Document:

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                                                                  Exhibit 10.25

                            NATIONAL CITY CORPORATION

                     SUPPLEMENTAL CASH BALANCE PENSION PLAN

                   (as Amended and Restated November 1, 2001)

                       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 Cash Balance Plan
(herein referred to as the "Plan") effective as of November 1, 2001 (herein
referred to as the "Effective Date"), which is an amendment and restatement of
the Plan which was in effect prior thereto. The Plan as amended and restated
herein is effective as of the Effective Date with respect to certain employees
who retire, become disabled, die or otherwise terminate employment on or after
the Effective Date. Benefits with respect to Employees who retired, became
disabled, died or otherwise terminated employment prior to the Effective Date
shall be governed by the provisions of the relevant plans in effect on the date
of such death, disability, retirement or other termination and not by the
provisions of the Plan.

      1.2 Purpose. The purpose of the Plan is to provide for the payment of
certain pension 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 Plan to recognize the value to the Corporation
of the past and present service of employees covered by the Plan 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 Plan. The Plan 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: The benefit to which a Participant is entitled
at any date expressed as a monthly benefit payable in the form of a single life
annuity commencing on such date that is equal to the amount determined by
dividing (a) by (b), where (a) is the Participant's Supplemental Cash Balance
Account as of such date and (b) is the immediate annuity factor for one dollar
of benefit payable as a single life annuity based upon the Participant's age in
completed years and months as of such date. The immediate annuity factor shall
be based on the applicable actuarial assumptions set forth in the NC Retirement
Plan.

            (b) Active Participant: A Participant shall be an Active Participant
for a Plan Year if the sum of his/her "Earnings" under the NC Retirement Plan
together with his/her Supplemental Earnings exceeds the annual limit on
compensation set forth in Section 401(a)(17) of the Internal Revenue Code, as in
effect for such Plan Year.

            (c)   Actuarially Equivalent Benefit: The actuarially equivalent
benefit determined under the Plan using the actuarial factors set forth in
the NC Retirement Plan.

            (d) Benefit Commencement Date : 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 benefit is actually paid or
commences to be paid on such date.

            (e)   Change in Control:  The term "Change in Control" shall have
the meaning set forth in Section 11.2 of the Plan.

            (f) Corporation: National City Corporation, a Delaware corporation,
and any successor corporation.

            (g) Committee: The Compensation and Organization Committee of the
Board of Directors of the Corporation.

            (h) Current Supplemental Cash Balance Account: As of any date, the
Participant's Supplemental Cash Balance Account as determined by taking into
account the Participant's Supplemental Pay Credits as of such date and Interest
Credits through that date (without regard to Interest Credits, if any, provided
for under the Plan for periods after that date).

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            (i) Death Beneficiary: The person (natural or legal) who may be
entitled to receive benefits payable under the Plan 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
NC Retirement Plan.

            (j) Effective Date: See Section 1.1.

            (k) Employee: An individual employed with an Employer

            (l) Employer: The Corporation or any corporation, organization or
entity controlled by the Corporation.

            (m) FICA: The Federal Insurance Contributions Act.

            (n) Interest Credits: Each Supplemental Cash Balance Account shall
be credited with interest. The annual rate of interest to be credited shall be
the applicable rate of interest set forth in Section 1.1(2) of the NC Retirement
Plan. No interest shall be credited for periods after the Participant's Benefit
Commencement Date.

            (o) Internal Revenue Code: The Internal Revenue Code of 1986, as
amended and in effect from time to time of the effective date(s) of such
amendment(s), and the same is hereby specifically referred to.

            (p) NC Retirement Plan: The National City Non-Contributory
Retirement Plan as amended and restated as of January 1, 1999 and as may be
amended and restated from time to time thereafter

            (q) Normal Retirement Date: The term "Normal Retirement Date" shall
have the same meaning as in the NC Retirement Plan.

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            (r) Participant: An Employee who has been selected by the Plan
Administrator or the Committee pursuant to Article 3 of the Plan for
participation in the Plan.

            (s) Plan: The Supplemental Cash Balance Plan as effective on and
after the Effective Date.

            (t) Plan Administrator: The 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 Plan.

            (u) Plan Year: The 12-month period commencing on January 1 and
ending on December 31 of each year.

            (v) Supplemental Cash Balance Account: The notional account
established and maintained for a Participant which shall be credited with (a)
Supplemental Pay Credits and (b) Interest Credits.

