Document:

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                                                                     Exhibit 4.7

                             FORM OF FIRST AMENDMENT
                                       TO
                 THE NATIONAL CITY CREDIT CARD MASTER NOTE TRUST
                                    INDENTURE

     THIS FIRST AMENDMENT TO THE NATIONAL CITY CREDIT CARD MASTER NOTE TRUST
INDENTURE, dated as of [ ], 200[ ](this "Amendment") is by and between the
NATIONAL CITY CREDIT CARD MASTER NOTE TRUST, a statutory trust created under the
laws of the State of Delaware, as Issuer, and THE BANK OF NEW YORK, a New York
banking corporation, as Indenture Trustee.

     WHEREAS the Issuer and the Indenture Trustee have executed that certain
Indenture, dated as of August 23, 2005 (as amended and supplemented through the
date hereof and as the same may be further amended, supplemented or otherwise
modified and in effect from time to time, the "Indenture");

     WHEREAS the Issuer and the Indenture Trustee wish to amend the Indenture as
provided herein;

     NOW THEREFORE, in consideration of the promises and the agreements
contained herein, the parties hereto agree to amend the provisions of the
Indenture as follows:

     SECTION 1. Amendment of Section 101. Section 101 of the Indenture is hereby
amended by adding the following definitions in the appropriate alphabetical
order:

          "Regulation AB" means Subpart 229.1100 -- Asset Backed Securities
     (Regulation AB), 17 C.F.R. Sections 229.1100-229.1123, as such may be
     amended from time to time, and subject to such clarification and
     interpretation as have been provided by the Commission in the adopting
     release (Asset-Backed Securities, Securities Act Release No. 33-8518, 70
     Fed. Reg. 1,506, 1,531 (January 7, 2005)) or by the staff of the
     Commission, or as may be provided by the Commission or its staff from time
     to time.

          "Sarbanes Certification" is defined in Section 1504(iii).

          "Securitization Transaction" means any issuance of new Notes of any
     series, class or tranche, pursuant to Section 310, whether publicly offered
     or privately placed, rated or unrated.

          "Servicing Criteria" means the "servicing criteria" set forth in Item
     1122(d) of Regulation AB, as such may be amended from time to time.

     SECTION 2. Amendment of Section 310. Section 310(b) of the Indenture is
hereby amended by adding the following sentence at the end of such Section:

<PAGE>

          In addition, the Issuer agrees to provide notice of new issuances of
     series, classes or tranches of Notes as may be required by and in
     accordance with Item 1121(a)(14) of Regulation AB.

     SECTION 3. Amendment to the Indenture Supplement. The Indenture is hereby
amended by adding the following new Article XV after Article XIV of the
Indenture:

                                   ARTICLE XV
                          COMPLIANCE WITH REGULATION AB

          Section 1501. Intent of the Parties; Reasonableness. National City and
     the Indenture Trustee acknowledge and agree that the purpose of this
     Article XV is to facilitate compliance by National City with the provisions
     of Regulation AB and related rules and regulations of the Commission.
     National City shall not exercise its right to request delivery of
     information or other performance under these provisions other than in good
     faith, or for purposes other than National City's compliance with the
     Securities Act, the Securities Exchange Act and the rules and regulations
     of the Commission thereunder (or the provision in a private offering of
     disclosure comparable to that required under the Securities Act). The
     Indenture Trustee agrees to cooperate in good faith with any reasonable
     request by National City for information regarding the Indenture Trustee
     which is required in order to enable National City to comply with the
     provisions of Items 1109(a), 1109(b), 1117, 1118, 1119 and 1122 of
     Regulation AB as it relates to the Indenture Trustee or to the Indenture
     Trustee's obligations under this Indenture or any Indenture Supplement.

