Document:

Exhibit 10.02

                             AMENDMENT NO. 1 TO THE
                        POOLING AND SERVICING AGREEMENT

     THIS AMENDMENT NO. 1 (this  "Amendment")  is made as of September 12, 1995,
by and among Navistar Financial Securities  Corporation,  a Delaware corporation
("NFSC"),  Navistar Financial  Corporation,  a Delaware corporation ("NFC"), and
The Bank of New York,  as Master Trust  Trustee (the  "Master  Trust  Trustee").
NFSC, as Seller, NFC, as Servicer, Chemical Bank, as 1990 Trust Trustee, and the
Master Trust Trustee are parties to a Pooling and Servicing Agreement,  dated as
of June 8, 1995 (the  "Pooling and  Servicing  Agreement").

In order to clarify
that the Seller  maintains  an  interest  in the Master  Trust prior to the 1990
Trust  Termination  Date and  pursuant  to Section  13.01(a)  of the Pooling and
Servicing Agreement,  the Seller, the Servicer and the Master Trust Trustee have
agreed to amend the  Pooling  and  Servicing  Agreement  in the manner set forth
herein.  Capitalized  terms  used  herein  but not  otherwise  defined  have the
meanings set forth in the Pooling and Servicing Agreement.

          1.  Amendment.  The definition of "Master Trust Seller's  Interest" in
          Section 1.01 of the Pooling and Servicing  Agreement is hereby amended
          and restated to read in its entirety as follows:

          "Master  Trust  Seller's  Interest"  shall mean,  with  respect to any
          Business Day prior to the 1990 Trust Termination Date, the interest of
          the Seller in the Master  Trust,  and with respect to any Business Day
          after the 1990  Trust  Termination  Date,  shall  equal the  aggregate
          principal  amount of Dealer Notes,  plus the aggregate amount of funds
          on deposit in the Excess Funding Account, plus the aggregate amount of
          funds on deposit in all Series  Principal  Accounts  (and funds  being
          held for deposit  therein),  each as of such Business  Day,  minus the
          Trust Invested Amount on such Business Day (or as of the  Distribution
          Date on or immediately preceding such Business Day).

          2. Miscellaneous. This Amendment shall be construed in accordance with
          the internal laws of the State of Illinois,  without  reference to its
          conflict of law provisions,  except that the  obligations,  rights and
          remedies of the Master Trust Trustee shall be determined in accordance
          with the  internal  laws of the State of New York,  without  regard to
          conflict of law  provisions.  This Amendment may be executed in two or
          more  counterparts,  each of which  shall be an  original,  but all of
          which together constitute one and the same instrument.  The provisions
          of this Amendment  shall be deemed to be  incorporated  in, and made a
          part of, the  Pooling  and  Servicing  Agreement;  and the Pooling and
          Servicing  Agreement,  as  amended by this  Amendment,  shall be read,
          taken and construed as one and the same instrument. Promptly after the
          execution of this  Amendment  the Master Trust  Trustee  shall furnish
          written  notification  of the  substance  of  this  Amendment  to each
          Investor Certificateholder.

          IN WITNESS WHEREOF,  the parties hereto have caused this Amendment No.
          1 to the Pooling and Servicing  Agreement to be duly executed by their
          respective officers as of the date first written above.

                                    NAVISTAR FINANCIAL SECURITIES CORPORATION
                                              as Seller

                                     By:  ______________________________________

                                    Its:  ______________________________________

                                      NAVISTAR FINANCIAL CORPORATION
                                              as Servicer

                                     By:  ______________________________________

                                    Its:  ______________________________________

                                     THE BANK OF NEW YORK
                                              as Master Trust Trustee

                                     By:  ______________________________________

                                    Its:  ______________________________________Exhibit 10.03

                                    AMENDMENT NO. 2 TO THE
                               POOLING AND SERVICING AGREEMENT

     THIS  AMENDMENT NO. 2 (this  "Amendment")  is made as of March 27, 1996, by
and among Navistar  Financial  Securities  Corporation,  a Delaware  corporation
("NFSC"),  Navistar Financial  Corporation,  a Delaware corporation ("NFC"), and
The Bank of New York, as Master Trust Trustee (the "Master Trust Trustee").

