The transition to 100% of all Financial Institutions participating in electronic exchange will be piecemeal - and will take several years to accomplish. Mandatory participation is set for 2010!. CU*Check21 offered through Processing Alliance is an opportunity intended to promote the efficiencies at a cost savings. Certainly, it is CU*Answers' intent to provide ongoing encoding services at each of its offices for the foreseeable future. A CU*Check 21 operation is also planned at the Kentwood facility for clients wishing to convert to CU*Check 21. Certainly, it is expected that as clients convert to CU*Check 21, some courier rates will be affected because of the smaller number of clients remaining on these delivery routes. These will be reviewed on a case-by-case basis. Contact Karen Chesbro at kchesbro@cuanswers.com or Robert Harrington bharrington@cuanswers.com for more details.