Document:

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                                                                    Exhibit 10.9

                            CENTRAL INDIANA BANCORP
                             1993 STOCK OPTION PLAN

     1. Purpose. The purpose of the Central Indiana Bancorp 1993 Stock Option
Plan (the "Plan") is to provide to directors, advisory directors, officers and
other key employees of Central Indiana Bancorp (the "Holding Company") and its
majority-owned and wholly-owned subsidiaries (individually a "Subsidiary" and
collectively the "Subsidiaries"), including, but not limited to, First Federal
Savings Bank of Kokomo ("First Federal"), who are materially responsible for the
management or operation of the business of the Holding Company or a Subsidiary
and have provided valuable service to the Holding Company or a Subsidiary, a
favorable opportunity to acquire Common Stock, without par value ("Common
Stock"), of the Holding Company, thereby providing them with an increased
incentive to work for the success of the Holding Company and its Subsidiaries
and better enabling each such entity to attract and retain capable directors,
advisory directors, and executive personnel.

     2. Administration of the Plan. The Plan shall be administered, construed
and interpreted by a committee (the "Committee") consisting of at least two
members of the Board of Directors of the Holding Company, each of whom is a
"disinterested person" within the meaning of the definition of that term
contained in Reg. ss 16b-3 promulgated under the Securities Exchange Act of
1934, as amended (the "1934 Act"). The members of the Committee shall be
designated from time to time by the Board of Directors of the Holding Company.
The decision of a majority of the members of the Committee shall constitute the
decision of the Committee, and the Committee may act either at a meeting at
which a majority of the members of the Committee is present or by a written
consent signed by all members of the Committee. The Committee shall have the
sole, final and conclusive authority to determine, consistent with and subject
to the provisions of the Plan:

          (a) the individuals (the "Optionees") to whom options or successive
     options or cash awards shall be granted under the Plan;

          (b) the time when options or cash awards shall be granted hereunder;

          (c) the number of shares of Common Stock to be covered under each
     option and the amount of any cash awards;

          (d) the option price to be paid upon the exercise of each option;

          (e) the period within which each such option may be exercised;

          (f) the extent to which an option is an incentive stock option or a
     non-qualified stock option; and

          (g) the terms and conditions of the respective agreements by which
     options granted or cash awards shall be evidenced.

The Committee shall also have authority to prescribe, amend, waive, and rescind
rules and regulations relating to the Plan, to accelerate the vesting of any
stock options or cash awards made hereunder, and to make all other
determinations necessary or advisable in the administration of the Plan.

     3. Eligibility. The Committee may, consistent with the purposes of the
Plan, grant options and cash awards to officers and other key employees of the
Holding Company or of a Subsidiary who in the opinion of the Committee are from
time to time materially responsible for the management or operation of the
business

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of the Holding Company or of a Subsidiary and have provided valuable services to
the Holding Company or a Subsidiary; provided, however, that in no event may any
employee who owns (after application of the ownership rules in ss 425(d) of the
Internal Revenue Code of 1986, as amended (the "Code")) shares of stock
possessing more than 10 percent of the total combined voting power of all
classes of stock of the Holding Company or any of its Subsidiaries be granted an
incentive stock option hereunder unless at the time such option is granted the
option price is at least 110% of the fair market value of the stock subject to
the option and such option by its terms is not exercisable after the expiration
of five (5) years from the date such option is granted. Advisory directors of
First Federal who are serving as advisors to the Peru division of First Federal
and who are not employees of the Holding Company or its Subsidiaries ("Outside
Advisory Directors"), on the date (the "Merger Conversion Date") First Federal
Savings and Loan Association of Peru merges into First Federal and
simultaneously converts (the "Merger Conversion") from mutual to stock form
shall each be granted on such date a non-qualified option to purchase the number
of whole shares of Common Stock of the Holding Company determined by multiplying
the total number of shares issued by the Holding Company on the Merger
Conversion Date by 1.275%. Such options shall have an exercise price per share
equal to the purchase price per share paid for shares issued in such Merger
Conversion. Outside Advisory Directors are not entitled to receive any other
awards under this Plan. Subject to the forgoing and the provisions of Section 7
hereof, an individual who has been granted an option under the Plan (an
"Optionee"), if he is otherwise eligible, may be granted an additional option or
options if the Committee shall so determine.

