Document:

Exhibit 10.4

 Exhibit 10.4 
  
 FIFTH AMENDMENT 
 TO THE 
 THIRD AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT 
  
 FIFTH AMENDMENT TO THE THIRD AMENDED AND RESTATED POOLING AND SERVICING
AGREEMENT, dated as of February 1, 2006 (this “Amendment”), by and between CHASE BANK USA, NATIONAL ASSOCIATION (formerly known as Chase Manhattan Bank USA, National Association, the “Bank”), a national banking
association, as Transferor and as Servicer, and THE BANK OF NEW YORK, a New York banking corporation, as trustee (the “Trustee”). 
  
 WHEREAS, The Chase Manhattan Bank, a New York banking corporation (successor to Chemical Bank), as Transferor and Servicer, and the Trustee are parties to
a Pooling and Servicing Agreement, dated as of October 19, 1995 (the “Original Pooling and Servicing Agreement”); 
  
 WHEREAS, Chase Manhattan Bank USA, National Association, a national banking association (formerly known as The Chase Manhattan Bank (USA) and predecessor
to the Bank), as Transferor on and after June 1, 1996, The Chase Manhattan Bank, as Transferor prior to June 1, 1996 and as Servicer, and the Trustee are parties to an Amended and Restated Pooling and Servicing Agreement, dated as of
June 1, 1996 (the “Amended Pooling and Servicing Agreement”); 
  
 WHEREAS, all of the parties to the Amended Pooling and Servicing Agreement are parties to a Second Amended and Restated Pooling and Servicing Agreement, dated as of September 1, 1996 (the “Second Amended
and Restated Pooling and Servicing Agreement”); 
  
 WHEREAS, all of the parties to the Second Amended and Restated Pooling and Servicing Agreement are parties to a Third Amended and Restated Pooling and Servicing Agreement, dated as of November 15, 1999, as amended by the First
Amendment thereto, dated as of March 31, 2001, the Second Amendment thereto, dated as of March 1, 2002, the Third Amendment thereto, dated July 15, 2004, and the Fourth Amendment thereto, dated as of October 15, 2004 (as amended,
supplemented or otherwise modified, the “Agreement”); 
  
 WHEREAS, subsection 13.1(b) of the Agreement provides that the Transferor, the Servicer and the Trustee, without the consent of any of the Certificateholders, may amend the Agreement from time to time so long as (i) the Servicer shall
have provided an Officer’s Certificate to the Trustee to the effect that such amendment will not materially and adversely affect the interests of any Certificateholder and will not significantly change the Permitted Activities of the Trust,
(ii) the Servicer shall have provided a Tax Opinion with respect to such amendment and (iii) the Servicer shall have provided at least ten (10) Business Days’ prior written notice to each Rating Agency of such amendment and shall
have received written confirmation from each Rating Agency that such action will satisfy the Rating Agency Condition; 
  
 WHEREAS, the Trustee has received (i) an Officer’s Certificate of the Servicer to the effect that this Amendment will not materially and
adversely affect the interests of any Certificateholder and will not significantly change the Permitted Activities of the Trust, (ii) a 

  

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Tax Opinion with respect to this Amendment and (iii) written confirmation from each Rating Agency that this Amendment will satisfy the Rating Agency
Condition; and 
  
 WHEREAS, all other conditions precedent to the
execution of this Amendment have been complied with. 
  
 NOW,
THEREFORE, pursuant to subsection 13.1(b) of the Agreement, the Transferor, the Servicer and the Trustee are executing and delivering this Amendment in order to amend the provisions of the Agreement in the manner set forth below. 
  
 Capitalized terms used but not defined herein shall have the meanings
assigned to them in the Agreement. 
  
 SECTION 1. Amendment to
Section 3.5. 
  
