**UNITED STATESSECURITIES AND EXCHANGE COMMISSIONWashington, D. C. 20549**

**FORM 10-K**

**(Mark One)**

**[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

**For the fiscal year ended December 31, 2003**

**or**

**[  ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934**

**For the transition period from ________ to _________**

**Commission File No. 333-73728-01**

**Fleet Credit Card Funding Trust**

***on behalf of***

***Fleet Credit Card Master Trust II***

***(formerly ADVANTA Credit Card Master Trust II)***

***(Exact name of registrant as specified in its charter)***

 
| Delaware                                                       | 23-3101310                           |
|----------------------------------------------------------------|--------------------------------------|
| (State or other jurisdiction of incorporation or organization) | (I.R.S. Employer Identification No.) |

 

300 North Wakefield Drive, Newark, Delaware, 19702*(Address of principal executive offices) (Zip Code)*

 

Registrant's telephone number, including area code (302) 266-5004.

 

 

Securities registered pursuant to Section 12(b) of the Act:
| Title of each classNone | Name of each exchange on which registeredN/A |
|-------------------------|----------------------------------------------|

Securities registered pursuant to Section 12(g) of the Act:
| Class A Floating Rate Asset Backed Certificates, Series 1996-BClass B Floating Rate Asset Backed Certificates, Series 1996-B(Title of class) |
|----------------------------------------------------------------------------------------------------------------------------------------------|

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during thepreceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes [X] No [ ]

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best ofregistrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K [ ].    Not applicable.

Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of the Act.) Yes[ ] No [X]

State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity waslast sold, or the average bid and asked prices of such common equity, as of the last business day of the registrant’s most recently completed second fiscal quarter: None

Indicate the number of shares outstanding of the registrant's classes of common stock, as of the latest practicable date: None.

  

Documents Incorporated By Reference:

List hereunder the following documents if incorporated by reference and the Part of the Form 10-K (e.g., Part I, Part II, etc.) into which the document isincorporated: (1) Any annual report to security holders; (2) Any proxy or information statement; and (3) Any prospectus filed pursuant to Rule 424(b) or (c) under the Securities Act of 1933. The listed documents should be clearly described for identification purposes(e.g. annual report to security holders for fiscal year ended December 24, 1980).

 

 No documents incorporated by reference.

  

 

The Fleet Credit Card Master Trust II (the "Trust") was formed pursuant to a Pooling and Servicing Agreement dated as of December 1, 1993.  That Pooling and Servicing Agreement has been amended numerous times and was most recently amended and restated as of January 1, 2002.  The Pooling and Servicing Agreement as so amended and restated is among Fleet Credit Card Funding Trust, as transferor (the "Transferor"), Fleet Bank (RI), National Association, as servicer, and Deutsche Bank Trust Company Americas, as trustee (the "Trustee").

