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                                                                    EXHIBIT 99.6


      Report on Applying Agreed-Upon Procedures of Independent Accountants

National City Bank
Cleveland, Ohio

The Bank of New York
New York, New York

Re:  National City Credit Card Master Trust, Series 2001-1

We have performed the procedures enumerated below, which were agreed to by the
managements of National City Bank (National City) and The Bank of New York,
solely to assist you in evaluating the servicing of certain credit card
receivables during the period January 1, 2002 through December 31, 2002, for
compliance with the terms and conditions set forth in the Pooling and Servicing
Agreement dated June 1, 1995, as amended by the Amended and Restated Pooling and
Servicing Agreement (the Agreement) dated July 1, 2000, as supplemented by the
Series 2001-1 Supplement (the Supplement) dated January 31, 2001, for the
National City Credit Card Master Trust (the Trust) among National City, as
Seller and Servicer (the Servicer), and The Bank of New York, as Trustee.
National City's management is responsible for compliance with the terms and
conditions set forth in the Agreement. This agreed-upon procedures engagement
was conducted in accordance with the attestation standards established by the
American Institute of Certified Public Accountants. The sufficiency of these
procedures is solely the responsibility of those parties specified in this
report. Consequently, we make no representation regarding the sufficiency of the
procedures described below either for the purpose for which this report has been
requested or for any other purpose.

We performed the following agreed-upon procedures (unless otherwise indicated,
the capitalized terms have the meanings set forth in the Agreement and the
Supplement) with respect to the amounts reported in the Monthly
Certificateholders' Statements filed for the period from January 1, 2002 through
December 31, 2002, noting agreement:

Line Item on Monthly
 Certificateholders'
      Statement           Procedure
----------------------   -------------------------------------------------------

A.   1.   For the Class A monthly distribution in respect of Class A Monthly
          Principal, per $1,000 of Original Certificate Principal Amount, we
          divided the Class A Monthly Principal distribution, per the collection
          account statements, by the Class A Initial Invested Amount, per the
          Supplement, as of the close of business on the last day of the
          preceding Monthly Period and then multiplied by $1,000.

     2.   For the Class B monthly distribution in respect of Class B Monthly
          Principal, per $1,000 of Original Certificate Principal Amount, we
          divided the Class B Monthly Principal distribution, per the collection
          account statements, by the Class B Initial Invested


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          Amount, per the Supplement, as of the close of business on the last
          day of the preceding Monthly Period and then multiplied by $1,000.

     3.   For each monthly distribution in respect of Collateral Monthly
          Principal, per $1,000 of Original Certificate Principal Amount, we
          divided the Collateral Monthly Principal distribution, per the
          collection account statements, by the Collateral Initial Invested
          Amount, per the Supplement, as of the close of business on the last
          day of the preceding Monthly Period and then multiplied by $1,000.

     4.   For the Class A monthly distribution in respect of Class A Monthly
          Interest, per $1,000 of Original Certificate Principal Amount, we
          divided the Class A Monthly Interest distribution, calculated at
          B.11(a) below, by the Class A Initial Invested Amount, per the
          Supplement, as of the close of business on the last day of the
          preceding Monthly Period and then multiplied by $1,000.

     5.   For the Class A monthly distribution in respect of Class A Additional
          Interest, per $1,000 of Original Certificate Principal Amount, we
          divided the Class A Additional Interest distribution, which was
          determined to be zero for each month during the period because the
          Class A Available Funds, as calculated in B.12(b)(i) below, was
          greater than zero, by the Class A Initial Invested Amount, per the
          Supplement, as of the close of business on the last day of the
          preceding Monthly Period and then multiplied by $1,000.

     6.   For the Class B monthly distribution in respect of Class B Monthly
          Interest, per $1,000 of Original Certificate Principal Amount, we
          divided the Class B Monthly Interest distribution, calculated at
          B.11(b) below, by the Class B Initial Invested Amount, per the
          Supplement, as of the close of business on the last day of the
          preceding Monthly Period and then multiplied by $1,000.