 Section 3.5 of the Agreement
shall be amended to read in its entirety as follows: 
  
 Section 3.5 Annual Servicer’s Certificates 
  
 (a) Servicer Compliance Statement. Within the earlier of 90 days after the end of each fiscal year of the Servicer or such date as required by Regulation AB, beginning after the end of fiscal year 2006, the Servicer will deliver to
the Trustee, any Credit Enhancement Provider and each Rating Agency, the statement of compliance required under Item 1123 of Regulation AB with respect to such fiscal year, which statement shall be in the form of an Officer’s Certificate
of the Servicer to the effect that (a) a review of the activities of the Servicer during such fiscal year and of its performance under this Agreement was made under the supervision of the officer signing such certificate, (b) to the best
of such officer’s knowledge, based on such review, the Servicer has fulfilled all of its obligations under this Agreement throughout such fiscal year, or, if there has been a failure to fulfill any such obligation in any material respect,
specifying each such failure known to such officer and the nature and status thereof; provided, however, that on or before the 90th day after the end of fiscal year 2005, the Servicer shall cause to be delivered the Officer’s Certificate of the Servicer as required to be delivered pursuant to, and in accordance with,
Section 3.5 of this Agreement as written prior to giving effect to the Fifth Amendment to this Agreement, dated as of February 1, 2006 (the “Fifth Amendment”). A copy of such statement may be obtained by any Investor
Certificateholder by a request in writing to the Trustee addressed to the Corporate Trust Office. 
  
 (b) Report of Assessment of Compliance with Servicing Criteria. Within the earlier of 90 days after the end of each fiscal year of the Servicer or
such date as required by Regulation AB, beginning after the end of fiscal year 2006, the Servicer will deliver to the Trustee, any Credit Enhancement Provider and the Rating Agency, a report of compliance with servicing criteria required under
Item 1122 of Regulation AB with respect to such fiscal year, which report will be in the form of an Officer’s Certificate of the Servicer to the effect that (i) the Servicer is responsible for assessing compliance with the servicing
obligations under this Agreement; (ii) the Servicer has used the criteria in paragraph (d) of Item 1122 of Regulation AB to assess compliance with the servicing obligations under this Agreement; (iii)
  

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 the Servicer has assessed compliance with the servicing obligations under this Agreement as of and for the period ending
the end of such fiscal year and has disclosed any material instance of noncompliance identified by the Servicer; and (iv) a registered public accounting firm has issued an attestation report on the Servicer’s assessment of compliance with
the servicing obligations under this Agreement as of and for the period ending the end of such fiscal year. A copy of such report may be obtained by any Investor Certificateholder by a request in writing to the Trustee addressed to the Corporate
Trust Office. 
  
 SECTION 2. Amendment to Subsection
3.6(a). 
  
 Subsection 3.6(a) of the Agreement shall be
amended to read in its entirety as follows: 
  
 (a) Within the
earlier of 90 days after the end of each fiscal year of the Servicer or such date as required by Regulation AB, beginning after the end of fiscal year 2006, the Servicer shall cause a registered public accounting firm (who may also render other
services to the Servicer or the Transferor) to furnish to the Trustee, any Credit Enhancement Provider and each Rating Agency an attestation report on each assessment of compliance with the servicing criteria with respect to the Servicer or any
affiliate thereof during the related fiscal year delivered by such accountants pursuant to Rule 13(a)-18 or Rule 15(d)-18 of the Exchange Act and Item 1122 of Regulation AB; provided, however, that on or before the 90th day after the end of fiscal year 2005, the Servicer shall cause to be furnished such reports as were required to be delivered
pursuant to, and in accordance with, subsection 3.6(a) of this Agreement as written prior to giving effect to the Fifth Amendment. A copy of such report or reports may be obtained by any Investor Certificateholder by a request in writing to the
Trustee addressed to the Corporate Trust Office. 
  
 SECTION 3.
Ratification of the Agreement. As amended by this Amendment, the Agreement is in all respects ratified and confirmed, and the Agreement, as so amended by this Amendment, shall be read, taken and construed as one and the same instrument.

  
 SECTION 4. Severability. If any one or more of the
covenants, agreements, provisions or terms or portions thereof of this Amendment shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms or portions thereof shall be deemed severable from the remaining
covenants, agreements, provisions or terms of this Amendment and shall in no way affect the validity or enforceability of the other covenants, agreements, provisions or terms or portions of this Amendment. 
  
