Document:

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                                                                   Exhibit 10.41

                            AGREEMENT NOT TO COMPETE

         In consideration of their mutual promises and agreements and subject to
the terms and conditions set forth below in this Agreement Not to Compete (this
"Agreement"), National City Corporation, a Delaware corporation ("National
City") and Robert J. Ondercik, Executive Vice President of National City
("Executive") hereby agree as follows:

         1.       DEFINITIONS. Whenever used herein, the following terms shall
have the meanings set forth below, unless otherwise expressly provided. When the
defined meaning is intended, the term is capitalized.

         (a)      "Confidential Information" has the meaning set forth in
paragraph 3(d) hereof.

         (b)      "Cause" means that, prior to any termination, the Executive
shall have committed:

                  (i) an intentional act of fraud, embezzlement or theft in
                  connection with his or her duties or in the course of his
                  employment with the Employers,

                  (ii) an intentional wrongful damage to property of Employers,

                  (iii) violation of any of the Provisions.

                  For purposes of this section, no act or failure to act on the
                  part of the Executive shall be deemed "intentional" if it was
                  due primarily to an error in judgment or negligence, but shall
                  be deemed "intentional" only if done or omitted to be done by
                  the Executive not in good faith and without reasonable belief
                  that his action or omission was in the best interest of the
                  Employers.

         (c)      "Employers" shall mean National City and its affiliates.

         (d)      "Employers' Businesses" has the meaning set forth in section 5
                  hereof.

         (e)      "Provisions" shall mean all provisions, terms, conditions,
                  representations, warranties, sections, subsections, agreements
                  and covenants contained in this Agreement.

         (f)      "Restricted Area" shall mean the States of Ohio, Pennsylvania,
                  Kentucky, Michigan, Indiana, Illinois, and Missouri.

         (g)      "Restricted Period" has the meaning set forth in paragraph
                  3(a) hereof.

         (h)      "Termination Date" means the later of the Executive's last day
                  actively at work or the last day the Executive receives salary
                  continuation.

Except when otherwise indicated by the context, any definition of any term in
the singular shall include the plural and the plural shall include the singular.

         2.       TERM OF AGREEMENT. The term of this Agreement shall be from
the date hereof through the Restricted Period.

         3.       NON-COMPETE. Executive acknowledges and agrees that in the
performance of his duties of employment with the Employers he may be in contact
with customers, potential customers and/or information about customers or
potential customers of the Employers either in person, through the mails, by
telephone or by other electronic means. Executive also acknowledges and agrees
that trade secrets and confidential information of the Employers, more fully
described in paragraph 3(d) of this Agreement, gained by Executive during his
employment

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with the Employers, have been developed by the Employers through substantial
expenditures of time, effort and financial resources and constitute valuable and
unique property of the Employers. Executive further understands, acknowledges
and agrees that the foregoing makes it necessary for the protection of the
Employers' businesses that Executive not compete, not divert business or
customers from the Employers, and that the Executive maintain the
confidentiality and integrity of the Confidential Information as hereinafter as
defined:

                  (a)      Executive agrees that he will not, during his
         employment by the Employers and for a period of one (1) year after his
         Termination Date (the "Restricted Period"), compete with Employers
         within the Restricted Area.

                  (b)      Executive and National City agree that the term
         "compete" or "competing" shall mean any situation where the Executive:

                  (i)      enters into, engages in, becomes an employee of or
         acquires an ownership of more than one percent (1%) of any business
         that competes with the Employers' Businesses (as hereinafter defined
         below) in the Restricted Area;

                  (ii)     directly or indirectly solicits, diverts, entices or
         accepts any customers, clients, business patronage or orders from any
         customers, clients, or businesses with whom Executive has had contact,
         involvement or responsibility during Executive's employment with the
         Employers on behalf of any person (including Executive), firm,
         association, or corporation that competes with the Employers'
         Businesses;

                  (iii)    directly or indirectly solicits, diverts, entices or
         takes away any potential customer identified, selected or targeted by
         the Employers with whom the Executive has had contact, involvement or
         responsibility during Executive's employment with the Employers, or
         attempts to do so, for the sale of any product or service that is the
         same as, similar to, or a substitute for, any product or service
         offered by the Employers' Businesses; or

                  (iv)     promotes or assists, financially or otherwise, any
         person, firm, association or corporation engaged in any business that
         is the same as, similar to, or a substitute for, any product or service
         offered by the Employers' Businesses.

                  (c)      Executive agrees that he will not directly or
         indirectly at any time during or after the term of this Agreement
         solicit, induce, confer or discuss with any employee of the Employers
         or attempt to solicit, induce confer or discuss with any employee of
         the Employers the prospect of leaving the employ of the Employers,
         termination of his or her employment with the Employers, or the subject
         of employment by some other person or organization. Executive further
         agrees that he will not directly or indirectly at any time during or
         after the term of this Agreement hire or attempt to hire any employee
         of the Employers.

