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                                                                     EXHIBIT 4.2

                 AMENDMENT NO. 1 TO SECOND AMENDED AND RESTATED
                     MASTER POOLING AND SERVICING AGREEMENT

                        (FNANB CREDIT CARD MASTER TRUST)

            AMENDMENT NO. 1 TO SECOND AMENDED AND RESTATED MASTER POOLING AND
SERVICING AGREEMENT, dated as of September 16, 2004 (this "Amendment"), among
FLEET BANK (RI), NATIONAL ASSOCIATION, a national banking association, as
Transferor (in such capacity, the "Transferor") and as Servicer (in such
capacity, the "Servicer"), and JPMORGAN CHASE BANK, a New York banking
corporation and successor trustee to First Union National Bank, as Trustee (in
such capacity, the "Trustee").

                             PRELIMINARY STATEMENTS

            WHEREAS, the Transferor, the Servicer and the Trustee are parties to
a Second Amended and Restated Master Pooling and Servicing Agreement dated as of
November 18, 2003, as amended (the "Agreement"); and

            WHEREAS, the parties hereto desire to amend the Agreement as set
forth herein;

            NOW, THEREFORE, in consideration of the mutual agreements contained
herein, each party agrees as follows for the benefit of the other parties and
for the benefit of the Certificateholders:

            Section 1. Definitions. All terms used in the Preliminary Statements
or elsewhere in this Amendment that are defined in the Agreement have the
meanings assigned to them therein, except to the extent such terms are amended
or modified in this Amendment.

            Section 2. Amendment of Section 12.5. Subsection (c)(i) of the
Agreement shall be and hereby is amended by deleting the parenthetical provision
"(such deposit to be made from other than the Transferor's funds)" from such
subsection.

            Section 3. Incorporation of Agreement. The Agreement as amended by
this Amendment is hereby incorporated by reference and forms a part of this
instrument with the same force and effect as if set forth in full herein. In the
event that any term or provision contained herein shall conflict or be
inconsistent with any term or provision contained in the Agreement, the terms
and provisions of this Amendment shall govern. After the date hereof, any
reference to the Agreement shall mean the Agreement as amended by this
Amendment.

            Section 4. Ratification of the Agreement. As amended by this
Amendment, the Agreement is in all respects ratified and confirmed, and the
Agreement and this Amendment shall be read, taken and construed as one and the
same instrument.
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            Section 5. Counterparts. This Amendment may be executed in two or
more counterparts (and by different parties on separate counterparts), each of
which shall be an original, but all of which together 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 NEW YORK, WITHOUT REFERENCE TO ITS
CONFLICT OF LAW PROVISIONS (OTHER THAN SECTION 5-1401 OF THE GENERAL OBLIGATIONS
LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE
DETERMINED IN ACCORDANCE WITH SUCH LAWS.

                                      -2-
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            IN WITNESS WHEREOF, the Transferor, the Servicer and the Trustee
have caused this Amendment to be duly executed by their respective officers as
of the day and year first above written.

                                   FLEET BANK (RI), NATIONAL ASSOCIATION,
                                      as Transferor and Servicer

                                   By: /s/ Henry W. Fulton, III
                                      ________________________________
                                         Name:  Henry W. Fulton, III
                                         Title: President

                                   JPMORGAN CHASE BANK,
                                       as Trustee

                                   By: /s/ Daniel C. Brown, Jr.
                                      ________________________________
                                        Name:  Daniel C. Brown, Jr.
                                        Title: Vice President

Consent to Amendment No. 1

Ambac Assurance Corporation as Enhancement Provider with respect to all
outstanding Series hereby consents to this Amendment No. 1.

                                   AMBAC ASSURANCE CORPORATION

                                   By:  /s/ Aaron T. Pisacane
                                        _______________________________
                                         Name:  Aaron T. Pisacane
                                         Title: Vice President<PAGE>

                                                                     EXHIBIT 4.3

                          FIFTH SUPPLEMENTAL INDENTURE
                                       TO
                                MASTER INDENTURE

            FIFTH SUPPLEMENTAL INDENTURE TO MASTER INDENTURE, dated as of
September 16, 2004 (this "Supplemental Indenture"), between FNANB CREDIT CARD
MASTER NOTE TRUST, a statutory trust organized and existing under the laws of
the State of Delaware (the "Issuer"), and JPMORGAN CHASE BANK, a bank organized
and existing under the laws of the State of New York ("JPMorgan"), not in its
individual capacity, but solely as Indenture Trustee (together with its
successors in the trusts thereunder as provided in the Master Indenture referred
to below, the "Indenture Trustee").