The Trust is the Issuer of the following certificates which were outstanding during some or all of 2003:  Class A1 Fixed Rate Asset Backed Certificates, Series 1996-A ("Series 96-A Class A1"), Class A2 Floating Rate Asset Backed Certificates, Series 1996-A ("Series 96-A Class A2"), Class B Floating Rate Asset Backed Certificates, Series 1996-A ("Series 96-A Class B"), Class A Floating Rate Asset Backed Certificates, Series 1996-B ("Series 96-B Class A"), Class B Floating Rate Asset Backed Certificates, Series 1996-B ("Series 96-B Class B"),  Class B Floating Rate Asset Backed Certificates, Series 1996-D ("Series 96-D Class B"), Class A Floating Rate Asset Backed Certificates, Series 1999-B ("Series 99-B Class A"), Class B Floating Rate Asset Backed Certificates, Series 1999-B ("Series 99-B Class B"), Class A Fixed Rate Asset Backed Certificates, Series 1999-C ("Series 99-C Class A"), Class B Fixed Rate Asset Backed Certificates, Series 1999-C ("Series 99-C Class B"), Class A Floating Rate Asset Backed Certificates, Series 1999-D ("Series 99-D Class A"), Class B Fixed Rate Asset Backed Certificates, Series 1999-D ("Series 99-D Class B"), Class A Floating Rate Asset Backed Certificates, Series 2000-A ("Series 00-A Class A"), Class B Floating Rate Asset Backed Certificates, Series 2000-A ("Series 00-A Class B"), Class A Floating Rate Asset Backed Certificates, Series 2000-B ("Series 00-B Class A"), Class B Floating Rate Asset Backed Certificates, Series 2000-B ("Series 00-B Class B"), Class A Fixed Rate Asset Backed Certificates, Series 2000-C ("Series 00-C Class A"), Class B Floating Rate Asset Backed Certificates, Series 2000-C ("Series 00-C Class B"), Class A Floating Rate Asset Backed Certificates, Series 2000-D ("Series 00-D Class A"), Class B Floating Rate Asset Backed Certificates, Series 2000-D ("Series 00-D Class B"), Class A Floating Rate Asset Backed Certificates, Series 2001-A ("Series 01-A Class A"), Class A Fixed Rate Asset Backed Certificates, Series 2001-B ("Series 01-B Class A"), Class B Fixed Rate Asset Backed Certificates, Series 2001-B ("Series 01-B Class B"), Class A Fixed Rate Asset Backed Certificates, Series 2001-C ("Series 01-C Class A"), Class B Fixed Rate Asset Backed Certificates, Series 2001-C ("Series 01-C Class B"), Class A Floating Rate Asset Backed Certificates, Series 2002-A ("Series 02-A Class A"), Class B Floating Rate Asset Backed Certificates, Series 2002-A ("Series 02-A Class B"), Class A Floating Rate Asset Backed Certificates, Series 2002-B ("Series 02-B Class A"), Class B Floating Rate Asset Backed Certificates, Series 2002-B ("Series 02-B Class B"), Class A Fixed Rate Asset Backed Certificates, Series 2002-C ("Series 02-C Class A"), Class B Floating Rate Asset Backed Certificates, Series 2002-C ("Series 02-C Class B"), Class A Fixed Rate Asset Backed Certificates, Series 2003-A ("Series 03-A Class A"), Class B Floating Rate Asset Backed Certificates, Series 2003-A ("Series 03-A Class B").

Certain terms used but not defined in this Form 10-K Annual Report have the meanings defined in the Pooling and Servicing Agreement dated as of December 1, 1993, as amended and restated as of January 1, 2002 and filed as Exhibit 4.3 to the Registrant's Registration Statement on Form S-3 (No. 333-73728-01), as amended by Amendment Number 1 to the Amended and Restated Pooling and Servicing Agreement, dated as of April 1, 2002 and filed as Exhibit 4.2 to the Form 8-K filed on May 21, 2002 by Fleet Credit Card Funding Trust.

  

  

 **PART I**

***Item 1. Business***

Not applicable.

 

***Item 2. Properties***

Information concerning the Trust is set forth in the Current Reports on Form 8-K dated February 18, 2003 through January 15, 2004, as filed by the Registrant.

As of December 31, 2003, approximately 1.28% of the accounts and 4.04% of the Principal Receivables in the Trust were 30 days or more delinquent.  Of such amount, Accounts designated to the Trust having a principal balance of $131,255,834, or approximately 1.17% of all Principal Receivables were delinquent 30-59 days;   Accounts designated to the Trust having a principal balance of  $104,335,146, or approximately 0.93% of all Principal Receivables were delinquent 60-89 days; and Accounts designated to the Trust having a principal balance of  $217,122,297, or approximately 1.94% of all Principal Receivables were delinquent 90 days or more.

The aggregate Investor Default Amount for the year ended December 31, 2003 was $716,256,521.   There were no Investor Charge-offs for the year ended December 31, 2003.

Set forth below is certain information with respect to the outstanding series of Certificates.  Supplemental Trust Information is presented in Exhibit 99.1 to this Annual Report.

