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                                                                   EXHIBIT 10.29

                           NATIONAL PROCESSING COMPANY
                             1996 STOCK OPTION PLAN
                             AS AMENDED AND RESTATED
                                NOVEMBER 14, 2002

1. PURPOSES. The purpose of this 1996 Stock Option Plan is to provide employment
incentives and to encourage capital accumulation and stock ownership by Eligible
Employees of National Processing, Inc. (the "Company") or of any of its
Subsidiaries, and to provide to designated Optionees under stock options granted
pursuant to any stock option plan of the Company or of any of its Subsidiaries
an alternative method of realizing the benefits provided by such stock options.

2. DEFINITIONS. As used in this Plan,

     (a) "Additional Option" means an Option Right granted to an Optionee to
purchase a number of shares of Common Stock equal to the number of shares of
already owned Common Stock delivered by the Optionee as payment of the exercise
price upon exercise of an Option Right and/or the number of shares of Common
Stock tendered or relinquished as payment of the amount to be withheld under
applicable federal, state and local income tax laws in connection with the
exercise of an option as described in Section 5.

     (b) "Additional Option Feature" means a feature of an Option that provides
for the automatic grant of an Additional Option in accordance with the
provisions described in Section 5.

     (c) The term "Appreciation Right" means a right granted pursuant to Section
6 of this Plan.

     (d) The term "Board" means the Board of Directors of the Company.

     (e) The term "Common Stock" means Common Stock, without par value, of the
Company or any security into which such Common Stock may be changed by reason of
any transaction or event of the type described in Section 8 of this Plan.

     (f) The term "Eligible Employees" means persons who are at the time the
officers (including officers who are members of the Board) and other key
employees of the Company or of any of its Subsidiaries.

     (g) The term "Market Value per Share" means, at any date, the closing
priceof a share of Common Stock, on the New York Stock Exchange on that trading
day immediately preceding such date as reported by The Wall Street Journal
(Midwest Edition) or, if the Common Stock shall be primarily traded in another
market, as determined in a manner specified by the Board using quotations in
such other market, and prior to or within 10 days after the commencement of any
such trading, the fair market value per share of the Common Stock as determined
by the Board in its discretion. 2

     (h) The term "Optionee" shall mean the optionee named in an agreement
evidencing an Outstanding Option.

     (i) The term "Option Right" means the right to purchase a share of Common
Stock upon exercise of an Outstanding Option.

     (j) The term "Outstanding Option" means, at any time, an option to purchase
shares of Common Stock granted by the Company or any of its Subsidiaries
pursuant to this Plan or any other stock option plan of the Company or any such
Subsidiary now or hereafter in effect, or pursuant to any stock option plan of
any corporation which is merged into the Company and where the Company has by
action of its Board, assumed the obligations of such corporation under such
stock option plan, all whether or not such option is at the time exercisable, to
the extent that such option at such time has not been exercised and has not
terminated.

     (k) The term "Spread" means the excess of the Market Value per Share of
Common Stock on the date when an Appreciation Right is exercised over the option
price provided for in the related Option Right.

     (l) The term "Subsidiary" shall mean any corporation in which at the time
the Company owns or controls, directly or indirectly, not less than 50% of the
total combined voting power represented by all classes of stock issued by such
corporation.

     (m) The term "Internal Revenue Code" means the Internal Revenue Code of
1986, as amended from time to time.


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     (n) The term "Incentive Stock Option" means an Option Right granted by the
Company to an eligible employee, which Option Right is intended to qualify as an
"Incentive Stock Option" as that term is used in Section 422 of the Internal
Revenue Code.

3. SHARES AVAILABLE UNDER PLAN.

     (a) The shares of Common Stock which may be made the subject of Option
Rights and Appreciation Rights pursuant to this Plan may be treasury shares or
shares of original issue or a combination of the foregoing.

     (b) Subject to adjustments in accordance with Section 8 of this Plan, the
maximum number of shares of Common Stock which may be sold upon the exercise of
Option Rights granted pursuant to this Plan shall be 4,000,000 shares of Common
Stock which are made available for sale by virtue of this 2 3 Plan. For purposes
of determining the number of shares that may be sold under the Plan, such number
shall increase by the number of shares surrendered by an optionee or
relinquished to the Company (a) in connection with the exercise of a Stock
Option or (b) in payment of federal, state and local income tax withholding
liabilities upon exercise of an Option Right, provided, however, that the number
of shares of Common Stock actually issued or transferred by the Company upon the
exercise of Incentive Stock Options shall not exceed the number of shares of
Common Stock specified in the first sentence of this Paragraph 3(b), subject to
adjustment as herein provided.

     (c) Subject to adjustments in accordance with Section 8 of this Plan, the
maximum number of shares of Common Stock which may be delivered upon the
exercise of Appreciation Rights granted pursuant to this Plan shall not exceed
4,000,000.

