"The participation of HSBC Bank USA in the Image Payments Network will
create immediate benefits for both institutions, including the opportunity to
exchange images with the Federal Reserve, EDS and other institutions already
utilizing the network," said Susan Long , Senior Vice President of The Clearing
House, responsible for SVPCO-Electronic Clearing Services . "The more
institutions that join the Image Payments Network, the greater the benefits to
all . The DTA enables financial institutions to
transmit check images directly to each other cost effectively ., Fiserv reported $3.4 billion in processing and
services revenues for 2004.

other facts

HSBC Bank USA N.A. Now Using SVPCO Image Payments Network

About The Clearing House Payments Company
The Clearing House Payments Company L.

Business Editors

ORLANDO, Fla.
As part of its overall Check 21 strategy, Frost Bank will use the
ExchangeGuard IRD suite to compose and print IRDs in its operations
centers to accelerate forward and return check clearings, as well as
to improve float and reduce transportation costs. 31,
2004. Fiserv Imagesoft is on the Web at
www.

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L. and Wells Fargo.goold@svpco.theclearinghouse. The
organization has maintained industry leadership by building dynamic,
real-world, image-based solutions for financial services organizations
of all sizes -- including banks, thrifts, credit unions, brokerage and
mutual fund companies, and service bureaus .S.com

Fiserv, Inc.

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, Union Bank of California, Wachovia
Corp. Frost has been a Fiserv Imagesoft
client since 1991. is a financial holding company,
headquartered in San Antonio, with assets of $10 billion at Dec. Cullen/Frost Bankers'
stock is traded on the New York Stock Exchange under the symbol CFR., has been providing
imaging solutions to the financial services industry since 1989.

fiserv.

image links

, today announced that HSBC Bank USA, N.

This application will
perform automated reviews on selected check images for a variety of
quality factors, such as global image quality, presence of partial
images, excessive image skew, piggy-backed images, images that are too
light or too dark, images that contain streaks or other undesired
marks, and minimum and maximum image size.

Fiserv Imagesoft, a unit of Fiserv, Inc. Headquartered
in Brookfield, Wis.

reference country

How the Image Payments Network Works
Image exchange and settlement are conducted through SVPCO 's Distributed
Traffic Agent (DTA), a solution developed by SVPCO with VECTORsgi, one of its
strategic technology partners. The DTA works
in conjunction with existing item-processing systems to link institutions into
the network and enables institutions to directly exchange payloads of
electronic images. financial
institutions and hundreds of international participants with payment services
that span the entire spectrum of paper, paper-to-electronic and electronic
payments. Financial institutions
of all sizes benefit from payment systems that meet the highest standards for
reliability, security and service.fiserv.

flag cameroon

Twelve Large Banks, Federal Reserve and EDS Now Exchanging Check Images
Through the Image Payments Network

NEW YORK, SVPCO - Electronic Clearing Services, the
electronic check and check image exchange business of The Clearing House
Payments Company L."
The Image Payments Network is a single, end-to-end system that provides
unparalleled control, security and processing efficiency for transmitting and
settling check images directly between industry participants.
All financial institutions that exchange images directly with each other
via the Image Payments Network utilize the automated settlement function.L.
(http://www.org) is a private-sector, global payment systems
infrastructure that clears and settles 25 million payments for more than $1. banking affiliates: Bank of
America, The Bank of New York, Bank of Tokyo-Mitsubishi /Union Bank of
California, BB+T, City National Bank, Citibank, Citizens Bank, Comerica Bank,
Deutsche Bank, First-Citizens Bank, HSBC Bank USA, JPMorgan Chase Bank,
KeyBank, LaSalle Bank, M+T Bank, National City Bank, PNC Bank, UBS, U."

Cullen/Frost Bankers, Inc. The corporation provides a full range of commercial and consumer
banking products, investment and brokerage services, insurance
products and investment banking services. Fiserv Imagesoft software
is currently used by hundreds of financial institutions and other
businesses in the U.

