Savings And Investment Plan - NATIONAL CITY CORP - 2-14-2005

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					EXHIBIT 10.61 AMENDMENT NO. 5 TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (as amended and restated effective January 1, 2001) National City Corporation, a Delaware corporation, and National City Bank, a national banking association, Trustee, hereby evidence the adoption of this Amendment No. 5 to the National City Savings and Investment Plan, as amended and restated effective January 1, 2001 (the "Plan"). 1. Effective January 1, 2005, Section 1.1 of Article I of the Plan is hereby amended by the deletion of paragraph (a) of subsection (14) thereunder in its entirety and the substitution in lieu thereof of a new paragraph (a) to read as follows: "(14) Covered Employee: (a) An Employee of an Employer, including a salaried executive officer but not a director, as such, but excluding: (i) any person employed as a student intern, (ii) any person who is a law enforcement officer employed by a local, county or state government and who is hired by an Employer to perform off-duty security services, (iii) any person who is an Employee of an Employer who is included in its Special Project Employee Employment classification, (iv) any Employee who is a nonresident alien and who receives no earned income (within the meaning of Code section 911(d)(2)) from the Controlled Group which constitutes income from sources within the United States (within the meaning of Code section 861(a)(3) or (v) any person who is a leased employee (within the meaning of Section 1.1(20))." 2. Effective January 1, 2005, Section 1.1 of Article I of the Plan is hereby amended by the addition of the following sentence at the end of subsection (21) thereof: "Employees who are receiving severance payments in the form of salary continuation (other than persons receiving payments under the Provident Financial Group, Inc. Severance Benefit Plan) shall be deemed to be Employees for purposes of the Plan until the expiration of such payments." 3. Effective January 1, 2004, Article V of the Plan is hereby amended by the addition of a new Section 5.8 at the end thereof to read as follows: "5.8 Limitations on Investments and Transactions/Conversions. Notwithstanding any provision of the Plan to the contrary:

(a) The Committee, in its sole and absolute discretion, may temporarily suspend, in whole or in part, certain Plan transactions, including, without limitation, the right to change or suspend contributions, and/or the right to receive a distribution, loan or withdrawal from an Account in the event of any conversion, change in recordkeeper and/or Plan merger or spinoff. (b) The Committee, in its sole and absolute discretion, may suspend, in whole or in part, temporarily or permanently, Plan transactions dealing with investments, including without limitation, the right of a Participant to change investment elections or reallocate Account balances in the event of any conversion, change in recordkeeper, change in investment funds and/or Plan merger or spinoff. (c) In the event of a change in investment funds and/or a Plan merger or spinoff, the Committee, in its sole and absolute discretion, may decide to map investments from a Participant's prior investment fund elections to the then available investment funds under the Plan. In the event that investments are mapped in this manner, the Participant shall be permitted to reallocate funds among the investment funds (in accordance with the terms of the Plan and any relevant rules and procedures adopted for this purpose) after the suspension period described in Subsection (b) of this Section (if any) is lifted.

(a) The Committee, in its sole and absolute discretion, may temporarily suspend, in whole or in part, certain Plan transactions, including, without limitation, the right to change or suspend contributions, and/or the right to receive a distribution, loan or withdrawal from an Account in the event of any conversion, change in recordkeeper and/or Plan merger or spinoff. (b) The Committee, in its sole and absolute discretion, may suspend, in whole or in part, temporarily or permanently, Plan transactions dealing with investments, including without limitation, the right of a Participant to change investment elections or reallocate Account balances in the event of any conversion, change in recordkeeper, change in investment funds and/or Plan merger or spinoff. (c) In the event of a change in investment funds and/or a Plan merger or spinoff, the Committee, in its sole and absolute discretion, may decide to map investments from a Participant's prior investment fund elections to the then available investment funds under the Plan. In the event that investments are mapped in this manner, the Participant shall be permitted to reallocate funds among the investment funds (in accordance with the terms of the Plan and any relevant rules and procedures adopted for this purpose) after the suspension period described in Subsection (b) of this Section (if any) is lifted. (d) Notwithstanding any provision of the Plan to the contrary, the investment funds shall be subject to, and governed by, all applicable legal rules and restrictions and the rules specified by the investment fund providers in the fund prospectus(es) or other governing documents thereof (to the extent such rules and procedures are imposed and enforced by the investment fund provider against the Plan or a particular Participant). Such rules, procedures and restrictions may limit the ability of a Participant to make transfers into or out of a particular investment fund and/or may result in additional transaction fees or other costs relating to such transfers. In furtherance of, but without limiting the foregoing, Trustee, recordkeeper, Committee or investment fund provider (or their delegate, as applicable) may decline to implement any investment election or instruction where it deems appropriate." 4. Effective January 1, 2004, Section 6.1 of Article VI of the Plan is hereby amended by the deletion of Section 6.1 in its entirety and the substitution in lieu thereof of a new Section 6.1 to read as follows: "6.1 Distributions In General. A Participant's interest in the Trust Fund shall only be distributable as provided in this and the following Sections of this Article. A Participant or Beneficiary who is eligible to receive a distribution under applicable Sections of this Article shall obtain a blank application for that purpose from the Committee and file with such Committee his application in writing on such form, furnishing such information as such Committee may reasonably require, including 2

satisfactory proof of his age and that of his Spouse (if applicable) and any authority in writing that the Committee may request authorizing it to obtain pertinent information, certificates, transcripts and/or other records from any public office. If available, a Participant's application for distribution may be made by means of electronic medium, including but not limited to a voice response telephonic system or personal computer access to an internet website maintained on behalf of the Plan." 5. Effective January 1, 2004, Section 6.3 of Article VI of the Plan is hereby amended by the deletion of paragraphs (2) and (3) thereunder in their entirety and the substitution in lieu thereof of new paragraphs (2) and (3) to read as follows: "(2) Distributions pursuant to this Section shall be paid or commence to be paid to a Participant as soon as practicable after, and shall be valued as of, the next Valuation Date which is at least 30 days after the later of (a) the date on which the Participant files his application with the Committee pursuant to Section 6.1 or (b) the date of the Participant's termination of employment from the Controlled Group. Notwithstanding the foregoing sentence, a Participant may, by affirmative election, request that distributions be paid or commence as soon as practicable after, and be valued as of, the next Valuation Date after the later of (a) the date on which the Participant files his application or (b) the date of the Participant's termination of employment. In no event, however, shall payment be made or commenced later than the time prescribed in Section 6.8(2) without regard to whether an application has been

satisfactory proof of his age and that of his Spouse (if applicable) and any authority in writing that the Committee may request authorizing it to obtain pertinent information, certificates, transcripts and/or other records from any public office. If available, a Participant's application for distribution may be made by means of electronic medium, including but not limited to a voice response telephonic system or personal computer access to an internet website maintained on behalf of the Plan." 5. Effective January 1, 2004, Section 6.3 of Article VI of the Plan is hereby amended by the deletion of paragraphs (2) and (3) thereunder in their entirety and the substitution in lieu thereof of new paragraphs (2) and (3) to read as follows: "(2) Distributions pursuant to this Section shall be paid or commence to be paid to a Participant as soon as practicable after, and shall be valued as of, the next Valuation Date which is at least 30 days after the later of (a) the date on which the Participant files his application with the Committee pursuant to Section 6.1 or (b) the date of the Participant's termination of employment from the Controlled Group. Notwithstanding the foregoing sentence, a Participant may, by affirmative election, request that distributions be paid or commence as soon as practicable after, and be valued as of, the next Valuation Date after the later of (a) the date on which the Participant files his application or (b) the date of the Participant's termination of employment. In no event, however, shall payment be made or commenced later than the time prescribed in Section 6.8(2) without regard to whether an application has been filed. (3) Notwithstanding anything in Subsections (1) or (2) above, a Participant described in Subsection (1) of this Section may elect to withdraw all or any portion of his Vested Interest in his Account in the form of a single sum payment. A Participant shall be limited to two such withdrawals in the same calendar year." 6. Effective January 1, 2005, Section 13.1 of Article XIII of the Plan is hereby amended by the deletion of Section 13.1 in its entirety and the substitution in lieu thereof of a new Section 13.1 to read as follows: "13.1 Right to Amend or Terminate. Subject to the limitations of Sections 4.8(1) and 7.7 of the Plan, the Company has reserved, and does hereby reserve, the right at any time, by action of (i) the Director, Corporate Human Resources; (ii) any Executive Vice President; or (iii) any officer of the Company who is senior to the Executive Vice Presidents of the Company, without the consent of any other Employer or of the Participants, Beneficiaries or any other person, (a) to terminate the Plan, in whole or in part or as to any or all of the Employers or as to any designated group of Employees, Participants and their Beneficiaries, or (b) to amend the Plan, in whole or in part. No such termination or amendment shall decrease the amount of Employer Contributions to be made by an Employer on account of any period preceding such termination or amendment. The Plan may be amended only by the Company." 3

