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1.
    
    National City Bank (the Servicer) is responsible for assessing compliance with the
servicing criteria applicable to it under paragraph (d) of Item 1122 of Regulation AB, as of
and for the 12-month period ending December 31, 2007 (the Reporting Period), as set forth in
Exhibit A hereto. The transactions covered by this report include all asset-backed securities
transactions conducted by National City Credit Card Master Note Trust that were registered
with the Securities and Exchange Commission pursuant to the Securities Act of 1933 where the
related asset-backed securities were outstanding at any time during the Reporting Period (the
Platform).
 2.
    
    The Servicer has engaged certain vendors (Vendors) to perform specific, limited or scripted
activities, and the Servicer elects to take responsibility for assessing compliance with the
servicing criteria or portion of the servicing criteria applicable to such Vendors activities
as set forth in Exhibit A hereto.
 3.
    
    Except as set forth in paragraph 4 below, the Servicer used the criteria set forth in
paragraph (d) of Item 1122 of Regulation AB to assess the compliance with the applicable
servicing criteria.
 4.
    
    The criteria listed in the column titled Inapplicable Servicing Criteria on Exhibit A
hereto are inapplicable to the Servicer based on the activities it performs, directly or
through its Vendors, with respect to the Platform.
 5.
    
    The Servicer has complied, in all material respects, with the applicable servicing criteria
as of December 31, 2007 and for the Reporting Period with respect to the Platform taken as a
whole.
 6.
    
    The Servicer has not identified and is not aware of any material instance of noncompliance by
the Vendors with the applicable servicing criteria as of December 31, 2007 and for the
Reporting Period with respect to the Platform taken as a whole.
 7.
    
    The Servicer has not identified any material deficiency in its policies and procedures to
monitor the compliance by the Vendors with the applicable servicing criteria as of December
31, 2007 and for the Reporting Period with respect to the Platform taken as a whole.
 8.
    
    Ernst & Young LLP, a registered public accounting firm, has issued an attestation report on
the Servicers assessment of compliance with the applicable servicing criteria as of December
31, 2007 and for the Reporting Period.
 March 21, 2008
    National City Bank, as Servicer/s/ Russell A. Cronin, Jr.By: Russell A. Cronin, Jr., Senior Vice President




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Applicable
    
    Performed
    
    InapplicableServicing
    
    by
    
    ServicingServicing Criteria
    
    Criteria
    
    Vendors
    
    CriteriaReference
    
    CriteriaGeneral Servicing Considerations1122(d)(1)(i)
    
    Policies and procedures are
instituted to monitor any
performance or other triggers and
events of default in accordance
with the transaction agreements.
    
    X1122(d)(1)(ii)
    
    If any material servicing
activities are outsourced to
third parties, policies and
procedures are instituted to
monitor the third partys
performance and compliance with
such servicing activities.
    
    X1122(d)(1)(iii)
    
    Any requirements in the
transaction agreements to
maintain a back-up servicer for
the credit card accounts or
accounts are maintained.
    
    
    
    
    
    X1122(d)(1)(iv)
    
    A fidelity bond and errors and
omissions policy is in effect on
the party participating in the
servicing function throughout the
reporting period in the amount of
coverage required by and
otherwise in accordance with the
terms of the transaction
agreements.
    
    XCash Collection and Administration1122(d)(2)(i)
    
    Payments on credit card accounts
are deposited into the
appropriate custodial bank
accounts and related bank
clearing accounts no more than
two business days following
receipt, or such other number of
days specified in the transaction
agreements.
    
    X1122(d)(2)(ii)
    
    Disbursements made via wire
transfer on behalf of an obligor
or to an investor are made only
by authorized personnel.
    
    
    
    
    
    X1122(d)(2)(iii)
    
    Advances of funds or guarantees
regarding collections, cash flows
or distributions, and any
interest or other fees charged
for such advances, are made,
reviewed and approved as
specified in the transaction
agreements.
    
    
    
    
    
    X1122(d)(2)(iv)
    
    The related accounts for the
transaction, such as cash reserve
accounts or accounts established
as a form of
overcollateralization, are
separately maintained (e.g., with
respect to commingling of cash)
as set forth in the transaction
agreements.
    
    X1122(d)(2)(v)
    
    Each custodial account is
maintained at a federally insured
depository institution as set
forth in the transaction
agreements. For purposes of this
criterion, federally insured
depository institution with
respect to a foreign financial
institution means a foreign
financial
    
    X




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##### 



Applicable
    
    Performed
    
    InapplicableServicing
    
    by
    
    ServicingServicing Criteria
    
    Criteria
    
    Vendors
    
    CriteriaReference
    
    Criteriainstitution that meets
the requirements of Rule
13k-1(b)(1) of the Securities
Exchange Act.1122(d)(2)(vi)
    
    Unissued checks are safeguarded
so as to prevent unauthorized
access.
    
    
    
    
    
    X1122(d)(2)(vii)
    
    Reconciliations are prepared on a
monthly basis for all
asset-backed securities related
bank accounts, including
custodial accounts and related
bank clearing accounts. These
reconciliations are (A)
mathematically accurate; (B)
prepared within 30 calendar days
after the bank statement cutoff
date, or such other number of
days specified in the transaction
agreements; (C) reviewed and
approved by someone other than
the person who prepared the
reconciliation; and (D) contain
explanations for reconciling
items. These reconciling items
are resolved within 90 calendar
days of their original
identification, or such other
number of days specified in the
transaction agreements.
    
