Document:

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                                                                     EXHIBIT 4.1

                                                                  EXECUTION COPY

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                            SERIES 2005-CC SUPPLEMENT
                           Dated as of August 23, 2005

                                     to the

                         POOLING AND SERVICING AGREEMENT
                            Dated as of June 1, 1995,
                   as Amended and Restated as of July 1, 2000

                        ---------------------------------

                     NATIONAL CITY CREDIT CARD MASTER TRUST

                                 SERIES 2005-CC

                        ---------------------------------

                                     between

                               NATIONAL CITY BANK,
                             as Seller and Servicer,

                                       and

                        THE BANK OF NEW YORK (DELAWARE),
                                   as Trustee

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                                TABLE OF CONTENTS

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                                                                                                                 PAGE
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                                                     ARTICLE I
                                    CREATION OF THE SERIES 2005-CC CERTIFICATES

Section 1.01.         Designation...............................................................................   1

                                                    ARTICLE II
                                                    DEFINITIONS

Section 2.01.         Definitions...............................................................................   2

                                                    ARTICLE III
                                               SERVICER AND TRUSTEE

Section 3.01.         Servicing Compensation....................................................................   7

                                               ARTICLE IV
              RIGHTS OF SERIES 2005-CC INVESTOR CERTIFICATEHOLDERS AND ALLOCATION AND
                                       APPLICATION OF COLLECTIONS

Section 4.01.         Collections and Allocations...............................................................   8

Section 4.02.         Application of Available Funds and Available Principal Collections........................   9

Section 4.03.         Excess Finance Charge Collections.........................................................  10

Section 4.04.         Shared Principal Collections..............................................................  10

                                                     ARTICLE V
                          DISTRIBUTIONS AND REPORTS TO SERIES 2005-CC CERTIFICATEHOLDERS

Section 5.01.         Distributions.............................................................................  11

Section 5.02.         Reports and Statements....................................................................  11

                                                    ARTICLE VI
                                                  PAY OUT EVENTS

Section 6.01.         Additional Pay Out Events.................................................................  11

                                                    ARTICLE VII
                                                SERIES TERMINATION

Section 7.01.         Series Termination........................................................................  12
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                                TABLE OF CONTENTS
                                   (CONTINUED)

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                                                   ARTICLE VIII
                                                FINAL DISTRIBUTIONS

Section 8.01.         Sale of Receivables or Certificateholders' Interest pursuant to Section 2.06 or
                      10.01 of the Agreement....................................................................  12

Section 8.02.         Distribution of Proceeds of Sale, Disposition or Liquidation of the Receivables
                      pursuant to Section 9.02 of the Agreement.................................................  13

Section 8.03.         Sale of Receivables on Legal Maturity Date................................................  14

                                                    ARTICLE IX
                                             MISCELLANEOUS PROVISIONS

Section 9.01.         Ratification of Agreement.................................................................  14

Section 9.02.         Counterparts..............................................................................  15

Section 9.03.         Governing Law; Submission to Jurisdiction; Agent for Service of Process...................  15

Section 9.04.         Certain Tax Related Amendments............................................................  15

Section 9.05.         Certain Accounting Related Amendments.....................................................  15

Section 9.06.         Additional Representations and Warranties of the Seller...................................  16

Section 9.07.         Treatment of Noteholders..................................................................  16

Section 9.08.         Transfer of the Series 2005-CC Certificate................................................  17

Section 9.09.         Delivery of the Series 2005-CC Certificate................................................  17
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                                    EXHIBITS

EXHIBIT A   - Form of Series 2005-CC Certificate

EXHIBIT B   - Form of Monthly Payment Instructions and Notification to the
              Trustee

EXHIBIT C   - Form of Monthly Certificateholders' Statement

EXHIBIT D   - Form of Monthly Servicer's Certificate

                                       iii

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            THIS SERIES 2005-CC SUPPLEMENT, dated as of August 23, 2005 (this
"Supplement"), is hereby executed by and between NATIONAL CITY BANK, a national
banking association, as Seller and Servicer, and THE BANK OF NEW YORK
(DELAWARE), a Delaware banking corporation, as Trustee.

            Pursuant to the Pooling and Servicing Agreement dated as of June 1,
1995, as amended and restated as of July 1, 2000, and as further amended by the
First Amendment to the Pooling and Servicing Agreement, dated as of May 24,
2001, and the Second Amendment to the Pooling and Servicing Agreement, dated as
of August 3, 2005 (as may be amended or supplemented thereafter, the
"Agreement"), among the Seller, the Servicer and the Trustee, the Seller has
created the National City Credit Card Master Trust (the "Trust"). Section 6.03
of the Agreement provides, among other things, that the Seller may from time to
time direct the Trustee to authenticate one or more new Series of Investor
Certificates representing fractional undivided interests in the Trust. The
Principal Terms of any new Series are to be set forth in a Supplement to the
Agreement.

            Pursuant to this Supplement, the Seller and the Trustee shall create
a new Series consisting of an Investor Certificate and specify the Principal
Terms thereof.

                                    ARTICLE I

                   CREATION OF THE SERIES 2005-CC CERTIFICATES

            SECTION 1.01. Designation.

            (a) There is hereby created a Series consisting of an Investor
Certificate to be issued pursuant to the Agreement and this Supplement to be
known as the "National City Credit Card Master Trust, Series 2005-CC." Such
Investor Certificate shall be issued in one Class and shall be designated the
"Asset Backed Certificate, Series 2005-CC" (the "Series 2005-CC Certificate").
The Series 2005-CC Certificate shall be issued as one definitive certificate
substantially in the form of Exhibit A hereto.

            (b) Series 2005-CC shall be included in Group One (as defined
below). Series 2005-CC shall not be subordinated to any other Series.

            (c) Except as expressly provided herein, (i) the provisions of
Article VI and Article XII of the Agreement relating to the registration,
authentication, delivery, presentation, cancellation and surrender of Registered
Certificates, and clauses (a) and (c) of the definition of Tax Opinion in
Section 1.01 of the Agreement shall not be applicable to the Series 2005-CC
Certificate, and (ii) the provisions of Section 3.07 of the Agreement shall not
apply to cause the Series 2005-CC Certificate to be treated as debt for federal,
state and local income and franchise tax purposes, but rather the Seller intends
and, together with the Series 2005-CC Certificateholders, agrees to treat the
Series 2005-CC Certificate for federal, state and local income and franchise tax
purposes as representing an equity interest in the assets of the Trust.

            (d) This Supplement is the Series 2005-CC Supplement referred to in
the Amended and Restated Trust Agreement of the National City Credit Card Master
Note Trust,

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dated as of August 23, 2005, among National City, as beneficiary and as
transferor, and Wilmington Trust Company, as owner trustee.

                                   ARTICLE II

                                   DEFINITIONS

            SECTION 2.01. Definitions.

            (a) Whenever used in this Supplement, the following words and
phrases shall have the following meanings, and the definitions of such terms are
applicable to the singular as well as the plural forms of such terms and the
masculine as well as the feminine and neuter genders of such terms.

            "Accumulation Period," with respect to Series 2005-CC, shall mean,
solely for the purposes of the definition of Group One Monthly Principal Payment
as such term is defined in each Supplement relating to Group One, the Revolving
Period.

            "Adjusted Outstanding Dollar Principal Amount" shall have the
meaning specified in the Indenture.

            "Aggregate Investor Default Amount" shall mean, with respect to any
Monthly Period, the sum of the Investor Default Amounts with respect to such
Monthly Period.

            "Aggregate Reallocated Principal Amount" shall mean, with respect to
any Monthly Period, the aggregate Reallocated Principal Amount (as defined in
the Indenture) for all series of Notes for such Monthly Period.

            "Allocation Reset Date" shall mean, with respect to any Monthly
Period, any date on which (a) the Investor Interest is increased as a result of
the issuance of a new tranche of Notes or the issuance of additional Notes in an
Outstanding series, class or tranche of Notes during such Monthly Period, (b) an
Addition Date occurs or (c) a Removal Date occurs on which, if any Series has
been paid in full, Principal Receivables in an aggregate amount approximately
equal to the initial investor interest of such Series are removed from the
Trust; provided, however, that solely with respect to this term, "Series" shall
mean any series of Investor Certificates (as defined in the Agreement) and any
series, class or tranche of Notes.

            "Available Funds" shall mean, with respect to any Monthly Period, an
amount equal to the Collections of Finance Charge Receivables received during
such Monthly Period (less Servicer Interchange with respect to such Monthly
Period) and allocated to Series 2005-CC (including any amounts that are to be
treated as Collections of Finance Charge Receivables in accordance with the
Agreement).

            "Available Principal Collections" shall mean, with respect to any
Monthly Period, an amount equal to the sum of (a) an amount equal to the
Principal Allocation Percentage of all Collections in respect of Principal
Receivables received during such Monthly Period and (b) any Shared Principal
Collections with respect to other Series that are allocated to Series 2005-CC in
accordance with Section 4.04 of the Agreement and Section 4.10 hereof.

                                       2

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            "Certificate Representative" shall mean (a) if there is one Holder
of the Series 2005-CC Certificate, such Holder or the designee of such Holder,
and (b) if there is more than one Holder of the Series 2005-CC Certificate, the
designee of the Holders of a majority of the outstanding principal balance of
the Series 2005-CC Certificate.

            "Closing Date" shall mean August 23, 2005.

            "Code" shall mean the Internal Revenue Code of 1986, as amended.

            "Collateral" shall have the meaning specified in Section 9.06.

            "Distribution Date" shall mean October 17, 2005 and the fifteenth
day of each calendar month thereafter, or if such fifteenth day is not a
Business Day, the next succeeding Business Day; provided that any references to
the Distribution Date for a Monthly Period shall mean the Distribution Date
immediately following the last day of such Monthly Period.

            "Early Amortization Period" shall mean the period commencing at the
close of business on the Business Day immediately preceding the day on which a
Pay Out Event with respect to Series 2005-CC is deemed to have occurred, and
ending on the Series Termination Date.

            "Floating Allocation Invested Amount" shall mean, on any date of
determination during any Monthly Period, an amount equal to the aggregate
Finance Charge Allocation Amount (as defined in the Indenture) for all series of
Notes.

            "Floating Allocation Percentage" shall mean, with respect to any
Monthly Period, the percentage equivalent (which percentage shall never exceed
100%) of a fraction, the numerator of which is the Floating Allocation Invested
Amount as of the last day of the preceding Monthly Period and the denominator of
which is the greater of (a) the sum of (i) the aggregate amount of Principal
Receivables in the Trust as of such day and (ii) the principal amount on deposit
in the Special Funding Account as of such day and (b) the sum of the numerators
used to calculate the floating allocation percentages for all Series then
outstanding; provided, however, that with respect to any Monthly Period in which
an Allocation Reset Date occurs the denominator in (a)(i) above shall be the
average of the amounts referred to in the following clauses (A) and (B) weighted
by the number of days in the respective periods referred to in such clauses: (A)
the aggregate amount of Principal Receivables in the Trust at the end of the day
on the last day of the prior Monthly Period for the period from and including
the first day of such Monthly Period to but excluding the related Allocation
Reset Date and (B) the aggregate amount of Principal Receivables in the Trust at
the end of the day on the related Allocation Reset Date for the period from and
including the related Allocation Reset Date to and including the last day of
such Monthly Period.

            "Group One" shall mean Series 2005-CC and each other Series
specified in the related Supplement to be included in Group One.

            "highest investment category" shall have the meaning specified in
Section 2.01(b).

                                       3

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            "Indenture" shall mean the Indenture, dated as of August 23, 2005,
between the National City Credit Card Master Note Trust, as Issuer, and The Bank
of New York, as indenture trustee, as amended and supplemented from time to
time.

            "Initial Invested Amount" shall mean, when used in the Agreement,
this Series Supplement or any other Supplement with respect to Series 2005-CC
and with respect to any Monthly Period, the Initial Dollar Principal Amount (as
defined in the Indenture) of any Outstanding series, class or tranche of Notes.

            "Invested Amount" with respect to Series 2005-CC shall mean, on any
date of determination, an amount equal to the sum of the Nominal Liquidation
Amounts for each tranche of Notes Outstanding as of such date of determination.

            "Investor Default Amount" shall mean, with respect to any
Distribution Date, an amount equal to the product of (a) the Defaulted Amount
for the related Monthly Period and (b) the Floating Allocation Percentage for
such Monthly Period.

            "Legal Maturity Date," with respect to any tranche of Notes, shall
have the meaning specified in the Indenture.

            "Monthly Interest Target" shall mean, with respect to each Monthly
Period, an amount equal to the aggregate Targeted Interest Deposit Amounts (as
defined in the Indenture) for all series of Notes for such Monthly Period.

            "Monthly Period" shall have the meaning specified in the Agreement,
except that the first Monthly Period with respect to the Series 2005-CC
Certificate shall begin on and include the Closing Date and shall end on and
include September 30, 2005.

            "Monthly Principal Target" shall mean, with respect to each Monthly
Period, an amount equal to the aggregate Targeted Principal Deposit Amounts (as
defined in the Indenture) for all series of Notes for such Monthly Period.

            "Monthly Servicing Fee" shall have the meaning specified in Section
3.01.

            "National City" shall mean National City Bank.

            "Nominal Liquidation Amount," with respect to any series, class or
tranche of Notes, shall have the meaning specified in the Indenture.

            "Note" or "Notes" shall mean each Note or the Notes (as defined in
the Indenture) secured by the Series 2005-CC Certificate.

            "Note Trust Excess Finance Charge Collections" shall mean, for any
Distribution Date, an amount equal to the aggregate amount to be treated as
Excess Finance Charge Collections for each series of Notes for such Distribution
Date pursuant to the related Indenture Supplement and Section 507 of the
Indenture.

                                       4

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            "Note Trust Finance Charge Shortfall" shall mean, for any
Distribution Date, an amount equal to the sum of the Series Finance Charge
Collections Shortfalls (as defined in the related Indenture Supplement) for each
series of Notes for such Distribution Date.

            "Note Trust Shared Principal Collections" shall mean, for any
Distribution Date, an amount equal to the aggregate amount to be treated as
Shared Principal Collections for each series of Notes for such Distribution Date
pursuant to the related Indenture Supplement and Section 508 of the Indenture.

            "Note Trust Principal Shortfall" shall mean, for any Distribution
Date, an amount equal to the sum of the Series Principal Collections Shortfalls
(as defined in the related Indenture Supplement) for each series of Notes for
such Distribution Date.

            "Outstanding" shall have the meaning specified in the Indenture.

            "Permitted Assignee" shall mean any Person who, if it were the
holder of an interest in the Trust would not, alone or in combination with other
holders of interests in the Trust, cause the Trust to be taxable as a publicly
traded partnership for federal income tax purposes.

            "Principal Allocation Invested Amount" shall mean, on any date of
determination during any Monthly Period, an amount equal to the aggregate
Principal Allocation Amounts (as defined in the Indenture) for all series of
Notes. "Principal Allocation Percentage" shall mean, with respect to any date of
determination during any Monthly Period, the percentage equivalent (which
percentage shall never exceed 100%) of a fraction, the numerator of which is the
Principal Allocation Invested Amount for such date and the denominator of which
is the greater of (i) the sum of (A) the aggregate amount of Principal
Receivables in the Trust as of the last day of the immediately preceding Monthly
Period (or, in the case of any date of determination during the First Monthly
Period, the Closing Date) and (B) the principal amount on deposit in the Special
Funding Account as of such last day and (ii) the sum of the numerators used to
calculate the principal allocation percentages for all Series outstanding as of
the date as to which such determination is being made; provided, however, that
with respect to any Monthly Period in which an Allocation Reset Date occurs the
denominator in (i)(A) above shall be the average of the amounts referred to in
the following clauses (1) and (2) weighted by the number of days in the
respective periods referred to in such clauses: (1) the aggregate amount of
Principal Receivables in the Trust at the end of the day on the last day of the
prior Monthly Period for the period from and including the first day of such
Monthly Period to but excluding the related Allocation Reset Date and (2) the
aggregate amount of Principal Receivables in the Trust at the end of the day on
the related Allocation Reset Date for the period from and including the related
Allocation Reset Date to and including the last day of such Monthly Period.

            "Reassignment Amount" shall mean, with respect to any Distribution
Date, after giving effect to any deposits and distributions otherwise to be made
on such Distribution Date, the sum of (a) the Adjusted Outstanding Dollar
Principal Amount (as defined in the Indenture) of all Notes on such Distribution
Date, (b) the Monthly Interest Target with respect to the

                                       5

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immediately preceding Monthly Period and (c) any other fees and expenses of the
Indenture Trustee payable by the National City Credit Card Master Note Trust
pursuant to the Indenture, each after giving effect to any deposits and
distributions otherwise to be made on such Distribution Date.

            "Revolving Period" shall mean the period beginning at the close of
business on the Closing Date and ending on the close of business on the day
immediately preceding the day the Early Amortization Period commences.

            "Series Invested Amount" shall mean the Initial Invested Amount.

            "Series Termination Date" shall mean the date earlier to occur of
(a) the date designated by the Seller following the last Legal Maturity Date of
any series, class or tranche of Notes or (b) the termination of the Trust
pursuant to Section 12.01 of the Agreement.

            "Series 2005-CC" shall mean the Series of the National City Credit
Card Master Trust represented by the Series 2005-CC Certificate.

            "Series 2005-CC Certificate" shall have the meaning specified in
Section 1.01.

            "Series 2005-CC Certificateholders" shall mean the Holders of the
Series 2005-CC Certificate.

            "Series 2005-CC Monthly Principal Payment" shall mean, with respect
to any Monthly Period, an amount equal to the aggregate Monthly Principal
Payments (as defined in the Indenture) for each series of Notes for such Monthly
Period.

            "Servicer Interchange" means, with respect to any Monthly Period,
the lesser of (a) the Floating Allocation Percentage of Interchange deposited in
the Collection Account during such Monthly Period and (b) the Servicer
Interchange Percentage of the Servicing Base Amount.

            "Servicer Interchange Percentage" shall mean 1.00% per annum.

            "Servicing Base Amount" shall have the meaning specified in Section
3.01.

            "Servicing Fee Rate" shall mean 2.00%.

            "Subordinated Note Percentage" shall mean, with respect to any date
of determination during any Monthly Period, the percentage equivalent of a
fraction, the numerator of which is the aggregate Principal Allocation Amounts
(as defined in the Indenture) for such date calculated for those Notes which are
subordinated to any senior Notes and the denominator of which is the Principal
Allocation Invested Amount for such date.

            "Weighted Average Floating Allocation Invested Amount" shall mean,
with respect to any Monthly Period, the sum of the Floating Allocation Invested
Amount as of the close of business on each day during such Monthly Period
divided by the actual number of days in such Monthly Period.

                                       6

<PAGE>

            (b) Notwithstanding anything to the contrary in this Supplement or
the Agreement, the term "Rating Agency" shall mean, whenever used in this
Supplement or the Agreement with respect to Series 2005-CC, each of Moody's,
Standard & Poor's and Fitch. As used in this Supplement and in the Agreement
with respect to Series 2005-CC, "highest investment category" shall mean (i) in
the case of Standard & Poor's, AAA, A-1+, AAAm or AAAmG, as applicable, (ii) in
the case of Moody's, Aaa or P-1, as applicable and (iii) in the case of Fitch,
F-1+ or AAA, as applicable.

            (c) Each capitalized term defined herein shall relate to the Series
2005-CC Certificates and no other Series of Certificates issued by the Trust.
All capitalized terms used herein and not otherwise defined herein have the
meanings ascribed to them in the Agreement. In the event that any term or
provision contained herein shall conflict with or be inconsistent with any term
or provision contained in the Agreement, the terms and provisions of this
Supplement shall govern.