7. Effective January 1, 2005, Section 13.2 of Article XIII of the Plan is hereby amended by the of Section 13.2 in its entirety and the substitution in lieu thereof of a new Section 13.1 to read as follows: "13.2 Procedure for Termination or Amendment. Any termination or amendment of the Plan pursuant to Section 13.1 shall be expressed in an instrument executed by the Trustee and two officers of the Company (at least one of whom is (i) the Director, Corporate Human Resources; (ii) an Executive Vice President; or (iii) an officer senior to the Executive Vice Presidents) and shall become effective as of the date designated in such instrument or, if no date is so designated, on the date of its execution." 8. Effective as of the dates set forth herein below, Article XVII of the Plan is hereby amended by adding the following new Sections at the end thereof: "17.41 Appendix AO - Relating to the acquisition of Alpine Capital Corporation by National City Bank. Attached hereto and made a part of this Plan is Appendix AO which relates to the acquisition of Alpine Capital Corporation by National City Bank and is effective as of November 1, 2004 (or such later date as may be required by law).

7. Effective January 1, 2005, Section 13.2 of Article XIII of the Plan is hereby amended by the of Section 13.2 in its entirety and the substitution in lieu thereof of a new Section 13.1 to read as follows: "13.2 Procedure for Termination or Amendment. Any termination or amendment of the Plan pursuant to Section 13.1 shall be expressed in an instrument executed by the Trustee and two officers of the Company (at least one of whom is (i) the Director, Corporate Human Resources; (ii) an Executive Vice President; or (iii) an officer senior to the Executive Vice Presidents) and shall become effective as of the date designated in such instrument or, if no date is so designated, on the date of its execution." 8. Effective as of the dates set forth herein below, Article XVII of the Plan is hereby amended by adding the following new Sections at the end thereof: "17.41 Appendix AO - Relating to the acquisition of Alpine Capital Corporation by National City Bank. Attached hereto and made a part of this Plan is Appendix AO which relates to the acquisition of Alpine Capital Corporation by National City Bank and is effective as of November 1, 2004 (or such later date as may be required by law). 17.42 Appendix AP - Relating to the acquisition of Allegiant Bancorp, Inc. by National City Corporation. Attached hereto and made a part of this Plan is Appendix AP which relates to the acquisition of Allegiant Bancorp by National City Corporation and is effective as of January 1, 2005 (or such later date as may be required by law). 17.43 Appendix AQ - Relating to the acquisition of Provident Financial Group, Inc. by National City Corporation. Attached hereto and made a part of this Plan is Appendix AQ which relates to the acquisition of Provident Financial Group, Inc. by National City Corporation and is effective as of January 1, 2005 (or such later date as may be required by law). 17.44 Appendix AR - Relating to the acquisition of Wayne Bancorp, Inc. by National City Corporation. Attached hereto and made a part of this Plan is Appendix AR which relates to the acquisition of Wayne Bancorp by National City Corporation and is effective as of January 1, 2005 (or such later date as may be required by law). 4

Executed at Cleveland, Ohio this _______ day of December, 2004.
NATIONAL CITY BANK, TRUSTEE By:______________________________ Title:___________________________ NATIONAL CITY CORPORATION By:___________________________________ Title:________________________________ By:___________________________________ Title:________________________________

5

EXHIBIT 10.62 AMENDMENT NO. 4 TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN NO. 2 (as amended and restated effective January 1, 2001) National City Corporation, a Delaware corporation, and National City Bank, a national banking association,

Executed at Cleveland, Ohio this _______ day of December, 2004.
NATIONAL CITY BANK, TRUSTEE By:______________________________ Title:___________________________ NATIONAL CITY CORPORATION By:___________________________________ Title:________________________________ By:___________________________________ Title:________________________________

5

EXHIBIT 10.62 AMENDMENT NO. 4 TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN NO. 2 (as amended and restated effective January 1, 2001) National City Corporation, a Delaware corporation, and National City Bank, a national banking association, Trustee, hereby evidence the adoption of this Amendment No. 4 to the National City Savings and Investment Plan No. 2, as amended and restated effective January 1, 2001 (the "Plan"). 1. Effective January 1, 2004, Article V of the Plan is hereby amended by the addition of a new Section 5.8 at the end thereof to read as follows: "5.8 Limitations on Investments and Transactions/Conversions. Notwithstanding any provision of the Plan to the contrary: (a) The Committee, in its sole and absolute discretion, may temporarily suspend, in whole or in part, certain Plan transactions, including, without limitation, the right to change or suspend contributions, and/or the right to receive a distribution, loan or withdrawal from an Account in the event of any conversion, change in recordkeeper and/or Plan merger or spinoff. (b) The Committee, in its sole and absolute discretion, may suspend, in whole or in part, temporarily or permanently, Plan transactions dealing with investments, including without limitation, the right of a Participant to change investment elections or reallocate Account balances in the event of any conversion, change in recordkeeper, change in investment funds and/or Plan merger or spinoff. (c) In the event of a change in investment funds and/or a Plan merger or spinoff, the Committee, in its sole and absolute discretion, may decide to map investments from a Participant's prior investment fund elections to the then available investment funds under the Plan. In the event that investments are mapped in this manner, the Participant shall be permitted to reallocate funds among the investment funds (in accordance with the terms of the Plan and any relevant rules and procedures adopted for this purpose) after the suspension period described in Subsection (b) of this Section (if any) is lifted.

(d) Notwithstanding any provision of the Plan to the contrary, the investment funds shall be subject to, and governed by, all applicable legal rules and restrictions and the rules specified by the investment fund providers in the fund prospectus(es) or other governing documents thereof (to the extent such rules and procedures are imposed and enforced by the investment fund provider against the Plan or a particular Participant). Such rules, procedures and restrictions may limit the ability of a Participant to make transfers into or out of a particular investment fund and/or may result in additional transaction fees or other costs relating to such transfers. In furtherance of, but without limiting the foregoing, Trustee, recordkeeper, Committee or investment fund provider

EXHIBIT 10.62 AMENDMENT NO. 4 TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN NO. 2 (as amended and restated effective January 1, 2001) National City Corporation, a Delaware corporation, and National City Bank, a national banking association, Trustee, hereby evidence the adoption of this Amendment No. 4 to the National City Savings and Investment Plan No. 2, as amended and restated effective January 1, 2001 (the "Plan"). 1. Effective January 1, 2004, Article V of the Plan is hereby amended by the addition of a new Section 5.8 at the end thereof to read as follows: "5.8 Limitations on Investments and Transactions/Conversions. Notwithstanding any provision of the Plan to the contrary: (a) The Committee, in its sole and absolute discretion, may temporarily suspend, in whole or in part, certain Plan transactions, including, without limitation, the right to change or suspend contributions, and/or the right to receive a distribution, loan or withdrawal from an Account in the event of any conversion, change in recordkeeper and/or Plan merger or spinoff. (b) The Committee, in its sole and absolute discretion, may suspend, in whole or in part, temporarily or permanently, Plan transactions dealing with investments, including without limitation, the right of a Participant to change investment elections or reallocate Account balances in the event of any conversion, change in recordkeeper, change in investment funds and/or Plan merger or spinoff. (c) In the event of a change in investment funds and/or a Plan merger or spinoff, the Committee, in its sole and absolute discretion, may decide to map investments from a Participant's prior investment fund elections to the then available investment funds under the Plan. In the event that investments are mapped in this manner, the Participant shall be permitted to reallocate funds among the investment funds (in accordance with the terms of the Plan and any relevant rules and procedures adopted for this purpose) after the suspension period described in Subsection (b) of this Section (if any) is lifted.