          Section 1502. Additional Representations and Warranties of the
     Indenture Trustee. The Indenture Trustee shall be deemed to represent to
     National City, as of the date on which information is provided to National
     City under Section 1503 that, except as disclosed in writing to National
     City prior to such date: (i) neither the execution or the delivery by the
     Indenture Trustee of this Indenture or any Indenture Supplement, the
     performance by the Indenture Trustee of its obligations under this
     Indenture or any Indenture Supplement nor the consummation of any of the
     transactions by the Indenture Trustee contemplated thereby, is in violation
     of any indenture, mortgage, bank credit agreement, note or bond purchase
     agreement, long-term lease, license or other agreement or instrument to
     which the Indenture Trustee is a party or by which it is bound, which
     violation would have a material adverse effect on the Indenture Trustee's
     ability to perform its obligations under this Indenture or any Indenture
     Supplement, or of any judgment or order applicable to the Indenture
     Trustee; and (ii) there are no proceedings pending or threatened against
     the Indenture Trustee in any court or before any governmental authority,
     agency or arbitration board or tribunal which, individually or in the
     aggregate, would have a material adverse effect on the right, power and
     authority of the Indenture Trustee to enter into this Indenture or any
     Indenture Supplement or to perform its obligations under this Indenture or
     any Indenture Supplement.

          Section 1503. Information to Be Provided by the Indenture Trustee. The
     Indenture Trustee shall (i) on or before the [[___] Business Day of each
     month], provide

<PAGE>

     to National City, in writing, such information regarding the Indenture
     Trustee as is requested for the purpose of compliance with Item 1117 of
     Regulation AB, and (ii) as promptly as practicable following notice to or
     discovery by the Indenture Trustee of any changes to such information,
     provide to National City, in writing, such updated information.

          (a) The Indenture Trustee shall (i) on or before the[___] Business Day
     of each [_______], provide to National City such information regarding the
     Indenture Trustee as is requested for the purpose of compliance with Items
     1103(a)(1), 1109(a), 1109(b), 1118 and 1119 of Regulation AB, and (ii) as
     promptly as practicable following notice to or discovery by the Indenture
     Trustee of any changes to such information, provide to National City, in
     writing, such updated information. Such information shall include, at a
     minimum:

               (A) the Indenture Trustee's name and form of organization;

               (B) a description of the extent to which the Indenture Trustee
          has had prior experience serving as a trustee for asset-backed
          securities transactions involving credit card receivables;

               (C) a description of any affiliation or relationship between the
          Indenture Trustee and any of the following parties to a Securitization
          Transaction, as such parties are identified to the Indenture Trustee
          by National City in writing in advance of such Securitization
          Transaction:

                    (1) the sponsor;
                    (2) any depositor;
                    (3) the issuing entity;
                    (4) any servicer;
                    (5) any trustee;
                    (6) any originator;
                    (7) any significant obligor;
                    (8) any enhancement or support provider; and
                    (9) any other material transaction party.

          In connection with the above-listed parties, a description of whether
          there is, and if so the general character of, any business
          relationship, agreement, arrangement, transaction or understanding
          that is entered into outside the ordinary course of business or is on
          terms other than would be obtained in an arm's length transaction with
          an unrelated third party, apart from the asset-backed securities
          transaction, that currently exists or that existed during the past two
          years and that is material to an investor's understanding of the
          asset-backed securities.

          Section 1504. Report on Assessment of Compliance and Attestation. On
     or before March 15 of each calendar year, commencing in 2007, the Indenture
     Trustee shall:

<PAGE>

               (i) deliver to National City a report regarding the Indenture
          Trustee's assessment of compliance with the Servicing Criteria during
          the immediately preceding calendar year, as required under Rules
          13a-18 and 15d-18 of the Securities Exchange Act and Item 1122 of
          Regulation AB. Such report shall be addressed to National City and
          signed by an authorized officer of the Indenture Trustee, and shall
          address each of the Servicing Criteria specified in Exhibit F hereto
          or such criteria as mutually agreed upon by National City and the
          Indenture Trustee;

               (ii) deliver to National City a report of a registered public
          accounting firm reasonably acceptable to National City that attests
          to, and reports on, the assessment of compliance made by the Indenture
          Trustee and delivered pursuant to the preceding paragraph. Such
          attestation shall be in accordance with Rules 1-02(a)(3) and 2-02(g)
          of Regulation S-X under the Securities Act and the Securities Exchange
          Act; and

               (iii) deliver to National City and any other Person that will be
          responsible for signing the certification (a "Sarbanes Certification")
          required by Rules 13a-14(d) and 15d-14(d) under the Securities
          Exchange Act (pursuant to Section 302 of the Sarbanes-Oxley Act of
          2002) on behalf of the Issuer, the Master Trust or National City with
          respect to a Securitization Transaction a certification substantially
          in the form attached hereto as Exhibit E or such form as mutually
          agreed upon by National City and the Indenture Trustee.

