Document:

<PAGE>   1
Exhibit 10.9.2

                            FOURTH AMENDMENT OF LEASE

         The Parties agree to the following, effective as of the date of this
instrument:

SECTION I.        THE PARTIES.

         1.1 CAMBRIDGE ONE COMMERCIAL PLAZA, LLC, a Connecticut limited
liability company with a place of business in care of Cambridge Realty Partners,
LLC, 280 Trumbull Street, Hartford, Connecticut 06103, is hereinafter referred
to as "LANDLORD".

         1.2 FIRST INTERNATIONAL BANK (formerly First National Bank of New
England and later First International Bank, National Association), now a state
banking association with a place of business at 280 Trumbull Street, Hartford,
Connecticut 06103, is hereinafter referred to as "TENANT".

SECTION II.         THE LEASE.

         Landlord and Tenant entered into a Lease Agreement dated as of June 1,
1997, for premises in the building located at 280 Trumbull Street, Hartford,
Connecticut, which Lease Agreement was amended by a First Amendment of Lease
dated November 30, 1998 (the "FIRST AMENDMENT"), a Second Amendment of Lease
dated as of March 26, 1999 (the "SECOND AMENDMENT"), and a Third Amendment of
Lease dated as of October 29, 1999 (the "THIRD AMENDMENT"). The Lease Agreement,
as so amended, is referred to herein as the "LEASE". All terms defined in the
Lease shall have the same meaning in this instrument unless redefined in this
instrument.

SECTION III.        AMENDMENTS TO THE LEASE.

         3.1        AMENDMENT AND RESTATEMENT OF SECTION 1.2 OF THE LEASE.

         The parties agree that, effective as of March 31, 2000, all of Tenant's
rights and all of its obligations to lease Expansion Space C shall terminate and
be of no further force or effect. Accordingly, Expansion Space C shall not be
added to the Premises on April 1, 2000. Tenant hereby surrenders to Landlord all
rights it may have in and to Expansion Space C. Tenant shall have no further
rights of expansion, except as may expressly be stated in this Amendment.
References to Exhibit B-7 are hereby deemed deleted from the Lease; references
to Exhibit B-1 are deemed deleted from the Lease by the terms of the Second
Amendment.

         Therefore, Section 1.2 of the Lease (as amended by the First Amendment,
Second Amendment, and Third Amendment) is deleted in its entirety and the
following is substituted in lieu thereof, amending and restating Section 1.2:

                      Section 1.2   The Premises

                      Landlord hereby leases to Tenant, and Tenant hereby
                  accepts from Landlord, the following premises, each designated
                  as set forth below (collectively, the "PREMISES"):
<PAGE>   2
<TABLE>
<S>                                                      <C>         <C>
                      Office Space:

                      Fourth Floor Space                 25,018      rentable square feet on the
                                                                     fourth floor
                      Original Twelfth Floor Space        9,311      rentable square feet on the
                                                                     twelfth floor
                      Expansion Space A                   9,635      rentable square feet on the
                                                                     twelfth floor
                      Expansion Space B                   6,323      rentable square feet on the
                                                          -----      twelfth floor
                                  TOTAL                  50,287

                      Storage Space:

                           Storage Space                    224      rentable square feet on the
                                                                     twelfth floor
                           Additional Storage Space         469      rentable square feet on the
                                                            ---      concourse floor
                                  TOTAL                     693
</TABLE>

                  The foregoing spaces correspond to the hatched areas shown on
                  Exhibits B-2, B-3, B-4, B-5, B-6, and B-8 (added by the Second
                  Amendment), respectively, and such spaces are hereinafter
                  referred to as designated above.

         3.2        AMENDMENT TO SECTION 2.1. OF THE LEASE.

         Section 2.1 of the Lease is amended by deleting the Expiration Date of
"December 31, 2003" (as provided in Section of the Third Amendment) and
substituting "December 31, 2006" in lieu thereof in order to extend the Term of
the Lease by three years.

