Document:

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                                                                    EXHIBIT 10.1

                                                                [EXECUTION COPY]

                    INSTRUMENT OF RESIGNATION AND APPOINTMENT

                  INSTRUMENT OF RESIGNATION AND APPOINTMENT, dated as of
November 18, 2003 (this "Agreement"), among FIRST NORTH AMERICAN NATIONAL BANK,
a national banking association ("FNANB"), as Administrator, FNANB CREDIT CARD
MASTER NOTE TRUST, a statutory trust organized under the laws of the State of
Delaware, as Issuer (in such capacity, the "Issuer"), and FLEET BANK (RI),
NATIONAL ASSOCIATION, a national banking association ("Fleet").

                             PRELIMINARY STATEMENTS

                  WHEREAS, FNANB, as Administrator, and the Issuer are parties
to an Administration Agreement dated as of July 1, 2002 (the "Administration
Agreement");

                  WHEREAS, FNANB desires to resign as Administrator under the
Administration Agreement;

                  WHEREAS, Section 8 of the Administration Agreement permits
FNANB to resign as Administrator if, among other conditions, a successor
Administrator shall have been appointed by the Issuer and such successor
Administrator shall have agreed in writing to be bound by the terms of the
Administration Agreement; and

                  WHEREAS, the Issuer desires to appoint Fleet as successor
Administrator under the Administration Agreement and Fleet desires to accept
such appointment;

                  NOW, THEREFORE, in consideration of the mutual agreements
contained herein, each party agrees as follows:

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

                  Section 2. Resignation of FNANB as Administrator. FNANB hereby
resigns as Administrator under the Administration Agreement. The Issuer hereby
waives its right to receive 60 days prior written notice of such resignation.

                  Section 3. Appointment of Fleet as Administrator. The Issuer
hereby appoints Fleet as successor Administrator under the Administration
Agreement. Fleet hereby accepts such appointment and agrees to be bound by the
terms of the Administration Agreement in the same manner as FNANB was bound
prior to its resignation as Administrator.

                  Section 4. Conditions to Effectiveness. The resignation of
FNANB as Administrator under the Administration Agreement and the appointment of
Fleet as successor

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Administrator under the Administration Agreement shall become effective upon
satisfaction of the Rating Agency Condition with respect to such resignation and
appointment. On and after the date on which such resignation and appointment
become effective, FNANB shall be released from all of its duties and other
obligations as Administrator under the Administration Agreement. FNANB shall
cooperate with the Issuer and take all reasonable steps requested by the Issuer
to assist the Issuer in making an orderly transfer of the duties and other
obligations of the Administrator from FNANB to Fleet. FNANB hereby confirms that
it has been paid all fees and reimbursable expenses accruing to it as
Administrator as of the date of this Agreement.

                  Section 5. Power of Attorney. The Owner Trustee shall, on
behalf of the Issuer, execute and deliver to Fleet one or more powers of
attorney substantially in the form of Exhibit A hereto appointing Fleet (in its
capacity as successor Administrator) the attorney-in-fact of the Issuer for the
purpose of executing on behalf of the Issuer certain documents, reports,
filings, instruments, certificates and opinions as described therein. The Power
of Attorney dated July 19, 2002 executed by the Issuer in favor of FNANB is
hereby revoked effective as of the date of this Agreement.

                  Section 6. Counterparts. This Agreement 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 7. Governing Law. THIS AGREEMENT 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.

                  Section 8. Amendments. This Agreement may not be amended,
supplemented or otherwise modified, and the terms of this Agreement may not be
waived, except by a written instrument signed by all parties hereto.

                  Section 9. Limitation of Liability of Owner Trustee.
Notwithstanding anything contained herein to the contrary, this instrument has
been signed by Wilmington Trust Company not in its individual capacity but
solely in its capacity as Owner Trustee of the Issuer and in no event shall
Wilmington Trust Company in its individual capacity or any beneficial owner of
the Issuer have any liability for the representations, warranties, covenants,
agreements or other obligations of the Issuer hereunder, as to all of which
recourse shall be had solely to the assets of the Issuer. For all purposes of
this Agreement, in the performance of any duties or obligations hereunder, the
Owner Trustee (as such or in its individual capacity) shall be subject to, and
entitled to the benefits of, the terms and provisions of the Trust Agreement.

