| 
Submitted By | 
Date Received | 
| Annetta Cheek - Comment | 04/20/04 | 
| Commerce Bancshares, Inc., Kansas City, MO - Comment | 05/28/04 | 
| Consumers Union, San Francisco, CA - Comment | 06/24/04 | 
| Independent Bankers Association of Texas - Comment | 07/09/04 | 
| Joseph F. Pryor, Sugar Land, TX - Comment | 07/13/04 | 
| VISA, San Francisco, CA - Comment | 07/13/04 | 
| First Premier Bank, Sioux Falls, SD - Comment | 07/14/04 | 
| Evolution Benefits, Avon, CT - Comment | 07/15/04 | 
| Bank of America, N.A., San Francisco, CA - Comment | 07/15/04 | 
| Navy Federal Credit Union, Merrifield, VA - Comment | 07/15/04 | 
| Manufacturers and Traders Trust Company, Buffalo, NY - Comment | 07/15/04 | 
| American Financial Services Association - Comment | 07/15/04 | 
| Independent Community Bankers of America, Washington, DC -
       Comment | 07/16/04 | 
| Credit Union National Association, Washington, DC - 
        Comment | 07/16/04 | 
| Barack Ferrazzano Kirschbaum Perlman & Nagelberg LLP, Chicago, IL - 
        Comment | 07/16/04 | 
| KeyCorp - Comment | 07/16/04 | 
| Association for Financial Professionals - Comment | 07/16/04 | 
| First National Bank of Omaha - Comment | 07/16/04 | 
| Central National Bank & Trust Company, Enid, OK - Comment | 07/16/04 | 
| AmSouth Bank, Birmingham, AL - Comment | 07/16/04 | 
| Synovus Financial Corporation - Comment | 07/16/04 | 
| State of Oregon, Division of Finance and Corporate Securities - Comment | 07/16/04 | 
| JPMorgan Electronic Financial Services, Chicago, IL - Comment | 07/16/04 | 
| California Bankers Association, San Francisco, CA - Comment | 07/16/04 | 
| American Bankers Association, Washington, DC - Comment | 07/16/04 | 
| Travelers Express Company  - Comment | 07/15/04 | 
| Wells Fargo, San Francisco, CA - Comment | 07/15/04 | 
| Center for Financial Services Innovation, Chicago, IL - Comment | 07/16/04 | 
| America's Community Bankers - Comment | 07/16/04 | 
| Wachovia Corporation - Comment | 07/16/04 | 
| Boeing Employees' Credit Union, Seattle, WA - Comment | 07/20/04 | 
| MasterCard International, 
        Purchase, NY -
        
Comment | 07/16/04 | 
| First Data Corp, Englewood, 
        CO -
        
Comment | 07/16/04 | 
| PNC Bank, Pittsburgh, PA -  
        
Comment | 08/06/04 | 
| Federal Reserve Bank of 
        Philadelphia Conference Summary -  
        
Comment | 07/29/04 | 
| Electronic Funds Transfer 
        Association, Herndon, VA -  
        
Comment | 07/29/04 |