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                                                                     EXHIBIT 4.3

                                AMENDMENT NO. 10
                              TO THE NATIONAL CITY
                           SAVINGS AND INVESTMENT PLAN
                     (AS AMENDED AND RESTATED JULY 1, 1992)

         National City Corporation, a Delaware corporation, and National City
Bank, a national banking association, Trustee, hereby evidence the adoption of
this Amendment No. 10 to the National City Savings and Investment Plan (As
Amended and Restated July 1, 1992) (the "Plan"), effective January 1, 2002.

                                    Section 1
                                    ---------

         Section 1.1(1) of the Plan is hereby amended by adding the following
sentence to the end thereof:

         "Each Account shall consist of a Profit Sharing Account and an ESOP
Account."

                                    Section 2
                                    ---------

         Section 1.1(36) of the Plan is hereby amended by adding the following
sentence to the end thereof:

         "The NCC Stock Fund shall constitute the ESOP Feature of the Plan. All
         other Investment Funds shall constitute the Profit Sharing Feature of
         the Plan."

                                    Section 3
                                    ---------

         The first sentence of Section 1.1(45) of the Plan is hereby amended in
its entirety to read as follows:

         "The Investment Fund provided under the ESOP Feature of the Plan."

                                    Section 4
                                    ---------

         Section 3.12 of the Plan is hereby amended by adding the following new
sentence to the end thereof:

         "In the event that NCC Stock is not publicly traded, fair market value
         will be determined in accordance with Section 16.7(1)."

                                    Section 5
                                    ---------




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         The last sentence of Section 5.1(1) of the Plan is hereby amended by
(i) inserting the phrase "Except as provided in Section 16.13(1)," at the
beginning thereof and (ii) deleting the word "Dividend" where it occurs therein
and substituting the word "dividend" therefor.

                                    Section 6
                                    ---------

         Section 5.2 of the Plan is hereby amended by deleting the first
sentence thereof and substituting the following therefor:

         "The Trustee shall establish and maintain, or cause to be maintained, a
         Profit Sharing Account and an ESOP Account for each Participant, which
         together shall constitute a Participant's 'Account'. The ESOP Account
         shall be composed of the portion of a Participant's Account that is
         invested in the NCC Stock Fund and shall be subject to the provisions
         of Article XVI. The Profit Sharing Account shall be composed of the
         portion of a Participant's Account that is invested in any Investment
         Fund other than the NCC Stock Fund. The Profit Sharing Account and the
         ESOP Account shall each reflect, pursuant to Sub-Accounts established
         and maintained thereunder, the amount, if any, of the Participant's (a)
         Before-Tax Contributions, (b) After-Tax Contributions, (c) Matching
         Allocations, (d) Qualified Nonelective Contributions and (e) Transfer
         Contributions (unless the Trustee determines to maintain the cash or
         property transferred to the Trust Fund as a Transfer Contribution
         pursuant to one or more of the foregoing Sub-Accounts) that are held in
         the Profit Sharing Account and the ESOP Account of each Participant, as
         applicable. Any reference to 'Sub-Account' in this Plan shall refer to
         the relevant Sub-Account maintained under the Profit Sharing Account
         and the ESOP Account."

                                    Section 7
                                    ---------

         The title of Article XVI of the Plan is hereby amended by deleting the
word "LEVERAGED".

                                    Section 8
                                    ---------

         Section 16.1(6) of the Plan is hereby amended by replacing "The" with
the following at the beginning thereof:

                  "Effective January 1, 2002, the portion of a Participant's
         ESOP Account that is maintained pursuant to Section 5.2. Prior to
         January 1, 2002, the"

                                    Section 9
                                    ---------

                  Section 16.2 of the Plan is hereby amended in its entirety to
         read as follows:

                  "16.2 IN GENERAL: (1) Effective July 1, 1992, as described in
         Appendix M hereto, the Merchants Plan was merged into the Plan, and the
         ESOP feature of





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         the Merchants Plan continued as part of this Plan. On and after July 1,
         1992, the Plan has consisted of two components, the ESOP Feature and
         the Profit Sharing Feature. Prior to January 1, 2002, the ESOP Feature
         included Matching Allocations made after July 1, 1992, and the Profit
         Sharing Feature included Matching Allocations made prior to July 1,
         1992 and other Employer and Employee contributions.

                  (2) Effective January 1, 2002, the portion of a Participant's
         Account invested in the NCC Stock Fund will be provided under the ESOP
         Feature of the Plan, and the portion of a Participant's Account
         invested in any Investment Fund that is not the NCC Stock Fund will be
         provided under the Profit Sharing Feature of the Plan.

