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                                                                   EXHIBIT 10.28

                            NATIONAL PROCESSING, INC.
                             2000 STOCK OPTION PLAN
                             as Amended and Restated
                           Effective November 14, 2002


1.   PURPOSES. The purposes of this 2000 Stock Option Plan are to provide
     employment incentives and to encourage capital accumulation and stock
     ownership by Eligible Employees of National Processing, Inc. ("National
     Processing") or any of its Subsidiaries, and to provide to designated
     Optionees under stock options heretofore or hereafter granted pursuant to
     any stock option plan of National Processing or 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 relinquished 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 of Directors" means the Board of Directors of
     National Processing.

          (e) The term "Committee" means the Committee provided for in Paragraph
     10(a) of this Plan.

          (f) The term "Common Stock" means Common Stock, of National Processing
     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.

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

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

          (i) The term "Incentive Stock Option" means an Option Right granted by
     National Processing 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.

          (j) The term "Market Value per Share" means, at any date, the closing
     price of a share of Common Stock on the New York Stock Exchange on the
     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 of
     Directors using quotations in such other market.

          (k) The term "Option Agreement" shall have the meaning set forth in
     Section 6(e).

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

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

          (n) The term "Outstanding Option" means, at any time, an option to
     purchase shares of Common Stock granted by National Processing or any of
     its Subsidiaries pursuant to this Plan or any other stock option plan of
     National Processing or any such Subsidiary now or hereafter in effect, or
     pursuant to any stock option plan of any corporation which is merged into
     National Processing and where National Processing has by action of its
     Board of Directors, assumed the obligations of such corporation under such
     stock option plan, all whether or

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     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.

          (o) 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.

          (p) The term "Subsidiary" shall mean any entity in which National
     Processing beneficially owns or controls, directly or indirectly, 50% or
     more of the voting equity securities.

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 5,000,000
     shares of Common Stock which are made available for sale by virtue of this
     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 National Processing (a) in
     connection with the exercise of an Option Right or (b) in payment of
     federal, state and local income tax withholding liabilities upon exercise
     of an Option Right.

          (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 5,000,000.

          (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
     National Processing 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 of Directors 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 1,500,000 Option Rights or
     Appreciation Rights, subject to adjustment pursuant to Section 8 of this
     Plan over any ten year period.

          (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 of Directors or such later date designated by
     the Board of Directors, 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 ten years from such date of
     grant.

          (f) Upon exercise of an Option Right, the option price shall be
     payable (i) in cash, (ii) by the transfer to National Processing 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, or (iii) by a
     combination of such methods of payment.

          (g) Each grant of Option Rights shall be evidenced by an agreement
     executed on behalf of National Processing by any officer designated by the
     Board of Directors 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 of Directors may approve.


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          (h) No Option Rights, intended to be an Incentive Stock Option, shall
     be granted hereunder to any Optionee which would allow the aggregate fair
     market (determined at the time the Option Rights are granted) of the stock
     subject of Option Rights, including the Incentive Stock Option in question,
     which such Optionee may exercise for the first time during any calendar
     year, to exceed $100,000. Any Option Rights intended to be Incentive Stock
     Options granted by any "parent," as such term is used in Section 422A of
     the Internal Revenue Code, as amended, of National Processing pursuant to
     such parent's Stock Option plans, shall be included in the definition of
     Option Rights for the purpose of determining the $100,000 limitation.

5.   ADDITIONAL OPTION.

          (a) The Board of Directors may, at or after the date of grant of
     Option Rights, grant Additional Options.

          (b) If an Optionee exercises an Outstanding Option that has an
     Additional Option Feature by transferring already owned shares of Common
     Stock and/or when shares of Common Stock are tendered or relinquished as
     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) The Additional Option will not have an Additional Option Feature
     unless the Board of Directors directs otherwise;

          (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) 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 of Directors 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 National Processing an
     amount which shall be determined by the Board of Directors 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 National Processing in cash, in shares of
     Common Stock or in any combination thereof, and may either grant to the
     Optionee or retain in the Board of Directors 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 National City by any officer designated by
     the Board of Directors for this purpose and delivered to and

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     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 of Directors to amend, suspend or terminate such
     Appreciation Right as set forth in Paragraph 11(c) of this Plan, and
     contain such other terms and provisions, consistent with this Plan, as the
     Board of Directors may approve (the "Option Agreement"). A failure by the
     Optionee to execute and deliver to National Processing the Option Agreement
     within 60 days after the grant of Option Rights may terminate the Option
     Rights upon the determination of the Board of Directors.