     4. Stock Subject to the Plan. There shall be reserved for issuance upon the
exercise of options granted under the Plan, shares of Common Stock of the
Holding Company equal to 10% of the total number of shares of Common Stock
issued by the Holding Company in the Merger Conversion, which may be authorized
but unissued shares or treasury shares of the Holding Company. Subject to
Section 7 hereof, the shares for which options may be granted under the Plan
shall not exceed that number. If any option shall expire or terminate or be
surrendered for any reason without having been exercised in full, the
unpurchased shares subject thereto shall (unless the Plan shall have terminated)
become available for other options under the Plan.

     5. Terms of Options. Each option granted under the Plan shall be subject to
the following terms and conditions and to such other terms and conditions not
inconsistent therewith as the Committee may deem appropriate in each case:

          (a) Option Price. The price to be paid for shares of stock upon the
     exercise of each option shall be determined by the Committee at the time
     such option is granted, but such price in the case of an incentive stock
     option shall not be less than the fair market value, as determined by the
     Committee consistent with Treas. Reg. ss 20.2031-2 and any requirements of
     ss 422A of the Code, of such stock on the date on which such option is
     granted; and provided, further, that the Committee may in no event award
     non-qualified stock options at a price less than 85% of the fair market
     value of the Common Stock on the date of grant, as determined by the
     Committee consistent with Treas. Reg. ss 20.2031-2.

          (b) Period for Exercise of Option. An option shall not be exercisable
     after the expiration of such period as shall be fixed by the Committee at
     the time of the grant thereof, but such period in no event shall exceed ten
     (10) years and one day from the date on which such option is granted;
     provided, that incentive stock options granted hereunder shall have terms
     not in excess of ten (10) years and options issued to Outside Advisory
     Directors shall be for a period of ten (10) years from the date of grant
     thereof. Options shall be subject to earlier termination as hereinafter
     provided.

          (C) Exercise of Options, The option price of each share of stock
     purchased upon exercise of an option shall be paid in full at the time of
     such exercise. Payment may be in (i) cash, (ii) if the Optionee may do so
     in conformity with Regulation T (12 C.F.R. ss 220.3(e)(4)) without
     violating ss 16(b) or

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Section 16(c) of the 1934 Act, pursuant to a broker's cashless exercise
procedure, by delivering a properly executed exercise notice together with
irrevocable instructions to a broker or promptly deliver to the Holding Company
the total option price in cash and, if desired, the amount of any taxes to be
withheld from the Optionee's compensation as a result of any withholding tax
obligation of the Holding Company or any of its Subsidiaries, as specified in
such notice, or (iii) beginning on a date which is three years following the
Merger Conversion and with the approval of the Committee, by tendering whole
shares of the Holding Company's Common Stock owned by the Optionee and cash
having a fair market value equal to the cash exercise price of the shares with
respect to which the option is being exercised. For this purpose, any shares so
tendered by an Optionee shall be deemed to have a fair market value equal to the
mean between the highest and lowest quoted selling prices for the shares on the
date of exercise of the option (or if there were no sales on such date the
weighted average of the means between the highest and lowest quoted selling
prices on the nearest date before and the nearest date after the date of
exercise of the options as prescribed by Treas. Reg. Section 20.2031-2)), as
reported in The Wall Street Journal or a similar publication selected by the
Committee. The Committee shall have the authority to grant options exercisable
in full at any time during their term, or exercisable in such installments at
such times during their term as the Committee may determine; provided, however,
that options shall not be exercisable prior to a date which is six months after
the date of shareholder approval of the Plan, if any, or during the first six
(6) months of their term, and provided further that options granted to Outside
Advisory Directors shall be fully exercisable following a six-month period
beginning on the date of grant of the options or, if later, the date on which
the Plan is approved by the Holding Company's shareholders, if such approval is
obtained. Installments not purchased in earlier periods shall be cumulated and
be available for purchase in later periods. Subject to the other provisions of
this Plan, an option may be exercised at any time or from time to time during
the term of the option as to any or all whole shares which have become subject
to purchase pursuant to the terms of the options or the Plan, but not at any
time as to fewer than one hundred (100) shares unless the remaining shares which
have become subject to purchase are fewer than one hundred (100) shares. An
option may be exercised only by written notice to the Holding Company, mailed to
the attention of its Secretary, signed by the Optionee (or such other person or
persons as shall demonstrate to the Holding Company his or their right to
exercise the option), specifying the number of shares in respect of which it is
being exercised, and accompanied by payment in full in either cash or by check
in the amount of the aggregate purchase price therefor, by delivery of the
irrevocable broker instructions referred to above, or, if the Committee has
approved the use of the stock swap feature provided for above, followed as soon
as practicable by the delivery of the option price for such shares.