     7.   For the Class B monthly distribution in respect of Class B Additional
          Interest, per $1,000 of Original Certificate Principal Amount, we
          divided the Class B Additional Interest distribution, which was
          determined to be zero for each month during the period because the
          Class B Available Funds, as calculated in B.12(b)(ii) below, was
          greater than zero, by the Class B Initial Invested Amount, per the
          Supplement, as of the close of business on the last day of the
          preceding Monthly Period and then multiplied by $1,000.

     8.   For the Collateral monthly distribution in respect of Collateral
          Minimum Monthly Interest, per $1,000 of Original Certificate Principal
          Amount, we divided the Collateral Minimum Monthly Interest
          distribution, calculated at B.11(c) below, by the Collateral Initial
          Invested Amount, per the Supplement, as of the close of business on
          the last day of the preceding Monthly Period and then multiplied by
          $1,000.

     9.   For the Collateral monthly distribution in respect of accrued and
          unpaid Collateral Minimum Monthly Interest, per $1,000 of Original
          Certificate Principal Amount, we divided the accrued and unpaid
          Collateral Minimum Monthly Interest distribution, which was determined
          to be zero for each month during the period because the Collateral
          Available Funds, as calculated in B.12(b)(iii) below, was greater than
          zero, by the

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          Collateral Initial Invested Amount, per the Supplement, as of the
          close of business on the last day of the preceding Monthly Period and
          then multiplied by $1,000.

     B.   1.   (a)  Multiplied the Floating Allocation Percentage, calculated at
                    B.2(j) below, with respect to the Monthly Period by the
                    principal collections obtained from the system reports with
                    respect to the Monthly Period.

               (b)  Multiplied the Floating Allocation Percentage, calculated at
                    B.2(j) below, with respect to the Monthly Period by the
                    Class A Floating Percentage, calculated at B.2(k) below,
                    with respect to the Monthly Period, and multiplied by the
                    Trust Investor Default amount obtained from the system
                    reports for defaulted amounts with respect to the Monthly
                    Period.

               (c)  Multiplied the Floating Allocation Percentage, calculated at
                    B.2(j) below, with respect to the Monthly Period by the
                    Class B Floating Percentage, calculated at B.2(l) below,
                    with respect to the Monthly Period, and multiplied by the
                    Trust Investor Default amount obtained from the system
                    reports for defaulted amounts with respect to the Monthly
                    Period.

               (d)  Multiplied the Floating Allocation Percentage, calculated at
                    B.2(j) below, with respect to the Monthly Period by the
                    Collateral Floating Percentage, calculated at B.2(m) below,
                    with respect to the Monthly Period, and multiplied by the
                    Trust Investor Default amount obtained from the system
                    reports for defaulted amounts with respect to the Monthly
                    Period.

          2.   (a)  Traced the end of period principal receivables in the Trust
                    to the system reports with respect to the Monthly Period.

               (b)  Summed items B.2(d), B.2(f) and B.2(h) below.

               (c)  Summed items B.2(e), B.2(g) and B.2(i) below.

               (d)  Multiplied Trust Principal Receivables in B.2(a) above times
                    B.2(n) below and then by item B.2(o) below.

               (e)  Multiplied Trust Principal Receivables in B.2(a) above times
                    B.2(j) below and then by item B.2(k) below.

               (f)  Multiplied Trust Principal Receivables in B.2(a) above times
                    B.2(n) below and then by item B.2(p) below.

               (g)  Multiplied Trust Principal Receivables in B.2(a) above times
                    B.2(j) below and then by item B.2(l) below.

               (h)  Multiplied Trust Principal Receivables in B.2(a) above times
                    B.2(n) below and then by item B.2(q) below.