                                      -2-
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                  IN WITNESS WHEREOF, FNANB, Fleet and the Issuer have caused
this Agreement to be duly executed by their respective officers as of the day
and year first above written.

                                           FIRST NORTH AMERICAN NATIONAL BANK,
                                              as Administrator

                                           By: /s/ Daniel P. Tierney
                                               ______________________________
                                                 Name:  Daniel P. Tierney
                                                 Title: President

                                           FNANB CREDIT CARD MASTER NOTE TRUST,
                                              as Issuer

                                           By:  WILMINGTON TRUST COMPANY,
                                                not in its individual capacity
                                                but solely as Owner Trustee on
                                                behalf of the Issuer

                                           By: /s/ Patricia A. Evans
                                               ______________________________
                                                 Name: Patricia A. Evans
                                                 Title: Assistant Vice President

                                           FLEET BANK (RI), NATIONAL ASSOCIATION

                                           By: /s/ Jeffrey A. Lipson
                                               ______________________________
                                                 Name:  Jeffrey A. Lipson
                                                 Title: Vice President

Acknowledged and Accepted:

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

By: /s/ Patricia A. Evans
    ___________________________________
      Name: Patricia A. Evans
      Title: Assistant Vice President

FNANB Bankcard Portfolio Sale
Instrument of Resignation and Appointment
November 18, 2003

<PAGE>

                                    Exhibit A
                                Power of Attorney

                                [TO BE ATTACHED]<PAGE>

                                                                    EXHIBIT 10.2

                                                                [EXECUTION COPY]

                               AMENDMENT NO. 1 TO
                            ADMINISTRATION AGREEMENT

                  AMENDMENT NO. 1 TO ADMINISTRATION AGREEMENT, dated as of
November 18, 2003 (this "Amendment"), between FNANB CREDIT CARD MASTER NOTE
TRUST, a statutory trust organized under the laws of the State of Delaware, as
Issuer (in such capacity, the "Issuer"), and FLEET BANK (RI), NATIONAL
ASSOCIATION, a national banking association (the "Bank"), as Administrator.

                             PRELIMINARY STATEMENTS

                  WHEREAS, the Issuer and First North American National Bank, a
national banking association ("FNANB"), as Administrator, entered into an
Administration Agreement dated as of July 1, 2002 (the "Agreement");

                  WHEREAS, DC Funding International, Inc., a Delaware
corporation ("DC Funding"), as Transferor, and Wilmington Trust Company, a
Delaware banking corporation, as Owner Trustee (in such capacity, the "Owner
Trustee"), acknowledged and accepted the Agreement;

                  WHEREAS, FNANB, the Issuer and the Bank are parties to an
Instrument of Resignation and Appointment dated as of November 18, 2003 pursuant
to which FNANB has resigned as Administrator under the Agreement and the Bank
has been appointed as successor Administrator under the Agreement;

                  WHEREAS, DC Funding, as Transferor, FNANB, as Servicer, the
Bank, JPMorgan Chase Bank, a New York banking corporation, as Trustee, and the
Issuer are parties to an Assignment and Assumption Agreement dated as of
November 18, 2003 pursuant to which, among other things, DC Funding has assigned
to the Bank all of DC Funding's rights as Transferor under the Agreement and the
Bank has assumed the performance of every covenant and obligation of DC Funding
as Transferor under the Agreement;

                  WHEREAS, Section 11 of the Agreement provides that the Issuer
and the Bank, as Administrator and as Transferor, may amend the Agreement from
time to time, with the written consent of the Owner Trustee (as such and its
individual capacity) and the Holders of Notes evidencing not less than a
majority of the Outstanding Amount of the Notes, subject to certain limitations
set forth therein; and

                  WHEREAS, the Issuer and the Bank, as Administrator and as
Transferor, desire to amend the Agreement as set forth herein;

<PAGE>

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

                  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 1. Section 1 of the Agreement
is hereby amended by deleting paragraph (xv) of subsection (a) of such section
in its entirety and by substituting the following therefor:

                           (xv) the delivery of notice to the Indenture Trustee
         and the Rating Agencies of each Event of Default and each default by
         the Servicer or the Transferor under the Transfer and Servicing
         Agreement (Section 3.18);

                  Section 3. Amendment of Section 10. Section 10 of the
Agreement is hereby amended by deleting such section in its entirety and by
substituting the following therefor (solely for convenience, changed text is
italicized):