    XInvestor Remittances and Reporting1122(d)(3)(i)
    
    Reports to investors, including
those to be filed with the
Commission, are maintained in
accordance with the transaction
agreements and applicable
Commission requirements.
Specifically, such reports (A)
are prepared in accordance with
timeframes and other terms set
forth in the transaction
agreements; (B) provide
information calculated in
accordance with the terms
specified in the transaction
agreements; (C) are filed with
the Commission as required by its
rules and regulations; and (D)
agree with investors or the
trustees records as to the total
unpaid principal balance and
number of credit card accounts
serviced by the Servicer.
    
    X1122(d)(3)(ii)
    
    Amounts due to investors are
allocated and remitted in
accordance with timeframes,
distribution priority and other
terms set forth in the
transaction agreements.
    
    X1122(d)(3)(iii)
    
    Disbursements made to an investor
are posted within two business
days to the Servicers investor
records, or such other number of
days specified in the transaction
agreements.
    
    
    
    
    
    X1122(d)(3)(iv)
    
    Amounts remitted to investors per
the investor reports agree with
cancelled checks, or other form
of payment, or custodial bank
statements.
    
    XPool Asset Administration1122(d)(4)(i)
    
    Collateral or security on credit
card accounts is maintained as
required by the transaction
agreements or related asset pool
documents.
    
    
    
    
    
    X1122(d)(4)(ii)
    
    Account and related documents are
safeguarded as required by the
transaction agreements
    
    X




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##### 



Applicable
    
    Performed
    
    InapplicableServicing
    
    by
    
    ServicingServicing Criteria
    
    Criteria
    
    Vendors
    
    CriteriaReference
    
    Criteria1122(d)(4)(iii)
    
    Any additions, removals or
substitutions to the asset pool
are made, reviewed and approved
in accordance with any conditions
or requirements in the
transaction agreements.
    
    X1122(d)(4)(iv)
    
    Payments on credit card accounts,
including any payoffs, made in
accordance with the related
credit card accounts documents
are posted to the Servicers
obligor records maintained no
more than two business days after
receipt, or such other number of
days specified in the transaction
agreements, and allocated to
principal, interest or other
items (e.g., escrow) in
accordance with the related asset
pool documents.
    
    X
    
    X(1)1122(d)(4)(v)
    
    The Servicers records regarding
the accounts and the accounts
agree with the Servicers records
with respect to an obligors
unpaid principal balance.
    
    X1122(d)(4)(vi)
    
    Changes with respect to the terms
or status of an obligors account
(e.g., loan modifications or
re-agings) are made, reviewed and
approved by authorized personnel
in accordance with the
transaction agreements and
related pool asset documents.
    
    X1122(d)(4)(vii)
    
    Loss mitigation or recovery
actions (e.g., forbearance plans,
modifications and deeds in lieu
of foreclosure, foreclosures and
repossessions, as applicable) are
initiated, conducted and
concluded in accordance with the
timeframes or other requirements
established by the transaction
agreements.
    
    X1122(d)(4)(viii)
    
    Records documenting collection
efforts are maintained during the
period an Account is delinquent
in accordance with the
transaction agreements. Such
records are maintained on at
least a monthly basis, or such
other period specified in the
transaction agreements, and
describe the entitys activities
in monitoring delinquent Accounts
including, for example, phone
calls, letters and payment
rescheduling plans in cases where
delinquency is deemed temporary
(e.g., illness or unemployment).
    
    X1122(d)(4)(ix)
    
    Adjustments to interest rates or
rates of return for Accounts with
variable rates are computed based
on the related Account documents.
    
    X1122(d)(4)(x)
    
    Regarding any funds held in trust
for an obligor (such as escrow
accounts): (A) such funds are
analyzed, in accordance with the
obligors Account documents, on
at least an annual basis, or such
other period specified in the
transaction agreements; (B)
interest on such funds is paid,
or credited, to obligors in
accordance with
    
    
    
    
    
    X




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##### 



Applicable
    
    Performed
    
    InapplicableServicing
    
    by
    
    ServicingServicing Criteria
    
    Criteria
    
    Vendors
    
    CriteriaReference
    
    Criteriaapplicable
Account documents and state laws;
and (C) such funds are returned
to the obligor within 30 calendar
days of full repayment of the
related Accounts, or such other
number of days specified in the
transaction agreements.
    
    
    
    
    
    X1122(d)(4)(xi)
    
    Payments made on behalf of an
obligor (such as tax or insurance
payments) are made on or before
the related penalty or expiration
dates, as indicated on the
appropriate bills or notices for
such payments, provided that such
support has been received by the
servicer at least 30 calendar
days prior to these dates, or
such other number of days
specified in the transaction
agreements.
    
    
    
    
    
    X1122(d)(4)(xii)
    
    Any late payment penalties in
connection with any payment to be
made on behalf of an obligor are
paid from the servicers funds
and not charged to the obligor,
unless the late payment was due
to the obligors error or
omission.
    
    
    
    
    
    X1122(d)(4)(xiii)
    
    Disbursements made on behalf of
an obligor are posted within two
business days to the obligors
records maintained by the
servicer, or such other number of
days specified in the transaction
agreements.
    
    
    
    
    
    X1122(d)(4)(xiv)
    
    Delinquencies, charge-offs and
uncollectible accounts are
recognized and recorded in
accordance with the transaction
agreements.
    
    X1122(d)(4)(xv)
    
    Any external enhancement or other
support, identified in Item
1114(a)(1) through (3) or Item
1115 of Regulation AB, is
maintained as set forth in the
transaction agreements.
    
    
    
    
    
    X
 
 (1)
    
    Vendors are First Express and First Data Resources, Inc. (FDR). First Express provides lock
box service. A majority of payments on credit cards are received through First Express,
although some payments on credit cards come directly to National City Bank. First Express
transmits payment information electronically, which is uploaded to the FDR servicing system
daily. For those payments received directly by National City Bank, National City Bank
processes the payments and sends a file directly to FDR for posting.