     NFSC, as Seller,  NFC, as Servicer,  Chemical  Bank, as 1990 Trust Trustee,
and the Master Trust Trustee are parties to a Pooling and  Servicing  Agreement,
dated as of June 8, 1995,  and amended by Amendment  No. 1 dated as of September
12, 1995 (as amended,  the "Pooling and Servicing  Agreement").  In order to (i)
include  with the  definition  of an  Eligible  Dealer  Note a Dealer Note which
finances any used medium or heavy-duty  truck, bus or trailer,  (ii) ensure that
the Master Trust  Trustee has  sufficient  funds to pay Monthly  Interest to the
Series 1995-1  Certificateholders  and (iii) provide a mechanism for funds owing
to the Seller to be paid to the Seller,  the Seller, the Servicer and the Master
Trust  Trustee have agreed to amend the Pooling and  Servicing  Agreement in the
manner set forth herein. Capitalized terms used herein but not otherwise defined
have the meanings set forth in the Pooling and Servicing Agreement.

     1.  Amendment to Section  1.01.  Section 1.01 of the Pooling and  Servicing
Agreement is hereby amended as follows:

          1.1  The  following   definition  is  added   immediately   after  the
               definition of "1990 Trust Agreement":

               '"1990  Trust  Excess   Servicing   Amounts"  means  the  amounts
               specified in Sections 4.03(d)(i)(D), 4.03(d)(i)(F), 4.03(e)(i)(D)
               and  4.03(e)(i)(J)  of the 1990 Trust Agreement as payable to the
               Seller,  the rights to receive such amounts  having been conveyed
               to the Master Trust pursuant to Section 2.01 of this Agreement.

          1.2  Clause (v) of the definition of "Eligible Dealer Note" is deleted
               in its entirety and replaced with the following:

               "(v)  which  finances a new medium or  heavy-duty  truck,  bus or
               trailer  produced by or for a member of the Navistar  Group or an
               OEM  Supplier  or a  used  medium  or  heavy-duty  truck,  bus or
               trailer."  2. Section  4.07.  The  following  new Section 4.07 is
               added to the Pooling and Servicing Agreement:

               "SECTION 4.07 Payments to Seller. Except as otherwise provided in
               this  Agreement or any  Supplement,  all payments  required to be
               made to the  Seller  or the  holder  of the 1990  Trust  Seller's
               Certificate  pursuant to the 1990 Trust  Agreement  (the right to
               receive such  payments  having been  conveyed to the Master Trust
               pursuant to Section 2.01 of this Agreement)  shall be paid to the
               Seller at the times specified in the 1990 Trust Agreement."

     3. Miscellaneous.  This Amendment shall be construed in accordance with the
internal laws of the State of Illinois, without reference to its conflict of law
provisions, except that the obligations, rights and remedies of the Master Trust
Trustee shall be determined in accordance with the internal laws of the State of
New York,  without regard to conflict of law  provisions.  This Amendment may be
executed in two or more  counterparts,  each of which shall be an original,  but
all of which together constitute one and the same instrument.  The provisions of
this Amendment  shall be deemed to be  incorporated  in, and made a part of, the
Pooling and Servicing  Agreement;  and the Pooling and Servicing  Agreement,  as
amended by this  Amendment,  shall be read,  taken and  construed as one and the
same instrument. Promptly after the execution of this Amendment the Master Trust
Trustee shall furnish written notification of the substance of this Amendment to
each Investor  Certificateholder.  IN WITNESS  WHEREOF,  the parties hereto have
caused this  Amendment No. 2 to the Pooling and  Servicing  Agreement to be duly
executed  by their  respective  officers  as of the date  first  written  above.
NAVISTAR FINANCIAL SECURITIES CORPORATION as Seller

                                    By:  ______________________________________

                                   Its:  ______________________________________

                                   NAVISTAR FINANCIAL CORPORATION
                                             as Servicer

                                    By:  ______________________________________

                                   Its:  ______________________________________

                                   THE BANK OF NEW YORK
                                             as Master Trust Trustee

                                    By:  ______________________________________

                                   Its:  ______________________________________Exhibit 10.04

                                    AMENDMENT NO. 3 TO THE
                               POOLING AND SERVICING AGREEMENT

               THIS  AMENDMENT  NO. 3 (this  "Amendment")  is made as of July 17, 1998, by and
among Navistar Financial Securities  Corporation,  a Delaware corporation  ("NFSC"),  Navistar
Financial  Corporation,  a Delaware  corporation  ("NFC"), and The Bank of New York, as Master
Trust Trustee (the "Master Trust Trustee").