            (d) Certificates. The certificate or certificates for the shares
issuable upon an exercise of an option shall be issued as promptly as
practicable after such exercise. An Optionee shall not have any rights of a
shareholder in respect to the shares of stock subject to an option until the
date of issuance of a stock certificate to him for such shares. In no case may a
fraction of a share be purchased or issued under the Plan, but if, upon the
exercise of an option, a fractional shares would otherwise be issuable, the
Holding Company shall pay cash in lieu thereof.

            (e) Termination of Option. If an Optionee (other than an Outside
Advisory Director) cease to be an employee of the Holding Company and the
Subsidiaries for any reason other than retirement, permanent and total
disability (within the meaning of Section 22(e)(3) of the Code), or death, any
option granted to him shall forthwith terminate. Leave of absence approved by
the Committee shall not constitute cessation of employment. If an Optionee
(other than an Outside Advisory Director) ceases to be an employee of the
Holding Company and the Subsidiaries by reason of retirement, any option granted
to him may be exercised by him in whole or in part at any time after his
retirement until the expiration of the option term fixed by the Committee in
accordance with subsection (b) above,

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     whether or not the option was otherwise exercisable at the date of his
     retirement. (The term "retirement" as used herein means such termination of
     employment as shall entitle such individual to early or normal retirement
     benefits under any then existing pension plan of the Holding Company or a
     Subsidiary.) If an Optionee (other than an Outside Advisory Director)
     ceases to be an employee of the Holding Company and the Subsidiaries by
     reason of permanent and total disability (within the meaning of ss 22(e)(3)
     of the Code), any option granted to him may be exercised by him in whole or
     in part within one (1) year after the date of his termination of employment
     by reason of such disability whether or not the option was otherwise
     exercisable at the date of such termination. Options granted to Outside
     Advisory Directors shall cease to be exercisable six (6) months after the
     date such Outside Advisory Director is no longer a director or advisory
     director of the Holding Company or of First Federal for any reason. In the
     event of the death of an Optionee while in the employ or service as an
     advisory director or director of the Holding Company or a Subsidiary, or,
     if the Optionee is not an Outside Advisory Director, after the date of his
     retirement or within one (1) year after the termination of his employment
     by reason of permanent and total disability (within the meaning of ss
     22(e)(3) of the Code), or, if the Optionee is an Outside Advisory Director,
     within six (6) months after he is no longer a director or advisory director
     of the Holding Company or of First Federal, any option granted to him may
     be exercised in whole or in part at any time within one (1) year after the
     date of such death by the executor or administrator of his estate or by the
     person or persons entitled to the option by will or by applicable laws of
     descent and distribution until the expiration of the option term as fixed
     by the Committee, whether or not the option was otherwise exercisable at
     the date of his death. Notwithstanding the foregoing provisions of this
     subsection (e), no option shall in any event be exercisable after the
     expiration of the period fixed by the Committee in accordance with
     subsection (b) above.

          (f) Nontransferability of Option. No option may be transferred by the
     Optionee otherwise than by will or the laws of descent and distribution or
     pursuant to a qualified domestic relations order as defined by the Code or
     Title I of the Employee Retirement Income Security Act of 1974 (as
     amended), or the rules and regulations thereunder, and during the lifetime
     of the Optionee options shall be exercisable only by the Optionee or his
     guardian or legal representative.

