Document:

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                                                                    Exhibit 10.4

                            NATIONAL CITY CORPORATION
                     SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN
               (as Amended and Restated Effective January 1, 2005)

                       ARTICLE 1. THE PLAN AND ITS PURPOSE

     1.1 Amendment and Restatement of the Plan. The following are the provisions
of the National City Corporation Supplemental Executive Retirement Plan (herein
referred to as the "SERP") effective as of January 1, 2005 (herein referred to
as the "Effective Date"), which is an amendment and restatement of the SERP
which was in effect prior thereto (hereinafter referred to as the "Prior Plan").
Except as provided in Section 4.9 herein, the SERP as amended and restated
herein is effective with respect to certain employees who retire, become
disabled, die or otherwise have a Separation from Service on or after the
Effective Date. Benefits with respect to Employees who retired, became disabled,
died or otherwise had a Separation from Service prior to the Effective Date
shall be governed by the provisions of the Prior Plan.

     1.2 Purpose. The purpose of the SERP is to provide for the payment of
certain pension, disability and survivor benefits in addition to benefits which
may be payable under other plans of the Corporation. The Corporation intends and
desires by the provisions of the SERP to recognize the value to the Corporation
of the past and present service of employees covered by the SERP and to
encourage and assure their continued service to the Corporation by making more
adequate provision for their future security than other plans of the Corporation
provide.

     1.3 Operation of the SERP. The SERP shall be administered by the Plan
Administrator.

                             ARTICLE 2. DEFINITIONS

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

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          (a) "Accrued Benefit" shall mean as of any time the benefit to be
provided an Participant expressed in the form of a single life annuity
commencing on such date that is equal to the amount determined by subtracting
(b) and (c) from (a), where (a) is an amount determined by dividing the
Participant's SERP Cash Balance Account as of such date by an immediate annuity
factor for one dollar of benefit payable as a single life annuity based upon the
Participant's Age, such immediate annuity factors being set forth in Section
2.1(b) below, (b) is the Participant's "Accrued Benefit" under the Retirement
Plan, and (c) is the Participant's annual retirement benefit (or Actuarial
Equivalent Benefit as determined by the Actuary) payable with respect to the
Participant pursuant to any SERP Offset Program.

          (b) "Actuarially Equivalent Benefit" means the actuarially equivalent
benefit determined under the SERP using (i) the mortality table prescribed in
Rev. Rul. 2001-62 and (ii) the interest rate utilized in the Retirement Plan for
actuarial equivalence calculations.

          (c) "Actuary" means an independent actuary or firm of actuaries
engaged by the Plan Administrator at its sole discretion. Such actuary or firm
may be, but shall not be required to be, the same actuaries engaged by
Corporation to perform actuarial services with respect to the Retirement Plan.

          (d) "Age" means a person's actual age calculated in years and whole
calendar months.

          (e) "Award" means a Participant's award(s), if any, under the
Management Incentive Plans for Senior Executives.

          (f) "Base Pay" means the regular salary and straight-time hourly wages
paid by an Employer to an Employee. Except as otherwise determined by the
Committee in its sole discretion, Base Pay shall not include overtime pay,
bonuses, suggestions awards, commissions, incentive compensation payment or
other forms of special compensation.

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          (g) "Benefit Commencement Date" means the first day of the first
period for which a Participant's benefits are to be paid as an annuity or any
other form, without regard to whether the Participant's benefits is actually
paid or commences to be paid on such date.

          (h) "Change in Control" see Section 12.2.

          (i) "Committee" means the Compensation and Organization Committee of
the Board of Directors of the Corporation.

          (j) "Corporation" means National City Corporation, a Delaware
corporation, and any successor corporation.

          (k) "Death Beneficiary" shall mean the person who may be entitled to
receive benefits payments under the SERP in the event of the death of a
Participant. Such person or persons may be designated by the Participant (and
such designation may be revoked or changed without the consent of any previously
designated Death Beneficiary), only by an instrument, in form acceptable to the
Plan Administrator, signed by the Participant and filed with the Plan
Administrator before the earlier of (i) the Participant's death, or (ii) the
Participant's Benefit Commencement Date. In the event that a Death Beneficiary
shall not have been designated hereunder (or, if so designated shall have not
survived the Participant), a Participant's Death Beneficiary shall be the person
designated or otherwise treated as his or her designated beneficiary under the
Retirement Plan.

          (l) "Disability" shall mean a disability as defined by the provisions
of the Long Term Disability Plan.

          (m) "Effective Date" shall mean January 1, 2005.

          (n) "Employee" shall mean an individual employed with an Employer on a
regular, active and full-time salaried basis

          (o) "Employer" shall mean the Corporation or any corporation,
organization or entity controlled by the Corporation.

          (p) "FICA" means the Federal Insurance Contributions Act.

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          (q) "Final Average Total Earnings" means the average of a
Participant's five (5) highest consecutive years of Base Pay out of the last ten
(10) years, plus the average of the Participant's five (5) largest (not
necessarily consecutive) Total Awards for any of the ten (10) calendar years
completed immediately prior to the date of determination.

          (r) "Grandfathered Benefit" shall mean the greater of a Participant's
Accrued Benefit or Minimum Benefit determined as of December 31, 2004, provided
that such Participant has had a Vesting Event on or before that date.

          (s) "Interest Credits" shall mean the amount, as of the end of each
month, to be credited to each SERP Cash Balance Account as interest. The annual
rate of interest to be credited shall the applicable rate of interest set forth
in the Retirement Plan.

          (t) "Internal Revenue Code" means the Internal Revenue Code of 1986,
as amended and in effect from time to time.

          (u) "Long Term Disability Plan" means the National City Long-Term
Disability Plan as in effect from time to time and any successor disability
plan, with any amendment(s) thereto from time to time, effective as of the
effective date(s) of such amendment(s).

          (v) "Management Incentive Plans for Senior Officers" means the
National City Corporation Management Incentive Plan for Senior Officers and the
National City Mortgage Co. Management Incentive Plan for Senior Officers
together with any predecessor or successor plans, as in effect from time to
time.

          (w) "Minimum Benefit" means, for any Participant who was a Participant
in the Prior Plan as of June 30, 2002, a single life annuity equal to his
"Accrued Benefit" under the Prior Plan on such date, taking into account all
Vesting Service; provided, however, that for purposes of calculating such
Minimum Benefit, SERP Earnings and Final Average Total Earnings shall be capped
at an amount equal to the sum of the Participant's Base Pay for 2001 plus his
Total Awards payable in 2002. For each year in which this cap is applicable,
SERP Earnings shall be capped by first limiting the amount of Total Awards
payable in that year used

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in determining Final Average Total Earnings. The offsetting values of the
Participant's "Accrued Benefit" under the Retirement Plan and any annual
retirement benefit under any SERP Offsetting Programs shall be determined as of
his Benefit Commencement Date.

          (x) "Normal Retirement Age" means the earlier of age 65, or age 62
with 20 or more years of Vesting Service.

          (y) "Opening Account Balance" shall mean the amount, if any, credited
to a Participant's SERP Cash Balance Account as of the July 1, 2002. With
respect to each Participant who was a "Participant" in the Prior Plan
immediately preceding July 1, 2002, an amount which shall be credited as of July
1, 2002 to his SERP Cash Balance Account which is the present value of the
Participant's "Accrued Benefit" under the Prior Plan (prior to any offset
thereunder), calculated using the Participant's "Vesting Service" under the
Prior Plan as of July 1, 2002 (or projected to age 55, if greater). For purposes
of calculating the amount of any Opening Account Balance, present value shall be
determined using the 1984 Unisex Pension Mortality Table (reflecting a one-year
set back) and an interest rate of 4-1/4% and a benefit commencement age of 62
(or current age, if greater). Notwithstanding the foregoing, the Committee
acting at its discretion may credit additional amounts to a Participant's
Opening Account Balance irrespective of whether such Participant was a
"Participant" in the Prior Plan.

          (z) "Participant" means an Employee who is selected from time to time
by the Committee pursuant to Article 3 of the SERP for participation in one or
more of the benefits under the SERP (or a portion of the SERP).

          (aa) "Plan Administrator" means a committee consisting of the
Corporate Director Human Resources, the Director Executive Compensation, and the
Director Compensation & Benefits, or such other group as established by the
Corporate Director Human Resources to serve as administrator of the SERP.