                  (d)      Executive will keep in strict confidence, and will
         not, directly or indirectly, at any time during or after the term of
         this Agreement, disclose, furnish, disseminate, make available or use
         (except in the course of performing his duties of employment with the
         Employers) any trade secrets or confidential business or technical
         information of the Employers or their customers (the "Confidential
         Information"), without limitation as to when or how Executive may have
         acquired such information. The Confidential Information shall include
         the whole or any portion or phase of any scientific or technical
         information, design, process, procedure, formula, pattern, compilation,
         program, device, method, technique or improvement, or any business
         information or

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         plans, financial information, or listing of names, addresses or
         telephone numbers, including without limitation, information relating
         to the Employers' customers or prospective customers, the Employers'
         customer list, contract information including terms, pricing and
         services provided, information received as a result of customer
         contacts, the Employers' products and processing capabilities, methods
         of operation, business plans, financials or strategy, and agreements to
         which the Employers may be a party. The Confidential Information shall
         not include information that is or becomes publicly available other
         than as a result of disclosure by the Executive. Executive specifically
         acknowledges that the Confidential Information, whether reduced to
         writing or maintained in the mind or memory of Executive and whether
         compiled by the Employers and/or Executive, derives independent
         economic value from not being readily known to or ascertainable by
         proper means by others who can obtain economic value from its
         disclosure or use, that reasonable efforts have been put forth by the
         Employers to maintain the secrecy of such information, that such
         information is the sole property of the Employers and that any
         retention and use of such information during or after the Executive's
         employment with the Employers (except in the course of performing his
         duties of employment with the Employers) shall constitute a
         misappropriation of the Employers' trade secrets. Executive further
         agrees that, at the time of termination of his employment he will
         return to the Employers, in good condition, all property of the
         Employers, including, without limitation, the Confidential Information.
         In the event that said items are not so returned, the Employers shall
         have the right to charge Executive for all reasonable damages, costs,
         attorney's fees and other expenses incurred in searching for, taking,
         removing, and/or recovering such property. If the Executive is
         requested or required (either verbally or in writing) to disclose any
         Confidential Information, he shall promptly notify the Employers of
         this request and he shall promptly provide the Employers with a copy of
         the written request or a description of any verbal request so that the
         Employers may seek a protective order or other appropriate remedy. If a
         protective order or other appropriate remedy is not obtained in a
         reasonable period of time, the Executive may furnish only that portion
         of the Confidential Information that he is legally required to
         disclose.

         4.       INDIRECT COMPETITION. For the purposes of section 3 of this
Agreement, Executive understands and agrees that he will be competing if he
engages in any or all of the activities set forth therein directly as an
individual on his own account, or indirectly, including, but not limited to, as
a partner, joint venturer, employee, agent, salesman, consultant, officer and/or
director of any firm or corporation that engages in any or all of the activities
set forth in section 3, or as a equity holder of any entity or corporation that
engages in any or all of the activities set forth in section 3 in which
Executive or his spouse beneficially owns, directly or indirectly, individually
or in the aggregate, more than one percent (1%) of the outstanding equity.
Notwithstanding the above, Executive will not be deemed to be competing as
defined in section 3 and this section 4 by engaging or investing solely as a
venture capitalist in businesses that do not compete with Employers' Businesses.

         5.       EMPLOYERS BUSINESSES. For the purposes of this Agreement,
"Employers' Businesses" shall mean each and all products and services that
Executive provided or was responsible for providing, directly or indirectly, at
any time during his last 3 years of employment with the Employers.

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         6.       MODIFICATION. While the restrictions set forth herein are
considered by the parties to be reasonable in all circumstances, it is
recognized that restrictions of this nature may fail for reasons unforeseen, and
accordingly it is hereby agreed and declared that if any of such restrictions
shall be adjudged to be void as going beyond what is reasonable in all the
circumstances, but would be valid if the geographical area or temporal extent
were reduced in part, or the range of activities or area dealt with thereby
reduced in scope, the said restriction shall apply with such modification as may
be necessary to make it valid and effective.

         7.       CONSIDERATION. Executive acknowledges that his obligations
under this Agreement are reasonable in the context of the nature of Employers'
Businesses and the competitive injuries likely to be sustained by Employers if
Executive violated such obligations. Executive further acknowledges that this
Agreement is made as a condition to, and in consideration of, Executive's early
retirement effective July 31, 2004, and his receiving, upon the execution of
this Agreement, approval by the Compensation and Organization Committee of the
Board of Directors of National City Corporation, or its designee, (a)
accelerated vesting to April 15, 2004 of the special supplemental cash awards
originally scheduled to vest on January 3 and February 26, 2005, respectively,
(b) accelerated vesting to April 15, 2004 of the National City Corporation
Restricted Stock Award granted to Executive on April 22, 2002, (c) approval of
Executive's eligibility for an Early Retirement Benefit pursuant to and as
defined in section 4.3 the National City Corporation Supplemental Executive
Retirement Plan as Amended and Restated July 1, 2002 (the "SERP"), and (d)
release of the restrictions on the Restricted Stock previously granted as an
offset to the SERP as of the retirement date which constitute new and/or good,
valuable and sufficient consideration. Executive acknowledges that his
employment relationships with Employers is and following the execution of this
Agreement shall continue to be "at will," and may be terminated at any time and
for any reason, by Employers or by Executive

         8.       DISCLOSURE TO SUBSEQUENT EMPLOYERS. During the Restricted
Period Executive agrees to communicate the contents of this Agreement to any
person, firm, association, or corporation that Executive intends to be employed
by, associated with, or represent.

         9.       INADEQUATE REMEDY. Executive acknowledges and agrees that the
remedy at law available to Employers for breach of any of his obligations under
this Agreement would be inadequate, and agrees and consents that in addition to
any other rights or remedies that Employers may have at law or in equity,
temporary and permanent injunctive relief may be granted in any proceeding that
may be brought to enforce any provision contained in sections 3 through 8 of
this Agreement, without the necessity of proof of actual damage.