            (d) The words "hereof," "herein" and "hereunder" and words of
similar import when used in this Supplement shall refer to this Supplement as a
whole and not to any particular provision of this Supplement; references to any
Article, Section or Exhibit are references to Articles, Sections and Exhibits in
or to this Supplement unless otherwise specified; and the term "including" means
"including without limitation."

                                   ARTICLE III

                              SERVICER AND TRUSTEE

            SECTION 3.01. Servicing Compensation. The share of the Servicing Fee
allocable to Series 2005-CC with respect to any Distribution Date shall be paid
from Servicer Interchange and the Monthly Servicing Fee. The "Monthly Servicing
Fee," with respect to any Distribution Date, shall be equal to one-twelfth of
the excess of (x) the product of (a) the Servicing Fee Rate and (b) (i) the
Weighted Average Floating Allocation Invested Amount for the Monthly Period
preceding such Distribution Date, minus (ii) the product of the amount, if any,
on deposit in the Special Funding Account as of the last day of the Monthly
Period preceding such Distribution Date and the Weighted Average Floating
Allocation Invested Amount for such Monthly Period (the amount calculated
pursuant to this clause (b) is referred to as the "Servicing Base Amount") over
(y) the product of the Servicer Interchange Percentage and the Servicing Base
Amount. On each Distribution Date, prior to making any other withdrawals from
the Collection Account, the Servicer shall apply, or shall instruct the Trustee
to apply, amounts on deposit in the Collection Account with respect to the
related Monthly Period, up to the amount of Servicer Interchange for such
Monthly Period, to the Servicer in partial payment of the Series 2005-CC share
of the Servicing Fee. The remainder of the Servicing Fee shall be paid by the
Holder of the Seller Certificate or the Certificateholders of other Series (as
provided in the related Supplements) and in no event shall the Trust, the
Trustee or the Series 2005-CC Certificateholders be liable for the share of the
Servicing Fee to be paid by the Holder of the Seller Certificate or the
Certificateholders of any other Series. The Monthly Servicing Fee shall be
payable to the Servicer solely to the extent amounts are available for
distribution in respect thereof pursuant to the Indenture.

                                       7

<PAGE>

                                   ARTICLE IV

              RIGHTS OF SERIES 2005-CC INVESTOR CERTIFICATEHOLDERS
                  AND ALLOCATION AND APPLICATION OF COLLECTIONS

            SECTION 4.01. Collections and Allocations. The Servicer will apply,
or will instruct the Trustee to apply, all Collections and other funds on
deposit in the Collection Account that are allocable to Series 2005-CC as
follows:

            (a) Allocations During the Revolving Period. During the Revolving
Period, the Servicer shall, prior to the close of business on each day any
Collections are deposited in the Collection Account, allocate to Series 2005-CC,
the Certificateholders of other Series or the Holder of the Seller Interest the
following amounts as set forth below:

            (i) Allocate to Series 2005-CC and retain in the Collection Account
      an amount equal to the product of (A) the Floating Allocation Percentage
      on such date and (B) the aggregate amount of Collections processed in
      respect of Finance Charge Receivables on such date.

            (ii) Allocate to the Series 2005-CC an amount equal to the product
      of (1) the Principal Allocation Percentage on such date and (2) the
      aggregate amount of Collections processed in respect of Principal
      Receivables on such date, and, of such amount:

            (A) retain in the Collection Account on each such date an amount
            equal to the Monthly Principal Target;

            (B) retain in the Collection Account the following amounts:

                  (1) on each such date, an amount equal to the lesser of (x)
            the Subordinated Note Percentage of the Collections processed in
            respect of Principal Receivables allocated to the Series 2005-CC
            pursuant to this Section 4.01(a)(ii), and (y) the remaining amount
            of Collections of Principal Receivables allocated to Series 2005-CC
            on such date after application pursuant to Section 4.01(a)(ii)(A);
            and

                  (2) on the related Distribution Date, deposit in the
            Collection Account an amount equal to the lesser of (x) the
            Collections processed in respect of Principal Receivables allocated
            to Series 2005-CC pursuant to this Section 4.01(a)(ii) and not
            previously retained in the Collection Account and (y) the excess, if
            any, of the Aggregate Reallocated Principal Amount for the related
            Monthly Period over the aggregate amount on deposit in the Principal
            Account pursuant to Section 4.01(a)(ii)(B)(1) on the close of
            business on the last day of the related Monthly Period;

            (C) if any other Principal Sharing Series is outstanding and in its
            Amortization Period or Accumulation Period, retain in the Collection
            Account for application, to the extent necessary, as Shared
            Principal Collections on the related Distribution Date an amount
            equal to the

                                       8

<PAGE>

            remaining amount of such Collections of Principal Receivables
            allocated to Series 2005-CC on such date after application pursuant
            to Section 4.01(a)(ii)(B); and

            (D) pay to the Holder of the Seller Interest an amount equal to the
            remaining amount of such Collections of Principal Receivables
            allocated to Series 2005-CC on such date after application pursuant
            to Section 4.01(a)(ii)(C); provided, however, that the amount to be
            paid to the Holder of the Seller Interest pursuant to this Section
            4.01(a)(ii)(D) with respect to any date shall be paid to the Holder
            of the Seller Interest only if the Seller Amount on such date is
            greater than the Required Seller Amount (after giving effect to the
            inclusion in the Trust of all Principal Receivables created on such
            date), and, to the extent not so paid, shall be deposited into the
            Special Funding Account.

            (b) Allocations During the Early Amortization Period. During the
Early Amortization Period, the Servicer shall, prior to the close of business on
each day any Collections are deposited in the Collection Account, allocate to
Series 2005-CC, the Certificateholders of other series or the Holder of the
Seller Interest the following amounts as set forth below:

            (i) Allocate to Series 2005-CC and retain in the Collection Account
      an amount equal to the product of (A) the Floating Allocation Percentage
      on such date and (B) the aggregate amount of Collections processed in
      respect of Finance Charge Receivables on such date.

            (ii) Allocate to Series 2005-CC and retain in the Collection Account
      an amount equal to the product of (A) the Principal Allocation Percentage
      on such date and (B) the aggregate amount of such Collections processed in
      respect of Principal Receivables on such date; provided, however, that
      after the date on which an amount of such Collections equal to the
      Invested Amount has been deposited into the Collection Account and
      allocated to Series 2005-CC, the amount determined in accordance with this
      subparagraph (ii) shall be first, if any other Principal Sharing Series is
      outstanding and in its Amortization Period or Accumulation Period,
      retained in the Collection Account for application, to the extent
      necessary, as Shared Principal Collections on the related Distribution
      Date, and second paid to the Holder of the Seller Interest only if the
      Seller Amount on such date is greater than the Required Seller Amount
      (after giving effect to the inclusion in the Trust of all Principal
      Receivables created on or prior to such date), and if the Seller Amount
      does not exceed the Required Seller Amount on such date, such excess shall
      be deposited into the Special Funding Account.

            SECTION 4.02. Application of Available Funds and Available Principal
Collections. The Servicer shall apply, or shall cause the Trustee to apply, on
each Distribution Date, Available Funds and Available Principal Collections on
deposit in the Collection Account with respect to such Distribution Date to make
the following distributions:

                                       9

<PAGE>

            (a) On each Distribution Date, an amount equal to the Available
Funds with respect to such Distribution Date shall be paid to the Series 2005-CC
Certificateholders in accordance with Section 5.01.

            (b) On each Distribution Date with respect to the Revolving Period,
an amount equal to the Available Principal Collections deposited in the
Collection Account for the related Monthly Period will be distributed in the
following priority:

            (i) an amount equal to the Series 2005-CC Monthly Principal Payment
      for such Distribution Date shall be paid to the Series 2005-CC
      Certificateholders; and

            (ii) for each Distribution Date, after giving effect to paragraph
      (i) above, an amount equal to the balance, if any, of such Available
      Principal Collections then on deposit in the Collection Account shall be
      treated as Shared Principal Collections and applied in accordance with
      Section 4.04 of the Agreement.

            (c) On each Distribution Date with respect to an Early Amortization
Period, an amount equal to the lesser of (i) Invested Amount on such
Distribution Date and (ii) the Available Principal Collections deposited in the
Collection Account for the related Monthly Period shall be paid to the Series
2005-CC Certificateholders.

            SECTION 4.03. Excess Finance Charge Collections. Series 2005-CC
shall be included in Group One. Subject to Section 4.05 of the Agreement, Excess
Finance Charge Collections with respect to the Series in Group One for any
Distribution Date will be allocated to Series 2005-CC in an amount equal to the
product of (a) the aggregate amount of Excess Finance Charge Collections with
respect to all the Series in Group One for such Distribution Date and (b) a
fraction, the numerator of which is the Finance Charge Shortfall for Series
2005-CC for such Distribution Date and the denominator of which is the aggregate
amount of Finance Charge Shortfalls for all the Series in Group One for such
Distribution Date. The Excess Finance Charge Collections with respect to Series
2005-CC for any Distribution Date will be equal to the Note Trust Excess Finance
Charge Collections for such Distribution Date. The "Finance Charge Shortfall"
for Series 2005-CC for any Distribution Date will be equal to the Note Trust
Finance Charge Shortfall for such Distribution Date.

            SECTION 4.04. Shared Principal Collections. Subject to Section 4.04
of the Agreement, Shared Principal Collections for any Distribution Date will be
allocated to Series 2005-CC in an amount equal to the product of (a) the
aggregate amount of Shared Principal Collections with respect to all Principal
Sharing Series for such Distribution Date and (b) a fraction, the numerator of
which is the Principal Shortfall for Series 2005-CC for such Distribution Date
and the denominator of which is the aggregate amount of Principal Shortfalls for
all the Series which are Principal Sharing Series for such Distribution Date.
The Shared Principal Collections with respect to Series 2005-CC for any
Distribution Date will be equal to the Note Trust Shared Principal Collections
for such Distribution Date. The "Principal Shortfall" for Series 2005-CC will be
equal to the Note Trust Principal Shortfall for such Distribution Date.

                                       10

<PAGE>

                                    ARTICLE V

                          DISTRIBUTIONS AND REPORTS TO
                        SERIES 2005-CC CERTIFICATEHOLDERS

            SECTION 5.01. Distributions.

            (a) On each Distribution Date, the Trustee shall distribute to the
Certificate Representative the aggregate amount payable to the Series 2005-CC
Certificateholders pursuant to Section 4.02 to the account of the Certificate
Representative, as specified in writing by the Certificate Representative, in
immediately available funds.

            (b) The distributions to be made pursuant to this Section 5.01 are
subject to the provisions of Sections 2.06, 9.02, 10.01 and 12.02 of the
Agreement and Sections 8.01 and 8.02 of this Supplement.

            SECTION 5.02. Reports and Statements.

            (a) On each Determination Date, the Servicer shall deliver to the
Trustee, the Paying Agent, each Rating Agency, a certificate substantially in
the form of Exhibit B prepared by the Servicer.

            (b) On each Distribution Date, the Paying Agent, on behalf of the
Trustee, shall forward to the Certificate Representative a statement
substantially in the form of Exhibit C prepared by the Servicer.

            (c) Not later than each Determination Date, the Servicer shall
deliver to the Trustee, the Paying Agent and each Rating Agency (i) statements
substantially in the form of Exhibit C prepared by the Servicer and (ii) a
certificate of a Servicing Officer substantially in the form of Exhibit D.

                                   ARTICLE VI

                                 PAY OUT EVENTS

            SECTION 6.01. Additional Pay Out Events. If any one of the following
events shall occur with respect to the Series 2005-CC Certificate:

            (a) failure on the part of the Seller (i) to make any payment or
deposit required by the terms of the Agreement or this Supplement on or before
the date occurring five Business Days after the date such payment or deposit is
required to be made therein or herein or (ii) duly to observe or perform in any
material respects any other covenants or agreements of the Seller set forth in
the Agreement or this Supplement, which failure has a material adverse effect on
the Series 2005-CC Certificateholders and which continues unremedied for a
period of sixty days after the date on which written notice of such failure,
requiring the same to be remedied, shall have been given to the Seller by the
Trustee, or to the Seller and the Trustee by any Holder of the Series 2005-CC
Certificate, and continues to materially and adversely affect the interests of
the Series 2005-CC Certificateholders for such period;

                                       11

<PAGE>

            (b) any representation or warranty made by the Seller in the
Agreement or this Supplement, or any information contained in a computer file or
microfiche list required to be delivered by the Seller pursuant to Section 2.01
or 2.08(f) of the Agreement shall prove to have been incorrect in any material
respect when made or when delivered, which continues to be incorrect in any
material respect for a period of sixty days after the date on which written
notice of such failure, requiring the same to be remedied, shall have been given
to the Seller by the Trustee, or to the Seller and the Trustee by any Holder of
the Series 2005-CC Certificate and as a result of which the interests of the
Series 2005-CC Certificateholders are materially and adversely affected and
continue to be materially and adversely affected for such period; provided,
however, that a Pay Out Event pursuant to this Section 6.01(b) shall not be
deemed to have occurred hereunder if the Seller has accepted reassignment of the
related Receivable or all of such Receivables, if applicable, during such period
(or such longer period as the Trustee may specify) in accordance with the
provisions of the Agreement;

            (c) a failure by the Seller to convey Receivables in Additional
Accounts or Participation Interests to the Trust within five Business Days after
the day on which they are required to convey such Receivables or Participation
Interests pursuant to Section 2.08(a) of the Agreement; or

            (d) any Servicer Default shall occur which would have a material
adverse effect on the Series 2005-CC Certificateholders;

then, in the case of any event described in subparagraph (a), (b) or (d), after
the applicable grace period, if any, set forth in such subparagraphs, either the
Trustee or the Holders of the Series 2005-CC Certificate evidencing not less
than 50% of the aggregate unpaid principal amount of the Series 2005-CC
Certificate by notice then given in writing to the Seller and the Servicer (and
to the Trustee, if given by the Series 2005-CC Certificateholders) may declare
that a Pay Out Event has occurred with respect to Series 2005-CC as of the date
of such notice, and, in the case of any event described in subparagraph (c) a
Pay Out Event shall occur with respect to Series 2005-CC without any notice or
other action on the part of the Trustee or the Series 2005-CC Certificateholders
immediately upon the occurrence of such event.

                                   ARTICLE VII

                               SERIES TERMINATION

            SECTION 7.01. Series Termination. The right of the Series 2005-CC
Certificateholders to receive payments from the Trust will terminate on the
first Business Day following the Series Termination Date.

                                  ARTICLE VIII

                               FINAL DISTRIBUTIONS

            SECTION 8.01. Sale of Receivables or Certificateholders' Interest
pursuant to Section 2.06 or 10.01 of the Agreement.

                                       12

<PAGE>

            (a) (i) The amount to be paid by the Seller with respect to Series
      2005-CC in connection with a reassignment of Receivables to the Seller
      pursuant to Section 2.06 of the Agreement shall equal the Reassignment
      Amount for the first Distribution Date following the Monthly Period in
      which the reassignment obligation arises under the Agreement.

            (ii) The amount to be paid by the Seller with respect to Series
      2005-CC in connection with a repurchase of the Certificateholders'
      Interest pursuant to Section 10.01 of the Agreement shall equal the sum of
      (x) the Reassignment Amount for the Distribution Date of such repurchase
      and (y) the excess, if any, of (I) a price equivalent to the best purchase
      price quoted on the Record Date preceding the date of repurchase (or, if
      such Record Date is not a Business Day, on the next succeeding Business
      Day) by at least two recognized dealers selected by the Trustee, at the
      written direction of the Servicer, for the purchase by such dealers of a
      security which is similar to the Notes with a remaining maturity
      approximately equal to the remaining maturity of the Notes and rated by
      each rating agency in the rating category originally assigned to the Notes
      over (II) the portion of the Reassignment Amount attributable to the
      Series 2005-CC Certificate.

            (b) With respect to the Reassignment Amount deposited into the
Collection Account pursuant to Section 8.01(a)(ii), the Trustee shall to the
extent funds are available, not later than 12:00 noon, New York City time, on
the related Distribution Date, make deposits or distributions of the following
amounts (in the priority set forth below and, in each case after giving effect
to any deposits and distributions otherwise to be made on such date) in
immediately available funds: (i) the aggregate Outstanding Dollar Principal
Amount of all Outstanding Notes on such Distribution Date will be distributed to
the Series 2005-CC Certificateholders and (ii) an amount equal to the Monthly
Interest Target for such Distribution Date will be distributed to the Series
2005-CC Certificateholders. Notwithstanding anything to the contrary contained
in this Supplement or the Agreement, the amount of any excess determined
pursuant to paragraph (a)(ii)(y) shall be distributed to the Series 2005-CC
Certificateholders.

            (c) Notwithstanding anything to the contrary in this Supplement or
the Agreement, all amounts distributed to the Paying Agent pursuant to Section
8.01(b) for payment to the Series 2005-CC Certificateholders shall be deemed
distributed in full to the Series 2005-CC Certificateholders on the date on
which such funds are distributed to the Paying Agent pursuant to this Section
and shall be deemed to be a final distribution pursuant to Section 12.02 of the
Agreement.

            SECTION 8.02. Distribution of Proceeds of Sale, Disposition or
Liquidation of the Receivables pursuant to Section 9.02 of the Agreement.

            (a) Not later than 12:00 noon, New York City time, on the
Distribution Date following the date on which the Insolvency Proceeds are
deposited into the Collection Account pursuant to Section 9.02(c) of the
Agreement, the Trustee shall (in the following priority and, in each case, after
giving effect to any deposits and distributions otherwise to be made on such
Distribution Date) deduct an amount equal to the aggregate Outstanding Dollar
Principal Amount of all Outstanding Notes on such Distribution Date from the
portion of the Insolvency Proceeds allocated to Collections of Principal
Receivables and distribute such amount to the

                                       13

<PAGE>

Paying Agent for payment to the Series 2005-CC Certificateholders, provided that
the amount of such distribution shall not exceed the product of (A) the portion
of the Insolvency Proceeds allocated to Collections of Principal Receivables and
(B) the Principal Allocation Percentage with respect to the related Monthly
Period.

            (b) Not later than 12:00 noon, New York City time, on such
Distribution Date, the Trustee shall (in the following priority and, in each
case, after giving effect to any deposits and distributions otherwise to be made
on such Distribution Date) deduct an amount equal to the Monthly Interest Target
for such Distribution Date from the portion of the Insolvency Proceeds allocated
to Collections of Finance Charge Receivables and distribute such amount to the
Paying Agent for payment to the Series 2005-CC Certificateholders, provided that
the amount of such distribution shall not exceed the product of (A) the portion
of the Insolvency Proceeds allocated to Collections of Finance Charge
Receivables and (B) the Floating Allocation Percentage with respect to the
related Monthly Period.

            (c) Notwithstanding anything to the contrary in this Supplement or
the Agreement, all amounts distributed to the Paying Agent pursuant to this
Section for payment to the Series 2005-CC Certificateholders shall be
distributed in full to the Series 2005-CC Certificateholders on the date on
which funds are distributed to the Paying Agent pursuant to this Section and
shall be deemed to be a final distribution pursuant to Section 12.02 of the
Agreement.

            (d) Notwithstanding any provision of the Agreement or this
Supplement, for purposes of Section 9.02(a) of the Agreement, the Holders of the
Series 2005-CC Certificate shall be deemed to have irrevocably disapproved a
liquidation of the Receivables following an Insolvency Event.

