FNANB CREDIT CARD MASTER NOTE TRUST 8-K

FORM 8-K DATED NOVEMBER 18, 2003

AMENDMENT NO. 3

SECOND AMENDED AND RESTATED POOLING

AMENDMENT NO. 2 TO TRANSFER AND SERVICING AGRMNT

AMENDMENT NO. 3 TO TRANSFER AND SERVICING AGRMNT

ASSIGNMENT AND ASSUMPTION AGREEMENT

AMENDMENT NO. 1 TO TRUST AGREEMENT

AMENDMENT NO. 2 TO TRUST AGREEMENT

THIRD SUPPLEMENTAL INDENTURE TO MASTER INDENTURE

FOURTH SUPPLEMENTAL INDENTURE TO MASTER INDENTURE

SECOND SUPPLEMENTAL INDENTURE TO SERIES 2002-A

FIRST SUPPLEMENTAL INDENTURE TO SERIES 2003-A

INSTRUMENT OF APPOINTMENT AND RESIGNATIONS

AMENDMENT NO. 1 TO ADMINISTRATION AGREEMENT