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               (i)  Multiplied Trust Principal Receivables in B.2(a) above times
                    B.2(j) below and then by item B.2(m) below.

               (j)  Divided the Adjusted Investment Amount, calculated as the
                    sum of B.7(d), B.7(f), and B.7(h) below, as of the last day
                    of the preceding Monthly Period by the Trust Principal
                    Receivable as of such day plus the principal amount on
                    deposit in the Special Funding Account, which management has
                    represented has not been opened, as of such day, with
                    respect to the Monthly Period.

               (k)  Divided the Class A Adjusted Invested Amount, calculated at
                    B.7(h) below, as calculated as of the close of business on
                    the last day of the preceding Monthly Period by the Adjusted
                    Investment Amount, calculated as the sum of B.7(d), B.7(f),
                    and B.7(h) below, as of such day with respect to the Monthly
                    Period.

               (l)  Divided the Class B Adjusted Invested Amount, calculated at
                    B.7(f) below, as of the close of business on the last day of
                    the preceding Monthly Period by the Adjusted Investment
                    Amount, calculated as the sum of B.7(d), B.7(f), and B.7(h)
                    below, as of such day with respect to the Monthly Period.

               (m)  Divided the Collateral Adjusted Invested Amount, calculated
                    at B.7(d) below, as of the close of business on the last day
                    of the preceding Monthly Period by the Adjusted Investment
                    Amount, calculated as the sum of B.7(d), B.7(f), and B.7(h)
                    below, as of such day with respect to the Monthly Period.

               (n)  Divided the Invested Amount, calculated as the sum of
                    B.7(c), B.7(e), and B.7(g) below, as of the last day of the
                    preceding Monthly Period by the Trust Principal Receivable
                    as of such day plus the principal amount on deposit in the
                    Special Funding Account, which management has represented
                    has not been opened, as of such day, with respect to the
                    Monthly Period.

               (o)  Divided the Class A Invested Amount, calculated at B.7(g)
                    below, as of the close of business on the last day of the
                    preceding Monthly Period by the Invested Amount, calculated
                    as the sum of B.7(c), B.7(e), and B.7(g) below, as of such
                    day, with respect to the Monthly Period.

               (p)  Divided the Class B Invested Amount, calculated at B.7(e)
                    below, as of the close of business on the last day of the
                    preceding Monthly Period by the Invested Amount, calculated
                    as the sum of B.7(c), B.7(e), and B.7(g) below, as of such
                    day, with respect to the Monthly Period.

               (q)  Divided the Collateral Invested Amount, calculated at B.7(c)
                    below, as of the close of business on the last day of the
                    preceding Monthly Period by the Invested Amount, calculated
                    as the sum of B.7(c), B.7(e), and B.7(g) below, as of such
                    day, with respect to the Monthly Period.

          3.   (a)  Traced the aggregate outstanding balances in the Accounts
                    which were delinquent between 30 and 59 days as of the end
                    of the day on the last day of the related


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                    Monthly Period to the system reports with respect to the
                    Monthly Period. Calculated the percentage of total principal
                    receivables by dividing the delinquent amount by B.2(a)
                    above.

               (b)  Traced the aggregate outstanding balances in the Accounts
                    which were delinquent between 60 and 89 days as of the end
                    of the day on the last day of the related Monthly Period to
                    the system reports with respect to the Monthly Period.
                    Calculated the percentage of total principal receivables by
                    dividing the delinquent amount by B.2(a) above.

               (c)  Traced the aggregate outstanding balances in the Accounts
                    which were delinquent in excess of 89 days as of the end of
                    the day on the last day of the related Monthly Period to the
                    system reports with respect to the Monthly Period.
                    Calculated the percentage of total principal receivables by
                    dividing the delinquent amount by B.2(a) above.

                    Summed the delinquent accounts in B.3(a), B.3(b), and B.3(c)
                    above. Calculated the percentage of total principal
                    receivables by dividing the delinquent amount by B.2(a)
                    above.

