Document:

EXHIBIT 10.55

          AMENDMENT TO SECOND AMENDED AND RESTATED CREDIT AGREEMENT (the
"Amendment"), dated as of November 20, 2002, among Panamerican Beverages,
Inc., a Panamanian corporation (the "Borrower") and the financial institutions
listed in the signature pages hereto (the "Consenting Lenders"). All
capitalized terms used but not defined herein shall have the meaning given to
such terms in the Credit Agreement (as defined below).

          The Borrower, the financial institutions listed on the signature
pages thereto, ING Capital LLC, as administrative agent (in such capacity, the
"Administrative Agent"), and The Chase Manhattan Bank, as syndication agent,
entered into a Second Amended and Restated Credit Agreement, dated as of
October 29, 2001 (the "Credit Agreement") and now have agreed, pursuant to
Section 8.01 of the Credit Agreement, to amend Section 5.04(b) of the Credit
Agreement in its entirety. Effective as of the date hereof upon the execution
and delivery of this Amendment by the Borrower and Lenders constituting the
Required Lenders, Section 5.04(b) of the Credit Agreement is amended in its
entirety as follows:

          (b) Debt to EBITDA Ratio. Maintain a ratio of Consolidated Debt to
     Consolidated EBITDA (calculated as of the last day of each fiscal quarter
     or year hereinafter indicated, as reflected in the quarterly or annual
     financial statements for such fiscal quarter or year, for the
     twelve-month period ending on the relevant date of determination) of not
     more than (i) 2.35 to 1 through the periods ended December 31, 2002 and
     March 31, 2003 and (ii) 2.25 to 1 thereafter.

          In order to induce the Consenting Lenders to enter into this
Amendment, the Borrower hereby (i) makes the representations and warranties
set forth in Article IV of the Credit Agreement as of the date hereof (it
being understood and agreed that any representation which by its terms is made
as of a specified date shall be required to be true and correct in all
material respects only as of such specified date), and (ii) represents and
warrants that, (a) as of the date hereof, there exists no Default or Event of
Default under the Credit Agreement as amended by this Amendment and (b) since
December 31, 2001, there has been on Material Adverse Change.

          Except as expressly provided hereby, the Credit Agreement, each
other Loan Document and all instruments and documents executed and delivered
pursuant thereto shall continue in full force and effect in accordance with
their respective terms. All references in the Loan Documents to the Credit
Agreement shall be deemed to refer to the Credit Agreement as modified by this
Amendment and as hereafter modified by any amendment, modification or
supplement thereto. The execution, delivery and effectiveness of this
Amendment shall not operate as a waiver of any right, power or remedy of any
Lender or the Administrative Agent under any of the Loan Documents. This
Amendment shall be governed by, and construed in accordance with, the internal
laws of the State of New York. This Amendment may be executed in any number of
counterparts and by the different parties hereto on separate counterparts,
each of which when so executed and delivered shall be an original, but all of
which shall together constitute one and the same instrument.

                        [SIGNATURES ON FOLLOWING PAGES]

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be executed by their respective officers thereunto duly authorized, as of the
date first above written.

                                     PANAMERICAN BEVERAGES, INC., as Borrower

                                     By:
                                            /s/ Annette Franqui
                                            ----------------------------------
                                     Name:  Annette Franqui
                                     Title: CFO

<PAGE>

                                     ING BANK N.V., ACTING THROUGH ITS
                                     CURACAO BRANCH, as Lender

                                     By:
                                            /s/
                                            ----------------------------------
                                     Name:____________________________________
                                     Title:___________________________________

                                     By:
                                            /s/
                                            ----------------------------------
                                     Name:____________________________________
                                     Title:___________________________________

<PAGE>

                                     FLEET NATIONAL BANK, as Lender

                                     By:
                                            /s/ Ravi Kacker
                                            ----------------------------------
                                     Name:  Ravi Kacker
                                     Title: Director

                                     By:
                                            /s/ Janet G. O'donnell
                                            ----------------------------------
                                     Name:  Janet G. O'donnell
                                     Title: Managing Director