                  (3) The ESOP Feature is intended to qualify as a stock bonus
         plan under Code Section 401(a) and as an employee stock ownership plan
         under Code Section 4975(e)(7). The ESOP Feature is designed to invest
         primarily in "qualifying employer securities," as defined in Code
         Sections 4975(e)(8) and 409(l) and ERISA Section 407(d)(5). The ESOP
         Feature is described in this Article XVI. The provisions of this
         Article XVI shall supercede any contrary provisions of the Plan."

                                   Section 10
                                   ----------

         Section 16.5 of the Plan is hereby amended by inserting the following
new Subsection (4) at the end thereof:

                  "(4) The provisions of this Section 16.5 shall only apply when
         an ESOP Loan is outstanding."

                                   Section 11
                                   ----------

         The last sentence of Section 16.7(1) of the Plan is hereby amended by
deleting the phrase "ESOP Sub-Account" where it occurs therein and substituting
therefor the phrase "ESOP Account."

                                   Section 12
                                   ----------

         Section 16.10(1) of the Plan is hereby amended in its entirety to read
as follows:

                  "(1) When Put Required. If a Participant receives a
         distribution of NCC Stock and the NCC Stock is not readily tradable on
         an established market, then the NCC Stock distributed to the
         Participant (or his Beneficiary) must be subject to a put option as
         described in this Section."

                                   Section 13
                                   ----------






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         The second sentence of Section 16.10(7) is hereby amended by deleting
the phrase "An agreement to pay through installments shall be permissible only
if --" where it occurs therein and replacing it with the following:

         "An agreement to pay through installments shall only be permissible if
         the NCC Stock subject to the put option is part of a 'total
         distribution', as defined in Code Section 409(h)(5), or if the NCC
         Stock subject to the put option was acquired with the proceeds of an
         ESOP Loan and --"

                                   Section 14
                                   ----------

                  Section 16.10(7)(e)(ii) of the Plan is hereby amended by
inserting the phrase "if the NCC Stock subject to the put option was acquired
with the proceeds of an ESOP Loan," at the beginning thereof.

                                   Section 15
                                   ----------

         Section 16.10(7)(f) of the Plan is hereby amended in its entirety to
read as follows:

                  "(f) in all other respects the requirements of Treasury
         Regulations sec. 54.4975-7(b)(12)(iv) and Code Section 409(h)(6) are
         satisfied."

                                   Section 16
                                   ----------

         Section 16.11 of the Plan is hereby amended by deleting the phrase
"ESOP Sub-Account" wherever it occurs therein and substituting therefor the
phrase "ESOP Account."

                                   Section 17
                                   ----------

         Section 16.13(1) of the Plan is hereby amended in its entirety to read
as follows:

                  "(1) PAYMENT OF DIVIDENDS. (a)The Committee, in its sole
         discretion, may provide that any dividends paid in cash during the Plan
         Year on shares of NCC Stock held in the NCC Stock Fund shall be (i)
         paid in cash directly to the Participant, (ii) paid to the Plan and
         subsequently distributed to the Participant in cash no later than 90
         days after the close of the Plan Year in which the dividends are paid
         to the Plan, (iii) at the election of the Participant, either (A) paid
         to the Participant as provided in Clause (i) or (ii) (as determined by
         the Committee) or (B) paid to the Participant's ESOP Account to be
         reinvested in the NCC Stock Fund or (iv) used to make payments on an
         ESOP Loan. Such dividends shall be paid or used in accordance with
         procedures established by the Committee.

                  (b) If an election pursuant to Paragraph (a)(iii) is provided
         by the Committee, each Participant may make the election, in the manner
         and at the time





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         specified by the Committee, with respect to dividends received on
         shares of NCC Stock comprising the portion of the NCC Stock Fund
         allocated to the Participant's ESOP Account. If an election pursuant to
         Paragraph (a)(iii) is provided by the Committee and a Participant does
         not make such an election, such dividends shall be paid to the
         Participant's ESOP Account to be reinvested in the NCC Stock Fund.

                  (c) The Beneficiary of a deceased Participant and a
         Participant's alternate payee shall have the same rights as a
         Participant has under this Subsection (1).

                  (d) The provisions of this Subsection (1) are intended to
         implement the provisions of Code section 404(k) and shall be
         interpreted and applied accordingly."

                                   Section 18
                                   ----------

         Section 16.13(2) of the Plan is hereby amended by deleting the phrase
"ESOP Sub-Account" wherever it occurs therein and substituting therefor the
phrase "ESOP Account."


         EXECUTED this ______ day of ____________, 2001.


NATIONAL CITY BANK, TRUSTEE                 NATIONAL CITY CORPORATION



By:____________________________             By:____________________________
   Title:                                      Title:



                                            By:____________________________
                                               Title:






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