The NACHA TOP 50 Originators of 2004

1

J.P. Morgan Chase & Co., New York

1,539,333,912

762,292,112

2,301,626,024

127.20%

2

Bank of America Corporation, Charlotte

273,206,303

460,718,467

733,924,770

84.20%

3

Wells Fargo & Company, San Francisco

396,817,307

301,138,007

697,955,314

18.60%

4

Wachovia Corporation, Charlotte

244,287,758

236,161,886

480,449,644

18.00%

5

Citigroup, Inc., New York

336,730,243

80,365,846

417,096,089

100.90%

6

Suntrust Banks, Inc., Atlanta

269,935,934

96,279,679

366,215,613

217.20%

7

Mellon Financial Corporation, Pittsburgh

139,328,277

120,017,057

259,345,334

28.60%

8

Capital One Financial Corporation, Falls Church, Vir

230,337,572

382,524

230,720,096

174.20%

9

U.S. Bancorp, Minneapolis

72,089,744

150,401,784

222,491,528

16.10%

10

Northern Trust Corporation, Chicago

73,218,590

69,097,869

142,316,459

-10.50%

11

PNC Financial Services Group, Pittsburgh

29,899,778

94,111,969

124,011,747

-3.30%

12

Keycorp, Cleveland

24,253,126

95,879,138

120,132,264

-63.10%

13

Marshall & Ilsley Corporation, Milwaukee

77,290,356

35,187,989

112,478,345

14.40%

14

National City Corporation, Cleveland

29,683,175

80,600,428

110,283,603

4.60%

15

ABN AMRO, Amsterdam

56,955,172

49,050,463

106,005,635

10.30%

16

Amsouth Bancorporation, Birmingham

55,573,931

37,039,249

92,613,180

6.60%

17

HSBC Holdings, London

17,665,543

46,082,427

63,747,970

41.00%

18

Fifth Third Bancorp, Cincinnati

15,048,545

41,004,560

56,053,105

28.50%

19

First National of Nebraska, Inc., Omaha

33,042,731

21,209,611

54,252,342

15.40%

20

Royal Bank of Scotland Group, Edinburgh

7,292,091

41,311,827

48,603,918

24.90%

21

Bank of New York Co., Inc., New York

12,101,018

32,935,444

45,036,462

-6.20%

22

Allied Irish Banks, Dublin

19,187,448

24,499,544

43,686,992

-0.50%

23

State Street Corporation, Boston

16,164,788

25,584,154

41,748,942

21.60%

24

Comerica, Inc., Detroit

10,074,732

29,333,482

39,408,214

1.30%

25

Mitsubishi Tokyo Financial Group, Tokyo

15,460,011

22,163,056

37,623,067

3.20%

26

Harris Bancorp, Chicago

12,108,924

24,984,444

37,093,368

29.90%

27

Huntington Bancshares, Inc., Columbus

22,661,550

13,732,775

36,394,325

10.90%

28

United National Corporation, Sioux Falls, South Dak

29,505,257

4,104,206

33,609,463

18.60%

29

UMB Financial Corporation, Kansas City, Missouri

18,253,580

13,974,631

32,228,211

2.70%

30

Allstate Bank, Vernon Hills, Illinois

27,686,905

493,261

28,180,166

5.80%

31

First Tennessee National Corporation, Memphis

9,967,758

17,542,983

27,510,741

20.20%

32

Regions Financial Corporation, Birmingham

9,605,786

14,583,212

24,188,998

-3.10%

33

USAA Bancorp, Inc., San Antonio

20,055,968

2,014,796

22,070,764

31.90%

34

BOK Financial Corporation, Tulsa

14,904,077

7,030,230

21,934,307

10.90%

35

Concord EFS National Bank, Memphis

904,933

20,810,415

21,715,348

-70.00%

36

BNP Paribas, Paris

15,134,088

6,233,124

21,367,212

22.40%

37

CU Bank Shares, Inc., Farmers Branch, Texas

20,075,089

657,643

20,732,732

12.70%

38

Fort Knox National Bancorp, Elizabethtown, Kentuck

19,680,812

190,640

19,871,452

0.60%

39

Washington Mutual, Inc., Seattle

5,114,095

14,455,497

19,569,592

78.20%

40

Otto Bremer Foundation, St. Paul, Minnesota

N/A

N/A

19,568,270

30.90%

41

Arvest Bank Group, Bentonville, Arkansas

1,209,051

18,017,643

19,226,694

5.20%

42

BB&T Corporation, Winston-Salem

8,108,903

9,681,819

17,790,722

21.20%

43

Compass Bancshares, Birmingham

13,377,426

4,143,527

17,520,953

5.50%

44

Providian Financial Corporation, San Francisco

16,912,106

0

16,912,106

16.40%

45

Deutsche Bank, Frankfurt

2,000,000

14,800,000

16,800,000

-7.20%

46

ING USA Holding Corp., Wilmington, Delaware

11,152,294

4,518,528

15,670,822

75.30%

47

Sovereign Bancorp Inc., Wyomissing, Pennsylvania

2,684,723

11,161,585

13,846,308

76.70%

48

Commerce Bancshares, Inc., Kansas City, Missouri

6,966,936

6,709,078

13,676,014

9.10%

49

Independent Bankers Financial Corporation, Irving, T

11,390,527

1,343,981

12,734,508

6.30%

50

Banknorth Group, Inc., Portland, Maine

3,758,312

7,389,690

11,148,002

-11.30%