EXECUTIVE LONG-TERM DISABILITY PLAN
The Executive Long-Term Disability Plan ("this Plan") is adopted as of the first day of January, 2005, by
NATIONAL CITY CORPORATION ("National City").
1. (GENERAL) The purpose of this Plan is to provide Participants with partial income replacement in excess of
those benefits provided under the National City Long-Term Disability Plan in the event of their inability to work
as a result of accident, illness or other disability. It is intended that this Plan qualify as a wage continuation
arrangement within the meaning of Section 105 of the Code.
1.1 (EFFECTIVE DATE) Except as otherwise provided in this Plan, this Plan shall be effective January 1, 2005.
2. (DEFINITIONS) As used in this Plan,
Contracts mean the Individual Disability Income Policies provided to Participants by the Massachusetts Mutual
Life Insurance Company or other Insurance Company as selected by the Plan Administrator;
Disability means the occurrence of a Total Disability or Partial Disability. For purposes of this definition, a Total
Disability is the occurrence of a condition caused by Sickness of Injury, in which the Participant cannot perform
the main duties of his/her occupation and is not working at any other occupation. The Participant must be under a
doctor's care. A Partial Disability is described in the Rider portion of a contract, if such contract contains a Partial
Elimination Period means a period of 180 days of a Participant's total or partial days' absence from active work
on account of a single medical condition or conditions medically related thereto, commencing with the date of
onset of a Disability and ending on the date of determination of the period, which period is either (a) continuous
or (b) comprised of an equivalent number of Business Days occurring during a period of twelve
(12) calendar months uninterrupted by any period of thirty (30) days or more of active work pursuant to the
Participant's work schedule;