            SECTION 8.03. Sale of Receivables on Legal Maturity Date. Upon
notice to the Servicer and the Seller by the Certificate Representative pursuant
to the Indenture with respect to any tranche of accelerated Notes or any tranche
of Notes which has reached its Legal Maturity Date, the Trustee will, pursuant
to the written instruction of the Certificate Representative, sell to a
Permitted Assignee Principal Receivables and the related Finance Charge
Receivables (or interests therein) in an amount specified by the Certificate
Representative which shall be a portion of the Invested Amount of Series 2005-CC
equal to the Nominal Liquidation Amount of the affected tranche of Notes,
calculated as of the end of the prior Monthly Period (after giving effect to
deposits and distributions otherwise to be made with respect to such Monthly
Period). The proceeds from such sale shall be immediately paid to the
Certificate Representative.

                                   ARTICLE IX

                            MISCELLANEOUS PROVISIONS

            SECTION 9.01. Ratification of Agreement. As supplemented by this
Supplement, the Agreement is in all respects ratified and confirmed and the
Agreement as so supplemented by this Supplement shall be read, taken and
construed as one and the same instrument.

                                       14

<PAGE>

            SECTION 9.02. Counterparts. This Supplement may be executed in two
or more counterparts, and by different parties on separate counterparts, each of
which shall be an original, but all of which shall constitute one and the same
instrument.

            SECTION 9.03. Governing Law; Submission to Jurisdiction; Agent for
Service of Process. This Supplement 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 Supplement 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 Supplement involves at least
$100,000.00, and (b) that this Supplement has been entered into by the parties
hereto in express reliance upon 6 DEL. C. Section 2708. Each of the parties
hereto 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 9.04. Certain Tax Related Amendments. In addition to being
subject to amendment pursuant to any other provisions relating to amendments in
either the Agreement or this Supplement, this Supplement may be amended by the
Seller without the consent of the Servicer, Trustee or any Investor
Certificateholder if the Seller provides the Trustee with (i) an Opinion of
Counsel to the effect that such amendment or modification would reduce the risk
the Trust would be treated as taxable as a publicly traded partnership pursuant
to Code section 7704 and (ii) a certificate that such amendment or modification
would not materially and adversely affect any Investor Certificateholder;
provided, that no such amendment shall be deemed effective without the Trustee's
consent, if the Trustee's rights, duties and obligations hereunder are thereby
modified. Promptly after the effectiveness of any amendment pursuant to this
Section 9.04, the Seller shall deliver a copy of such amendment to each of the
Servicer, the Trustee and each Rating Agency.

            SECTION 9.05. Certain Accounting Related Amendments. Notwithstanding
any other provision of this Agreement to the contrary, the consent of the
Servicer, the Trustee and any Investor Certificateholder is hereby deemed to be
given in connection with the amendment of the Agreement or this Supplement to
account for the transfer of assets as sales in accordance with FASB Statement
No. 140 (or any successor pronouncement), including providing for the transfer
of Receivables from the Seller to a bankruptcy-remote special purpose entity and
from that entity to the Trustee on behalf of the Trust; provided, that no such
amendment shall be deemed effective without the Trustee's consent, if the
Trustee's rights, duties and obligations hereunder are thereby modified.
Promptly after the effectiveness of any amendment pursuant to this Section 9.08,
the Seller shall deliver a copy of such amendment to each of the Servicer, the
Trustee and each Rating Agency.

                                       15

<PAGE>

            SECTION 9.06. Additional Representations and Warranties of the
Seller. The Seller hereby makes the following representations and warranties.
Such representations and warranties shall survive until the termination of this
Supplement. Such representations and warranties speak as of the date that the
Collateral (as defined below) is transferred to the Trustee, on behalf of the
Trust, but shall not be waived by any of the parties to this Supplement unless
the Rating Agency Condition shall have been satisfied with respect to such
waiver.

            (a) The Agreement creates a valid and continuing security interest
(as defined in the applicable UCC) in favor of the Trustee, on behalf of the
Trust, in the Receivables described in Section 2.01 of the Agreement (the
"Collateral"), which security interest is prior to all other liens, and is
enforceable as such against creditors of and purchasers from the Seller.

            (b) The Collateral constitute "accounts" within the meaning of the
applicable UCC.

            (c) At the time of its transfer of any Collateral to the Trustee, on
behalf of the Trust, pursuant to the Agreement, the Seller owned and had good
and marketable title to such Collateral free and clear of any Lien, claim or
encumbrance of any Person.

            (d) The Seller has caused or will have caused, within ten (10) days
of the initial execution of this Supplement, the filing of all appropriate
financing statements in the proper filing office in the appropriate
jurisdictions under applicable law in order to perfect the security interest in
the Collateral granted to the Trustee, on behalf of the Trust, pursuant to the
Agreement.

            (e) Other than the security interest granted to the Trustee, on
behalf of the Trust, pursuant to the Agreement or an Assignment, the Seller has
not pledged, assigned, sold, granted a security interest in, or otherwise
conveyed the Collateral. The Seller has not authorized the filing of and is not
aware of any effective financing statements against the Seller that cover such
Collateral other than any financing statement relating to the transfer and
security interest granted to the Trustee, on behalf of the Trust, pursuant to
the Agreement or an Assignment or that has been terminated. The Seller is not
aware of any judgment or tax lien filings against the Seller.

            SECTION 9.07. Treatment of Noteholders. Subject to Section 8.02(d),
for purposes of any provision of the Agreement or this Supplement requiring or
permitting actions with the consent of, or at the direction of, Series 2005-CC
Certificateholders holding a specified percentage of the aggregate unpaid
principal amount of the Series 2005-CC Certificate (a) each Noteholder will be
deemed to be a Series 2005-CC Certificateholder; (b) each Noteholder will be
deemed to be the Holder of an aggregate unpaid principal amount of the Series
2005-CC Certificate equal to the Adjusted Outstanding Dollar Principal Amount of
such Noteholder's Notes; (c) each series of Notes under the Indenture will be
deemed to be a separate Series of Investor Certificates and the Holder of a Note
of such series will be deemed to be the Holder of an aggregate unpaid principal
amount of such Series of Investor Certificates equal to the Adjusted Outstanding
Dollar Principal Amount of such Noteholder's Notes of such series; (d) each
tranche of Notes under the Indenture will be deemed to be a separate Class of
Investor Certificates and the Holder of a Note of such tranche will be deemed to
be the Holder of an

                                       16

<PAGE>

aggregate unpaid principal amount of such Class of Investor Certificates equal
to the Adjusted Outstanding Dollar Principal Amount of such Noteholder's Notes
of such tranche and (e) any Notes owned by the National City Credit Card Master
Note Trust, the Seller, the Servicer, any other holder of the Seller Interest or
any Affiliate thereof will be deemed not to be outstanding, except that, in
determining whether the Trustee shall be protected in relying upon any such
consent or direction, only Notes which a Responsible Officer of the Trustee
knows to be so owned shall be so disregarded. Notes so owned which have been
pledged in good faith shall not be disregarded and may be regarded as
outstanding if the pledgee establishes to the satisfaction of the Trustee the
pledgee's right so to act with respect to such Notes and that the pledgee is not
the Seller, the Servicer, any other holder of the Seller Interest or any
Affiliate thereof.

            SECTION 9.08. Transfer of the Series 2005-CC Certificate. To the
fullest extent permitted by applicable law, after the Closing Date, the Series
2005-CC Certificate may not be sold, participated, transferred, assigned,
exchanged or otherwise pledged or conveyed in whole or in part except upon the
prior delivery to the Master Trust Trustee and the Owner Trustee of a Master
Trust Tax Opinion and an Issuer Tax Opinion (as defined in the Indenture),
respectively, with respect thereto; provided, however, that each of (i) the
transfer of the Series 2005-CC Certificate from the Seller to the National City
Credit Card Master Note Trust, a Delaware statutory trust and (ii) the grant
pursuant to the "Granting Clause" in the Indenture, shall be excluded from the
provisions of this Section 9.08.

            SECTION 9.09. Delivery of the Series 2005-CC Certificate.

            (a) The Seller shall execute and deliver the Series 2005-CC
Certificate to the Trustee for authentication in accordance with Section 6.01 of
the Agreement. The Trustee shall deliver such Certificate when authenticated in
accordance with Section 6.02 of the Agreement.

            (b) The Series 2005-CC Certificate shall be delivered as a
Registered Certificate as provided in Section 6.01 of the Agreement.

            (c) The Series 2005-CC Certificate shall constitute a "security"
within the meaning of (i) Article 8 of the Uniform Commercial Code (including
Section 8-102(a)(15) thereof) as in effect from time to time in the State of
Delaware and (ii) the Uniform Commercial Code of any other applicable
jurisdiction that presently or hereafter substantially includes the 1994
revisions to Article 8 thereof as adopted by the American Law Institute and the
National Conference of Commissioners on Uniform State Laws and approved by the
American Bar Association on February 14, 1995.

            (d) When issued and sold in accordance with the terms of the
Agreement, including when duly executed and delivered by the Seller and
authenticated by the Trustee in accordance with the terms of the Agreement and
when issued and delivered against payment therefore, the Series 2005-CC
Certificate will be duly, validly and legally issued and outstanding, fully
paid, non-assessable, and entitled to the benefits of the Agreement.

                           [Signature Page to Follow]

                                       17

<PAGE>

            IN WITNESS WHEREOF, the undersigned have caused this Supplement to
be duly executed and delivered by their respective duly authorized officers on
the day and year first above written.

                           NATIONAL CITY BANK,
                             as Seller and Servicer

                             By: /s/ Russell A. Cronin, Jr.
                                 ----------------------------------------------
                                 Name: Russell A. Cronin, Jr.
                                 Title: Senior Vice President

                           THE BANK OF NEW YORK (DELAWARE),
                            not in its individual capacity but solely as Trustee

                                 By: /s/ Kristine K. Gullo
                                     ------------------------------------------
                                     Name: Kristine K. Gullo
                                     Title: Vice President
<PAGE>

                                                                       EXHIBIT A

                               FORM OF CERTIFICATE

            THE HOLDER HEREOF, BY PURCHASING THIS SERIES 2005-CC CERTIFICATE,
      AGREES THAT IT IS ACQUIRING THIS SERIES 2005-CC CERTIFICATE FOR ITS OWN
      ACCOUNT (AND NOT FOR THE ACCOUNT OF OTHERS) AND NOT WITH A VIEW TO, OR FOR
      SALE IN CONNECTION WITH, THE PUBLIC DISTRIBUTION HEREOF AND THAT NEITHER
      THIS SERIES 2005-CC CERTIFICATE NOR ANY INTEREST HEREIN MAY BE OFFERED,
      SOLD, PLEDGED, OR OTHERWISE TRANSFERRED, EXCEPT IN COMPLIANCE WITH THE
      REGISTRATION PROVISIONS OF THE SECURITIES ACT OF 1933, AS AMENDED, AND ANY
      APPLICABLE PROVISIONS OF ANY STATE SECURITIES LAWS OR PURSUANT TO AN
      AVAILABLE EXEMPTION FROM SUCH PROVISIONS. THE TRANSFER OF THIS SERIES
      2005-CC CERTIFICATE IS SUBJECT TO CERTAIN CONDITIONS SET FORTH IN THE
      POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

            TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER THIS
      SERIES 2005-CC CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED,
      ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR CONVEYED, EXCEPT IN ACCORDANCE
      WITH THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

            No.__

                     NATIONAL CITY CREDIT CARD MASTER TRUST
                           SERIES 2005-CC CERTIFICATE
                    ASSET BACKED CERTIFICATE, SERIES 2005-CC

Evidencing an undivided interest in a trust, the corpus of which consists
primarily of receivables generated from time to time in the ordinary course of
business in a portfolio of consumer revolving credit card accounts generated or
acquired by National City Bank and other assets and interests constituting the
Trust under the Pooling and Servicing Agreement described below.

                      (Not an interest in or obligation of
                               National City Bank
                           or any Affiliate thereof.)

            This certifies that _______ (the "Investor Certificateholder") is
the registered owner of an undivided interest in the National City Credit Card
Master Trust (the "Trust"), the corpus of which consists of a portfolio of
receivables (the "Receivables") now existing or hereafter created and arising in
connection with selected consumer revolving credit card accounts (the
"Accounts") of National City Bank, a national banking association organized
under the laws of the United States, all Interchange and

                                       A-1

<PAGE>

Recoveries that are allocable to the Trust, all monies due or to become due and
all amounts received or receivable with respect to any of the foregoing and all
proceeds of any of the foregoing (including "proceeds" as defined in the UCC),
and the other assets and interests constituting the Trust pursuant to a Pooling
and Servicing Agreement, dated as of June 1, 1995, as amended and restated as of
July 1, 2000, as further amended as of May 24, 2001 and as of August 3, 2005, as
supplemented by the Series 2005-CC Supplement, dated as of August 23, 2005
(collectively, the "Pooling and Servicing Agreement"), by and between National
City Bank, as Seller (the "Seller") and as Servicer (the "Servicer"), and The
Bank of New York (Delaware), as Trustee (the "Trustee"), a summary of certain of
the pertinent provisions of which is set forth hereinbelow.

            To the extent not defined herein, capitalized terms used herein have
the respective meanings assigned to them in the Pooling and Servicing Agreement.
This Investor Certificate is issued under and is subject to the terms,
provisions and conditions of the Pooling and Servicing Agreement, to which
Pooling and Servicing Agreement, as amended from time to time, the Investor
Certificateholder by virtue of the acceptance hereof assents and by which the
Investor Certificateholder is bound.

            Although a summary of certain provisions of the Pooling and
Servicing Agreement is set forth below, this Investor Certificate is qualified
in its entirety by the terms and provisions of the Pooling and Servicing
Agreement and reference is made to that Pooling and Servicing Agreement for
information with respect to the interests, rights, benefits, obligations,
proceeds, and duties evidenced hereby and the rights, duties and obligations of
the Trustee.

            Beginning on October 17, 2005 and on each Distribution Date
thereafter, the Trustee shall distribute to the Investor Certificateholders of
record as of the last Business Day of the calendar month preceding such
Distribution Date such amounts as are payable pursuant to the Pooling and
Servicing Agreement and as are requested by the certificate delivered to the
Trustee by the Servicer pursuant to Section 5.01 of the Pooling and Servicing
Agreement. The Series 2005-CC Termination Date is the earlier to occur of (i)
the date designated by the Seller following the last occurring Legal Maturity
Date of any series, class or tranche of Notes or (ii) the Termination of the
Trust pursuant to Section 12.01 of the Pooling and Servicing Agreement.
Principal with respect to the Series 2005-CC Certificates will be paid under the
circumstances described in the Pooling and Servicing Agreement.

            Unless the certificate of authentication hereon has been executed by
or on behalf of the Trustee, by manual signature, this Investor Certificate
shall not be entitled to any benefit under the Pooling and Servicing Agreement,
or be valid for any purpose.

            This Investor Certificate shall constitute a "security" within the
meaning of (i) Article 8 of the Uniform Commercial Code (including Section
8-102(a)(15) thereof) as in effect from time to time in the State of Delaware
and (ii) the Uniform Commercial Code of any other applicable jurisdiction that
presently or hereafter substantially includes the 1994 revisions to Article 8
thereof as adopted by the American Law Institute and the National Conference of
Commissioners on Uniform State Laws and approved by the American Bar Association
on February 14, 1995.

                                       A-2

<PAGE>

            This Investor Certificate shall be governed by and construed in
accordance with the laws of the State of Delaware, without regard to conflict of
law principles thereof.

                                       A-3

<PAGE>

            IN WITNESS WHEREOF, National City Bank has caused this Series
2005-CC Certificate to be duly executed under its official seal.

                                                 By:________________________
                                                    Name: Russell A. Cronin, Jr.
                                                    Title: Senior Vice President

Date: August __, 2005

<PAGE>

                 Form of Trustee's Certificate of Authentication

                          CERTIFICATE OF AUTHENTICATION

            This is one of the Series 2005-CC Certificates referred to in the
within-mentioned Pooling and Servicing Agreement.

                                         THE BANK OF NEW YORK (DELAWARE),
                                          Trustee

                                         By:____________________________________
                                             Authorized Signatory

Date: August __, 2005

<PAGE>

                                                                       EXHIBIT B

              FORM OF MONTHLY PAYMENT INSTRUCTIONS AND NOTIFICATION
                                 TO THE TRUSTEE
                               NATIONAL CITY BANK
             NATIONAL CITY CREDIT CARD MASTER TRUST, SERIES 2005-CC
                   MONTHLY PERIOD ENDING __________ __, _____

Capitalized terms used in this notice have their respective meanings set forth
in the Pooling and Servicing Agreement. References herein to certain sections
and subsections are references to the respective sections and subsections of the
Pooling and Servicing Agreement as supplemented by the Series 2005-CC
Supplement. This notice is delivered pursuant to Section 4.02.

      A)    National City Bank is the Servicer under the Pooling and Servicing
            Agreement.

      B)    The undersigned is a Servicing Officer.

      C)    The date of this notice is on the related Distribution Date under
            the Pooling and Servicing Agreement.

I. INSTRUCTION TO MAKE A WITHDRAWAL

Pursuant to Sections 4.02 and 4.03, the Servicer does hereby instruct the
Trustee (i) to make withdrawals from the Collection Account on __________ __,
____, which date is a Distribution Date under the Pooling and Servicing
Agreement, in the aggregate amounts set forth below in respect of the following
amounts and (ii) to apply the proceeds of such withdrawals in accordance with
Sections 3.01(a), 4.02 and 4.03:

A.    Pursuant to subsection 3.01(a):

            1.    Servicer Interchange                               $__________

B.    Pursuant to subsection 4.02(b)(ii):

            1.    Shared Principal Collections to be applied in
                  accordance with Section 4.04                       $__________

C.    Pursuant to subsection 4.02(c):

            1.    Amount to be paid to Series 2005-CC
                  Certificateholders                                 $__________

D.    Pursuant to Section 4.03:

            1.    Amount to be treated as Excess Finance Charge
                  Collections                                        $__________

                                       B-1

<PAGE>

II. INSTRUCTION TO MAKE CERTAIN PAYMENTS

Pursuant to Section 4.02, the Servicer does hereby instruct the Trustee pay in
accordance with Section 4.02 to the account of the Certificate Representative on
__________ __, ____, which date is a Distribution Date under the Pooling and
Servicing Agreement, the amounts set forth below:

A. Pursuant to subsection 4.02(a):

            1.    Amount to be treated as Available Funds to be
                  paid to the Series 2005-CC Certificateholders
                  from the Collection Account in accordance with
                  Section 5.01                                       $__________

B. Pursuant to subsection 4.02(b)(i):

            1.    Amount equal to the Monthly Principal Payment to
                  be paid to the Series 2005-CC Certificateholders
                  from the Collection Account                        $__________

                                       B-2

<PAGE>
      IN WITNESS WHEREOF, the undersigned has duly executed this certificate
this __th day __________, ____.

                                   NATIONAL CITY BANK,
                                   AS SERVICER

                                   By:__________________________________________
                                   Name:
                                   Title:

                                       B-3

<PAGE>

                                                                       EXHIBIT C

          FORM OF MONTHLY SERIES 2005-CC CERTIFICATEHOLDERS' STATEMENT

                                 Series 2005-CC

                               NATIONAL CITY BANK

                  --------------------------------------------

                     NATIONAL CITY CREDIT CARD MASTER TRUST

                  --------------------------------------------

      The information which is required to be prepared with respect to the
Distribution Date of ______ __, ____and with respect to the performance of the
Trust during the related Monthly Period.