          (bb) "Plans" means the Retirement Plan and the Long Term Disability
Plan as in effect from time to time.

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          (cc) "Prior Plan" means the SERP as in effect immediately prior to the
Effective Date or as of such other date as may be specified herein.

          (dd) "Retirement Plan" means the National City Non-Contributory
Retirement Plan.

          (ee) "Separation from Service" shall mean the termination of a
Participant's or former Participant's employment relationship with the Employer
for any reason whatsoever, whether voluntarily or involuntarily, including by
reason of retirement, quit, discharge or death; provided, however, that if the
foregoing definition does not satisfy the requirements of Section 409A of the
Internal Revenue Code, an appropriate definition shall be substituted in lieu of
the foregoing, effective as of the Effective Date, or as of such other date as
shall satisfy the requirements of Section 409A.

          (ff) "SERP" means the Supplemental Executive Retirement Plan as
effective on and after the Effective Date.

          (gg) "SERP Cash Balance Account" means as of any date, the notation
account established and maintained for a Participant which shall be credited
with the Participant's (i) Opening Account Balance, if any, (ii) SERP Pay
Credits and (iii) Interest Credits.

          (hh) "SERP Disability Benefit" means the benefit provided for by
Article 6 of the SERP.

          (ii) "SERP Early Retirement Benefit" means the early retirement
benefit provided for by Section 4.3 of the SERP.

          (jj) "SERP Earnings" means all compensation paid to an Employee or
electively deferred by an Employee excluding automobile and parking allowances,
relocation expense payments, tuition reimbursements, signing bonuses, business
expense reimbursements, the value of flex vacation bought or sold, Employer-paid
club dues, cash payments upon the exercise of stock appreciation rights, cash
payments upon the exercise of or disposition of stock options, dividends paid
upon restricted stock, cash payments under any long-term incentive plan,
deferred cash payments, Mexican tax refunds, medical supplemental adjustment
payments, tax

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adjustments on certain payments, the lapse of restricted stock, payments under
nonqualified retirement plans, lump sum severance payments and amounts not
taxable to an Employee. For purposes of clarification, SERP Earnings shall be
calculation without regard to any limitations on compensation as set forth in
the Retirement Plan or in Section 401(a)(17) of the Internal Revenue Code .

          (kk) "SERP Pay Credits" shall mean the amount, as of the end of each
month, to be credited to the SERP Cash Balance Account of each Participant as
pay credits. The SERP Pay Credit shall be calculated in the same manner as "Pay
Credits" under Section 1.1(33)(a) of the Retirement Plan, except that (1) such
SERP Pay Credits shall be calculated on the basis of SERP Earnings and Vesting
Service; and (2) in lieu of any "additional Pay Credits" which might be credited
under Section 1.1(33)(b) of the Retirement Plan, additional SERP Pay Credits in
an amount equal to 9% of an eligible Participant's SERP Earnings be will be
credited to such eligible Participant's SERP Cash Balance Account. A Participant
shall be eligible to receive such additional SERP Pay Credits if, the
Participant (i) was a "participant" in the Prior Plan immediately preceding July
1, 2002, and (ii) had not attained Age fifty-five (55) as of July 1, 2002.

          (ll) "SERP Normal Retirement Benefit" means the benefit provided for
by Section 4.2 of the SERP.

          (mm) "SERP Offset Program" means a program or combination of programs
designated by the Committee to be a SERP Offset Program with respect to one or
more benefits otherwise provided by the SERP, as determined by the Committee.

          (nn) "SERP Retiree" means a Participant who has become eligible for a
SERP Retirement Benefit or who would become eligible for such a benefit except
for the existence of a SERP Offset Program.

          (oo) "SERP Retirement Benefit" means the benefit provided for by
Section 4.1 of the SERP.

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          (pp) "SERP Survivor Benefit" means the benefit provided for by Article
5 of the SERP.

          (qq) "Social Security Disability Benefits" means the amount which a
Participant would be entitled to receive from the United States Social Security
System upon proper application therefor, as disability benefits under such
System, and in the event the Participant declines or fails to apply for any such
benefit, such term shall also include all such amounts which would be payable if
application were made.

          (rr) "Specified Employee" shall mean any Participant who is a
"specified employee," as defined in Section 409A of the Internal Revenue Code
and the lawful Treasury Regulations promulgated thereunder.

          (ss) "Total Awards" for any calendar year shall mean the Participant's
Awards for such year, if any, under the Management Incentive Plans for Senior
Executives.

          (tt) "Vesting Event" means the earliest of the following dates with
respect to a Participant or surviving spouse:

               (1)  the date the Participant has attained age fifty-five (55),

               (2)  the date any benefit is in payment status hereunder, and

               (3)  the Effective Date of a Change in Control (as defined in
                    Article XII).

          (uu) "Vesting Service" means Vesting Service as determined under the
Retirement Plan. Notwithstanding the foregoing, the Committee acting at its sole
discretion may credit a Participant with additional years of Vesting Service.

                    ARTICLE 3. ELIGIBILITY AND PARTICIPATION

     3.1 Eligibility. The eligibility for benefits under the SERP shall be
limited to management and highly-compensated Employees. The Committee may, from
time to time and in its discretion designate certain Employees of the
Corporation or its subsidiaries to be eligible

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for one or more of the benefits under the SERP, but not eligible for the
remainder of such benefits.

     3.2 Removal from Participation. The Committee may, from time to time and in
its discretion, remove any employee from the list of Participants, provided such
removal shall be effective only upon communication thereof in writing to the
Participant prior to the date of the Participant's death, Disability, or
retirement, whichever first occurs, and provided further that in the event such
removal takes place after a Vesting Event, such removal shall not serve to
reduce any Participant's Accrued Benefit. Upon a removal of a Participant prior
to the occurrence of a Vesting Event he or she shall no longer be a Participant
in the SERP.

                       ARTICLE 4. SERP RETIREMENT BENEFIT

     4.1 SERP Retirement Benefits. "SERP Retirement Benefits" constitute the
SERP Normal Retirement Benefit and the SERP Early Retirement Benefit provided
for by this Article 4.

     4.2 Eligibility for SERP Normal Retirement Benefit. Each Participant
becomes eligible for a SERP Normal Retirement Benefit upon attaining the Normal
Retirement Age.

     4.3 Eligibility for SERP Early Retirement Benefit. Each Participant becomes
eligible for a SERP Early Retirement Benefit upon his attainment of age 55.

     4.4 SERP Normal Retirement Benefit. The Normal SERP Retirement Benefit
shall be an amount equal to the Participant's Accrued Benefit (or Minimum
Benefit, if greater) beginning with the month following the Participant's
Separation from Service and continuing during his/her lifetime, the last monthly
payment to be made on the first day of the month in which he/she dies.

     4.5 SERP Early Retirement Benefit. The SERP Early Retirement Benefit shall
be an amount equal to the Participant's Accrued Benefit (or Minimum Benefit
reduced for early commencement in accordance with the factors set forth in Table
A, if greater) beginning with the

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month following the Participant's Separation from Service and continuing during
his/her lifetime, the last monthly payment to be made on the first day of the
month in which he/she dies.

     4.6 Offset of SERP Retirement Benefit. The amount otherwise payable to a
Participant, or Death Beneficiary hereunder may be reduced by the amount of the
payments, if any, made from time to time by the Corporation of the Participant's
portion of FICA taxes pursuant to Section 7.3 of the Plan.

     4.7 Form of Payment of SERP Retirement Benefit. Except as provided
otherwise below, the SERP Retirement Benefit shall be payable as a lump-sum
payment of an Actuarially Equivalent Benefit, and shall be paid within ninety
(90) days following the Participant's Benefit Commencement Date. In lieu of such
a lump-sum payment, a Participant may elect to receive his/her SERP Retirement
Benefit in the form of a single life annuity beginning on his Benefit
Commencement Date. An election to receive such an annuity shall be made by a
Participant only by an instrument, in form acceptable to the Plan Administrator,
signed by the Participant and filed with the Plan Administrator by the later of:
(i) the 30th day following his/her initial participation in the SERP, or (ii)
December 31, 2006 (or such later date as may be specified in the transitional
relief under Section 409A of the Internal Revenue Code). In the event a
Participant shall make no election (or if any such election shall be deemed
ineffective by application of Section 409A of the Internal Revenue Code and the
Treasury Regulations promulgated thereunder), a Participant's SERP Retirement
Benefit shall be paid as a single lump sum. In addition, to the extent permitted
under Section 409A of the Internal Revenue Code and in accordance with
procedures established by the Plan Administrator, a Participant who has made a
valid election to receive his SERP Retirement Benefit in the form of a
single-life annuity may subsequently choose to have an Actuarially Equivalent
Benefit paid in the form of a joint and survivor annuity over the lives of the
Participant and his/her spouse instead, provided that any such election must be
made at least twelve (12) months prior to the Participant's Benefit Commencement
Date.