     The Indenture Trustee acknowledges that the parties identified in clause
     (iii) above may rely on the certification provided by the Indenture Trustee
     pursuant to such clause in signing a Sarbanes Certification and filing such
     with the Commission.

     SECTION 4. Addition of Exhibits E and F to Indenture. The Indenture is
hereby amended by adding new Exhibits E and F in their respective forms attached
hereto after Exhibit D-3 to the Indenture.

     SECTION 5. Effectiveness. The amendments provided for by this Amendment
shall become effective upon the delivery of the following:

          (a) A Master Trust Tax Opinion.

          (b) An Issuer Tax Opinion.

          (c) An officer's certificate from the Issuer to the Indenture Trustee
     and the Owner Trustee to the effect that the Issuer reasonably believes
     that this Amendment will not have an Adverse Effect and is not reasonably
     expected to have an Adverse Effect at any time in the future.

          (d) Written confirmation from the Note Rating Agencies that this
     Amendment will not have a Ratings Effect.

<PAGE>

          (e) Counterparts of this Amendment, duly executed by the parties
     hereto.

     SECTION 6. Indenture and Indenture Supplements in Full Force and Effect as
Amended. Except as specifically amended or waived hereby, all of the terms and
conditions of the Indenture and the Indenture Supplements shall remain in full
force and effect. All references to the Indenture and the Indenture Supplements
in any other document or instrument shall be deemed to mean such Indenture and
Indenture Supplements as amended by this Amendment. This Amendment shall not
constitute a novation of the Indenture or the Indenture Supplements, but shall
constitute an amendment thereof. The parties hereto agree to be bound by the
terms and obligations of the Indenture and the Indenture Supplements, as amended
by this Amendment, as though the terms and obligations of the Indenture and the
Indenture Supplements were set forth herein.

     SECTION 7. Counterparts. This Amendment may be executed in any number of
counterparts and by separate parties hereto on separate counterparts, each of
which when executed shall be deemed an original, but all such counterparts taken
together shall constitute one and the same instrument.

     SECTION 8. Governing Law. THIS AMENDMENT WILL BE CONSTRUED IN ACCORDANCE
WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS
CONFLICT OF LAW PROVISIONS (OTHER THAN THE UNIFORM COMMERCIAL CODE) AND THE
OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN
ACCORDANCE WITH SUCH LAWS.

     SECTION 9. Defined Terms and Section References. Capitalized terms used
herein and not otherwise defined shall have the meanings assigned to such terms
in the Indenture. All Section or subsection references herein shall mean
Sections or subsections of the Indenture, except as otherwise provided herein.

<PAGE>

                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed by their respective officers as of the day and
year first above written.

                                    NATIONAL CITY CREDIT CARD MASTER
                                    NOTE TRUST, BY WILMINGTON TRUST COMPANY,
                                    NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS
                                    OWNER TRUSTEE

                                    By:____________________________
                                       Name:
                                       Title:

                                    THE BANK OF NEW YORK,
                                    AS INDENTURE TRUSTEE AND NOT IN ITS
                                    INDIVIDUAL CAPACITY

                                    By:____________________________
                                       Name:
                                       Title:

Acknowledged By:

NATIONAL CITY BANK,
AS BENEFICIARY AND AS SERVICER

By:________________________
   Name:
   Title:

<PAGE>

                                                                       EXHIBIT E

                          FORM OF ANNUAL CERTIFICATION

     Re:  The indenture dated as of August 23, 2005 (as amended, supplemented or
          otherwise modified from time to time, the "Agreement"), between
          National City Credit Card Master Note Trust and The Bank of New York

     I, ______________________, the _______________________ of [NAME OF COMPANY]
(the "Company"), certify to National City Bank, a national banking association
("National City"), and its officers, with the knowledge and intent that they
will rely upon this certification, that:

          (1) I have reviewed the report on assessment of the Company's
     compliance provided in accordance with Rules 13a-18 and 15d-18 under the
     Securities Exchange Act of 1934, as amended (the "Exchange Act") and Item
     1122 of Regulation AB (the "Servicing Assessment"), and the registered
     public accounting firm's attestation report provided in accordance with
     Rules 13a-18 and 15d-18 under the Exchange Act and Section 1122(b) of
     Regulation AB (the "Attestation Report") that were delivered by the Company
     to National City pursuant to the Agreement (collectively, the "Company
     Information");

          (2) To the best of my knowledge, the Company Information, taken as a
     whole, does not contain any untrue statement of a material fact or omit to
     state a material fact necessary to make the statements made, in the light
     of the circumstances under which such statements were made, not misleading
     with respect to the period of time covered by the Company Information;

          (3) To the best of my knowledge, all of the Company Information
     required to be provided by the Company under the Agreement has been
     provided to National City; and

          (4) To the best of my knowledge, except as disclosed in the Compliance
     Statement, the Servicing Assessment or the Attestation Report, the Company
     has fulfilled its obligations under the Agreement.

                                              Date: ____________________________

                                              By: ______________________________
                                              Name:
                                              Title:

<PAGE>

                                                                       EXHIBIT F

         SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE

     The assessment of compliance to be delivered by the Indenture Trustee shall
address, at a minimum, the criteria identified as below as "Applicable Servicing
Criteria":

<TABLE>
<CAPTION>
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                                   SERVICING CRITERIA                                      APPLICABLE SERVICING
                                                                                                 CRITERIA
----------------------------------------------------------------------------------------------------------------
     REFERENCE                                     CRITERIA
----------------------------------------------------------------------------------------------------------------
                        GENERAL SERVICING CONSIDERATIONS
----------------------------------------------------------------------------------------------------------------
<S>                  <C>                                                                <C>

1122(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.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
1122(d)(1)(iii)      Any requirements in the transaction agreements to maintain
                     a back-up servicer for the credit card accounts or accounts
                     are maintained.
----------------------------------------------------------------------------------------------------------------
1122(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.
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                       CASH COLLECTION AND ADMINISTRATION
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1122(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.
----------------------------------------------------------------------------------------------------------------
1122(d)(2)(ii)       Disbursements made via wire transfer on behalf of an obligor or to
                     an investor are made only by authorized personnel.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
                     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
1122(d)(2)(iv)       agreements.
----------------------------------------------------------------------------------------------------------------
1122(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 institution
                     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.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------
                                   SERVICING CRITERIA                                      APPLICABLE SERVICING
                                                                                                 CRITERIA
----------------------------------------------------------------------------------------------------------------
     REFERENCE                                     CRITERIA
----------------------------------------------------------------------------------------------------------------
                       INVESTOR REMITTANCES AND REPORTING
----------------------------------------------------------------------------------------------------------------
<S>                  <C>                                                                <C>
1122(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.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
                     Disbursements made to an investor are posted within two
                     business days to the Servicer's investor records, or such
                     other number of
1122(d)(3)(iii)      days specified in the transaction agreements.
----------------------------------------------------------------------------------------------------------------
                     Amounts remitted to investors per the investor reports
                     agree with cancelled checks, or other form of payment, or
                     custodial bank
1122(d)(3)(iv)       statements.
----------------------------------------------------------------------------------------------------------------
                            POOL ASSET ADMINISTRATION
----------------------------------------------------------------------------------------------------------------
1122(d)(4)(i)        Collateral or security on credit card accounts is
                     maintained as required by the transaction agreements or
                     related asset pool documents.
----------------------------------------------------------------------------------------------------------------
                     Account and related documents are safeguarded as required by the
1122(d)(4)(ii)       transaction agreements
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
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.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
1122(d)(4)(viii)     Records documenting collection efforts are maintained
                     during the period a 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).
----------------------------------------------------------------------------------------------------------------
1122(d)(4)(ix)       Adjustments to interest rates or rates of return for
                     Accounts with variable rates are computed based on the
                     related Account documents.
----------------------------------------------------------------------------------------------------------------
</TABLE>