               NFSC, as Seller, NFC, as Servicer,  The Chase Manhattan Bank (formerly known as
Chemical Bank),  as 1990 Trust Trustee,  and the Master Trust Trustee are parties to a Pooling
and Servicing  Agreement,  dated as of June 8, 1995,  and amended by Amendment No. 1, dated as
of September 12, 1995 and by Amendment No. 2,  dated March 27, 1996 (as amended,  the "Pooling
and  Servicing  Agreement").  In  order to (i)  include  within  the  definition  of  Eligible
Investments  certain  additional  investments  and (ii) change the  concentration  of Eligible
Investments  allowed in the Series Principal Account,  Excess Funding Account,  Negative Carry
Account and the  Liquidity  Reserve  Account,  the Seller,  the  Servicer and the Master Trust
Trustee  have  agreed to amend the  Pooling and  Servicing  Agreement  in the manner set forth
herein.  Capitalized  terms used herein but not otherwise  defined have the meanings set forth
in the Pooling and Servicing Agreement.

               1.     Amendment to Section 1.01.   The  definition  of "Eligible  Investments"
in Section 1.01 of the Pooling and Servicing  Agreement is hereby  deleted in its entirety and
replaced with the following:

               "Eligible Investments" shall mean

        (a)    book-entry  securities,  negotiable  instruments  or securities  represented by
        instruments  in bearer or registered  form having  (except in the case of clauses (iv)
        or (vii) below) remaining  maturities  occurring not later than the Distribution  Date
        next succeeding the Master Trust Trustee's  acquisition  thereof,  except as otherwise
        described herein or the related Supplement, that evidence:

                      (i)    direct  obligations  of, and obligations  fully  guaranteed as to
                      timely payment by, the United States of America;

                      (ii)   demand  deposits,  time deposits or  certificates  of deposit of,
                      or bankers'  acceptances issued by, any depository  institution or trust
                      company  incorporated  under the laws of the United States of America or
                      any  state  thereof  (or any  domestic  branch  of a  foreign  bank) and
                      subject to  supervision  and  examination by federal or state banking or
                      depository institution authorities;  provided, however, that at the time
                      of the Master  Trust's  investment or  contractual  commitment to invest
                      therein,  the  commercial  paper  or  other  short-term  unsecured  debt
                      obligations  (other than such  obligations  the rating of which is based
                      on  the  credit  of a  person  or  entity  other  than  such  depository
                      institution  or trust company) of such  depository  institution or trust
                      company   shall  have  a  credit  rating  not  lower  than  the  highest
                      investment  category for short term unsecured debt  obligations  granted
                      by the applicable  Rating Agency from each Rating Agency then Rating the
                      affected Series of Investor Certificates;

                      (iii)  commercial  paper  having,  at the  time  of the  Master  Trust's
                      investment or  contractual  commitment to invest  therein,  a rating not
                      lower than the  highest  investment  category  for short term  unsecured
                      debt  obligations  granted by the  applicable  Rating  Agency  from each
                      Rating Agency then Rating the affected Series of Investor Certificates;

                      (iv)   except during an Investment  Period,  investments in money market
                      funds or common  trust funds  having a rating not lower than the highest
                      investment  category for short term unsecured debt  obligations  granted
                      by the applicable  Rating Agency from each Rating Agency then Rating the
                      affected  Series of  Investor  Certificates  or  otherwise  approved  in
                      writing by each of such Rating Agencies  (including  funds for which the
                      Master  Trust  Trustee  or the  1990  Trust  Trustee  or  any  of  their
                      respective  affiliates is investment manager or advisor, so long as such
                      fund shall have such rating);

                      (v)    repurchase  obligations  (x) with respect to any security that is
                      a direct  obligation  of, or fully  guaranteed  by, the United States of
                      America or any agency or  instrumentality  thereof  the  obligations  of
                      which are backed by the full  faith and  credit of the United  States of
                      America,  in either case, entered into with a depository  institution or
                      trust company (acting as principal)  described in clause (ii) or (y) the
                      counterparty  for  which  has  a  rating  not  lower  than  the  highest
                      investment  category for short term unsecured debt  obligations  granted
                      by the applicable  Rating Agency from each Rating Agency then Rating the
                      affected  Series of Investor  Certificates,  the collateral for which is
                      held by a custodial  bank for the benefit of the Trust or the  Indenture
                      Trustee,  is marked to market daily and is  maintained in an amount that
                      exceeds the amounts of such  repurchase  obligation,  and which required
                      liquidation  of the  collateral  immediately  upon  the  amount  of such
                      collateral  being  less than the  amount of such  repurchase  obligation
                      (unless  the   counterparty   immediately   satisfies   the   repurchase
                      obligation upon being notified of such shortfall); or

                      (vi)  commercial  paper  master  notes where the issuer has, at the time
                      of the Master  Trust's  investment or  contractual  commitment to invest
                      therein,  a rating not lower than the highest  investment  category  for
                      short term unsecured debt obligations  granted by the applicable  Rating
                      Agency  from each  Rating  Agency  then  Rating the  affected  Series of
                      Investor Certificates; or