 

 
| **Series/Class**    | **Monthly Period Ended** | **Receivables Written Off as Uncollectible with Respect to the Participation Interests ofCertificateholders** | **% of Receivables Outstanding on an Annualized Basis** |
|---------------------|--------------------------|---------------------------------------------------------------------------------------------------------------|---------------------------------------------------------|
|                |                     |                                                                                                          |                                                    |
| Series 96-B Class A | December 31, 2003        | $4,175,358.45                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $3,910,261.68                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $3,961,759.95                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 96-B Class B | December 31, 2003        | $265,520.96                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $248,599.60                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $251,907.34                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 99-B Class A | December 31, 2003        | $2,670,955.37                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $2,501,370.47                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $2,534,282.75                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 99-B Class B | December 31, 2003        | $241,363.08                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $226,018.36                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $229,007.29                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 99-C Class A | December 31, 2003        | $1,626,702.34                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $1,523,444.71                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $1,543,479.66                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 99-C Class B | December 31, 2003        | $130,351.88                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $122,034.81                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $123,661.98                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 99-D Class A | December 31, 2003        | $3,147,210.68                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $2,947,367.21                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $2,986,183.06                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 99-D Class B | December 31, 2003        | $289,606.94                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $271,249.48                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $274,793.05                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 00-C Class A | December 31, 2003        | $3,409,496.21                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $3,192,946.82                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $3,235,026.09                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 00-C Class B | December 31, 2003        | $313,764.82                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $293,830.73                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $297,719.26                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 00-D Class A | December 31, 2003        | $4,720,851.96                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $4,421,050.81                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $4,479,281.75                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 00-D Class B | December 31, 2003        | $434,410.41                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $406,874.22                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $412,202.66                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 01-A Class A | December 31, 2003        | $5,044,251.17                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $4,723,941.49                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $4,786,139.10                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 01-B Class A | December 31, 2003        | $4,402,269.95                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $4,122,690.11                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $4,177,019.61                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 01-B Class B | December 31, 2003        | $308,947.62                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $289,300.75                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $293,109.72                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 01-C Class A | December 31, 2003        | $4,402,269.95                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $4,122,690.11                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $4,177,019.61                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 01-C Class B | December 31, 2003        | $308,947.62                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $289,300.75                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $293,109.72                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 02-A Class A | December 31, 2003        | $4,247,832.09                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $3,978,005.42                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $4,030,431.42                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 02-A Class B | December 31, 2003        | $360,426.91                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $337,551.86                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $341,985.95                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 02-B Class A | December 31, 2003        | $3,982,311.13                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $3,729,405.82                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $3,778,564.58                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 02-B Class B | December 31, 2003        | $337,922.70                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $316,411.97                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $320,578.81                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 02-C Class A | December 31, 2003        | $4,103,028.62                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $3,842,380.68                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $3,893,047.98                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 02-C Class B | December 31, 2003        | $289,606.94                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $271,249.48                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $274,793.05                                                                                                   | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 03-A Class A | December 31, 2003        | $4,103,028.62                                                                                                 | 7.72%                                                   |
|                | November 30, 2003        | $3,842,380.68                                                                                                 | 7.23%                                                   |
|                | October 31, 2003         | $3,893,047.98                                                                                                 | 7.33%                                                   |
|                |                     |                                                                                                          |                                                    |
| Series 03-A Class B | December 31, 2003        | $289,606.94                                                                                                   | 7.72%                                                   |
|                | November 30, 2003        | $271,249.48                                                                                                   | 7.23%                                                   |
|                | October 31, 2003         | $274,793.05                                                                                                   | 7.33%                                                   |

 

 

 ***Item 3. Legal Proceedings***

There are no material pending legal proceedings with respect to the Trust, involving either the Trust, the Trustee, Fleet Credit Card Funding Trust or Fleet Bank (RI), National Association, other than ordinary or routinelitigation incidental to the Trustee's, Fleet Credit Card Funding Trust's or Fleet Bank (RI), National Association's duties under the Pooling and Servicing Agreement.

 

***Item 4. Submission of Matters to a Vote of Security Holders***

Fleet Credit Card Funding Trust, by a Solicitation Statement dated May 28, 2003, requested consent to an amendment of the Series 1999-C Supplement to the Pooling and Servicing Agreement.  No meeting was held with respect to the matter.  Consent to the amendment was received from holders representing 74.77% of the Investor Amount.  Holders representing  25.23% of the Investor Amount, including the holder of the Collateral Interest, abstained.

The amendment added Excess Finance Charges, to the extent allocated to Series 1999-C, to the calculation of Net Portfolio Yield when determining whether a Base Rate Payout Event has occurred.  The amendment became effective June 26, 2003 and was included as Exhibit 4.1 to Form 8-K filed by the Registrant on June 27, 2003.