<PAGE>

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------
                                   SERVICING CRITERIA                                      APPLICABLE SERVICING
                                                                                                 CRITERIA
----------------------------------------------------------------------------------------------------------------
     REFERENCE                                     CRITERIA
----------------------------------------------------------------------------------------------------------------
<S>                  <C>                                                                <C>

1122(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
                     applicable 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.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
1122(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.
----------------------------------------------------------------------------------------------------------------
                     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
1122(d)(4)(xiii)     agreements.
----------------------------------------------------------------------------------------------------------------
1122(d)(4)(xiv)       Delinquencies, charge-offs and uncollectible accounts are
                     recognized and recorded in accordance with the transaction
                     agreements.
----------------------------------------------------------------------------------------------------------------
                     Any external enhancement or other support, identified in
                     Item 1114(a)(1) through (3) or Item 1115 of Regulation AB,
                     is maintained
1122(d)(4)(xv)       as set forth in the transaction agreements.
----------------------------------------------------------------------------------------------------------------
</TABLE>

                                                 [NAME OF INDENTURE TRUSTEE]

                                                 Date: _________________________

                                                 By: ___________________________
                                                 Name:
                                                 Title:<PAGE>
                                                                    Exhibit 4.10

                             FORM OF FIRST AMENDMENT
                                       TO
                 THE NATIONAL CITY CREDIT CARD MASTER NOTE TRUST
                      AMENDED AND RESTATED TRUST AGREEMENT

     THIS FIRST AMENDMENT TO THE NATIONAL CITY CREDIT CARD MASTER NOTE TRUST
AMENDED AND RESTATED TRUST AGREEMENT, dated as of [ ] , 200[ ] (this
"Amendment") is by and between NATIONAL CITY BANK, a national banking
association, as Beneficiary and as Transferor, and WILMINGTON TRUST COMPANY, a
Delaware banking corporation, as Owner Trustee, and acknowledged and accepted by
the NATIONAL CITY CREDIT CARD MASTER NOTE TRUST.

     WHEREAS the Beneficiary and Transferor and the Owner Trustee have executed
that certain Amended and Restated Trust Agreement, dated as of August 23, 2005
(as amended and supplemented through the date hereof and as the same may be
further amended, supplemented or otherwise modified and in effect from time to
time, the "Trust Agreement");

     WHEREAS the National City Credit Card Master Note Trust, as Issuer, and The
Bank of New York, as Indenture Trustee, have executed that certain Indenture,
dated as of August 23, 2005 (as amended and supplemented through the date hereof
and as the same may be further amended, supplemented or otherwise modified and
in effect from time to time, the "Indenture");

     WHEREAS the Beneficiary and Transferor and the Owner Trustee wish to amend
the Trust Agreement as provided herein;

     NOW THEREFORE, in consideration of the promises and the agreements
contained herein, the parties hereto agree to amend the provisions of the Trust
Agreement as follows:

     SECTION 1. Amendment of Section 1.01. Section 1.01 is hereby amended by
adding the following definitions in the appropriate alphabetical order:

          "Exchange Act" means the Securities Exchange Act of 1934, as amended.

          "Regulation AB" means Subpart 229.1100 -- Asset Backed Securities
     (Regulation AB), 17 C.F.R. Sections 229.1100-229.1123, as such may be
     amended from time to time, and subject to such clarification and
     interpretation as have been provided by the Commission in the adopting
     release (Asset-Backed Securities, Securities Act Release No. 33-8518, 70
     Fed. Reg. 1,506, 1,531 (January 7, 2005)) or by the staff of the
     Commission, or as may be provided by the Commission or its staff from time
     to time.

<PAGE>

          "Securitization Transaction" means any transaction involving a new
     issuance of notes pursuant to the Indenture, whether publicly offered or
     privately placed, rated or unrated.

