate
Immediate
Immediate

$4.00
$4.00
$4.00
$6.50

$.016
$.026
$.009
$.008

7/

9:30 a.m.

Immediate

$3.50

$.007

1149/3149
1149/3149

2:00 a.m.
3:45 a.m.
4:00 a.m.8/
4:00 a.m.
4:00 a.m.

Immediate
Immediate
Immediate
Immediate
Immediate

$4.25
$6.75
$4.25
$4.25
$7.00

$.022
$.046
$.012
$.009
$.009

Federal
Nonlocal
Interdistrict/Other Fed
Selected Cities7 /
Group Sort
7/
Interdistrict/Other Fed RCPC
& Country Group Sort
7/
Nationwide City Sort

10:00 p.m.
10:00 p.m.

Calc.2/
1 Day

$4.00
$4.00

Calc.4/
$.03

9:30 p.m.

2 Day

$4.00

$.048

10:00 p.m.

1 Day

$4.00

$.034

Nonmachineable

City
RCPC
Federal

9:30 a.m.
9:30 a.m.
9:30 a.m.

1 Day
1 Day
2 Day

$4.25
$4.75
$4.25

$.55
$.55
$.70

None

7/

7/

Canadian R/T

7/

7/

Mixed

RCPC-Plus-City*

City
Regular
Premium
Group
Fine
ECL City Group Sort
RCPC
Regular
Premium
Group
RCPC G/S Payor
Fine

Encoding9/
Canadian C/L

7/

Endpoint

7/
7/

Endpoint

6/

$.035
$5.507/

7/

07/99

FORWARD CHECK COLLECTION
LOCAL DEPOSITORS
SAN ANTONIO (cont’d)

CASH LETTER
TYPE

SORTING

CASH
LETTER
FEE

PER ITEM
FEE

DEADLINE1/

AVAILABILITY

E/Z Clear Bonds

12:01 a.m., 3:00 p.m.

Immediate

None

U.S. Treasury Checks

12:01 a.m., 3:00 p.m.

Immediate

None

Postal Money Orders

12:01 a.m., 3:00 p.m.

Immediate

None

12:01 a.m., 3:00 p.m.

Immediate

None

Checks Drawn
on Local FRB

REQUIREMENTS

1140-0072-1

* Sorting requirements apply to RCPC-Plus-City deadlines and fees.

1/
2/
3/
4/

5/
6/
7/
8/
9/

Deadline times are Monday through Friday except where noted.
Contact San Antonio Office for availability.
Local mixed item fees are: City .018; RCPC .024. Rejects are .053 each, and noncommercial items are calculated as city items.
Nonlocal Eleventh District item fees are: City .039; RCPC .049; Country .060; HDGS Cull at .35. The fee for all out-of-district items is
.055, except HDGS Cull at .35. The HDGS Cull lower limit is based on the latest Fed Funds rate target.
RCPC-Plus-City fees are: City .018; RCPC .024; Rejects .053.
RCPC-Plus-City fees are: City .018; RCPC Premium .048; Rejects .053.
Contact San Antonio Office for details.
Several deadlines are available; contact San Antonio Office for details.
Price for encoding only. Processing is an additional charge.

07/99


Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102