Document:

<PAGE>   1
Exhibit 10.19.1

                                 AMENDMENT NO. 1
                                       TO
                          SALE AND SERVICING AGREEMENT

            AMENDMENT NO. 1, dated as of June 1, 2000, between First
International Bank, as Servicer (the "Servicer"), and FIB Funding Trust (the
"Trust") to that certain Sale and Servicing Agreement dated as of October 1,
1999 (the "Sale and Servicing Agreement") between First International Bank, as
Seller and Servicer, and the Trust.

            WHEREAS, First International Bank, as Seller and Servicer, and the
Trust entered into the Sale and Servicing Agreement in connection with the
issuance by the Trust of the FIB Funding Trust Notes; and

            WHEREAS, Section 11.02(b) of the Sale and Servicing Agreement
permits the Sale and Servicing Agreement to be amended from time to time
pursuant to the conditions set forth therein; and

            WHEREAS, the parties hereto wish to amend the Sale and Servicing
Agreement as set forth herein;

            NOW THEREFORE, in consideration of the above premises and for other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

            1. Capitalized terms used herein and not otherwise defined shall
have the meanings ascribed thereto in Appendix A to the Sale and Servicing
Agreement.

            2. The definition of "Portfolio Yield" contained in Appendix A to
the Sale and Servicing Agreement is hereby amended by inserting the phrase ",the
Interest Distribution Amount and the Program Fee" after the phrase "Servicing
Fee" appearing on the sixth line of such definition.

            3. Exhibit L to the Sale and Servicing Agreement is hereby amended
by inserting the phrase "+ the Servicing Fee + the Interest Distribution Amount
+ the Program Fee + the fees payable to the Owner Trustee and the Indenture
Trustee" after the phrase "Additional Fee" appearing in line II under the
heading "Portfolio Yield."

            4. Except as otherwise set forth herein, the Sale and Servicing
Agreement shall continue in full force and effect in accordance with its terms.
<PAGE>   2
            5.  This Amendment No. 1 may be executed in one or more
counterparts, each of which, when so executed, shall be deemed an original;
such counterparts, together, shall constitute one and the same agreement.

            IN WITNESS WHEREOF, the parties have executed this Amendment No. 1
to the Sale and Servicing Agreement as of the day and year first above written.

                                          FIB FUNDING TRUST

                                          By: First International Bank

                                          By: /s/ Ted Horan
                                             ---------------------------
                                              Name:   Ted Horan
                                              Title:  Senior Vice President

                                          FIRST INTERNATIONAL BANK, as
                                              Servicer

                                          By: /s/ Ted Horan
                                              --------------------------
                                              Name:   Ted Horan
                                              Title:  Senior Vice President

CONSENTED TO:

HSBC BANK USA,
  not in its individual capacity but solely
  as Indenture Trustee

By: /s/ Susan Barstock
    ------------------------------------------
    Name:   Susan Barstock
   Title:  Assistant Vice President

UNITED STATES SMALL BUSINESS
 ADMINISTRATION

By /s/ LeAnn M. Oliver
  ----------------------------------------------
   Name:    LeAnn M. Oliver
   Title:
<PAGE>   3
FIRST UNION SECURITIES, INC.,
  as Administrative Agent

By: /s/ James L. Sigman
    ------------------------------------------
    Name:  James L. Sigman
    Title: Director

VARIABLE FUNDING CAPITAL CORPORATION,
  as Sole Noteholder

By:  FIRST UNION SECURITIES, INC.,
        as attorney-in-fact

By: /s/ Darrell R. Baber
    ------------------------------------------
    Name:   Darrell R. Baber
    Title:  Director<PAGE>   1
Exhibit 10.19.2

                                 AMENDMENT NO. 2
                                       TO
                          SALE AND SERVICING AGREEMENT

           AMENDMENT NO. 2, dated as of October 1, 2000, between First
International Bank, as Servicer (the "Servicer"), and FIB Funding Trust (the
"Trust") to that certain Sale and Servicing Agreement dated as of October 1,
1999 (the "Sale and Servicing Agreement") between First International Bank, as
Seller and Servicer, and the Trust.