(d) Notwithstanding any provision of the Plan to the contrary, the investment funds shall be subject to, and governed by, all applicable legal rules and restrictions and the rules specified by the investment fund providers in the fund prospectus(es) or other governing documents thereof (to the extent such rules and procedures are imposed and enforced by the investment fund provider against the Plan or a particular Participant). Such rules, procedures and restrictions may limit the ability of a Participant to make transfers into or out of a particular investment fund and/or may result in additional transaction fees or other costs relating to such transfers. In furtherance of, but without limiting the foregoing, Trustee, recordkeeper, Committee or investment fund provider (or their delegate, as applicable) may decline to implement any investment election or instruction where it deems appropriate." 2. Effective January 1, 2004, Section 6.1 of Article VI of the Plan is hereby amended by the deletion of Section 6.1 in its entirety and the substitution in lieu thereof of a new Section 6.1 to read as follows: "6.1 Distributions In General. A Participant's interest in the Trust Fund shall only be distributable as provided in this and the following Sections of this Article. A Participant or Beneficiary who is eligible to receive a distribution under applicable Sections of this Article shall obtain a blank application for that purpose from the Committee and file with such Committee his application in writing on such form, furnishing such information as such Committee may reasonably require, including satisfactory proof of his age and that of his Spouse (if applicable) and any authority in writing that the Committee may request authorizing it to obtain pertinent information, certificates, transcripts and/or other records from any public office. If available, a Participant's application for distribution may be made by means of electronic medium, including but not limited to a voice response telephonic system or personal computer access to an internet website maintained on behalf of the Plan."

(d) Notwithstanding any provision of the Plan to the contrary, the investment funds shall be subject to, and governed by, all applicable legal rules and restrictions and the rules specified by the investment fund providers in the fund prospectus(es) or other governing documents thereof (to the extent such rules and procedures are imposed and enforced by the investment fund provider against the Plan or a particular Participant). Such rules, procedures and restrictions may limit the ability of a Participant to make transfers into or out of a particular investment fund and/or may result in additional transaction fees or other costs relating to such transfers. In furtherance of, but without limiting the foregoing, Trustee, recordkeeper, Committee or investment fund provider (or their delegate, as applicable) may decline to implement any investment election or instruction where it deems appropriate." 2. Effective January 1, 2004, Section 6.1 of Article VI of the Plan is hereby amended by the deletion of Section 6.1 in its entirety and the substitution in lieu thereof of a new Section 6.1 to read as follows: "6.1 Distributions In General. A Participant's interest in the Trust Fund shall only be distributable as provided in this and the following Sections of this Article. A Participant or Beneficiary who is eligible to receive a distribution under applicable Sections of this Article shall obtain a blank application for that purpose from the Committee and file with such Committee his application in writing on such form, furnishing such information as such Committee may reasonably require, including satisfactory proof of his age and that of his Spouse (if applicable) and any authority in writing that the Committee may request authorizing it to obtain pertinent information, certificates, transcripts and/or other records from any public office. If available, a Participant's application for distribution may be made by means of electronic medium, including but not limited to a voice response telephonic system or personal computer access to an internet website maintained on behalf of the Plan." 3. Effective January 1, 2004, Section 6.3 of Article VI of the Plan is hereby amended by the deletion of paragraphs (2) and (3) thereunder in their entirety and the substitution in lieu thereof of new paragraphs (2) and (3) to read as follows: "(2) Distributions pursuant to this Section shall be paid or commence to be paid to a Participant as soon as practicable after, and shall be valued as of, the next Valuation Date which is at least 30 days after the later of (a) the date on which the Participant files his application with the Committee pursuant to Section 6.1 or (b) the date of the Participant's termination of employment from the Controlled Group. Notwithstanding the foregoing sentence, a Participant may, by affirmative election, request that distributions be paid or commence as soon as practicable after, and be valued as of, the next Valuation Date after the later of (a) the date on which the Participant files his application or (b) the date of the Participant's termination of employment. In no event, however, shall payment be made or commenced later than the time prescribed in Section 6.8(2) without regard to whether an application has been filed. 2

(3) Notwithstanding anything in Subsections (1) or (2) above, a Participant described in Subsection (1) of this Section may elect to withdraw all or any portion of his Vested Interest in his Account in the form of a single sum payment. A Participant shall be limited to two such withdrawals in the same calendar year." 4. Effective January 1, 2005, Section 13.1 of Article XIII of the Plan is hereby amended by the deletion of Section 13.1 in its entirety and the substitution in lieu thereof of a new Section 13.1 to read as follows: "13.1 Right to Amend or Terminate. Subject to the limitations of Sections 4.8(1) and 7.7 of the Plan, the Company has reserved, and does hereby reserve, the right at any time, by action of (i) the Director, Corporate Human Resources; (ii) any Executive Vice President; or (iii) any officer of the Company who is senior to the Executive Vice Presidents of the Company, without the consent of any other Employer or of the Participants, Beneficiaries or any other person, (a) to terminate the Plan, in whole or in part or as to any or all of the Employers or as to any designated group of Employees, Participants and their Beneficiaries, or (b) to amend the Plan, in whole or in part. No such termination or amendment shall decrease the amount of Employer Contributions to be made by an Employer on account of any period preceding such termination or amendment. The Plan may be amended only by the Company."

(3) Notwithstanding anything in Subsections (1) or (2) above, a Participant described in Subsection (1) of this Section may elect to withdraw all or any portion of his Vested Interest in his Account in the form of a single sum payment. A Participant shall be limited to two such withdrawals in the same calendar year." 4. Effective January 1, 2005, Section 13.1 of Article XIII of the Plan is hereby amended by the deletion of Section 13.1 in its entirety and the substitution in lieu thereof of a new Section 13.1 to read as follows: "13.1 Right to Amend or Terminate. Subject to the limitations of Sections 4.8(1) and 7.7 of the Plan, the Company has reserved, and does hereby reserve, the right at any time, by action of (i) the Director, Corporate Human Resources; (ii) any Executive Vice President; or (iii) any officer of the Company who is senior to the Executive Vice Presidents of the Company, without the consent of any other Employer or of the Participants, Beneficiaries or any other person, (a) to terminate the Plan, in whole or in part or as to any or all of the Employers or as to any designated group of Employees, Participants and their Beneficiaries, or (b) to amend the Plan, in whole or in part. No such termination or amendment shall decrease the amount of Employer Contributions to be made by an Employer on account of any period preceding such termination or amendment. The Plan may be amended only by the Company." 5. Effective January 1, 2005, Section 13.2 of Article XIII of the Plan is hereby amended by the of Section 13.2 in its entirety and the substitution in lieu thereof of a new Section 13.1 to read as follows: "13.2 Procedure for Termination or Amendment. Any termination or amendment of the Plan pursuant to Section 13.1 shall be expressed in an instrument executed by the Trustee and two officers of the Company (at least one of whom is (i) the Director, Corporate Human Resources; (ii) an Executive Vice President; or (iii) an officer senior to the Executive Vice Presidents) and shall become effective as of the date designated in such instrument or, if no date is so designated, on the date of its execution." 3

Executed at Cleveland, Ohio this _______ day of December, 2004.
NATIONAL CITY BANK, TRUSTEE By:______________________________ Title:___________________________ NATIONAL CITY CORPORATION By:___________________________________ Title:________________________________ By:___________________________________ Title:________________________________

4

Exhibit 10.63 APPENDIX AO TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Alpine Capital Corporation by National City Bank) This Appendix AO relates to the acquisition of Alpine Capital Corporation ("Alpine") by National City Bank. and is effective as of November 1, 2004 (the "Effective Date"). 1. Covered Employees. Each former Alpine Employee who otherwise satisfies the requirements of Section 1.1 (14) of the Plan shall become a Covered Employee as of the later of the Effective Date or his actual date of hire.