         10.      FORFEITURE. Notwithstanding any Provisions to the contrary, in
the event that the Employers make the reasonable determination that the
Executive has violated any of the Provisions, then any amounts owed under this
Agreement to the Executive or his beneficiaries, excluding any vested benefits
under the SERP, vested special supplemental cash awards, and vested Restricted
Stock awards described in section 7 (a) though (d), shall be forfeited and no
longer payable to such Executive or to any person claiming by or through the
Executive. The Executive will, however, continue to be obligated to comply with
the Provisions through the term of this Agreement.

         11.      WITHHOLDING TAXES. National City may withhold from any amounts
payable under this Agreement such federal, state and local taxes as may be
required to be withheld pursuant to any applicable law or regulation.

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         12.      SEVERABLE PROVISIONS. All Provisions are severable and, in the
event any one of them shall be held to be invalid by any competent court, this
Agreement shall be interpreted as if such Provision was not contained herein,
and such determination shall not otherwise affect the validity of any other
Provision. The Provisions shall be applicable irrespective of whether
termination of Executive's employment shall be by National City or by the
Executive, whether voluntary or involuntary, whether for cause or without cause,
and whether by reason of the expiration any other written or oral agreement or
arrangement (or any extensions thereof) with National City.

         13.      FAILURE TO ENFORCE. The failure of National City to enforce
any of the Provisions shall not be construed to be a waiver of such Provision or
of the right of National City thereafter to enforce each and every Provision.

         14.      ASSIGNMENT. National City may sell, transfer or assign this
Agreement or any rights, title, interest or obligation under this Agreement to
any third party without the prior consent of the Executive. Executive may not,
however, sell, transfer or assign this Agreement or any rights, title and
interest under this Agreement or delegate any obligations under this Agreement
without the prior written consent of National City. Any such purported
assignment or delegation by the Executive made without prior written consent of
National City shall be null and void.

         15.      EFFECTIVENESS, GOVERNING LAW, JURISDICTION. This Agreement
shall take effect upon execution by Executive and National City and, except as
preempted by the laws of the United States, shall be governed by, and construed
in accordance with, the internal, substantive laws of the State of Ohio. The
Executive agrees that any action, claim, counterclaim, cross claim proceeding,
or suit, whether at law or in equity, whether sounding in tort, contract, or
otherwise at any time arising under or in connection with this Agreement, the
administration, enforcement, or negotiation of this Agreement, or the
performance of any obligations in respect of this Agreement (each such action,
claim, counterclaim, cross claim, proceeding, or suit, an "Action") shall be
brought exclusively in a federal court or state court located in the city of
Cleveland, Ohio. Each of the parties hereby unconditionally submit to the
jurisdiction of any such court with respect to each such Action, consents to
service of process in connection with any Action and waives any objection each
of the parties may now or hereafter have to the venue of any such Action brought
in any such court.

         16.      CAPTIONS AND SECTIONS. The captions to the sections and
subsections of this Agreement are inserted for convenience only and shall be
ignored in interpreting the Provisions. Each reference to a section includes a
reference to each and all subsections thereof except where the context clearly
does not so permit.

         17.      COUNTERPARTS. This Agreement may be signed in counterparts,
each of which shall be an original, with the same effect as if the signatures
thereto and hereto were upon the same instrument.

         18.      SURVIVAL. The Provisions of sections 3, 4, 6, 9 and 15 of this
Agreement shall survive the term of this Agreement and continue indefinitely.

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         19.      KNOWLEDGEABLE EXECUTION. Executive represents that, prior to
signing this Agreement, he has read, fully understands and voluntarily agrees to
the terms and conditions as stated above, that he was not coerced to sign this
Agreement, that he was not under duress at the time he signed this Agreement and
that, prior to signing this Agreement, he had adequate time to consider entering
into this Agreement, including without limitation, the opportunity to discuss
the terms and conditions of this Agreement, as well as its legal consequences,
with an attorney of his choice.

IN WITNESS WHEREOF, the parties hereto have duly executed this Agreement dated
the ________ day of _________________, 2004.

                                           EXECUTIVE:

                                           _____________________________________

                                           NATIONAL CITY

                                           By: _________________________________
                                               __________________________
                                               __________________________

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                                                                   EXHIBIT 10.42

                                 AMENDMENT NO. 2
                              TO THE NATIONAL CITY
                           SAVINGS AND INVESTMENT PLAN
               (as amended and restated effective January 1, 2001)

         National City Corporation, a Delaware corporation, and National City
Bank, a national banking association, Trustee, hereby evidence the adoption of
this Amendment No. 2 to the National City Savings and Investment Plan, as
amended and restated effective January 1, 2001 (the "Plan").

1.       Effective January 1, 2003, Section 6.8 if Article VI of the Plan is
hereby amended by the deletion of Section 6.8 in its entirety and the
substitution in lieu thereof of a new Section 6.8 to read as follows:

         "6.8     Distributions Pursuant to Section 401(a)(9) of the Code.

