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Exhibit 7.2
MONTHLY CERTIFICATEHOLDERS' STATEMENT
NATIONAL CITY CREDIT CARD MASTER TRUST
SERIES 2000-1
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Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1995 as amended and restated as
of July 1, 2000 (the "Pooling and Servicing Agreement"), among National City Bank, as Seller and
Servicer (in its capacity as Servicer, "National City") and The Bank of New York, as trustee (the
"Trustee"), as supplemented by the Series 2000-1 Supplement, dated as of August 24, 2000, National
City as Servicer is required to prepare certain information each month regarding current
distributions to Certificateholders and the performance of the National City Credit Card Master Trust
(the "Trust") during the previous month. The information which is required to be prepared with
respect to the Distribution Date of November 15, 2000 and with respect to the performance of the
Trust during the month of October, 2000 is set forth below. Certain of the information is presented
on the basis of an original principal amount of $1,000 per Series 2000-1 Certificate (a
"Certificate"). Certain other information is presented based on the aggregate amounts for the Trust
as a whole. Capitalized terms used in this Monthly Statement have their respective meanings set forth
in the Pooling and Servicing Agreement and the Series 2000-1 supplement.
A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000
Original Certificate Principal Amount)
1 The amount of the current monthly distribution in respect of
Class A Monthly Principal $ 0.00
--------------------
2 The amount of the current monthly distribution in respect of
Class B Monthly Principal $ 0.00
--------------------
3 The amount of the current monthly distribution in respect of
Collateral Monthly Principal $ 0.00
--------------------
4 The amount of the current monthly distribution in respect of
Class A Monthly Interest $ 5.641667
--------------------
5 The amount of the current monthly distribution in respect of
Class A Additional Interest $ 0.00
--------------------
6 The amount of the current monthly distribution in respect of
Class B Monthly Interest $ 5.850000
--------------------
7 The amount of the current monthly distribution in respect of
Class B Additional Interest $ 0.00
--------------------
8 The amount of the current monthly distribution in respect of
Collateral Minimum Monthly Interest $ 6.250000
--------------------
9 The amount of the current monthly distribution in respect of
any accrued and unpaid Collateral Minimum Monthly Interest $ 0.00
--------------------
B. Information Regarding the Performance of the Trust
1 Collection of Principal Receivables
(a) Available Principal Collections $ $114,586,402.21
--------------------
(b) Class A Investor Default Amount treated as Available Principal Collection $ $1,725,131.08
--------------------
(c) Class B Investor Default Amount treated as Available Principal Collection $ $118,294.70
--------------------
(d) Excess Spread treated as Available Principal Collection $ $128,152.59
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2 Principal Receivables in the Trust
(a) The aggregate amount of Principal Receivables in the Trust
as of the end of the day on the last day of the related Monthly Period $ 1,901,097,947.09
--------------------
(b) The amount of Principal Receivables in the Trust represented by the
the Invested Amount of Series 2000-1 as of the end of the day on the last
day of the related Monthly Period $ 589,809,934.79
--------------------
(c) The amount of Principal Receivables in the Trust represented by the
the Adjusted Invested Amount of Series 2000-1 as of the end of the day
on the last day of the related Monthly Period $ 589,809,934.79
--------------------
(d) The amount of Principal Receivables in the Trust represented by the
the Class A Invested Amount as of the end of the day on the last
day of the related Monthly Period $ 516,083,692.94
--------------------
(e) The amount of Principal Receivables in the Trust represented by the
the Class A Adjusted Invested Amount as of the end of the day on the last
day of the related Monthly Period $ 516,083,692.94
--------------------
(f) The amount of Principal Receivables in the Trust represented by the
the Class B Invested Amount as of the end of the day on the last
day of the related Monthly Period $ 35,388,596.09
--------------------
(g) The amount of Principal Receivables in the Trust represented by the
the Class B Adjusted Invested Amount as of the end of the day on the last
day of the related Monthly Period $ 35,388,596.09
--------------------
(h) The amount of Principal Receivables in the Trust represented by the
the Collateral Invested Amount as of the end of the day on the last
day of the related Monthly Period $ 38,337,645.76
--------------------
(i) The amount of Principal Receivables in the Trust represented by the
the Collateral Adjusted Invested Amount as of the end of the day on the last
day of the related Monthly Period $ 38,337,645.76
--------------------
(j) The Floating Allocation Percentage with respect to the
related Monthly Period 31.02%
--------------------
(k) The Class A Floating Percentage with respect to the