         3.3        DELETION OF SECTION 2.2 OF THE LEASE.

         Section 2.2 of the Lease, as amended by the First Amendment and Third
Amendment, is hereby deleted in its entirety.

         3.4        AMENDMENT TO SECTION 3.1 OF THE LEASE.

         Section 3.1 of the Lease (as amended by the Second Amendment and the
Third Amendment) is hereby deleted in its entirety, and the following is
substituted in lieu thereof:

                           Section 3.1      Base Rent

                                    (a) Tenant shall pay Landlord as base rent
                  (the "BASE RENT") for each year during the Term the sum of the
                  amounts set forth below as Office Space Base Rent and Storage
                  Space Base Rent, payable in equal monthly installments due in
                  advance on the first day of each month during the Term.

                                     - 2 -
<PAGE>   3
                  OFFICE SPACE BASE RENT:

<TABLE>
<CAPTION>
                  Year              Per RSF             Annual               Monthly
                  ----              -------             ------               -------
<S>                                 <C>              <C>                    <C>
                  2000               15.82           $  795,406.50          $66,283.88
                  2001               17.00           $  854,879.00          $71,239.92
                  2002               18.25           $  917,737.75          $76,478.15
                  2003               19.50           $  980,596.50          $81,716.38
                  2004               20.00           $1,005,740.00          $83,811.67
                  2005               20.50           $1,030,883.50          $85,906.96
                  2006               21.00           $1,056,027.00          $88,002.25
</TABLE>

                  STORAGE SPACE BASE RENT:

<TABLE>
<CAPTION>
                  Years             Per RSF             Annual               Monthly
                  -----             -------             ------               -------
<S>                                 <C>              <C>                    <C>
                  All                10.00           $    6,930.00          $   577.50
</TABLE>

                                    (b) If the Commencement Date is not the
                  first day of a month, the installment of Base Rent for the
                  initial partial month shall be equitably prorated and shall be
                  due in advance.

                                    (c) Tenant shall also pay all sales taxes
                  and all other governmental fees, charges, or taxes on the Base
                  Rent (excluding any federal or state income taxes owed by
                  Landlord). All payments required under this Lease, other than
                  Base Rent, shall be deemed to be additional rent.

         3.5      DELETION OF SECTION 3.2. TO THE LEASE

         Section 3.2. of the Lease (as amended by the First Amendment) is hereby
deleted in its entirety.

         3.6      DELETION OF SECTION 3.3. TO THE LEASE

         Section 3.3. of the Lease (added by the Third Amendment) is hereby
deleted in its entirety.

         3.7      AMENDMENT TO SECTION 4.1(a) OF THE LEASE

         Subsection (a) of Section 4.1 of the Lease (as amended by the Third
Amendment) is deleted in its entirety, and the following is substituted in lieu
thereof:

                                     - 3 -
<PAGE>   4
                                    (a) Tenant shall pay Landlord as additional
                  rent throughout the Term 7.500 PERCENT ("TENANT'S SHARE") of
                  the amount (the "INCREMENTAL OPERATING EXPENSES") by which
                  annual Operating Expenses (as defined below) incurred by
                  Landlord during each calendar year exceed Operating Expenses
                  for calendar year 1997 (the "BASE OPERATING EXPENSES").
                  Tenant's Share is equal to the proportion that the rentable
                  square foot area of the Premises bears to the total rentable
                  square foot office area of the Building.

         3.8      AMENDMENT OF SECTION 4.1(d)(i) OF THE LEASE.

         Subsection (d) (i) of Section 4.1 of the Lease is deleted in its
entirety from the Lease, and the following is substituted in lieu thereof:

                           (d) (i) Tenant shall pay Landlord as additional rent
                  throughout the Term 14.303 PERCENT ("TENANT'S ELECTRIC SHARE")
                  of the amount by which annual Electric Expenses (as defined
                  below) incurred by Landlord during each calendar year exceed
                  Electric Expenses for calendar year 1997 (the "BASE ELECTRIC
                  EXPENSES"). Tenant's Electric Share shall be equal to a
                  fraction. The numerator of the fraction is the rentable square
                  foot area of the Premises. The denominator of the fraction is
                  of the net rentable square foot office area of the Building
                  excluding (1) those leasable spaces as to which the tenants'
                  electricity usage is billed by the provider directly to the
                  tenants of the spaces; and (2) those leasable spaces for which
                  the tenants' electricity usage is measured by submeters and
                  the periodic electricity charge for the area is based on the
                  usage for the period as indicated by the submeters. The
                  fraction that is Tenant's Electric Share may change annually
                  or otherwise from time to time during the Term and shall be
                  adjusted in the event the numerator or the denominator of the
                  fraction changes.

         3.9      DELETION OF SECTION 4.3 OF THE LEASE.

         Section 4.3 of the Lease is hereby deleted in its entirety from the
Lease.

         3.10     AMENDMENT OF SECTION 6.1 OF THE LEASE.

         The final paragraph of Section 6.1, which was added by the First
Amendment, is hereby deleted in its entirety from the Lease.

         3.11     AMENDMENT TO ARTICLE 34 OF THE LEASE.

         The parties acknowledge and agree that, due to the extensions of the
Term effected by the Third Amendment and by this Amendment, the First Extension
Option contained in Article 34 of the Lease shall no longer to be available to
Tenant at the end of the initial term of the Lease and that, instead, the Second
Extension Option shall be available to Tenant immediately following the end of
the Initial Term, on all the terms and subject to all the conditions set forth
in Article 34. Accordingly, Article 34 shall be construed as if the First
Extension Option had been properly exercised by the execution of this

                                     - 4 -
<PAGE>   5
Amendment.

                  The clarification stated in the Third Amendment is superseded
by this Section 3.10 of this Amendment.

         3.12     ADDITION OF ARTICLE 38 TO THE LEASE.

                        ARTICLE 38 - RIGHT OF FIRST OFFER

                           Section 38.1 Right of First Offer

                                    (a) Following the Commencement Date, Tenant
                  shall have the right of first offer to lease (the "FIRST OFFER
                  OPTION") any space on the 11th floor of the Building other
                  than the Premises (the "FIRST OFFER SPACE") that Landlord
                  desires to offer for lease.

                                    (b) In the event that, at any time
                  subsequent to the Commencement Date, Landlord determines that:

                                            (i) the First Offer Space is or
                                    shall become available for lease to third
                                    parties, and

                                            (ii) all other then existing tenants
                                    of the Building with first offer, first
                                    refusal, or expansion rights with regard to
                                    such First Offer Space elect not to exercise
                                    such rights, and

                                            (iii) Tenant has not assigned all or
                                    any portion of the Lease or interest in the
                                    Lease or sublet all or any portion of the
                                    Premises, and

                                            (iv) there exists no Event of
                                    Default under this Lease;

                  Landlord shall give Tenant written notice (the "FIRST OFFER
                  NOTICE") of such availability and the date any existing tenant
                  or occupant is expected to vacate any First Offer Space and
                  such other information as is required by subsection (c)
                  hereof; provided, however, Tenant acknowledges that the
                  availability of any such First Offer Space shall be subject to
                  the condition that any then existing tenant or occupant of
                  such First Offer Space vacate such First Offer Space.

                           (c) The First Offer Notice will include the basic
                  economic terms, including but not limited to Landlord's
                  determination of the annual base rent, additional rent,
                  proportionate share of Project Expenses, the lease term, and
                  the tenant improvement allowance, if any (collectively, the
                  "ECONOMIC TERMS") upon which Landlord is willing to lease the
                  First Offer Space to Tenant or to a third party, and shall
                  identify the available space,

                                     - 5 -
<PAGE>   6
                  date of availability, and proposed rent commencement date.