                  (1)      Definitions. For the purposes of this Section, the
         following terms, when used with initial capital letters, shall have the
         following respective meanings:

                           (a)      Designated Beneficiary: The person who is
         designated as the Beneficiary as defined in Section 1.1(5) of the Plan
         and is the designated beneficiary under section 401(a)(9) of the Code
         and section 1.401(a)(9)-1, Q&A-4, of the Treasury Regulations.

                           (b)      Distribution Calendar Year: A calendar year
         for which a minimum distribution is required. For distributions
         beginning before the Participant's death, the first Distribution
         Calendar Year is the calendar year immediately preceding the calendar
         year which contains the Participant's Required Beginning Date. For
         distributions beginning after the Participant's death, the first
         Distribution Calendar Year is the calendar year in which distributions
         are required to begin under paragraph (b) of Section 6.8(3) of the
         Plan. The required minimum distribution for the Participant's first
         Distribution Calendar Year will be made on or before the Participant's
         Required Beginning Date. The required minimum distribution for other
         Distribution Calendar Years, including the required minimum
         distribution for the Distribution Calendar Year in which the
         Participant's Required Beginning Date occurs, will be made on or before
         December 31 of that Distribution Calendar Year.

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                           (c)      Life Expectancy: Life expectancy as computed
         by use of the Single Life Table in section 1.401(a)(9)-9 of the
         Treasury Regulations.

                           (d)      Participant's Account Balance: The Account
         balance as of the last Valuation Date in the calendar year immediately
         preceding the Distribution Calendar Year (the "Valuation Calendar
         Year") increased by the amount of any contributions made and allocated
         or forfeitures allocated to the Account balance as of dates in the
         Valuation Calendar Year after the Valuation Date and decreased by
         distributions made in the Valuation Calendar Year after the Valuation
         Date. The Account balance for the Valuation Calendar Year includes any
         amounts rolled over or transferred to the Plan either in the Valuation
         Calendar Year or in the Distribution Calendar Year if distributed or
         transferred in the Valuation Calendar Year.

                           (e)      Required Beginning Date: The applicable date
         specified in Subsection (3) below.

                  (2)      General Rules. Notwithstanding any provision of the
         Plan to the contrary, all distributions under the Plan shall be made in
         accordance with this Section and the Treasury Regulations issued under
         section 401(a)(9) of the Code, provided that this Section and such
         Regulations shall override the other distribution provisions of the
         Plan only to the extent required by the provisions of section 401(a)(9)
         of the Code and such Regulations.

                  (3)      Time of Distribution. (a) The Participant's entire
         interest will be distributed, or begin to be distributed, to the
         Participant no later than the Participant's Required Beginning Date.
         Except as described in (b) below, the Required Beginning Date of a
         Participant who is a 5% owner (as defined in Section 416 of the Code)
         shall be the April 1 of the calendar year following the calendar year
         he attains age 70-1/2 and the Required Beginning Date of any other
         Participant shall be the April 1 of the calendar year following the
         later of (i) the calendar year he terminates employment or (ii) the
         calendar year he attains age 70-1/2. Notwithstanding the foregoing, a
         Participant who is not a 5% owner may elect to have his entire interest
         distributed, or begin to be distributed, by the April 1 of the year
         following his attainment of age 70-1/2.

                           (b)      If the Participant dies before distributions
         begin, the Participant's entire interest will be distributed, or begin
         to be distributed, no later than as follows:

                           (i)      If the Participant's surviving Spouse is the
         Participant's sole Designated Beneficiary, then, unless the election
         described in (d) below is made, distributions to the surviving Spouse
         will begin by December 31 of the calendar year immediately following
         the calendar year in which the Participant died, or by December 31 of
         the calendar year in which the Participant would have attained age
         70-1/2, if later.

                           (ii)     If the Participant's surviving Spouse is not
         the Participant's sole Designated Beneficiary, then, unless the
         election described in (d) below is made,

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         distributions to the Designated Beneficiary will begin by December 31
         of the calendar year immediately following the calendar year in which
         the Participant died.

                           (iii)    If there is no Designated Beneficiary as of
         September 30 of the year following the year of the Participant's death,
         the Participant's entire interest will be distributed by December 31 of
         the calendar year containing the fifth anniversary of the Participant's
         death.

                           (iv)     If the Participant's surviving Spouse is the
         Participant's sole Designated Beneficiary and the surviving Spouse dies
         after the Participant but before distributions to the surviving Spouse
         begin, this paragraph (b) of Section 6.8(3), other than subparagraph
         (i), will apply as if the surviving Spouse were the Participant.

                           (c)      For purposes of this Section 6.8, unless
         subparagraph (iv) of Section 6.8(3)(b) applies, distributions are
         considered to begin on the Participant's Required Beginning Date. If
         subparagraph (iv) of Section 6.8(3)(b) applies, distributions are
         considered to begin on the date distributions are required to begin to
         the surviving Spouse under subparagraph (i) of Section 6.8(3)(b).

                           (d)      Notwithstanding the foregoing, if a
         Participant dies before distributions begin and there is a Designated
         Beneficiary, distribution to the Designated Beneficiary is not required
         to begin by the Required Beginning Date specified above if the
         Participant or the Beneficiary elects, on an individual basis, that the
         Participant's entire interest will be distributed to the Designated
         Beneficiary by December 31 of the calendar year containing the fifth
         anniversary of the Participant's death; provided, however, that if the
         Participant's surviving Spouse is the Participant's sole Designated
         Beneficiary and the surviving Spouse dies after the Participant but
         before distributions to either the Participant or the surviving Spouse
         begin, this election will apply as if the surviving Spouse were the
         Participant. The election provided in this paragraph (d) of Section
         6.8(3) must be made no later than the earlier of September 30 of the
         calendar year in which distribution would be required to begin, or by
         September 30 of the calendar year which contains the fifth anniversary
         of the Participant's (or, if applicable, surviving Spouse's) death.