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     4.8 Delayed Payment for Specified Employees. Notwithstanding anything in
Sections 4.7 or 12.1 to the contrary, for any Participant who is a Specified
Employee, any SERP Retirement Benefit which would have otherwise been paid to
such Participant shall be delayed until such a date which is six (6) months
following his Separation from Service. For purposes of this section 4.8, the
determination of the Corporation's Specified Employees shall be made as of each
December 31st (the "identification date") and shall be applicable for the
12-month period commencing April 1st following that identification date. In the
event that any payment or payments under the SERP are delayed as a result of the
application of this Section 4.8, such delayed payments shall be credited with
interest at the rate established under Section 2.1(s) of the SERP.

     4.9 Treatment of Grandfathered Benefits. Notwithstanding anything in the
SERP to the contrary, the payment of any Grandfathered Benefits shall be
governed solely by the terms of the Prior Plan. No provision in the SERP shall
limit any election which was given to a Participant or any discretion which was
reserved to the Committee, the Corporation or the Plan Administrator with
respect to Grandfathered Benefits under the terms of the Prior Plan.

                        ARTICLE 5. SERP SURVIVOR BENEFIT

     5.1 Eligibility for SERP Survivor Benefit. If a Participant dies before
his/her Benefit Commencement Date, his/her Death Beneficiary shall be entitled
to a SERP Survivor Benefit. If the Participant dies before he/she has satisfied
the eligibility requirements for a SERP Early or Normal Retirement Benefit, the
SERP Survivor Benefit shall be a lump sum Actuarially Equivalent Benefit equal
to 50% of the Participant's SERP Accrued Benefit (or Minimum Benefit, if
greater). If the Participant dies after he/she has satisfied the eligibility
requirements for a SERP Early or Normal Retirement Benefit, the SERP Survivor
Benefit shall be a lump sum Actuarially Equivalent Benefit equal to 66-2/3% of
the Participant's SERP Accrued Benefit (or Minimum Benefit, if greater).

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     5.2 Commencement of SERP Survivor Benefit. The SERP Survivor Benefit
provided in Section 5.1 shall be paid to the Death Beneficiary within ninety
(90) days following the Participant's Death.

     5.3 Method of Payment of SERP Survivor Benefit. The SERP Survivor Benefit
shall be payable in a lump sum payment of an Actuarially Equivalent Benefit, as
determined by the Actuary.

                       ARTICLE 6. SERP DISABILITY BENEFIT

     6.1 Eligibility for SERP Disability Benefit. In the event a SERP
Participant suffers a Disability prior to retirement a SERP Disability Benefit
shall be payable.

     6.2 Amount of SERP Disability Benefit. The annual SERP Disability Benefit
shall be equal to 60% of the Participant's Base Pay at the time of the
Disability,

LESS the sum of:

          (a) the annual amount of the benefit (or Actuarially Equivalent
          Benefit, as determined by the Actuary) payable to the Participant
          under the Long Term Disability Plan,

          (b) the annual amount of benefit payable to the Participant as Social
          Security Disability Benefit,

          (c) the annual amount of disability benefit (or Actuarially Equivalent
          Benefit, as determined by the Actuary) payable to the Participant
          pursuant to any program designated by the Committee to serve as a SERP
          Offset Program, and

          (d) the amount of the payments, if any, made from time to time by the
          Employer of the Participant's portion of FICA taxes pursuant to
          Section 7.3 of the SERP.

Such SERP Disability Benefit shall begin with the month following the date upon
which the Participant suffers a Disability and shall continue until the earliest
of: (i) the Participant's death;

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(ii) the Participant's Normal Retirement Age; (iii) the Participant's
commencement of SERP Retirement Benefits pursuant to Article IV of the SERP; or
(iv) the Participant's ceasing to suffer from such Disability.

     6.3 Form of Payment of SERP Disability Benefit. The SERP Disability Benefit
shall be payable monthly, quarterly or annually as determined by the Plan
Administrator, acting in its discretion.

                            ARTICLE 7. MISCELLANEOUS

     7.1 Payment of Benefits. Benefits hereunder shall be paid by the
Corporation from its general assets, and shall not be paid from any trust fund
established pursuant to any one or more of the Corporation's qualified
retirement plans or the Long Term Disability Plan. All other provisions of the
Plans relating to the payment of benefits, including but not limited to the
dates of first and last payment of any benefits and the normal and optional
forms of benefit payment, shall apply to the payment of benefits hereunder,
except as otherwise specifically provided herein.

     7.2 Administration. Except as herein provided, the SERP shall be
administered by the Plan Administrator which shall administer it in a manner
consistent with the administration of the Plans, except that the SERP shall be
administered as an unfunded plan which is not intended to meet the qualification
requirements of Section 401 of the Internal Revenue Code. The Plan Administrator
shall have full power and authority to interpret, construe and administer the
SERP and the Plan Administrator's interpretations and construction hereof, and
actions hereunder, including the timing, form, amount or recipient of any
payment to be made hereunder, shall be binding and conclusive on all persons for
all purposes. Neither the Plan Administrator nor any member thereof shall be
liable to any person for any action taken or omitted in connection with the
interpretation and administration of the SERP unless attributable to his or her
own willful misconduct or lack of good faith.

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     7.3 Corporation's Potential Payment of FICA Tax. The Corporation may, in
its discretion, pay, for and on behalf of a Participant, the amount, if any, of
such Participant's portion of any FICA taxes which may accrue and become payable
during the Participant's employment which results from such Participant's
Accrued Benefit. At the discretion of the Corporation, the amount of any such
payments(s) by the Employer may serve to reduce such Participant's benefits
under this SERP, to the extent as is otherwise provided in the SERP.

     7.4 Participants' Rights; Death Beneficiary's Rights. Except as otherwise
specifically provided, neither a Participant nor a Death Beneficiary has rights
under the SERP. It is specifically intended that no benefits shall be payable
under the SERP to a Participant or his/her Death Beneficiary prior to the
Participant's Separation from Service either after attainment of Normal
Retirement Age or Age 55, excepting only (a) disability benefits, if applicable,
(b) Survivor Benefits in the event of the death of the Participant prior to
retirement, and (c) the payment of benefits after the occurrence of a Vesting
Event with respect to the Participant. No Participant or his/her Death
Beneficiary shall have any title to or beneficial ownership in any assets of the
Corporation as a result of the SERP or its benefits.

                        ARTICLE 8. AMENDMENT; TERMINATION

     The Corporation expects to continue the SERP indefinitely, but reserves the
right, by action of the Committee, to amend it from time to time, or to
discontinue it if such a change or discontinuance is deemed necessary or
desirable. However, if the SERP should be amended or discontinued, the
Corporation shall remain obligated for benefits under the SERP with respect to
Participants and Death Beneficiaries whose benefits are in payment status at the
time of such action, with respect to any other Participants who have attained
Normal Retirement Age as of the

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date of such action, and, with respect to Accrued Benefits, with respect to any
other Participant as to whom a Vesting Event has occurred.

                            ARTICLE 9. UNFUNDED PLAN

     Plan not Funded. The SERP is an unfunded plan and its benefits are payable
solely from the general assets of the Corporation.

                             ARTICLE 10. FORFEITURES

     Notwithstanding any provision in the SERP to the contrary excepting only
the provisions of Article 12, in the event the Committee finds

          (a) that an Employee or former Employee who has an interest under the
SERP has been discharged by his or her Employer in the reasonable belief (and
such reasonable belief is the reason or one of the reasons for such discharge)
that the Employee or former Employee did engage in fraud against the Employer or
anyone else, or

          (b) that an Employee or former Employee who has an interest under the
SERP has been convicted of a crime as a result of which it becomes illegal for
his Employer to employ him or her; then any amounts held under the SERP for the
benefit of such Employee or former Employee or his or her beneficiaries shall be
forfeited and no longer payable to such Employee or former Employee or to any
person claiming by or through such Employee or former Employee.

