Document:

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                                                                   Exhibit 10.20

                                                                  EXECUTION COPY

                        FIFTH AMENDMENT TO SERIES 2002-A
                   SUPPLEMENT TO THE MASTER LEASE RECEIVABLES
                    ASSET-BACKED FINANCING FACILITY AGREEMENT
                    -----------------------------------------

     FIFTH AMENDMENT TO SERIES 2002-A SUPPLEMENT TO THE MASTER LEASE RECEIVABLES
ASSET-BACKED FINANCING FACILITY AGREEMENT (this "Amendment"), made as of March
18, 2005, is entered into by and among MARLIN LEASING CORPORATION ("MLC"),
individually, and as the Servicer, MARLIN LEASING RECEIVABLES CORP. II ("MLRC"),
as the Obligors' Agent, MARLIN LEASING RECEIVABLES II LLC, as the Obligor,
JPMORGAN CHASE BANK, NA (successor by merger to Bank One, N.A.), as the Agent,
and WELLS FARGO BANK, N.A. (successor-by-merger to Wells Fargo Bank Minnesota,
N.A.) ("Wells Fargo"), as the Trustee, and is consented to and acknowledged by
MBIA INSURANCE CORPORATION ("MBIA"), as Series Support Provider. Capitalized
terms used and not otherwise defined herein shall have the meanings given to
such terms in the Supplement (as defined below).

                                 R E C I T A L S
                                 - - - - - - - -

     WHEREAS, MLC, in its capacity as the Servicer, MLRC, in its capacity as the
Obligors' Agent, and Wells Fargo, in its capacities as Trustee and Back-Up
Servicer, entered into that certain Master Lease Receivables Asset-Backed
Financing Facility Agreement, dated as of April 1, 2002 (such agreement as
amended, modified, restated, replaced, waived, substituted, supplemented or
extended, the "Master Agreement"), which Master Agreement was amended and
supplemented by the Series 2002-A Supplement to the Master Agreement dated as of
April 1, 2002 among certain of the parties hereto, as amended by that certain
First Amendment to the Series 2002-A Supplement to the Master Agreement dated as
of July 10, 2003, and by that certain Second Amendment to the Series 2002-A
Supplement to the Master Agreement dated as of January 13, 2004, and by that
certain Third Amendment to the Series 2002-A Supplement to the Master Agreement
dated as of March 19, 2004, and by that certain Fourth Amendment to the Series
2002-A Supplement to the Master Agreement dated as of January 11, 2005 (such
agreement as amended, modified, restated, replaced, waived, substituted,
supplemented or extended, the "Supplement"); and

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

     NOW, THEREFORE, based upon the above Recitals, the mutual premises and
agreements contained herein, and other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto
hereby agree as follows:

     SECTION 1. AMENDMENTS.
                ----------

     (a) The definition of "Liquidity Expiration Date" (as first set forth in
the Second Amendment to the Series 2002-A Supplement to the Master Agreement and
most recently amended in the Fourth Amendment to the Series 2002-A Supplement to
the Master Agreement) is hereby amended and restated in its entirety as follows:

     "Liquidity Expiration Date" shall mean April 8, 2006.
      -------------------------

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     SECTION 2. SUPPLEMENT IN FULL FORCE AND EFFECT AS AMENDED. Except as
specifically amended hereby, all provisions of the Supplement shall remain in
full force and effect. After this Amendment becomes effective, all references to
"hereof," "herein," or words of similar effect referring to the Supplement shall
be deemed to mean the Supplement as amended hereby. This Amendment shall not
constitute a novation of the Supplement, but shall constitute an amendment
thereof. This Amendment shall not be deemed to expressly or impliedly waive,
amend or supplement any provision of the Supplement other than as set forth
herein.

     SECTION 3. REPRESENTATIONS. Each of the parties hereto represent and
warrant as of the date of this Amendment as follows: (a) the execution, delivery
and performance by it of this Amendment are within its powers, have been duly
authorized; (b) this Amendment has been duly executed and delivered by it; and
(c) 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.