                  (4)      Required Minimum Distributions During Participant's
         Lifetime. (a) During the Participant's lifetime, the minimum amount
         that will be distributed for each Distribution Calendar Year is the
         lesser of:

                           (i)      the quotient obtained by dividing the
         Participant's Account balance by the distribution period in the Uniform
         Lifetime Table set forth in Section 1.401(a)(9)-9 of the Treasury
         Regulations, using the Participant's age as of the Participant's
         birthday in the Distribution Calendar Year; or

                           (ii)     if the Participant's sole Designated
         Beneficiary for the Distribution Calendar Year is the Participant's
         Spouse, the quotient obtained by dividing the Participant's Account
         balance by the number in the Joint and Last Survivor Table set forth in
         section 1.401(a)(9)-9 of the Treasury Regulations, using the
         Participant's and Spouse's

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         attained ages as of the Participant's and Spouse's birthdays in the
         Distribution Calendar Year.

                           (b)      Required minimum distributions will be
         determined under this Subsection (4) of Section 6.8 beginning with the
         first Distribution Calendar Year and up to and including the
         Distribution Calendar Year that includes the Participant's date of
         death.

                  (5)      Required Minimum Distributions After Participant's
         Death.

                           (a)      Death on or after date distributions begin:

                           (i)      If the Participant dies on or after the date
         distributions begin and there is a Designated Beneficiary, the minimum
         amount that will be distributed for each Distribution Calendar Year
         after the year of the Participant's death is the quotient obtained by
         dividing the Participant's Account balance by the longer of the
         remaining Life Expectancy of the Participant or the remaining Life
         Expectancy of the Participant's Designated Beneficiary, determined as
         follows:

                  (A)      The Participant's remaining Life Expectancy is
                  calculated using the age of the Participant in the year of
                  death, reduced by one for each subsequent year.

                  (B)      If the Participant's surviving Spouse is the
                  Participant's sole Designated Beneficiary, the remaining Life
                  Expectancy of the surviving Spouse is calculated for each
                  Distribution Calendar Year after the year of the Participant's
                  death using the surviving Spouse's age as of the Spouse's
                  birthday in that year. For Distribution Calendar Years after
                  the year of the surviving Spouse's death, the remaining Life
                  Expectancy of the surviving Spouse is calculated using the age
                  of the surviving Spouse as of the Spouse's birthday in the
                  calendar year of the Spouse's death, reduced by one for each
                  subsequent calendar year.

                  (C)      If the Participant's surviving Spouse is not the
                  Participant's sole Designated Beneficiary, the Designated
                  Beneficiary's remaining Life Expectancy is calculated using
                  the age of the Beneficiary in the year following the year of
                  the Participant's death, reduced by one for each subsequent
                  year.

                           (ii)     If the Participant dies on or after the date
         distributions begin and there is no Designated Beneficiary as of
         September 30 of the year after the year of the Participant's death, the
         minimum amount that will be distributed for each Distribution Calendar
         Year after the year of the Participant's death is the quotient obtained
         by dividing the Participant's Account balance by the Participant's
         remaining Life Expectancy calculated using the age of the Participant
         in the year of death, reduced by one for each subsequent year.

                           (b)      Death before date distributions begin:

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                           (i)      If the Participant dies before the date
         distributions begin and there is a Designated Beneficiary, then, unless
         the election described in paragraph (d) of Section 6.8(3) above is
         made, the minimum amount that will be distributed for each Distribution
         Calendar Year after the year of the Participant's death is the quotient
         obtained by dividing the Participant's Account balance by the remaining
         Life Expectancy of the Participant's Designated Beneficiary, determined
         as provided in paragraph (a) of this Section 6.8(5).

                           (ii)     If the Participant dies before the date
         distributions begin and there is no Designated Beneficiary as of
         September 30 of the year following the year of the Participant's death,
         distribution of the Participant's entire interest will be completed by
         December 31 of the calendar year containing the fifth anniversary of
         the Participant's death.

                           (iii)    If the Participant dies before the date
         distributions begin, the Participant's surviving Spouse is the
         Participant's sole Designated Beneficiary, and the surviving Spouse
         dies before distributions are required to begin to the surviving Spouse
         under subparagraph (i) of Section 6.8(3)(b), this paragraph (b) of
         Section 6.8(5) will apply as if the surviving Spouse were the
         Participant."

2.       Effective May 1, 2003, Section 3.4 of Article III of the Plan is hereby
amended by the deletion of paragraph (4) thereunder and the substitution in lieu
thereof of a new paragraph (4) to read as follows:

         "(4)     Contributions made to the Trust Fund pursuant to Subsections
         (1), (2) and (3) hereof shall be referred to as "Transfer
         Contributions." Transfer Contributions shall be in cash unless the
         Committee approves a Transfer Contribution of other property. Such
         Transfer Contributions shall be allocated to such existing or new
         Sub-Account(s) as the Trustee shall determine and shall be invested as
         specified in Section 5.5. Subject to other provisions of the Plan and
         Trust Agreement, the Trustee shall have authority to sell or otherwise
         convert to cash any property transferred to it pursuant to this
         Section."