Executed at Cleveland, Ohio this _______ day of December, 2004.
NATIONAL CITY BANK, TRUSTEE By:______________________________ Title:___________________________ NATIONAL CITY CORPORATION By:___________________________________ Title:________________________________ By:___________________________________ Title:________________________________

4

Exhibit 10.63 APPENDIX AO TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Alpine Capital Corporation by National City Bank) This Appendix AO relates to the acquisition of Alpine Capital Corporation ("Alpine") by National City Bank. and is effective as of November 1, 2004 (the "Effective Date"). 1. Covered Employees. Each former Alpine Employee who otherwise satisfies the requirements of Section 1.1 (14) of the Plan shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. 2. Service. Each former Alpine Employee shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such Alpine Employee's date of hire with Alpine. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to satisfy final Treasury Regulations issued under Section 401(a)(4) of the Code.

APPENDIX AP TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Allegiant Bancorp, Inc. by National City Corporation) This Appendix AP relates to the acquisition of Allegiant Bancorp, Inc. and its subsidiaries ("Allegiant") by National City Corporation, Inc. and is effective as of January 1, 2005 (the "Effective Date"). 1. Covered Employees. Each person employed in a Former Allegiant Bank Area Position who otherwise satisfies the requirements of Section 1.1(14) of the Plan (without regard to subsection (vii) thereof) shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. For purposes of this Appendix AP, the term `Former Allegiant Bank Area Position' shall mean any position which, prior to the Effective Date, was paid and tracked by the Allegiant Bank payroll system. 2. Service. Each person employed in a Former Allegiant Bank Area Position shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such person's original date of hire with Allegiant or National City, if applicable. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to

Exhibit 10.63 APPENDIX AO TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Alpine Capital Corporation by National City Bank) This Appendix AO relates to the acquisition of Alpine Capital Corporation ("Alpine") by National City Bank. and is effective as of November 1, 2004 (the "Effective Date"). 1. Covered Employees. Each former Alpine Employee who otherwise satisfies the requirements of Section 1.1 (14) of the Plan shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. 2. Service. Each former Alpine Employee shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such Alpine Employee's date of hire with Alpine. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to satisfy final Treasury Regulations issued under Section 401(a)(4) of the Code.

APPENDIX AP TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Allegiant Bancorp, Inc. by National City Corporation) This Appendix AP relates to the acquisition of Allegiant Bancorp, Inc. and its subsidiaries ("Allegiant") by National City Corporation, Inc. and is effective as of January 1, 2005 (the "Effective Date"). 1. Covered Employees. Each person employed in a Former Allegiant Bank Area Position who otherwise satisfies the requirements of Section 1.1(14) of the Plan (without regard to subsection (vii) thereof) shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. For purposes of this Appendix AP, the term `Former Allegiant Bank Area Position' shall mean any position which, prior to the Effective Date, was paid and tracked by the Allegiant Bank payroll system. 2. Service. Each person employed in a Former Allegiant Bank Area Position shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such person's original date of hire with Allegiant or National City, if applicable. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to satisfy final Treasury Regulations issued under Section 401(a)(4) of the Code.

APPENDIX AQ TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Provident Bancorp, Inc. by National City Corporation) This Appendix AQ relates to the acquisition of Provident Bancorp, Inc. and its subsidiaries ("Provident") by National City Corporation, Inc. and is effective as of January 1, 2005 (the "Effective Date"). 1. Covered Employees. Each Provident Employee who otherwise satisfies the requirements of Section 1.1(14) of the Plan shall become a Covered Employee as of the later of the Effective Date or his actual date of hire.

APPENDIX AP TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Allegiant Bancorp, Inc. by National City Corporation) This Appendix AP relates to the acquisition of Allegiant Bancorp, Inc. and its subsidiaries ("Allegiant") by National City Corporation, Inc. and is effective as of January 1, 2005 (the "Effective Date"). 1. Covered Employees. Each person employed in a Former Allegiant Bank Area Position who otherwise satisfies the requirements of Section 1.1(14) of the Plan (without regard to subsection (vii) thereof) shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. For purposes of this Appendix AP, the term `Former Allegiant Bank Area Position' shall mean any position which, prior to the Effective Date, was paid and tracked by the Allegiant Bank payroll system. 2. Service. Each person employed in a Former Allegiant Bank Area Position shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such person's original date of hire with Allegiant or National City, if applicable. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to satisfy final Treasury Regulations issued under Section 401(a)(4) of the Code.

APPENDIX AQ TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Provident Bancorp, Inc. by National City Corporation) This Appendix AQ relates to the acquisition of Provident Bancorp, Inc. and its subsidiaries ("Provident") by National City Corporation, Inc. and is effective as of January 1, 2005 (the "Effective Date"). 1. Covered Employees. Each Provident Employee who otherwise satisfies the requirements of Section 1.1(14) of the Plan shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. 2. Service. Each Provident Employee shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such Provident Employee's date of hire with Provident. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to satisfy final Treasury Regulations issued under Section 401(a)(4) of the Code. 3. Eligibility for Participation. With respect to any Provident Employee who's employment with Provident commenced prior to January 1, 2005 and who was eligible to participate in the Provident Bancorp 401(k) Plan, the requirement of subsection (2) of Section 2.1 of the Plan shall not apply. Such Provident Employee shall be eligible to commence participation in the Plan pursuant to Sections 2.2 or 2.6, as applicable, upon the Effective Date, provided that such Provident Employee has otherwise satisfied the requirements of Sections 2.2 or 2.6 of the Plan.

APPENDIX AR TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Wayne National Bancorp, Inc. by National City Corporation)

APPENDIX AQ TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Provident Bancorp, Inc. by National City Corporation) This Appendix AQ relates to the acquisition of Provident Bancorp, Inc. and its subsidiaries ("Provident") by National City Corporation, Inc. and is effective as of January 1, 2005 (the "Effective Date"). 1. Covered Employees. Each Provident Employee who otherwise satisfies the requirements of Section 1.1(14) of the Plan shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. 2. Service. Each Provident Employee shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such Provident Employee's date of hire with Provident. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to satisfy final Treasury Regulations issued under Section 401(a)(4) of the Code. 3. Eligibility for Participation. With respect to any Provident Employee who's employment with Provident commenced prior to January 1, 2005 and who was eligible to participate in the Provident Bancorp 401(k) Plan, the requirement of subsection (2) of Section 2.1 of the Plan shall not apply. Such Provident Employee shall be eligible to commence participation in the Plan pursuant to Sections 2.2 or 2.6, as applicable, upon the Effective Date, provided that such Provident Employee has otherwise satisfied the requirements of Sections 2.2 or 2.6 of the Plan.