                  WHEREAS, First International Bank, as Seller and Servicer, and
the Trust entered into the Sale and Servicing Agreement in connection with the
issuance by the Trust of the FIB Funding Trust Notes; and

                  WHEREAS, First International Bank, as Seller and Servicer, and
the Trust entered into Amendment No. 1 to the Sale and Servicing Agreement dated
as of June 1, 2000.

                  WHEREAS, Section 11.02(b) of the Sale and Servicing Agreement
permits the Sale and Servicing Agreement to be amended from time to time
pursuant to the conditions set forth therein; and

                  WHEREAS, the parties hereto wish to amend the Sale and
Servicing Agreement as set forth herein;

                  NOW THEREFORE, in consideration of the above premises and for
other good and valuable consideration, the receipt and sufficiency of which are
hereby acknowledged, the parties hereto agree as follows:

                  1. Capitalized terms used herein and not otherwise defined
shall have the meanings ascribed thereto in Appendix A to the Sale and Servicing
Agreement.

                  2. Section 3.02(ii) of the Sale and Servicing Agreement is
hereby amended to read in its entirety as follows: "The SBA Loan is risk rated
"4" or better by the Seller;".

                  3. Exhibit L to the Sale and Servicing Agreement under the
heading "Concentration Criteria - Industry" is hereby amended by deleting "SIC"
in the first line and adding "NAICS" in its place, deleting "3W" in the fourth
line and adding "4" in its place and deleting "20%" in the fourth line and
adding "10%" in its place.

                  4. Except as otherwise set forth herein, the Sale and
Servicing Agreement shall continue in full force and effect in accordance with
its terms.
<PAGE>   2
                  5. This Amendment No. 2 may be executed in one or more
counterparts, each of which, when so executed, shall be deemed an original; such
counterparts, together, shall constitute one and the same agreement.

                  IN WITNESS WHEREOF, the parties have executed this Amendment
No. 2 to the Sale and Servicing Agreement as of the day and year first above
written.

                                        FIB FUNDING TRUST

                                        By: First International Bank

                                        By:      /s/ Ted Horan
                                           -------------------------------------
                                             Name:  Ted Horan
                                             Title: Senior Vice President

                                        FIRST INTERNATIONAL BANK, as Servicer

                                        By:      /s/Ted Horan
                                           -------------------------------------
                                             Name:  Ted Horan
                                             Title: Senior Vice President

CONSENTED TO:

HSBC BANK USA,
  not in its individual capacity but solely
  as Indenture Trustee

By:   /s/ Susan Barstock
      ----------------------------------
      Name:  Susan Barstock
      Title: Assistant Vice President

UNITED STATES SMALL BUSINESS
 ADMINISTRATION

By:  /s/ LeAnn M. Oliver (Acting for)
    -------------------------------------
    Name:  Jane Palsgrove Butler
    Title: AA for Financial Assistance
<PAGE>   3
FIRST UNION SECURITIES, INC.,
  as Administrative Agent

By:  /s/ James L. Sigman
   ---------------------------------------
      Name:  James L. Sigman
      Title: Director

VARIABLE FUNDING CAPITAL CORPORATION,
  as Sole Noteholder

By:  FIRST UNION SECURITIES, INC.,
        as attorney-in-fact

By:  /s/ Darrell R. Baber
   ---------------------------------------
      Name:  Darrell R. Baber
      Title: Director<PAGE>   1
Exhibit 10.20.1

                                 AMENDMENT NO. 1
                                       TO
                             NOTE PURCHASE AGREEMENT

            AMENDMENT NO. 1, dated as of June 1, 2000, among FIB Funding Trust,
as Issuer (the "Issuer"), First International Bank, as Servicer (the
"Servicer"), Variable Funding Capital Corporation, as a CP Purchaser (the "CP
Purchaser"), First Union Securities, Inc., as VFCC Deal Agent and Administrative
Agent ("FUSI"), First Union National Bank as VFCC Liquidity Agent ("FUNB"), and
certain Liquidity Purchasers named therein to that certain Note Purchase
Agreement dated as of October 1, 1999 (the "Note Purchase Agreement") among, the
Issuer, the Servicer, the CP Purchaser, FUSI, FUNB and the Liquidity Purchasers.