3.       Effective June 17, 2003, Section 1.1 of Article I of the Plan is hereby
amended by the deletion of subparagraph (c) of paragraph (33) thereunder and the
substitution in lieu thereof of a new subparagraph (c) to read as follows:

         "(c)     the payment of tuition, related educational fees, and room and
         board expenses, for the next twelve months of post-secondary education
         for the Participant, the Participant's Spouse, the Participant's
         children or the Participant's dependents as defined in Code Section
         152);"

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4.       Effective October 6, 2003, Section 1.1 of Article I of the Plan is
hereby amended by the deletion of paragraph (7) thereunder and the substitution
in lieu thereof of a new paragraph (7) to read as follows:

         "(7)     Business Day: Each day during which the New York Stock
         Exchange is open for regular conduct of business."

5.       Effective October 6, 2003, Section 1.1 of Article I of the Plan is
hereby amended by the deletion of paragraph (16) thereunder and the substitution
in lieu thereof of a new paragraph (16) to read as follows:

         "(16)    Death Beneficiary: A Participant's Spouse or, if he has no
         Spouse or if his Spouse consents (in the manner hereinafter described
         in this Subsection) to the designation hereinafter provided for in this
         Subsection, such person or persons (natural or legal) other than, or in
         addition to, his Spouse as may be designated by a Participant as his
         Death Beneficiary under the Plan. Such a designation may be made,
         revoked or changed without the consent of any previously designated
         Death Beneficiary (except as otherwise provided herein) only by an
         instrument (in form provided by the Committee) which is signed by the
         Participant or by means of electronic medium such as a voice response
         telephone system or personal computer access to an internet website
         maintained on behalf of the plan; provided, however, that if a
         Participant has a Spouse, such a designation must be made on a form,
         signed by the Participant and which includes his Spouse's written
         consent to the action to be taken pursuant to such instrument (unless
         such action results in the Spouse being named as the Participant's sole
         Death Beneficiary). Any designation hereunder must be filed with the
         Committee before the Participant's death. A Spouse's consent required
         by this Subsection shall be signed by the Spouse, shall acknowledge the
         effect of such consent, shall be witnessed by any person designated by
         the Committee as a Plan representative or by a notary public and shall
         be effective only with respect to such Spouse. A Spouse's consent is
         not required if it is established to the satisfaction of a Plan
         representative that the consent cannot be obtained because there is no
         Spouse, because the Spouse cannot be located, or because of such other
         circumstances as the Secretary of the Treasury may prescribe by
         regulations. In default of such a designation and at any other time
         when there is no existing Death Beneficiary designated by the
         Participant, his Death Beneficiary shall be, in the following order of
         priority: his surviving Spouse, his surviving children (both natural
         and adopted), his surviving parents or his estate. If, under the
         preceding sentence, the Death Beneficiary consists of a class of two or
         more persons, such persons shall share equally in benefits under the
         Plan. A person designated by a Participant as his Death Beneficiary who
         ceases to exist prior to or on the date of the Participant's death
         shall cease to be a Death Beneficiary. If a Death Beneficiary is a
         natural person who dies after the Participant's death, the Death
         Beneficiary shall be the estate of such deceased Death Beneficiary. In
         any case in which the Committee concludes it cannot determine whether a
         Death Beneficiary designated by a Participant survived the Participant,
         it shall be conclusively presumed that such Death Beneficiary died
         before the Participant."

                                       6

<PAGE>

6.       Effective October 6, 2003, Section 6.11 of Article VI of the Plan is
hereby amended by the addition of a new paragraph (c) to read as follows:

         "(c)     notwithstanding the foregoing provisions of this Section 6.11,
         the amount of any Hardship distribution to a Participant shall not
         exceed the lesser of (i) the amount of the Participant's Before-Tax
         Contribution Sub-Account (excluding any earnings allocated thereto on
         or after January 1, 1989; or (ii) the amount of the Participant's
         Before-Tax Contribution Sub-Account and earnings allocated thereto
         reduced by the amount of any Participant loan charged against such
         Sub-Account in accordance with Section 6.13."

7.       Effective October 6, 2003, Section 6.12 of Article VI of the Plan is
hereby amended by the deletion of paragraph (1) thereunder and the substitution
in lieu thereof of a new paragraph (1) to read as follows:

         "(1)     Where a distribution, withdrawal or loan is to be made from
         the Trust Fund of only a portion of a Participant's Vested Interest in
         the Trust Fund and such Interest is invested in more than one of the
         Investment Funds, the amounts for such distribution, withdrawal or loan
         shall be liquidated from each of the Investment Funds in accordance
         with uniform procedures established by the Administrator."

8.       Effective October 6, 2003, Section 6.13 of Article VI of the Plan is
hereby amended by the deletion of paragraphs (1) and (4) thereunder and the
substitution in lieu thereof of new paragraphs (1) and (4) to read as follows:

         "(1)     A Participant who is a "party in interest" with the meaning of
         ERISA Section 3(14) may apply on a form provided by the Committee (or,
         to the extent permitted by law, by means of electronic medium such as a
         voice response telephone system or personal computer access to an
         internet website maintained on behalf of the Plan) for a loan from his
         Account. If the Committee determines that the Participant is not in
         bankruptcy or similar proceedings and is entitled to a loan in
         accordance with the following provisions of this Section, the Committee
         shall direct the Trustee to make a loan to the Participant from his
         Account. Each loan shall be charged against the Participant's
         Sub-Accounts in accordance with uniform procedures established by the
         Administrator.