APPENDIX AR TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Wayne National Bancorp, Inc. by National City Corporation) This Appendix AR relates to the acquisition of Wayne National Bancorp, Inc. and its subsidiaries ("Wayne") by National City Corporation, Inc. and is effective as of January 1, 2005 (the "Effective Date"). 1. Covered Employees. Each Wayne Employee who otherwise satisfies the requirements of Section 1.1(14) of the Plan shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. 2. Service. Each Wayne Employee shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such Wayne Employee's date of hire with Wayne. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to satisfy final Treasury Regulations issued under Section 401(a)(4) of the Code. 3. Eligibility for Participation. With respect to any Wayne Employee who's employment with Wayne commenced prior to January 1, 2005 and who was eligible to participate in the Wayne Bancorp 401(k) Plan, the requirement of subsection (2) of Section 2.1 of the Plan shall not apply. Such Wayne Employee shall be eligible to commence participation in the Plan pursuant to Sections 2.2 or 2.6, as applicable, upon the Effective Date, provided that such Wayne Employee has otherwise satisfied the requirements of Sections 2.2 or 2.6 of the Plan.

EXHIBIT 12.1 NATIONAL CITY CORPORATION

APPENDIX AR TO THE NATIONAL CITY SAVINGS AND INVESTMENT PLAN (relating to the acquisition of Wayne National Bancorp, Inc. by National City Corporation) This Appendix AR relates to the acquisition of Wayne National Bancorp, Inc. and its subsidiaries ("Wayne") by National City Corporation, Inc. and is effective as of January 1, 2005 (the "Effective Date"). 1. Covered Employees. Each Wayne Employee who otherwise satisfies the requirements of Section 1.1(14) of the Plan shall become a Covered Employee as of the later of the Effective Date or his actual date of hire. 2. Service. Each Wayne Employee shall be credited with service under the Plan with respect to vesting and eligibility to participate in the Plan, and with respect to eligibility for benefits, from such Wayne Employee's date of hire with Wayne. Notwithstanding the foregoing, no highly compensated employee (as such term is defined in section 414(q) of the Code) shall be credited with service pursuant to this paragraph 2 to the extent that such service would cause the Plan to fail to satisfy final Treasury Regulations issued under Section 401(a)(4) of the Code. 3. Eligibility for Participation. With respect to any Wayne Employee who's employment with Wayne commenced prior to January 1, 2005 and who was eligible to participate in the Wayne Bancorp 401(k) Plan, the requirement of subsection (2) of Section 2.1 of the Plan shall not apply. Such Wayne Employee shall be eligible to commence participation in the Plan pursuant to Sections 2.2 or 2.6, as applicable, upon the Effective Date, provided that such Wayne Employee has otherwise satisfied the requirements of Sections 2.2 or 2.6 of the Plan.

EXHIBIT 12.1 NATIONAL CITY CORPORATION COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES (UNAUDITED)
--------------------------------------------------------------------------------------------------------For the Calendar Year ------------------------------------------(DOLLARS IN THOUSANDS) 2004 2003 2002 2 --------------------------------------------------------------------------------------------------------COMPUTATION EXCLUDING PREFERRED STOCK DIVIDENDS: Income before income tax expense $4,077,940 $3,237,466 $2,168,801 $2,1 Interest on nondeposit interest bearing liabilities 697,204 738,085 762,163 1,1 Portion of rental expense deemed representative of interest 40,592 37,116 37,544 --------------------------------------------------------------------------------------------------------Total income for computation excluding interest on deposits 4,815,736 4,012,667 2,968,508 3,3 Interest on deposits 896,131 891,731 1,148,378 1,7 --------------------------------------------------------------------------------------------------------Total income for computation including interest on deposits $5,711,867 $4,904,398 $4,116,886 $5,1 ========================================================================================================= Fixed charges excluding interest on deposits $ 737,796 $ 775,201 $ 799,707 $1,2 ========================================================================================================= Fixed charges including interest on deposits $1,633,927 $1,666,932 $1,948,085 $3,0 ========================================================================================================= Ratio excluding interest on deposits 6.53X 5.18x 3.71x Ratio including interest on deposits 3.50X 2.94x 2.11x COMPUTATION INCLUDING PREFERRED STOCK DIVIDENDS: Total income for computation excluding interest on deposits $4,815,736 $4,012,667 $2,968,508 $3,3 ========================================================================================================= Total income for computation including interest on deposits $5,711,867 $4,904,398 $4,116,886 $5,1 ========================================================================================================= Fixed charges excluding interest on deposits and preferred

EXHIBIT 12.1 NATIONAL CITY CORPORATION COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES (UNAUDITED)
--------------------------------------------------------------------------------------------------------For the Calendar Year ------------------------------------------(DOLLARS IN THOUSANDS) 2004 2003 2002 2 --------------------------------------------------------------------------------------------------------COMPUTATION EXCLUDING PREFERRED STOCK DIVIDENDS: Income before income tax expense $4,077,940 $3,237,466 $2,168,801 $2,1 Interest on nondeposit interest bearing liabilities 697,204 738,085 762,163 1,1 Portion of rental expense deemed representative of interest 40,592 37,116 37,544 --------------------------------------------------------------------------------------------------------Total income for computation excluding interest on deposits 4,815,736 4,012,667 2,968,508 3,3 Interest on deposits 896,131 891,731 1,148,378 1,7 --------------------------------------------------------------------------------------------------------Total income for computation including interest on deposits $5,711,867 $4,904,398 $4,116,886 $5,1 ========================================================================================================= Fixed charges excluding interest on deposits $ 737,796 $ 775,201 $ 799,707 $1,2 ========================================================================================================= Fixed charges including interest on deposits $1,633,927 $1,666,932 $1,948,085 $3,0 ========================================================================================================= Ratio excluding interest on deposits 6.53X 5.18x 3.71x Ratio including interest on deposits 3.50X 2.94x 2.11x COMPUTATION INCLUDING PREFERRED STOCK DIVIDENDS: Total income for computation excluding interest on deposits $4,815,736 $4,012,667 $2,968,508 $3,3 ========================================================================================================= Total income for computation including interest on deposits $5,711,867 $4,904,398 $4,116,886 $5,1 ========================================================================================================= Fixed charges excluding interest on deposits and preferred stock dividends $ 737,796 $ 775,201 $ 799,707 $1,2 Pretax preferred stock dividends 1,209 -32 --------------------------------------------------------------------------------------------------------Fixed charges including preferred stock dividends, excluding interest on deposits 739,005 775,201 799,739 1,2 Interest on deposits 896,131 891,731 1,148,378 1,7 --------------------------------------------------------------------------------------------------------Fixed charges including interest on deposits and preferred stock dividends $1,635,136 $1,666,932 $1,948,117 $3,0 ========================================================================================================= Ratio excluding interest on deposits 6.52X 5.18x 3.71x Ratio including interest on deposits 3.49X 2.94x 2.11x COMPONENTS OF FIXED CHARGES: Interest: Interest on deposits $ 896,131 $ 891,731 $1,148,378 $1,7 Interest on nondeposit interest bearing liabilities 697,204 738,085 762,163 1,1 --------------------------------------------------------------------------------------------------------Total interest charges $1,593,335 $1,629,816 $1,910,541 $2,9 ========================================================================================================= Rental Expense: Building rental expense $ 123,005 $ 112,474 $ 113,769 $ 1 Portion of rental expense deemed representative of interest 40,592 37,116 37,544 Preferred Stock Charge: Preferred stock dividends 786 -21 Pretax preferred dividends 1,209 -32 =========================================================================================================

.