            (w) Supplemental Early Retirement Benefit: The early retirement
benefit provided for by Section 4.3 of the Plan.

            (x) Supplemental Earnings: All compensation paid to an Employee or
electively deferred by an Employee excluding:

                  (1) 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 adjustments on certain
                  payments, the lapse of restricted stock, payments under
                  nonqualified retirement plans,

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                  lump sum severance payments and amounts not taxable to an
                  Employee; and

                  (2) bonuses, commissions, incentive compensation payments
                  (other than all forms of long-term incentive compensation
                  payments excluded under paragraph (1) above) or other forms of
                  special compensation, whether paid in cash to or electively
                  deferred by an Employee, to the extent the total of such
                  amounts exceeds $500,000;

reduced by the amount credited as "Earnings" under the NC Retirement Plan.

            (y) Supplemental Late Retirement Benefit: The late retirement
benefit provided for by Section 4.3 of the Plan.

            (z) Supplemental Normal Retirement Benefit: The benefit provided for
by Section 4.2 of the Plan.

            (aa) Supplemental Pay Credits: A Supplemental Pay Credit shall be
credited to the Supplemental Cash Balance Account of each Participant who was an
Active Participant during that Plan Year. The Supplemental Pay Credit shall be
calculated in the same manner as "Pay Credits" are calculated under Section
1.1(33)(a) of the NC Retirement Plan, except that: (1) such Supplemental Pay
Credits shall be calculated on the basis of Supplemental Earnings; and (2) such
Supplemental Pay Credits shall be calculated without regard to any "additional
Pay Credits" which might be credited under Section 1.1(33)(b) of the NC
Retirement Plan.

            (bb) Supplemental Retirement Benefit: The benefit provided for by
Section 4.1 of the Plan.

            (cc) Vesting Event: The earliest of the following dates with respect
to a Participant:

                  (1)   the later of the date the Participant: (i) has
                        attained age fifty-five (55) or (ii) has completed
                        five (5) years of Vesting Service;

                  (2)   the date any benefit is in payment status hereunder; or

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                  (3)   the Effective Date of a Change in Control (as determined
                        in accordance with Section 11.3).

            (dd) Vesting Service: Vesting Service shall mean Vesting Service as
determined under the NC Retirement Plan as in effect from time to time.

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

                    ARTICLE 3. ELIGIBILITY AND PARTICIPATION

      3.1 Eligibility. The eligibility for benefits under the Plan shall be
limited to management and highly-compensated Employees. The Plan Administrator
shall, from time to time and in its discretion designate certain Employees of
the Corporation or its subsidiaries to be eligible for benefits under the Plan.
Notwithstanding the above, the Committee may from time to time direct the Plan
Administrator regarding the designation of certain Employees as to eligibility
for benefits under the Plan. In such instances the Plan Administrator shall have
no discretion and shall follow the instructions of the Committee.

      3.2 Removal from Participation. The Committee may, from time to time and
in its sole discretion, remove any employee from the list of eligible Employees,
provided such removal shall be effective only upon communication thereof in
writing to the Participant prior to the earlier to occur of the following dates:
(1) the date of the Participant's death, disability, or retirement, whichever
first occurs, and (2) the date of the Committee's approval of the Participant's
Early Retirement as provided for in Article 4 hereof, 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 Plan.

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                       ARTICLE 4. PLAN RETIREMENT BENEFIT

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

      4.2   Eligibility for Supplemental Normal Retirement Benefit.  Each
Participant becomes eligible for a Supplemental Normal Retirement Benefit
upon his/her Normal Retirement Date.

      4.3 Eligibility for Late or Early Retirement Benefit. A Participant shall
become eligible for a Supplemental Early Retirement upon the first day of the
calendar month following the later of (i) the Participant's attainment of age 55
and, (ii) his/her completion of 10 years of Vesting Service. Notwithstanding the
foregoing, a Participant may also become eligible for a Supplemental Early
Retirement Benefit prior to attainment of age 55, or may continue in employment
after age 65 and thus become eligible for a Supplemental Late Retirement
Benefit, but only upon the approval of the Committee, acting in its sole
discretion.