 

 

**PART II**

***Item 5. Market for the Registrant's Common Equity and Related Stockholder Matters***

(a) There is no established public trading market for the Certificates.

(b) At January 30, 2004 there were twenty (20) holders of record of the Series 96-B Class A Certificates, two (2) holders of record of the Series 96-B Class BCertificates, five (5) holders of record of the Series 99-B Class A Certificates, five (5) holders of record of the Series 99-B Class B Certificates, eighteen (18) holders of record of the Series 99-C Class A Certificates, four (4) holders of record of the Series99-C Class B Certificates, eight (8) holders of record of the Series 99-D Class A Certificates, three (3) holders of record of the Series 99-D Class B Certificates, twenty-five (25) holders of record of the Series 00-C Class A Certificates, three (3) holders ofrecord of the Series 00-C Class B Certificates, twenty-four (24) holders of record of the Series 00-D Class A Certificates, three (3) holders of record of the Series 00-D Class B Certificates, twenty-one (21) holders of record of the Series 01-A Class A Certificates,forty (40) holders of record of the Series 01-B Class A Certificates, four (4) holders of record of the Series 01-B Class B Certificates, thirty-five (35) holders of record of the Series 01-C Class A Certificates, eight (8) holders of record of the Series 01-C ClassB Certificates, twenty-five (25) holders of record of the Series 02-A Class A Certificates, three (3) holders of record of the Series 02-A Class B Certificates, nine (9) holders of record of the Series 02-B Class A Certificates, four (4) holders of record of theSeries 02-B Class B Certificates, forty-six (46) holders of record of the Series 02-C Class A Certificates, three (3) holders of record of the Series 02-C Class B Certificates, thirty-four (34) holders of record of the Series 03-A Class A Certificates and three (3)holders of record of the Series 03-A Class B Certificates.

 

 

(c) Not applicable.

 

 

 ***Item 6. Selected Financial Data***

Not applicable.

 

***Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations***

Not applicable.

*** ***

***Item 7A. Quantitative and Qualitative Disclosure About Market Risk***

Not applicable***.***

*** ***

***Item 8. Financial Statements and Supplementary Data***

Not applicable.

 

***Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure***

None.

 

***Item 9A. Controls and Procedures.***

Not applicable.

 

 

 

**PART III**

***Item 10. Directors and Executive Officers of the Registrant***

Not applicable.

 

***Item 11. Executive Compensation***

Not applicable.

 

 

***Item 12. Security Ownership of Certain Beneficial Owners and Management***

Each Class of Certificates is represented by one or more certificates registered in the name of Cede & Co., the nominee of the Depository Trust Company, and aninvestor holding an interest in the Trust is not entitled to receive a certificate representing such interest except in limited circumstances set forth in the Pooling and Servicing Agreement. Accordingly, Cede & Co. is the sole holder of record of theCertificates, which it holds on behalf of brokers, dealers, banks and other direct participants in the Depository Trust Company system. Such direct participants may hold Certificates for their own accounts or for the accounts of their customers. The name and addressof Cede & Co. is Cede & Co., c/o the Depository Trust Company, 55 Water Street, New York, New York 10041. At January 30, 2004, the following direct Depository Trust Company participants positions held in Certificates representing interests in the Trust equalto or exceeding 5% of the total principal amount of the Certificates of each Series outstanding on the date. The information on positions held by the Depository Trust Company participants has been provided by the Depository Trust Company.

 

 

(a)(i) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 96-B Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                    | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|-------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                             | 20.62%                           | $133,763                                             |
| Barclays Global Investors NA/ Investors Bank and Trust980 9thStreetSacramento, CA  95814                     | 17.52%                           | $113,635                                             |
| State Street Bank and Trust Company1776 Heritage DriveGlobal Corporate Action Unit JAB 5NWNorth Quincy, MA  02171 | 14.44%                           | $93,665                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN   37211                                  | 9.67%                            | $62,715                                              |
| The Bank of New York /Soc Gen BankOne Wall StreetNew York, NY 10286                                               | 6.78%                            | $44,000                                              |
| Mellon Trust of New England, NA525 William Penn PlacePittsburgh, PA  15259                                        | 6.34%                            | $41,100                                              |
| Merrill Lynch, Pierce Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ  08854                            | 6.17%                            | $40,000                                              |
| The Northern Trust Company801 South Canal C-INChicago, IL  60607                                                  | 5.24%                            | $34,000                                              |

