National City Bank Opportunities | Unlimited

National City Bank

Opportunities | Unlimited

■ Carrie Valek–District Sales Executive, Vice President–Retail Development Program (RDP) Graduate

■ David White–Current RDP Associate

Outline

■ National City Corporation Overview

■ Become a Part of National City

Who is National City?

■ $141 Billion in assets

■ 8th Largest U.S. Bank

■ Ranked 2nd among Top Performing Banks by Business Week

■ 37,000 employees

■ 1,200+ branches

ClevelandCleveland

ColumbusColumbus

LouisvilleLouisville

IndianapolisIndianapolis

DetroitDetroitChicagoChicago

PittsburghPittsburgh

PhiladelphiaPhiladelphia

TorontoToronto

St. LouisSt. Louis

Headquarters in ClevelandLocations throughout the Midwest, Canada and more…

National City is a national organization with operations in 42 states.

FF = First Franklin

MC = Mortgage Company

RB = Retail Branches

FF – 1MC - 7

FF – 1MC - 6

FF – 8MC - 31

FF – 1MC - 6

FF – 1MC - 9

FF – 3MC - 13

FF – 1MC - 3 FF – 1

MC - 1

FF – 1MC - 1

FF – 1MC - 5RB- 39

FF – 1MC - 3

FF – 1MC - 1

FF – 1MC - 26RB- 100

FF – 1MC - 7RB- 169

FF – 3MC – 29RB - 418

FF – 1MC - 19RB - 268

FF – 1MC- 3

MC - 1

FF – 1MC - 10

MC- 1

FF – 1MC - 6

FF – 1MC - 2

FF – 2MC- 9

MC - 1

FF- 1MC- 2

MC - 3

FF - 1MC - 24

MC - 4

MC - 1

MC - 7RB - 108

MC - 3

MC - 8

MC - 1

MC - 1

MC - 2

MC - 16RB - 208

MC - 2

MC- 2

MC- 20

MC - 1

MC - 6

FF- 1MC - 5

MC - 1

NCC Branch Network

NCC Footprint

It derives 48% of its net income from outside the 7 state branch network.

Who is National City?One of the Largest U.S. Banks

1 Citigroup Inc.2 Bank of America Corporation3 J.P. Morgan Chase & Co.4 Wachovia Corporation5 Wells Fargo & Company6 U.S. Bancorp7 Suntrust Banks, Inc.

8 National City Corporation9 BB&T Corporation

10 State Street Corporation11 Fifth Third Bancorp12 Bank of New York Company, Inc., The13 Keycorp14 PNC Financial Services Group, Inc., The15 Regions Financial Corporation16 North Fork Bancorporation, Inc.17 Comerica Incorporated18 M&T Bank Corporation19 Bancwest Corporation20 Unionbancal Corporation21 Amsouth Bancorporation22 Northern Trust Corporation23 Harris Financial Corp.24 Marshall & Ilsley Corporation25 First Horizon National Corporation

Source: Ranked by Assets, Federal Reserve 6/30/05.

■ Stock price appreciation: 80% over the last 5 years (during this period, S&P 500 down 20%)

■ 3rd “Mega Bank” on Fortune magazine’s Most Admired Companies list

■ 2nd only to JPMorgan Chase in market share in 7 state retail footprint

■ Top Small Business Administration lender in our seven-state market

$140.8

$91.0

$50.5

$27.0

$0

$40

$80

$120

$160

1990 1995 2000 2005

Bil

lio

ns

2005 at 6/30/05

Who is National City:A Financial Services Company that has Significantly Grown in Asset Size

■11.7% annualized growth in assets over the last ten years

■Generates over $1 billion of excess capital each year

■10% annualized growth in EPS over the last ten years excluding 1-time gains in 2004

■8.5% annualized growth in dividends over the last ten years

■8.8% CAGR in the stock price and a 13.1% total return for the 10 years ending 6/30/05

CreditCard

CreditCard

InvestmentBanking

InvestmentBanking

MortgageMortgage

DealerFinance

DealerFinance

Capital Markets

Capital Markets

InvestmentReal Estate

InvestmentReal Estate

Retail BankingRetail Banking

WealthManagement

WealthManagement

Wholesale Banking

Wholesale Banking

Small BusinessLending

Small BusinessLending

Who is National City:A Financial Services Company that Provides a Full Suite of Products and Services

Consumer Banking

Consumer Banking

Institutional Asset

Management

1Q-2005 net income, excludes parent

Wholesale Bank30%

Consumer & Small Business

27%

National Consumer Finance

25%

National City Mortgage

14%

Asset Management4%

Who is National City:A Diversified Financial Services Company

Who is National City:Ultimately It Is Our People

Talented and Engaged People

Disciplined Execution

Transparency of our Results

Best In Class

The Right Strategies

+

=

+

+

“Drivers of Future Performance” presented to shareholders on May 26, 2005

Who is National City:A Company of People Who Come From Great Places

■ Carnegie Mellon■ Case Western Reserve■ University of Chicago■ Dartmouth/Tuck School of Business■ Harvard■ Indiana University■ University of Michigan■ Purdue■ Ohio State■ University of Rochester■ William & Mary■ Wharton School of Business■ Yale

■ Bank of America■ Dell Computer■ Ernst and Young■ General Electric■ IBM■ JP Morgan Chase■ KPMG■ McKinsey■ Morgan Stanley■ PepsiCo■ PricewaterhouseCoopers■ Toronto Dominion■ UBS

Top Universities Well-Known Employers

Graduates and alumni from top schools represent: Recent executives hires (partial list) bring experience from:

■ National City Corporation Overview

■ Become a Part of National City

Career Opportunities

■ Management Training Programs–Commercial Banking–Corporate Audit–Corporate Operations, Loan Services, and Information

Services (COIS)–Retail Development Program (RDP)

What is the RDP?

■ It’s a 24-30 month comprehensive training program designed to prepare you for a professional sales or management role within the branch network

■ On-the-job learning, classroom training and an extensive peer network will help you develop key competencies for long-term career success

The Program – 4 components

ManagementTraining

AdvancedSales

Sales and Service

Customer Service

RDP

The Requirements

■ 3.0 Cumulative GPA or higher■ Preferred degrees include:

–Marketing–Management/General Business–Finance/Economics

■ Other degrees are accepted with previous banking or retail experience

Defining Strengths

■ Aptitude to sell financial solutions to customers and establish business relationships

■ Experience leading teams■ Strong communication skills■ Analytical thinking and problem solving■ Desire to win■ Entrepreneurial spirit

We offer

■ Strong history and financial performance■ Commitment to employee development■ Competitive salary plus incentive■ Great benefits■ Peer network

Elements of success

■ Be a team player■ Take initiative■ Build relationships■ Take responsibility for your actions■ Be aware of your skills, attitude, purpose and

goals

www.nationalcity.com

National City Bank Opportunities | Unlimited

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