                      (vii) with respect to the Excess Funding Account only,  obligations of a
                      trust  (the  assets of which  consist  solely of  Investor  Certificates
                      issued  by  the  Master  Trust  and  of  one  or  more   liquidity  swap
                      arrangements for the benefit of investors in such trust) having,  at the
                      time of the Master  Trust's  investment  or  contractual  commitment  to
                      invest therein,  a rating not lower than the highest rating category for
                      short term unsecured debt obligations  granted by the applicable  Rating
                      Agency  from each  Rating  Agency  then  Rating the  affected  Series of
                      Investor Certificates; and

               (b) any other  investment  consisting  of a  financial  asset that by its terms
               converts  to cash  within a finite  period of time,  provided  that the  Rating
               Agency Condition is satisfied.

               Unless the Rating Agency Condition is satisfied,  Eligible Investments of funds
in the Series Principal Account,  Excess Funding Account,  Negative Carry Reserve Fund and the
Liquidity  Reserve Account will be subject to the following  additional  restrictions:  (x) no
more than the greater of (A) $1,000,000 and (B) 20% of the aggregate  Eligible  Investments in
all such accounts  collectively  shall be  obligations  of or investments in any single issuer
(except  that  such 20%  limitation  shall  not  apply  to  Eligible  Investments  of the type
specified  in  clause  (a)(i)  or,  with  respect  to the  Excess  Funding  Account,  Eligible
Investments  of the type  specified in clauses  (a)(iv) or  (a)(vii));  and (y) each  Eligible
Investment  shall be denominated  and be payable solely in U.S.  dollars,  shall bear interest
at a  specified  rate that is, or is based  upon,  LIBOR or a  commercial  paper  rate,  shall
entitle  the holder to a fixed  principal  amount at  maturity  and shall have a yield that is
not inversely or disproportionately affected by changes in interest rates.

               2.     Amendment  to  Section  4.02.  Clause  (b)(ii)  of  Section  4.02 of the
Pooling and Servicing Agreement is deleted in its entirety and replaced with the following:

                      "(ii)  Funds on deposit in the Excess Funding  Account  overnight or for
               a longer  period shall at all times be invested by the Master Trust  Trustee in
               Eligible  Investments at the direction of the Servicer or its agent, subject to
               the  restrictions  set forth  below and in Section  4.06.  Except as  otherwise
               permitted  by the Rating  Agencies  then rating the Investor  Certificates  and
               except for Eligible  Investments  of the type  specified in clause (vii) of the
               definition  of Eligible  Investments,  any Eligible  Investments  with a stated
               maturity  shall mature no later than the following  Transfer Date. Net interest
               and  earnings  (less  investment  expenses)  on funds on  deposit in the Excess
               Funding Account shall be included in the  calculation of Investment  Income for
               the relevant Due Period."

               3.     Miscellaneous.  This  Amendment  shall be construed in  accordance  with
the  internal  laws of the  State  of  Illinois,  without  reference  to its  conflict  of law
provisions,  except that the  obligations,  rights and  remedies of the Master  Trust  Trustee
shall be  determined in  accordance  with the internal laws of the State of New York,  without
regard  to  conflict  of law  provisions.  This  Amendment  may  be  executed  in two or  more
counterparts,  each of which shall be an original,  but all of which  together  constitute one
and  the  same   instrument.   The  provisions  of  this  Amendment  shall  be  deemed  to  be
incorporated  in, and made a part of, the Pooling  and  Servicing  Agreement;  and the Pooling
and Servicing Agreement,  as amended by this Amendment,  shall be read, taken and construed as
one and the same  instrument.  Promptly  after the  execution  of this  Amendment  the  Master
Trust Trustee shall furnish  written  notification  of the substance of this Amendment to each
Investor Certificateholder.

IN WITNESS  WHEREOF,  the parties  hereto have caused this  Amendment No. 3 to the Pooling and
Servicing  Agreement  to be duly  executed by their  respective  officers as of the date first
written above.

                                            NAVISTAR FINANCIAL SECURITIES CORPORATION
                                                   as Seller

                                            By:  ______________________________________

                                            Its: ______________________________________

                                            NAVISTAR FINANCIAL CORPORATION
                                                   as Servicer

                                            By:  ______________________________________

                                            Its: ______________________________________

                                            THE BANK OF NEW YORK
                                                   as Master Trust Trustee

                                            By:  ______________________________________

                                            Its: ______________________________________

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