          4.   (a)  Multiplied the Floating Allocation Percentage, from B.2(j)
                    above, with respect to the Monthly Period by the Trust
                    Investor Default amount obtained from the system reports for
                    defaulted amounts with respect to the Monthly Period.

               (b)  Multiplied the Class A Floating Percentage, from B.2(k)
                    above, with respect to the Monthly Period by the result of
                    B.4(a).

               (c)  Multiplied Class B Floating Percentage, from B.2(l) above,
                    with respect to the Monthly Period by the result of B.4(a).

               (d)  Multiplied the Collateral Floating Percentage, from B.2(m)
                    above, with respect to the Monthly Period by the result of
                    B.4(a).

          5.   (a)  Compared the amount on B.4(b) to the sum of Reallocated
                    Principal Collections with respect to such Monthly Period
                    and the amount of Excess Spread and the Excess Finance
                    Charge Collections allocable to Series 2001-1 with respect
                    to such Monthly Period noting that B.4(b) did not exceed
                    such sum. In such case, as specified in the Supplement
                    Section 4.06(a), the Class A Investor Charge-offs are zero.

               (b)  Divided the amount in B.5(a) above by the Class A Initial
                    Invested Amount, per the Supplement, and then multiplied by
                    $1,000.

               (c)  Compared the amount on B.4(c) to the amount of Excess Spread
                    and the Excess Finance Charge Collections with respect to
                    such Monthly Period noting that B.4(c) did not exceed such
                    amount. In such case, as specified in the Supplement Section
                    4.06(b), the Class B Investor Charge-offs are zero.

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               (d)  Divided the amount in B.5(c) above by the Class B Initial
                    Invested Amount, per the Supplement, and then multiplied by
                    $1,000.

               (e)  Compared the amount on B.4(d) to the amount of Excess Spread
                    and the Excess Finance Charge Collections with respect to
                    such Monthly Period noting that B.4(d) did not exceed such
                    amount. In such case, as specified in the Supplement Section
                    4.06(c), the Collateral Investor Charge-offs are zero.

               (f)  Divided the amount in B.5(e) above by the Collateral Initial
                    Invested Amount, per the Supplement, and then multiplied by
                    $1,000.

               (g)  As determined in B.5(a) there have been no Class A Investor
                    Charge-offs during the period. Therefore, Class A Investor
                    Charge-offs to be reimbursed is zero.

               (h)  Divided the amount in B.5(g) above by the Class A Initial
                    Invested Amount, per the Supplement, and then multiplied by
                    $1,000.

               (i)  As determined in B.5(c) there have been no Class B Investor
                    Charge-offs during the period. Therefore, Class B Investor
                    Charge-offs to be reimbursed is zero.

               (j)  Divided the amount in B.5(i) above by the Class B Initial
                    Invested Amount, per the Supplement, and then multiplied by
                    $1,000.

               (k)  As determined in B.5(e) there have been no Collateral
                    Investor Charge-offs during the period. Therefore,
                    Collateral Investor Charge-offs to be reimbursed is zero.

               (l)  Divided the amount in B.5(k) above by the Collateral Initial
                    Invested Amount, per the Supplement, and then multiplied by
                    $1,000.

          6.   (a)  Multiplied the Class A Floating Percentage, calculated at
                    B.2(k) above, by one-twelfth of the excess of the product of
                    the Servicing Fee Rate (2%) and the Servicing Base Amount,
                    which is the Invested Amount (sum of B.7(c), B.7(e), and
                    B.7(g)), until a Special Funding Account is established,
                    which management has represented has not occurred, for the
                    related Monthly Period over the product of the Servicer
                    Interchange Percentage (1%) and the Servicing Base Amount.

