FOURTH AMENDMENT TO THE
PROVIDENT FINANCIAL GROUP, INC. RETIREMENT PLAN
(AMENDED AND RESTATED AS OF JANUARY 1, 2001)
THIS FOURTH AMENDMENT to the Provident Financial Group, Inc. Retirement Plan made and executed as
of this ____ day of ___________, 2004 by National City Corporation (hereinafter referred to as the
W I T N E S S E T H:
A. Pursuant to Amendment No. 3 to the Provident Financial Group, Inc. Retirement Plan, the Company has
reserved to the right to amend the Plan in Article 12 of the Plan.
B. The Company desires to amend the Plan to provide that effective January 1, 2005, Participants will no longer
be permitted to make Before-Tax Contributions to their Before-Tax Contribution Account and the Company will
no longer be permitted to make contributions to the Participant's Profit Sharing Contribution Accounts for Plan
Years beginning after December 31, 2004.
The Plan is hereby amended as follows:
1. Section 4.1(a) is amended to read:
(a) Amount of Contribution. Effective for Plan Years beginning after December 31, 2004 contributions will no
longer be permitted to be made to a Participant's Before-Tax Contribution Account. Any Participant who makes
Before-Tax Contributions in excess of the Maximum Deferred Amount for any Plan Year beginning prior to
January 1, 2005 shall receive a distribution of such excess deferral (and any income allocated to such excess
deferral) as soon as practicable following discovery of such excess amounts, but no later than April 15 following
the close of the Plan Year in which such excess deferrals were made.
2. Section 4.1(b) is amended to read:
(b) Change in Contributions. Effective for Plan Years beginning after December 31, 2004, all Participant Salary
Savings Agreements will be void; all Participant's contribution percentages will be changed to 0%; and changes to
a Participants contribution percentage will not be permitted.
3. Section 4.2 will amended to read:
Effective for Plan Years beginning after December