     (d) Shares covered by Option Rights cancelled upon exercise of Appreciation
Rights shall not be available for the granting of further Option Rights under
this Plan or under any other stock option plan of the Company or of any of its
Subsidiaries, anything in this Plan or such other stock option plan to the
contrary notwithstanding.

4. GRANTS OF OPTION RIGHTS. The Board may, from time to time and upon such terms
and conditions as it may determine, authorize the granting to Eligible Employees
of Option Rights. Each such grant may utilize any or all of the authorizations,
and shall be subject to all of the limitations, contained in the following
provisions:

     (a) Each grant shall specify the number of shares of Common Stock to which
it pertains.

     (b) Each grant shall specify an option price per share not less than the
Market Value per Share on the date of grant.

     (c) Successive grants may be made to the same Eligible Employee whether or
not any Option Rights previously granted to such Eligible Employee remain
unexercised. No Eligible Employee may, however, be granted under this plan, in
the aggregate, more than 400,000 Option Rights, subject to adjustment pursuant
to Section 8 of this Plan.

     (d) Option Rights granted under this Plan may be (i) options which are
intended to qualify under particular provisions of the Internal Revenue Code, as
in effect from time to time, (ii) options which are not intended so to qualify,
or (iii) combinations of the foregoing.

     (e) The date of grant of each Option Right shall be the date of its
authorization by the Board, except that the date of grant of an Additional
Option shall be the date of exercise of the underlying Option Right. No Option
Right shall be exercisable more than 10 years from such date of grant. 3 4

     (f) Upon exercise of an Option Right, the option price shall be payable (i)
in cash, (ii) by the transfer to the Company by the Optionee of shares of Common
Stock with a value (Market Value per Share times the number of shares) equal to
the total option price, (iii) at the discretion of the Board, from the proceeds
of a sale through a broker on the date of exercise of some or all of the shares
of Common Stock to which the exercise relates, or (iv) by any combination of
such methods of payment.

     (g) Each grant of Option Rights shall be evidenced by an agreement executed
on behalf of the Company by any officer designated by the Board for this purpose
and delivered to and accepted by the Eligible Employee and shall contain such
terms and provisions, consistent with this Plan, as the Board may approve.

5. ADDITIONAL OPTION.

     (a) The Board may, at or after the date of grant of Option Rights, grant
Additional Options. Additional Options may be granted with respect to any
Outstanding Option.

     (b) If an Optionee exercises an Outstanding Option that has an Additional
Option Feature by delivering already owned shares of Common Stock and/or when
shares of Common Stock are tendered or relinquished as

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payment of the amount to be withheld under applicable federal, state and local
income tax laws (at withholding rates not to exceed the Optionee's applicable
marginal tax rates) in connection with the exercise of an option, the Optionee
shall automatically be granted an Additional Option. The Additional Option shall
be subject to the following provisions:

     (1)  The Additional Option shall cover the number of shares of Common Stock
          equal to the sum of (A) the number of shares of Common Stock delivered
          as consideration upon the exercise of the previously granted
          Outstanding Option to which such Additional Option Feature relates and
          (B) the number of shares of Common Stock tendered or relinquished as
          payment of the amount to be withheld under applicable federal, state
          and local income tax laws in connection with the exercise of the
          option to which such Additional Option Feature relates;

     (2)  (2) The Additional Option will not have an Additional Option Feature
          unless the Board directs otherwise;

     (3)  (3) The Additional Option option price shall be 100% of the Market
          Value per Share on the date the employee delivers shares of Common
          Stock to exercise the Option that has the Additional Option Feature
          and/or delivers or forfeits shares of Common Stock in payment of
          income tax withholding on the exercise of an Option that has the
          Additional Option Feature;

     (4)  (4) The Additional Option shall not be exercised within the first six
          months after it is granted; provided that this restriction shall not
          apply if the Optionee becomes disabled or dies during the six-month
          period; and 4 5

     (5)  (5) The Additional Option shall have the same termination date and
          other termination provisions as the underlying Option that had the
          Additional Option Feature.

6. GRANTS OF APPRECIATION RIGHTS. The Board may from time to time authorize the
granting of Appreciation Rights in respect of any or all of the Option Rights
under any Outstanding Option (including Options Rights simultaneously granted)
to the Optionee thereunder. An Appreciation Right shall be a right in the
Optionee to receive from the Company an amount which shall be determined by the
Board and shall be expressed as a percentage of the Spread (not exceeding 100%)
at the time of exercise. To the extent such Optionee elects to exercise such
Appreciation Right instead of the related Option Right, the related Option Right
shall be cancelled, and vice versa. Each such grant may utilize any or all of
the authorizations, and shall be subject to all of the limitations, contained in
the following provisions:

     (a) Any grant may permit the exercise of an Appreciation Right with respect
to the value of shares of Common Stock covered by the related Option Rights.

     (b) Any grant may specify that the amount payable on exercise of an
Appreciation Right may be paid by the Company in cash, in shares of Common Stock
or in any combination thereof, and may either grant to the Optionee or retain in
the Board the right to elect among those alternatives.

