National City Home Equity, Cleveland, has announced a new organizational structure that creates two U.S. divisional sales territories: the Eastern Division, headed by Mike Kelly, and the Western Division, headed by Terry McChrystal.Mr. Kelly joined National City as the credit and business risk manager in 2000, the company said. He was previously head of operational risk management at Chase Manhattan Mortgage and held management post in Chase's consumer products division. National City said Mr. McChrystal joined the company in 2002 as retail sales manager and later managed sales support for National City Mortgage. He previously worked with Record Data Inc., TRW Real Estate Loan Services, Strategic Mortgage Services, and Mortgage Information Services. National City can be found online at http://www.nationalcity.com.

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