          (g) No Right to Continued Service. Nothing in this Plan or in any
     agreement entered into pursuant hereto shall confer on any person any right
     to continue in the employ or service of the Holding Company or its
     Subsidiaries or affect any rights of the Holding Company, a Subsidiary, or
     the shareholders of the Holding Company may have to terminate his service
     at any time.

          (h) Maximum Incentive Stock Options. The aggregate fair market value
     of stock with respect to which incentive stock options (within the meaning
     of ss 422A of the Code) are exercisable for the first time by an Optionee
     during any calendar year under the Plan or any other plan of the Holding
     Company or its Subsidiaries shall not exceed $100,000. For this purpose,
     the fair market value of such shares shall be determined as of the date the
     option is granted and shall be computed in such manner as shall be
     determined by the Committee, consistent with the requirements of ss 422A of
     the Code.

          (i) Agreement. Each option shall be evidenced by an agreement between
     the Optionee and the Holding Company which shall provide, among other
     things, that, with respect to incentive stock options, the Optionee will
     advise the Holding Company immediately upon any sale or transfer of the
     shares of Common Stock received upon exercise of the option to the extent
     such sale or transfer takes place prior to the later of (a) two (2) years
     from the date of grant or (b) one (1)year from the date of exercise.

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        (j) Investment Representations. Unless the shares subject to an option
are registered under applicable federal and state securities laws, each Optionee
by accepting an option shall be deemed to agree for himself and his legal
representatives that any option granted to him and any and all shares of Common
Stock purchased upon the exercise of the option shall be acquired for investment
and not with a view to, or for the sale in connection with, any distribution
thereof, and each notice of the exercise of any portion of an option shall be
accompanied by a representation in writing, signed by the Optionee or his legal
representatives, as the case may be, that the shares of Common stock are being
acquired in good faith for investment and not with a view to, or for sale in
connection with, any distribution thereof (except in case of the Optionee's
legal representatives for distribution, but not for sale, to his legal heirs,
legatees and other testamentary beneficiaries). Any shares issued pursuant to an
exercise of an option may bear a legend evidencing such representations and
restrictions.

     6. Incentive Stock Options and Non-Qualified Stock Options. Options granted
under the Plan may be incentive stock options under Section 422A of the Code or
non-qualified stock options, provided, however, that Outside Advisory Directors
shall be granted only non-qualified stock options. All options granted hereunder
will be clearly identified as either incentive stock options or non-qualified
stock options. In no event will the exercise of an incentive stock option affect
the right to exercise any non-qualified stock option, nor shall the exercise of
any non-qualified stock option affect the right to exercise any incentive stock
option. Nothing in this Plan shall be construed to prohibit the grant of
incentive stock options and non-qualified stock options to the same person,
provided, further, that incentive stock options and non-qualified stock options
shall not be granted in a manner whereby the exercise of one non-qualified stock
option or incentive stock option affects the exercisability of the other.

     7. Adjustment of Shares. In the event of any change after the effective
date of the Plan in the outstanding stock of the Holding Company by reason of
any reorganization, recapitalization, stock split, stock dividend, combination
of shares, exchange of shares, merger or consolidation, liquidation, or any
other change after the effective date of the Plan in the nature of the shares of
stock of the Holding Company, the Committee shall determine what changes, if
any, are appropriate in the number and kind of shares reserved under the Plan,
and the Committee shall determine what changes, if any, are appropriate in the
option price under and the number and kind of shares covered by outstanding
options granted under the Plan. Any determination of the Committee hereunder
shall be conclusive.

     8. Cash Awards. Except as otherwise provided in Section 4 hereof, the
Committee may, at any time and in its discretion, grant to any Optionee who is
granted a non-qualified stock option the right to receive, at such times and in
such amounts as determined by the Committee in its discretion, a cash amount
("cash award") which is intended to reimburse the Optionee for all or a portion
of the federal, state and local income taxes imposed upon such Optionee as a
consequence of the exercise of a non-qualified stock option and the receipt of a
cash award.