                           (d) If Tenant elects to exercise its First Offer
                  Option, it shall do so by delivering written notice to
                  Landlord within thirty (30) days immediately following
                  Landlord's delivery of the First Offer Notice that it
                  unconditionally accepts the Economic Terms and other terms in
                  the First Offer Notice (the "TENANT'S EXERCISE NOTICE"),
                  except that the lease term with respect to the First Offer
                  Space shall be determined as follows:

                                    (i) If the First Offer Notice is given when
                  more than three years remain in the Term and Tenant accepts
                  the terms in the First Offer Notice by giving the Tenant's
                  Exercise Notice, the lease term for the First Offer Space
                  shall be co-terminous with the Term and subject to the
                  Extension Option provided under Article 34;

                                    (ii) If the First Offer Notice is given when
                  less than three years remain in the Term and the Second
                  Extension Option is available to Tenant under Article 34 and
                  Tenant accepts the terms in the First Offer Notice by giving
                  the Tenant's Exercise Notice, Tenant shall be deemed to have
                  agreed to extend the Term of this Lease pursuant to the
                  Extension Option under Article 34, and the lease term for the
                  First Offer Space shall be co-terminous with the Term as so
                  extended; and

                                    (iii) If the First Offer Notice is given
                  when less than three years remain in the Term and the Second
                  Extension Option is no longer available to Tenant under
                  Article 34 and Tenant accepts the terms in the First Offer
                  Notice by giving the Tenant's Exercise Notice, the lease term
                  for the First Offer Space shall be co-terminous with the Term.

                           Section 38.2 Lease Amendment

                           Tenant shall enter into a lease amendment with
                  Landlord within twenty (20) days immediately following
                  delivery of Tenant's Exercise Notice in accordance with this
                  Article 38, and, Tenant shall be obligated to start paying
                  rent for the First Offer Space on the earlier of the date
                  Tenant occupies the First Offer Space for its ordinary
                  business purposes or the date that is one hundred twenty (120)
                  days after the date the First Offer Notice was given. The
                  parties agree that the lease amendment shall not change the
                  provisions of this Lease except to the extent that the terms
                  of the First Offer Notice would necessitate changes.

                       Section 38.3 No Further Obligation

                           In the event that Tenant fails to exercise the First
                  Offer Option by giving the Tenant's Exercise Notice or, having
                  given the Tenant's Exercise Notice, Tenant fails to enter into
                  a lease amendment, in accordance with the terms and conditions
                  hereof: (i) Landlord shall thereafter have no further
                  obligation to offer, negotiate, or lease the space identified
                  in the First Offer

                                     - 6 -
<PAGE>   7
                  Notice to Tenant; and (ii) Landlord shall thereafter have the
                  right to lease (without limitation as to rentable square
                  footage) such First Offer Space to other tenants and
                  prospective tenants without such rights being subject to
                  Tenant's First Offer Option.

         3.12     DELETION OF EXHIBIT D-1

         Exhibit D-1, the Expansion Space C Work Letter Agreement, which was
added to the Lease by the First Amendment, is hereby deleted from the Lease. The
parties agree that the Expansion Space C Work Letter Agreement is terminated and
of no further force or effect and that neither party shall have any rights or
obligations arising thereunder. All references in the Lease to Exhibit D-1 are
hereby deleted.

SECTION IV.       BROKERS.

         Each party covenants, warrants and represents that it has not dealt
with any real estate broker or salesman in the finding, negotiation or execution
of this instrument. Each party agrees to indemnify and hold the other party
harmless against any and all claims for any brokerage commissions and/or any
finder's fee and all costs, expenses and liabilities in connection therewith,
including without limitation, attorneys' fees, court costs and expenses, arising
out of any dealings or negotiations the indemnifying party had with any broker
and/or finder in the finding, negotiation or execution of this instrument.

SECTION V.        GENERAL CLAUSES.

         5.1 Except as modified by this instrument, Landlord and Tenant ratify
and confirm the terms of this Lease.

         5.2 Terms defined in the Lease shall have the same meaning in this
instrument as in the Lease unless redefined in this instrument.