     Each Participant agrees to the foregoing forfeiture provisions by his or
her acceptance of his or her invitation to participate in the SERP and by his or
her continued participation.

                     ARTICLE 11. RESTRICTIONS ON ASSIGNMENTS

     The interest of a Participant or his/her Death Beneficiary may not be sold,
transferred, assigned, or encumbered in any manner, either voluntarily or
involuntarily, and any attempt so to anticipate, alienate, sell, transfer,
assign, pledge, encumber, or charge the same shall be null and void; neither
shall the benefits hereunder be liable for or subject to the debts, contracts,
liabilities,

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engagements, or torts of any person to whom such benefits or funds are payable,
nor shall they be subject to garnishment, attachment, or other legal or
equitable process nor shall they be an asset in bankruptcy.

                          ARTICLE 12. CHANGE IN CONTROL

     12.1 Treatment of Benefits.

               In the event of a Change in Control:

                    (i) the Effective Date of such Change in Control shall be
          deemed a Vesting Event with respect to all Participants and Death
          Beneficiaries,

                    (ii) the rights of all Participants in their Accrued Benefit
          (or Minimum Benefit, if greater) hereunder as of the Effective Date of
          such Change in Control shall be 100% vested and nonforfeitable,
          notwithstanding any other provision hereof, and

                    (iii) each Participant who has not had a Benefit
          Commencement Date as of the Effective Date of such Change in Control
          shall be paid his or her Accrued Benefit (or Minimum Benefit, reduced
          for early commencement in accordance with the factors set forth in
          Table A, if greater) as a lump sum payment of an Actuarially
          Equivalent Benefit (or in such other form as the Participant shall
          have elected under Section 4.7 hereof) within ninety (90) days
          following the later of the Participant's: (A) Separation from Service;
          or (B) attainment of Age 55.

     12.2 Definition of Change in Control. "Change in Control" means the
occurrence of any of the following events:

                    (i) The Corporation is merged, consolidated or reorganized
          into or with another corporation or other legal person, and as a
          result of such merger, consolidation or reorganization less than
          sixty-five percent of the combined voting power of the
          then-outstanding securities of such corporation or person

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          immediately after such transaction are held in the aggregate by the
          holders of Voting Stock (as that term is hereafter defined)
          immediately prior to such transaction;

                    (ii) The Corporation sells or otherwise transfers all or
          substantially all of its assets to another corporation or other legal
          person, and as a result of such sale or transfer less than sixty-five
          percent of the combined voting power of the then-outstanding
          securities of such corporation or person immediately after such sale
          or transfer is held in the aggregate by the holders of Voting Stock
          immediately prior to such sale or transfer;

                    (iii) There is a report filed on Schedule 13D or Schedule
          14D-1 (or any successor schedule, form or report), each as promulgated
          pursuant to the Securities Exchange Act of 1934, as amended (the
          "Exchange Act"), disclosing that any person (as the term "person" is
          used in Section 13(d)(3) or Section 14(d)(2) of the Exchange Act) has
          become the beneficial owner (as the term "beneficial owner" is defined
          under Rule 13d-3 or any successor rule or regulation promulgated under
          the Exchange Act) of securities representing 15% or more of the
          combined voting power of the then-outstanding securities entitled to
          vote generally in the election of directors of the Corporation
          ("Voting Stock");

                    (iv) The Corporation files a report or proxy statement with
          the Securities and Exchange Commission pursuant to the Exchange Act
          disclosing in response to Form 8-K or Schedule 14A (or any successor
          schedule, form or report or item therein) that a change in control of
          the Corporation has occurred or will occur in the future pursuant to
          any then-existing contract or transaction; or

                    (v) If, during any period of two consecutive years,
          individuals who at the beginning of any such period constitute the
          Directors of the Corporation cease for any reason to constitute at
          least a majority thereof; provided, however, that for purposes of this
          clause (v) each Director who is first elected, or first

                                      -17-

<PAGE>

          nominated for election by the Corporation's stockholders, by a vote of
          at least two-thirds of the Directors of the Corporation (or a
          committee thereof) then still in office who were Directors of the
          Corporation at the beginning of any such period will be deemed to have
          been a Director of the Corporation at the beginning of such period.

     Notwithstanding the foregoing provisions of (iii) or (iv) above, unless
otherwise determined in a specific case by majority vote of the Board, a "Change
in Control" shall not be deemed to have occurred for purposes of (iii) or (iv)
above solely because (1) the Corporation, (2) an entity in which the Corporation
directly or indirectly beneficially owns 50% or more of the voting equity
securities (a "Subsidiary"), or (3) any employee stock ownership plan or any
other employee benefit plan of the Corporation or any Subsidiary either files or
becomes obligated to file a report or proxy statement under or in response to
Schedule 13D, Schedule 14D-1, Form 8-K or Schedule 14A (or any successor
schedule, form or report or item therein) under the Exchange Act disclosing
beneficial ownership by it of shares of Voting Stock, whether in excess of 15%
or otherwise, or because the Corporation reports that a change in control of the
Corporation has occurred or will occur in the future by reason of such
beneficial ownership.

     12.3 Effective Date of Change in Control. Notwithstanding the foregoing, in
the event a Change in Control ultimately results from discussions or
negotiations involving the Corporation or any of its officers or directors the
Effective Date of such Change in Control shall be the date such discussions or
negotiations commenced.

                  ARTICLE 13. BINDING ON CORPORATION, EMPLOYEES
                              AND THEIR SUCCESSORS

     The SERP shall be binding upon and inure to the benefit of the Corporation,
its successors and assigns and each Participant and his/her Death Beneficiaries,
heirs, executors, administrators and legal representatives.

                                      -18-

<PAGE>

                           ARTICLE 14. LAWS GOVERNING

     The SERP shall be construed in accordance with and governed by the laws of
the State of Ohio.

     Executed this _____ day of _______, 2006 at Cleveland, Ohio, but effective
as of January 1, 2005.

                                        NATIONAL CITY CORPORATION

                                        By:
                                            ------------------------------------

                                      -19-

<PAGE>

                                     TABLE A

                              SERP MINIMUM BENEFIT

                     Early retirement reduction percentages

<TABLE>
<CAPTION>
YEARS OF                                 AGE
 VESTING   ---------------------------------------------------------------
 SERVICE    55    56    57    58    59    60    61    62    63    64   65
--------   ---   ---   ---   ---   ---   ---   ---   ---   ---   ---   ---
<S>        <C>   <C>   <C>   <C>   <C>   <C>   <C>   <C>   <C>   <C>   <C>
   10       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   11       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   12       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   13       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   14       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   15       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   16       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   17       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   18       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   19       50%   54%   58%   62%   66%   70%   76%   82%   88%   94%  100%
   20       58%   64%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   21       58%   64%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   22       58%   64%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   23       58%   64%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   24       58%   64%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   25       58%   64%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   26       58%   64%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   27       61%   64%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   28       64%   67%   70%   76%   82%   88%   94%  100%  100%  100%  100%
   29       67%   70%   73%   76%   82%   88%   94%  100%  100%  100%  100%
   30       70%   73%   76%   79%   82%   88%   94%  100%  100%  100%  100%
   31       73%   76%   79%   82%   85%   88%   94%  100%  100%  100%  100%
   32       76%   79%   82%   85%   88%   91%   94%  100%  100%  100%  100%
   33       79%   82%   85%   88%   91%   94%   97%  100%  100%  100%  100%
   34       82%   85%   88%   91%   94%   97%  100%  100%  100%  100%  100%
   35       85%   88%   91%   94%   97%  100%  100%  100%  100%  100%  100%
   36       88%   91%   94%   97%  100%  100%  100%  100%  100%  100%  100%
   37       91%   94%   97%  100%  100%  100%  100%  100%  100%  100%  100%
   38       94%   97%  100%  100%  100%  100%  100%  100%  100%  100%  100%
   39       97%  100%  100%  100%  100%  100%  100%  100%  100%  100%  100%
   40      100%  100%  100%  100%  100%  100%  100%  100%  100%  100%  100%
</TABLE>

                                      -20-<PAGE>

                                                                   Exhibit 10.13

                            NATIONAL CITY CORPORATION

                            MANAGEMENT INCENTIVE PLAN
                               FOR SENIOR OFFICERS
                AS AMENDED AND RESTATED EFFECTIVE JANUARY 1, 2005

                       ARTICLE 1. THE PLAN AND ITS PURPOSE

1.1  AMENDMENT AND RESTATEMENT OF THE PREDECESSOR PLAN. This National City
     Corporation Management Compensation Plan for Senior Officers is hereby
     adopted, effective January 1, 2005 (herein referred as the "Plan") is an
     amendment, restatement and continuation of the National City Corporation
     Management Incentive Plan for Senior Officers effective February 23, 2004
     ("Predecessor Plan"). The Predecessor Plan was, in turn, an amendment,
     restatement and continuation of prior plans entitled "National City
     Corporation Management Incentive Plan for Senior Officers" in effect prior
     to February 23, 2004 ("Prior Plans").

