nationalcity.com

•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

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

Who is National City?

•Strong history of stability and financial performance

•We ranked 60th in “Great Places to work” according

to Money Magazine’s Corporate America’s best

benefit report

•33,000+ employees

•Customer Champion Organization

NCC Geographic Locations

Chicago

Indianapolis

Detroit

Pittsburgh

Louisville Columbus

Cleveland

NCC and Newly Acquired Allegiant Branches

Core Deposit Growth

$0

$10,000

$20,000

$30,000

$40,000

$50,000

$60,000

$70,000

1999 2000 2001 2002 2003

Escrow BalancesConsumer TimeCore Deposits, Excluding Consumer Time and Escrow Balances

($ in millions)

National City Business Mix

WholesaleBanking13.0%

AssetManagement

3.9%

NationalProcessing

2.0%

Consumer and Small Business

Financial Services

25.9%

National Consumer

Finance55.2%

2003 Net Income

National City Mortgage Co.

38.7%

Online Banking / Bill Payment

0

100,000

200,000

300,000

400,000

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50,000

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350,000

400,000

Online Banking Enrollment (left axis)Online Bill Payment Enrollment (right axis)

Online bill payment households are 10x more likely to retain their relationship with National City

compared to non-online households.

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 Scorecard4Q03 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

•Attract great talent to the corporation

•Develop them faster and better

•Keep them

NCC: Leadership Development Vision

•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

•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

Branch Sales and Management

Assignment Duration

Customer Service Rep/ 4 months Operations

Sales Associate 9 - 12 months

Advanced Sales/ 10 - 12 monthsManagerial

Classroom Training As Scheduled

Management or Sales Position in Branch network

Skill Set Learned and Applied:

Sales Skills

Customer Service Skills

Leadership Skills

Management Skills

Time Management Skills

Branch Sales and Management

•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?

Why National City?

•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

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

First Hand Experience

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 JeffersonBranch Manager

Questions and Discussion

www.nationalcity.com