<PAGE>

                                     BANCO BILBAO VIZCAYA ARGENTARIA, S.A.,
                                     as Lender

                                     By:
                                            /s/ Hector Villegas
                                            ----------------------------------
                                     Name:  Hector Villegas
                                     Title: Vice President Global
                                            Corporate Banking

                                     By:
                                            /s/ Salustiano Machado
                                            ----------------------------------
                                     Name:  Vice President
                                     Title: Global Corporate Banking

<PAGE>

                                     LANDESBANK SCHLESWIG-HOLSTEIN
                                     GIROZENTRALE, as Lender

                                     By:
                                            /s/ Imke Hallmann
                                            ---------------------------------
                                     Name:  Imke Hallmann
                                     Title: Assistant Vice President

                                     By:
                                            /s/ Frank Drews
                                            ---------------------------------
                                     Name:  Frank Drews
                                     Title: Vice President

<PAGE>

                                     COOPERATIEVE CENTRALE RAIFFEISEN
                                     BOERENLEENBANK B.A., "Rabobank Nederland",
                                     NEW YORK BRANCH, as Lender

                                     By:
                                            /s/ Edward J. Prisner
                                            ---------------------------------
                                     Name:  Edward J. Prisner
                                     Title: Managing Director

                                     By:
                                            /s/ Chris G. Kortlandt
                                            ---------------------------------
                                     Name:  Chris G. Kortlandt
                                     Title: Managing Director

<PAGE>

                                     WACHOVIA BANK, N.A., as Lender

                                     By:
                                            /s/ J. Tyler Rollins
                                            ---------------------------------
                                     Name:  J. Tyler Rollins
                                     Title: Director

<PAGE>

                                     SUNTRUST BANK, as Lender

                                     By:
                                            /s/ Donald M. Lynch
                                            ---------------------------------
                                     Name:  Donald M. Lynch
                                     Title: Director

<PAGE>

                                     CITIBANK MEXICO S.A., as Lender

                                     By:
                                            /s/ Jose Maria Urquiza
                                            ---------------------------------
                                     Name:  Jose Maria Urquiza
                                     Title: Vice PresidentEXHIBIT 10.56

                                PROMISSORY NOTE

FOR US $ 33,000,000
DATE: DECEMBER 16, 2002
Nro.1/1

For value received in cash, Panamco de Venezuela, S.A., a company chartered
and existing under the laws of the Bolivarian Republic Venezuela, and
domiciled in Caracas, Venezuela (the "Borrower") hereby unconditionally
promises to pay on THREE (3) CONSECUTIVE INSTALLMENTS to the order of INARCO
INTERNATIONAL BANK, N.V. a financial institution organized under the laws of
Aruba, Netherlands Antilles (the "Lender") in lawful money of the United
States of America, the principal amount of THIRTY THREE MILLION DOLLARS OF THE
UNITED STATES OF AMERICA (US$ 33,000,000) as follows:

             Payment Date                 Principal Amount
             ------------                 ----------------
             June 13,2003                 US $ 4,000,000
             September 12, 2003           US $ 4,000,000
             December 16, 2003            US $25,000,000

Interest shall accrue and be paid quarterly ("Interest Period") on the unpaid
principal amount of this Promissory Note at the prevailing three month LIBOR
plus 170 bps (the "Margin").

"LIBOR" shall mean the rate of interest per annum at which deposits in United
States Dollars are offered by the principal office of Citibank, N.A. in
London, England, to prime banks in the London Interbank Market at 11:00 am
(London time) two Business Days before the first day of each Interest Period
for a period equal to such Interest Period for approximately equal amounts for
such Interest Period. Interest shall be paid at the end of each Interest
Period. "Interest Period" means the period of time used to calculate interest,
beginning on the date the Loan is disbursed and ending three months thereafter
and each subsequent three months period; provided that, if an Interest Period
ends on a day which is not a Business Day it shall be extended to the next
Business Day, unless it falls on the next calendar month in which case it
shall be reduced to the next preceding Business Day.