. . . EXHIBIT 21.1 SUBSIDIARIES OF REGISTRANT
STATE OR JURISDICTION UNDER THE LAW OF WHICH ORGANIZED --------------------Indiana Ohio Ohio Ohio California Indiana Vermont Indiana California Indiana Missouri Delaware Missouri Missouri Delaware Missouri Delaware Michigan Vermont Illinois Indiana Indiana Indiana Ohio Indiana Connecticut Indiana Florida Ohio Ohio Ohio Virginia Indiana Indiana Indiana Indiana Indiana Indiana Missouri Missouri Indiana Indiana Indiana Indiana Delaware Delaware Indiana Kentucky Delaware Indiana Indiana

1st Choice Mortgage, LLC.................................... 1st Premier Mortgage, LP.................................... 1st Residential Mortgage Solutions, LP...................... Access Financial Corp....................................... AccuLend Mortgage, L.P...................................... Action Home Mortgage, LLC................................... Advent Guaranty Corporation................................. Affirmative Mortgage, LLC................................... AHT Service Corp............................................ All American First Mortgage, LLC............................ Allegiant Capital Corporation............................... Allegiant Capital Trust II.................................. Allegiant Community Development Corporation................. Allegiant Insurance Services Co............................. Allegiant Investment Company................................ Allegiant Investment Counselors, Incorporated............... Allegiant Real Estate Investment Trust...................... Alliance Title Agency, L.L.C................................ ALLINCO, Inc................................................ Alpine Capital Corporation.................................. American Best Mortgage, LLC................................. Americorp First Mortgage, LLC............................... AmeriMax Mortgage, LLC...................................... Ameritrust Home Mortgage, LP................................ Ash Realty Co., Inc......................................... Banc Services Statutory Trust I............................. Cape Henry Mortgage, LLC.................................... Capstone Mortgage Funding, L.L.C............................ Capstone Realty Advisors, LLC............................... Capstone Realty, Inc........................................ Chippewa Valley Title Agency, Inc........................... Coastal Capital Funding Corporation......................... Colonial Home Finance, LLC.................................. County Corp. Mortgage, LLC.................................. Covenant Mortgage, LLC...................................... Delmarva Mortgage, LLC...................................... Dominion Trust Mortgage, LLC................................ Enter Mortgage, LLC......................................... Equality Commodity Corporation.............................. Equality Mortgage Corporation............................... Executive Home Mortgage, LLC................................ FCB Mortgage, LLC........................................... First Capital Home Mortgage, LLC............................ First Flight Mortgage, LLC.................................. First Franklin Financial Companies, Inc..................... First Franklin Financial Corporation........................ First Independent Mortgage, LLC............................. First National Broadway Corp................................ First of America Capital Trust I (Trust).................... First Patriot Mortgage, LLC................................. First Washington Mortgage, LLC..............................

STATE OR JURISDICTION UNDER THE LAW OF WHICH ORGANIZED

Fort Wayne Capital Trust I (Trust).......................... Franklin Mortgage Capital Corporation....................... Gateway First Mortgage, LLC................................. Global Home Mortgage, LLC................................... HDMF-LLC.................................................... Heartland Security Mortgage, LLC............................ Heritage Home Mortgage, LLC................................. Home Financing, LP.......................................... Homeland First Mortgage, LLC................................ Home Mortgage Centre, LLC................................... Homesource Mortgage Services, LP............................ HomeSync Financial Services, LLC............................ Hometown Mortgage, LLC...................................... Intercoastal Mortgage, LLC.................................. Kratky Road, Inc............................................ Liberty West Mortgage, L.P.................................. Lincoln First Mortgage, LLC................................. Lower Bucks Mortgage, LP.................................... MNC Mortgage, LP............................................ Meadow Ridge Partners, LLC.................................. Mid Atlantic Mortgage, LLC.................................. MidOhio Data, Inc........................................... Milestone Security Partners, LLC............................ Millstone Mortgage, LP...................................... Mortgage Company of Kentucky, Inc........................... Mortgage One, L.P........................................... NCBI Holdings, Inc.......................................... NCBO Holdings, Inc.......................................... NCBPA Investment Company.................................... NCLIC, Inc.................................................. NCS First Mortgage, LP...................................... NatCity Investments, Inc.................................... NatCity Trust Company of Delaware........................... National American Mortgage, LLC............................. National Capital Properties, Inc............................ National City Abstract, LLC................................. National City Bank.......................................... National City Bank of Indiana............................... National City Bank of Kentucky.............................. National City Bank of Pennsylvania.......................... National City Bank of Southern Indiana...................... National City Bank of the Midwest........................... National City Business Credit, Inc.......................... National City Canada, Inc................................... National City Capital Corporation........................... National City Capital Trust I (Trust)....................... National City Center, LLC................................... National City Commercial Capital Corporation................ National City Commercial Capital Corporation................ National City Commercial Leasing, Inc....................... National City Community Development Corporation............. National City Credit Corporation............................ National City DND, Inc...................................... National City Equity Partners, Inc..........................

STATE OR JURISDICTION UNDER THE LAW OF WHICH ORGANIZED --------------------Delaware Virginia Indiana Indiana Delaware Indiana Indiana Ohio Indiana Indiana Ohio Indiana Indiana Indiana Missouri California Indiana Ohio Ohio Ohio Indiana Ohio Ohio Ohio Kentucky California Indiana Indiana Delaware Vermont Ohio Indiana Delaware Indiana Kentucky Pennsylvania United States United States United States United States United States United States Ohio Canada Delaware Delaware Ohio Ohio Canada Ohio Ohio Ohio Delaware Delaware

National National National National National National National National

City City City City City City City City

Equity Partners, LLC.......................... Home Loan Services, Inc....................... Indiana, LLC.................................. Insurance Agency of Kentucky, Inc............. Insurance Agency of Pennsylvania, Inc......... Insurance Group, Inc.......................... Investment Company -- Nevada, Inc............. Investment Management Company.................

STATE OR JURISDICTION UNDER THE LAW OF WHICH ORGANIZED --------------------Ohio Delaware Indiana Kentucky Pennsylvania Michigan Nevada Michigan

National City Equity Partners, LLC.......................... National City Home Loan Services, Inc....................... National City Indiana, LLC.................................. National City Insurance Agency of Kentucky, Inc............. National City Insurance Agency of Pennsylvania, Inc......... National City Insurance Group, Inc.......................... National City Investment Company -- Nevada, Inc............. National City Investment Management Company................. National City Leasing Corporation........................... National City Mortgage Co................................... National City Mortgage, Inc................................. National City Mortgage Insurance Company, Inc............... National City Mortgage Services Co.......................... National City Ohio, LLC..................................... National City Payments, Inc................................. National City Securities Company, LLC....................... National City Trade Services Limited........................ National City Vehicle Receivables Inc....................... New England Trust Company, National Association............. Nottingham Corporation...................................... Oak Street Capital, LP...................................... Ohio National Corporation Trade Services.................... PB Realty, Inc.............................................. Peninsula Mortgage, LLC..................................... PFGI Capital Corporation.................................... Platinum First Mortgage, LP................................. Premier Lending Services, LP................................ Procurement Alternatives Corporation........................ Provident Auto Leasing Company.............................. Provident Auto Rental Company LLC (1998-1).................. Provident Auto Rental Company LLC (1998-2).................. Provident Auto Rental L.L.C. (1999-1)....................... Provident Auto Rental LLC (2000-1).......................... Provident Auto Rental LLC (2000-2).......................... Provident Auto Rental LLC (2001-1).......................... Provident Capital Trust I................................... Provident Capital Trust II.................................. Provident Capital Trust III................................. Provident Capital Trust IV.................................. Provident Community Development Company, LLC................ Provident Insurance Agency, Inc............................. Provident Lease Receivables Company LLC..................... Provident Recap I, LLC...................................... Provident Technical Services, Inc........................... Red Capital Advisors, LLC................................... Red Capital Markets, Inc.................................... Red Fund I Series A, LLC.................................... Red Fund I Series B, LLC.................................... Red Mortgage Capital, Inc................................... Regional First Mortgage, LLC................................ Reliable Mortgage Investors, LLC............................ REO Mortgage Services, LP................................... RFI Series A Class 1, LLC................................... RFI Series A Class 2, LLC...................................