      Capitalized terms used in this Statement have their respective meanings
set forth in the Pooling and Servicing Agreement.

A.    Information Regarding the Current Monthly Distribution

      1.    The amount of the current monthly distribution which
            constitutes Available Funds............................  $__________

      2.    The amount of the current monthly distribution which
            constitutes Available Principal Collections............  $__________

            Total..................................................  $__________

B.    Information Regarding the Performance of the Trust

      1.    Collection of Principal Receivables

            (a)   The aggregate amount of Collections of Principal
                  Receivables processed during the related Monthly
                  Period and allocated to Series 2005-CC...........  $__________

      2.    Collection of Finance Charge Receivables

            (a)   The aggregate amount of Finance Charge
                  Receivables processed during the related Monthly
                  Period and allocated to Series 2005-CC...........  $__________

                                       C-1

<PAGE>

      3.    Principal Receivables in the Trust

            (a)   The aggregate amount of Principal Receivables in
                  the Trust as of the end of the day on the last
                  day of the related Monthly Period................  $__________

            (b)   The amount of Principal Receivables in the Trust
                  represented by the Invested Amount of Series
                  2005-CC as of the end of the day on the last day
                  of the related Monthly Period....................  $__________

            (c)   The Floating Allocation Invested Amount as of the
                  end of the day on the last day of the related
                  Monthly Period...................................  $__________

            (d)   The Principal Allocation Invested Amount as of
                  the end of the day on the last day of the related
                  Monthly Period...................................  $__________

            (e)   The Floating Allocation Percentage with respect
                  to the related Monthly Period....................  ____%

            (f)   The Principal Allocation Percentage with respect
                  to the related Monthly Period....................  ____%

      4.    Delinquent Balances

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

<TABLE>
<CAPTION>
            Aggregate                                  Percentage
             Account                                    of Total
             Balance                                   Receivables
--------------------------                             -----------
<S>                             <C>                    <C>
(a)   30     -    59 days:      $__________               ____%
(b)   60     -    89 days:      $__________               ____%
(c)   90+ days:                 $__________               ____%
                    Total:      $__________               ____%
</TABLE>

      5.    Investor Default Amount

            (a)   The Aggregate Investor Default Amount for the
                  related Monthly Period...........................  $__________

                                       C-2

<PAGE>

      6.    Monthly Servicing Fee

            (a)   The amount of the Monthly Servicing Fee payable
                  by the Trust to the Servicer for the related
                  Monthly Period...................................  $__________

            (b).  The amount of the Servicer Interchange payable by
                  the Trust to the Servicer for the related Monthly
                  Period...........................................  $__________

                                       C-3

<PAGE>

                                                    NATIONAL CITY BANK,
                                                      AS SERVICER

                                                    By:_________________________
                                                       Name:
                                                       Title:

                                       C-4

<PAGE>

                                                                       EXHIBIT D

                     FORM OF MONTHLY SERVICER'S CERTIFICATE

                               NATIONAL CITY BANK

                     NATIONAL CITY CREDIT CARD MASTER TRUST

                                 SERIES 2005-CC

            The undersigned, a duly authorized representative of National City
Bank, as Servicer (in such capacity, "National City"), pursuant to the Pooling
and Servicing Agreement dated as of June 1, 1995 as amended and restated as of
July 1, 2000 (as amended thereafter, the "Agreement"), as supplemented by the
Series 2005-CC Supplement (the "Series 2005-CC Supplement"), between National
City, as Seller and Servicer, and The Bank of New York (Delaware), as Trustee,
does hereby certify as follows:

            1. Capitalized terms used in this Certificate have their respective
meanings as set forth in the Agreement or the Series 2005-CC Supplement, as
applicable.

2.    National City is, as of the date hereof, the Servicer under the Agreement.

3.    The undersigned is a Servicing Officer.

4.    This Certificate relates to the Distribution Date occurring on __________
      __, _______.

5.    As of the date hereof, to the best knowledge of the undersigned, the
      Servicer has performed in all material respects all its obligations under
      the Agreement through the Monthly Period preceding such Distribution Date
      [or, if there has been a default in the performance of any such
      obligation, set forth in detail the (i) nature of such default, (ii) the
      action taken by the Servicer, if any, to remedy such default and (iii) the
      current status of each such default; if applicable, insert "None"].

6.    As of the date hereof, to the best knowledge of the undersigned, no Pay
      Out Event occurred on or prior to such Distribution Date.

                                       D-1

<PAGE>

            IN WITNESS WHEREOF, the undersigned has duly executed and delivered
this Certificate this ____ day of _____________, ____.

                                          NATIONAL CITY BANK,
                                           as Seller and Servicer

                                          By:___________________________________
                                              Name:
                                              Title:

                                       D-2<PAGE>

                                                                     EXHIBIT 4.2

                                                                  EXECUTION COPY

================================================================================

                   NATIONAL CITY CREDIT CARD MASTER NOTE TRUST

                      AMENDED AND RESTATED TRUST AGREEMENT

                           Dated as of August 23, 2005

                                     between

                               NATIONAL CITY BANK,
                        as Beneficiary and as Transferor,

                                       and

                            WILMINGTON TRUST COMPANY,
                        as Owner Trustee and Trustee Bank

================================================================================

<PAGE>

                                TABLE OF CONTENTS
<TABLE>
<CAPTION>
                                                                                                                    PAGE
                                                                                                                    ----
<S>                                                                                                                 <C>
                                                       ARTICLE I
                                                      DEFINITIONS

Section 1.01.         Definitions...............................................................................      1

Section 1.02.         Generic Terms.............................................................................      4

                                                      ARTICLE II
                    ORGANIZATION; DECLARATION OF TRUST BY THE OWNER TRUSTEE; COLLATERAL CERTIFICATE

Section 2.01.         Continuation of Trust; Name...............................................................      5

Section 2.02.         Transfer of Property to Trust; Initial Capital Contribution of Trust Estate...............      5

Section 2.03.         Purposes and Powers; Trust To Operate as a Single Purpose Entity..........................      5

Section 2.04.         Appointment of Owner Trustee..............................................................      8

Section 2.05.         Declaration of Trust......................................................................      8

Section 2.06.         Title to Trust Estate.....................................................................      9

Section 2.07.         Nature of Interest in the Trust Estate....................................................      9

Section 2.08.         Continuation of Trust; Principal Office of Owner Trustee..................................      9

Section 2.09.         Tax Matters...............................................................................      9

Section 2.10.         Fiscal Year...............................................................................      9

Section 2.11.         Transfer of Collateral Certificate........................................................      9

Section 2.12.         Closing...................................................................................     10

Section 2.13.         Books and Records.........................................................................     10

Section 2.14.         Series 2005-CC Certificateholder..........................................................     11

Section 2.15.         Representations and Warranties of the Transferor..........................................     11

Section 2.16.         Protection of Title to Collateral Certificate.............................................     12

Section 2.17.         Assignment to the Indenture Trustee.......................................................     12

Section 2.18.         Merger or Consolidation of, or Assumption of the Obligations of, Transferor...............     13

Section 2.19.         Limitation on Liability of Transferor and Others..........................................     13

                                                      ARTICLE III
                                   REPRESENTATIONS AND WARRANTIES OF THE BENEFICIARY

Section 3.01.         Representations and Warranties of the Beneficiary.........................................     14
</TABLE>

                                      -i-
<PAGE>

                                TABLE OF CONTENTS
                                   (CONTINUED)

<TABLE>
<CAPTION>
                                                                                                                   PAGE
                                                                                                                   ----
<S>                                                                                                                <C>
                                                      ARTICLE IV
                                                DISTRIBUTIONS OF FUNDS

Section 4.01.         Distribution of Funds.....................................................................     15

Section 4.02.         Payments from Trust Estate Only...........................................................     15

Section 4.03.         Method of Payment.........................................................................     15

                                                       ARTICLE V
                                              DUTIES OF THE OWNER TRUSTEE

Section 5.01.         Action Upon Instructions..................................................................     15

Section 5.02.         No Duty to Act Under Certain Circumstances................................................     16

Section 5.03.         No Duties Except Under Specified Agreements or Instructions...............................     17

Section 5.04.         Trust Operation...........................................................................     17

Section 5.05.         Execution of Documents....................................................................     18

                                                      ARTICLE VI
                                              CONCERNING THE TRUSTEE BANK

Section 6.01.         Acceptance of Trust and Duties............................................................     19

Section 6.02.         Furnishing of Documents...................................................................     20

Section 6.03.         No Representations and Warranties as to the Trust Estate..................................     20

Section 6.04.         Signature of Returns......................................................................     20

Section 6.05.         Reliance; Advice of Counsel...............................................................     20

Section 6.06.         Not Acting in Individual Capacity.........................................................     21

Section 6.07.         Representations and Warranties............................................................     21

                                                      ARTICLE VII
                                            TERMINATION OF TRUST AGREEMENT

Section 7.01.         Termination of Trust Agreement............................................................     22

                                                     ARTICLE VIII
                           SUCCESSOR OWNER TRUSTEES, CO-TRUSTEES AND SEPARATE OWNER TRUSTEES

Section 8.01.         Resignation and Removal of the Owner Trustee; Appointment of Successors...................     22

Section 8.02.         Transfer Procedures.......................................................................     23

Section 8.03.         Qualification of Owner Trustee............................................................     23

Section 8.04.         Co-trustees and Separate Owner Trustees...................................................     23
</TABLE>

                                      -ii-
<PAGE>

                                TABLE OF CONTENTS
                                   (CONTINUED)

<TABLE>
<CAPTION>
                                                                                                                   PAGE
                                                                                                                   ----
<S>                                                                                                                <C>
                                                      ARTICLE IX
                                                      AMENDMENTS

Section 9.01.         Amendments................................................................................     24

                                                       ARTICLE X
                                         BENEFICIAL INTERESTS AND CERTIFICATES

Section 10.01.        Issuance of Trust Certificates............................................................     25

Section 10.02.        Beneficial Interest; Prohibitions on Transfer.............................................     26

Section 10.03.        Lost or Destroyed Trust Certificate.......................................................     27

                                                      ARTICLE XI
                                   COMPENSATION OF TRUSTEE BANK AND INDEMNIFICATION

Section 11.01.        Trustee Bank Fees and Expenses............................................................     27

Section 11.02.        Indemnification...........................................................................     27

                                                      ARTICLE XII
                                                     MISCELLANEOUS

Section 12.01.        Conveyance by the Owner Trustee is Binding................................................     28

Section 12.02.        Instructions; Notices.....................................................................     28

Section 12.03.        Severability..............................................................................     29

Section 12.04.        Limitation of Liability...................................................................     29

Section 12.05.        Separate Counterparts.....................................................................     29

Section 12.06.        Successors and Assigns....................................................................     30

Section 12.07.        Headings..................................................................................     30

Section 12.08.        Governing Law.............................................................................     30

Section 12.09.        Nonpetition Covenants.....................................................................     30

Section 12.10.        No Recourse...............................................................................     30

Section 12.11.        Acceptance of Terms of Agreement..........................................................     30
</TABLE>

                                      -iii-
<PAGE>

                                    EXHIBITS

<TABLE>
<CAPTION>
                                                                                      PAGE
                                                                                      ----
<S>                                                                                   <C>
EXHIBIT A    [FORM OF] TRUST CERTIFICATE ....................................          A-1

EXHIBIT B    CERTIFICATE OF TRUST OF NATIONAL CITY
                  CREDIT CARD MASTER NOTE TRUST..............................          B-1
</TABLE>

                                      -iv-
<PAGE>

      NATIONAL CITY CREDIT CARD MASTER NOTE TRUST AMENDED AND RESTATED TRUST
AGREEMENT dated as of August 23, 2005, between NATIONAL CITY BANK ("National
City"), a national banking association, as Beneficiary and as Transferor, and
WILMINGTON TRUST COMPANY, a Delaware banking corporation, as owner trustee (the
"Owner Trustee").

      WHEREAS, National City and the Owner Trustee have heretofore created a
statutory trust pursuant to the Delaware Statutory Trust Act (as hereinafter
defined) by filing the Certificate of Trust (as hereinafter defined) with the
office of the Secretary of State (as hereinafter defined) on July 13, 2005, and
entering into a Trust Agreement, dated as of July 13, 2005 (the "Original Trust
Agreement"); and

      WHEREAS, the parties hereto desire to continue the Trust (as hereinafter
defined) as a statutory trust under the Delaware Statutory Trust Act and to
amend and restate the Original Trust Agreement of the Trust in its entirety.

      NOW, THEREFORE, in consideration of the mutual agreements herein contained
and other good and valuable consideration, the receipt and sufficiency of which
are hereby acknowledged, the parties hereto, intending to be legally bound
hereby, agree as follows:

                                   ARTICLE I

                                  DEFINITIONS

            Section 1.01. Definitions. Capitalized terms used herein and not
defined herein have the meaning assigned to them in the Series 2005-CC
Supplement or the Pooling and Servicing Agreement. For purposes of this
Agreement, the following terms have the following meanings:

      "Administration Agreement" means the Administration Agreement dated as of
August 23, 2005, between National City, as Administrator, and the Trust, as the
same may be amended, restated, supplemented or otherwise modified from time to
time.

      "Administrator" means National City or any successor Administrator under
the Administration Agreement.

      "Adverse Effect" has the meaning specified in the Indenture.

      "Affiliate" has the meaning specified in the Indenture.

      "Agreement" means this National City Credit Card Master Note Trust Amended
and Restated Trust Agreement, as the same may be amended, restated, supplemented
or otherwise modified from time to time.

      "Beneficial Interest" means the Beneficial Interest issued by the Trust
hereunder with the rights and privileges set forth in Section 10.01.

                                       1
<PAGE>

      "Beneficiary" means National City, as sole beneficial owner of the Trust,
and each Permitted Affiliate Transferee and other transferee under Section
10.02.

      "Certificate of Trust" means the Certificate of Trust in the form attached
hereto as Exhibit B which has been filed for the Trust pursuant to Section
3810(a) of the Delaware Statutory Trust Act.

      "Class" means, with respect to any Note, the Class specified in the
applicable Indenture Supplement.

      "Code" means the Internal Revenue Code of 1986, as it may be amended from
time to time.

      "Collateral Certificate" means the Class of Investor Certificates
designated as the "Asset Backed Certificates, Series 2005-CC" and issued
pursuant to the Pooling and Servicing Agreement and the Series 2005-CC
Supplement, as amended, supplemented, restated or otherwise modified from time
to time, which certificate evidences an undivided beneficial interest in the
Master Trust, the corpus of which consists primarily of receivables generated
from time to time in the ordinary course of business in a portfolio of consumer
revolving credit card accounts generated or acquired by National City and other
assets and interests constituting the Master Trust under the Pooling and
Servicing Agreement.

      "Delaware Statutory Trust Act" means the Delaware Statutory Trust Act, 12
Del.C. Sections 3801, et seq., as amended from time to time, and any successor
statute thereto.

      "Deliveries" is defined in Section 12.02.

      "Disqualification Event," with respect to the Owner Trustee means (a) the
bankruptcy, insolvency or dissolution of the Owner Trustee, (b) the occurrence
of the date of resignation of the Owner Trustee, as set forth in a notice of
resignation given pursuant to Section 8.01, or (c) the delivery to the Owner
Trustee by the Beneficiary of the instrument or instruments of removal referred
to in Section 8.01 (or, if such instruments specify a later effective date of
removal, the occurrence of such later date), or (d) the failure of the Owner
Trustee to qualify under the requirements of Section 8.03.

      "Governmental Authority" means the United States of America, any state or
other political subdivision thereof and any entity exercising executive,
legislative, judicial, regulatory or administrative functions of or pertaining
to government.

      "Indemnified Person" is defined in Section 11.02.

      "Indenture" means the Indenture dated as of August 23, 2005 between the
Trust and the Indenture Trustee, as the same may be amended, restated,
supplemented or otherwise modified from time to time, including as supplemented
by any supplements for the issuance of Series of Notes.

      "Indenture Trustee" means The Bank of New York as trustee under the
Indenture, and each successor trustee under the Indenture.

                                       2
<PAGE>

      "Issuer Authorized Officer" means (a) an authorized signatory of the Owner
Trustee, or (b) the chairman or vice-chairman of the board of directors,
chairman or vice-chairman of the executive committee of the board of directors,
the president, any vice-president, the secretary, any assistant secretary, the
treasurer, or any assistant treasurer, in each case of the Beneficiary or the
Administrator, or any other officer or employee of the Beneficiary or the
Administrator who is authorized to act on behalf of the Issuer.

      "Issuer Tax Opinion" has the meaning specified in the Indenture.

      "Master Trust" means National City Credit Card Master Trust.

      "Master Trust Tax Opinion" has the meaning specified in the Indenture.

      "Master Trust Trustee" means The Bank of New York (Delaware) as trustee
under the Pooling and Servicing Agreement and each successor trustee under the
Pooling and Servicing Agreement.

      "Note" means each "Note" designated as such in the Indenture.

      "Note Rating Agency" means each "Note Rating Agency" designated as such
pursuant to the Indenture or any supplement thereto.

      "Noteholder" means each "Noteholder" designated as such in the Indenture.

      "Outstanding Dollar Principal Amount" means, for any Series, Class, or
Tranche of Notes, the "Outstanding Dollar Principal Amount" (as such term is
defined in the Indenture) of such Series, Class or Tranche of Notes.

      "Owner Trustee" means Wilmington Trust Company, a Delaware banking
corporation, not in its individual capacity but solely in its capacity as owner
trustee hereunder, and each successor trustee under Article VIII, in its
capacity as owner trustee hereunder, and each co-trustee or separate trustee
under and to the extent provided in Section 8.04, in its capacity as owner
trustee hereunder.

      "Person" means any legal person, including any individual, corporation,
partnership (general or limited), limited liability company, joint venture,
association, joint-stock company, trust, unincorporated organization,
governmental entity or other entity of similar nature.

      "Periodic Filing" means any filing or submission that the Trust is
required to make with any federal, state or local authority or regulatory
agency.

      "Permitted Affiliate Transferee" is defined in Section 10.02.

      "Pooling and Servicing Agreement" means the Pooling and Servicing
Agreement, dated as of June 1, 1995, as amended and restated as of July 1, 2000,
between National City, as Seller and as Servicer, and The Bank of New York
(Delaware), as trustee, as amended, restated, supplemented or otherwise modified
from time to time, including as supplemented by the Series 2005-CC Supplement.

                                       3
<PAGE>

      "Requirements of Law" means, for any Person, the certificate of
incorporation or articles of association and by-laws or other organizational or
governing documents of such Person, and any law, treaty, rule or regulation, or
determination of an arbitrator or Governmental Authority, in each case
applicable to or binding upon such Person or to which such Person is subject,
whether federal, state or local (including without limitation, usury laws, the
Federal Truth in Lending Act and Regulation Z and Regulation B of the Board of
Governors of the Federal Reserve System).

      "Secretary of State" means the office of the Secretary of State of the
State of Delaware.

      "Securities Act" means the Securities Act of 1933, as amended.

      "Seller Interest" is defined in the Pooling and Servicing Agreement.

      "Series" means, with respect to any Note, the Series specified in the
applicable Indenture Supplement.

      "Series 2005-CC Supplement" means the Series 2005-CC Supplement dated as
of August 23, 2005, to the Pooling and Servicing Agreement, as amended,
restated, supplemented or otherwise modified from time to time, pursuant to
which the Collateral Certificate is being issued.

      "Tranche" means, with respect to any Note, the Tranche specified in the
applicable Indenture Supplement.