      4.4 Supplemental Normal Retirement Benefit. The annual Supplemental Normal
Retirement Benefit shall be an amount per month equal to the Participant's
Accrued Benefit. Such Supplemental Normal Retirement Benefit shall begin with
the month following the termination of employment and continue 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 Supplemental Late Retirement Benefit. The annual Supplemental Late
Retirement Benefit shall be an amount per month equal to the Participant's
Accrued Benefit. Such Supplemental Late Retirement Benefit shall begin with the
month following the termination of employment and continue 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 Supplemental Early Retirement Benefit. The annual Supplemental Early
Retirement Benefit shall be an amount per month equal to the Participant's
Accrued Benefit as of his/her benefit commencement date. A Participant may elect
to receive a Supplemental Early

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Retirement Benefit commencing on the first day of any month (not later than the
first day of the month following his/her Normal Retirement Date) designated by
him/her which date is subsequent to his/her termination of employment 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.

      4.7 Offset of Supplemental Retirement Benefit. During the first five years
of payment of any Plan benefits, the amount otherwise payable to a Participant
or Death Beneficiary hereunder shall be reduced by 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 6.3 of the Plan ("FICA Payment") divided by five
(with the consequent loss to the Employer in the event the benefits cease before
the end of the five year period). Further, to the extent the Participant's or
Death Beneficiary's benefit under the Plan is distributed in whole or in part by
lump sum payment, the FICA Payment shall be deducted from such lump sum payment
(to zero, if such be the case) and any FICA Payment not so reimbursed shall be
divided equally among the benefit payments scheduled over the next five years.

      4.8 Payment of Plan Retirement Benefit. The Plan Retirement Benefit shall
be payable pursuant to the same optional forms as are permitted to be elected
under the NC Retirement Plan other than the Partial Lump Sum Option thereunder,
provided however, that (1) the form and method of payment is subject to the
approval of the Plan Administrator, acting in its discretion, and (2) there
shall be no requirement for consent of Participant's spouse for any election to
be effective under the Plan. Notwithstanding anything in this Section 4.8 to the
contrary, the Plan Administrator in its sole discretion may select a combination
of methods of payment of the Plan Retirement Benefit and may permit or require a
Participant to receive his/her Plan Retirement Benefit in whole or in part as a
lump sum payment.

                    ARTICLE 5. SUPPLEMENTAL SURVIVOR BENEFIT

      5.1 Eligibility for Supplemental Survivor Benefit. If a Participant dies
before his/her Benefit Commencement Date, his/her Death Beneficiary shall be
entitled to a monthly

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supplemental survivor benefit payable in the form of a single life annuity for
the rest of his/her life. If the Participant dies before he/she has satisfied
the eligibility requirements for an early or normal retirement benefit under the
plan, the amount of such supplemental survivor benefit shall be equal to 50% of
the Participant's Accrued Benefit. If the Participant dies after he/she has
satisfied the eligibility requirements for an early or normal retirement benefit
under the plan, the amount of such supplemental survivor benefit shall be equal
to 66-2/3% of the Participant's Accrued Benefit. If any survivor benefit is paid
or commences to be paid prior to the date on which the Participant would have
attained his/her Normal Retirement Date, the amount of such survivor benefit
shall be based upon the current Supplemental Cash Balance Account as of such
earlier date. In lieu of the benefit payable in the form of a single life
annuity, the Death Beneficiary may elect to have the survivor benefit paid in
the form of a single lump sum payment which is the Actuarial Equivalent Benefit
of such single-life annuity.

      5.2 Commencement of Survivor Benefit. The survivor benefit provided in
Section 5.1 shall commence to be paid to the Death Beneficiary on the first day
of any month after the Participant's Death, but in no event later than the
December 1 of the calendar year immediately following the calendar year in which
the Participant died. Notwithstanding the foregoing provision of this Section,
if a Death Beneficiary does not elect to receive or commence to receive his/her
survivor benefit at least 30 days before the December 1 of the calendar year
immediately following the calendar year in which the Participant died, the
survivor benefit shall be paid to the Death Beneficiary in the form of a single
lump sum distribution by the December 31 of the calendar year.

                            ARTICLE 6. MISCELLANEOUS

      6.1 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. 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

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benefits and the normal and optional forms of benefit payment, shall apply to
the payment of benefits hereunder, except as otherwise specifically provided
herein.

      6.2 Administration. Except as herein provided, the Plan shall be
administered by the Plan Administrator which shall administer it in a manner
consistent with the administration of the NC Retirement Plan, except that the
Plan 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 Plan 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 Plan unless
attributable to his or her own willful misconduct or lack of good faith.