               (b)  Multiplied the Class B Floating Percentage, calculated at
                    B.2(l) above, by one-twelfth of the excess of the product of
                    the Servicing Fee Rate (2%) and the Servicing Base Amount,
                    which is the Invested Amount (sum of B.7(c), B.7(e), and
                    B.7(g)), until a Special Funding Account is established,
                    which management has represented has not occurred, for the
                    related Monthly Period over the product of the Servicer
                    Interchange Percentage (1%) and the Servicing Base Amount.

               (c)  Multiplied the Collateral Floating Percentage, calculated at
                    B.2(m) above, by one-twelfth of the excess of the product of
                    the Servicing Fee Rate (2%) and the Servicing Base Amount,
                    which is the Invested Amount (sum of B.7(c), B.7(e), and
                    B.7(g)), until a Special Funding Account is established,
                    which management

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                    has represented has not occurred, for the related Monthly
                    Period over the product of the Servicer Interchange
                    Percentage (1%) and the Servicing Base Amount.

               (d)  Calculated the Servicer Interchange amount as the lesser of
                    the Floating Allocation Percentage, calculated at B.2(j)
                    above, of the Interchange deposited in the Collection
                    Account during such Monthly Period, as traced to system
                    reports, and one-twelfth Servicer Interchange Percentage of
                    the Servicing Base Amount, which is the Invested Amount (sum
                    of B.7(c), B.7(e), and B.7(g)), until a Special Funding
                    Account is established, which management has represented has
                    not occurred.

          7.   (a)  As specified in the Supplement Section 4.08, Reallocated
                    Collateral Principal Collections only occur to the extent
                    the Required Amount exceeds the Excess Spread and Excess
                    Finance Charge Collections. The Required Amount only exists
                    when Available Funds for the respective class of investors
                    do not exceed the Monthly Interest and Servicing Fees, which
                    we calculated and noted it did not occur. Since the Required
                    Amount is zero, there are no Reallocated Collateral
                    Principal Collections during the period.

               (b)  As specified in the Supplement Section 4.08, Reallocated
                    Class B Principal Collections only occur to the extent the
                    Required Amount exceeds the Excess Spread and Excess Finance
                    Charge Collections. The Required Amount only exists when
                    Available Funds for the respective class of investors do not
                    exceed the Monthly Interest and Servicing Fees, which we
                    calculated and noted it did not occur. Since the Required
                    Amount is zero, there are no Reallocated Class B Principal
                    Collections during the period.

               (c)  Calculated the amount as the Collateral Initial Invested
                    Amount minus the aggregate amount of principal payments made
                    to the Collateral interest holders prior to such date minus
                    the aggregate amount of Collateral Charge-offs for all prior
                    Distribution Dates, minus the amount of Reallocated
                    Collateral Principal Collections allocated on all prior
                    Distribution Dates.

               (d)  The Collateral Invested Amount calculated in B.7(c) above
                    less the excess of the Principal Funding Account Balance
                    over the sum of the Class A Invested Amount and the Class B
                    Invested Amount on such date of determination.

               (e)  Calculated the amount as the Class B Initial Invested
                    Amount, per the Supplement, minus the aggregate amount of
                    principal payments made to the Class B Certificateholders,
                    summed from deposits for principal payments made to the
                    collection account prior to such date, minus the aggregate
                    amount of Class B Investor Charge-offs as defined at B.5(c)
                    for all prior Distribution Dates, minus the amount of
                    Reallocated Class B Principal Collections, as defined at
                    B.7(b), allocated on all prior Distribution Dates.

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               (f)  The Class B Invested Amount calculated in B.7(e) above less
                    the excess of the Principal Funding Account Balance over the
                    Class B Invested Amount on such date of determination.

               (g)  Calculated the amount as the Class A Initial Invested
                    Amount, per the Supplement, minus the aggregate amount of
                    principal payments made to the Class A Certificateholders,
                    summed from deposits for principal payments made to the
                    collection account prior to such date, minus the aggregate
                    amount of Class A Investor Charge-offs as defined at B.5(a)
                    for all prior Distribution Dates over Class A Investor
                    Charge-offs reimbursed prior to such date defined at B.5(g).