     9. Replacement and Extension of the Terms of Options and Cash Awards. The
Committee from time to time may permit an Optionee (other than an Outside
Advisory Director) under the Plan or any other stock option plan heretofore or
hereafter adopted by the Holding Company or any Susidiary to surrender for
cancellation any unexercised outstanding stock option and receive from his
employing corporation in exchange therefor an option for such number of shares
of Common Stock as may be designated by the Committee. Such Optionees also may
be granted related cash awards as provided in Section 8 hereof.

     10. Change in Control. In the event of a Change in Control, all options
previously granted and still outstanding under the Plan regardless of their
terms, shall become exercisable. For this purpose, "Change in Control" shall
mean a change in control of the Holding Company or First Federal, within the
meaning of 12 C.F.R. Section 574.4(a) (other than a change of control resulting
from a trustee or other fiduciary holding shares

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of Common Stock under an employee benefit plan of the Holding Company or any of
its Subsidiaries), not approved in advance by the Holding Company's Board of
Directors.

     11.  Tax Withholding. Whenever the Holding Company proposes or is required
to issue or transfer shares of Common Stock under the Plan, the Holding Company
shall have the right to require the Optionee or his or her legal representative
to remit to the Holding Company an amount sufficient to satisfy any federal,
state and/or local withholding tax requirements prior to the delivery of any
certificate or certificates for such shares, and whenever under the Plan
payments are to be made in cash, such payments shall be net of an amount
sufficient to satisfy any federal, state and/or local withholding tax
requirements. If permitted by the Committee and pursuant to procedures
established by the Committee, an Optionee who is not an Outside Advisory
Director may make a written election to have shares of Common Stock having an
aggregate fair market value, as determined by the Committee, consistent with
the requirements of Treas. Reg. ss 20.2031-2, sufficient to satisfy the
applicable withholding taxes, withheld from the shares otherwise to be received
upon the exercise of a non-qualified option. Elections by Optionees to have
shares withheld for this purpose will be subject to the following restrictions:
(1) they must be made prior to the date as of which the amount of tax withheld
is determined (the "Tax Date"), (2) they will be irrevocable, (3) they will be
subject to the disapproval of the Committee, and (4) if an Optionee is an
officer or director of the Holding Company within the meaning of ss 16 of the
1934 Act and the Common Stock is registered under ss 12 of the 1934 Act, such
elections (a) may not be made within six months of the grant of the option, (b)
must be made either more than six months prior to the Tax Date or in the ten
day "window period" beginning on the third day following the release of the
Holding Company's quarterly or annual financial statements, and (c) may not be
made until the Holding Company shall have been subject to the reporting
requirements of the 1934 Act for at least one year and shall have filed all
reports and statements required to be filed under the 1934 Act during such year.

     12.  Amendment. The Board of Directors of the Holding Company may amend
the Plan from time to time and, with the consent of the Optionee, the terms and
provisions of his option or cash award, except that without the approval of the
holders of at least a majority of the shares of the Holding Company voting in
person or by proxy at a duly constituted meeting or adjournment thereof:

          (a) the number of shares of stock which may be reserved for issuance
     under the Plan may not be increased except as provided in Section 7 hereof;

          (b) the period during which an option may be exercise may not be
     extended beyond ten (10) years and one day from the date on which such
     option was granted;

          (c) the class of persons to whom options or cash awards may be granted
     under the Plan shall not be modified materially;

          (d) amendments will not be made which would cause the Plan or
     transactions by officers and directors thereunder to cease to comply with
     Rule 16b-3 promulgated under the 1934 Act, or any successor rule, unless
     the Holding Company at the time has ceased to have its Common Stock
     registered under ss 12 of the 1934 Act; and

          (e) the number of shares subject to options to be granted to Outside
     Advisory Directors or the date of grant or the exercise price and other
     terms thereof shall not be changed except as provided in Section 7 hereof
     unless the Holding Company at the time has ceased to have its Common Stock
     registered under ss 12 of the 1934 Act; provided further that in any event
     any such provisions in the Plan governing Outside Advisory Director options
     may not be amended more than once every six (6) months other than to
     comport with changes in the Code or the rules thereunder.