      6.3 Corporation's Potential Payment of FICA Tax. The Corporation may, in
its sole 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, and the amount of any such payments(s) by the
Employer (without interest) shall serve to reduce such Participant's benefits
under this Plan, to the extent as is otherwise provided in the Plan.

      6.4 Participants' Rights; Death Beneficiary's Rights. Except as otherwise
specifically provided, neither a Participant nor a Death Beneficiary has rights
under the Plan. It is specifically intended that no benefits shall be payable
under the Plan to a Participant or his/her Death Beneficiary prior to the
Participant's retirement on or after his/her Normal Retirement Date, on or after
his/her meeting the requirements for an Supplemental Early Retirement Benefit
(as set forth in Section 4.3) or, upon Committee approval in accordance with the
provisions of Section 4.3 hereof, at an earlier age, excepting only (a) Survivor
Benefits payable to a Death Beneficiary pursuant to Article 5 of the Plan in the
event of the death of the Participant prior to

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retirement, and (b) the payment of benefits after the occurrence of a Vesting
Event with respect to the Participant. No Participant or his or her Death
Beneficiary shall have any title to or beneficial ownership in any assets of the
Corporation as a result of the Plan or its benefits.

      6.5 Timing of Payments Hereunder. Notwithstanding any other provision of
the Plan, the Committee may, in its discretion, determine that benefits under
the Plan may be made at any time prior to a Participant's Normal Retirement Date
or retirement, whichever first occurs.

                        ARTICLE 7. AMENDMENT; TERMINATION

      The Corporation expects to continue the 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 or discontinuance is deemed necessary or
desirable. However, if the Plan should be amended or discontinued, the
Corporation shall remain obligated for benefits under the Plan 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 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 8. UNFUNDED PLAN

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

                             ARTICLE 9. FORFEITURES

      Notwithstanding any provision in the 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
      the Plan has been discharged by his or her Employer in the reasonable
      belief (and such reasonable

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      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 Plan 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 Plan 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 Plan and by his or
her continued participation.

                     ARTICLE 10. 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, 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 11. CHANGE IN CONTROL

      11.1  Treatment of Awards.  In the event of a Change in Control:

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

                  (b) The rights of all Participants in their Accrued Benefits
            hereunder as of the Effective Date of such Change in Control shall
            be 100% vested and nonforfeitable, notwithstanding any other
            provision hereof.

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      11.2  Definition of Change in Control.  "Change in Control" means 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;

                  (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

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            deemed to have been a Director of the Corporation at the beginning
            of such period.

                  (e) Notwithstanding the foregoing provisions of Sections
            11.2(a), 11.2(b) or 11.2(c), in the case where the individuals who
            constitute the Directors of the Corporation at the time a specific
            transaction described in Sections 11.2(a), 11.2(b) or 11.2(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 11.2, the Board may determine by majority vote of the Board
            that the specific transaction does not constitute a Change in
            Control under Sections 11.2(a), 11.2(b) or 11.2(c)

      11.3 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 12. BINDING ON CORPORATION, EMPLOYEES

                              AND THEIR SUCCESSORS

      The Plan shall be binding upon and inure to the benefit of the
Corporation, its successors and assigns and each Participant and his or her
surviving spouse, beneficiaries, heirs, executors, administrators and legal
representatives.

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                           ARTICLE 13. LAWS GOVERNING

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

      Executed this 22nd day of October, 2001 at Cleveland, Ohio, but effective
as of November, 2001.

                                          NATIONAL CITY CORPORATION

                                          By: /s/ Shelley J. Seifert
                                              --------------------------------

                                     - 15 -<PAGE>
                                                                   Exhibit 10.27

                            NATIONAL CITY CORPORATION
                             2001 STOCK OPTION PLAN
                             As Amended And Restated
                           Effective October 22, 2001

1.    AMENDMENT AND RESTATEMENT

            (a) The National City Corporation 2001 Stock Option Plan as amended
      and restated effective October 22, 2001 is an amendment, restatement and
      continuation of the National City Corporation 2001 Stock Option Plan.

            (b) Purposes - The purposes of this Plan are to provide employment
      incentives and to encourage capital accumulation and stock ownership by
      eligible Employees of National City or any of its Subsidiaries.

2.    DEFINITIONS.  As used in this Plan

            (a) "Additional Option" means an Option Right granted to an Optionee
      in connection with the exercise of an option as described in Section 5.