 

 

(a)(ii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 96-B Class B Certificates is indicated below:
| **Name and Address of Holder**                             | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| The Bank of New YorkOne Wall StreetNew York, NY 10286      | 80.61%                           | $33,250                                              |
| Bank of America, NA411 N. Akard 5th FloorDallas, TX  75201 | 19.39%                           | $8,000                                               |

 

 

(a)(iii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 99-B Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 44.27%                           | $183,700                                             |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 43.94%                           | $182,350                                             |
| Merrill Lynch, Pierce Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ  08854                           | 6.67%                            | $27,700                                              |

 

 

(a)(iv) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 99-B Class B Certificates is indicated below:
| **Name and Address of Holder**                                                           | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| Citibank, NA3800 Citibank Center B3-15Tampa, FL 33610                                    | 32.25%                           | $12,096                                              |
| Mellon Trust of New England, NA525 William Penn PlacePittsburgh, PA  15259               | 26.67%                           | $10,000                                              |
| Pershing, LLC / International Services DivisionOne Pershing PlazaJersey City, NJ   07399 | 26.67%                           | $10,000                                              |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX   75254  | 14.41%                           | $5,404                                               |

 

 

(a)(v) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 99-C Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| PNC Bank, NA8800 Tinicum BoulevardMS F6-F266-02-2Philadelphia, PA  19153                                         | 19.78%                           | $50,000                                              |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 19.58%                           | $49,490                                              |
| The Fifth Third Bank38 Fountain Square PlazaCincinnati, OH 45263                                                 | 17.57%                           | $44,398                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN  37211                                  | 9.89%                            | $25,000                                              |
| The Bank of New YorkOne Wall StreetNew York, NY 10286                                                            | 7.94%                            | $20,070                                              |
| DBTC Americas/Suntrust Portfolio14 Wall StreetNew York, NY 10005                                                 | 7.91%                            | $20,000                                              |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage Dr.North Quincy, MA   02171 | 5.23%                            | $13,211                                              |

 

 

(a)(vi) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 99-C Class B Certificates is indicated below:
| **Name and Address of Holder**                                                                | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|-----------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| The Bank of New YorkOne Wall StreetNew York, NY 10286                                         | 49.38%                           | $10,000                                              |
| U.S. Bank NAATTN: Securities Control1555 North Rivercenter DriveSuite 0300Milwaukee, WI 53212 | 20.99%                           | $4,250                                               |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254         | 14.81%                           | $3,000                                               |
| Wachovia Bank NA - Philadelphia Main530 Walnut Street, 1st FloorPhiladelphia, PA 19101        | 14.81%                           | $3,000                                               |

 

 

(a)(vii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 99-D Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                 | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|----------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage Dr.North Quincy, MA 02171 | 60.88%                           | $297,715                                             |
| The Northern Trust Company801 South Canal C-INChicago, IL   60607                                              | 21.47%                           | $105,000                                             |
| Merrill Lynch, Pierce, Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ 08854                         | 7.16%                            | $35,000                                              |
| The Bank of New YorkOne Wall StreetNew York, NY 10286                                                          | 6.85%                            | $33,500                                              |

 

 

(a)(viii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 99-D Class B Certificates is indicated below:
| **Name and Address of Holder**                                                        | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|---------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| The Bank of New YorkOne Wall StreetNew York, NY 10286                                 | 55.56%                           | $25,000                                              |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254 | 22.22%                           | $10,000                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN 37211        | 22.22%                           | $10,000                                              |

 

 

 (a)(ix) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 00-C Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                    | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|-------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| Mellon Trust of New England, NA525 William Penn Place Suite 3418Pittsburgh, PA 15259                              | 30.45%                           | $161,300                                             |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                             | 18.11%                           | $95,942                                              |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA  02171 | 15.66%                           | $82,942                                              |
| The Bank of New YorkOne Wall StreetNew York, NY 10286                                                             | 10.13%                           | $53,681                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN 37211                                    | 7.46%                            | $39,500                                              |

 

 

(a)(x) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 00-C Class B Certificates is indicated below:
| **Name and Address of Holder**                                                        | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|---------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254 | 57.44%                           | $28,000                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN 37211        | 22.05%                           | $10,750                                              |
| Pershing, LLC/International Services DivisionOne Pershing PlazaJersey City, NJ 07399  | 20.51%                           | $10,000                                              |

