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                                                                    EXHIBIT 99.1
                      ANNUAL CERTIFICATEHOLDERS' STATEMENT

                     NATIONAL CITY CREDIT CARD MASTER TRUST

                                  SERIES 2000-1

Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1995 as
amended and restated as of July 1, 2000 (the "Pooling and Servicing Agreement"),
among National City Bank, as Seller and Servicer (in its capacity as Servicer,
"National City") and The Bank of New York, as trustee (the "Trustee"), as
supplemented by the Series 2000-1 Supplement, dated as of August 24, 2000,
National City as Servicer is required to prepare certain information each year
regarding current distributions to Certificateholders and the performance of the
National City Credit Card Master Trust (the "Trust") during the previous year.
The information which is required to be prepared with respect to the activity
for the time period August 24, 2000 through December 31, 2000 is set forth
below.
Certain of the information is presented on the basis of an original principal
amount of $1,000 per Series 2000-1 Certificate (a "Certificate"). Certain other
information is presented based on the aggregate amounts for the Trust as a
whole. Capitalized terms used in this Annual Statement have their respective
meanings set forth in the Pooling and Servicing Agreement and the Series 2000-1
Supplement.

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<S>                                                                                                  <C>
A.    Information Regarding the Current Annual Distribution (Stated on the
      Basis of $1,000 Original Certificate Principal Amount)

       1 The amount of the current annual  distribution in respect of
         Class A Annual Principal                                                                    $         0.00
                                                                                                       --------------------

       2 The amount of the current annual distribution in respect of
         Class B Annual Principal                                                                    $         0.00
                                                                                                       --------------------

       3 The amount of the current annual distribution in respect of
         Collateral Annual Principal                                                                 $         0.00
                                                                                                       --------------------

       4 The amount of the current annual distribution in respect of
         Class A Annual Interest                                                                     $         27.349133
                                                                                                       --------------------

       5 The amount of the current annual distribution in respect of
         Class A Additional Interest                                                                 $          0
                                                                                                       --------------------

       6 The amount of the current annual distribution in respect of
         Class B Annual Interest                                                                     $         28.356076
                                                                                                       --------------------

       7 The amount of the current annual distribution in respect of
         Class B Additional Interest                                                                 $          0
                                                                                                       --------------------

       8 The amount of the current annual distribution in respect of
         Collateral Minimum Annual Interest                                                          $         30.289410
                                                                                                       --------------------

       9 The amount of the current annual distribution in respect of
         any accrued and unpaid Collateral Minimum Annual Interest                                   $          0
                                                                                                       --------------------

B.    Information Regarding the Performance of the Trust

       1 Collection of Principal Receivables

         (a) Available Principal Collections                                                         $    448,383,387.58
                                                                                                       --------------------

         (b) Class A Investor Default Amount treated as Available Principal Collection               $      7,258,487.20
                                                                                                       --------------------

         (c) Class B Investor Default Amount treated as Available Principal Collection               $        497,724.84
                                                                                                       --------------------

         (d) Excess Spread treated as Available Principal Collection                                 $        539,201.91
                                                                                                       --------------------
</TABLE>


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<S>                                                                                                  <C>
       2 Principal Receivables in the Trust

         (a) The aggregate amount of Principal Receivables in the Trust
             as of the end of the day on the last day of the related Annual Period                   $  2,006,018,511.12
                                                                                                       --------------------

         (b) The amount of Principal Receivables in the Trust represented by the
             the Invested Amount of Series 2000-1 as of the end of the day on the last
             day of the related Annual Period                                                        $    627,843,673.61
                                                                                                       --------------------

         (c) The amount of Principal Receivables in the Trust represented by the
             the Adjusted Invested Amount of Series 2000-1 as of the end of the day
             on the last day of the related Annual Period                                            $    627,843,673.61
                                                                                                       --------------------

         (d) The amount of Principal Receivables in the Trust represented by the
             the Class A Invested Amount as of the end of the day on the last
             day of the related Annual Period                                                        $    549,363,214.41
                                                                                                       --------------------

         (e) The amount of Principal Receivables in the Trust represented by the
             the Class A Adjusted Invested Amount as of the end of the day on the last
             day of the related Annual Period                                                        $    549,363,214.41
                                                                                                       --------------------