     (c) Each grant shall provide that the maximum number of shares of Common
Stock deliverable upon exercise of an Appreciation Right may not exceed the
number of shares of Common Stock purchasable upon exercise of the related Option
Rights.

     (d) Any grant may specify waiting periods before exercise and permissible
exercise dates or periods. No Appreciation Right shall be exercisable except at
a time when the related Option Right is also exercisable.

     (e) Each grant of an Appreciation Right shall be evidenced by an agreement
executed on behalf of the Company by any officer designated by the Board for
this purpose and delivered to and accepted by the Optionee, which agreement
shall describe such Appreciation Right, identify the related Option Rights,
state that such Appreciation Right is subject to all the terms and conditions of
this Plan, including the right of the Board to amend, suspend or terminate such
Appreciation Right as set forth in Paragraph 11 of this Plan, and contain such
other terms and provisions, consistent with this Plan, as the Board may approve.

7. TRANSFERABILITY. No Option Right including any related Appreciation Right
shall be transferable by an Optionee other than by will or the laws of descent
and distribution. Option Rights and Appreciation Rights shall be exercisable
during the Optionee's lifetime only by the Optionee or by the Optionee's
guardian or legal representative.


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8. ADJUSTMENTS. The Board may make or provide for such adjustments in the
maximum numbers of shares of Common Stock specified in Paragraphs 3(b) and (c)
and 4(c) of this Plan, in the numbers of shares of Common Stock covered by
Option Rights and Appreciation Rights granted hereunder, and in the prices per
share applicable under such Option Rights and Appreciation Rights, as the Board
in its sole discretion, exercised in good faith, may determine is equitably
required to prevent dilution or enlargement of the rights of Optionees that
otherwise would result from any stock dividend, stock split, combination of
shares, recapitalization or other change in the capital structure of the
Company, merger, consolidation, spin-off, reorganization, partial or complete
liquidation, issuance of rights or warrants to purchase securities, or any other
corporate transaction or event having an effect similar to any of the foregoing.
5 6

9. FRACTIONAL SHARES. The Company shall not be required to issue any fractional
share of Common Stock pursuant to this Plan. The Board may provide for the
elimination of fractions or for the settlement of fractions in cash.

10. ADMINISTRATION OF THE PLAN.

     (a) The Plan shall be administered by the Board who may from time to time
delegate all or any part of its authority under the Plan to a committee of not
less than three Directors appointed by the Board. Moreover, except as the Board
may otherwise determine, so long as all of the Company's outstanding shares are
owned by National City Corporation, all matters relating to the award of Option
Rights under Paragraphs 4 and 5 of the Plan shall be, and are hereby delegated
to the Compensation and Organization Committee of National City Corporation. To
the extent of such delegation, references in the Plan to the Board shall also
refer to the appropriate committee.

     (b) The interpretation and construction by the Board of any provision of
this Plan or of any agreement evidencing the grant of Option Rights or
Appreciation Rights and any determination by the Board pursuant to any provision
of this Plan or of any such agreement shall be final and conclusive. No member
of the Board shall be liable for any such action or determination made in good
faith.

11. AMENDMENTS OR TERMINATION OF THE PLAN. The Board may, at any time, suspend
or discontinue the Plan or revise or amend it in any respect whatsoever;
provided, however, that if and to the extent required by Rule 16b-3 promulgated
under Section 16(b) of the Securities Exchange Act of 1934, as amended, or by
any comparable or successor exemption under which the Board believes it is
appropriate for the Plan to qualify, if and to the extent required under Section
422 of the Internal Revenue Code (if and to the extent that the Board deems it
appropriate to comply with Section 422) and if and to the extent required to
treat some or all of the Option Right and Appreciation Right grants as
"performance-based compensation" within the meaning of Section 162(m) of the
Internal Revenue Code (if and to the extent that the Board deems it appropriate
to meet such requirements), no amendment shall be effective without the approval
of the shareholders of the Company, that (i) except as provided in Section 8
hereof, increases the number of shares of Common Stock with respect to which
Awards of Option Rights and Appreciation Rights may be issued under the Plan,
(ii) materially increases the benefits accruing to Optionees pursuant to the
Plan or (iii) materially modifies the 6 7 definition of "Eligible Employees". No
action under this Section 11 may, without the consent of the Optionee, reduce an
Optionee's rights under any previously granted and outstanding Option Right.

12. ASSUMPTIONS. In the event that a corporation is merged into the Company, and
the Company is the survivor of such merger, the Board may elect, in its sole
discretion, to assume under this Plan any or all outstanding options granted by
such corporation to its officers and employees under any stock option plan
adopted by it prior to such merger. Such assumptions shall be on such terms and
conditions as the Board may determine in its sole discretion, provided, however,
that the options as assumed do not provide or contain any terms, conditions or
rights which an Option Right may not provide or contain under Sections 2 through
11 hereunder.