                             PRELIMINARY STATEMENTS

            WHEREAS, the Issuer and the Indenture Trustee are parties to a
Master Indenture dated as of July 1, 2002 (as supplemented, the "Master
Indenture") relating to the issuance of asset backed notes by the FNANB Credit
Card Master Note Trust; and

            WHEREAS, the Issuer and the Indenture Trustee are entering into this
Supplemental Indenture to amend the Master Indenture as set forth herein;

            NOW, THEREFORE, in consideration of the mutual agreements contained
herein, the Issuer and the Indenture Trustee agree as follows:

            Section 1. Definitions. All terms used in the Preliminary Statements
or elsewhere in this Supplemental Indenture that are defined in the Master
Indenture have the meanings assigned to them therein, except to the extent such
terms are amended or modified in this Supplemental Indenture.

            Section 2. Amendment of Section 4.3. Section 4.3 subsection (c)(i)
of the Master Indenture shall be and hereby is amended by deleting the
parenthetical provision "(such deposit to be made from other than the
Transferor's funds)" from such subsection.

            Section 3. Incorporation of Master Indenture. The Master Indenture
as amended by this Supplemental Indenture is hereby incorporated by reference
and forms a part of this instrument with the same force and effect as if set
forth in full herein. In the event that any term or provision contained herein
shall conflict or be inconsistent with any term or provision contained in the
Master Indenture, the terms and provisions of this Supplemental Indenture shall
govern. After the date hereof, any reference to the Master Indenture shall mean
the Master Indenture as amended by this Supplemental Indenture.
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            Section 4. Ratification of Master Indenture. As amended by this
Supplemental Indenture, the Master Indenture is in all respects ratified and
confirmed, and the Master Indenture and this Supplemental Indenture shall be
read, taken and construed as one and the same instrument.

            Section 5. Counterparts. This Supplemental Indenture may be executed
in two or more counterparts (and by different parties on separate counterparts),
each of which shall be an original, but all of which together shall constitute
one and the same instrument.

            Section 6. Governing Law. THIS SUPPLEMENTAL INDENTURE SHALL BE
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT
REFERENCE TO ITS CONFLICT OF LAW PROVISIONS (OTHER THAN SECTION 5-1401 OF THE
GENERAL OBLIGATIONS LAW), AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE
PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

                                       2
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            IN WITNESS WHEREOF, the Issuer and the Indenture Trustee have caused
this Supplemental Indenture to be duly executed by their respective officers as
of the day and year first above written.

                                  FNANB CREDIT CARD MASTER NOTE TRUST,
                                  as Issuer

                                  By: WILMINGTON TRUST COMPANY,
                                  not in its individual capacity but solely as
                                  Owner Trustee

                                  By: /s/ Janel R. Havrilla
                                      ______________________________
                                       Name:  Janel R. Havrilla
                                       Title: Financial Services Officer

                                  JPMORGAN CHASE BANK,
                                  not in its individual capacity but solely as
                                  Indenture Trustee

                                  By: /s/ Daniel C. Brown, Jr.
                                      ______________________________
                                       Name:  Daniel C. Brown, Jr.
                                       Title: Vice President

Acknowledged and Accepted:

FLEET BANK (RI), NATIONAL ASSOCIATION,
as Transferor and as Servicer

By: /s/ Henry W. Fulton, III
    ________________________________
     Name:  Henry W. Fulton, III
     Title: President

Consent Enhancement Provider:

AMBAC ASSURANCE CORPORATION,
as Enhancement Provider with respect to
all outstanding Series hereby consent to
this Supplemental Indenture.

AMBAC ASSURANCE CORPORATION

By: /s/ Aaron T. Pisacane
    _______________________________
     Name:  Aaron T. Pisacane
     Title: Vice President

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