     SECTION 4. WAIVER OF NOTICE. Each of the parties, by its execution of this
Amendment, waives any prior notice pursuant to Section 7.05 of the Supplement
and any and all other notice provisions contained within the documents executed
in connection with the issuance of the Series 2002-A Note.

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.

     (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 Supplement.

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

     (e) 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.

     (f) 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.

     (g) THIS AMENDMENT AND THE RIGHTS AND OBLIGATIONS OF THE PARTIES UNDER THIS
AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED

                                       2

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AND INTERPRETED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT
REFERENCE TO ITS CONFLICT OF LAWS PROVISIONS.

            [The Remainder Of This Page Is Intentionally Left Blank]

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     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.

                                         MARLIN LEASING CORPORATION, in its
                                         individual capacity and as Servicer

                                         By:
                                            ------------------------------------
                                            Name: George D. Pelose
                                            Title: Senior Vice President

                                         MARLIN LEASING RECEIVABLES CORP. II, as
                                         the Obligors' Agent

                                         By:
                                            ------------------------------------
                                            Name: George D. Pelose
                                            Title: Vice President

                                         MARLIN LEASING RECEIVABLES II, LLC, as
                                         the Obligor

                                         By: MARLIN LEASING RECEIVABLES
                                         CORP II, as Managing Member

                                         By:
                                            ------------------------------------
                                            Name: George D. Pelose
                                            Title: Vice President

                                         JPMORGAN CHASE BANK, NA (successor by
                                         merger to Bank One, N.A.), as Agent

                                         By:
                                            ------------------------------------
                                            Name:
                                            Title:
                                            Address: Suite IL1-0079
                                                     1 Bank One Plaza
                                                     Chicago, IL 60670
                                                     Attention: Transaction
                                                                Management
                                                     Telephone: (312) 732-1281
                                                     Fax: (312) 732-3600

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                                         WELLS FARGO BANK, NATIONAL
                                         ASSOCIATION (successor-by-merger to
                                         Wells Fargo Bank Minnesota, N.A.), as
                                         Trustee

                                         By:
                                            ------------------------------------
                                            Name:
                                            Title:

                                         CONSENTED TO AND ACKNOWLEDGED BY:

                                         MBIA INSURANCE CORPORATION

                                         By:
                                            ------------------------------------
                                         Name:
                                         Title:

                                       5Exhibit 10.1

                              ST. PAUL TRAVELERS
                             NON-EMPLOYEE DIRECTOR
                ANNUAL EQUITY GRANT NOTIFICATION AND AGREEMENT
                                   DATE [ ]
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1.   General. This Notification and Agreement ("Agreement") is being provided
     to each non-employee director ("Director") of The St. Paul Travelers
     Companies, Inc. (the "Company") in connection with the equity-based
     grants set forth below (the "Grants") that have been made pursuant to:
     (i) the Company's Board of Directors compensation program adopted by the
     Company's Board of Directors (the "Board") and its Governance Committee
     on April 28, 2004, as the same may be amended by the Board and the
     Compensation and Governance Committee from time-to-time ; (ii)
     resolutions of the Compensation Committee adopted on July 27, 2004
     relating to the terms and conditions of the grants; and (iii) The St.
     Paul Travelers Companies, Inc. 2004 Stock Incentive Plan (the "2004
     Plan"). The Grants were made on [ ] (the "Grant Date"), being the date of
     the annual meeting of shareholders of the Company

2.   Deferred Stock Grant. The Company hereby grants to each Director [___]
     shares of deferred common stock units (each unit being equivalent to one
     share of the Company's common stock, no par value ("Common Stock") and
     referred to herein as a "Unit", and collectively as "Units"). The grant
     of the Units is subject to the following vesting, distribution and other
     requirements:

          A.   The Units will vest in full after one year from the Grant Date,
               as long as the Director continuously serves on the Board,
               subject to the termination of service provisions set forth
               below.