1.2  EFFECTIVENESS. This Plan is effective on and after January 1, 2005, to
     provide for the operation of the Plan on and after such date.

1.3  PURPOSE. The purpose of the Plan is to maximize the Corporation's
     profitability and operating success by providing an incentive to officers
     to achieve superior results. The Plan is designed to promote teamwork to
     achieve overall corporate success and to motivate individual excellence.

1.4  OPERATION OF THE PLAN. The Plan shall be administered by the Committee. The
     Plan operates on a calendar year basis and is subject to the review,
     interpretation, and alteration by the Committee. The Plan is intended to
     serve only as a guide to the Corporation in determining eligibility for and
     amounts of incentive compensation to be awarded under the Plan.

1.5  TRANSFER OF ACCOUNT BALANCES. All Participants' deferred account balances
     maintained under the Prior Plans are governed by the terms of the National
     City Corporation Deferred Compensation Plan, effective January 1, 2001. In
     the event of any inconsistency between the terms of the Prior Plans and the
     National City Corporation Deferred Compensation Plan, effective January 1,
     2001, as amended from time to time (the "Deferred Comp Plan") the Deferred
     Comp Plan shall govern. Effective January 1, 2005, any Participant's
     election to defer amounts otherwise payable under the Plan shall be
     governed by the terms of the National City Corporation 2004 Deferred
     Compensation Plan. In the event of any inconsistency between the terms of
     the Plan and the National City Corporation 2004 Deferred Compensation Plan,
     as amended from time to time (the "2004 Deferred Comp Plan") the 2004
     Deferred Comp Plan shall govern.

<PAGE>

                             ARTICLE 2. DEFINITIONS

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

     (a)  "Base Salary" shall mean the annual salary as of the close of the Plan
          Cycle, exclusive of any bonuses, incentive pay, special awards, or
          stock options.

     (b)  "Board" shall mean the Board of Directors of the Corporation.

     (c)  "Change in Control" see Section 11.3.

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

     (e)  "Committee" shall mean the Compensation and Organization Committee of
          the Board, or another committee appointed by the Board to serve as the
          administering committee of the Plan.

     (f)  "Corporate Award" shall mean the payment earned by a Participant based
          on the Corporation's results as set forth in Section 4.1(b).

     (g)  "Corporation" shall mean National City Corporation, a Delaware
          corporation.

     (h)  "Covered Executive" shall mean any individual who, is, or is
          determined by the Committee to be likely to become, a "covered
          employee" within the meaning of Section 162(m) of the Code.

     (i)  "Disability" shall mean the inability, by reason of a medically
          determinable physical or mental impairment, to engage in substantial
          and gainful activity for a continuous period of 26 weeks or more as
          determined by the Committee.

     (j)  "Early Retirement" shall mean retirement at or after age 55 with at
          least ten years of service with the Employers prior to Normal
          Retirement.

     (k)  "Effective Date" see Section 11.4.

     (l)  "Eligible Employee" shall mean an Employee who is employed in a
          position meeting the defined eligibility criteria for participation in
          the Plan, as set forth in Article 3.

     (m)  "Employee" shall mean an individual employed by an Employer on an
          active basis.

     (n)  "Employer" shall mean the Corporation or any Subsidiaries.

                                       2

<PAGE>

     (o)  "Executive Officer" shall mean the chairman, chief executive officer,
          president, vice chairman, executive vice president or a similar
          officer of the Corporation, anyone designated by the Board as an
          executive officer of the Corporation or a Covered Executive.

     (p)  "Exchange Act" shall mean the Securities Exchange Act of 1934, as
          amended.

     (q)  "Individual Award" shall mean the payment earned by a Participant
          based on an evaluation of the individual's achievements. As such, the
          amount of any Individual Award under this Plan is determined by
          decision of and in the discretion of the Corporation acting through
          the Committee as hereinafter provided.

     (r)  "Implementation Date" see Section 11.5.

     (s)  "Key Indices" shall mean those indices used by the Corporation to
          measure profitability or overall operating performance. The indices
          shall be based on specific levels of or change in one or more of the
          following: return on common equity; return on assets; overhead ratio;
          efficiency ratio; net interest margin; total annual return on common
          stock; Total Stockholder Return; earnings per share; return on
          investment; revenue, expenses; market share; charge-offs and/or
          non-performing assets. These indices shall be determined in accordance
          with generally accepted accounting principles where applicable. The
          indices may also include the following objective non-financial
          measures: employee satisfaction; employee retention; customer
          satisfaction; customer retention; cross-selling; "percentage of
          wallet"; leadership; and/or management of change or business
          transformation. If the Board determines that a change in the business,
          operations, corporate structure or capital structure of the
          corporation, or the manner in which it conducts its business, or other
          events or circumstances render the Key Indices unsuitable, the Board
          may in its discretion modify such Key Indices, in whole or in part, as
          the Board deems appropriate and equitable, except in the case of a
          Covered Executive where such action would result in the loss of the
          otherwise available exemption of the award under Section 162(m) of the
          Internal Revenue Code. In such case, the Board shall not make any
          modification of the Key Indices.

     (t)  "Normal Retirement" shall mean leaving the employ of all Employers at
          or after the age 62 with at least twenty years of continuous service
          with the Employers or at or after the age 65 with at least five years
          of continuous service with the Employers.

     (u)  "Participant" shall mean an Eligible Employee who is approved for
          participation in the Plan, as set forth in Article 3. Such approval
          shall be on a Plan Cycle basis and shall be reviewed with respect to
          each new Plan Cycle.

     (v)  "Participation Portion" see Section 3.3.

                                       3

<PAGE>

     (w)  "Peer Group" shall mean a group of comparable corporations used to
          measure relative performance. The Peer Group shall be established by
          the Committee prior to March 31st of each Plan Cycle; thereafter, such
          Peer Group for such Plan Cycle shall not be changed, provided however,
          that one or more members of a Peer Group shall be dropped therefrom
          upon the announcement of a definitive agreement to (i) acquire the
          Peer Group member, (ii) the acquisition of sixty-five percent or more
          of the gross assets of the Peer Group member or (iii) the merger of
          the Peer Group member with another company(ies) where the Peer Group
          member's then current board of directors will not constitute a
          majority of the board of the surviving corporation.

     (x)  "Plan" see Section 1.1.

     (y)  "Plan Cycle" shall mean a period of a calendar year.

     (z)  "Restricted Stock Plans" see Section 9.1.

     (aa) "Subsidiary" shall mean an entity in which the Corporation directly or
          indirectly owns 50% of more of the voting equity securities.

     (bb) "Total Award" shall mean the Individual Award plus the Corporate
          Award.

     (cc) "Total Stockholder Return" with respect to a stock shall be calculated
          in the following manner:

          (i)  Add the Average Stock Price at the end of the Plan Cycle for such
               stock to the dividends paid on the stock during the Plan Cycle,
               and then subtract the Average Stock Price at the beginning of the
               Plan Cycle for such stock.

          (ii) Divide the resulting sum of (i) above by the Average Stock Price
               at the beginning of the Plan Cycle for such stock.

          (iii) The result equals Total Stockholder Return with respect to such
               stock for the Plan Cycle.

     (dd) "Vesting Event" shall mean the earliest to occur of the following
          dates:

          (1)  the date any award is paid, (2) the last date a benefit can be
               paid under the Plan,

          (3)  the Effective Date of a Change in Control,

          (4)  the date a Participant takes Normal Retirement,

          (5)  the date a Participant has a Disability, or

                                       4

<PAGE>

          (6)  the date of a Participant's death.