         5.3 The Lease and this instrument are binding on Landlord and Tenant
and their respective heirs, successors and assigns.

         5.4 Tenant's obligation to pay amounts due and owing prior to
termination or expiration of the Lease shall survive such termination or
expiration.

         5.5 The word "includes" means "includes without limitation". The word
"include" means "include without limitation". The word "any" means "any and
all". The word "until" means "unless and until".

                                     - 7 -
<PAGE>   8
         IN WITNESS WHEREOF, the parties hereto have executed this Amendment as
of April 1, 2000.

Witnessed by:

                            LANDLORD:

                            CAMBRIDGE ONE COMMERCIAL PLAZA, LLC

                                 By:  One Commercial Management, LLC,
                                      Its Managing Member

                                      By:  Levstone Commercial Management Corp.,
                                             Its Managing Member

                                             By    /s/ Mark R. Stone
                                                   -----------------------------
                                             Name:     Mark R. Stone
                                             Title:    Vice President

                            TENANT:

                            FIRST INTERNATIONAL BANK

                            By:    /s/ Shaun P. Williams
                                   ----------------------------
                                Name:  Shaun P. Williams
                                Title: Executive Vice President

                                     - 8 -<PAGE>   1
Exhibit 10.13.2

                               AMENDMENT NO. 2 TO
                            AMENDED AND RESTATED LOAN
                        PURCHASE AND SERVICING AGREEMENT

         THIS AMENDMENT NO. 2 TO AMENDED AND RESTATED LOAN PURCHASE AND
SERVICING AGREEMENT, dated as of May 15, 2000 (this "Amendment"), is entered
into by and among FNBNE FUNDING CORP., as the Seller, FIRST INTERNATIONAL BANK
(f/k/a First National Bank of New England), certain INVESTORS, VARIABLE FUNDING
CAPITAL CORPORATION ("VFCC"), as a Purchaser, FIRST UNION SECURITIES, INC.
(successor-in-interest to First Union Capital Markets Corp.), as the Deal Agent,
FIRST UNION NATIONAL BANK, as the Liquidity Agent, and HSBC BANK USA, as the
Collateral Custodian and Backup Servicer. Capitalized terms used but not
otherwise defined herein shall have the meanings given to such terms in the
Agreement (as defined below).

         WHEREAS, the parties hereto entered into that certain Amended and
Restated Loan Purchase and Servicing Agreement, dated as of September 24, 1999,
as amended by Amendment No. 1, dated as of November 23, 1999 (the "Agreement");

         WHEREAS, the parties hereto desire to amend the Agreement in certain
respects as provided herein;

         NOW, THEREFORE, in consideration of the premises and other mutual
covenants contained herein, the parties hereto agree as follows:

         SECTION 1. AMENDMENTS.

         (a) The definition of "Aggregate Outstanding Loan Balance" set forth in
Section 1.1 of the Agreement is hereby amended and restated as follows:

                  "Aggregate Outstanding Loan Balance: As of any date of
                  determination, the sum of the Outstanding Loan Balances of all
                  Eligible Loans included as part of the Asset Pool on such
                  date; provided, however, that for purposes of determining the
                  Capital Limit, the Aggregate Outstanding Loan Balance shall
                  not include the Outstanding Loan Balances of Defaulted Loans
                  and Charged-Off Loans."

         (b) The definition of "AIG 2 Loans" set forth in Section 1.1 of the
Agreement is hereby amended and restated as follows:

                  "AIG 2 Loans: Loans to an Obligor that are Inventory Buyer
                  Program Loans or Equipment Buyer Program Loans, a portion of
                  the Outstanding Loan Balance of
<PAGE>   2
                  which is insured by the AIG Policy 2; provided, however, that
                  no AIG 2 Loan shall have an Outstanding Loan Balance in excess
                  of $500,000."

         (c) The definition of "AIG Loan" set forth in Section 1.1 of the
Agreement is hereby amended and restated as follows:

                  "AIG Loan: A Loan to an Obligor that is a short term import
                  loan, with a term of 360 days or less and with interest and
                  principal payable at maturity, a portion of the Outstanding
                  Loan Balance of which is insured by the AIG Policy; provided,
                  however, that no AIG Loan shall have an Outstanding Loan
                  Balance in excess of $500,000.