         (4)      For each Participant for whom a loan is authorized pursuant to
         this Section, the Administrator shall (a) direct the Trustee to
         liquidate the Participant's interest in the Investment Funds in
         accordance with uniform procedures established by the Administrator to
         the extent necessary to provide funds for the loan, (b) direct the
         Trustee to disburse such funds to the Participant upon the
         Participant's execution of the promissory note and security agreement
         referred to in Subsection (5)(d) of this Section, (c) transmit to the
         Trustee the executed promissory note and security agreement referred to
         in Subsection (5)(d) of this Section, and (d) establish and maintain a
         separate recordkeeping account within the Participant's Account (the
         "Loan Account") (i) which

                                       7

<PAGE>

         initially shall be in the amount of the loan, (ii) to which the funds
         for the loan shall be deemed to have been allocated and then disbursed
         to the Participant, (iii) to which the promissory note shall be
         allocated and (iv) which shall show the unpaid principal of and
         interest on the promissory note from time to time. All payments of
         principal and interest by a Participant shall be credited initially to
         his Loan Account and applied against the Participant's promissory note,
         and then invested in the Investment Funds pursuant to the Participant's
         direction under Section 5.5. The Administrator shall value each
         Participant's Loan Account for purposes of Section 5.2 at such times as
         the Administrator shall deem appropriate, but not less frequently than
         quarterly."

9.       Effective December 31, 2003, Section 1.1 of Article I of the Plan is
hereby amended by the deletion of paragraph (36) thereunder and the substitution
in lieu thereof of a new paragraph (36) to read as follows:

         "(36)    Investment Fund or Funds: The Capital Preservation Fund,
         Equity Fund, Fixed Income Fund, NCC Stock Fund, Money Market Fund and
         any other fund established by the Committee under Section 5.1. 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."

10.      Effective December 31, 2003, Section 1.1 of Article I of the Plan is
hereby amended by the deletion of paragraph (48) thereunder and the substitution
in lieu thereof of a new paragraph (48) to read as follows:

         "(48)    NPI Stock Fund: Effective April 16, 2001 through December 31,
         2003, one of the Investment Funds provided under the Plan. As of
         December 31, 2003, the NPI Stock Fund shall no longer be an Investment
         Fund provided under the Plan."

11.      Effective December 31, 2003, Section 5.1 of Article V of the Plan is
hereby amended by the deletion of first sentence in paragraph (1) thereunder and
the substitution in lieu thereof of a new sentence to read as follows:

         "The Trust Fund (other than the portion of the Trust Fund consisting of
         the Loan Accounts) shall be divided into the following Investment
         Funds: the Equity Fund, the Fixed Income Fund, the Money Market Fund,
         the NCC Stock Fund, the Capital Preservation Fund, and such other
         Investment Funds as the Committee may in its discretion select or
         establish."

12.      Effective December 31, 2003, Section 5.1 of Article V of the Plan is
hereby amended by the deletion of subparagraph (c) of paragraph (2) thereunder
and the substitution in lieu thereof of a new subparagraph (c) to read as
follows:

                                       8

<PAGE>

         "(c)     The determination of the Trustee as to whether an investment
         is within the category of investments which may be made for the Fixed
         Income Fund, the Equity Fund, the NCC Stock Fund, the Capital
         Preservation Fund, the Money Market Fund or such other Investment Funds
         as the Committee shall have established shall be conclusive."

13.      Effective December 31, 2003, Section 5.5 of Article V of the Plan is
hereby amended by the deletion of the last sentence in paragraph (1) thereof.

14.      Effective December 31, 2003, Section 5.6 of Article V of the Plan is
hereby amended by the deletion of paragraph (1) thereunder and the substitution
in lieu thereof of a new paragraph (1) to read as follows:

         "(1)     Each Participant shall have the right from time to time to
         elect that all or a part of his interest in one or more of the
         Investment Funds (including amounts attributable to Employer
         Contributions) be liquidated and the proceeds thereof reinvested in any
         of the other Investment Funds. Such an investment-mix adjustment shall
         not affect investment of amounts received in the Trust as
         contributions, which shall continue to be invested pursuant to Section
         5.5. Notwithstanding the foregoing provisions of this Section, a
         Participant may not elect that any part of his interest in the Capital
         Preservation Fund be liquidated and that the proceeds thereof
         reinvested in the Money Market Fund or the Fixed Income Fund."

15.      Effective December 31, 2003, Section 6.12 of Article VI of the Plan is
hereby amended by the deletion of paragraph (2) thereunder and the substitution
in lieu thereof of a new paragraph (2) to read as follows:

         "(2)     All distributions, withdrawals and loans shall be made in
         cash, provided that if the Participant or Beneficiary so elects on a
         form provided by the Committee, a distribution or withdrawal (but not a
         loan) of that portion of his Account which is his ESOP Account may be
         made in the form of full shares of NCC Stock, based on the fair market
         value of such NCC Stock (as determined by the Trustee in accordance
         with the provisions of the Trust Agreement) on the Valuation Date as of
         which such distribution is made."

