Each member is supplied by the clearing house with statement blanks which are in duplicate form and which show at the top the name and number of the member using the same. The blanks used in different places are not uniform. . . . Along the left margin of each statement appear, in regular order, the names and numbers of all the members. Immediately to the right of these names and numbers are several columns, the two principal ones of which are headed "On Clearing House" and " From Clearing House." The total shown on each package of items is entered in the column "On Clearing House" and directly opposite the name and number of the bank on which the items are to be cleared. When all totals have been entered, the statement is footed, and if the work has been correctly done the footings thus obtained will prove against the combined total of all charges made by the several departments to the clearing-house department. Assuming they do so prove, the packages are placed in a satchel or chest and the clearing-house clerk and messenger take the satchel or chest and statement and make a mad rush to the clearing house. The reason for this rush is that the clearing hour is fixed, and any member not represented on the dot is fined; and if tardy over a certain number of minutes the member is shut out of the clearing for the day....

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