               (h)  The Class A Invested Amount calculated in B.7(g) above less
                    the funds on deposit in the Principal Funding Account on
                    such date of determination.

          8.   (a)  Multiplied the Finance Charges and Fees obtained from the
                    system reports processed during the related Monthly Period
                    by the Class A Floating Percentage, per B.2(k) above, and
                    the Floating Allocation Percentage, per B.2(j) above.

               (b)  Multiplied the Finance Charges and Fees obtained from the
                    system reports processed during the related Monthly Period
                    by the Class B Floating Percentage, per B.2(l) above, and
                    the Floating Allocation Percentage, per B.2(j) above.

               (c)  Multiplied the Finance Charges and Fees obtained from the
                    system reports processed during the related Monthly Period
                    by the Collateral Floating Percentage, per B.2(k) above, and
                    the Floating Allocation Percentage, per B.2(j) above.

          9.   (a)  Inquired of management of the Servicer as to the existence
                    of a Principal Funding Account. Management indicated there
                    was none.

               (b)  As defined in Section 2.01 of the Supplement, there is no
                    Accumulated Shortfall with respect to the related Monthly
                    Period until a Controlled Accumulation Period begins, which
                    management informed us did not occur.

               (c)  Inquired of management of the Servicer as to the existence
                    of a Principal Funding Account. Management indicated there
                    was none.

               (d)  Inquired of management of the Servicer as to the existence
                    of a Principal Funding Account. Management indicated there
                    was none.

          10.  (a)  As defined in Section 2.01 of the Supplement, there is no
                    Reserve Draw with respect to the Monthly Period until a
                    Controlled Accumulation Period or Rapid Amortization Period
                    begins, which management informed us did not occur.

               (b)  As defined in Section 2.01 of the Supplement, there is no
                    Reserve Draw with respect to the Monthly Period until a
                    Controlled Accumulation Period or Rapid Amortization Period
                    begins, which management informed us did not occur.

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               (c)  As defined in Section 2.01 of the Supplement, there is no
                    Reserve Draw with respect to the Monthly Period until a
                    Controlled Accumulation Period or Rapid Amortization Period
                    begins, which management informed us did not occur.

               (d)  As defined in Section 2.01 of the Supplement, there is no
                    Reserve Draw with respect to the Monthly Period until a
                    Controlled Accumulation Period or Rapid Amortization Period
                    begins, which management informed us did not occur.

          11.  (a)  Multiplied the number of days in the Interest Period by the
                    Class A Certificate Rate and by the outstanding principal
                    amount of the Class A Certificates as of the close of
                    business on the last day of the preceding Monthly Period,
                    then divided by 360. We agreed this amount to the product of
                    Class A Floating Percentage, per B.2(k) above, and the
                    amount on deposit in the Collection Account with respect to
                    the Monthly Period.

               (b)  Multiplied the number of days in the Interest Period by the
                    Class B Certificate Rate and by the outstanding principal
                    amount of the Class B Certificates as of the close of
                    business on the last day of the preceding Monthly Period,
                    then divided by 360. We agreed this amount to the product of
                    Class B Floating Percentage, per B.2(l) above, and the
                    amount on deposit in the Collection Account with respect to
                    the Monthly Period.

               (c)  Multiplied the number of days in the Interest Period by the
                    Collateral Certificate Rate and by the outstanding principal
                    amount of the Collateral Certificates as of the close of
                    business on the last day of the preceding Monthly Period,
                    then divided by 360.

               (d)  We reviewed of the Collection Account statements with
                    respect to the Monthly Periods noting there were no deposits
                    of Principal Collections.