related Monthly Period 87.50%
--------------------
(l) The Class B Floating Percentage with respect to the
related Monthly Period 6.00%
--------------------
(m) The Collateral Floating Percentage with respect to the
related Monthly Period 6.50%
--------------------
(n) The Principal Allocation Percentage with respect to the
related Monthly Period 31.02%
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(o) The Class A Principal Percentage with respect to the
related Monthly Period 87.50%
--------------------
(p) The Class B Principal Percentage with respect to the
related Monthly Period 6.00%
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(q) The Collateral Principal Percentage with respect to the
related Monthly Period 6.50%
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3 Delinquent Balances
The aggregate amount of outstanding balances in the Accounts which were delinquent as of
the end of the day on the last day of the related Monthly Period:
Aggregate Percentage
Account of Total
Balance Receivables
---------------------- -----------------
(a) 30 -- 59 days: $24,285,603.29 1.28%
(b) 60 -- 89 days: $13,084,740.92 0.69%
(c) 90+ days: $7,926,875.10 0.42%
---------------------- -----------------
Total: $ 45,297,219.31 2.38%
====================== =================
4 Investor Default Amount
(a) The Investor Default Amount for the related Monthly Period $ 1,971,578.38
--------------------
(b) The Class A Investor Default Amount for the related Monthly Period $ 1,725,131.08
--------------------
(c) The Class B Investor Default Amount for the related Monthly Period $ 118,294.70
--------------------
(d) The Collateral Default Amount for the related Monthly Period $ 128,152.59
--------------------
5 Investor Charge-Offs
(a) The aggregate amount of Class A Investor Charge-Offs
for the related Monthly Period $ 0.00
--------------------
(b) The aggregate amount of Class A Investor Charge-Offs set forth
in 5(a) above per $1,000 of original certificate principal amount $ 0.00
--------------------
(c) The aggregate amount of Class B Investor Charge-Offs
for the related Monthly Period $ 0.00
--------------------
(d) The aggregate amount of Class B Investor Charge-Offs
set forth in 5(c) above per $1,000 or original certificate principal amount $ 0.00
--------------------
(e) The aggregate amount of Collateral Charge-Offs
for the related Monthly Period $ 0.00
--------------------
(f) The aggregate amount of Collateral Charge-Offs set forth in 5(e) above per
$1,000 of original certificate principal amount $ 0.00
--------------------
(g) The aggregate amount of Class A Investor Charge-Offs reimbursed on
the Transfer Date immediately preceding this Distribution Date $ 0.00
--------------------
(h) The aggregate amount of Class A Investor Charge-Offs set forth in 5(g) above per
$1,000 original certificate principal amount reimbursed on the Transfer Date
immediately preceding this Distribution Date $ 0.00
--------------------
(i) The aggregate amount of Class B Investor Charge-Offs reimbursed on the
Transfer Date immediately preceding this Distribution Date $ 0.00
--------------------
(j) The aggregate amount of Class B Investor Charge-Offs set forth in 5(i) above per
$1,000 original certificate principal amount reimbursed on the Transfer Date
immediately preceding this Distribution Date $ 0.00
--------------------
(k) The aggregate amount of Collateral Charge-Offs reimbursed on the Transfer Date
immediately preceding this Distribution Date $ 0.00
--------------------
(l) The aggregate amount of Collateral Charge-Offs set forth in 5(k) above per $1,000
original certificate principal amount reimbursed on the Transfer Date immediately
preceding Distribution Date $ 0.00
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6 Investor Servicing Fee
(a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer
for the related Monthly Period $ 437,500.00
--------------------
(b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer
for the related Monthly Period $ 30,000.00
--------------------
(c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer
for the related Monthly Period $ 32,500.00
--------------------
(d) The amount of Servicer Interchange payable by the Trust to the Servicer
for the related Monthly Period $ 500,000.00
--------------------
7 Reallocations
(a) The amount of Reallocated Collateral Principal Collections
with respect to this Distribution Date $ 0.00
--------------------
(b) The amount of Reallocated Class B Principal Collections
with respect to this Distribution Date $ 0.00
--------------------
(c) The Collateral Invested Amount as of the close of business
on this Distribution Date $ 39,000,000.00
--------------------
(d) The Collateral Adjusted Invested Amount as of the close of
business on this Distribution Date $ 39,000,000.00
--------------------
(e) The Class B Invested Amount as of the close of business
on this Distribution Date $ 36,000,000.00
--------------------
(f) The Class B Adjusted Invested Amount as of the close of business
on this Distribution Date $ 36,000,000.00
--------------------
(g) The Class A Invested Amount as of the close of business
on this Distribution Date $ 525,000,000.00
--------------------