          Each Participant and beneficiary with respect to whom a Vesting Event
          has occurred shall be 100% vested in his benefits or Total Award
          earned or accrued hereunder as of the date of said Vesting Event,
          subject to the forfeiture provisions of Article 10.

     (ee) "Voting Stock" shall mean the then outstanding securities of a company
          entitled to vote generally in the election of directors.

2.2  GENDER AND NUMBER. Except when otherwise indicated by the context, any
     masculine terminology used herein also shall include the feminine, and the
     definition of any term in the singular shall include the plural.

                    ARTICLE 3. ELIGIBILITY AND PARTICIPATION

3.1  ELIGIBILITY. Eligibility for participation in the Plan will be limited to
     those Employees of the Corporation and Subsidiaries who, by the nature and
     scope of their position, play a key role in the management, growth and
     success of the Corporation, as determined by the Committee.

3.2  PARTICIPATION. Participation in the Plan for each Eligible Employee who is
     an Executive Officer shall be determined by the Committee with respect to
     each Plan Cycle prior to the commencement of the Plan Cycle, except as
     otherwise provided herein. The Committee may base its approval upon the
     recommendation of the Chief Executive Officer of the Corporation. The chief
     executive officer shall determine the participation of each Eligible
     Employee who is not An Executive Officer. Each Eligible Employee approved
     for participation shall be notified of the selection as soon after approval
     as is practicable and shall become a Participant upon acceptance by him of
     such selection.

3.3  PARTICIPATION FOR PART OF A PLAN CYCLE. In the event an Employee is an
     Eligible Employee for only a portion of a Plan Cycle ("Participation
     Portion") such Eligible Employee may, in the Committee's discretion, be a
     Participant for such portion of the Plan Cycle but his Total Award will be
     based upon his Base Salary at the end of such Participation Portion and
     such Total Award will normally be prorated to reflect the number of months
     in the Participation Portion of the Plan Cycle compared to the number of
     months in the total Plan Cycle. A Covered Executive may not be made a
     Participant after the beginning of a Plan Cycle.

3.4  CHANGES DURING A PLAN CYCLE. In the event a Participant is promoted or
     demoted, the Committee may, in its discretion, (i) continue such
     Participant's maximum Total Award as it was prior to such promotion or
     demotion, (ii) provide the Participant from and after the promotion or
     demotion with a higher or lower maximum Total Award, (iii) provide for a
     combination of (i) and (ii), or (iv) after a demotion remove the
     Participant from further participation in the Plan.

                                       5

<PAGE>

     (a)  In the event of a Plan Cycle for which the Participant's participation
          is thus split between two maximum Total Awards, the Total Award for
          such Plan Cycle will normally be prorated to reflect the portions of
          the Plan Cycle spent under each maximum Total Award and each part of
          the Total Award will be based upon the Participant's Base Salary at
          the end of the appropriate portions of the Plan Cycle.

     (b)  The Committee may not increase a Covered Executive's maximum Total
          Award during a Plan Cycle.

3.5  PORTIONS OF PLAN CYCLES-SETTING OF INDIVIDUAL OBJECTIVES. Notwithstanding
     Sections 3.3 and 3.4, no portion of a Plan Cycle with respect to a
     Participant shall be considered to be a separate portion of participation
     for a Participant unless, prior thereto, individual achievement objectives
     are set for such Participant for such portion of a Plan Cycle pursuant to
     Article 4, or are waived by the Committee, in its discretion.

3.6  NO RIGHT TO PARTICIPATE. No Participant or Employee shall have a right at
     any time to be selected for current or future participation in the Plan.

                       ARTICLE 4. PERFORMANCE MEASUREMENT

4.1  PERFORMANCE CRITERIA. Performance, for purposes of this Plan, will be
     measured in terms of the Participant's individual contribution and in terms
     of the Corporation's performance.

     (a)  Individual Awards will be determined by comparing actual individual
          and group achievements during the Plan Cycle to established objectives
          for the Plan Cycle. Not later than 90 days after the commencement of
          each Plan Cycle each Participant shall establish objectives for the
          Plan Cycle. Such objectives shall be broad in nature, may be
          quantitative or qualitative, will typically be five in number and may
          include the achievement of group or divisional goals as well as
          individual goals. The objectives for Participants other than the chief
          executive officer of the Corporation shall be subject to the review,
          revision and approval of their superiors and the objectives for the
          chief executive officer shall be subject to the review, revision and
          approval of the Committee.

          (1)  INDIVIDUAL AWARD POTENTIAL. The Committee shall establish in
               writing the maximum Individual Awards for each Participant not
               later than 90 days after the commencement of each Plan Cycle.

          (2)  INDIVIDUAL AWARD CALCULATION AND APPROVAL. An evaluation of the
               individual performance for each Participant for each Plan Cycle
               will be determined as of the December 31st on which the Plan
               Cycle ends by applying the foregoing provisions of this Article 4
               to the Participant's Individual Contribution for such Plan Cycle.
               Based on the evaluation, the chief executive officer of the
               Corporation shall recommend

                                       6

<PAGE>

               to the Committee for approval an appropriate Total Award for each
               of the Participants who is an Executive Officer. The chief
               executive officer shall also determine the Total Award of all
               Participants other than Executive Officers which shall be deemed
               approved by the Committee upon (1) the completion by the chief
               executive officer of a list of such Individual Awards, and (2)
               the Committee's approval of the aggregate dollar amount of such
               Individual Awards. The chief executive officer shall recommend to
               the Committee for approval the Individual Awards and Total Awards
               for each of the Executive Officers.

          (3)  All such Individual Awards may, for convenience purposes, be
               expressed as a percentage of Base Salary or some other criteria.
               Upon the approval of the Committee the amounts of Individual
               Awards hereunder for a Plan Cycle shall be final.

          (4)  No Individual Awards shall be paid to any Participant for a Plan
               Cycle during which the Participant is a Covered Executive.

     (b)  Corporate Awards will be determined by comparing corporate performance
          with respect to Key Indices. The performance may be relative to
          pre-established goals, that of the Peer Group or any other objective
          standard established by the Committee. Not later than 90 days after
          the commencement of each Plan Cycle, the Committee shall establish in
          writing the Peer Group, if any, the Key Indices, the weighting of the
          Key Indices chosen, and the levels of comparative performance (the
          performance of goals may be stated as alternative goals) at which the
          maximum Corporate Award will be provided under the Plan.

          (1)  CORPORATE AWARD POTENTIAL. The Committee shall establish in
               writing the maximum Corporate Awards for each Participant not
               later than 90 days after the commencement of each Plan Cycle.

          (2)  CORPORATE AWARD CALCULATION AND APPROVAL. The amount of the
               Corporate Award for each Participant for each Plan Cycle will be
               calculated as of the December 31st on which the Plan Cycle ends
               by applying the provisions of this Section 4.1 to the
               Corporation's performance for such Plan Cycle. Corporate Awards
               may, for convenience purposes, be expressed as a percentage Base
               Salary or some other criteria. Upon the close of the Plan Cycle
               the amounts of Corporate Awards hereunder for such Plan Cycle
               shall be determined. The Committee has the discretion to reduce
               the Corporate Award payable to any Participant notwithstanding
               attainment of any performance goal. Notwithstanding the
               occurrence of a Vesting Event, the Committee may reduce or
               eliminate a Corporate Award to any or all Participants at any
               time prior to the payment of the Total Award or an Implementation
               Date of a Change in Control.

                                       7

<PAGE>

4.2  LIMITATION. Notwithstanding any provision of this Plan to the contrary, no
     Total Award to any Covered Executive for any given Plan Cycle shall exceed
     1.0% of the Corporation's earnings before taxes and any one time earnings,
     expenses or charges.

                       ARTICLE 5. PAYMENT OF TOTAL AWARDS

5.1  FORM AND TIMING OF PAYMENT OF TOTAL AWARDS. On or before March 15th of the
     calendar year following the end of the Plan Cycle, the Participant shall be
     entitled to receive a cash payment(s) equal to the entire amount of the
     Participant's Total Award. Except as otherwise provided for in Section 5.2,
     to receive a Total Award a Participant must be an Employee on the date on
     which the Plan Cycle ends; provided, however, the Committee or the Chief
     Executive Officer may reduce or terminate a Participant's Total Award prior
     to any Vesting Event if such Participant fails to continue to be an
     Employee.