STATE OR JURISDICTION UNDER THE LAW OF WHICH ORGANIZED --------------------Ohio Delaware Indiana Kentucky Pennsylvania Michigan Nevada Michigan Kentucky Ohio Ohio Hawaii Michigan Indiana Delaware Delaware Hong Kong Delaware United States Pennsylvania Ohio Ohio Ohio Indiana Maryland Ohio California Ohio Delaware Delaware Delaware Delaware Delaware Delaware Delaware Delaware Delaware Delaware Delaware Ohio Ohio Delaware Delaware Ohio Ohio Ohio Delaware Delaware Ohio Indiana Indiana Ohio Ohio Delaware

RFI Series B Class 1, LLC................................... RFI Series B Class 2, LLC................................... SCDC, LLC................................................... Sterling Asset Management Co................................ Sterling Private Investments, Inc........................... Summit First Financial, LLC................................. SunAmerica Affordable Housing Partners 65................... Supreme Capital Mortgage, LLC...............................

STATE OR JURISDICTION UNDER THE LAW OF WHICH ORGANIZED --------------------Ohio Delaware Ohio Ohio Ohio Indiana Nevada Indiana

RFI Series B Class 1, LLC................................... RFI Series B Class 2, LLC................................... SCDC, LLC................................................... Sterling Asset Management Co................................ Sterling Private Investments, Inc........................... Summit First Financial, LLC................................. SunAmerica Affordable Housing Partners 65................... Supreme Capital Mortgage, LLC............................... The First Mortgage Group, LLC............................... The Madison Bank & Trust Company............................ The Provident Bank.......................................... The Right Home Mortgage, LP................................. Tidewater First Mortgage, LLC............................... Valley Mortgage Services, LP................................ Virginia First Mortgage, LLC................................ Virginia Home Mortgage, LLC................................. Western Properties, Inc..................................... Western Reserve Company.....................................

STATE OR JURISDICTION UNDER THE LAW OF WHICH ORGANIZED --------------------Ohio Delaware Ohio Ohio Ohio Indiana Nevada Indiana Indiana Indiana Ohio Ohio Indiana Ohio Indiana Indiana Pennsylvania Pennsylvania

EXHIBIT 23.1 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the following Registration Statements of National City Corporation of our reports dated February 8, 2005 with respect to the consolidated financial statements of National City Corporation and subsidiaries, National City Corporation management's assessment of the effectiveness of internal control over financial reporting, and the effectiveness of internal control over financial reporting of National City Corporation, included in this Annual Report (Form 10-K) for the year ended December 31, 2004.
REGISTRATION STATEMENT NO. ------------33-44209 33-44209 33-52271 33-45363 33-56539 33-56539 33-57045 33-58815 333-01697 333-01697 333-01697 333-104080 333-104080 333-104080 333-46571 333-46571 333-46571 333-45609 333-45609 333-45609 333-58923 333-60411 333-71207 333-71207 333-31827 333-31827 333-61712 333-61712 333-67354 333-67354

FORM ---S-3 S-3 S-8 S-8 S-4 S-4 S-8 S-8 S-4 S-4/A S-4 S-3 S-3/A S-3 S-4 S-4 S-4 S-4 S-4/A S-4 S-8 S-8 S-3 S-3/A S-4 S-4/A S-8 S-8 S-8 S-8

DESCRIPTION -----------------------------------------------------------Registration Statement Post-Effective Amendment Nos. 1 & 2 Registration Statement Registration Statement Registration Statement Post-Effective Amendment No. 1 on Form S-8 Registration Statement Registration Statement Post-Effective Amendment No. 1 on Form S-8 Amendment No. 1 Registration Statement Registration Statement Amendment No. 1 Post-Effective Amendment No. 1 Registration Statement Post-Effective Amendment No. 1 Post-Effective Amendment No. 2 on Form S-8 Registration Statement Amendment No. 1 Post-Effective Amendment No. 1 on Form S-8 Registration Statement Registration Statement Registration Statement Amendment No. 1 Registration Statement Amendment Nos. 1 & 2 Registration Statement Post-Effective Amendment Nos. 1, 2 & 3 Registration Statement Post-Effective Amendment Nos. 1, 2 & 3

EXHIBIT 23.1 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the following Registration Statements of National City Corporation of our reports dated February 8, 2005 with respect to the consolidated financial statements of National City Corporation and subsidiaries, National City Corporation management's assessment of the effectiveness of internal control over financial reporting, and the effectiveness of internal control over financial reporting of National City Corporation, included in this Annual Report (Form 10-K) for the year ended December 31, 2004.
REGISTRATION STATEMENT NO. ------------33-44209 33-44209 33-52271 33-45363 33-56539 33-56539 33-57045 33-58815 333-01697 333-01697 333-01697 333-104080 333-104080 333-104080 333-46571 333-46571 333-46571 333-45609 333-45609 333-45609 333-58923 333-60411 333-71207 333-71207 333-31827 333-31827 333-61712 333-61712 333-67354 333-67354 333-98731 333-98731 333-121536 333-119950 333-116872 333-116231 333-114370 333-113888 333-113888 333-113888 333-112617 333-112617

FORM ---S-3 S-3 S-8 S-8 S-4 S-4 S-8 S-8 S-4 S-4/A S-4 S-3 S-3/A S-3 S-4 S-4 S-4 S-4 S-4/A S-4 S-8 S-8 S-3 S-3/A S-4 S-4/A S-8 S-8 S-8 S-8 S-8 S-8 S-8 S-8 S-4 S-8 S-8 S-4 S-4/A S-4 S-4 S-4/A

DESCRIPTION -----------------------------------------------------------Registration Statement Post-Effective Amendment Nos. 1 & 2 Registration Statement Registration Statement Registration Statement Post-Effective Amendment No. 1 on Form S-8 Registration Statement Registration Statement Post-Effective Amendment No. 1 on Form S-8 Amendment No. 1 Registration Statement Registration Statement Amendment No. 1 Post-Effective Amendment No. 1 Registration Statement Post-Effective Amendment No. 1 Post-Effective Amendment No. 2 on Form S-8 Registration Statement Amendment No. 1 Post-Effective Amendment No. 1 on Form S-8 Registration Statement Registration Statement Registration Statement Amendment No. 1 Registration Statement Amendment Nos. 1 & 2 Registration Statement Post-Effective Amendment Nos. 1, 2 & 3 Registration Statement Post-Effective Amendment Nos. 1, 2 & 3 Registration Statement Post-Effective Amendment No. 1 Registration Statement Registration Statement Registration Statement Registration Statement Registration Statement Registration Statement Amendment No. 1 Post-Effective Amendment No. 1 on Form S-8 Registration Statement Amendment No. 1