(h) The Class A Adjusted Invested Amount as of the close of business
on this Distribution Date $ 525,000,000.00
--------------------
8 Collection of Finance Charge Receivables
(a) The aggregate amount of Collections of Finance Charge Receivables and Annual
Membership Fees processed during the related Monthly Period
which were allocated in respect of the Class A Certificates $ 8,028,438.67
--------------------
(b) The aggregate amount of Collections of Finance Charge Receivables and Annual
Membership Fees processed during the related Monthly Period
which were allocated in respect of the Class B Certificates $ 550,521.51
--------------------
(c) The aggregate amount of Collections of Finance Charge Receivables and Annual
Membership Fees processed during the related Monthly Period
which were allocated in respect of the Collateral Interest $ 596,398.30
--------------------
9 Principal Funding Account
(a) The principal amount on deposit in the Principal Funding Account
on the related Transfer Date $ 0.00
--------------------
(b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00
--------------------
(c) The Principal Funding Investment Proceeds deposited in the Finance Charge
Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00
--------------------
(d) The Principal Funding Investment Proceeds deposited in the Finance Charge
Account on the related Transfer date to be treated as Class B Available Funds $ 0.00
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10 Reserve Account
(a) The Reserve Draw Amount on the related Transfer Date $ 0.00
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(b) The amount of the Reserve Draw Amount deposited in the Collection
Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00
--------------------
(c) The amount of the Reserve Draw Account deposited in the Collection
Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00
--------------------
(d) The amount of any Reserve Account Surplus $ 0.00
--------------------
11 Available Funds
(a) The amount of Class A Available Funds on deposit in the Collection
Account on the related Transfer Date $ 2,961,875.00
--------------------
(b) The amount of Class B Available Funds on deposit in the Collection
Account on the related Transfer Date $ 210,600.00
--------------------
(c) The amount of Collateral Available Funds on deposit in the Collection
Account on the related Transfer Date $ 243,750.00
--------------------
(d) Available Principal Collections on deposit in the Collection Account
on the related Transfer Date $ 0.00
--------------------
12 Excess Spread and Excess Finance Charge Collections
(a) Excess Finance Charge Collection $ 0.00
--------------------
(b) Class A Available Funds
minus Class A Monthly Interest
minus Class A Servicing Fee
minus Class A Defaulted Amount $ 2,903,932.59
--------------------
Class B Available Funds
minus Class B Monthly Interest
minus Class B Servicing Fee
minus Class B Defaulted Amount $ 191,626.81
--------------------
Collateral Available Funds $ 596,398.30
--------------------
(c) Excess Spread applied to the Class A Required Amount
for the Monthly Period $ 0.00
--------------------
(d) Excess Spread applied to the Class A Investor Charge-Offs for the
related Monthly Period $ 0.00
--------------------
(e) Excess Spread applied to the Class B Required
Amount for the related Monthly Period $ 0.00
--------------------
(f) Excess Spread applied to the Class B Default Amount for the related Monthly Period $ 0.00
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(g) Excess Spread applied to the Class B Invested Amount for the related Monthly Period $ 0.00
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(h) Excess Spread applied to the Collateral Minimum Monthly Interest for the related
Monthly Period and for any past due Collateral Minimum Monthly Interest $ 243,750.00
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(i) Excess Spread applied to the Collateral Servicing Fee due to the Servicer
for the related Monthly Period or for any past due Collateral Servicing Fees $ 32,500.00
--------------------
(j) Excess Spread applied to the Collateral Default Amount as Available Principal $ 128,152.59
Collections for the related Monthly Period --------------------
(k) Excess Spread applied to the Collateral Invested Amount for the related
Monthly Period $ 0.00
--------------------
(l) Excess Spread applied to the Reserve Account for the related Monthly Period $ 0.00
--------------------
13 Finance Charge Shortfall
(a) Finance Charge Shortfall for Series 2000-1 $ 0.00
--------------------
(b) Total Finance Charge Shortfall for all series in Group One $ 0.00
--------------------
14 Base Rate
(a) The Base Rate for the related Monthly Period 7.83%
--------------------
15 Portfolio Yield
(a) The Portfolio Yield for the related Monthly Period 14.18%
--------------------
(b) The Portfolio Adjusted Yield for the related Monthly Period N/A
--------------------
IN WITNESS WHEREOF, the undersigned has duly executed this Certificate this 10th day of November, 2000.
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NATIONAL CITY BANK,
as Seller and Servicer
By: /s/ Thomas A. Chandler
------------------------------------
Name: Thomas A. Chandler
Title: Vice President - Credit Card Finance