**EXHIBIT A**             **APPLICABLE**      **SERVICING**      **CRITERIA**      **Performed** **Performed** **INAPPLICABLE****SERVICING CRITERIA** **by** **by** **SERVICING****Reference** **Criteria** **Servicer** **Vendor(s)** **CRITERIA****General Servicing Considerations**         1122(d)(1)(i) Policies andprocedures areinstituted tomonitor anyperformance orother triggers andevents of defaultin accordance withthe transactionagreements. **X****1**             1122(d)(1)(ii) If any materialservicingactivities areoutsourced to thirdparties, policiesand procedures areinstituted tomonitor the thirdparty’s performanceand compliance withsuch servicingactivities. **X**             1122(d)(1)(iii) Anyrequirements in thetransactionagreements tomaintain a back-upservicer for thepool assets aremaintained.     **X**         1122(d)(1)(iv) A fidelity bondand errors andomissions policy isin effect on theparty participatingin the servicingfunction throughoutthe reportingperiod in theamount of coveragerequired by andotherwise inaccordance with theterms of thetransactionagreements. **X**             **Cash Collection and Administration**         1122(d)(2)(i) Payments onpool assets aredeposited into theappropriatecustodial bankaccounts andrelated bankclearing accountsno more than twobusiness days ofreceipt, or suchother number ofdays specified inthe transactionagreements. **X** **X****2**           1122(d)(2)(ii) Disbursementsmade via wiretransfer on behalfof an obligor or toan investor aremade only byauthorizedpersonnel. **X**             1122(d)(2)(iii) Advances offunds or guaranteesregardingcollections, cashflows ordistributions, andany interest orother fees chargedfor such advances,are made, reviewedand approved asspecified in thetransactionagreements.     **X**         1122(d)(2)(iv) The relatedaccounts for thetransaction, suchas cash reserveaccounts oraccountsestablished as aform of overcollateralization,are separatelymaintained (e.g.,with respect tocommingling ofcash) as set forthin the transactionagreements. **X**             1122(d)(2)(v) Each custodialaccount ismaintained at afederally insureddepositoryinstitution as setforth in thetransactionagreements. Forpurposes of thiscriterion,“federally insureddepositoryinstitution” withrespect to aforeign financialinstitution means aforeign financialinstitution thatmeets therequirements ofRule 13k-1(b)(1) ofthe SecuritiesExchange Act. **X**     1 The Asserting Party monitors events ofdefault as obligated pursuant to the transaction agreements. 2 The Asserting Party processes payments onassets, including payments received by the lockbox vendor First Express, whichare deposited in the appropriate custodial and related clearing accounts.
 

 
             **APPLICABLE**      **SERVICING**      **CRITERIA**      **Performed** **Performed** **INAPPLICABLE****SERVICING CRITERIA** **by** **by** **SERVICING****Reference** **Criteria** **Servicer** **Vendor(s)** **CRITERIA**1122(d)(2)(vi) Unissued checksare safeguarded soas to preventunauthorizedaccess.     **X**         1122(d)(2)(vii) Reconciliationsare prepared on amonthly basis forall asset-backedsecurities relatedbank accounts,including custodialaccounts andrelated bankclearing accounts.Thesereconciliations are(A) mathematicallyaccurate; (B)prepared within 30calendar days afterthe bank statementcutoff date, orsuch other numberof days specifiedin the transactionagreements; (C)reviewed andapproved by someoneother than theperson who preparedthe reconciliation;and (D) containexplanations forreconciling items.These reconcilingitems are resolvedwithin 90 calendardays of theiroriginalidentification, orsuch other numberof days specifiedin the transactionagreements. **X**             **Investor Remittances and Reporting**         1122(d)(3)(i) Reports toinvestors,including those tobe filed with theCommission, aremaintained inaccordance with thetransactionagreements andapplicableCommissionrequirements.Specifically, suchreports (A) areprepared inaccordance withtimeframes andother terms setforth in thetransactionagreements; (B)provide informationcalculated inaccordance with theterms specified inthe transactionagreements; (C) arefiled with theCommission asrequired by itsrules andregulations; and(D) agree withinvestors’ or thetrustee’s recordsas to the totalunpaid principalbalance and numberof pool assetsserviced by theServicer. **X**             1122(d)(3)(ii) Amounts due toinvestors areallocated andremitted inaccordance withtimeframes,distributionpriority and otherterms set forth inthe transactionagreements. **X****3**             1122(d)(3)(iii) Disbursementsmade to an investorare posted withintwo business daysto the Servicer’sinvestor records,or such othernumber of daysspecified in thetransactionagreements.     **X**         1122(d)(3)(iv) Amountsremitted toinvestors per theinvestor reportsagree withcancelled checks,or other form ofpayment, orcustodial bankstatements. **X****4**             **Pool Asset Administration**         1122(d)(4)(i) Collateral orsecurity on poolassets ismaintained asrequired by thetransactionagreements orrelated pool assetdocuments.     **X**         1122(d)(4)(ii) Pool asset andrelated documentsare safeguarded asrequired by thetransactionagreements **X**     3 The Asserting Party remits amounts to theappropriate party pursuant to the transaction agreements. 4 The Asserting Party reconciles its recordsrelating to disbursements made to the appropriate party pursuant to thetransaction agreements.
 