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No amendment of the Plan, however, may, without the consent of the Optionees,
make any changes in any outstanding options or cash awards theretofore granted
under the Plan which would adversly affect the rights of such Optionees.

13. Termination. The Board of Directors of the Holding Company may terminate the
Plan at any time and option or cash award shall be granted thereafter. Such
termination, however, shall not affect the validity of any option or cash award
theretofore granted under the Plan. In any event, no incentive stock option may
be granted under the Plan after the date which is ten (10) years from the
effective date of the Plan or, if earlier, the date the Plan is approved by the
Holding Company's shareholders.

14. Successors. This Plan shall be binding upon the successors and assigns of
the Holding Company.

15. Governing Law. The terms of any options granted hereunder and the rights and
obligations hereunder of the Holding Company, the Optionees and their successors
in interest shall, except to the extent governed by federal law, be governed by
Indiana law.

16. Government and Other Regulations. The obligations of the Holding Company to
issue to transfer and deliver shares under options granted under the Plan or
make cash awards shall be subject to compliance with all applicable laws,
governmental rules and regulations, and administrative action.

17. Effective Date. The Plan shall become effective on the effective date of the
Merger Conversion, and any options granted pursuant to the Plan may not be
exercised until the Board of Directors of the Holding Company has been advised
by counsel that such approval has been obtained and all other applicable legal
requirements have been met.

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                                  Attachment D

STOCK OPTIONS

The stock option plan provides for directors, officers and key employees to
acquire Common Stock.

Administration is by a committee of at least two board members who determine
the optionees, timing, number of shares, amount of cash awards, option price,
option period, extent to which an option is an incentive stock option or a
non-qualified stock option, and terms and conditions of respective agreements by
which options granted or cash awards shall be evidenced. The committee also has
authority to change the plan, accelerate vesting, or make other determinations.

Cash awards may be granted only to officers and other key employees who are
materially responsible for management or operation of the business and have
provided valuable services to the company.

Directors who are not employees and the Chairman Emeritus were granted options
on the conversion date, and new directors may be granted options when they
become directors. Outside directors are not eligible for any other awards under
this plan.

Ten percent of the total number of shares of Common Stock issued are reserved
for issuance upon the exercise of options.

Price is determined by the committee, not less than fair market value, although
non-qualified stock options may be granted at no less than 75% of fair market
value.

Period for exercising the option is set by the committee but not more than ten
years and one day from the date of the grant. Options may be granted
exercisable in full or in installments.

Upon termination of employment of an optionee, except for retirement,
disability or death, the option is terminated. Retirees may exercise options at
any time after retirement until the expiration of the option term. Terminations
because of disability entitle the optionee to exercise the option in whole or
in part within one year after termination whether or not it was otherwise
exercisable. Options granted to outside directors cease to be exercisable six
months after they are not longer a director for any reason. In case of death,
the executor or administrator of the estate may exercise the option within one
year.

In the event of Change of Control, all options still outstanding shall become
exercisable.

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                                  Attachment D

No amendment of the Plan may, without the consent of the optionees, make any
changes in any outstanding options or cash awards which would adversely affect
the right of the optionees.

                                  Page 2 of 2<PAGE>
                                                                   Exhibit 10.11

                            NATIONAL CITY CORPORATION
                        SPLIT DOLLAR LIFE INSURANCE PLAN

                                    ARTICLE I

                            ESTABLISHMENT AND PURPOSE

          This Plan is established for the benefit of selected key Employees and
shall be known as the "National City Corporation Split Dollar Life Insurance
Plan." The purpose of the Plan is to provide Employer-financed split dollar life
insurance benefits in order to recruit and to retain selected key Employees
for the Employers.

                                   ARTICLE II

                                   DEFINITIONS

          The following words and phrases as used in the Plan have the following
meanings:

          2.1 "Affiliate" means any employer that is a corporation included
with National City Corporation in a "controlled group of corporations," as
defined in Code section 414(b), or an unincorporated business included with
National City Corporation in a group of trades or businesses under "common
control," as defined by regulations prescribed by the Secretary of the Treasury
under Code section 414(c).