            (b) "Additional Option Feature" means a feature of an Option
      Agreement that provides for the automatic grant of an Additional Option in
      accordance with the provisions described in Section 5.

            (c) "Board" means the board of directors of National City.

            (d) "Committee" means the Committee provided for in paragraph 10(a)
      of this Plan.

            (e) "Common Stock" means common stock, par value $4 per share, of
      National City and any security into which such common stock may be changed
      by reason of any transaction or event of the type described in Section 8
      of this plan.

            (f) "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 Internal Revenue Code.

            (g) "Eligible Employees" means persons who are officers (including
      officers who are members of the Board) and/or key employees of National
      City or of any of its Subsidiaries.

            (h) "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 Board as an executive
      officer of the Corporation or a "Covered Executive".

            (i) "Internal Revenue Code" means the 1986 Internal Revenue Code, as
      amended from time to time.

            (j) "Incentive Stock Option" means an Option Right granted by
      National City to an Eligible Employee, which Option Right is intended to
      qualify as an "Incentive Stock Option" as that term is used in Section 422
      of the Internal Revenue Code.

             (k) "Market Value per Share" means, at any date, the closing price,
      per share, of a share of Common Stock, on the New York Stock Exchange on
      the trading day immediately preceding such date as reported by the Wall
      Street Journal (Midwest Edition

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      or, if the Common Stock shall be primarily traded in another market, as
      determined in a manner specified by the Board using quotations in such
      other market.

            (l) "National City" means National City Corporation, a Delaware
      corporation.

            (m) "Option Agreement" means the written agreement between the
      Optionee and National City relating to the grant of Option Rights to the
      Optionee.

            (n) "Optionee" means the optionee named in an Option Agreement.

            (o) "Option Price" means the per share amount the Optionee must pay
      in order to exercise an Option Right.

            (p) "Option Right" means the right to purchase a share of Common
      Stock upon exercise of an Outstanding Option.

            (q) "Outstanding Option" means, at any time, an option to purchase
      shares of Common Stock granted by National City pursuant to this plan or
      any other stock option plan of National City or any such Subsidiary now or
      hereafter in effect, or pursuant to any stock option plan of any
      corporation which is merged into National City and where National City has
      by action of its Board, assumed the obligations of such corporation under
      such stock option plan, all whether or not such option is at the time
      exercisable, to the extend that such option at such time has neither been
      exercised nor terminated.

            (r) "Plan" means the National City Corporation 2001 Stock Option
      Plan as amended and restated effective October 22, 2001.

            (s) "Subsidiary" shall mean any entity in which at the time Nation
      City owns or controls, directly or indirectly, not less than 50% of the
      total combined voting power represented by all classes of voting equity
      securities.

      3.    SHARES AVAILABLE UNDER PLAN

            (a) The shares of Common Stock that may be made the subject of
      Option Rights pursuant to this Plan, may be treasury shares or shares of
      original issue or a combination of the foregoing.

            (b) Subject to adjustments in accordance with Section 8 of this
      Plan, the maximum number of shares of Common Stock that may be sold upon
      the exercise of Option Rights granted pursuant to this Plan shall be
      30,000,000. For purposes of determining the number of shares that may be
      sold under the Plan, such number shall increase by the number of shares
      surrendered by an optionee or relinquished to National City (a) in
      connection with the exercise of an Option Right or (b) in payment of the
      minimum applicable federal, state, local and foreign tax withholding
      liabilities upon exercise of an Option Right.

            (c) Notwithstanding anything in this Section 3, or elsewhere in the
      Plan, to the contrary and subject to adjustments as provided in Section 8,
      the maximum number of shares of Common Stock that may be sold upon the
      exercise of Incentive Stock Options granted pursuant to the Plan shall be
      30,000,000.

      4.    GRANTS OF OPTION RIGHTS

            (a) The Board may, from time to time and upon such terms and
      conditions as it may determine, authorize the granting to Eligible
      Employees of Option Rights. Each

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<PAGE>
      such grant may utilize any or all of the authorizations, and shall be
      subject to all of the limitations, contained in Paragraph 4(c).

            (b) The Board, may, from time to time and upon such terms and
      conditions as it may determine, specify a number of Option Rights that the
      chief executive officer of National City may grant to Eligible Employees
      who are not Executive Officers. The terms of such Option Rights, including
      the exercise price (which may include a formula by which such price may be
      determined) and whether the Option Rights shall have the Additional Option
      Feature shall be established by the Board and shall be subject to all of
      the limitations contained in Paragraph 4(c). Each grant of Option Rights
      by the chief executive officer of National City may utilize any or all of
      the authorizations specified by the Board, and shall be subject to all of
      the limitations contained in Paragraph 4(c).