         (d) The following definition of "Argentinian Loan" is hereby added to
Section 1.1 of the Agreement as follows:

                  "Argentinian Loan: A Loan either (i) secured by collateral
                  located in Argentina or (ii) to an Obligor whose principal
                  place of business is located in Argentina."

         (e) The following definition of "Brazilian Loan" is hereby added to
Section 1.1 of the Agreement as follows:

                  "Brazilian Loan: A Loan either (i) secured by collateral
                  located in Brazil or (ii) to an Obligor whose principal place
                  of business is located in Brazil."

         (f) Section 2.7(a)(J) of the Agreement is hereby amended and restated
in its entirety as follows:

                  "(J) TENTH, so long as (a) any AIG Loans or AIG 2 Loans in the
                  Asset Pool are outstanding and (b) the Average Default Ratio
                  has not been less than 4.0% for three (3) consecutive
                  Collection Periods, to the Cash Collateral Account, to the
                  extent that the balance in such account is less than the
                  greater of (i) $2,000,000 or (ii) the lesser of (A) an amount
                  sufficient to cover the deductible amount of the AIG Policy
                  and/or AIG Policy 2 or (B) the sum of the Outstanding Loan
                  Balance of all AIG Loans and AIG 2 Loans in the Asset Pool on
                  such Payment Date;"

         (g) Section 5.2(t)(iv) of the Agreement is hereby amended and restated
in its entirety as follows:

                  "(iv) the greater of (x) $2,000,000 or (y) amounts sufficient
                  to cover the deductible amount of the AIG Policy or AIG Policy
                  2 will be on deposit in the Cash Collateral Account; provided,
                  however, that if the Average Default Ratio is less than 4.0%
                  for three (3) consecutive Collection Periods, the amount in
                  clause (x) shall be (a) $0 if no AIG Loans or AIG 2 Loans in
                  the Asset Pool are outstanding or (b) an amount sufficient to
                  cover the deductible amount of the AIG Policy and/or AIG
                  Policy 2 if any AIG Loans or AIG 2 Loans in the Asset Pool are
                  outstanding."
<PAGE>   3
         (h) Section 6.4(g) of the Agreement is hereby amended and restated in
its entirety as follows:

                  "(g) Establishment and Maintenance of the Cash Collateral
                  Account. For so long as any AIG Loans or AIG 2 Loans in the
                  Asset Pool are outstanding and the Average Default Ratio has
                  not been less than 4.0% for three (3) consecutive Collection
                  Periods, the Servicer shall cause to be established and
                  maintained in the name of the Deal Agent, with a "Qualified
                  Institution" (as defined in subsection (f) above) the Cash
                  Collateral Account (the "Cash Collateral Account") with a
                  minimum of $2,000,000 to be held in such account."

         (i) Section 7.1(n) of the Agreement is hereby amended and restated in
its entirety as follows:

                  "(n) (i) as of the Determination Dates occurring on April 30,
                  2000 and May 31, 2000, the Average Default Ratio is greater
                  than 9.25%, (ii) as of the Determination Date on June 30,
                  2000, the Average Default Ratio is greater than 8.0%, (iii) as
                  of the Determination Date occurring on July 31, 2000, the
                  Average Default Ratio is greater than 5.0% or (iv) as of any
                  Determination Date occurring after July 31, 2000, the Average
                  Default Ratio is greater than 4.0%; or"

         (j) Section 7.1 of the Agreement is hereby amended by adding the
following new subsection (v):

                  "(v) for the Determination Date on June 30, 2000, the Default
                  Ratio is greater than 3.5%."

         (k) Schedule II of the Agreement is hereby amended by adding the
following:

                  "AIG Loans and AIG 2 Loans. The sum of the Outstanding Loan
                  Balance of all AIG Loans and AIG 2 Loans is no more than 42.5%
                  of the outstanding Capital through the June, 2000 Collection
                  Period and no more than 35% of the outstanding Capital for
                  Collection Periods thereafter.