If the Borrower fails to pay any amount owed to the Lender on the date it must
be paid (whether at maturity, by acceleration or otherwise), the Borrower
agrees that the total applicable interest rate shall be the three month Libor
plus the Margin plus 200 bps until such amount is paid in full.

Interest is to be calculated based on a 360-day-year and actual days elapsed.

Payment of both principal and interest are to be made only and exclusively in
Dollars of the United States of America and in immediately available and
freely transferable funds, not later than 11:00 a.m. (New York City time) on
the date on which due, by credit to account number 10999364 of Citibank N.A.
(Aruba Branch) with Citibank N.A. New York, 399 Park Avenue, New York, N.Y.
10043, United States of America, (reference Inarco International Bank N.V.
loan) or, if applicable to such other account as the Lender may specify in
written notice delivered to the Borrower. Payments shall be made free and
clear of and without deduction of any present and future taxes, levies,
imposts, charges or other fiscal assessments of any kind whatsoever with
respect thereto, which shall be paid by and shall be for the account of the
Borrower, except such taxes as may be measured or imposed on the Lender's net
income by the jurisdiction or any political subdivision thereof in which the
Lender's principal office or lending branch is located. If the Borrower shall
be required

<PAGE>

by law to deduct any taxes from or in respect of any sum payable hereunder,
including without limitation the Venezuelan income taxes imposed and required
to be withheld and paid at the rate of 4,95% on interest payments amounts, or
if the Venezuelan tax rate applicable to interest payments is increased above
the 4,95% withholding tax rate now in effect, (i) the sum payable by the
Borrower shall be increased as may be necessary so that after making all
required deductions the Lender receives an amount equal to the sum it would
have received had no such deductions been made, and (ii) the Borrower shall
make such deductions and pay the relevant taxation authority. The Borrower
shall promptly deliver to the Lender the corresponding original or certified
tax receipts.

The Borrower hereby waives presentment for payment, demand, protest and notice
of dishonor.

It is agreed that this Promissory Note shall be binding upon and inure to the
benefit of the Borrower and the Lender and their respective successors and
assigns, except that Borrower may not assign or transfer any of its rights
and/or obligations under this Promissory Note without the prior written
consent of the Lender. It is also agreed that the Lender without the consent
of the Borrower may assign its interests in this Promissory Note or any
portion thereof to any of its subsidiaries and/or affiliates and/or any third
party. Prepayments are allowed and will not be subject to any premium or
penalty provided that they are made on an interest payment date.

This Promissory Note shall be governed by and construed in accordance with the
law of the State of New York, United States of America irrespective of the
principles of conflicts of laws thereunder.

The Borrower hereby irrevocably submits to the non-exclusive jurisdiction of
any New York state or federal courts sitting in New York City, State of New
York, United States of America, over any action or proceeding arising out of
or relating to this Promissory Note. The Borrower hereby irrevocably waives to
the fullest extent it might effectively do so, the defense of an inconvenient
forum or to the maintenance of any such action or proceeding. The Borrower
irrevocably consents to the service of any and all process in any such action
or proceeding by delivery to CT Corporation System (the "Process Agent") at
111 Eighth Avenue, New York, New York 10011. As an alternative method of
service, election upon the Lender, the Borrower also irrevocably consents to
the service of any and all process in any such action or proceeding by the
mailing of a copy of such process to the Borrower at its address as set forth
herein. The Borrower agrees that a final judgment in any such action or
proceeding shall be conclusive and may be enforced in other jurisdictions by
suit on the judgment or in any other manner provided by law.

By: Panamco de Venezuela, S.A.        By: Panamerican Beverages, Inc.,
                                          as Guarantor

/s/ Carlos Hernandez-Artigas              /s/ Annette Franqui
-------------------------------           ------------------------------
Name:    Carlos Hernandez-Artigas         Name:    Annette Franqui
Title:   Alternate Director               Title:   VP, Chief Financial Officer
Address: Caracas, Venezuela               Address: Panama City, Panama

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