| Regulation MA Disclosure This investor presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements include, but are not limited to, statements about the benefits of the merger between National City Corporation and Provident Financial Group, Inc., including future financial and operating results, the resulting company's plans, objectives, expectations and intentions and other statements that are not historical facts. Such statements are based upon the current beliefs and expectations of National City Corporation's and Provident Financial Group, Inc.'s management and are subject to significant risks and uncertainties. Actual results may differ from those set forth in the forward-looking statements. The following factors, among others, could cause actual results to differ from those set forth in the forward-looking statements: the ability to obtain governmental approvals of the merger on the proposed terms and schedule; the failure of Provident Financial Group, Inc.'s stockholders to approve the merger; the risk that the business will not be integrated successfully; the risk that the cost of savings and any revenue synergies from the merger may not be fully realized or may take longer to realize than expected; disruption from the merger making it more difficult to maintain relationships with clients, employees or suppliers; increased competition and its effect on pricing, spending, third-party relationships and revenues; the risk of new and changing regulation in the U.S. and internationally. Additional factors that could cause National City Corporation's and Provident Financial Group, Inc.'s results to differ materially from those described in the forward-looking statements can be found in the 2003 Annual Report on Forms 10-K of National City Corporation and the 2002 Annual Report on Form 10-K of Provident Financial Group, Inc., and in the Quarterly Reports on Form 10-Q of National City Corporation and Provident Financial Group, Inc., filed with the Securities and Exchange Commission and available at the Securities and Exchange Commission's internet site (http://www.sec.gov) and the companies' respective internet sites at www.NationalCity.com and www.providentbank.com. Stockholders are urged to read the proxy statement/prospectus regarding the proposed transaction when it becomes available, because it will contain important information. Stockholders will be able to obtain a free copy of the proxy statement/prospectus, as well as other filings containing information about National City Corporation and Provident Financial Group, Inc., without charge, at the Securities and Exchange Commission's internet site (http://www.sec.gov) and the companies' respective internet sites at www.NationalCity.com and www.providentbank.com. Copies of the proxy statement/prospectus and the filings with the Securities and Exchange Commission that will be incorporated by reference in the proxy statement/prospectus can also be obtained, without charge, by directing a request to National City Corporation at 1900 East 9th Street, Locator 2101, Cleveland, OH 44114 Attention: Investor Relations, 1-800-622-4204, or to Provident Financial Group, Inc. at 1 East 4th Street, Mail Stop 843A, Cincinnati, OH 45202, Attention: Patricia Forsythe, 513-345-7165. The respective directors and executive officers of National City Corporation and Provident Financial Group, Inc. and other persons may be deemed to be participants in the solicitations of proxies in respect of the proposed acquisition. Information regarding National City Corporation's directors and executive officers is available in its proxy statement filed with the Securities and Exchange Commission by National City Corporation on March 13, 2003, and information regarding Provident Financial Group Inc.'s directors and executive officers is available in its proxy statement filed with the Securities and Exchange Commission by Provident Financial Group, Inc. on April 30, 2003. Other information regarding the participants in the proxy solicitation and a description of their direct and indirect interests, by security holdings or otherwise, will be contained in the joint proxy statement/prospectus and other relevant materials to be filed with the Securities and Exchange Commission when they become available. |