     SECTION 2. Amendment of Section 6.07. Section 6.07(c) of the Trust
Agreement is hereby amended by deleting such subsection in its entirety and
inserting in its place the following:

          (c) Neither the execution nor the delivery by it of this Agreement,
     the performance by it of its obligations under this Agreement, nor the
     consummation by it of the transactions contemplated hereby nor compliance
     by the Trustee Bank with any of the terms or provisions hereof will
     contravene any federal or Delaware law, governmental rule or regulation
     governing the banking or trust powers of the Owner Trustee or any judgment
     or order binding on the Trustee Bank, or constitute any default under its
     charter documents or by-laws or any indenture, mortgage, lease, license,
     contract, agreement or instrument to which the Trustee Bank is a party or
     by which the Trustee Bank or any of the Trustee Bank's properties may be
     bound.

     SECTION 3. Addition of Article XIII. The Trust Agreement is hereby amended
by adding the following new Article XIII after Article XII of the Trust
Agreement:

                                  ARTICLE XIII
                          COMPLIANCE WITH REGULATION AB

          Section 13.01. Intent of the Parties; Reasonableness. The Transferor
     and the Trustee Bank acknowledge and agree that the purpose of this Article
     XIII is to facilitate compliance by the Transferor with the provisions of
     Regulation AB and related rules and regulations of the Commission. The
     Transferor shall not exercise its right to request delivery of information
     or other performance under these provisions other than in good faith, or
     for purposes other than the Transferor's compliance with the Securities
     Act, the Exchange Act and the rules and regulations of the Commission
     thereunder (or the provision in a private offering of disclosure comparable
     to that required under the Securities Act). The Trustee Bank agrees to
     cooperate in good faith with any reasonable request by the Transferor for
     information regarding the Trustee Bank which is required in order to enable
     the Transferor to comply with the provisions of Items 1109(a), 1109(b),
     1117 and 1119 of Regulation AB as it relates to the Trustee Bank or to the
     Trustee Bank's obligations under this Agreement.

<PAGE>

          Section 13.02. Information to Be Provided by the Trustee Bank. The
     Trustee Bank shall, as promptly as practicable, notify the Transferor, in
     writing, of: (i) the commencement of, a material development in or, if
     applicable, the termination of, any and all legal proceedings against the
     Trustee Bank or any and all proceedings which any property of the Trustee
     Bank is the subject, that is material to the noteholders; and (ii) any such
     proceedings known to be contemplated by governmental authorities. The
     Trustee Bank shall also notify the Transferor, in writing, as promptly as
     practicable following notice to or discovery by the Trustee Bank of any
     material changes to proceedings described in the preceding sentence. In
     addition, the Trustee Bank will furnish to the Transferor, in writing, the
     necessary disclosure regarding the Trustee Bank describing such proceedings
     required to be disclosed under Item 1117 of Regulation AB, for inclusion in
     reports filed by or on behalf of the Transferor pursuant to the Exchange
     Act.

          Notwithstanding the provisions of Section 13.01, the Trustee Bank
     shall (i) on an annual basis, provide to the Transferor such information
     regarding the Trustee Bank as is requested for the purpose of compliance
     with Items 1109(a), 1109(b), 1118 and 1119 of Regulation AB, and (ii) as
     promptly as practicable following notice to or discovery by the Trustee
     Bank of any material changes to such information, provide to the
     Transferor, in writing, such updated information. Such information shall
     include, at a minimum:

               (A) the Trustee Bank's name and form of organization;

               (B) a description of the extent to which the Trustee Bank has had
          prior experience serving as a trustee for asset-backed securities
          transactions involving credit card receivables;

               (C) a description of any affiliation between the Trustee Bank and
          any of the following parties to a Securitization Transaction, as such
          parties are identified to the Trustee Bank by the Transferor in
          writing in advance of such Securitization Transaction:

                    (1) the sponsor;
                    (2) any depositor;
                    (3) the issuing entity;
                    (4) any servicer;
                    (5) any trustee;
                    (6) any originator;
                    (7) any significant obligor;
                    (8) any enhancement or support provider; and
                    (9) any other material transaction party.

          In connection with the above-listed parties, a description of whether
          there is, and if so the general character of, any business
          relationship, agreement, arrangement, transaction or understanding
          that is entered into outside the ordinary course of

<PAGE>

          business or is on terms other than would be obtained in an arm's
          length transaction with an unrelated third party, apart from the
          asset-backed securities transaction, that currently exists or that
          existed during the past two years and that is material to an
          investor's understanding of the asset-backed securities.