      "Transaction Documents" means the Indenture, any Indenture Supplement (as
defined in the Indenture) thereto, the Administration Agreement, the Trust
Certificate, the Certificate of Trust, this Agreement, the Notes and other
documents delivered in connection herewith and therewith.

      "Transferor" means National City Bank, a national banking association, and
its successors and assigns.

      "Trust" means the statutory trust created by the Original Trust Agreement
and the filing of the Certificate of Trust with the Secretary of State and
continued hereby.

      "Trust Certificate" is defined in Section 10.01.

      "Trust Estate" is defined in Section 2.05.

      "Trustee Bank" means Wilmington Trust Company in its individual capacity,
each bank appointed as successor Owner Trustee under Article VIII in its
individual capacity and each bank appointed as co-trustee or separate trustee
under and to the extent provided in Section 8.04 in its individual capacity.

      "UCC" means the Uniform Commercial Code as in effect in the State of
Delaware and any other applicable jurisdiction.

                                       4
<PAGE>

            Section 1.02. Generic Terms. (a) The terms "hereby," "hereof,"
"hereto," "herein," "hereunder" and any similar terms will refer to this
Agreement.

            (b) Unless otherwise indicated in context, the terms "Section,"
"Exhibit" or "Schedule" will refer to a Section of, or an Exhibit or Schedule
to, this Agreement.

            (c) Words of the masculine, feminine or neuter gender mean and
include the correlative words of other genders, and words importing the singular
number mean and include the plural number and vice versa.

            (d) The terms "include," "including" and similar terms will be
construed as if followed by the phrase "without limitation."

            (e) All terms defined in this Agreement will have the defined
meanings when used in any certificate or other document made or delivered
pursuant hereto or in connection herewith unless otherwise defined therein.

            (f) Any agreement, instrument or statute defined or referred to
herein or in any certificate or other document made or delivered pursuant hereto
or in connection herewith means such agreement, instrument or statute as from
time to time amended, modified or supplemented and includes (in the case of
agreements or instruments) references to all attachments thereto and instruments
incorporated therein; references to a Person are also to its permitted
successors and assigns.

                                   ARTICLE II

                                  ORGANIZATION;
                   DECLARATION OF TRUST BY THE OWNER TRUSTEE;
                             COLLATERAL CERTIFICATE

            Section 2.01.Continuation of Trust; Name. The Original Trust
Agreement is hereby amended and restated in its entirety. The Trust heretofore
created and continued hereby is named "National City Credit Card Master Note
Trust," under which name the Owner Trustee may conduct any activities and
business of the Trust contemplated hereby, execute contracts and other
instruments on behalf of the Trust and sue and be sued on behalf of the Trust.

            Section 2.02.Transfer of Property to Trust; Initial Capital
Contribution of Trust Estate. The Beneficiary has sold, assigned, granted and
transferred, over to the Owner Trustee, on behalf of the Trust, as of the date
of the Original Trust Agreement, $1.00. The Owner Trustee hereby acknowledges
receipt in trust from the Beneficiary, as of the date of the Original Trust
Agreement, of the foregoing contribution, which constituted the initial Trust
Estate.

            Section 2.03.Purposes and Powers; Trust To Operate as a Single
Purpose Entity. (a) The purpose of the Trust is to engage solely in a program of
acquiring interests in the Master Trust and issuing Notes in one or more series
pursuant to the Indenture and related activities. Without limiting the
generality of the foregoing, the Trust may and shall have the power and
authority to:

                                       5
<PAGE>

            (i) acquire the Collateral Certificate, and other certificates of
beneficial interest, of the Master Trust;

            (ii) from time to time, grant a security interest in the Collateral
Certificate, or other beneficial interests in the Master Trust, including the
pledge of any portion of the Invested Amount of the Collateral Certificate, and
grant a security interest in accounts established for the benefit of
indebtedness of the Trust under the Indenture;

            (iii) from time to time authorize and approve the issuance of, and
issue, Notes pursuant to the Indenture without limitation as to aggregate
amounts and, in connection therewith, determine the terms and provisions of such
Notes and of the issuance and sale thereof, including the following:

                  (A) determining the principal amount of the Notes;

                  (B) determining the maturity date of the Notes;

                  (C) determining the rate of interest, if any, to be paid on
      the Notes;

                  (D) determining the price or prices at which such Notes will
      be sold by the Trust;

                  (E) determining the provisions, if any, for the redemption of
      such Notes;

                  (F) determining the form, terms and provisions of the
      indentures, fiscal agency agreements or other instruments under which the
      Notes may be issued and the banks or trust companies to act as trustees,
      fiscal agents and paying agents thereunder;

                  (G) preparing and filing all documents necessary or
      appropriate in connection with the registration of the Notes under the
      Securities Act of 1933, as amended, the qualification of indentures under
      the Trust Indenture Act of 1939, as amended, and the qualification under
      any other applicable federal, foreign, state, local or other governmental
      requirements;

                  (H) preparing any prospectus, offering memorandum, private
      placement memorandum or other descriptive material relating to the
      offering or issuance of the Notes;

                  (I) listing the Notes on any United States or non-United
      States securities exchange;

                  (J) entering into one or more interest rate, basis or currency
      swaps, caps, collars, guaranteed investment contracts or other derivative
      agreements with counterparties to manage interest rate, basis or currency
      risk relating to the Notes;

                  (K) appointing a paying agent or agents for purposes of
      payments on the Notes; and

                                       6
<PAGE>

                  (L) arranging for the underwriting, subscription, purchase or
      placement of the Notes and selecting underwriters, managers and purchasers
      or agents for that purpose;

            (iv) from time to time receive payments and proceeds with respect to
the Collateral Certificate and other certificates of beneficial interest in the
Master Trust and the Indenture and either invest or distribute those payments
and proceeds;

            (v) from time to time make deposits to and withdrawals from accounts
established under the Indenture;

            (vi) from time to time make and receive payments pursuant to
derivative agreements, supplemental credit enhancement agreements and
supplemental liquidity agreements;

            (vii) from time to time make payments on the Notes;

            (viii) from time to time acquire additional collateral from National
City or any special purpose vehicle established by National City or an Affiliate
of National City;

            (ix) from time to time perform such obligations and exercise and
enforce such rights and pursue such remedies as may be appropriate by virtue of
the Trust being party to any of the agreements contemplated in clauses (i)
through (viii) above;

            (x) execute, deliver and perform its obligations under the
Transaction Documents to which it is a party and all other documents,
certificates and agreements necessary or incidental in connection therewith
(including, without limitation, the documents listed in Section 2.03(b));

            (xi) issue the Trust Certificate to the Beneficiary in accordance
with Section 10.01; and

            (xii) subject to compliance with the Transaction Documents, to
engage in such other activities as may be required or convenient in connection
with conservation of the Trust Estate and the making of payments to the
Noteholders and distributions to the Transferor, which activities shall not be
contrary to the status of the Trust as a qualified special purpose entity.

In connection with any of the foregoing, the Trust may (x) execute and deliver,
and/or accept, such instruments, agreements, certificates, UCC financing
statements and other documents, and create such security interests, as may be
necessary or desirable in connection therewith, and (y) subject to the terms of
this Agreement, take such other action as may be necessary or incidental to the
foregoing.

            (b) Notwithstanding any other provision of this Agreement, the Owner
Trustee and the Administrator, on behalf of the Trust, are hereby authorized and
shall have the power to execute and deliver from time to time loan agreements,
underwriting agreements, terms agreements, selling agent agreements, purchase
agreements, private placement agreements, swap and other derivative agreements,
including performance agreements, indentures, indenture

                                       7
<PAGE>

supplements, terms documents, notes, security agreements, and other agreements
and instruments as are consistent with the purposes of the Trust. Without
limiting the generality of the foregoing, the Trust and the Owner Trustee, on
behalf of the Trust, are specifically authorized to execute and deliver without
any further act, vote or approval, and notwithstanding any other provision of
this Agreement, the Delaware Statutory Trust Act or other applicable law, rule
or regulation, agreements, documents or securities relating to the purposes of
the Trust including:

            (i) the Transaction Documents and each Issuer Certificate;

            (ii) the Notes;

            (iii) each interest rate, basis or currency swap, cap, collar,
guaranteed investment contract or other derivative agreement, including
agreements related thereto, between the Trust and a counterparty to manage
interest rate, basis or currency risk relating to the Notes;

            (iv) the Trust Certificate;

            (v) any documents relating to listing the Notes on any securities
exchange; and

            (vi) any other document necessary or desirable in connection with
the fulfillment of the purposes of the Trust described in, and pursuant to,
Section 2.03(a).

The authorization set forth in the preceding sentence will not be deemed a
restriction on the power and authority of the Administrator and the Owner
Trustee to execute and deliver other agreements, documents, instruments and
securities on behalf of the Trust or to take other actions on behalf of the
Trust in connection with the fulfillment of the purposes of the Trust described
in, and pursuant to, Section 2.03(a).

            (c) The Trust is hereby authorized and shall have the power to
execute and file any Periodic Filings.

            (d) Either the Owner Trustee or the Administrator will at all times
maintain the books, records and accounts of the Trust separate and apart from
those of any other Person, and will cause the Trust to hold itself out as being
a Person separate and apart from any other Person.

            (e) The Trust will not engage in any business or own any assets
unrelated to the purposes of the Trust, which activities shall not be contrary
to the status of the Trust as a qualified special purpose entity.

            Section 2.04. Appointment of Owner Trustee. The Beneficiary hereby
appoints Wilmington Trust Company as Owner Trustee of the Trust effective as of
the date of the Original Trust Agreement, to have all the rights, powers and
duties set forth herein and in the Delaware Statutory Trust Act.

                                       8
<PAGE>

            Section 2.05. Declaration of Trust. The Owner Trustee hereby
declares that it will hold the documents and assets described in Sections 2.02,
2.03 and 2.11, together with any payments, proceeds or income of any kind from
such documents or assets or any other source and any other property transferred,
assigned, set over, pledged or otherwise conveyed to, and held by, the Trust
pursuant to the Original Trust Agreement, this Agreement, the Indenture or any
supplement to the Indenture (collectively, the "Trust Estate"), upon the trust
set forth herein and for the sole use and benefit of the Beneficiary. It is the
intention of the parties hereto that the Trust constitute a statutory trust
under the Delaware Statutory Trust Act and that this Agreement constitute the
governing instrument of such statutory trust. The parties hereto agree that they
will take no action contrary to the foregoing intention. Effective as of the
date hereof, the Owner Trustee shall have all rights, powers and duties set
forth herein and, to the extent not inconsistent herewith, in the Delaware
Statutory Trust Act with respect to accomplishing the purposes of the Trust.

            Section 2.06. Title to Trust Estate. Legal title to all of the Trust
Estate will be vested at all times in the Trust as a separate legal entity until
this Agreement terminates pursuant to Article VII; provided, however, that if
the laws of any jurisdiction require that title to any part of the Trust Estate
be vested in the trustees of a trust, then title to that part of the Trust
Estate will be deemed to be vested in the Owner Trustee or any co-trustee or
separate trustee, as the case may be, appointed pursuant to Article VIII.

            Section 2.07. Nature of Interest in the Trust Estate. The
Beneficiary will not have any legal title to or right to possession of any part
of the Trust Estate. The Beneficiary, as beneficial owner of the Trust, has no
interest in specific property of the Trust.

            Section 2.08. Continuation of Trust; Principal Office of Owner
Trustee. The Owner Trustee has filed the Certificate of Trust with the Secretary
of State and will maintain the Owner Trustee's principal office in the State of
Delaware. However, nothing herein shall restrict or prohibit the Owner Trustee
from having employees within or without the State of Delaware. Payments will be
received by the Trust only in Delaware or New York, and payments will be made by
the Trust only from Delaware or New York. The Trust will be located in the State
of Delaware and subject to its laws, including, without limitation, the
Asset-Backed Securities Facilitation Act of the State of Delaware, 6 Del. C.
Section 2701A et seq. The Trust will be administered in the State of Delaware
and subject to its laws, including, without limitation, the Asset-Backed
Securities Facilitation Act of the State of Delaware, 6 Del. C. Section 2701A et
seq.

            Section 2.09. Tax Matters. The parties hereto intend that, for
income and franchise tax purposes, the Trust will be treated as a security
device and disregarded as an entity and its assets shall be treated as owned in
whole by the Beneficiary, and the parties hereto will file all their tax returns
in a manner consistent with that intent unless otherwise required by a taxing
authority. Except as otherwise expressly provided herein, any tax elections
required or permitted to be made by the Trust under the Code or otherwise will
be made by the Beneficiary. The Trust will not elect to be treated as a
corporation for any tax purpose.

            Section 2.10. Fiscal Year. The fiscal year of the Trust will end on
the last day of December of each year.

                                       9
<PAGE>

            Section 2.11. Transfer of Collateral Certificate.

            (a) In consideration of the Trust's delivery to or upon the order of
the Transferor of the Trust Certificate and the net proceeds of the initial sale
of Notes, the Transferor does hereby transfer, assign, set over, contribute and
otherwise convey to the Trust, without recourse (subject to the obligations
herein), all right, title and interest of the Transferor in and to the
Collateral Certificate and the proceeds thereof. The parties to this Agreement
intend that the conveyance of the Collateral Certificate and the proceeds
thereof pursuant to this Agreement constitute a sale, and not a pledge to secure
a borrowing, for accounting purposes. Nevertheless, if, and to the extent that,
notwithstanding such intent, the transfer is not deemed to be a sale, this
Agreement also shall be deemed to be and hereby is a security agreement within
the meaning of the UCC, and the conveyance by the Transferor provided for in
this Agreement shall be deemed to be and hereby is a grant by the Transferor to
the Trust of a security interest in and to all of the Transferor's right, title
and interest, whether now owned or hereafter acquired, in, to and under the
Collateral Certificate, all accounts, general intangibles, chattel paper,
instruments, documents, money, deposit accounts, certificates of deposit, goods,
letters of credit, letter-of-credit rights, advices of credit and investment
property consisting of, arising from, or relating to the Collateral Certificate,
and the proceeds thereof, to secure the obligations of the Transferor hereunder.
The Transferor and the Trust shall, to the extent consistent with this
Agreement, take such actions as may be necessary to ensure that the security
interest in the Collateral Certificate created hereunder will be a perfected
security interest of first priority under applicable law and will be maintained
as such throughout the term of this Agreement.

            (b) To the extent that the Transferor retains any interest in the
Collateral Certificate, the Transferor hereby grants to the Indenture Trustee
for the benefit of the holders of the Notes a security interest in and to all of
the Transferor's right, title, and interest, whether now owned or hereafter
acquired, in, to, and under the Collateral Certificate, all accounts, general
intangibles, chattel paper, instruments, documents, money, deposit accounts,
certificates of deposit, goods, letters of credit, letter-of-credit rights,
advices of credit, and investment property consisting of, arising from, or
relating to the Collateral Certificate, and the proceeds thereof (collectively,
the "Indenture Collateral"), to secure performance of all of the obligations of
the Transferor hereunder. With respect to the grant made to the Indenture
Trustee pursuant to this subsection, the Indenture Trustee shall have all of the
rights it has under the Transaction Documents. The Indenture Trustee shall have
all of the rights of a secured creditor under the UCC.

            Section 2.12. Closing. The transfer, assignment, set-over, pledge
and conveyance of the Collateral Certificate and the initial issuance of Notes
shall take place at the offices of Orrick, Herrington & Sutcliffe LLP, 666 Fifth
Avenue, New York, New York 10103 on the Closing Date (as defined in the Series
2005-CC Supplement), simultaneously with the closing of the transactions
contemplated by the Pooling and Servicing Agreement, the Series 2005-CC
Supplement, the Indenture, the Series 2005-1 Indenture Supplement dated as of
August 23, 2005, the Certificate of Trust, the Trust Certificate, the Notes and
this Agreement.

            Section 2.13. Books and Records. In connection with the transfer,
assignment, set-over, pledge and conveyance set forth in Section 2.11, the
Collateral Certificate shall be registered in the name of the Trust and shall be
delivered to the Trust in the State of Delaware.

                                       10
<PAGE>

In addition, the Transferor agrees to record and file, at its own expense, any
financing statements (and continuation statements with respect to such financing
statements when applicable) required to be filed with respect to the Collateral
Certificate assigned by the Transferor hereunder, meeting the requirements of
applicable law in such manner and in such jurisdictions as are necessary under
the applicable UCC to perfect the transfer, assignment, set-over, pledge and
conveyance of the Collateral Certificate to the Trust, and to deliver a
file-stamped copy of such financing statements or other evidence of such filings
to the Trust on or prior to the Closing Date (excluding such continuation and
similar statements, which shall be delivered promptly after filing). Pursuant to
the Indenture, the Trust may subsequently transfer, assign, set-over, pledge or
convey the Collateral Certificate and the Trust Estate to the Indenture Trustee,
and cause the Collateral Certificate to be registered in the name of the
Indenture Trustee.

            Section 2.14. Series 2005-CC Certificateholder. The Indenture
Trustee shall be the Series 2005-CC Certificateholder for all purposes under the
Pooling and Servicing Agreement and the Series 2005-CC Supplement. To the extent
the Collateral Certificate is sold or otherwise transferred to a third-party in
connection with the sale or liquidation of the Trust Estate pursuant to the
provisions of the Indenture, such transferee shall be the Series 2005-CC
Certificateholder for all purposes under the Pooling and Servicing Agreement.

            Section 2.15. Representations and Warranties of the Transferor. The
Transferor makes the following representations and warranties as to the
Collateral Certificate on which the Trust is deemed to have relied in acquiring
the Collateral Certificate. Such representations and warranties speak as of the
execution and delivery of this Agreement and as of each Transfer Date, but shall
survive the transfer and assignment of the Collateral Certificate to the Trust
and the pledge thereof to the Indenture Trustee pursuant to the Indenture.

            (a) Title. The transfer and assignment herein contemplated
constitute either (i) a sale of the Collateral Certificate from the Transferor
to the Trust, (ii) a grant of a perfected security interest therein from the
Transferor to the Trust or (iii) a grant of a perfected security interest
therein from the Transferor to the Indenture Trustee. The Collateral Certificate
has not been sold, transferred, assigned or pledged by the Transferor to any
Person other than pursuant to this Agreement or the Indenture. Immediately prior
to the transfer and assignment herein contemplated, the Transferor had title to
the Collateral Certificate, free and clear of all liens and rights of others
and, immediately upon the transfer thereof, the Trust shall have title to the
Collateral Certificate, free and clear of all liens and rights of others or a
first priority perfected security interest therein; and the transfer has been
perfected, by the filing of appropriate financing statements and the taking of
such other action pursuant to the UCC, under the UCC. The Transferor has no
knowledge of any current statutory or other non-consensual liens to which the
Collateral Certificate is subject.

            (b) All Actions Taken. All actions necessary under the applicable
UCC in any jurisdiction to be taken (i) to give the Trust a first priority
perfected security interest or ownership interest in the Collateral Certificate,
and (ii) to give the Indenture Trustee a first priority perfected security
interest in the Collateral Certificate (including, without limitation, UCC
filings with the Delaware Secretary of State), in each case subject to any
statutory or other non-consensual liens with respect to the Collateral
Certificate, have been taken.

                                       11
<PAGE>

            (c) No Consents Required. All approvals, authorizations, consents,
orders or other actions of any Person or of any Governmental Authority required
in connection with the execution and delivery by the Transferor of this
Agreement or any other Transaction Document, the performance by the Transferor
of the transactions contemplated by this Agreement or any other Transaction
Document and the fulfillment by the Transferor of the terms hereof or thereof,
have been obtained or have been completed and are in full force and effect
(other than approvals, authorizations, consents, orders and other actions which
if not obtained or completed or in full force or effect would not have a
material adverse effect on the Transferor or the Trust or upon the
collectibility of the Collateral Certificate or upon the ability of the
Transferor to perform its obligations under this Agreement).