          2.2 "Agreement" means a Split Dollar Insurance Agreement in the form
approved by the Committee.

          2.3 "Change in Control" means a change in control of the Company which
shall be deemed to occur if:

          (a) Any "group" or "person" (as defined in Sections 13(d) and 14(d)
of the Securities Exchange Act of 1934) other than the Company and its
subsidiaries considered as a group or person, directly or indirectly becomes
beneficial owner of securities of the Company representing a majority or more
of the outstanding voting securities of the Company; or

          (b) A merger of the Company into another company occurs wherein the
Company is not the surviving entity.

<PAGE>

          2.4 "Code" means the Internal Revenue Code of 1986 as amended from
time to time.

          2.5 "Committee" means the Incentive Compensation Committee or such
other committee as may be designated by the Company from time to time.

          2.6 "Company" means National City Corporation or any successor
thereto.

          2.7 "Employer" means National City Corporation and any Affiliate that
may be designated by the Company and by its own board of directors to
participate in the Plan with respect to its selected key Employees in accordance
with Section 6.1 hereof.

          2.8 "Employee" means an employee of the Employer (a) who is designated
in writing by the Committee to participate in the Plan and (b) on whose life the
Employer is able to purchase a Policy on terms and at a cost that are acceptable
to the Company in its sole discretion.

          2.9 "Participant" means either an Employee or, if the Employee so
elects and the Employer consents, the trustee or trustees of a trust established
by the Employee.

          2.10 "Plan" means the "National City Corporation Split Dollar Life
Insurance Plan" as set forth herein and as amended from time to time.

          2.11 "Plan Year" means the calendar year; provided that records with
respect to each individual policy under the Plan shall be maintained on the
basis of the applicable policy year.

          2.12 "Policy" means a life insurance policy issued by an insurance
company designated by the Company on the life of the Employee or a joint life
insurance policy on the life of the Employee and another individual designated
by the Employee and approved by the Company.

                                   ARTICLE III
                          ELIGIBILITY AND PARTICIPATION

          3.1 Agreements. In order to participate in the Plan, a Participant
shall enter into an Agreement with the Employer and execute an assignment of the
Policy as collateral (the "Collateral Assignment") in favor of the Employer on
such terms as shall be determined by the

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Company in its sole discretion. The Agreement and the Collateral Assignment are
hereby incorporated into and made a part of the Plan. The Participant's
participation shall be conditioned on the Employee's effective waiver of certain
Employer provided welfare benefits.

          3.2 Policy. Each Agreement shall provide for the purchase of a Policy
from an insurance company. Both the identity of the insurance company and the
terms of the Policy shall be determined by the Company in its sole discretion.

          3.3 Benefits. All benefits paid under the Plan in respect of a
Participant shall be determined by the terms of the applicable Agreement.

          3.4 Multiple Agreements. An Employer and a Participant may enter into
more than one Agreement pursuant to the Plan.

                                   ARTICLE IV

                                 ADMINISTRATION

          4.1 In General. The Plan shall be administered by the Company, which
shall be the Plan's named fiduciary.

          4.2 Expenses. The expenses incident to the operation of the Plan,
including the compensating of attorneys, advisors, actuaries, and such other
persons providing technical and clerical assistance as may be required, shall be
paid by the Company.

          4.3 Powers of the Company. In addition to any implied powers and
duties that may be needed to carry out the provisions of the Plan, the Agreement
and the Collateral Assignment, the Company shall have the following specific
powers and duties in its sole discretion:

          (a) To make and enforce such rules and regulations as it shall deem
necessary or proper for the efficient administration of the Plan;

          (b) To interpret the Plan and to decide any and all matters arising
hereunder, including the right to remedy possible ambiguities, inconsistencies,
or omissions; provided that all such interpretations and decisions shall be
applied in a uniform and nondiscriminatory manner to all persons similarly
situated;

                                       3
<PAGE>

          (c) To compute the amount of benefits that shall be payable to any
Participant in accordance with the provisions of the Plan;

          (d) To appoint other persons to carry out such ministerial
responsibilities under the Plan as it may determine; and

          (e) To employ one or more persons to render advice with respect to any
of its responsibilities under the Plan.