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Financial institutions can see their net debit or
credit position online and view their position with all of the institutions
participating in the Image Payments Network at any time.S. Additionally, the system
will ensure image integrity by confirming that electronic data files
are correctly linked with their appropriate check images via magnetic
ink character recognition (MICR) validation. Its subsidiary, Frost Bank,
operates 78 financial centers across Texas in Austin, Boerne, Corpus
Christi, Dallas, Fort Worth, Galveston, Harlingen, Houston, McAllen,
New Braunfels, San Antonio and San Marcos.

cameroon facts

In December, the
Image Payments Network set new volume records and reported $3.
Based in San Antonio, Texas, Frost Bank is the oldest and largest
bank headquartered in that state. and abroad. Fiserv can be found on the Internet at
www.

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The Image Payments Network is the nation's private-sector volume leader in
image payments by dollar value and total number of items.
"The SVPCO Image Payments Network is a strategic opportunity for HSBC to
realize the long-term efficiencies of image exchange," said Tom Kaiser, Senior
Vice President of Transaction Services at HSBC. Bank,
Wachovia Bank, and Wells Fargo Bank.

Frost Bank Selects ExchangeGuard IRD and Image Quality Assessment from Fiserv ImageSoft

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----Fiserv Imagesoft, a
unit of Fiserv, Inc . "Adding these
further ExchangeGuard solutions will give us the optimal high-volume
IRD composition and production solution required for us to meet
customer needs in this growing area of item processing .imagesoft.

other facts

"
In addition to HSBC, participants in the Image Payments Network include
Bank of America, Comercia, EDS, Fifth Third, JPMorgan Chase + Co.S.

country facts

A., KeyCorp,
LaSalle Bank, M+T, National City Corp.
Automated settlement provides real-time net and bilateral settlement position
reporting and eliminates the manual intervention required with other
settlement arrangements. The Clearing House serves more than 1,600 U. The Clearing House Payments Company is
owned by the following banks or their U.

reference country

5554, susan.com.5
trillion per day.

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Through its relationship with the Federal Reserve , the
Image Payments Network can reach more than 10,000 endpoints and help financial
institutions of all sizes take advantage of image exchange.319.
In preparation for increased inter-bank check image exchange,
Frost has chosen to implement ExchangeGuard IQA.com

image flag

C.5 billion in
daily average dollar value, an increase of 14 percent compared to November
2005; $73 billion in total monthly dollar value, an increase of 20 percent
compared to November 2005; 555,0000 in daily average items , an increase of 27
percent compared to November 2005; and 11. (Nasdaq:FISV) provides information management systems
and services to the financial industry, including transaction
processing, outsourcing , business process outsourcing and software and
systems solutions. The company serves more than 15 ,500 clients
worldwide, including banks, broker-dealers, credit unions, financial
planners/investment advisers, insurance companies and agents,
self-funded employers, lenders and savings institutions .

country several

(NYSE: HBC)
is now exchanging and settling check images through the SVPCO Image Payments
Network . The network
enables financial institutions to exchange and settle check images peer-to-
peer without a cumbersome central processing system, thus eliminating the
expense of transporting physical checks. The network provides encryption to ensure that all customer
data remains private and secure . Services include local and regional check exchange and settlement
services; ACH association and operations; large-value "wire" payments;
electronic check presentment; and an image exchange.S. (Nasdaq:FISV), said Frost Bank has selected its
ExchangeGuard Image Replacement Document (IRD) and ExchangeGuard Image
Quality Assessment (IQA) software solutions for the composition and
production of IRDs, as well as for assessing quality and usability of
its check images -- furthering the bank 's imaging infrastructure in
support of Check 21 and image exchange. Founded in 1868, Frost is
the largest national bank headquartered in Texas, helping Texans with
their financial needs during three centuries.

reference other

7 million in total monthly items, an
increase of 33 percent compared to November 2005.

"Our participation in the
Image Payments Network is consistent with our commitment to leverage
innovation to increase our competitiveness in the marketplace.
"As inter-bank check image exchange becomes more prevalent, the
quality of those images becomes a critical consideration for us," said
Gary McKnight , executive vice president of Frost Bank.

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For more information about the SVPCO Image Payments Network, contact Susan
Goold, Director, Products and Services, SVPCO-Electronic Clearing Services ,
201.C.

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