 
             **APPLICABLE**      **SERVICING**      **CRITERIA**      **Performed** **Performed** **INAPPLICABLE****SERVICING CRITERIA** **by** **by** **SERVICING****Reference** **Criteria** **Servicer** **Vendor(s)** **CRITERIA**1122(d)(4)(iii) Any additions,removals orsubstitutions tothe asset pool aremade, reviewed andapproved inaccordance with anyconditions orrequirements in thetransactionagreements. **X**             1122(d)(4)(iv) Payments onpool assets,including anypayoffs, made inaccordance with therelated pool assetdocuments areposted to theServicer’s obligorrecords maintainedno more than twobusiness days afterreceipt, or suchother number ofdays specified inthe transactionagreements, andallocated toprincipal, interestor other items(e.g., escrow) inaccordance with therelated pool assetdocuments. **X** **X****5**           1122(d)(4)(v) The Servicer’srecords regardingthe pool assetsagree with theServicer’s recordswith respect to anobligor’s unpaidprincipal balance. **X**             1122(d)(4)(vi) Changes withrespect to theterms or status ofan obligor’s poolasset (e.g., loanmodifications orre-agings) aremade, reviewed andapproved byauthorizedpersonnel inaccordance with thetransactionagreements andrelated pool assetdocuments. **X**             1122(d)(4)(vii) Loss mitigationor recovery actions(e.g., forbearanceplans,modifications anddeeds in lieu offoreclosure,foreclosures andrepossessions, asapplicable) areinitiated,conducted andconcluded inaccordance with thetimeframes or otherrequirementsestablished by thetransactionagreements. **X**             1122(d)(4)(viii) Recordsdocumentingcollection effortsare maintainedduring the period apool asset isdelinquent inaccordance with thetransactionagreements. Suchrecords aremaintained on atleast a monthlybasis, or suchother periodspecified in thetransactionagreements, anddescribe theentity’s activitiesin monitoringdelinquent poolassets including,for example, phonecalls, letters andpaymentrescheduling plansin cases wheredelinquency isdeemed temporary(e.g., illness orunemployment). **X**             1122(d)(4)(ix) Adjustments tointerest rates orrates of return forpool assets withvariable rates arecomputed based onthe related poolasset documents. **X**     5 The Asserting Party processes payments onassets, including payments received by the lockbox vendor First Express, whichare deposited in the appropriate custodial and related clearing accounts.
 

 
             **APPLICABLE**      **SERVICING**      **CRITERIA**      **Performed** **Performed** **INAPPLICABLE****SERVICING CRITERIA** **by** **by** **SERVICING****Reference** **Criteria** **Servicer** **Vendor(s)** **CRITERIA**1122(d)(4)(x) Regarding anyfunds held in trustfor an obligor(such as escrowaccounts): (A) suchfunds are analyzed,in accordance withthe obligor’s poolasset documents, onat least an annualbasis, or suchother periodspecified in thetransactionagreements; (B)interest on suchfunds is paid, orcredited, toobligors inaccordance withapplicable poolasset documents andstate laws; and (C)such funds arereturned to theobligor within 30calendar days offull repayment ofthe related poolassets, or suchother number ofdays specified inthe transactionagreements.     **X**         1122(d)(4)(xi) Payments madeon behalf of anobligor (such astax or insurancepayments) are madeon or before therelated penalty orexpiration dates,as indicated on theappropriate billsor notices for suchpayments, providedthat such supporthas been receivedby the servicer atleast 30 calendardays prior to thesedates, or suchother number ofdays specified inthe transactionagreements.     **X**         1122(d)(4)(xii) Any latepayment penaltiesin connection withany payment to bemade on behalf ofan obligor are paidfrom the servicer’sfunds and notcharged to theobligor, unless thelate payment wasdue to theobligor’s error oromission.     **X**         1122(d)(4)(xiii) Disbursementsmade on behalf ofan obligor areposted within twobusiness days tothe obligor’srecords maintainedby the servicer, orsuch other numberof days specifiedin the transactionagreements.     **X**         1122(d)(4)(xiv) Delinquencies,charge-offs anduncollectibleaccounts arerecognized andrecorded inaccordance with thetransactionagreements. **X**             1122(d)(4)(xv) Any externalenhancement orother support,identified in Item1114(a)(1) through(3) or Item 1115 ofRegulation AB, ismaintained as setforth in thetransactionagreements.     **X**
 

 
**EXHIBIT B****National City Credit Card Master Note Trust Series 2005-1**