          4.4 Finality. To the extent permitted by applicable law,
determinations by the Company and any interpretation, rule or decision adopted
by the Company under the Plan, the Agreement, or the Collateral Assignment or in
carrying out or administering the Plan shall be final and binding for all
purposes and upon all interested persons, their heirs and personal
representatives.

          4.5 Benefit Claims Procedure. A claim for a benefit under the Plan by
any person shall be filed in the manner and governed by the procedures set forth
in the Agreement.

                                    ARTICLE V

                                   AMENDMENTS

          The Company by joint action of its Chairman, President or Deputy
Chairman and any one of its Vice Presidents may modify, amend, suspend or
terminate the Plan at any time prior to a Change in Control.

                                   ARTICLE VI

                                  MISCELLANEOUS

          6.1 Participation by Affiliate. The Company may designate an
Affiliate to become an Employer under the Plan. Such Affiliate shall become an
Employer as of an effective date designated by the Company and shall be subject
to the provisions of the Plan.

                                       4
<PAGE>

          6.2 Incapacity. If the Company determines that any person entitled to
benefits hereunder is unable to care for his affairs because of illness or
accident, any payment due (unless a duly qualified guardian or other legal
representative has been appointed) may be paid for the benefit of such person to
his spouse, parent, brother, sister or other party deemed by the Company to have
incurred expenses for such person.

          6.3 Required Information. Any person eligible to receive benefits
hereunder shall furnish to the Company any information or proof requested by the
Company and reasonably required for the proper administration of the Plan.
Failure on the part of any person to comply with any such request within a
reasonable period of time shall be sufficient grounds for delay in the payment
of any benefits due under the Plan until such information or proof is received
by the Company. If any person claiming benefits under the Plan makes a false
statement that is material to such person's claim for benefits, the Company may
offset against future payments any amount paid to such person to which such
person was not entitled under the provisions of the Plan.

          6.4 Policy Claims. Any claim for benefits under a Policy shall be
subject to and governed by the terms of the Policy.

          6.5 No Right To Employment. Nothing in this Plan or any Agreement
shall be deemed to constitute a contract of employment or to give any Employee
the right to be retained in the service of the Employer and the Affiliates or to
interfere with the right of the Employer and the Affiliates to discharge any
Employee at any time without regard to the effect that such discharge may have
upon the Employee under the Plan.

          6.6 Withholding Taxes. The Company may make any appropriate
arrangements to deduct from all amounts paid under the Plan any taxes required
to be withheld by any government or government agency. The Employee shall pay
all taxes on amounts paid under the Plan to the extent that no taxes are
withheld, irrespective of whether withholding is required.

          6.7 Gender and Number. In order to shorten and to improve the
understandability of the Plan document by eliminating usage of such phrases as
"his or her" and "Employer or Employers," any masculine terminology herein shall
also include the feminine and neuter, and the definition of any term herein in
the singular shall also include the plural, except when otherwise indicated by
the context.

                                       5
<PAGE>

          6.8 Headings. Any headings used in this instrument are for convenience
of reference only and are to be ignored in the construction of any provision
hereof.

          6.9 Severabi1ity. If any provision of the Plan shall be held illegal
or invalid for any reason, such illegality or invalidity shall not affect the
remaining parts of the Plan, and the Plan shall be construed and enforced as if
such illegal or invalid provision had never been inserted herein.

          6.10 Governing Law. The Plan shall be construed, administered and
regulated in accordance with the laws of the State of Ohio, except to the extent
that such laws are preempted by Federal law.

          6.11 Effective Date. The Plan shall be effective as of January 1,
1994.

                                        NATIONAL CITY CORPORATION
Date: December 27, 1993

                                    By: /s/ William R. Robertson
                                        -------------------------------------
                                        William R. Robertson, Deputy Chairman

                                       6

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