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part 1 of 2

Rank Rank Originating Debit

1996 1995 institution payments

1 1 Chase Manhattan Bank NA, New York 208,883,192

2 2 Norwest Bank Minnesota NA 94,800,661

3 4 Bank One, Springfield, Ill. 113,857,793

4 3 Wachovia Bank of Georgia NA, Atlanta 29,667,187

5** NationsBank Corp., Charlotte, N.C. 30,455,230

6 6 Northern Trust Co., Chicago 35,126,909

7 7 First Union National Bank, Charlotte, 29,824,877

8 12 Wells Fargo Bank NA, San Francisco 21,052,435

9 5 Bank of America NT&SA, San Francisco 17,669,920

10 15 Fleet Financial Group Inc., Boston 13,966,378

11 11 PNC Bank NA, Pittsburgh 13,861,828

12 14 KeyBank NA, Cleveland 36,782,037

13 8 Mellon Bank NA, Pittsburgh 13,993,537

14** Boatmen's Bancshares Inc., St. Louis 23,441,536

15 9 Citibank (Delaware), New Castle 25,943,729

16 13 First Chicago NBD, Chicago 18,312,629

17 20 Bank of Boston Corp. 11,335,295

18 27 CoreStates Financial Corp., Philadelph 10,893,000

19 19 First Bank NA, Minneapolis 13,873,065

20 18 Texas Commerce Bank NA, Houston 11,968,617

21 26 Bank of America NW NA, Seattle 11,010,110

22 17 Harris Trust & Savings Bank, Chicago 16,644,812

23 23 First Chicago NBD, Detroit 4,805,923

24 31 Bank One Columbus NA, Ohio 11,021,879

25 25 First National Bank of Omaha 13,806,589

26 30 U.S. National Bank of Oregon, Portland 10,528,909

27 29 Wachovia Bank of N.C., Winston-Salem 10,647,734

28 28 UMB Bank NA, Kansas City, Mo. 14,184,051

29 24 Bank of America Illinois, Chicago 8,233,531

30 46 Compass Bank, Birmingham, Ala. 12,367,059

31 33 Firstar Bank Milwaukee NA 8,825,204

32 32 SunTrust Bank, Atlanta NA

33 39 First American National Bank, Nashvill 14,853,812

34 41 Citibank NA, New York 4,384,197

35 48 State Street Bank & Trust Co., Boston 8,867,936

36 36 National City Bank, Cleveland 8,054,885

37 38 First National Bank of Maryland, Balti 6,267,000

38 43 AmSouth Bank of Alabama, Birmingham 5,800,597

39 45 Michigan National Bank, Farmington Hil 6,569,640

40 47 M&I Marshall & Ilsley Bank, Milwaukee 3,835,027

41 53 Bank of New York 2,833,478

42 50 Comerica Bank, Detroit 3,032,569

43 51 Fifth Third Bank, Cincinnati 3,477,542

44 54 First Tennessee Bank NA, Memphis 1,930,525

45 55 First Security Bk of Utah NA, Salt Lak 4,354,469

46 42 Bank One Texas NA, Dallas 3,530,563

47 58 Summit Bancorp, Princeton, N.J. 1,759,678

48 65 Huntington National Bank, Columbus, Oh 2,973,255

49 62 Bank One Arizona NA, Phoenix 3,324,775

50 78 Union Bank of California, San Francisc 1,767,734

51 93 LaSalle National Corp., Chicago 5,954,249

52 60 Chase Manhattan Bank, Wilmington, Del. 81,073

53 87 Old Kent Bk & Trust Co., Grand Rapids, 1,819,075

54 66 Crestar Bank, Richmond 2,092,835

55- Regions Bank, Birmingham, Ala. NA

56 75 Bank of Hawaii, Honolulu 2,877,585

57 71 First of America Bank, Kalamazoo, Mich 1,870,460

58 74 USAA Federal Savings Bank, San Antonio 6,225,161

59- Manufacturers & Traders Trust Co., Buf 3,373,393

60 73 First Financial Bank, Stevens Point, W 6,057,149

61 69 Deposit Guaranty National Bank, Jackso 5,211,915

62 61 Commerce Bank NA, Kansas City, Mo. 2,579,636

63 83 Bankers Trust Co., New York 642,262

64 59 First Premier Bank NA, Sioux Falls, S. 3,962,092

65 76 SunTrust Bank Central Florida, Orlando 1,694,596

66 88 Wachovia Bank of S.C., Columbia 2,190,928

67 86 Mercantile Bank of St. Louis NA 2,283,557

68 112 Liberty Bank & Trust Co., Oklahoma Cit 2,781,214

69- EFS National Bank, Memphis 51,421

70 72 Bank One Kentucky NA, Louisville 3,068,544

71 91 Signet Bank, Richmond 1,826,306

72- U.S. Bank of Washington, Seattle 936,208

73 90 Marine Midland Bank, Buffalo 499,038

74 130 Bank One Indianapolis NA 1,533,762

75 89 Star Bank NA, Cincinnati 1,356,870

76 82 Bank One Milwaukee NA 1,381,470

77 94 AAL Member Credit Union, Appleton, Wis 3,546,494

78 79 SouthTrust Bank of Alabama NA, BirmingNA

79 96 First Hawaiian Bank, Honolulu 1,263,586

80 101 American National Bank & Trust Co., Ch 734,954

81 105 First-Citizens Bank & Trust Co., Ralei 585,264

82- Union Planters National Bank, Memphis 299,984

83 102 Sanwa Bank California, San Francisco 1,211,444

84 99 Bank of Oklahoma NA, Tulsa 1,691,533

85 77 Key Bank of Washington, Tacoma 555,406

86 104 National Bank of Commerce, Lincoln, Ne 1,466,366

87 92 Bank of America Arizona, Phoenix 225,850

88 100 Hibernia National Bank, New Orleans 1,764,542

89 109 Barnett Bank NA, Jacksonville, Fla. 1,166,880

90 103 FirstMerit Bank, Akron, Ohio 1,623,133

91 108 First National Bank of Commerce, New O 588,954

92- Great Western Bank, Chatsworth, Calif. 2,317,020

93 115 Zions First National Bank, Salt Lake C 738,978

94 107 Frost National Bank, San Antonio 912,854

95- Imperial Bank, Inglewood, Calif. 269,542

96- Research Federal Credit Union, Warren, 2,006,084

97- National City Bank of Indiana, Indiana 908,596

98 110 PNC Bank Kentucky, Louisville 928,668

99 113 Barnett Bank of Central Florida NA, Wi 880,410 100 117 Provident Bank, Cincinnati 668,640

