1. nationalcity.com

2. National City Overview Branch Sales and Management Development Program (Retail) Why National City? Are you a good fit for NCC? Questions and Discussion Presentation Outline

3. Who is National City? Ninth largest financial holding company with assets of more than $118 billion Primary businesses: Commercial and Retail Banking, Consumer Finance, Asset Management, Mortgage Financing and Servicing, and Payment Processing We’re ranked 215 on the Fortune 500 We are No. 1 in Corporate Governance among those companies in the S & P 500, as well as in the banking industry

4. Who is National City? Strong history of stability and financial performance We ranked 60 th in “Great Places to work” according to Money Magazine’s Corporate America’s best benefit report 33,000+ employees Customer Champion Organization

5. NCC Geographic Locations Chicago Indianapolis Detroit Pittsburgh Louisville Columbus Cleveland

6. NCC and Newly Acquired Allegiant Branches

7. Core Deposit Growth ($ in millions)

8. National City Business Mix Wholesale Banking 13.0 % Asset Management 3.9% National Processing 2.0% Consumer and Small Business Financial Services 25.9% National Consumer Finance 55.2% 2003 Net Income National City Mortgage Co. 38.7%

9. Online Banking / Bill Payment Online bill payment households are 10x more likely to retain their relationship with National City compared to non-online households.

10. Online Banking Success Gomez Scorecard 4Q03 Banker 1. Citibank 2. Bank of America 3. Wells Fargo 4. Charter One 5. Huntington 6. Chase 7. E*Trade 8. National City 9. Key 10. HSBC Gomez Scorecard 1Q03 Credit Cards 1.Citibank 2.American Express 3.Discover Card 4.Direct Merchants Bank 5. Juniper 6. Bank of America 7. Sears 8. Fleet Boston 9. Chase 10. National City (tie) 10. Household Bank Gomez Scorecard 2Q03 Mortgages 1. IndyMac Bank Home Lending 2. Countrywide 3. E-Loan 4. E*Trade Mortgage 5. Charter One 6. Quicken Loans 7. WaMu Home Loans 8. AMB AMRO 9. GMAC Mortgage 10. National City Gomez Scorecard 4Q03 Small Business 1. Bank of America 2. National City 3. Wells Fargo 4. Key 5. Fleet 6. Chase 7. Wachovia 8. Bank One 9. HSBC 10. US Bank Source: Gomez Advisors

11. Attract great talent to the corporation Develop them faster and better Keep them NCC: Leadership Development Vision

12. Continue to establish National City as a Recognized Performance Leader Understanding our clients, what they need, and why they buy from us drives our product offerings and marketing guidelines Attract and retain the “Best & Brightest” National City Overview: Strategy

13. Program in place since 1973 On-the-job 30-36 month program Augmented with classroom training and special project assignments Branch Network is the key delivery channel used by the majority of National City customers Preferred Qualifications: Bachelors degree, preferably with a major in business, economics, liberal arts or marketing/sales. Branch Sales and Management

14. AssignmentDuration Customer Service Rep/ 4 months Operations Sales Associate9 - 12 months Advanced Sales/10 - 12 months Managerial Classroom TrainingAs Scheduled Management or Sales Position in Branch network

15. Skill Set Learned and Applied: Sales Skills Customer Service Skills Leadership Skills Management Skills Time Management Skills Branch Sales and Management

16. Commitment to Employee Success and Growth Team-Oriented Culture Strong Business and Financial Base Commitment to Leadership Development Quality of Life Dedicated to Serving Our Communities Commitment to Diversity Why National City?

17. Competitive Benefits and Compensation Paid holidays and vacation 401(k) plan with matching employer contributions Relocation benefits Free or reduced-rate banking services Educational assistance Your choice of comprehensive medical and dental coverage Life insurance and disability coverage

18. We’re looking for Leaders Knowing and Serving Customers Setting a Clear Strategic Course Executing Superbly Embracing Change and Innovation Leadership Competency Model: Success Attributes Developing People Empowering the Organization Being a Strong Team Player

19. First Hand Experience “Through the Branch Sales and Management Development Program, I have developed my management skills and gained a thorough understanding of consumer and small business banking services, policies and procedures, regulatory requirements and human resources practices. Amazing interactions with Executive Management have provided me with sound advice as well as praise and recognition. What excites me most is the endless potential for career advancement in a dynamic, growing organization!” Jeanine Samolovitch, Graduate of Washington and Jefferson Branch Manager

20. Questions and Discussion

21. www.nationalcity.com