/s/ Ernst & Young LLP Cleveland, Ohio February 8, 2005

EXHIBIT 24.1

EXHIBIT 24.1 DIRECTORS AND OFFICERS OF NATIONAL CITY CORPORATION REGISTRATION STATEMENT ON FORM 10-K POWER OF ATTORNEY The undersigned directors and officers of National City Corporation, a Delaware corporation (the "Corporation") which anticipates filing an Annual Report on Form 10-K for the Corporation's fiscal year ended December 31, 2004 with the Securities and Exchange Commission pursuant to the Securities Exchange Act of 1934, as amended, and the rules and regulations promulgated thereunder, hereby constitute and appoint David L. Zoeller, Carlton E. Langer and Thomas A. Richlovsky, and each of them, with full power of substitution and resubstitution, as attorneys or attorney of the undersigned, to sign in the capacities indicated below, said Form 10-K, and any and all amendments and exhibits thereto, or other documents to be filed with, or submitted to, the Securities and Exchange Commission pertaining thereto, with full power and authority to do and perform any and all acts and things whatsoever required and necessary to be done in the premises, as fully to all intents and purposes as the undersigned could do if personally present, hereby ratifying and approving the acts of said attorneys, and any of them, and any such substitute. EXECUTED as of this 10th day of January, 2005.
/s/ JON E. BARFIELD ----------------------------------------------------Jon E. Barfield /s/ JAMES S. BROADHURST ----------------------------------------------------James S. Broadhurst /s/ JOHN W. BROWN ----------------------------------------------------John W. Brown /s/ CHRISTOPHER M. CONNOR ----------------------------------------------------Christopher M. Connor /s/ DAVID A. DABERKO ----------------------------------------------------David A. Daberko /s/ JOSEPH T. GORMAN ----------------------------------------------------Joseph T. Gorman /s/ BERNADINE P. HEALY, M.D. ----------------------------------------------------Bernadine P. Healy, M.D. /s/ S. CRAIG LINDNER ----------------------------------------------------S. Craig Lindner /s/ PAUL A. ORMOND ----------------------------------------------------Paul A. Ormond /s/ ROBERT A. PAUL ----------------------------------------------------Robert A. Paul /s/ GERALD L. SHAHEEN ----------------------------------------------------Gerald L. Shaheen Director

Director

Director

Director

Chairman of the Board and Chief Executive Officer (Principal Executive Officer) Director

Director

Director

Director

Director

Director

/s/ JERRY SUE THORNTON, Ph.D. ----------------------------------------------------Jerry Sue Thornton, Ph.D. /s/ MORRY WEISS ----------------------------------------------------Morry Weiss

Director

Director

EXHIBIT 31.1 SARBANES-OXLEY ACT SECTION 302 CERTIFICATION OF CHIEF EXECUTIVE OFFICER I, David A. Daberko, certify that: 1. I have reviewed this annual report on Form 10-K of National City Corporation; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; 3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; 4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and 5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors: a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and b) Any fraud, whether or not material, that involves management or other employees who have a significant role

EXHIBIT 31.1 SARBANES-OXLEY ACT SECTION 302 CERTIFICATION OF CHIEF EXECUTIVE OFFICER I, David A. Daberko, certify that: 1. I have reviewed this annual report on Form 10-K of National City Corporation; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; 3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; 4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and 5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors: a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
Date: February 14, 2005 By: /s/ David A. Daberko -----------------------------David A. Daberko Chairman and Chief Executive Officer

EXHIBIT 31.2 SARBANES-OXLEY ACT SECTION 302 CERTIFICATION OF CHIEF FINANCIAL OFFICER I, Jeffrey D. Kelly, certify that: 1. I have reviewed this annual report on Form 10-K of National City Corporation; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; 3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; 4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and 5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors: a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
Date: February 14, 2005 By: /s/ Jeffrey D. Kelly -----------------------------Jeffrey D. Kelly Vice Chairman and Chief Financial Officer

EXHIBIT 31.2 SARBANES-OXLEY ACT SECTION 302 CERTIFICATION OF CHIEF FINANCIAL OFFICER I, Jeffrey D. Kelly, certify that: 1. I have reviewed this annual report on Form 10-K of National City Corporation; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report; 3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; 4. The registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; c) Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and d) Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and 5. The registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors: a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.
Date: February 14, 2005 By: /s/ Jeffrey D. Kelly -----------------------------Jeffrey D. Kelly Vice Chairman and Chief Financial Officer

EXHIBIT 32.1 SARBANES-OXLEY ACT SECTION 906 CERTIFICATION OF CHIEF EXECUTIVE OFFICER Pursuant to 18 U.S.C. section 1350, the undersigned officer of National City Corporation (the "Company"), hereby certifies, to such officer's knowledge, that the Company's Annual Report on Form 10-K for the year ended December 31, 2004 (the "Report") fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
Date: February 14, 2005 By: /s/ David A Daberko -----------------------------David A. Daberko Chairman and Chief Executive Officer

The signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.

EXHIBIT 32.2 SARBANES-OXLEY ACT SECTION 906 CERTIFICATION OF CHIEF FINANCIAL OFFICER Pursuant to 18 U.S.C. section 1350, the undersigned officer of National City Corporation (the "Company"), hereby certifies, to such officer's knowledge, that the Company's Annual Report on Form 10-K for the year ended December 31, 2004 (the "Report") fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
Date: February 14, 2005 By: /s/ Jeffrey D. Kelly -----------------------------Jeffrey D. Kelly Vice Chairman and Chief Financial Officer

The signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.

EXHIBIT 99.1 NEW YORK STOCK EXCHANGE

EXHIBIT 32.1 SARBANES-OXLEY ACT SECTION 906 CERTIFICATION OF CHIEF EXECUTIVE OFFICER Pursuant to 18 U.S.C. section 1350, the undersigned officer of National City Corporation (the "Company"), hereby certifies, to such officer's knowledge, that the Company's Annual Report on Form 10-K for the year ended December 31, 2004 (the "Report") fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
Date: February 14, 2005 By: /s/ David A Daberko -----------------------------David A. Daberko Chairman and Chief Executive Officer

The signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.

EXHIBIT 32.2 SARBANES-OXLEY ACT SECTION 906 CERTIFICATION OF CHIEF FINANCIAL OFFICER Pursuant to 18 U.S.C. section 1350, the undersigned officer of National City Corporation (the "Company"), hereby certifies, to such officer's knowledge, that the Company's Annual Report on Form 10-K for the year ended December 31, 2004 (the "Report") fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
Date: February 14, 2005 By: /s/ Jeffrey D. Kelly -----------------------------Jeffrey D. Kelly Vice Chairman and Chief Financial Officer

The signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.

EXHIBIT 99.1 NEW YORK STOCK EXCHANGE

EXHIBIT 32.2 SARBANES-OXLEY ACT SECTION 906 CERTIFICATION OF CHIEF FINANCIAL OFFICER Pursuant to 18 U.S.C. section 1350, the undersigned officer of National City Corporation (the "Company"), hereby certifies, to such officer's knowledge, that the Company's Annual Report on Form 10-K for the year ended December 31, 2004 (the "Report") fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
Date: February 14, 2005 By: /s/ Jeffrey D. Kelly -----------------------------Jeffrey D. Kelly Vice Chairman and Chief Financial Officer

The signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906, has been provided to the Company and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request.

EXHIBIT 99.1 NEW YORK STOCK EXCHANGE CERTIFICATION OF CHIEF EXECUTIVE OFFICER The undersigned Chief Executive Officer of National City Corporation certifies to the New York Stock Exchange that, as of the date of this certification, he is unaware of any violation by National City Corporation of the New York Stock Exchange's corporate governance listing standards in effect as of the date of this certification.
Date: February 14, 2005 By: /s/ David A Daberko -----------------------------David A. Daberko Chairman and Chief Executive Officer

EXHIBIT 99.1 NEW YORK STOCK EXCHANGE CERTIFICATION OF CHIEF EXECUTIVE OFFICER The undersigned Chief Executive Officer of National City Corporation certifies to the New York Stock Exchange that, as of the date of this certification, he is unaware of any violation by National City Corporation of the New York Stock Exchange's corporate governance listing standards in effect as of the date of this certification.
Date: February 14, 2005 By: /s/ David A Daberko -----------------------------David A. Daberko Chairman and Chief Executive Officer