            (d) Transfers Comply. Each of (i) the transfer of the Collateral
Certificate by the Transferor to the Trust pursuant to the terms of this
Agreement, (ii) the pledge of the Collateral Certificate by the Trust to the
Indenture Trustee pursuant to the terms of the Indenture and (iii) the pledge of
the Collateral Certificate by the Transferor to the Indenture Trustee pursuant
to the terms of this Agreement, comply with the provisions of the Pooling and
Servicing Agreement relating to transfers of the Collateral Certificate.

            Section 2.16. Protection of Title to Collateral Certificate.

            (a) The Transferor shall take all actions necessary, and the Trust
shall cooperate with the Transferor, if applicable, to perfect, and maintain
perfection of, the interests of the Trust in the Collateral Certificate. The
Transferor shall authorize and file and cause to be authorized and filed such
financing statements and continuation statements, all in such manner and in such
places as may be required by law fully to perfect, maintain, and protect the
interest of the Trust in the Collateral Certificate and in the proceeds thereof
and the interest of the Indenture Trustee in the Collateral Certificate and the
proceeds thereof. The Transferor shall deliver (or cause to be delivered) to the
Owner Trustee and the Indenture Trustee file-stamped copies of, or filing
receipts for, any document filed as provided above, as soon as available
following such filing.

            (b) The Transferor shall not change its name, identity or corporate
structure in any manner that would, could or might make any financing statement
or continuation statement filed in accordance with paragraph (a) above or
otherwise seriously misleading within the meaning of the UCC (regardless of
whether such a filing was ever made), unless it shall have given the Owner
Trustee and the Indenture Trustee at least five days' prior written notice
thereof and, if applicable, shall have timely filed appropriate amendments to
any and all previously filed financing statements (so that the interest of the
Trust or the Indenture Trustee is not adversely affected).

            (c) The Transferor shall give the Owner Trustee and the Indenture
Trustee at least 60 days' prior written notice of any relocation of its chief
executive office, place of business or State of location, and of any change in
the jurisdiction of its organization, if, as a result of such relocation or
change, the applicable provisions of the UCC would require the filing of any
amendment of any previously filed financing statement or of any new financing
statement (regardless of whether such a filing was ever made) and shall
promptly, if applicable, file any such amendment.

                                       12
<PAGE>

            (d) The Owner Trustee shall permit the Indenture Trustee and its
agents at any time following reasonable notice and during normal business hours
to inspect, audit and make copies of and abstracts from the Owner Trustee's
records regarding the Collateral Certificate.

            Section 2.17. Assignment to the Indenture Trustee. The Transferor
hereby acknowledges and consents to any pledge, assignment and grant of a
security interest by the Trust to the Indenture Trustee pursuant to the
Indenture for the benefit of the Noteholders of all right, title and interest of
the Trust in, to and under the Collateral Certificate and the other property
described in the Granting Clause of the Indenture or the assignment of any or
all of the Trust's rights and obligations hereunder to the Indenture Trustee.

            Section 2.18. Merger or Consolidation of, or Assumption of the
Obligations of, Transferor. Any Person (a) into which the Transferor may be
merged or consolidated, (b) which may result from any merger or consolidation to
which the Transferor shall be a party or (c) which may succeed to the properties
and assets of the Transferor substantially as a whole, which Person in any of
the foregoing cases executes an agreement of assumption to perform the
obligations of the Transferor under this Agreement, shall be the successor to
the Transferor hereunder without the execution or filing of any other document
or any further act by any of the parties to this Agreement; provided, however,
that (i) the Transferor shall have delivered to the Owner Trustee and the
Indenture Trustee an Officers' Certificate (as defined in the Indenture) and an
Opinion of Counsel (as defined in the Indenture) each stating that such
consolidation, merger or succession and such agreement of assumption comply with
this Section 2.18 and that all conditions precedent provided for in this
Agreement relating to such transaction have been complied with, (ii) written
confirmation from each Note Rating Agency (as defined in the Indenture) that
such transaction will not result in such Note Rating Agency reducing or
withdrawing its then existing rating of any Notes, (iii) the Transferor shall
have delivered to the Owner Trustee and the Indenture Trustee an Opinion of
Counsel either (A) stating that, in the opinion of such counsel, all actions
necessary to perfect the interests of the Trust and the Indenture Trustee in the
Collateral Certificate have been taken, including that all financing statements
and continuation statements and amendments thereto have been executed and filed
that are necessary fully to preserve and protect the interest of the Trust and
the Indenture Trustee, respectively, in the Collateral Certificate and reciting
the details of such filings, or (B) stating that, in the opinion of such
counsel, no such action shall be necessary to preserve and protect such
interests and (iv) the Transferor shall have delivered to the Owner Trustee and
the Indenture Trustee a Master Trust Tax Opinion and an Issuer Tax Opinion (each
as defined in the Indenture). Following the effectiveness of the succession
provided for in this Section 2.18, the predecessor Transferor shall be released
from any obligations and liabilities provided for under the Transaction
Documents other than any obligations or liabilities incurred by such predecessor
Transferor prior to the effectiveness of such succession.

            Section 2.19. Limitation on Liability of Transferor and Others. The
Transferor and any director or officer or employee or agent of the Transferor
may rely in good faith on the advice of counsel or on any document of any kind,
prima facie properly executed and submitted by any Person respecting any matters
arising hereunder. The Transferor, in its capacity as such, shall not be under
any obligation to appear in, prosecute or defend any legal action that shall not
be incidental to its obligations under this Agreement, and that in its opinion
may involve it in any expense or liability. The Beneficiary shall be entitled to
the same limitation of personal liability

                                       13
<PAGE>

extended to stockholders of private corporations for profit organized under the
General Corporation Law of the State of Delaware, 8 Del. C. Sections 101 et seq.

                                  ARTICLE III

                               REPRESENTATIONS AND
                          WARRANTIES OF THE BENEFICIARY

            Section 3.01. Representations and Warranties of the Beneficiary. The
Beneficiary hereby represents and warrants to the Owner Trustee as of the date
of this Agreement and as of the date of each increase in the Invested Amount of
the Collateral Certificate that:

            (a) The Beneficiary is a national banking association duly
organized, validly existing and in good standing under the laws of the United
States and has full corporate power, authority and legal right to own its
properties and conduct its credit card business as such properties are presently
owned and such business is presently conducted, and to execute, deliver and
perform its obligations under this Agreement.

            (b) The Beneficiary is duly qualified to do business and is in good
standing (or is exempt from such requirement) in any state required in order to
conduct its business, and has obtained all necessary licenses and approvals with
respect to the Beneficiary, in each jurisdiction in which failure to so qualify
or to obtain such licenses or approvals would have an Adverse Effect; provided,
however, that no representation or warranty is made with respect to any
qualifications, licenses or approvals which the Owner Trustee or the Indenture
Trustee has or may be required at any time to obtain, if any, in connection with
the transactions contemplated hereby or by any other Transaction Document to
which the Owner Trustee or the Indenture Trustee, as the case may be, is a
party.

            (c) The execution and delivery by the Beneficiary of this Agreement
and the consummation by the Beneficiary of the transactions provided for in this
Agreement and in the other Transaction Documents to which the Beneficiary is a
party have been duly authorized by the Beneficiary by all necessary corporate
action on its part and each of this Agreement and the other Transaction
Documents to which the Beneficiary is a party will remain, from the time of its
execution, an official record of the Beneficiary; the Beneficiary has the power
and authority to assign, grant and transfer the property to be assigned, granted
and transferred to and deposited with the Trust by the Beneficiary.

            (d) The execution and delivery by the Beneficiary of this Agreement,
the performance by the Beneficiary of the transactions contemplated by this
Agreement and the fulfillment by the Beneficiary of the terms hereof will not
conflict with, result in any breach of any of the material terms and provisions
of, or constitute (with or without notice or lapse of time or both) a material
default under, any indenture, contract, agreement, mortgage, deed of trust, or
other instrument to which the Beneficiary is a party or by which it or any of
its properties are bound (other than violations of such indentures, contracts,
agreements, mortgages, deeds of trust or other instruments which, individually
or in the aggregate, would not have a material adverse effect on the
Beneficiary's ability to perform its obligations under this Agreement).

                                       14
<PAGE>

            (e) The execution and delivery by the Beneficiary of this Agreement,
the performance by the Beneficiary of the transactions contemplated by this
Agreement and the fulfillment by the Beneficiary of the terms hereof will not
conflict with or violate any Requirements of Law applicable to the Beneficiary.

            (f) There are no proceedings or investigations pending or, to the
best of its knowledge, threatened against the Beneficiary before any court,
regulatory body, administrative agency, or other tribunal or governmental
instrumentality having jurisdiction over the Beneficiary or its properties (i)
asserting the invalidity of this Agreement or any of the other Transaction
Documents, (ii) seeking to prevent the consummation of any of the transactions
contemplated by this Agreement or any of the other Transaction Documents, (iii)
seeking any determination or ruling that, in the reasonable judgment of the
Beneficiary, would materially and adversely affect the performance by the
Beneficiary of its obligations under this Agreement or the other Transaction
Documents, or (iv) seeking any determination or ruling that would materially and
adversely affect the validity or enforceability of this Agreement or the other
Transaction Documents.

                                   ARTICLE IV

                             DISTRIBUTIONS OF FUNDS

            Section 4.01. Distribution of Funds. All funds received by the Trust
to the extent not encumbered by the Indenture and otherwise available for
distribution (or if encumbered by the Indenture, which have been released by the
relevant parties benefiting from such encumbrance) will be distributed to the
Beneficiary.

            Section 4.02. Payments from Trust Estate Only. All payments to be
made by the Trust under this Agreement will be made only from the income and the
capital proceeds derived from the Trust Estate and only to the extent that the
Trust will have received income or capital proceeds from the Trust Estate. The
Beneficiary agrees that it will look solely to the income and capital proceeds
derived from the Trust Estate (to the extent available for payment as herein
provided) and that, except as specifically provided herein, the Owner Trustee
will not be subject to any liability in its individual capacity under this
Agreement to the Beneficiary or to any other Person.

            Section 4.03. Method of Payment. All amounts payable to the
Beneficiary pursuant to this Agreement will be paid by the Owner Trustee on
behalf of the Trust to the Beneficiary or a nominee therefor in such manner as
the Beneficiary may from time to time designate in written instructions to the
Owner Trustee. All funds received by the Owner Trustee on behalf of the Trust
not later than 2:00 p.m. (New York City time) on a Business Day will be applied
by the Owner Trustee on that Business Day. Funds received after that time will
be applied on the next following Business Day.

                                    ARTICLE V

                           DUTIES OF THE OWNER TRUSTEE

                                       15
<PAGE>

            Section 5.01. Action Upon Instructions. (a) It is the intention of
the Beneficiary that the powers and duties of the Owner Trustee are to be purely
ministerial only. Accordingly, subject to Section 5.01(b) and 5.01(c), the
Beneficiary will direct the Owner Trustee in the management of the Trust and the
Trust Estate. Such direction shall be exercised at any time only by written
instruction of the Beneficiary delivered to the Owner Trustee pursuant to this
Article V. Notwithstanding any other provision of this Agreement, the Owner
Trustee shall not take any action including but not limited to the execution of
any documents, certificates or other instruments (other than the Transaction
Documents, any documents, certificates or other instruments attached thereto or
contemplated thereby, and any other document listed in Section 2.03(b)), unless
it receives written instructions from the Beneficiary.

            (b) The Owner Trustee will take such action or actions as may be
specified in any instructions delivered in accordance with Section 5.01(a);
provided, however, that the Owner Trustee will not be required to take any such
action if the Trustee Bank will have been advised by counsel that such action
(i) is contrary to the terms hereof or of any document contemplated hereby to
which the Trust or the Owner Trustee is a party or is otherwise contrary to law,
or (ii) is reasonably likely to result in liability on the part of the Trustee
Bank, unless the Trustee Bank will have received additional indemnification or
security satisfactory to the Trustee Bank from the Beneficiary against all
costs, expenses and liabilities arising from the Owner Trustee's taking such
action.

            (c) The Beneficiary will not direct the Owner Trustee to take or
refrain from taking any action contrary to this Agreement, nor will the Owner
Trustee be obligated to follow any such direction.

            (d) In the event that the Owner Trustee is unsure as to the
application of any provision of this Agreement or any other Transaction
Document, or such provision is ambiguous as to its application, or is, or
appears to be, in conflict with any other applicable provision, or this
Agreement permits any determination by the Owner Trustee or is silent or is
incomplete as to the course of action to be adopted, the Owner Trustee will
promptly give notice to the Beneficiary requesting written instructions as to
the course of action to be adopted and, to the extent the Owner Trustee acts in
good faith in accordance with such written instructions received from the
Beneficiary, the Owner Trustee shall not be liable on account of such action to
any Person. If the Owner Trustee will not have received appropriate written
instructions within 30 days of such notice (or within such shorter period of
time as reasonably may be specified in such notice) it may, but shall be under
no duty to, take or refrain from taking such action, not inconsistent with this
Agreement, as it deems to be in the best interests of the Beneficiary, and will
have no liability to any Person for such action or inaction.

            (e) The Owner Trustee will, subject to this Section 5.01, act in
accordance with the instructions given to it by the Beneficiary pursuant to
Section 5.01(a), and to the extent the Owner Trustee acts in good faith in
accordance with such instructions, the Owner Trustee will not be liable on
account of such action to any Person.

            Section 5.02. No Duty to Act Under Certain Circumstances.
Notwithstanding anything contained herein to the contrary, neither the Trustee
Bank nor the Owner Trustee, except a Trustee Bank authorized as co-trustee or
separate trustee, will be required to take any

                                       16
<PAGE>

action in any jurisdiction other than in the State of Delaware if the taking of
such action would (i) require the consent or approval or authorization or order
of or the giving of notice to, or the registration with or taking of any action
in respect of, any state or other governmental authority or agency of any
jurisdiction other than the State of Delaware; (ii) result in any fee, tax or
governmental charge under the laws of any jurisdiction or any political
subdivisions thereof in existence on the date hereof other than the State of
Delaware becoming payable by the Trustee Bank; or (iii) subject the Trustee Bank
to personal jurisdiction in any jurisdiction other than the State of Delaware
for causes of action arising from acts unrelated to the consummation of the
transactions by the Trustee Bank or the Owner Trustee, as the case may be,
contemplated hereby. The Owner Trustee shall be entitled to obtain advice of
counsel (which advice shall be at the expense of the Beneficiary) to determine
whether any action required to be taken pursuant to this Agreement results in
the consequences described in clauses (i), (ii) or (iii) of the preceding
sentence. In the event that said counsel advises the Owner Trustee that such
action will result in such consequences, the Owner Trustee may, or if instructed
to do so by the Beneficiary, shall, appoint a co-trustee or separate trustee
pursuant to Section 8.04 hereby to proceed with such action.

            Section 5.03. No Duties Except Under Specified Agreements or
Instructions.

            (a) The Owner Trustee will not have any duty or obligation to
manage, control, use, make any payment in respect of, register, record, insure,
inspect, sell, dispose of, create, maintain or perfect any security interest or
title in or otherwise deal with any part of the Trust Estate, prepare, file or
record any document or report (including any tax related filing for any holder
of Notes), or to otherwise take or refrain from taking any action under, or in
connection with, this Agreement, the Trust or any document contemplated hereby
to which the Trust or the Owner Trustee is a party, except as expressly provided
by the terms of this Agreement or in written instructions from the Beneficiary
received pursuant to Section 5.01; and no implied duties or obligations will be
read into this Agreement against the Owner Trustee. Unless otherwise directed by
the Beneficiary in accordance with Section 5.01(a), the Owner Trustee shall have
no obligation or duty to take any action the Trust is authorized and empowered
to take pursuant to Section 2.03(a). The Owner Trustee nevertheless agrees that
it will, in its individual capacity and at its own cost and expense, promptly
take all action as may be necessary to discharge any lien, pledge, security
interest or other encumbrance on any part of the Trust Estate which results from
actions by or claims against the Trustee Bank not related to the ownership of
any part of the Trust Estate.

            (b) The Owner Trustee agrees that it will not manage, control, use,
lease, sell, dispose of or otherwise deal with any part of the Trust Estate
except (i) in accordance with the powers granted to, or the authority conferred
upon, the Owner Trustee pursuant to this Agreement, or (ii) in accordance with
the express terms hereof or with written instructions from the Beneficiary
pursuant to Section 5.01. Unless otherwise directed by the Beneficiary in
accordance with Section 5.01(a), the Owner Trustee shall not be required to
perform any obligations or duties of the Trust under the Indenture, which duties
and obligations shall be the sole responsibility of the Beneficiary.

            Section 5.04. Trust Operation. The operations of the Trust will be
conducted in accordance with the following standards:

                                       17
<PAGE>

            (a) the Trust will act solely in its own name through the Owner
Trustee or the Administrator, on its behalf, in accordance with the
Administration Agreement;

            (b) the Trust will not incur any indebtedness for money borrowed or
incur any obligations except in connection with the purposes set forth in
Section 2.03 of this Agreement;

            (c) the Trust's funds and assets will at all times be maintained
separately from those of the Beneficiary and its affiliates;

            (d) the Trust will take all reasonable steps to continue its
identity as a separate legal entity and to make it apparent to third persons
that it is an entity with assets and liabilities distinct from those of the
Beneficiary, the Beneficiary's affiliates or any other third person, and will
use stationery and other business forms of the Owner Trustee or the Trust and
not that of the Beneficiary or any of its affiliates, and will pay the salaries
of its employees, if any, and the costs of its overhead, if any, and will use
its best efforts to avoid the appearance (i) of conducting business on behalf of
the Beneficiary or any affiliates thereof, or (ii) that the assets of the Trust
are available to pay the creditors of the Beneficiary or any affiliates thereof;

            (e) the Trust will not hold itself out as being liable for the debts
of the Beneficiary or any affiliates thereof;

            (f) the Trust will not engage in any transaction with the
Beneficiary or any affiliates thereof, except as required, or specifically
permitted, by this Agreement or unless such transaction is otherwise on terms
substantially the same as those that would apply to comparable transactions with
other Persons; and

            (g) to the fullest extent permitted by applicable law, the Trust
will not enter into any voluntary bankruptcy or insolvency proceeding without a
finding by the Owner Trustee that the Trust's liabilities exceed its assets or
that the Trust is unable to pay its debts in a timely manner as they become due.

            Section 5.05. Execution of Documents. The Owner Trustee will, at the
written direction of the Beneficiary, execute and deliver on behalf of the Trust
such instruments, agreements and certificates contemplated hereby to which the
Trust is a party (such direction to be conclusively evidenced by the Owner
Trustee's execution and delivery of such documents to, and acceptance by, the
Beneficiary or its counsel). The Beneficiary hereby instructs the Owner Trustee
to execute, on behalf of the Trust, the Transaction Documents to which the Trust
is a party and any documents, certificates or other instruments attached thereto
or contemplated thereby, and any other document listed in Section 2.03(b).

            Notwithstanding anything contained herein to the contrary, neither
the Owner Trustee nor any agent, employee, director or officer of the Owner
Trustee shall have any obligation to execute any certificates or other documents
required pursuant to the Sarbanes-Oxley Act of 2002 or the rules and regulations
promulgated thereunder, and the refusal to comply with any such instructions
shall not constitute a default or breach under any Transaction Document, or
otherwise.