5.2  TERMINATION OF EMPLOYMENT DUE TO RETIREMENT, DISABILITY OR DEATH. In the
     event a Participant's employment is terminated during a Plan Cycle by
     reason of Normal Retirement, Disability or Death, the Participant shall be
     eligible to receive a prorated Total Award based on individual contribution
     during the Participant's participation in the Plan Cycle and the
     Corporation's performance for the year, provided however, that the
     Participant must have been a Participant in the Plan for at least three
     months of the Plan Cycle to be eligible to receive any Total Award
     hereunder. Such Total Awards will be paid on or before March 15th of the
     calendar year following the end of the Plan Cycle. In the event of death,
     the Total Award will be paid to the Participant's estate.

5.3  TERMINATION OF EMPLOYMENT DUE TO EARLY RETIREMENT. The Committee may elect,
     in its discretion, to pay a prorated Total Award to a Participant who
     terminates employment by means of an Early Retirement prior to a Vesting
     Event; in the absence of such favorable discretionary action by the
     Committee, no such pro-rated Total Award shall be paid.

5.4  OTHER TERMINATIONS OF EMPLOYMENT. In the event a Participant's employment
     is terminated for any reason other than Normal Retirement during a Plan
     Cycle prior to a Vesting Event, the Participant's participation in such
     Plan Cycle shall end and the Participant shall not be entitled to any Total
     Award for such Plan Cycle.

5.5  REQUEST TO RECEIVE RESTRICTED STOCK; RESTRICTED STOCK PAYMENTS. The
     Committee may determine that one or more Participants should be eligible to
     elect to request to have a portion or all of his Total Award for a Plan
     Cycle paid in Restricted Stock. Such request by an eligible Participant
     shall be considered by the Committee. The Committee may determine that
     some, all, or none of the Total Awards, or parts thereof, shall be paid in
     Restricted Stock, in its discretion. Restricted stock payments are subject
     to the provisions of Article 9.

                                       8

<PAGE>

                        ARTICLE 6. RIGHTS OF PARTICIPANTS

6.1  EMPLOYMENT. Nothing in this Plan shall interfere with or limit in any way
     the right of the Corporation to terminate a Participant's employment at any
     time, nor confer upon any Participant any right to continue in the employ
     of the Employer.

6.2  RESTRICTIONS ON ASSIGNMENTS. The interest of a Participant or his
     beneficiary under this Plan may not be sold, transferred, assigned, or
     encumbered in any manner, either voluntarily or involuntarily, and any
     attempt to so anticipate, alienate, sell, transfer, assign, pledge,
     encumber, or charge the same shall be null and void; neither shall the
     benefits hereunder be liable for or subject to the debts, contracts,
     liabilities, engagements, or torts of any person to whom such benefits or
     funds are payable, nor shall they be subject to garnishment, attachment, or
     other legal or equitable process, nor shall they be an asset in bankruptcy.

                           ARTICLE 7. ADMINISTRATION

7.1  ADMINISTRATION. The Plan shall be administered by the Committee in
     accordance with any administrative guidelines and any rules that may be
     established from time to time by the Committee. The procedures, standards
     and provisions of this Plan for determining eligibility for and amounts of
     Total Awards are, except for Covered Employees, intended only as a guide
     and in themselves confer no rights, duties or privileges upon Participants
     nor place any obligation upon the Committee, the Board or the Corporation.
     Accordingly, the Committee may, in making its determinations hereunder,
     deviate from such procedures and standards in whatever manner that it, in
     its judgment, deems appropriate so long as no Total Award shall exceed the
     Section 4.2 limitation.

     (a)  The Committee shall have full power and authority to interpret,
          construe and administer the Plan and its interpretations and
          construction hereof, and actions hereunder, including the timing,
          form, amount or recipient of any payment to be made hereunder, and its
          decisions shall be binding and conclusive on all persons for all
          purposes.

     (b)  The Committee may name assistants who may be, but need not be, members
          of the Committee. Such assistants shall serve at the pleasure of the
          Committee, and shall perform such functions as may be assigned by the
          Committee.

     (c)  No member of the Committee or any assistant shall be liable to any
          person for any action taken or omitted in connection with the
          interpretation and administration of this Plan unless attributable to
          his own willful misconduct or lack of good faith.

                         ARTICLE 8. REQUIREMENTS OF LAW

8.1  LAWS GOVERNING. This Plan shall be construed in accordance with and
     governed by the laws of the State of Ohio.

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8.2  WITHHOLDING TAXES. The Corporation shall have the right to deduct from all
     payments under this Plan any federal or state taxes required by the law to
     be withheld with respect to such payments.

8.3  PLAN BINDING ON CORPORATION, Employees and Successors. This Plan shall be
     binding upon and inure to the benefit of the Corporation, its successors
     and assigns and each Participant and his beneficiaries, heirs, executors,
     administrators and legal representatives.

                           ARTICLE 9. RESTRICTED STOCK

9.1  RESTRICTED STOCK. The Restricted Stock referred to in this Plan shall be
     restricted stock granted pursuant to the National City Corporation 1997
     Restricted Stock Plan, the National City Corporation 2002 Restricted Stock
     Plan or the National City Corporation Long-Term Cash and Equity Incentive
     Plan, as such plans are amended from time to time ("Restricted Stock
     Plans") and/or restricted stock units ("Restricted Stock") granted pursuant
     to the National City Corporation Long-Term Cash and Equity Incentive Plan,
     as such plan is amended from time to time. Any awards of Restricted Stock
     will be made at the discretion of the Committee and shall be subject to the
     terms, conditions and restrictions contained in the Restricted Stock Plans
     and the award agreement controlling each Restricted Stock award grant.

9.2  ELECTION TO REQUEST RESTRICTED STOCK. Prior to the end of each Plan Cycle,
     the Committee shall determine which Participants, if any, shall be eligible
     to request payment of all or a portion of their Total Award in the form of
     Restricted Stock. Each Participant who is therefore eligible to elect to
     request payment of all or a portion of his Total Award for such Plan Cycle
     in the form of Restricted Stock, shall be given the opportunity prior to
     the end of such Plan Cycle, to make such request. Covered Executives,
     however, must elect Restricted Stock prior to the 90th day after the
     commencement of each Plan Cycle. Such election and the percentage of Total
     Award requested to be paid in the form of Restricted Stock shall be
     irrevocable and fixed with respect to such Participant and such Plan Cycle
     as of the end of such Plan Cycle. The request and determination of the
     portion of the Total Award to be paid in the form of Restricted Stock shall
     be made in terms of such increments of the Total Award as may be
     established by the Committee from time to time. Notwithstanding the
     foregoing, no Participant shall be eligible to elect to request the payment
     of any portion of his Total Award in Restricted Stock where such
     Participant has previously elected to defer the payment of that portion of
     his Total Award under the 2004 Deferred Comp Plan.

9.3  RESTRICTED STOCK AWARDS; COMMITTEE'S DECISION. Notwithstanding any request
     by a Participant pursuant to Section 9.1 above to receive none, a portion
     or all of a Total Award in the form of restricted Stock, and not
     withstanding the Committee's prior determination as to the eligibility of
     any Participant to elect to receive a part or all of their Total Award in
     the form of restrict stock, the Committee shall make the decision, in the
     case of each Participant, whether or not to pay any portion or all of any

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     Participant's Total Award with respect to any Plan Cycle. Such decision
     shall be made in the discretion of the Committee, which extends to the
     percentage of any Total Award to be paid in the form of Restricted Stock;
     provided, however, that no portion of a Participant's Total Award which as
     been electively deferred under the 2004 Deferred Comp Plan shall be paid in
     the form of Restricted Stock. The Committee's decision shall be final and
     binding on all parties.

9.4  DETERMINATION OF THE NUMBER OF SHARES OF RESTRICTED STOCK. The number of
     shares of Restricted Stock to be granted to a Participant shall be
     determined as follows:

     (a)  The Committee shall determine the Participant's Total Award for the
          applicable Plan Cycle in accordance with Article 4 of this Plan.

     (b)  The appropriate percentage of the Total Award to be paid in Restricted
          Stock as determined in Section 9.3 shall be multiplied by the
          Participant's Total Award for such Plan Cycle.