         (f) The amount of Principal Receivables in the Trust represented by the
             the Class B Invested Amount as of the end of the day on the last
             day of the related Annual Period                                                        $     37,670,620.42
                                                                                                       --------------------

         (g) The amount of Principal Receivables in the Trust represented by the
             the Class B Adjusted Invested Amount as of the end of the day on the last
             day of the related Annual Period                                                        $     37,670,620.42
                                                                                                       --------------------

         (h) The amount of Principal Receivables in the Trust represented by the
             the Collateral Invested Amount as of the end of the day on the last
             day of the related Annual Period                                                        $     40,809,838.78
                                                                                                       --------------------

         (i) The amount of Principal Receivables in the Trust represented by the
             the Collateral Adjusted Invested Amount as of the end of the day on the last
             day of the related Annual Period                                                        $     40,809,838.78
                                                                                                       --------------------

         (j) The Floating Allocation Percentage with respect to the
             related Annual Period                                                                          31.30%
                                                                                                       --------------------

         (k) The Class A Floating Percentage with respect to the
             related Annual Period                                                                          87.50%
                                                                                                       --------------------

         (l) The Class B Floating Percentage with respect to the
             related Annual Period                                                                           6.00%
                                                                                                       --------------------

         (m) The Collateral Floating Percentage with respect to the
             related Annual Period                                                                           6.50%
                                                                                                       --------------------

         (n) The Principal Allocation Percentage with respect to the
             related Annual Period                                                                          31.30%
                                                                                                       --------------------

         (o) The Class A Principal Percentage with respect to the
             related Annual Period                                                                          87.50%
                                                                                                       --------------------

         (p) The Class B Principal Percentage with respect to the
             related Annual Period                                                                           6.00%
                                                                                                       --------------------

         (q) The Collateral Principal Percentage with respect to the
             related Annual Period                                                                           6.50%
                                                                                                       --------------------
</TABLE>

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<TABLE>

<S>                                                                                                  <C>
       3 Delinquent Balances

         The aggregate amount of outstanding balances in the Accounts
         which were delinquent as of the end of the day on the last
         day of the related Annual Period:

                                                       Aggregate              Percentage
                                                       Account                 of Total
                                                       Balance                Receivables
                                                ---------------------        -------------
               (a)     30--  59 days:                 $27,363,624.97                1.36%
               (b)     60--  89 days:                 $15,685,637.02                0.78%
               (c)     90+ days:                       $9,108,119.03                0.45%
                                                ---------------------        -------------
                       Total:                        $ 52,157,381.02                2.60%
                                                =====================        =============


       4 Investor Default Amount

         (a) The Investor Default Amount for the related Annual Period                               $      8,295,413.95
                                                                                                       --------------------

         (b) The Class A Investor Default Amount for the related Annual Period                       $      7,258,487.20
                                                                                                       --------------------

         (c) The Class B Investor Default Amount for the related Annual Period                       $        497,724.84
                                                                                                       --------------------

         (d) The Collateral Default Amount for the related Annual Period                             $        539,201.91
                                                                                                       --------------------

       5 Investor Charge-Offs

         (a) The aggregate amount of Class A Investor Charge-Offs
             for the related Annual Period                                                           $         0
                                                                                                       --------------------

         (b) The aggregate amount of Class A Investor Charge-Offs set forth
             in 5(a) above per $1,000 of original certificate principal amount                       $         0
                                                                                                       --------------------

         (c) The aggregate amount of Class B Investor Charge-Offs
             for the related Annual Period                                                           $         0
                                                                                                       --------------------

         (d) The aggregate amount of Class B Investor Charge-Offs
             set forth in 5(c) above per $1,000 or original certificate principal amount             $         0
                                                                                                       --------------------

         (e) The aggregate amount of Collateral Charge-Offs
             for the related Annual Period                                                           $         0
                                                                                                       --------------------

         (f) The aggregate amount of Collateral Charge-Offs set forth in 5(e) above per
             $1,000 of original certificate principal amount                                         $         0
                                                                                                       --------------------

         (g) The aggregate amount of Class A Investor Charge-Offs reimbursed on
             the Transfer Date immediately preceding this Distribution Date                          $         0
                                                                                                       --------------------

         (h) The aggregate amount of Class A Investor Charge-Offs set
             forth in 5(g) above per $1,000 original certificate
             principal amount reimbursed on the Transfer Date
             immediately preceding this Distribution Date                                            $         0
                                                                                                       --------------------