                                       18
<PAGE>

                                   ARTICLE VI

                           CONCERNING THE TRUSTEE BANK

            Section 6.01. Acceptance of Trust and Duties. The Trustee Bank
accepts the trust hereby created and agrees to perform the same but only upon
the terms of this Agreement. The Trustee Bank also agrees to disburse all moneys
actually received by it constituting part of the Trust Estate in accordance with
the terms of this Agreement. The Trustee Bank will not be answerable or
accountable under any circumstances in its individual capacity, except (i) for
its own willful misconduct, bad faith or negligence, (ii) in the case of the
inaccuracy of any representation or warranty contained in Section 6.07, (iii)
for the failure by the Owner Trustee to perform obligations expressly undertaken
by it in the last sentence of Section 5.03(a), or (iv) for taxes, fees or other
charges on, based on or measured by, any fees, commissions or other compensation
earned by the Trustee Bank for acting as trustee hereunder. In particular, but
not by way of limitation:

            (a) The Trustee Bank will not be personally liable for any error of
judgment made in good faith by an authorized officer of the Owner Trustee so
long as the same will not constitute negligence, bad faith or willful
misconduct;

            (b) The Trustee Bank will not be personally liable with respect to
any action taken or omitted to be taken by the Owner Trustee in good faith in
accordance with the instructions of the Beneficiary;

            (c) No provision of this Agreement or any other Transaction Document
will require the Trustee Bank to expend or risk its personal funds or otherwise
incur any financial liability in the performance of any of its rights or powers
hereunder, if the Trustee Bank will have reasonable grounds for believing that
repayment of such funds or adequate indemnity against such risk or liability is
not reasonably assured or provided to it, including such advances as the Trustee
Bank may reasonably request;

            (d) Under no circumstance will the Trustee Bank be personally liable
for the accuracy or performance of any representation, warranty, covenant,
agreement or other obligation, including any indebtedness, of the Trust;

            (e) The Trustee Bank will not be personally responsible or liable
for or in respect of the validity or sufficiency of this Agreement or for the
due execution hereof by the Beneficiary or with respect to any agreement entered
into by the Trust;

            (f) Under no circumstances will the Trustee Bank be responsible or
liable for the action or inaction of the Beneficiary or the Administrator, nor
will the Trustee Bank be responsible for monitoring the performance of the
Beneficiary's or the Administrator's duties hereunder or of any other Person
acting for or on behalf of the Trust;

            (g) In no event shall the Trustee Bank be personally liable for
special, consequential or punitive damages unless such damages result from its
willful misconduct, bad faith or gross negligence, for the acts or omissions of
its nominees, correspondents, clearing agencies or securities depositories, for
the acts or omissions of brokers or dealers, and for any

                                       19
<PAGE>

losses due to forces beyond the control of the Trustee Bank, including strikes,
work stoppages, acts of war or terrorism, insurrection, revolution, nuclear or
natural catastrophes or acts of God and interruptions, loss or malfunctions of
utilities, communications or computer (software and hardware) services. The
Trustee Bank shall have no responsibility for the accuracy of any information
provided to the Beneficiary or any other Person that has been obtained from, or
provided to the Trustee Bank by, any other Person;

            (h) The Trustee Bank shall not be liable for the default or
misconduct of the Indenture Trustee under any of the Transaction Documents or
otherwise, and the Trustee Bank shall have no obligation or liability to perform
the obligations of the Trust under this Agreement or the other Transaction
Documents, in each case that are required to be performed by the Indenture
Trustee under the Indenture; and

            (i) The Trustee Bank shall be under no obligation to exercise any of
the rights or powers vested in it by this Agreement, or to institute, conduct or
defend any litigation under this Agreement or otherwise or in relation to this
Agreement or any other Transaction Document, at the request, order or direction
of the Beneficiary, unless the Beneficiary has offered to the Trustee Bank
security or indemnity satisfactory to it against the costs, expenses and
liabilities that may be incurred by the Trustee Bank therein or thereby. The
right of the Trustee Bank to perform any discretionary act enumerated in this
Agreement or in any other Transaction Document shall not be construed as a duty,
and the Trustee Bank shall not be answerable for other than its willful
misconduct, bad faith or gross negligence in the performance of any such act.

            Section 6.02. Furnishing of Documents. The Owner Trustee will
furnish to the Beneficiary, within a reasonable time under the circumstances
after receipt thereof, duplicates or copies of all reports, notices, requests,
demands, certificates, financial statements and any other instruments furnished
to the Owner Trustee with respect to the Trust or the Trust Estate.

            Section 6.03. No Representations and Warranties as to the Trust
Estate. The Owner Trustee makes no representation or warranty as to, and shall
not be liable for, the title, value, condition, design, operation,
merchantability or fitness for use of the Trust Estate (or any part thereof) or
any other representation or warranty, express or implied, whatsoever with
respect to the Trust Estate (or any part thereof) except that the Owner Trustee,
in its individual capacity, hereby represents and warrants to the Beneficiary
that it will comply with the last sentence of Section 5.03(a).

            Section 6.04. Signature of Returns. The Beneficiary will sign on
behalf of the Trust any Periodic Filings of the Trust or other documents
relating to the Trust prepared by, or on behalf of, the Beneficiary.

            Section 6.05. Reliance; Advice of Counsel. The Owner Trustee will
incur no liability to anyone in acting upon any signature, instrument, notice,
resolution, request, consent, order, certificate, report, opinion, bond or other
document or paper believed by it to be genuine and believed by it to be signed
by the proper party or parties. The Owner Trustee may accept a certified copy of
a resolution of the board of directors or other governing body of any entity as
conclusive evidence that such resolution has been duly adopted by such body and
that the same

                                       20
<PAGE>

is in full force and effect. As to any fact or matter the manner of
ascertainment of which is not specifically prescribed herein, the Owner Trustee
may for all purposes rely on an officer's certificate of the relevant party, as
to such fact or matter, and such officer's certificate will constitute full
protection to the Owner Trustee for any action taken or omitted to be taken by
it in good faith in reliance thereon. In the administration of the Trust, the
Owner Trustee may, at the expense of the Trust (i) execute the trust or any of
the powers hereof and perform its powers and duties hereunder directly or
through agents or attorneys, and the Owner Trustee will not be liable for the
default or misconduct of any agent or attorney selected by the Owner Trustee
with reasonable care, nor shall the Owner Trustee be responsible for monitoring
their performance; and (ii) consult with counsel, accountants and other skilled
persons to be selected with reasonable care and employed by it, and the Owner
Trustee will not be liable for anything done, suffered or omitted in good faith
by it in accordance with the advice or opinion of any such counsel, accountants
or other skilled persons.

            Section 6.06. Not Acting in Individual Capacity. Except as provided
in this Article VI, in accepting the trust hereby created the Trustee Bank acts
solely as Owner Trustee hereunder and not in its individual capacity; and all
Persons having any claim against the Trust or the Owner Trustee, whether by
reason of the transactions contemplated by this Agreement or otherwise, will
look only to the Trust Estate (or a part thereof, as the case may be) for
payment or satisfaction thereof, except as specifically provided in this Article
VI.

            Section 6.07. Representations and Warranties. The Trustee Bank,
other than a Trustee Bank appointed as a co-trustee or separate trustee, hereby
represents and warrants to the Beneficiary that:

            (a) The Trustee Bank is a Delaware banking corporation duly
organized and validly existing in good standing under the laws of the State of
Delaware. The Trustee Bank has all requisite corporate power and authority to
execute, deliver and perform its obligations under this Agreement.

            (b) The Trustee Bank has taken all corporate action necessary to
authorize the execution and delivery by it of this Agreement, and this Agreement
will be executed and delivered by one of its officers who is duly authorized to
execute and deliver this Agreement on its behalf.

            (c) Neither the execution nor the delivery by it of 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, 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.

            (d) The Trustee Bank complies with all of the requirements of
Chapter 38, Title 12 of the Delaware Code relating to the qualification of a
trustee of a Delaware statutory trust.

                                       21
<PAGE>

                                  ARTICLE VII

                         TERMINATION OF TRUST AGREEMENT

            Section 7.01. Termination of Trust Agreement.

            (a) The Trust shall dissolve upon the final distribution by the
Owner Trustee of all moneys or other property or proceeds of the Trust Estate in
accordance with the Delaware Statutory Trust Act. Any money or other property
held as part of the Trust Estate following such distribution shall be
distributed to the Beneficiary. The bankruptcy, liquidation, dissolution,
termination, death or incapacity of the Beneficiary shall not (x) operate to
terminate this Agreement or result in the termination or dissolution of the
Trust, or (y) entitle the Beneficiary's legal representatives or heirs to claim
an accounting or to take any action or proceeding in any court for a partition
or winding up of all or any part of the Trust or Trust Estate or (z) otherwise
affect the rights, obligations and liabilities of the parties hereto.

            (b) Except as provided in Section 7.01(a), the Beneficiary shall not
be entitled to revoke or terminate the Trust.

            (c) Upon completion of the winding up of the Trust in accordance
with the Delaware Statutory Trust Act, the Owner Trustee shall cause the
Certificate of Trust to be canceled by filing a certificate of cancellation with
the Secretary of State in accordance with the provisions of Section 3810 of the
Delaware Statutory Trust Act and thereupon the Trust and this Agreement (other
than Article XI) shall terminate.

                                  ARTICLE VIII

                      SUCCESSOR OWNER TRUSTEES, CO-TRUSTEES
                           AND SEPARATE OWNER TRUSTEES

            Section 8.01. Resignation and Removal of the Owner Trustee;
Appointment of Successors. Upon the occurrence of a Disqualification Event with
respect to the Owner Trustee, the Beneficiary shall appoint a successor Owner
Trustee by an instrument signed by the Beneficiary. If a successor Owner Trustee
has not been appointed within 30 days after the giving of written notice of such
resignation or the delivery of the written instrument with respect to such
removal, the Owner Trustee or the Beneficiary may apply to any court of
competent jurisdiction to appoint a successor Owner Trustee to act until such
time, if any, as a successor Owner Trustee has been appointed as above provided.
Any successor Owner Trustee so appointed by such court will immediately and,
except as provided in Section 8.02 below, without further act be superseded by
any successor Owner Trustee appointed as above provided within one year from the
date of the appointment by such court. The Owner Trustee may resign at any time
without cause by giving at least 30 days' prior written notice to the
Beneficiary. No such removal or resignation shall become effective until a
successor Owner Trustee, however appointed, becomes vested as Owner Trustee
hereunder pursuant to Section 8.02. The Beneficiary will notify the Note Rating
Agencies promptly after the resignation or removal of the Owner Trustee and
promptly after the appointment of a successor Owner Trustee.

                                       22
<PAGE>

            Section 8.02. Transfer Procedures. Any successor Owner Trustee,
however appointed, will execute and deliver to the predecessor Owner Trustee an
instrument accepting such appointment, and such other documents of transfer as
may be necessary, and thereupon such successor Owner Trustee, without further
act, will become vested with all the estates, properties, rights, powers, duties
and trust of the predecessor Owner Trustee in the trust hereunder with like
effect as if originally named an Owner Trustee herein and the predecessor Owner
Trustee will be fully discharged of its duties and obligations to serve as Owner
Trustee hereunder. The predecessor Owner Trustee shall promptly deliver to the
successor Owner Trustee all documents, statements and monies held by it under
this Agreement. The successor Owner Trustee shall promptly file an amendment to
the Certificate of Trust with the Secretary of State identifying the name and
principal place of business of such successor Owner Trustee in the State of
Delaware.

            Section 8.03. Qualification of Owner Trustee. Any Owner Trustee will
at all times (i) be a trust company or a banking corporation under the laws of
its state of incorporation or a national banking association, having all
corporate powers and all material governmental licenses, authorizations,
consents and approvals required to carry on a trust business in the State of
Delaware, (ii) comply with Section 3807 (and any other applicable Section) of
the Delaware Statutory Trust Act, (iii) have a combined capital and surplus of
not less than $50,000,000 (or have its obligations and liabilities irrevocably
and unconditionally guaranteed by an affiliated Person having a combined capital
and surplus of at least $50,000,000) and (iv) have (or have a parent which has)
a long-term unsecured debt rating of at least Baa3 by Moody's, at least BBB- by
Standard & Poor's or, if not rated, otherwise satisfactory to each Note Rating
Agency.

            Section 8.04. Co-trustees and Separate Owner Trustees. Whenever the
Owner Trustee or the Beneficiary shall deem it necessary or prudent in order
either to conform to any law of any jurisdiction in which all or any part of the
Trust Estate shall be situated or to make any claim or bring any suit with
respect to the Trust Estate, or whenever the Owner Trustee or the Beneficiary
shall be advised by counsel satisfactory to them that such action is necessary
or prudent, the Owner Trustee and the Beneficiary shall execute and deliver an
agreement supplemental hereto and all other instruments and agreements, and
shall take all other actions, necessary or proper to appoint one or more Persons
either as co-trustee or co-trustees jointly with the Owner Trustee of all or any
part of the Trust Estate, or as a separate trustee or separate trustees of all
or any part of the Trust Estate, and to vest in such Persons, in such capacity,
such title to the Trust Estate or any part thereof, and such rights or duties,
as may be necessary or desirable, all for such period and under such terms and
conditions as are satisfactory to the Owner Trustee and the Beneficiary. In case
a Disqualification Event shall occur with respect to any such co-trustee or
separate trustee, the title to the Trust Estate and all rights and duties of
such co-trustee or separate trustee shall, so far as permitted by law, vest in
and be exercised by the Owner Trustee, without the appointment of a successor to
such co-trustee or separate trustee.

                                       23
<PAGE>

                                   ARTICLE IX

                                   AMENDMENTS

            Section 9.01. Amendments.

            (a) This Agreement may be amended from time to time, by a written
instrument executed by the Owner Trustee and the Beneficiary, without the
consent or the entitlement to vote of the Indenture Trustee or any Noteholders,
upon issuance of a Master Trust Tax Opinion and an Issuer Tax Opinion to the
Owner Trustee and the Indenture Trustee, which shall not be an expense of the
Owner Trustee or the Trustee Bank; provided, however, that the Trust shall
deliver (i) to the Indenture Trustee and the Owner Trustee an officer's
certificate to the effect that the Trust reasonably believes that such amendment
will not have an Adverse Effect and is not reasonably expected to have an
Adverse Effect at any time in the future based on the facts known to such
officer at the time of such certification and (ii) to each Note Rating Agency
prior written notice of such amendment; provided further, however, that such
amendment will not significantly change the permitted activities of the Trust as
set forth in Section 2.03. The Owner Trustee shall not be responsible for
determining whether any such amendment to this Agreement will significantly
change the permitted activities of the Trust as set forth in Section 2.03.

            (b) This Agreement may also be amended from time to time, by a
written instrument executed by the Owner Trustee and the Beneficiary, with prior
written notice to each Note Rating Agency, upon issuance of a Master Trust Tax
Opinion and an Issuer Tax Opinion to the Owner Trustee and the Indenture Trustee
and (A) in the case of a significant change to Section 2.03(a) which the Trust
reasonably believes will not have an Adverse Effect, with the consent of holders
of a majority of the Outstanding Dollar Principal Amount (as defined in the
Indenture) of each Series, Class or Tranche of Notes affected by such change,
and (B) in all other cases, with the consent of holders of not less than 66% of
the Outstanding Dollar Principal Amount of each Series, Class or Tranche of
Notes affected by such change; provided, however, that, without the consent of
the holders of all of the Notes then outstanding, no such amendment shall (a)
increase or reduce in any manner the amount of, or accelerate or delay the
timing of, collections of payments in respect of the Collateral Certificate or
distributions that are required to be made for the benefit of the Noteholders or
(b) reduce the aforesaid percentage of the Outstanding Dollar Principal Amount
of the Notes, the holders of which are required to consent to any such
amendment.

            (c) Promptly after the execution of any such amendment or consent,
the Beneficiary, on behalf of the Trust, shall furnish written notification of
the substance of such amendment or consent to the Indenture Trustee and each
Note Rating Agency.

            (d) It shall not be necessary for the consent of the Noteholders
pursuant to this Section to approve the particular form of any proposed
amendment or consent, but it shall be sufficient if such consent shall approve
the substance thereof.

            (e) Promptly after the execution of any amendment to the Certificate
of Trust, the Owner Trustee shall cause the filing of such amendment with the
Secretary of State.

                                       24
<PAGE>

            (f) The Owner Trustee shall be entitled to receive, and shall be
fully protected in relying upon, an officer's certificate of the Trust to the
effect that the conditions to such amendment have been satisfied. The Owner
Trustee may, but shall not be obligated to, enter into any such amendment which
affects the Owner Trustee's own rights, duties or immunities under this
Agreement or otherwise.

            (g) For purposes of any provision of this Agreement requiring or
permitting actions with the consent of, or at the direction of, Noteholders of a
specified percentage of the aggregate unpaid principal amount of Notes, any
Notes owned by the Trust, the Master Trust, the Transferor, the Beneficiary or
any Affiliate thereof will be deemed not to be outstanding, except that, in
determining whether the Indenture Trustee shall be protected in relying upon any
such consent or direction, only Notes which the Indenture Trustee knows to be so
owned shall be so disregarded. Notes so owned which have been pledged in good
faith shall not be disregarded and may be regarded as outstanding if the pledgee
establishes to the satisfaction of the Indenture Trustee the pledgee's right so
to act with respect to such Notes and that the pledgee is not the Transferor,
the Beneficiary or any Affiliate thereof.

                                   ARTICLE X

                      BENEFICIAL INTERESTS AND CERTIFICATES

            Section 10.01. Issuance of Trust Certificates. (a) Promptly
following the execution and delivery of this Agreement, the Owner Trustee on
behalf of the Trust will issue and deliver to the Beneficiary a certificate of
beneficial ownership of the Trust Estate substantially in the form of Exhibit A
hereto (the "Trust Certificate") evidencing the Beneficiary's beneficial
interest (the "Beneficial Interest") in the Trust. The Beneficiary, in its
capacity as the holder of the Trust Certificate, (i) shall be the sole
beneficial owner of the Trust and (ii) shall be bound by the provisions of this
Agreement.

            (b) Concurrently with the initial transfer and assignment of the
Collateral Certificate to the Trust, the Owner Trustee shall cause a single
Trust Certificate to be executed on behalf of the Trust, authenticated and
delivered to or upon the written order of the Beneficiary, signed by any Vice
President or more senior officer of the Beneficiary, without further corporate
action by the Beneficiary. The Trust Certificate shall not entitle its holder to
any benefit under this Agreement, or be valid for any purpose, unless there
shall appear on the Trust Certificate a certificate of authentication
substantially in the form set forth in Exhibit A, executed by the Owner Trustee
or the Owner Trustee's authentication agent, by manual signature; such
authentication shall constitute conclusive evidence that the Trust Certificate
shall have been duly authenticated and delivered hereunder. A Trust Certificate
bearing the manual signature of an individual who was, at the time when such
signature was affixed, an authorized officer will bind the Trust,
notwithstanding that such individual has ceased to be so authorized prior to the
delivery of such Trust Certificate. The Trust Certificate will be dated the date
of its authentication.

            (c) The Beneficiary will be entitled to all rights provided to it
under this Agreement and in the Trust Certificate and will be subject to the
terms and conditions contained in this Agreement and in the Trust Certificate.

                                       25
<PAGE>

            (d) The Owner Trustee will maintain at its office referred to in
Section 2.08, or at the office of any agent appointed by it and approved in
writing by the Beneficiary, a register for the registration of the Trust
Certificate. Such register will show the name and address of the holder of the
Trust Certificate, and the Owner Trustee will treat such register as definitive
and binding for all purposes hereunder.