 SECTION 5. Counterparts. This Amendment may be executed simultaneously
in any number of counterparts, each of which counterparts shall be deemed to be an original, and all of which counterparts shall constitute one and the same instrument. 
  
 SECTION 6. GOVERNING LAW. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE,
AND THE OBLIGATIONS, RIGHTS, AND REMEDIES OF THE PARTIES 

  

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UNDER THIS AMENDMENT SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 

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

			
	 CHASE BANK USA,

	 NATIONAL ASSOCIATION,
 as Transferor and
Servicer

		
	By:	 	 /s/ Keith W. Schuck

	Name:	 	Keith W. Schuck
	Title:	 	President
	
	 THE BANK OF NEW YORK,
 as
Trustee

		
	By:	 	 /s/ Ryan Bittner

	Name:	 	Ryan Bittner
	Title:	 	Assistant Treasurer

  
 Amendment No. 5 -
3rd A&R PSA of Chase Credit Card Master Trust 
 Signature PageExhibit 10.5

 Exhibit 10.5 
  
 SECOND AMENDMENT 
 TO THE 
 AMENDED AND RESTATED ASSET POOL ONE SUPPLEMENT 
  
 SECOND AMENDMENT TO THE AMENDED AND RESTATED ASSET POOL ONE SUPPLEMENT, dated as of February 1, 2006 (this
“Amendment”), by and between CHASE ISSUANCE TRUST (formerly known as Bank One Issuance Trust), a statutory business trust organized under the laws of the State of Delaware (the “Issuing Entity”), having its
principal office at c/o Wilmington Trust Company, 1100 North Market Street, Wilmington, Delaware 19890-1600, and WELLS FARGO BANK, NATIONAL ASSOCIATION (formerly known as Wells Fargo Minnesota Bank, National Association), a national banking
association, in its capacity as Indenture Trustee (the “Indenture Trustee”) and Collateral Agent (the “Collateral Agent”). 
  
 WHEREAS, the Issuing Entity and the Indenture Trustee and Collateral Agent have heretofore executed and delivered an Asset Pool One Supplement, dated as
of May 1, 2002, to the Indenture, dated as of May 1, 2002; 
  
 WHEREAS, the parties hereto have heretofore executed and delivered an Amended and Restated Asset Pool One Supplement, dated as of October 15, 2004, as amended by the First Amendment thereto, dated as of May 10, 2005 (as amended,
supplemented or otherwise modified, the “Agreement”), to the Amended and Restated Indenture, dated as of October 15, 2004, as amended by the Amendment thereto, dated as of February 1, 2006 (as amended, supplemented or
otherwise modified, the “Indenture”); 
  
 WHEREAS, Section 6.7 of the Agreement and Section 9.01 of the Indenture provides that the Issuing Entity, without the consent of the Indenture Trustee, the Collateral Agent or any of the Noteholders, may amend the Agreement upon
delivery of an Issuing Entity Tax Opinion for the purpose of adding any provisions to, or changing in any manner or eliminating any of the provisions of, the Agreement or of modifying in any manner the rights of the Holders of the Notes under the
Indenture, any Indenture Supplement or the Asset Pool Supplement; provided, however, that (i) the Issuing Entity shall deliver to the Indenture Trustee, the Collateral Agent and the Owner Trustee an Officer’s Certificate to
the effect that the Issuing Entity reasonably believes that such amendment will not have an Adverse Effect and is not reasonably expected to have an Adverse Effect at any time in the future and that such amendment does not adversely affect the
rights, duties, benefits, protections, privileges or immunities of the Indenture Trustee or the Collateral Agent and (ii) each Note Rating Agency confirms in writing that such amendment will not cause a Ratings Effect; 
  
 WHEREAS, each of the Indenture Trustee and the Collateral Agent has received
an Issuing Entity Tax Opinion; and each of the Indenture Trustee, the Collateral Agent and the Owner Trustee has received (i) an Officer’s Certificate to the effect that the Issuing Entity reasonably believes that this Amendment will not
have an Adverse Effect and is not reasonably 
  

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 expected to have an Adverse Effect at any time in the future and that this Amendment does not adversely affect the
rights, duties, benefits, protections, privileges or immunities of the Indenture Trustee or the Collateral Agent and (ii) from each Note Rating Agency, confirmation in writing that this Amendment will not cause a Ratings Effect; and 

 
 WHEREAS, all other conditions precedent to the execution of this Amendment
have been complied with; 
  
 NOW, THEREFORE, the Issuing Entity
and the Collateral Agent are executing and delivering this Amendment in order to amend the provisions of the Agreement in the manner set forth below. 
  