         (i) The aggregate amount of Class B Investor Charge-Offs reimbursed on the
             Transfer Date immediately preceding this Distribution Date                              $         0
                                                                                                       --------------------

         (j) The aggregate amount of Class B Investor Charge-Offs set
             forth in 5(i) above per $1,000 original certificate
             principal amount reimbursed on the Transfer Date
             immediately preceding this Distribution Date                                            $         0
                                                                                                       --------------------

         (k) The aggregate amount of Collateral Charge-Offs reimbursed on the Transfer Date
             immediately preceding this Distribution Date                                            $         0
                                                                                                       --------------------

         (l) The aggregate amount of Collateral Charge-Offs set forth
             in 5(k) above per $1,000 original certificate principal
             amount reimbursed on the Transfer Date immediately
             preceding Distribution Date                                                             $         0
                                                                                                       --------------------
</TABLE>

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<TABLE>

<S>                                                                                                  <C>

       6 Investor Servicing Fee

         (a) The amount of the Class A Servicing Fee paid by the Trust to the Servicer
             for the related Annual Period                                                           $      1,848,437.50
                                                                                                       --------------------

         (b) The amount of the Class B Servicing Fee paid by the Trust to the Servicer
             for the related Annual Period                                                           $        126,750.00
                                                                                                       --------------------

         (c) The amount of the Collateral Servicing Fee paid by the Trust to the Servicer
             for the related Annual Period                                                           $        137,312.50
                                                                                                       --------------------

         (d) The amount of Servicer Interchange paid by the Trust to the Servicer
             for the related Annual Period                                                           $      2,112,500.00
                                                                                                       --------------------

       7 Reallocations

         (a) The amount of Reallocated Collateral Principal Collections
             for the related Annual Period                                                           $         0
                                                                                                       --------------------

         (b) The amount of Reallocated Class B Principal Collections
             for the related Annual Period                                                           $         0
                                                                                                       --------------------

         (c) The Collateral Invested Amount as of the close of business
             for the related Annual Period                                                           $     39,000,000.00
                                                                                                       --------------------

         (d) The Collateral Adjusted Invested Amount as of the close of business
             for the related Annual Period                                                           $     39,000,000.00
                                                                                                       --------------------

         (e) The Class B Invested Amount as of the close of business
             for the related Annual Period                                                           $     36,000,000.00
                                                                                                       --------------------

         (f) The Class B Adjusted Invested Amount as of the close of business
             for the related Annual Period                                                           $     36,000,000.00
                                                                                                       --------------------

         (g) The Class A Invested Amount as of the close of business
             for the related Annual Period                                                           $    525,000,000.00
                                                                                                       --------------------

         (h) The Class A Adjusted Invested Amount as of the close of business
             for the related Annual Period                                                           $    525,000,000.00
                                                                                                       --------------------


       8 Collection of Finance Charge Receivables

         (a) The aggregate amount of Collections of Finance Charge
             Receivables and Annual Membership Fees processed during
             the related Annual Period
             which were allocated in respect of the Class A Certificates                             $     32,431,156.45
                                                                                                       --------------------

         (b) The aggregate amount of Collections of Finance Charge
             Receivables and Annual Membership Fees processed during
             the related Annual Period
             which were allocated in respect of the Class B Certificates                             $      2,223,850.72
                                                                                                       --------------------

         (c) The aggregate amount of Collections of Finance Charge
             Receivables and Annual Membership Fees processed during
             the related Annual Period
             which were allocated in respect of the Collateral Interest                              $      2,409,171.62
                                                                                                       --------------------

       9 Principal Funding Account

         (a) The principal amount on deposit in the Principal Funding Account                        $        0
                                                                                                       --------------------
             on the related Transfer Date

         (b) The Accumulation Shortfall with respect to the related Annual Period                    $        0
                                                                                                       --------------------

         (c) The Principal Funding Investment Proceeds deposited in the Finance Charge
             Account on the related Transfer Date to be treated as Class A Available Funds           $        0
                                                                                                       --------------------

         (d) The Principal Funding Investment Proceeds deposited in the Finance Charge
             Account on the related Transfer date to be treated as Class B Available Funds           $        0
                                                                                                       --------------------
</TABLE>
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<S>                                                                                                  <C>
      10 Reserve Account