                  "Argentinian Loans and Brazilian Loans: After May __, 2000, no
                  Argentinian Loans or Brazilian Loans may be added to the Asset
                  Pool.

         SECTION 2. AGREEMENT IN FULL FORCE AND EFFECT AS AMENDED. Except as
specifically amended hereby, the Agreement shall remain in full force and
effect. All references to the Agreement shall be deemed to mean the Agreement as
modified hereby. This Amendment shall not constitute a novation of the
Agreement, but shall constitute an amendment thereof. The parties hereto agree
to be bound by the terms and conditions of the Agreement, as amended by this
Amendment, as though such terms and conditions were set forth herein.
<PAGE>   4
         SECTION 3. REPRESENTATIONS. Each of the Seller and Servicer represent
and warrant as of the date of this Amendment as follows:

                  (i) it is duly incorporated or organized, validly existing and
         in good standing under the laws of its jurisdiction of incorporation or
         organization;

                  (ii) the execution, delivery and performance by it of this
         Amendment are within its powers, have been duly authorized, and do not
         contravene (A) its charter, by-laws, or other organizational documents,
         or (B) any Requirements of Law applicable to it;

                  (iii) no consent, license, permit, approval or authorization
         of, or registration, filing or declaration with any governmental
         authority, is required in connection with the execution, delivery,
         performance, validity or enforceability of this Amendment by or against
         it;

                  (iv) this Amendment has been duly executed and delivered by
         it;

                  (v) this Amendment constitutes its legal, valid and binding
         obligation enforceable against it in accordance with its terms, except
         as enforceability may be limited by applicable bankruptcy, insolvency,
         reorganization, moratorium or similar laws affecting the enforcement of
         creditors' rights generally or by general principles of equity;

                  (vi) it is not in default under the Agreement; and

                  (vii) there is no Early Amortization Event, Servicer
         Termination Event or event that, with the giving of notice or the lapse
         of time, or both, would become an Early Amortization Event or Servicer
         Termination Event.

                  (viii) the Seller certifies by execution hereof that this
         Amendment will not jeopardize its status as a qualifying special
         purpose entity under FASB 125 Statement, as amended and interpreted.

         SECTION 4. CONDITION PRECEDENT. The effectiveness of this Amendment is
subject to the delivery to the Deal Agent of a copy of the Amendment, duly
executed by each of the parties hereto.

         SECTION 5. MISCELLANEOUS.

         (a) This Amendment may be executed in any number of counterparts
(including by facsimile), and by the different parties hereto on the same or
separate counterparts, each of which shall be deemed to be an original
instrument but all of which together shall constitute one and the same
agreement.
<PAGE>   5
         (b) The descriptive headings of the various sections of this Amendment
are inserted for convenience of reference only and shall not be deemed to affect
the meaning or construction of any of the provisions hereof.

         (c) This Amendment may not be amended or otherwise modified except as
provided in the Agreement.

         (d) First Union certifies by execution hereof that it is an Investor
with Commitments in excess of 66-2/3% of the Purchase Limit, and therefore is a
Required Investor pursuant to the Agreement.

         (e) The Seller certifies by execution hereof that this Amendment will
not jeopardize its status as a qualifying special purpose entity under FASB 125
Statement, as amended and interpreted.

         (f) The failure or unenforceability of any provision hereof shall not
affect the other provisions of this Amendment.

         (g) Whenever the context and construction so require, all words used in
the singular number herein shall be deemed to have been used in the plural, and
vice versa, and the masculine gender shall include the feminine and neuter and
the neuter shall include the masculine and feminine.

         (h) This Amendment represents the final agreement between the parties
and may not be contradicted by evidence of prior, contemporaneous or subsequent
oral agreements between the parties. There are no unwritten oral agreements
between the parties.

         (i) THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES UNDER
THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED AND INTERPRETED IN ACCORDANCE
WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO ITS CONFLICT OF LAWS
PROVISIONS.