 

 

(a)(xi) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 00-D Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 38.80%                           | $284,600                                             |
| UBS AG677 Washington BoulevardStamford, CT 06901                                                                 | 18.44%                           | $135,250                                             |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 15.90%                           | $116,650                                             |
| The Bank of New YorkOne Wall StreetNew York, NY 10286                                                            | 12.32%                           | $90,376                                              |
| Brown Brothers Harriman & Co.63 Wall StreetNew York, NY 10005                                                    | 7.09%                            | $52,030                                              |

 

 

(a)(xii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 00-D Class B Certificates is indicated below:
| **Name and Address of Holder**                                                        | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|---------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254 | 74.81%                           | $50,500                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN 37211        | 14.81%                           | $10,000                                              |
| Merrill Lynch, Pierce Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ 08854 | 10.37%                           | $7,000                                               |

 

 

(a)(xiii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 01-AClass A Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 46.47%                           | $364,214                                             |
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                                           | 16.20%                           | $127,000                                             |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 10.94%                           | $85,757                                              |
| Merrill Lynch, Pierce Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ 08854                            | 9.57%                            | $75,000                                              |
| Mellon Trust of New England, NA525 William Penn Place, Suite 3418Pittsburgh, PA 15259                            | 5.72%                            | $44,841                                              |

 

 

(a)(xiv) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 01-B Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| Mellon Trust of New England, NA525 William Penn Place, Suite 3418Pittsburgh, PA 15259                            | 33.62%                           | $229,980                                             |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 18.03%                           | $123,356                                             |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 12.94%                           | $88,495                                              |
| The Northern Trust Company801 South Canal C-INChicago, IL 60607                                                  | 5.16%                            | $35,275                                              |
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                                           | 5.11%                            | $34,925                                              |

 

 

(a)(xv) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 01-B Class B Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 39.58%                           | $19,000                                              |
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                                           | 20.83%                           | $10,000                                              |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 20.83%                           | $10,000                                              |
| Goldman, Sachs and Company180 Maiden LaneNew York, NY   10038                                                    | 18.75%                           | $9,000                                               |

 

 

(a)(xvi) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 01-C Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 20.76%                           | $141,972                                             |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 16.01%                           | $109,532                                             |
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                                           | 12.48%                           | $85,340                                              |
| Mellon Trust of New England, NA525 William Penn Place, Suite 3418Pittsburgh, PA 15259                            | 8.95%                            | $61,225                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN 37211                                   | 8.45%                            | $57,821                                              |
| Barclays Global Investors NA / Investors Bank and Trust980 9th Street, 6th FloorSacramento, CA   95814           | 8.31%                            | $56,870                                              |

 

 

(a)(xvii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 01-C Class B Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| Bank of America, NA411 North Akard Street, 5th FloorDallas, TX   75201                                           | 21.88%                           | $10,500                                              |
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                                           | 20.83%                           | $10,000                                              |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 17.92%                           | $8,600                                               |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 13.54%                           | $6,500                                               |
| Mellon Trust of New England, NA525 William Penn PlacePittsburgh, PA 15259                                        | 11.46%                           | $5,500                                               |
| Citibank, NA3800 Citibank Center B3-15Tampa, FL 33610                                                            | 10.42%                           | $5,000                                               |

 

 

(a)(xviii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 02-A Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| The Northern Trust Company801 South Canal C-INChicago, IL 60607                                                  | 29.11%                           | $192,094                                             |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 23.35%                           | $154,140                                             |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 19.22%                           | $126,870                                             |
| Mellon Trust of New England, NA525 William Penn Place, Suite 3418Pittsburgh, PA 15259                            | 10.28%                           | $67,837                                              |
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                                           | 6.99%                            | $46,118                                              |

 

 

(a)(xix) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 02-A Class B Certificates is indicated below:
| **Name and Address of Holder**                                                        | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|---------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254 | 76.79%                           | $43,000                                              |
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                | 17.86%                           | $10,000                                              |
| Citibank, NA3800 Citibank Center B3-15Tampa, FL 33610                                 | 5.36%                            | $3,000                                               |

 

 