7.   TRANSFERABILITY. Except as otherwise provided for by the Board of
     Directors, 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. Unless the Board of Directors directs otherwise, 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.

8.   ADJUSTMENTS. The Board of Directors may make or provide for such
     adjustments in the maximum numbers and kind of shares of Common Stock
     specified in Paragraphs 3(b) and (c) and 4(c) of this Plan, in the numbers
     and kind 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 such 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
     National Processing, merger, consolidation, spin-off, reorganization,
     partial or complete liquidation, issuance of rights or warrants to purchase
     securities, or other corporate transaction or event having an effect
     similar to any of the foregoing.

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

10.  ADMINISTRATION OF THE PLAN.

          (a) This Plan shall be administered by the Board of Directors, which
     may from time to time delegate all or any part of its authority under this
     Plan to a Compensation Committee of the Board of Directors, a subcommittee
     of the Compensation Committee, or another committee of directors of
     National Processing appointed by the Board of Directors to serve as the
     committee responsible for administering this Plan (the "Committee"). To the
     extent of such delegation, references herein to the "Board of Directors"
     shall include the Committee. The Board of Directors may name assistants who
     may be, but need not be, members of the Committee. Such assistants shall
     serve at the pleasure of the Board of Directors, and shall perform such
     functions as are provided for herein and such other functions as may be
     assigned by the Board of Directors.

          (b) The interpretation and construction by the Board of Directors 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 of
     Directors pursuant to any provision of this Plan or of any such agreement
     shall be final and conclusive. No member of the Board of Directors or any
     assistant shall be liable for any action taken or omitted in connection
     with the interpretation or administration of this Plan or any grant unless
     attributable to his or her own willful misconduct or lack of good faith.

11.  AMENDMENTS, ETC.

          (a) This Plan may be amended from time to time by the Board of
     Directors but without further approval by the shareholders of National
     Processing no such amendment shall (i) increase the maximum numbers of
     shares of Common Stock specified in Paragraphs 3(b) and (c) and 4(c) of
     this Plan (except that adjustments authorized by Section 8 of this Plan
     shall not be limited by this provision), (ii) change the definition of
     "Eligible Employees", or (iii) materially increase the benefits accruing to
     Optionees hereunder.

          (b) Except as provided in Section 8 of the Plan, the Committee shall
     not, without the further approval of shareholders of National City,
     authorize the amendment of any outstanding Option Right to reduce the
     option price. Furthermore, no Option Rights shall be cancelled and replaced
     with awards having a lower option

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     price (except as provided by Sections 5 and 8 of this Plan) without the
     further approval of the shareholders of National Processing.

          (c) The Board of Directors may at any time amend, suspend or terminate
     any agreement evidencing Appreciation Rights granted under this Plan; in
     the case of an amendment, the amended Appreciation Right shall conform to
     the provisions of this Plan.

          (d) In the case of any Option or Appreciation Right not immediately
     exercisable in full, the Board of Directors in its discretion may
     accelerate the time at which Option or Appreciation Rights may be
     exercised.

12.  ASSUMPTIONS.

          (a) In the event that a corporation is merged into National
     Processing, and National Processing is the survivor of such merger, the
     Board of Directors 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 of Directors 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 10 hereunder.

13.  MISCELLANEOUS.

          (a) All expenses and costs in connection with the operation of the
     Plan shall be borne by National Processing.

          (b) This Plan shall be construed in accordance with and governed by
     the internal substantive laws of the State of Ohio.

          (c) This Plan shall be binding upon and inure to the benefit of
     National Processing, its successors and assigns and each Participant and
     his or her beneficiaries, heirs, executors, administrators and legal
     representatives.


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