            (e) When the Trust Certificate is duly executed and issued by the
Trust and duly authenticated by the Owner Trustee in accordance with this
Agreement, the Trust Certificate will be fully paid, validly issued,
non-assessable and entitled to the benefits of this Agreement.

            Section 10.02. Beneficial Interest; Prohibitions on Transfer. (a)
The Beneficial Interest will initially be beneficially owned by National City.
Transfers of all or a portion of the Beneficial Interest and the Trust
Certificate may be made between National City and any other Person who is an
Affiliate of National City (a "Permitted Affiliate Transferee") upon delivery to
the Master Trust Trustee and the Owner Trustee of a Master Trust Tax Opinion and
an Issuer Tax Opinion, respectively, with respect to such transfer. To the
fullest extent permitted by applicable law(s), the Beneficiary may not sell,
participate, transfer, assign, exchange or otherwise pledge or convey all or any
part of its right, title and interest in and to the Trust Certificate or its
Beneficial Interest to any other Person, except (i) to any Permitted Affiliate
Transferee, or (ii) to the extent a corresponding transfer of the Collateral
Certificate would be permitted by the Pooling and Servicing Agreement. Any
purported transfer by the Beneficiary of all or any part of its right, title and
interest in and to the Trust Certificate to any Person will be effective only
upon the issuance of a Master Trust Tax Opinion and an Issuer Tax Opinion, which
will not be an expense of the Owner Trustee or the Trustee Bank. Any purported
transfer by the Beneficiary of all or any part of its right, title and interest
in and to the Trust Certificate which is not in compliance with the terms of
this Section 10.02 will be null and void.

            (b) The Trust Certificate will bear a legend setting forth the
restriction on the transferability of the Beneficial Interest substantially as
follows:

      "THIS CERTIFICATE MAY NOT BE TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE
      PLEDGED OR CONVEYED EXCEPT IN COMPLIANCE WITH THE TERMS OF THE TRUST
      AGREEMENT REFERRED TO BELOW. IN ADDITION, THE BENEFICIAL INTEREST IN THE
      TRUST REPRESENTED BY THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE
      REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES
      ACT") OR ANY STATE SECURITIES LAWS AND MAY NOT BE DIRECTLY OR INDIRECTLY
      OFFERED OR SOLD OR OTHERWISE DISPOSED OF BY THE HOLDER HEREOF UNLESS SUCH
      TRANSACTION IS EXEMPT FROM REGISTRATION UNDER THE SECURITIES ACT, THE
      INVESTMENT COMPANY ACT OF 1940, AS AMENDED AND APPLICABLE STATE SECURITIES
      LAWS."

                                       26
<PAGE>

            (c) The Owner Trustee shall not be required to ascertain whether any
purported transfer of the Beneficial Interest and the Trust Certificate complies
with the Securities Act.

            Section 10.03. Lost or Destroyed Trust Certificate. If the Trust
Certificate shall become mutilated, destroyed, lost or stolen, the Owner Trustee
on behalf of the Trust will, upon the written request of the Beneficiary, and
compliance with all applicable terms of this paragraph, execute and deliver to
such holder in replacement thereof a new Trust Certificate dated the same date
as on the Trust Certificate so mutilated, destroyed, lost or stolen. If the
Trust Certificate being replaced has been mutilated, destroyed, lost or stolen,
the Beneficiary will furnish to the Owner Trustee such security or indemnity as
may be required by the Owner Trustee to save the Owner Trustee harmless from any
damage, loss or liability in connection with such Trust Certificate, and the
Owner Trustee may require from the Beneficiary payment of a sum to reimburse the
Owner Trustee for, or to provide funds for, the payment of any costs, fees and
expenses and any tax or other governmental charge in connection therewith and
any charges paid or payable by the Owner Trustee.

                                   ARTICLE XI

                COMPENSATION OF TRUSTEE BANK AND INDEMNIFICATION

            Section 11.01. Trustee Bank Fees and Expenses. The Transferor will
pay to the Trustee Bank all fees and other charges described in a separate fee
agreement dated as of the date hereof between the Transferor and the Trustee
Bank promptly when due thereunder and reimburse the Trustee Bank for all other
reasonable out-of-pocket costs and expenses (including reasonable fees and
expenses of counsel) incurred by it in connection with its acting as Owner
Trustee of the Trust.

            Section 11.02. Indemnification. To the fullest extent permitted by
law, the Transferor hereby agrees, whether or not any of the transactions
contemplated by this Agreement will be consummated, to assume liability for, and
hereby indemnifies, protects, saves and keeps harmless the Trustee Bank and its
officers, directors, successors, assigns, legal representatives, agents and
servants (each an "Indemnified Person"), from and against any and all
liabilities, obligations, losses, damages, penalties, taxes, claims, actions,
investigations, proceedings, costs, expenses or disbursements (including
reasonable legal fees and expenses) of any kind and nature whatsoever which may
be imposed on, incurred by or asserted at any time against an Indemnified Person
(whether or not also indemnified against by any other Person) in any way
relating to or arising out of this Agreement or any other related documents or
the enforcement of any of the terms of any thereof, the administration of the
Trust Estate or the action or inaction of the Owner Trustee, or the Trustee Bank
under this Agreement, and the manufacture, purchase, acceptance, nonacceptance,
rejection, ownership, delivery, lease, possession, use, operation, condition,
sale, return or other disposition of any property (including any strict
liability, any liability without fault and any latent and other defects, whether
or not discoverable), except, in any such case, to the extent that any such
liabilities, obligations, losses, damages, penalties, taxes, claims, actions,
investigations, proceedings, costs, expenses and disbursements are the result of
any of the matters described in the third sentence of Section 6.01; provided,
however, that the Transferor shall not be liable for or required to indemnify an
Indemnified Person from

                                       27
<PAGE>

and against expenses arising or resulting from (i) the Indemnified Person's own
willful misconduct, bad faith or negligence, or (ii) the inaccuracy of any
representation or warranty contained in Section 6.07 made by the Indemnified
Person.

      In case any such action, investigation or proceeding will be brought
involving an Indemnified Person, the Transferor will assume the defense thereof,
including the employment of counsel and the payment of all expenses. If the
Trustee Bank reasonably concludes that there are defenses available to it which
are different from or additional to those available to any or all of the other
Indemnified Persons, the Trustee Bank will have the right to employ separate
counsel in any such action, investigation or proceeding and to participate in
the defense thereof and the reasonable counsel fees and expenses of such counsel
will be paid by the Transferor. In the event of any claim, action or proceeding
for which indemnity will be sought pursuant to this Section, the Trustee Bank's
choice of legal counsel shall be subject to the approval of the Beneficiary,
which approval shall not be unreasonably withheld.

      The payment of such indemnified amounts will not be a recourse obligation
of the Trust.

      The indemnification set forth herein will survive the termination of this
Agreement and the resignation or removal of the Trustee Bank.

                                  ARTICLE XII

                                  MISCELLANEOUS

            Section 12.01. Conveyance by the Owner Trustee is Binding. Any sale
or other conveyance of any part of the Trust Estate by the Owner Trustee on
behalf of the Trust made pursuant to the terms of this Agreement will bind the
Beneficiary and will be effective to transfer or convey all beneficial interest
of the Owner Trustee and Beneficiary in and to such part of the Trust Estate, as
the case may be. No purchaser or other grantee will be required to inquire as to
the authorization, necessity, expediency or regularity of such sale or
conveyance or as to the application of any sale or other proceeds with respect
thereto by the Owner Trustee or the officers.

            Section 12.02. Instructions; Notices. All instructions, notices,
requests or other communications ("Deliveries") desired or required to be given
under this Agreement will be in writing and will be sent by (a) certified or
registered mail, return receipt requested, postage prepaid, (b) national prepaid
overnight delivery service, (c) telecopy or other facsimile transmission or (d)
personal delivery, with receipt acknowledged in writing, to the following
addresses:

            (i)   if to National City:

                  National City Bank
                  1900 E. 9th Street
                  Cleveland, Ohio 44114
                  Attention: Investment Funding
                  Facsimile: (216) 222-0156

                                       28
<PAGE>

            (ii)  if to the Owner Trustee:

                  Wilmington Trust Company
                  Rodney Square North
                  1100 North Market Street
                  Wilmington, Delaware 19890-0001
                  Attention: Corporate Trust Administration
                  Facsimile: (302) 636-6196

      All Deliveries will be deemed given when actually received or refused by
the party to whom the same is directed (except to the extent sent by certified
or registered mail, return receipt requested, postage prepaid, in which event
such Deliveries will be deemed given three days after the date of mailing and
except to the extent sent by telecopy or other facsimile transmission, in which
event such Deliveries will be deemed given when answer back is received). Either
party may designate a change of address or supplemental address by written
notice to the other party.

            Section 12.03. Severability. Any provision of this Agreement which
is prohibited or unenforceable in any jurisdiction will, as to such
jurisdiction, be ineffective to the extent of such prohibition or
unenforceability without invalidating the remaining provisions hereof, and any
such prohibition or unenforceability in any jurisdiction will not invalidate or
render unenforceable any provision hereof in any other jurisdiction.

            Section 12.04. Limitation of Liability. (a) To the fullest extent
permitted by applicable law, neither the Beneficiary nor any officer, director,
employee, agent, member, partner, shareholder, trustee or principal of the
Beneficiary, the Trust or any Person owning, directly or indirectly, any legal
or beneficial interest in the Beneficiary, will have any liability or obligation
with respect to the Trust or the performance of this Agreement or any other
agreement, document or instrument executed by the Trust, and the creditors of
the Trust and all other Persons will look solely to the Trust Estate for the
satisfaction of any claims with respect thereto. The foregoing limitation of
liability is subject to Section 12.06 and is in addition to, and not exclusive
of, any limitation of liability applicable to the Persons referred to above by
operation of law.

            (b) All agreements entered into by the Trust under which the Trust
would have any material liability will contain an exculpatory provision
substantially to the following effect:

            Neither any trustee nor any beneficiary of National City Credit Card
            Master Note Trust nor any of their respective officers, directors,
            employers or agents will have any liability with respect to this
            agreement, and recourse may be had solely to the assets of National
            City Credit Card Master Note Trust with respect thereto.

            Section 12.05. Separate Counterparts. This Agreement may be executed
by the parties hereto in separate counterparts, each of which when so executed
and delivered will be an original, but all such counterparts will together
constitute but one and the same instrument.

                                       29
<PAGE>

            Section 12.06. Successors and Assigns. All covenants and agreements
contained herein will be binding upon, and inure to the benefit of, the Owner
Trustee and its successors and assigns and the Beneficiary and its successors
and permitted assigns, all as herein provided. Any request, notice, direction,
consent, waiver or other instrument or action by the Beneficiary will bind the
successors and assigns of the Beneficiary.

            Section 12.07. Headings. The headings of the various Sections herein
and the Table of Contents are for convenience of reference only and will not
limit any of the terms or provisions herein.

            Section 12.08. Governing Law. THIS AGREEMENT WILL BE GOVERNED BY,
AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF DELAWARE WITHOUT
REGARD TO CONFLICTS OF LAW PRINCIPLES OF SUCH STATE.

            Section 12.09. Nonpetition Covenants. To the fullest extent
permitted by applicable law, notwithstanding any prior termination of the Trust
or this Agreement, each of the Owner Trustee and the Beneficiary covenants and
agrees that it shall not at any time with respect to the Trust or the Master
Trust acquiesce, petition or otherwise invoke or cause the Trust or the Master
Trust to invoke the process of any court or government authority for the purpose
of commencing or sustaining a case against the Trust or the Master Trust under
any Federal or state bankruptcy, insolvency or similar law or appointing a
receiver, conservator, liquidator, assignee, trustee, custodian, sequestrator or
other similar official of the Trust or the Master Trust or any substantial part
of its property, or ordering the winding up or liquidation of the affairs of the
Trust or the Master Trust.

            Section 12.10. No Recourse. The holder of the Trust Certificate by
accepting the Trust Certificate acknowledges that the Trust Certificate does not
represent an interest in or obligation of the Beneficiary, the Owner Trustee (in
its individual capacity), the Indenture Trustee or any Affiliate thereof, and no
recourse may be had against such parties or their assets, or against the assets
pledged under the Indenture.

            Section 12.11. Acceptance of Terms of Agreement. THE RECEIPT AND
ACCEPTANCE OF THE TRUST CERTIFICATE BY THE BENEFICIARY, WITHOUT ANY SIGNATURE OR
FURTHER MANIFESTATION OF ASSENT, SHALL CONSTITUTE THE UNCONDITIONAL ACCEPTANCE
BY THE BENEFICIARY OF ALL THE TERMS AND PROVISIONS OF THIS AGREEMENT, AND SHALL
CONSTITUTE THE AGREEMENT OF THE TRUST THAT THE TERMS AND PROVISIONS OF THIS
AGREEMENT SHALL BE BINDING, OPERATIVE AND EFFECTIVE AS BETWEEN THE TRUST AND THE
BENEFICIARY.

                           [Signature Page to Follow]

                                       30
<PAGE>

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

                                               WILMINGTON TRUST COMPANY,
                                               as Owner Trustee

                                               By: /s/ Patricia A. Evans
                                                   ---------------------------
                                                   Name: Patricia A. Evans
                                                   Title: Vice President

                                               NATIONAL CITY BANK, as
                                               Beneficiary and as Transferor

                                               By: /s/ Russell A. Cronin, Jr.
                                                   --------------------------
                                                   Name: Russell A. Cronin, Jr.
                                                   Title: Senior Vice President

   [Signature Page to National City Credit Card Master Note Trust Amended and
                           Restated Trust Agreement]

<PAGE>

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: /s/ Patricia A. Evans
          -------------------------------
          Name: Patricia A. Evans
          Title: Vice President

   [Signature Page to National City Credit Card Master Note Trust Amended and
                           Restated Trust Agreement]

<PAGE>

                                                                       EXHIBIT A

                           [FORM OF] TRUST CERTIFICATE

THIS CERTIFICATE MAY NOT BE TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE
PLEDGED OR CONVEYED EXCEPT IN COMPLIANCE WITH THE TERMS OF THE TRUST AGREEMENT
REFERRED TO BELOW. IN ADDITION, THE BENEFICIAL INTEREST IN THE TRUST REPRESENTED
BY THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES
ACT OF 1933, AS AMENDED (THE "SECURITIES ACT") OR ANY STATE SECURITIES LAWS AND
MAY NOT BE DIRECTLY OR INDIRECTLY OFFERED OR SOLD OR OTHERWISE DISPOSED OF BY
THE HOLDER HEREOF UNLESS SUCH TRANSACTION IS EXEMPT FROM REGISTRATION UNDER THE
SECURITIES ACT, THE INVESTMENT COMPANY ACT OF 1940, AS AMENDED, AND APPLICABLE
STATE SECURITIES LAWS.

                   NATIONAL CITY CREDIT CARD MASTER NOTE TRUST

                                TRUST CERTIFICATE

(This Certificate does not represent an interest in or obligation of National
City Bank or any of its affiliates, except to the extent described below.)

      THIS CERTIFIES THAT National City Bank, a national banking association
("National City") is the registered beneficial owner of the National City Credit
Card Master Note Trust (the "Trust") created by National City.

      The Trust was created pursuant to (i) the filing of the Certificate of
Trust with the Secretary of State of the State of Delaware and (ii) the National
City Credit Card Master Note Trust Trust Agreement dated as of July 13, 2005 (as
amended, restated, supplemented or otherwise modified from time to time, the
"Trust Agreement"), between National City, as Beneficiary, and Wilmington Trust
Company, as owner trustee (the "Owner Trustee"). To the extent not otherwise
defined herein, the capitalized terms used herein have the meanings assigned to
them in the Trust Agreement.

      This Certificate is the duly authorized Trust Certificate evidencing a
beneficial interest in the Trust (herein called the "Certificate"). This
Certificate is issued under and is subject to the terms, provisions and
conditions of the Trust Agreement, to which Trust Agreement the Beneficiary by
virtue of the acceptance hereof assents and by which the Beneficiary is bound.

      To the fullest extent permitted by applicable law, notwithstanding any
prior termination of the Trust or the Trust Agreement, the Beneficiary, by its
acceptance of this Certificate, agrees that at no time shall it commence, or
join in commencing, a bankruptcy case or other insolvency or similar proceeding
under the laws of any jurisdiction against the Trust, the Beneficiary or the
Master Trust.

      Unless the certificate of authentication hereon shall have been executed
by an authorized officer of the Owner Trustee, by manual signature, this
Certificate shall not entitle the Holder

                                      A-1
<PAGE>

hereof to any benefit under the Trust Agreement or any other Transaction
Document or be valid for any purpose.

      THIS CERTIFICATE AND THE TRUST AGREEMENT WILL IN ALL RESPECTS BE GOVERNED
BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF DELAWARE, WITHOUT
REGARD TO ANY CONFLICT-OF-LAW PROVISIONS AND THE OBLIGATIONS, RIGHTS, AND
REMEDIES OF THE BENEFICIARY SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

                                      A-2
<PAGE>

      IN WITNESS WHEREOF, the Owner Trustee, on behalf of the Trust and not in
its individual capacity pursuant to the Trust Agreement, has caused this
Certificate to be issued by the Trust as of the date hereof.

                                          NATIONAL CITY CREDIT CARD MASTER
                                          NOTE TRUST

                                          By: WILMINGTON TRUST COMPANY, not in
                                          its individual capacity but solely as
                                          Owner Trustee

                                          By:___________________________________
                                             Name:
                                             Title:

Date: _________ __, 2005

<PAGE>

                          CERTIFICATE OF AUTHENTICATION

      This is the Certificate referred to in the within-mentioned Trust
Agreement.

WILMINGTON TRUST COMPANY,                 or WILMINGTON TRUST COMPANY,
not in its individual capacity but solely    not in its individual capacity but
as Owner Trustee                             solely as Owner Trustee

                                             By:________________________________
                                                Authenticating Agent

By:______________________________            By:________________________________
   Authorized Signatory                         Authorized Signatory

<PAGE>

                                                            ANNEX I TO EXHIBIT A

Registered Owner and address:

      National City Bank
      Cleveland, Ohio 44114

Tax Identification Number:

      34-0420310

<PAGE>

                                                                       EXHIBIT B

                             CERTIFICATE OF TRUST OF
                   NATIONAL CITY CREDIT CARD MASTER NOTE TRUST

      THIS Certificate of Trust of National City Credit Card Master Note Trust
(the "Trust") is being duly executed and filed by Wilmington Trust Company, a
Delaware banking corporation, as owner trustee, to create a statutory trust
under the Delaware Statutory Trust Act (12 Del. C., Section 3801 et seq.).

      1. Name. The name of the statutory trust created hereby is National City
Credit Card Master Note Trust.

      2. Delaware Trustee. The name and business address of the owner trustee of
the Trust in the State of Delaware are Wilmington Trust Company, Rodney Square
North, 1100 North Market Street, Wilmington, Delaware 19890-0001, Attention:
Corporate Trust Administration.

      3. Effective Date. This Certificate of Trust shall be effective on [-][-],
2005.

      IN WITNESS WHEREOF, the undersigned, has executed this Certificate of
Trust in accordance with Section 3811(a) of the Delaware Statutory Trust Act.

                                             WILMINGTON TRUST COMPANY,
                                                  not in its individual capacity
                                                  but solely as Owner Trustee

                                                  By:___________________________
                                                     Name:
                                                     Title:

                                       B-1

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