(a)(xx) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 02-B Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                   | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                                           | 34.42%                           | $213,000                                             |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                            | 31.03%                           | $192,000                                             |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA 02171 | 12.36%                           | $76,500                                              |
| Mellon Trust of New England, NA525 William Penn Place, Suite 3418Pittsburgh, PA 15259                            | 11.96%                           | $74,000                                              |
| Citibank, NA3800 Citibank Center B3-15Tampa, FL 33610                                                            | 7.96%                            | $49,250                                              |

 

 

(a)(xxi) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 02-B Class B Certificates is indicated below:
| **Name and Address of Holder**                                                        | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|---------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| Sumitomo Trust and Banking Co. (USA)527 Madison AvenueNew York, NY 10022              | 33.33%                           | $17,500                                              |
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                | 28.57%                           | $15,000                                              |
| Citibank, NA3800 Citibank Center B3-15Tampa, FL 33610                                 | 19.05%                           | $10,000                                              |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254 | 19.05%                           | $10,000                                              |

 

 

(a)(xxii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 02-C Class A Certificates is indicated below:
| **Name and Address of Holder**                                                                                    | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|-------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                             | 28.81%                           | $183,638                                             |
| Mellon Trust of New England, NA525 William Penn Place Suite 3418Pittsburgh, PA   15259                            | 28.09%                           | $179,096                                             |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA  02171 | 9.85%                            | $62,795                                              |
| Citibank, NA3800 Citibank Center B3-15Tampa, FL 33610                                                             | 8.52%                            | $54,325                                              |
| SSB Bank Portfolio1776 Heritage DriveNorth Quincy, MA   02171                                                     | 7.58%                            | $48,350                                              |
| The Northern Trust Company801 South Canal C-INChicago, IL   60607                                                 | 6.26%                            | $39,920                                              |

 

 

(a)(xxiii) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 02-C Class B Certificates is indicated below:
| **Name and Address of Holder**                                                                                                           | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| Bank of Tokyo-Mitsubishi Trust CompanyTrust Operations Department Plaza 35th Floor Harborside Financial CenterJersey City, NJ 07311-1904 | 44.44%                           | $20,000                                              |
| Sumitomo Trust and Banking Co. (USA)527 Madison AvenueNew York, NY 10022                                                                 | 33.33%                           | $15,000                                              |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                                                    | 22.22%                           | $10,000                                              |

 

 

(a)(xxiv) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 03-A Class A Certificates indicated below: 
| **Name and Address of Holder**                                                                                    | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|-------------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| The Bank of New YorkOne Wall StreetNew York, NY  10286                                                            | 21.10%                           | $134,485                                             |
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254                             | 18.91%                           | $120,545                                             |
| PNC Bank, NA / PittsburghOne PNC Plaza, 9th Floor249 5th AvenuePittsburgh, PA   15222-7707                        | 14.76%                           | $94,085                                              |
| Mellon Trust of New England, NA525 William Penn Place Suite 3418Pittsburgh, PA   15259                            | 14.40%                           | $91,820                                              |
| State Street Bank and Trust CompanyGlobal Corporate Action Unit JAB 5NW1776 Heritage DriveNorth Quincy, MA  02171 | 9.85%                            | $62,799                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN  37211                                   | 8.24%                            | $52,500                                              |

 

 

(a)(xxv) Each holder of record at January 30, 2004 of more than five percent (5%) of the Series 03-A Class B Certificates indicated below:
| **Name and Address of Holder**                                                        | **Percent of Certificates Held** | **Dollar Amount of Certificates Held (000’s)** |
|---------------------------------------------------------------------------------------|----------------------------------|------------------------------------------------------|
| JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254 | 66.67%                           | $30,000                                              |
| Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN  37211       | 22.22%                           | $10,000                                              |
| The Northern Trust Company801 South Canal C-INChicago, IL   60607                     | 11.11%                           | $5,000                                               |

 

 

(b) Not applicable.

(c) Not applicable.

 

***Item 13. Certain Relationships and Related Transactions***

Not applicable.

*** ***

***Item 14. Principal Accounting Fees and Services***

Not applicable.