     (c)  The product from Section 9.4(b) shall be multiplied by a percentage
          determined by the Committee from time to time but not to exceed 125%.
          The Committee may establish different percentages for different
          Participants.

     (d)  The product from Section 9.4(c) shall be divided by the closing price,
          per share, of the shares of common stock of the Corporation on the New
          York Stock Exchange on the last trading day of the month of January
          following such Plan Cycle.

     (e)  The quotient determined in Section 9.4(d) above shall be rounded to
          the nearest whole share. No fractional shares of Restricted Stock
          shall be awarded.

9.5  RESTRICTIONS. It is currently anticipated that the restricted period, with
     respect to the Restricted Stock Plan restrictions on all Restricted Stock
     awarded hereunder shall fully expire, on the earliest of (i) the
     Participant's death, (ii) the Participant's Disability, (iii) Effective
     Date of a Change in Control or (iv) one year after the date of the
     Restricted Stock award.

9.6  ALTERNATIVES TO THE RESTRICTED STOCK PLANS. If the Restricted Stock Plans
     are terminated at any time and a new plan is adopted which provides similar
     benefits or is intended to replace the Restricted Stock Plans, then such
     new plan shall be utilized for making the Restricted Stock grant. Should no
     Restricted Stock plan be available the amount of the Restricted Stock
     payment will, at the sole discretion of the Corporation, be made in an
     alternative form which would not restrict receipt of shares of the
     Corporation's common stock beyond the period of time provided in the
     anticipated Restricted Stock grant, or in cash.

                             ARTICLE 10 FORFEITURES

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Notwithstanding any provision in this Plan to the contrary excepting only the
provisions of Article 11, in the event the Committee finds:

     (a) that an Employee or former Employee who has an interest under this Plan
has been discharged by his Employer in the reasonable belief (and such
reasonable belief is the reason or one of the reasons for such discharge) that
the Employee or former Employee did engage in fraud against the Employer or
anyone else, or

     (b) that an Employee or former Employee who has an interest under this Plan
has been convicted of a crime as a result of which it becomes illegal for his
Employer to employ him, then any amounts held under this Plan for the benefit of
such Employee or former Employee or his beneficiaries shall be forfeited and no
longer payable to such Employee or former Employee or to any person claiming by
or through such Employee or former Employee.

                          ARTICLE 11 CHANGE IN CONTROL

11.1 TREATMENT OF TOTAL AWARDS. In the event of a Change in Control, the
     Corporation shall pay to each Participant who is participating in a Plan
     Cycle on the Implementation Date of such Change in Control, a lump sum cash
     payment equal to the amount hereinafter determined. Such payment shall be
     paid in cash to the Participant within five business days after the
     Implementation Date of the Change in Control and shall be payment in full
     to each Participant for the Plan Cycle, and such Plan Cycle shall be deemed
     terminated by operation of this Article 12. No further Plan Cycles shall
     commence thereafter under this Plan. Such cash payment shall be made
     without regard to any request to defer made with respect to any such Plan
     Cycle (which shall be inoperative) and without regard to any deferral
     action by the Committee.

11.2 AMOUNT OF PAYMENT. The amount of the payment to be made as a consequence of
     a Change in Control with respect to the Plan Cycle ending on the Effective
     Date of the Change in Control, shall be equal to the maximum Total Award
     which could be paid hereunder for the full Plan Cycle to each Participant
     only pro-rated, however, to reflect late commencement of participation in a
     Plan Cycle and/or promotions or maximum Total Award during a Plan Cycle,
     consistent with Sections 3.4 and 3.5 of the Plan.

11.3 DEFINITION OF CHANGE IN CONTROL. "Change in Control" shall mean the
     occurrence of any of the following events:

     (a)  The Corporation is merged, consolidated or reorganized into or with
          another corporation or other legal person, and as a result of such
          merger, consolidation or reorganization less than sixty-five percent
          of the combined voting power of the then-outstanding securities of
          such corporation or person immediately after such transaction are held
          in the aggregate by the holders of Voting Stock of the Corporation
          immediately prior to such transaction;

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     (b)  The Corporation sells or otherwise transfers all or substantially all
          of its assets to another corporation or other legal person, and as a
          result of such sale or transfer less than sixty-five percent of the
          combined voting power of the then-outstanding Voting Stock of such
          corporation or person immediately after such sale or transfer is held
          in the aggregate by the holders of Voting Stock of the Corporation
          immediately prior to such sale or transfer;

     (c)  The Corporation files a report or proxy statement with the Securities
          and Exchange Commission pursuant to the Exchange Act disclosing in
          response to Form 8-K or Schedule 14A (or any successor schedule, form
          or report or item therein) that a change in control of the Corporation
          has occurred or will occur in the future pursuant to any then-existing
          contract or transaction; or

     (d)  If, during any period of two consecutive years, individuals who at the
          beginning of any such period constitute the Directors of the
          Corporation cease for any reason to constitute at least a majority
          thereof; provided, however, that for purposes of this clause (d) each
          Director who is first elected, or first nominated for election by the
          Corporation's stockholders, by a vote of at least two-thirds of the
          Directors of the Corporation (or a committee thereof) then still in
          office who were Directors of the Corporation at the beginning of any
          such period will be deemed to have been a Director of the Corporation
          at the beginning of such period.

     (e)  Notwithstanding the foregoing provisions of Sections 11.3(a), 11.3(b)
          or 11.3(c), in the case where the individuals who constitute the
          Directors of the Corporation at the time a specific transaction
          described in Sections 11.3(a), 11.3(b) or 11.3(c) is first presented
          or disclosed to the Board will, by the terms of the definitive
          agreement for that transaction, constitute at least a majority of the
          members of the board of directors of the resulting corporation or
          person immediately following such transaction, then, prior to the
          occurrence of any event that would otherwise constitute a Change in
          Control under any of the foregoing provisions of this Section 11.3,
          the Board may determine by majority vote of the Board that the
          specific transaction does not constitute a Change in Control under
          Sections 11.3(a), 11.3(b) or 11.3(c).

11.4 EFFECTIVE DATE OF CHANGE IN CONTROL. Notwithstanding the foregoing, in the
     event a Change in Control ultimately results from discussions or
     negotiations involving the Corporation or any of its officers or directors,
     the "Effective Date" of such Change in Control shall be the date
     uninterrupted discussions or negotiations commenced; otherwise, such
     Effective Date of a Change in Control shall be the Implementation Date of
     such Change in Control.

11.5 IMPLEMENTATION DATE OF CHANGE IN CONTROL. The "Implementation Date" shall
     be the earliest to occur of the events specified in Section 11.3. As used
     herein, the Implementation Date of a Change in Control shall be the last
     date of the then current Plan Cycle.

                                       13

<PAGE>

11.6 EFFECT OF CHANGE IN CONTROL. In addition to other vesting under the Plan,
     the opportunity of a Participant to participate until the current Plan
     Cycle ends or is terminated is vested in such Participant in the event of a
     Change in Control, as of the Effective Date of such Change in Control.

                            ARTICLE 12. MISCELLANEOUS

In the event of the liquidation of the Corporation the Committee may make any
provisions for holding, handling and distributing the amounts standing to the
credit of the Participants or beneficiaries hereunder which, in the discretion
of the Committee which in the discretion of the Committee, are appropriate and
equitable under all circumstances and which are consistent with the spirit and
purposes of these provisions.

                    ARTICLE 13. AMENDMENT AND DISCONTINUANCE

The Corporation expects to continue this Plan indefinitely, but reserves the
right, by action of the Committee, to amend it from time to time, or to
discontinue it if such a change is deemed necessary or desirable except that
stockholder approval shall be required for any amendment or modification of this
Plan that, in the opinion of the Corporation's counsel, would be required by
Section 162(m) of the Internal Revenue Code of 1986, as amended, or any
regulations promulgated thereunder. However, if the Committee should amend or
discontinue this Plan, the Corporation shall remain obligated under the Plan
with respect to (1) Total Awards made final (and thus payable) by decision by
the Committee prior to the date of such amendment or discontinuance, and (2)
Total Awards and rights of any Participant or beneficiary with respect to whom a
Vesting Event has occurred.

Executed this ____ day of __________, 2006 at Cleveland, Ohio but effective
January 1, 2005.

                                        NATIONAL CITY CORPORATION

                                        By:
                                            ------------------------------------

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