          12.  (b)  (i)   Calculated the amount as Class A Monthly Finance
                          Charges and Fees, per B.8(a) above, less the Class A
                          Monthly Interest Available Funds, per B.11(a) above,
                          less Class A Servicing Fee, per B.6(a) above, less
                          Class A Investor Default Amount, per B.4(b) above.

                    (ii)  Calculated the amount as Class B Monthly Finance
                          Charges and Fees, per B.8(b) above, less the Class B
                          Monthly Interest Available Funds, per B.11(b) above,
                          less Class B Servicing Fee, per B.6(b) above, less
                          Class B Investor Default Amount, per B.4(c) above.

                    (iii) Multiplied the Finance Charges and Fees obtained from
                          the system reports processed during the related
                          Monthly Period by the Collateral Floating Percentage,
                          per B.2(m) above, and the Floating Allocation
                          Percentage, per B.2(j) above.

               (c)  As noted in B.7(a) above, there were no Required Amounts
                    during the period.

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               (d)  As noted in B.5(a) above, there were no Investor Charge-offs
                    during the period.

               (e)  As noted in B.7(b) above, there were no Required Amounts
                    during the period.

               (f)  As noted in B.7(b) above, there were no Required Amounts
                    during the period.

               (g)  Excess Spread applied was calculated as zero as no reduction
                    of the Class B Invested Amount was noted during the
                    calculation described in B.7(e).

               (h)  Compared the amounts on B.12(b)(iii) and B.11(c), noting
                    that B.12(b)(iii), exceeds B.11(c). Agreed the amount to
                    B.11(c).

               (i)  Computed the difference between B.12(b)(iii) and B.11(c) and
                    noted that it exceeded B.6(c). Agreed the amount to B.6(c).

               (j)  Computed the difference between B.12(b)(iii) and the sum of
                    B.11(c) and B.6(c) and noted that it exceeded B.4(d). Agreed
                    the amount to B.4(d).

               (k)  Excess Spread applied was calculated as zero as no reduction
                    of the Collateral Invested Amount was noted during the
                    calculation described in B.7(e).

               (l)  Inquired of management as to the existence of a Reserve
                    Account. Management indicated there was none.

          13.  (a)  Calculated that the Investor Finance Charge Collections did
                    not result in a Finance Charge Shortfall for Series 2001-1
                    with respect of the Monthly Period.

               (b)  Summed the Finance Charge Shortfall for all series in Group
                    One with respect of the Monthly Period.

          14.  (a)  Calculated the Base Rate by summing the Class A, Class B,
                    and Collateral Monthly Interest and the Monthly Servicing
                    Fee and dividing the sum by the Invested Amount as of the
                    last day of the preceding Monthly Period and multiplied the
                    result by the number of days in the Monthly Period and
                    divided by 360.

          15.  (a)  Calculate the Portfolio Yield by summing the Floating
                    Allocation of Finance Charge Receivables, the Principal
                    Funding Investment Proceeds deposited into the Collection
                    Account on the Distribution Date related to such Monthly
                    Period, the amount of the Reserve Draw Amount, less the
                    Investor Default Amount for the Distribution Date with
                    respect to such Monthly Period, all divided by the Invested
                    Amount as of the last day of the preceding Monthly Period
                    and multiplied by the result by the number of days in the
                    Monthly Period and divided by the number of days in the
                    year.

               (b)  Inquired of management as to any Transfer Date occurring
                    during the period. Management indicated there was none.

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We were not engaged to and did not conduct an examination, the objective of
which would be the expression of an opinion on the Monthly Certificateholders'
Statements for Series 2001-1 of the National City Credit Card Master Trust or
National City's compliance with the terms and conditions of the Agreement.
Accordingly we do not express such an opinion. Had we performed additional
procedures, other matters might have come to our attention that would have been
reported to you.

This report is intended solely for the information and use of the board of
directors and managements of National City and The Bank of New York, and is not
intended to be and should not be used by anyone other than these specified
parties. However, this report is a matter of public record and its distribution
is not limited.

March 31, 2003