         (a) The Reserve Draw Amount on the related Transfer Date                                    $        0
                                                                                                       --------------------

         (b) The amount of the Reserve Draw Amount deposited in the Collection
             Account on the related Transfer Date to be treated as Class A Available Funds           $        0
                                                                                                       --------------------

         (c) The amount of the Reserve Draw Account deposited in the Collection
             Account on the related Transfer Date to be treated as Class B Available Funds           $        0
                                                                                                       --------------------

         (d) The amount of any Reserve Account Surplus                                               $        0
                                                                                                       --------------------

      11 Available Funds

         (a) The amount of Class A Available Funds on deposit in the Collection
             Account on the related Transfer Dates                                                   $     14,358,294.27
                                                                                                       --------------------

         (b) The amount of Class B Available Funds on deposit in the Collection
             Account on the related Transfer Dates                                                   $      1,020,818.75
                                                                                                       --------------------

         (c) The amount of Collateral Available Funds on deposit in the Collection
             Account on the related Transfer Dates                                                   $      1,181,286.98
                                                                                                       --------------------

         (d) Available Principal Collections on deposit in the Collection Account
             on the related Transfer Dates                                                           $        0
                                                                                                       --------------------

      12 Excess Spread and Excess Finance Charge Collections

         (a) Excess Finance Charge Collection                                                        $        0
                                                                                                       --------------------

         (b) Class A Available Funds
               minus Class A Annual Interest
               minus Class A Servicing Fee
               minus Class A Defaulted Amount                                                         $     8,965,937.48
                                                                                                       --------------------

             Class B Available Funds
               minus Class B Annual Interest
               minus Class B Servicing Fee
               minus Class B Defaulted Amount                                                         $       578,557.13
                                                                                                       --------------------

               Collateral Available Funds                                                             $     2,409,171.62
                                                                                                       --------------------

         (c) Excess Spread applied to the Class A Required Amount
             for the Annual Period                                                                    $       0
                                                                                                       --------------------

         (d) Excess Spread applied to the Class A Investor  Charge-Offs for the
             related Annual Period                                                                    $       0
                                                                                                       --------------------

         (e) Excess Spread applied to the Class B Required
             Amount for the related Annual Period                                                     $       0
                                                                                                       --------------------

         (f) Excess Spread applied to the Class B Default Amount for the related Annual Period        $       0
                                                                                                       --------------------

         (g) Excess Spread applied to the Class B Invested Amount for the related Annual Period       $       0
                                                                                                       --------------------
</TABLE>

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<TABLE>

<S>                                                                                                  <C>
         (h) Excess Spread applied to the Collateral Minimum Annual Interest for the related
             Annual Period and for any past due Collateral Minimum Annual Interest                    $     1,181,286.98
                                                                                                       --------------------

         (i) Excess Spread applied to the Collateral Servicing Fee due to the Servicer
             for the related Annual Period or for any past due Collateral Servicing Fees              $       137,312.50
                                                                                                       --------------------

         (j) Excess Spread applied to the Collateral Default Amount as Available Principal            $       539,201.91
                                                                                                       --------------------
             Collections for the related Annual Period

         (k) Excess Spread applied to the Collateral Invested Amount for the related
             Annual Period                                                                            $       0
                                                                                                       --------------------

         (l) Excess Spread applied to the Reserve Account for the related Annual Period               $       0
                                                                                                       --------------------

      13 Finance Charge Shortfall

         (a) Finance Charge Shortfall for Series 2000-1                                               $       0
                                                                                                       --------------------

         (b) Total Finance Charge Shortfall for all series in Group One                               $       0
                                                                                                       --------------------

      14 Base Rate

         (a) The Base Rate for the related Annual Period                                                   7.91%
                                                                                                       --------------------

      15 Portfolio Yield

         (a) The Portfolio Yield for the related Annual Period                                            13.46%
                                                                                                       --------------------

         (b) The Portfolio Adjusted Yield for the related Annual Period                                     N/A
                                                                                                       --------------------

IN WITNESS WHEREOF, the undersigned has duly executed this Certificate this 24th day of March, 2001.
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                                  NATIONAL CITY BANK,
                                  as Seller and Servicer


                              By:         /s/ Thomas A. Chandler
                                          -------------------------------------
                                    Name: Thomas A. Chandler
                                    Title: Vice President - Credit Card Finance