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                                                                   EXHIBIT 10(F)
                                                                   Draft  
                                              
                         FIRST CHICAGO NBD CORPORATION
                     LONG-TERM DISABILITY RESTORATION PLAN
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Section 1 - Effective Date
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      This plan is effective as of January 1, 1997.

Section 2 - Purpose
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      The principal purpose of this Plan is to provide for the payment of
certain long-term disability benefits to certain officers of First Chicago NBD
Corporation, and its affiliated corporations (hereinafter "FCNBD") in excess of
(a) the limitations on benefits imposed by Section 505(b)(7) of the Internal
Revenue Code of 1986, as amended (hereinafter the "Code"), and (b) the
limitation on the maximum monthly benefit contained in the First Chicago NBD
Corporation Long-Term Disability Plan (hereinafter the "LTD Plan").  This Plan
is established to insure that the total long-term disability benefits of all
totally disabled officers of FCNBD entitled to receive benefits under the LTD
plan can be determined on the same basis.

Section 3 - Administration
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      (a) This Plan shall be administered by the Organization, Compensation and
Nominating Committee of the Board of Directors of FCNBD (hereinafter the
"Compensation Committee") as an unfunded plan. The Compensation Committee's
decisions in all matters involving the interpretation and application of this
Plan shall be conclusive.

      (b) The Plan shall at all times be maintained by FCNBD and administered by
the Compensation Committee as a plan wholly separate from the LTD Plan.

Section 4 - Eligibility
-----------------------

      Officers whose long-term disability benefits under the LTD Plan are
limited by the provisions set forth therein to conform to Section 505(b)(7) of
the Code or whose monthly long-term disability benefit payment is limited by the
maximum monthly benefit limitation contained in the LTD Plan shall be eligible
for benefits provided by this Plan.  In no event shall an officer who is not
entitled to benefits under the LTD Plan be eligible for any benefits under this
Plan.

Section 5 - Amount of Benefits
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      The benefits payable to an eligible officer or his or her eligible
survivors hereunder shall equal the excess, if any, of:
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      (a) the benefits that would have been paid to such officer or his or her
eligible survivors under the LTD Plan if the provisions of the LTD Plan were
administered and benefits paid as if the officer had elected the 60% of pay
option and without regard to the benefit limitations contained in the LTD Plan
to conform it to Section 505(b)(7) of the Code or the maximum monthly benefit
limitation contained in the LTD Plan over

      (b) the benefits that are payable to such officer or his or her eligible
survivors under the LTD Plan.

Section 6 - Payment of Benefits
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      (a) Payment of benefits under this Plan shall be made coincident with the
payment of benefits under the LTD Plan or as soon as practicable thereafter.

      (b) Benefits under the Plan shall be payable solely from the general
assets of FCNBD.  The Plan shall remain unfunded during the entire period of its
existence.

Section 7 - Rights of Employees
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      Except to the extent provided in Section 8 hereinbelow, no officer or his
or her eligible survivors shall at any time have any vested right to receive the
benefits provided by this Plan.

Section 8 - Amendment and Discontinuance
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      FCNBD expects to continue this Plan indefinitely, but reserves the right
to amend or discontinue it if, in its sole judgment, such amendment or
discontinuance is deemed necessary or desirable.  However, if FCNBD should amend
or discontinue this Plan, FCNBD shall be liable for any benefits that have
accrued under this Plan as of the date of such action (determined on the basis
of an eligible officer's total disability as of the date of such amendment or
discontinuance).