            (c)   All Option Right grants shall be subject to all of the
      following limitations.

            1. Each grant shall specify the number of shares of Common Stock to
            which it pertains.

            2. Each grant shall specify an Option Price per share and, except
            for any stock options assumed by the Board pursuant to Section 12 of
            this Plan, the Option Price shall not be less than the Market Value
            per Share as of the date of grant.

            3. Successive grants may be made to the same Eligible Employee
            whether or not any Option Rights previously granted to such Eligible
            Employee remain unexercised. No Eligible Employee may, however, be
            granted under this Plan, in the aggregate, more than 6,000,000
            Option Rights over any five-year period, subject to adjustments as
            provided in Section 8 of this Plan.

            4. Option Rights granted under this plan may be (i) options which
            are intended to qualify under particular provisions of the Internal
            Revenue code, as in effect from time to time, (ii) options which are
            not intended so to qualify, or (iii) combinations of the foregoing.

            5. The date of grant of each Option Right shall be the later of the
            date of its authorization or the date established by the Board or
            chief executive officer (as applicable), except that the date of
            grant of an Additional Option shall be the date of exercise of the
            underlying Option Right. No Option Right shall be exercisable more
            than 10 years from such date of grant.

            6. Upon exercise of an Option Right, the option price shall be
            payable (i) in cash, (ii) by the transfer to National City by the
            Optionee of shares of Common Stock with a value (Market Value per
            Share times the number of shares) equal to the total option price,
            or (iii) by a combination of such methods of payment.

            7. Each grant of Option Rights shall be evidenced by an Option
            Agreement executed on behalf of National City by any officer
            designated by the Board for this purpose and delivered to and
            accepted by the Eligible Employee and shall contain such terms and
            provisions, consistent with this Plan, as the Board may approve. The
            execution and delivery of the Option Agreement by the Optionee shall
            be a condition precedent to the grant of Option Rights becoming
            effective. A failure to execute and deliver the Option Agreement
            within sixty (60) days after the grant of the Option Rights may
            terminate the Option Rights grant upon the determination of the
            Board or, for options granted by the chief executive officer
            pursuant to Paragraph 4(b) of the Plan, the chief executive officer.

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<PAGE>
5.    ADDITIONAL OPTION

      (a) The Board may, at or after the date of grant of Option Rights, grant
      or authorize the granting of Additional Options. Additional Options may be
      granted with respect to any Outstanding Option.

      (b) If an Optionee exercises an Outstanding Option that has an Additional
      Option Feature by transferring already owned shares of Common Stock and/or
      when shares of Common Stock are tendered or relinquished as payment of the
      amount to be withheld under applicable federal, state, local and foreign
      tax laws (at withholding rates not to exceed the minimum applicable
      statutory tax withholding rates) in connection with the exercise of an
      option, the Optionee shall automatically be granted an Additional Option.
      the Additional Option shall be subject to the following provisions:

            1. The Additional Option shall cover the number of shares of Common
            Stock equal to the sum of (A) the number of shares of Common Stock
            delivered as consideration upon the exercise of an Outstanding
            Option to which such Additional Option Feature related and (B) the
            number of shares of Common Stock tendered or relinquished as payment
            of the amount to be withheld under applicable federal, state, local
            and foreign tax laws (at withholding rates not to exceed the minimum
            applicable statutory tax withholding rates) in connection with the
            exercise of the option to which such Additional Option Feature
            relates;

            2. The Additional Option will not have an Additional Option Feature
            unless the Board directs otherwise;

            3. The Additional Option Price shall be 100% of the Market Value per
            Share on the date of the exercise of the Option that has the
            Additional Option Feature;

            4. The Additional Option shall have the same termination date and
            other termination provisions as the underlying option that had the
            Additional Option Feature;

6.    WITHHOLDING TAXES

            To the extent that the amounts available to National City are
      insufficient to satisfy the federal, state local and foreign minimum tax
      withholding requirements in connection with any payment to be made or
      benefit to be realized by an Optionee under this Plan, the Optionee shall
      make arrangements satisfactory to National City for payment of the balance
      of such taxes required to be withheld prior to receiving such payment or
      benefit. At the discretion of the Board, such arrangements may include
      relinquishment of a portion of such benefit. In no event, however, shall
      National City accept Common Stock for payment of taxes in excess of the
      minimum required tax withholding rates.