part 2 of 2

Rank Rank Originating Credit Total Annual

1996 1995 institution payments payments change

1 1 Chase Manhattan Ban 90,766,441 299,649,633 12

2 2 Norwest Bank Minnes 117,892,403 212,693,064 17

3 4 Bank One, Springfie 9,530,153 123,387,945 46

4 3 Wachovia Bank of Ge 62,187,419 91,854,606 8

5** NationsBank Corp., 56,302,306 86,757,536 17

6 6 Northern Trust Co., 51,471,873 86,598,782 38

7 7 First Union Nationa 48,884,287 78,709,164 26

8 12 Wells Fargo Bank NA 49,122,347 70,174,782 13

9 5 Bank of America NT& 49,349,076 67,018,996 5

10 15 Fleet Financial Gro 47,963,680 61,930,058 32

11 11 PNC Bank NA, Pittsb 40,432,632 54,294,460 40

12 14 KeyBank NA, Clevela 14,408,404 51,190,441 57

13 8 Mellon Bank NA, Pit 35,665,856 49,659,393 13

14** Boatmen's Bancshare 20,409,566 43,851,102 11

15 9 Citibank (Delaware) 15,826,753 41,770,482 2

16 13 First Chicago NBD, 21,561,840 39,874,469 16

17 20 Bank of Boston Corp 26,112,389 37,447,684 23

18 27 CoreStates Financia 25,418,000 36,311,000 55

19 19 First Bank NA, Minn 21,372,415 35,245,480 39

20 18 Texas Commerce Bank 19,777,426 31,746,043 21

21 26 Bank of America NW 18,634,774 29,644,884 39

22 17 Harris Trust & Savi 12,457,277 29,102,089 9

23 23 First Chicago NBD, 22,270,500 27,076,423 21

24 31 Bank One Columbus N 14,677,699 25,699,578 45

25 25 First National Bank 11,806,631 25,613,220 16

26 30 U.S. National Bank 13,400,430 23,929,339 27

27 29 Wachovia Bank of N. 12,341,025 22,988,759 21

28 28 UMB Bank NA, Kansas 7,618,356 21,802,407 28

29 24 Bank of America Ill 13,447,342 21,680,873 -2

30 46 Compass Bank, Birmi 7,484,520 19,851,579 69

31 33 Firstar Bank Milwau 10,962,225 19,787,429 25

32 32 SunTrust Bank, AtlaNA 18,200,000 14

33 39 First American Nati 2,769,934 17,623,746 25

34 41 Citibank NA, New Yo 13,216,829 17,601,026 30

35 48 State Street Bank & 7,715,001 16,582,937 43

36 36 National City Bank, 8,313,138 16,368,023 10

37 38 First National Bank 9,522,000 15,789,000 9

38 43 AmSouth Bank of Ala 8,700,895 14,501,492 8

39 45 Michigan National B 7,641,540 14,211,180 8

40 47 M&I Marshall & Ilsl 8,995,811 12,830,838 10

41 53 Bank of New York 9,225,539 12,059,017 25

42 50 Comerica Bank, Detr 8,966,717 11,999,286 17

43 51 Fifth Third Bank, C 7,843,221 11,320,763 11

44 54 First Tennessee Ban 8,362,263 10,292,788 21

45 55 First Security Bk o 5,099,600 9,454,069 19

46 42 Bank One Texas NA, 5,827,315 9,357,878 -31

47 58 Summit Bancorp, Pri 7,232,224 8,991,902 20

48 65 Huntington National 5,639,245 8,612,500 33

49 62 Bank One Arizona NA 5,152,233 8,477,008 26

50 78 Union Bank of Calif 6,621,740 8,389,474 58

51 93 LaSalle National Co 2,413,903 8,368,152 153

52 60 Chase Manhattan Ban 8,151,606 8,232,679 22

53 87 Old Kent Bk & Trust 6,315,294 8,134,369 104