 

  

**PART IV**

 

***Item 15. Exhibits, Financial Statement Schedules, and Reports on Form 8-K***
| (1)    | None         |                                                                                                                                                     |
|--------|--------------|----------------------------------------------------------------------------------------------------------------------------------------------------------|
| (2)    | None         |                                                                                                                                                     |
| (3)    | Exhibit 3.1  | Trust Agreement dated March 28, 2002 incorporated by reference to Exhibit 3.1 to Registrant’s Registration Statement on Form S-3 (No.333-73728-01) |
|   | Exhibit 31.1 | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 and relevant rules and regulations of the Commission                             |
|   | Exhibit 99.1 | Supplementary Trust Data relating to performance of the Trust                                                                                            |
|   | Exhibit 99.2 | Annual Servicer's Certificate                                                                                                                            |
|   | Exhibit 99.3 | Report of Independent Accountants                                                                                                                        |
|   | Exhibit 99.4 | Management Report on Internal Control over the Servicing of Securitized Credit Card Receivables                                                          |

 

(b) Reports on Form 8-K

The following reports on Form 8-K were filed by the registrant with respect to Monthly Periods and events occurring during the year ended December 31, 2003:
| Date     | Items | Description                                                  |
|----------|-------|--------------------------------------------------------------|
| 02/18/03 | 5, 7  | Monthly Reports for January 2003                             |
| 02/19/03 | 5, 7  | Legality Opinion                                             |
| 02/20/03 | 5, 7  | Series Term Sheet                                            |
| 03/03/03 | 5, 7  | Series 2003-A Supplement                                     |
| 03/17/03 | 5, 7  | Monthly Reports for February 2003                            |
| 04/15/03 | 5, 7  | Monthly Reports for March 2003                               |
| 05/15/03 | 5, 7  | Monthly Reports for April 2003                               |
| 05/30/03 | 7, 9  | Solicitation Statement                                       |
| 06/16/03 | 5, 7  | Monthly Reports for May 2003                                 |
| 06/27/03 | 5, 7  | Amendment to Series 1999-C Supplement                        |
| 07/15/03 | 5, 7  | Monthly Reports for June 2003                                |
| 08/15/03 | 5, 7  | Monthly Reports for July 2003                                |
| 09/15/03 | 5, 7  | Monthly Reports for August 2003                              |
| 10/15/03 | 5, 7  | Monthly Reports for September 2003                           |
| 11/17/03 | 5, 7  | Monthly Reports for October 2003                             |
| 11/17/03 | 5, 7  | Amendment to correct HTML syntax for October Monthly Reports |
| 12/15/03 | 5, 7  | Monthly Reports for November 2003                            |
| 01/15/04 | 5, 7  | Monthly Reports for December 2003                            |

 

(c) Exhibits
| **Exhibit No.** | **Description of Exhibit**                                                                                                   |
|-----------------|------------------------------------------------------------------------------------------------------------------------------|
| 3.1             | Trust Agreement Incorporated By Reference                                                                                    |
| 31.1            | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 and relevant rules and regulations of the Commission |
| 99.1            | Supplementary Trust Data                                                                                                     |
| 99.2            | Annual Servicer’s Certificate                                                                                          |
| 99.3            | Report of Independent Accountants                                                                                            |
| 99.4            | Management Report on Internal Control over the Servicing of Securitized Credit Card Receivables                              |

 

(d) Not applicable. No annual report or proxy material has been sent to security holders.

** **

**SIGNATURES**

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf bythe undersigned, thereunto duly authorized.
| *Fleet Credit Card Funding Trust*                |
|--------------------------------------------------|
| *On behalf of Fleet Credit Card Master Trust II* |
| *Dated: March 24, 2004*                          |
| *By:*/s/ JEFFREY A. LIPSON                       |
| Jeffrey A. Lipson                                |
| Vice President                                   |

 

 

 **INDEX TO EXHIBITS**
| **Exhibit Number** | **Description of Exhibit**                                                                                                   |
|--------------------|------------------------------------------------------------------------------------------------------------------------------|
| 3.1                | Trust Agreement Incorporated By Reference                                                                                    |
| 31.1               | Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 and relevant rules and regulations of the Commission |
| 99.1               | Supplementary Trust Data                                                                                                     |
| 99.2               | Annual Servicer’s Certificate                                                                                          |
| 99.3               | Report of Independent Accountants                                                                                            |
| 99.4               | Management Report on Internal Control over the Servicing of Securitized Credit Card Receivables                              |