                  [Remainder of Page Intentionally Left Blank]
<PAGE>   6
         IN WITNESS WHEREOF, the parties have caused this Amendment to be
executed by their respective officers thereunto duly authorized, as of the date
first above written.

THE SELLER:                    FNBNE FUNDING CORP.

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

THE SERVICER:                  FIRST INTERNATIONAL BANK
                               (f/k/a First National Bank of England)

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

THE REQUIRED INVESTORS:        FIRST UNION NATIONAL BANK

                               By:     /s/ David M. Roberts
                                       --------------------------------
                               Name:   David M. Roberts
                                       --------------------------------
                               Title:  Senior Vice President
                                       --------------------------------

                               Commitment:  $95,000,000

                               First Union National Bank
                               One First Union Center, TW-9
                               Charlotte, North Carolina  28288
                               Attention:  Capital Markets Credit Administration
                               Facsimile:  (704) 374-3254
                               Telephone:  (704) 374-4001
<PAGE>   7
VFCC:                          VARIABLE FUNDING CAPITAL CORPORATION

                               By First Union Securities, Inc.
                               (successor-in-interest to
                               First Union Capital Markets Corp.)

                               By:     /s/ Paul S. Zajac
                                       --------------------------------
                               Name:   Paul S. Zajac
                                       --------------------------------
                               Title:  Vice President
                                       --------------------------------

                               First Union Securities, Inc.
                               One First Union Center, TW-9
                               Charlotte, North Carolina  28288
                               Attention:  Conduit Administration
                               Facsimile:  (704) 383-6036
                               Telephone:  (704) 383-9343

With a copy to:                Lord Securities Corp.
                               2 Wall Street, 19th Floor
                               New York, New York 10005
                               Attention: Vice President
                               Facsimile:  (212) 346-9012
                               Confirmation No.: (212) 346-9008

THE DEAL AGENT:                FIRST UNION SECURITIES, INC.
                               (successor-in-interest First Union
                               Capital Markets Corp.)

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

                               First Union Securities, Inc.
                               One First Union Center, TW-9
                               Charlotte, North Carolina  28288
                               Attention:  Conduit Administration
                               Facsimile:  (704) 383-6036
                               Telephone:  (704) 383-9343
<PAGE>   8
THE HEDGE COUNTERPARTY:        FIRST UNION NATIONAL BANK

                               By:     /s/ David M. Roberts
                                       --------------------------------
                               Name:   David M. Roberts
                                       --------------------------------
                               Title:  Senior Vice President
                                       --------------------------------

                               First Union National Bank
                               One First Union Center, TW-9
                               Charlotte, North Carolina  28288
                               Attention:  Capital Markets Credit Administration
                               Facsimile:  (704) 374-3254
                               Telephone:  (704) 374-4001

THE LIQUIDITY AGENT:           FIRST UNION NATIONAL BANK

                               By:     /s/ David M. Roberts
                                       --------------------------------
                               Name:   David M. Roberts
                                       --------------------------------
                               Title:  Senior Vice President
                                       --------------------------------

                               First Union National Bank
                               One First Union Center, TW-9
                               Charlotte, North Carolina  28288
                               Attention:  Capital Markets Credit Administration
                               Facsimile:  (704) 374-3254
                               Telephone:  (704) 374-4001
<PAGE>   9
THE COLLATERAL CUSTODIAN:      HSBC BANK USA

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

                               HSBC Bank USA
                               140 Broadway
                               Corporate Trust Department, 12th Floor
                               New York, New York  10005
                               Attention:  Susan Barstock
                               Facsimile:  (212) 658-6425

THE BACKUP SERVICER:           HSBC BANK USA

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

                               HSBC Bank USA
                               140 Broadway
                               Corporate Trust Department, 12th Floor
                               New York, New York  10005
                               Attention:  Susan Barstock
                               Facsimile:  (212) 658-6425

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00022-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00022-of-00352.parquet"}]]