                           Section 10. Notices. Any notice, report or other
         communication given hereunder shall be in writing and addressed as
         follows:

                           (a) if to the Issuer or the Owner Trustee, to
         Wilmington Trust Company, Rodney Square North, 1100 North Market
         Street, Wilmington, Delaware 19890-0001, Attention: Corporate Trust
         Administration, telecopy number (302) 636-4140, telephone number (302)
         636-6196, with a copy to the Administrator;

                           (b) if to the Administrator or the Transferor, to
         Fleet Bank (RI), National Association, c/o Fleet Credit Card Services,
         L.P., Mail Stop: PA EH 066 02L, 680 Blair Mill Road, Horsham,
         Pennsylvania 19044, Attention: President, telecopy number (215)
         672-6214, telephone number (215) 444-6780, with a copy to General
         Counsel, Fleet Bank (RI), National Association, Mail Stop: PA EH 066
         03S, 680 Blair Mill Road, Horsham, Pennsylvania 19044, telecopy number
         (215) 674-0220, telephone number (215) 444-2339; and

                           (c) if to the Indenture Trustee, to JPMorgan Chase
         Bank, 4 New York Plaza, 6th Floor, New York, New York 10004, Attention:
         ITS Structured Finance, telecopy number (212) 623-5933, telephone
         number (212) 623-5600;

         or to such other address as any party shall have provided to the other
         parties in writing. Any notice required to be in writing hereunder
         shall be deemed given if such notice is mailed by certified mail,
         postage prepaid, or hand delivered to the address of such party as
         provided above, except that notices to the Indenture Trustee, the
         Transferor, the Administrator or the Issuer are effective only upon
         receipt.

                                      -2-
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                  Section 4. Amendment of Section 17. Section 17 of the
Agreement is hereby amended by deleting such section in its entirety and by
substituting the following therefor (solely for convenience, changed text is
italicized):

                           Section 17. Not Applicable to Fleet Bank (RI),
         National Association in Other Capacities. Nothing in this Agreement
         shall affect any obligation the Bank may have in any other capacity,
         other than as Administrator.

                  Section 5. Amendment of Section 20. Section 20 of the
Agreement is hereby amended by deleting such section in its entirety and by
substituting the following therefor:

                           Section 20. Nonpetition Covenants. Notwithstanding
         any prior termination of this Agreement, the Administrator shall not at
         any time with respect to the Issuer or FNANB Credit Card Master Trust,
         and the Issuer shall not at any time with respect to FNANB Credit Card
         Master Trust, acquiesce, petition or otherwise invoke or cause the
         Issuer or FNANB Credit Card Master Trust to invoke the process of any
         court or government authority for the purpose of commencing or
         sustaining a case against the Issuer or FNANB Credit Card Master Trust
         under any Federal or state bankruptcy, insolvency or similar law or
         appointing a receiver, conservator, liquidator, assignee, trustee,
         custodian, sequestrator or other similar official of the Issuer or
         FNANB Credit Card Master Trust or any substantial part of their
         respective properties, or ordering the winding up or liquidation of the
         affairs of the Issuer or FNANB Credit Card Master Trust; provided,
         however, that this Section 20 shall not operate to preclude any remedy
         described in Article V of the Indenture.

                  Section 6. 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 7. 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.

                  Section 8. 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 9. 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.

                                      -3-
<PAGE>

                  IN WITNESS WHEREOF, the Issuer and the Bank have caused this
Amendment 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/ Patricia A. Evans
                                              ---------------------------------
                                                Name:  Patricia A. Evans
                                                Title: Assistant Vice President

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

                                          By: /s/ Jeffrey A. Lipson
                                              ---------------------------------
                                                Name:  Jeffrey A. Lipson
                                                Title: Vice President

Acknowledged and Accepted:

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

By: /s/ Patricia A. Evans
    ------------------------------------
      Name:  Patricia A. Evans
      Title: Assistant Vice President

CONSENTED TO:

WILMINGTON TRUST COMPANY,
      as Owner Trustee and in its
      individual capacity

By: /s/ Patricia A. Evans
    ------------------------------------
      Name:  Patricia A. Evans
      Title: Assistant Vice President

FNANB Bankcard Portfolio Sale
Amendment No. 1 to Administration Agreement
November 18, 2003

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