            WHEREAS, the Issuer, the Servicer, the CP Purchaser, FUSI, FUNB and
the Liquidity Purchasers entered into the Note Purchase Agreement in connection
with the issuance by the Issuer of the FIB Funding Trust Notes; and

            WHEREAS, Section 9.1(a) of the Note Purchase Agreement permits the
Note Purchase Agreement to be amended from time to time pursuant to the
conditions set forth therein; and

            WHEREAS, the parties hereto wish to amend the Note Purchase
Agreement as set forth herein;

            NOW THEREFORE, in consideration of the above premises and for other
good and valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto agree as follows:

            1. Capitalized terms used herein and not otherwise defined shall
have the meanings ascribed thereto in the Note Purchase Agreement or Appendix A
to the Sale and Servicing Agreement dated as of October 1, 1999, between the
Issuer and the Servicer.

            2. The definition of "Concentration and Mix Criteria" contained in
Section 1.1 of the Note Purchase Agreement is hereby amended by (i) replacing
"SIC" with "NAICS" in subparagraph (b) thereof, (ii) replacing "3W" with "4" in
subparagraph (e) thereof and (iii) replacing "20%" with "10%" in subparagraph
(e) thereof.

            3. Except as otherwise set forth herein, the Note Purchase Agreement
shall continue in full force and effect in accordance with its terms.
<PAGE>   2
            4.  This Amendment No. 1 may be executed in one or more
counterparts, each of which, when so executed, shall be deemed an original;
such counterparts, together, shall constitute one and the same agreement.

            IN WITNESS WHEREOF, the parties have executed this Amendment No. 1
to the Note Purchase Agreement as of the day and year first above written.

THE ISSUER:                               FIB FUNDING TRUST

                                          By: First International Bank

                                          By:  /s/ Ted Horan
                                               ---------------------------------
                                               Name:  Ted Horan
                                               Title: Senior Vice President

THE SERVICER:                             FIRST INTERNATIONAL BANK, as
                                          Servicer

                                          By:  /s/ Ted Horan
                                               ---------------------------------
                                               Name:  Ted Horan
                                               Title: Senior Vice President

THE LIQUIDITY PURCHASERS:                 FIRST UNION NATIONAL BANK, a
                                          national banking corporation

                                          Commitment:

                                          By:  /s/ Bill A. Shirley
                                               ---------------------------------
                                               Name:  Bill A. Shirley
                                               Title: Senior Vice President

THE CP PURCHASERS                         VARIABLE FUNDING CAPITAL
                                          CORPORATION, a Delaware corporation

                                          By:   First Union Securities, inc.,
                                          as attorney-in-fact

                                          By:  /s/ Darrell R. Baber
                                               ---------------------------------
                                               Name:  Darrell R. Baber
                                               Title:    Director
<PAGE>   3
THE DEAL AGENTS                           FIRST UNION SECURITIES,
("VFCC deal Agent") and
THE ADMINISTRATIVE AGENT:

                                          By:  /s/ James L. Sigman
                                               ---------------------------------
                                               Name:  James L. Sigman
                                               Title:    Director

THE LIQUIDITY AGENTS:                     FIRST UNION NATIONAL BANK, a
                                          national banking corporation

                                          By:  /s/ Bill A. Shirley
                                               ---------------------------------
                                               Name:  Bill A. Shirley
                                               Title:    Senior Vice President

CONSENTED TO:

UNITED STATES SMALL BUSINESS
 ADMINISTRATION

By  /s/ Le Ann M. Oliver (Acting for)
    -----------------------------------
    Name:  Jane Palsgrove Butler
    Title: AA for Financial Assistance

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