     SECTION 4. Effectiveness. The amendments provided for by this Amendment
shall become effective upon the delivery of the following:

          (a) A Master Trust Tax Opinion.

          (b) An Issuer Tax Opinion.

          (c) An officer's certificate from the Trust to the Indenture Trustee
     and the Owner Trustee to the effect that the Trust reasonably believes that
     this Amendment will not have an Adverse Effect and is not reasonably
     expected to have an Adverse Effect at any time in the future. (d) Prior
     written notice of this Amendment to each Note Rating Agency.

          (e) Counterparts of this Amendment, duly executed by the parties
     hereto.

     SECTION 5. Direction to the Owner Trustee. By its execution of this
Amendment, the Beneficiary hereby authorizes and directs the Owner Trustee,
pursuant to Sections 2.03, 5.01 and 9.01 of the Trust Agreement, to execute this
Amendment.

     SECTION 6. Trust Agreement in Full Force and Effect as Amended. Except as
specifically amended or waived hereby, all of the terms and conditions of the
Trust Agreement shall remain in full force and effect. All references to the
Trust Agreement in any other document or instrument shall be deemed to mean such
Trust Agreement as amended by this Amendment. This Amendment shall not
constitute a novation of the Trust Agreement, but shall constitute an amendment
thereof. The parties hereto agree to be bound by the terms and obligations of
the Trust Agreement, as amended by this Amendment, as though the terms and
obligations of the Trust Agreement were set forth herein.

     SECTION 7. Counterparts. This Amendment may be executed in any number of
counterparts and by separate parties hereto on separate counterparts, each of
which when executed shall be deemed an original, but all such counterparts taken
together shall constitute one and the same instrument.

     SECTION 8. Governing Law; Submission to Jurisdiction; Agent for Service of
Process. This Amendment shall be governed by and construed in accordance with
the laws of the State of Delaware, without regard to principles of conflict of
laws. The parties hereto declare that it is their intention that this Amendment
shall be regarded as made under the laws of the State of Delaware and that the
laws of said State shall be applied in interpreting its provisions in all cases
where legal interpretation shall be required. Each of the parties hereto agrees
(a) that this Amendment involves at least $100,000.00, and (b) that this
Amendment has been entered into by the parties hereto in express reliance upon 6
DEL. C. Section 2708. Each of the parties hereto

<PAGE>

hereby irrevocably and unconditionally agrees (a) to be subject to the
jurisdiction of the courts of the State of Delaware and of the federal courts
sitting in the State of Delaware, and (b)(1) to the extent such party is not
otherwise subject to service of process in the State of Delaware, to appoint and
maintain an agent in the State of Delaware as such party's agent for acceptance
of legal process, and (2) that, to the fullest extent permitted by applicable
law, service of process may also be made on such party by prepaid certified mail
with a proof of mailing receipt validated by the United States Postal Service
constituting evidence of valid service, and that service made pursuant to (b)(1)
or (2) above shall, to the fullest extent permitted by applicable law, have the
same legal force and effect as if served upon such party personally within the
State of Delaware.

     SECTION 9. Defined Terms and Section References. Capitalized terms used
herein and not otherwise defined shall have the meanings assigned to such terms
in the Trust Agreement and if not in the Trust Agreement, then they shall have
the meanings assigned to such terms in the Indenture. All Section or subsection
references herein shall mean Sections or subsections of the Trust Agreement,
except as otherwise provided herein.

<PAGE>

     IN WITNESS WHEREOF, the Beneficiary and Transferor and the Owner Trustee
have caused this Amendment to be duly executed by their respective officers as
of the day and year first above written.

                                                NATIONAL CITY BANK,
                                                AS BENEFICIARY AND AS TRANSFEROR

                                                By:_____________________________
                                                Name:
                                                Title:

                                                WILMINGTON TRUST COMPANY,
                                                AS OWNER TRUSTEE

                                                By:_____________________________
                                                Name:
                                                Title:

Acknowledged and Accepted:

NATIONAL CITY CREDIT CARD MASTER NOTE TRUST

By:  Wilmington Trust Company, not in its individual capacity
     but solely as Owner Trustee

By:
   -----------------------------------------
Name:
Title:

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