54 66 Crestar Bank, Richm 5,801,882 7,894,717 24

55- Regions Bank, BirmiNA 7,742,000-

56 75 Bank of Hawaii, Hon 4,805,273 7,682,858 37

57 71 First of America Ba 5,380,121 7,250,581 20

58 74 USAA Federal Saving 800,731 7,025,892 24

59- Manufacturers & Tra 3,478,759 6,852,152-

60 73 First Financial Ban 651,742 6,708,891 16

61 69 Deposit Guaranty Na 801,220 6,013,135 -3

62 61 Commerce Bank NA, K 3,210,101 5,789,737 -14

63 83 Bankers Trust Co., 4,810,774 5,453,036 14

64 59 First Premier Bank 1,436,261 5,398,353 -24

65 76 SunTrust Bank Centr 3,649,820 5,344,416 -3

66 88 Wachovia Bank of S. 2,953,643 5,144,571 32

67 86 Mercantile Bank of 2,705,385 4,988,942 19

68 112 Liberty Bank & Trus 2,011,625 4,792,839-

69- EFS National Bank, 4,580,850 4,632,271-

70 72 Bank One Kentucky N 1,550,219 4,618,763 -20

71 91 Signet Bank, Richmo 2,741,135 4,567,441 27

72- U.S. Bank of Washin 3,414,690 4,350,898-

73 90 Marine Midland Bank 3,815,195 4,314,233 15

74 130 Bank One Indianapol 2,543,311 4,077,073 268

75 89 Star Bank NA, Cinci 2,671,242 4,028,112 8

76 82 Bank One Milwaukee 2,630,433 4,011,903 -16

77 94 AAL Member Credit U 453,915 4,000,409 23

78 79 SouthTrust Bank of NA 3,995,645 -24

79 96 First Hawaiian Bank 2,668,907 3,932,493 28

80 101 American National B 2,520,588 3,255,542 40

81 105 First-Citizens Bank 2,666,205 3,251,469 60

82- Union Planters Nati 2,688,825 2,988,809-

83 102 Sanwa Bank Californ 1,751,414 2,962,858 28

84 99 Bank of Oklahoma NA 1,204,592 2,896,125 -1

85 77 Key Bank of Washing 2,242,832 2,798,238 -48

86 104 National Bank of Co 1,294,653 2,761,019 30

87 92 Bank of America Ari 2,531,207 2,757,057 -22

88 100 Hibernia National B 895,473 2,660,015 8

89 109 Barnett Bank NA, Ja 1,416,524 2,583,404 48

90 103 FirstMerit Bank, Ak 948,741 2,571,874 19

91 108 First National Bank 1,959,249 2,548,203 38

92- Great Western Bank, 82,878 2,399,898-

93 115 Zions First Nationa 1,631,570 2,370,548 71

94 107 Frost National Bank 1,348,920 2,261,774 14

95- Imperial Bank, Ingl 1,916,081 2,185,623-

96- Research Federal Cr 123,482 2,129,566-

97- National City Bank 1,182,524 2,091,120-

98 110 PNC Bank Kentucky, 997,242 1,925,910 2

99 113 Barnett Bank of Cen 1,038,656 1,919,066 10 100 117 Provident Bank, Cin 1,189,114 1,857,754 33 ===

ACCOUNTING FOR MERGERS: In most cases, rankings and growth rates take into account previous entities. For example, Chase Manhattan Bank kept its No. 1 rank and its growth is based oncombined 1995 figures of Chase and Chemical Bank. ** denotes cases where these comparisons are not meaningful or could not be accurately calculated. SOURCE NOTE: Most data were provided by regional clearing houses. Some were verified or provided by the financial institutions.

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