 Capitalized terms used but not defined herein shall have the meanings assigned to them in the Agreement, or if not therein, the Indenture. 
  
 SECTION 1. Amendment to Section 1.01. 
  
 (a) Section 1.01 of the Agreement is hereby amended to delete the
definition of “Issuer” and replace it with the following: 
  
 “Issuing Entity” means Chase Issuance Trust, a Delaware statutory trust. 
  
 (b) Section 1.01 of the Agreement is hereby amended to add the following defined terms: 
  
 “Monthly Servicer’s Certificate” has the meaning
specified in Section 3.14. 
  
 SECTION 2.
Section 3.14. A new Section 3.14 shall be added and shall read as follows: 
  
 Section 3.14. Monthly Servicer’s Certificate. Unless otherwise stated in the related Indenture Supplement with respect to any Series, on each Determination Date the Servicer shall forward to the Owner
Trustee, the Indenture Trustee, the Collateral Agent and each Note Rating Agency, a certificate of a duly authorized representative of the Servicer substantially in the form of Exhibit F. In addition, on each Distribution Date beginning with
the Distribution Date in the Monthly Period following the Monthly Period in which the first issuance of Notes occurs in 2006, the Servicer shall forward to the Owner Trustee, the Indenture Trustee, the Collateral Agent and each Note Rating Agency, a
report containing all material information listed in Item 1121 of Regulation AB but not otherwise included in the Asset Pool One Monthly Servicer’s Certificate or any Monthly Noteholder’s Statement, which report shall be included in
the Issuing Entity’s monthly distribution report on Form 10-D to be filed with the Commission. 
  

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 SECTION 3. Ratification of the Agreement. As amended by this Amendment, the Agreement is in all
respects ratified and confirmed, and the Agreement, as so amended by this Amendment, shall be read, taken and construed as one and the same instrument. 
  
 SECTION 4. Severability. If any one or more of the covenants, agreements, provisions or terms or portions thereof of this Amendment shall be for
any reason whatsoever held invalid, then such covenants, agreements, provisions or terms or portions thereof shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Amendment and shall in no way affect the
validity or enforceability of the other covenants, agreements, provisions or terms or portions of this Amendment. 
  
 SECTION 5. Counterparts. This Amendment may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to
be an original, and all of which counterparts shall constitute one and the same instrument. 
  
 SECTION 6. GOVERNING LAW. THIS AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, AND THE OBLIGATIONS, RIGHTS, AND REMEDIES OF THE PARTIES UNDER THIS AMENDMENT SHALL BE
DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
  

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

			
	CHASE ISSUANCE TRUST,
	as Issuing Entity
		
	By:	 	WILMINGTON TRUST COMPANY,
	 	 	not in its individual capacity but solely as Owner Trustee on behalf of the Issuing Entity
		
	By:	 	 /s/ Joann A. Rozell

	Name:	 	Joann A. Rozell
	Title:	 	Assistant Vice President
	
	WELLS FARGO BANK,
	 NATIONAL ASSOCIATION,
 as Indenture Trustee
and Collateral Agent
 and not in its individual capacity

		
	By:	 	 /s/ Cheryl Zimmerman

	Name:	 	Cheryl Zimmerman
	Title:	 	Assistant Vice President

  
 Acknowledged and Accepted:

  
 CHASE BANK USA, NATIONAL ASSOCIATION, 
 as Transferor, Servicer and Administrator 
  

			
	By:	 	 /s/ Keith W. Schuck

	Name:	 	Keith W. Schuck
	Title:	 	President

  
 Amendment No. 2 -
A&R Asset Pool One Supplement 
 Signature Page

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