7.    TRANSFERABILITY

            Except as otherwise provided for by the Board, no Option Right shall
      be transferable by an Optionee other than by will or the laws of descent
      and distribution. Unless the Board directs otherwise, Option Rights shall
      be exercisable during the Optionee's lifetime only by the Optionee or by
      the Optionee's guardian or legal representative.

8.    ADJUSTMENTS

            The Board may make or provide for such adjustments in the maximum
      numbers of shares of Common Stock specified in Paragraphs 3(b), 3(c) and
      4(c)(3) of this Plan, in

                                                                          Page 4
<PAGE>
      the numbers of shares of Common Stock covered by Option Rights granted
      hereunder, and in the prices per share applicable under such Option
      Rights, as the Board in its sole discretion, exercised in good faith, may
      determine is equitably required to prevent dilution or enlargement of the
      rights of Optionees that otherwise would result from a stock dividend,
      stock split, combination of shares, re-capitalization or other change in
      the capital structure of National City, merger, consolidation, spin-off,
      reorganization, partial or complete liquidation, issuance of right or
      warrants to purchase securities, or other corporate transaction or event
      having an effect similar to any of the foregoing.

9.    FRACTIONAL SHARES

            National City shall not be required to issue any fractional share of
      Common Stock pursuant to this Plan. The Board may provide for the
      elimination of fractions or for the settlement of fraction in cash.

10.   ADMINISTRATION OF THE PLAN

            (a) This Plan shall be administered by the Board, which may from
      time to time delegate all or any part of its authority under this Plan to
      a committee of the Board of not less than three disinterested directors
      appointed by the Board (the "Committee"). To the extent of such
      delegation, references herein to the "Board" shall include the Committee.
      No Option Right shall be granted to any member of the Committee pursuant
      to this Plan so long as his membership continues.

            (b) The Board may name assistants who may be, but need not be,
      members of the Board. Such assistants shall serve at the pleasure of the
      Board, and shall perform such functions as are provided for herein and
      such other function as may be assigned by the Board.

            (c) The interpretation and construction by the Board of any
      provisions of this Plan or of any such agreement shall be final and
      conclusive.

            (d) No member of the Board or any assistant shall be liable for any
      action taken or omitted in connection with the interpretation or
      administration of the Plan or any Option Agreement unless attributable to
      his or her own willful misconduct or lack of good faith.

11.   AMENDMENTS, ETC.

            (a) This Plan may be amended from time to time by the Board but,
      without further approval by the stockholders of National City, no such
      amendment shall (i) increase the maximum numbers of shares of Common Stock
      specified in Paragraphs 3(b), 3(c) and 4(c)(3) of this Plan (except that
      adjustments authorized by Section 8 of this Plan shall not be limited by
      this provision), (ii) change the definition of "Eligible Employees", or
      (iii) materially increase the benefits accruing to Optionees hereunder.

            (b) The Board shall not authorize the amendment of any outstanding
      Option Right to reduce the Option Price except for adjustments as provided
      in Section 8 of this Plan. Furthermore, no Option Rights shall be
      cancelled and replaced with awards having a lower Option Price (except as
      may result from the issuance of Additional Options pursuant to Section 5
      of this Plan).

12.   ASSUMPTIONS

            In the event that a corporation is merged into National City, and
      National City is the survivor of such merger, the Board may elect, in its
      sole discretion, to assume under

                                                                          Page 5
<PAGE>
      this Plan any or all outstanding options granted by such corporation to
      its officers and employees under any stock option plan adopted by it prior
      to such merger. Such assumptions shall be on such terms and conditions as
      the Board may determine in its sole discretion, provided however, that the
      options as assumed do not provide or contain any terms, conditions or
      rights which an Option Right may not provide for under this Plan.

13.   MISCELLANEOUS

            (a) All expenses and costs in connection with the operation of the
      Plan shall be borne by National City.

            (b) This Plan shall be construed in accordance with and governed by
      the internal substantive laws of the state of Delaware.

            (c) This Plan shall be binding upon and inure to the benefit of
      National City, its successors and assigns and each Participant and his or
      her beneficiaries, heirs, executors, administrators and legal
      representatives.

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