16.      Effective December 31, 2003, Article VIII of the Plan is hereby amended
by the deletion phrase "and/or NPI Stock Fund" in each place where it appears in
said Article VIII.

17.      Effective as of the dates set forth herein below, Article XVII of the
Plan is hereby amended by adding the following new Sections at the end thereof:

                                       9

<PAGE>

                  "17.38   Appendix AL - Relating to the Acquisition of certain
         assets of Corinthian Mortgage Corporation. Attached hereto and made a
         part of this Plan is Appendix AL which relates to the acquisition of
         certain assets of Corinthian Mortgage Corporation by National City
         Mortgage Corporation and is effective as of August 29, 2003 (or such
         later date as may be required by applicable law).

                  17.39    Appendix AM - Relating to the Acquisition of certain
         assets of Marketing Programs, Inc. Attached hereto and made a part of
         this Plan is Appendix AM which relates to the acquisition of certain
         assets of Marketing Programs, Inc. by National City Bank and is
         effective as of May 1, 2003 (or such later date as may be required by
         applicable law).

                  17.40    Appendix AN - Relating to the Acquisition of
         Bridgeview Payment Solutions, Inc. by National Processing Company LLC
         and is effective as of June 9, 2003 (or such later date as may be
         required by applicable law)."

18.      Effective as of dates set forth in Section 17 above, the Appendix to
the Plan is hereby amended by adding Appendices AL, AM and AN in the form
attached hereto, at the end thereof.

         Executed at Cleveland, Ohio this _______ day of December, 2003.

NATIONAL CITY BANK, TRUSTEE                 NATIONAL CITY CORPORATION

By:_____________________________            By:_________________________________

Title:__________________________            Title:______________________________

                                            By:_________________________________

                                            Title:______________________________

                                       10

<PAGE>

                                   APPENDIX AL
                                       TO
                  THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN

                (relating to the acquisition of certain assets of
         Corinthian Mortgage Corporation by National City Mortgage Co.)

                  This Appendix AL relates to the acquisition of certain assets
of Corinthain Mortgage Corporation and is effective as of August 29, 2003 (the
"Effective Date").

                  1.       Transferring Employee. The term "Transferring
Employee" means each individual who is a Covered Employee on or after the
Effective Date and who became such a Covered Employee as a result of a direct
transfer of employment from Corinthian Mortgage Corporation to National City
Mortgage Co. or another Controlled Group Member pursuant to the acquisition of
certain assets of Corinthian Mortgage Corporation by National City Mortgage Co.

                  2.       Service. Each Transferring Employee shall be credited
with service under the Plan with respect to vesting and eligibility to
participate in the Plan, and with respect to eligibility for benefits, from such
Transferring Employee's date of hire with Corinthian Mortgage Corporation.
Notwithstanding the foregoing, no highly compensated employee (as such term is
defined in section 414(q) of the Code) shall be credited with service pursuant
to this paragraph 2 to the extent that such service would cause the Plan to fail
to satisfy final Treasury Regulations issued under Section 401(a)(4) of the
Code.

                                       11

<PAGE>

                                   APPENDIX AM
                                       TO
                  THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN

                (relating to the acquisition of certain assets of
                Marketing Programs, Inc. by National City Bank.)

                  This Appendix AM relates to the acquisition of certain assets
of Marketing Programs, Inc. and is effective as of May 1, 2003 (the "Effective
Date").

                  1.       Transferring Employee. The term "Transferring
Employee" means each individual who is a Covered Employee on or after the
Effective Date and who became such a Covered Employee as a result of a direct
transfer of employment from Marketing Programs, Inc. to National City Bank or
another Controlled Group Member pursuant to the acquisition of certain assets of
Marketing Programs, Inc. by National City Bank.

                  2.       Service. Each Transferring Employee shall be credited
with service under the Plan with respect to vesting and eligibility to
participate in the Plan, and with respect to eligibility for benefits, from such
Transferring Employee's date of hire with Corinthian Mortgage Corporation.
Notwithstanding the foregoing, no highly compensated employee (as such term is
defined in section 414(q) of the Code) shall be credited with service pursuant
to this paragraph 2 to the extent that such service would cause the Plan to fail
to satisfy final Treasury Regulations issued under Section 401(a)(4) of the
Code.

                                       12

<PAGE>

                                   APPENDIX AN
                                       TO
                  THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN

       (relating to the acquisition of Bridgeview Payment Solutions, Inc.
                      by National Processing Company, LLC.)

                  This Appendix AN relates to the acquisition of Bridgeview
Payment Solutions, Inc. ("Bridgeview") by National Processing Company, LLC. and
is effective as of June 9, 2003 (the "Effective Date").

                  1.       Covered Employees. Each Bridgeview Employee who
otherwise satisfies the requirements of Section 1.1(14) of the Plan shall become
a Covered Employee as of the later of the Effective Date or his actual date of
hire.

                  2.       Service. Each Bridgeview Employee shall be credited
with service under the Plan with respect to vesting and eligibility to
participate in the Plan, and with respect to eligibility for benefits, from such
Bridgeview Employee's date of hire with Bridgeview. Notwithstanding the
foregoing, no highly compensated employee (as such term is defined in section
414(q) of the Code) shall be credited with service pursuant to this paragraph 2
to the extent that such service would cause the Plan to fail to satisfy final
Treasury Regulations issued under Section 401(a)(4) of the Code.

                                       13

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