          B.   After the Units have vested, actual shares of Common Stock will
               be distributed in exchange for Units on the later of (i) six
               (6) months from a Director's termination of service on the
               Board, and (ii) the date or dates elected pursuant to The St.
               Paul Travelers Companies, Inc. Deferred Compensation Plan For
               Non-Employee Directors (the "Directors Deferred Plan").

          C.   Upon termination of a Director's service on the Board, other
               than for death, Unit grants, to the extent not then vested,
               will continue to vest. Actual shares of Common Stock will be
               distributed at the end of the vesting period, or six months
               following Board service termination, whichever is later, or
               according to any election made pursuant to the Directors
               Deferred Plan.

          D.   If a Director dies, unvested Units will vest immediately, and
               shares of Common Stock will be distributed to the Director's
               estate as soon as practicable thereafter.

          E.   If the Company declares a cash dividend on the Common Stock,
               then dividend equivalents attributable to Units will be
               automatically granted and deemed reinvested in additional Units
               as of the last day of the quarter in which the dividend was
               declared. The number of dividend equivalent Units shall equal
               the cash dividend equivalent divided by the closing price of
               the Common Stock on the New York Stock Exchange ("NYSE") on the
               dividend payment date.

3.   Stock Option Grant. The Company hereby grants to each Director a
     non-qualified stock option to purchase [ ] shares of Common Stock (the
     "Option") at an Option exercise price per share (the "Grant Price") of
     [$   ], such Grant Price being the closing price of the Common Stock on the
     NYSE on the date immediately preceding the Grant Date of the Option. The
     grant of the Option is subject to the following vesting, and other
     requirements:

          A.   The Option shall vest and become exercisable in full on the
               first anniversary of the Grant Date. The Option will expire on
               the tenth (10th) anniversary of the Grant Date set forth above,
               subject to the termination of service provisions set forth
               below.

          B.   In order to exercise the Option, the Director must be serving
               as a member of the Board, subject to the termination of service
               provisions set forth below. Upon vesting of the Option, the
               Option may be exercised in whole or in part by the Director
               providing notice to the Company together with provision for
               payment of the Grant Price and applicable withholding taxes.
               Such notice shall be given in the manner prescribed by the
               Company and shall specify the date and method of exercise and
               the number of shares being for which options are exercised.

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          C.   Upon termination of service from the Board, other than for
               death, the Option, to the extent not then vested, will vest in
               full and may be exercised for up to three (3) years from the
               date of termination of service, but no later than the Option
               expiration date.

          D.   Upon death, unvested options will vest in full and the
               Director's estate may exercise the Option for up to one (1)
               year from the date of the death, but no later than the Option
               expiration date.

          E.   An Option may not be sold or transferred to any other party,
               except to the Director's estate upon the Director's death, as
               provided above. The Board's Compensation and Governance
               Committee may, however, permit the transfer of an Option to an
               immediate family member of the Director, a trust or other
               vehicle, upon such terms and conditions as the Compensation and
               Governance Committee may establish.

4.   Miscellaneous.

          A.   Shares of Common Stock subject to a Unit that has vested or an
               Option that has been exercised may be withheld by the Company
               to satisfy applicable tax withholding obligations of the
               Company. In such case, shares of Common Stock net of such
               withholding will be distributed to the Director, unless a
               Director pays the tax withholding in cash.

          B.   Except with respect to dividend equivalents for Units as
               provided above, neither the Units nor an Option entitle a
               Director to any voting rights or other rights of a shareholder
               of the Company until shares of Common Stock have been
               distributed in exchange for Units, or upon the exercise of an
               Option, as the case may be.

          C.   In addition to the terms and conditions set forth herein, the
               Grants are subject to (i) the terms and conditions of the 2004
               Plan, and to the extent that a deferral election has been made
               with respect to Units, the Directors Deferred Plan; and (ii)
               the prospectus relating to the Grants as the same may be
               amended, modified and supplemented from time-to-time.

          D.   This Notification and Agreement constitutes the entire
               understanding between the parties hereto regarding the Units
               and the Option and supersedes all previous written, oral, or
               implied understandings between the parties hereto about the
               subject matter hereof.

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