Master Indenture

MONTHLY NOTEHOLDER'S STATEMENT

FLEET BANK (RI), NATIONAL ASSOCIATION

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FNANB CREDIT CARD MASTER NOTE TRUST

SERIES 2002-A

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Pursuant to the Master Indenture, dated as of July 1, 2002, as thereafter

amended and supplemented, between the FNANB Credit Card Master Note Trust, as

Issuer (the "Issuer"), and JPMorgan Chase Bank, as Indenture Trustee (the

"Indenture Trustee"), and as acknowledged and agreed to by Fleet Bank (RI),

National Association (successor servicer to First North American National Bank

and successor Transferor to DC Funding International Inc.), as Servicer (the

"Servicer"), and as Transferor (the "Transferor"), as supplemented by the

Series 2002-A Indenture Supplement dated as of July 19, 2002 between the Issuer

and the Indenture Trustee and as acknowledged and agreed to by the Servicer and

Transferor (as so supplemented, the "Indenture"), the Servicer is required to

report certain information each month relating to the Issuer and the Series

2002-A Notes. The information with respect to the applicable Distribution Date

and Collection Period is set forth below.

Collection Period Ending July 31, 2004

Determination Date August 9, 2004

Distribution Date August 16, 2004

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Class A Accumulation Period ("Y" or "N")? N

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Class B Accumulation Period ("Y" or "N")? N

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Early Amortization Period ("Y" or "N")? N

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Class B Investor Amount paid in full ("Y" or "N")? N

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MASTER TRUST INFORMATION

Receivables

1. The aggregate amount of Receivables less all Receivables

in Charged-Off Accounts as of the end of the last day of

the Collection Period was equal to: $ 1,110,873,171.46

2. The aggregate amount of Principal Receivables as of the

end of the last day of the Collection Period (not including

reduction for Discount Receivables) was equal to: $ 1,078,192,938.26

3. The average Discount Percentage for the Collection Period: 2.00%

4. The aggregate amount of Discount Option Receivables as of

the end of the last day of the Collection Period was equal to: $ 21,563,858.77

5. The aggregate amount of Principal Receivables as of the

end of the last day of the Collection Period (including

reduction for Discount Receivables) was equal to: $ 1,056,629,079.49

6. The aggregate amount of Finance Charge Receivables as of the

end of the last day of the Collection Period (not including

increase for Discount Receivables) was equal to: $ 32,680,233.20

7. The aggregate amount of Finance Charge Receivables as of the

end of the last day of the Collection Period (including

increase for Discount Receivables) was equal to: $ 54,244,091.97

8. The average amount of Receivables for the Collection

Period was equal to:

a. Average Principal Receivables (including reduction for Discount Option Receivables) $ 1,070,875,978.49

b. Average Total Receivables $ 1,125,921,932.26

9. The Transferor Amount as of the end of the last day of the

Collection Period: $ 6,989,079.49

10. Minimum Transferor Amount required as of end of last day of Collection Period: $ 0.00

11. The aggregate amount of Principal Charge-Offs for the

Collection Period (including reduction for Discount

Option Receivables) was equal to: $ 16,429,567.57

12. The aggregate amount of Finance Charge Charge-Offs

for the Collection Period (including increase for

Discount Option Receivables) was equal to: $ 3,772,626.03

13. The Excess Funding Account Balance as of the end of the

last day of the Collection Period $ 0.00

Collections

14. The aggregate amount of Principal Collections for the

Collection Period was equal to:

a.) Collection of Principal Receivables: $ 69,265,692.10

b.) Discount Receivable Collections: $ -1,385,313.84

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c.) Total Principal Receivable Collections: $ 67,880,378.26

15. The aggregate amount of Finance Charge Collections for the

Collection Period was equal to:

a.) Collection of Finance Charge Receivables $ 20,852,150.91

b.) Interchange Amount $ 857,963.57

c.) Discount Receivable Collections $ 1,385,313.84

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d.) Total Finance Charge Receivable Collections $ 23,095,428.32

16. The aggregate amount of interest earnings (net of losses

and investment expenses) on the Excess Funding

Account for the Collection Period: $ 0.00

17. The aggregate amount of Recoveries for the relevant Collection Period $ 1,145,741.43

18. The aggregate amount of Collections processed for the

Collection Period: $ 92,121,548.01

Invested Amounts

19. The 2002-A Net Investment at the end of the last day of the

Collection Period was equal to:

a. Class A $ 415,950,000.00

b. Class B $ 83,690,000.00

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c. Total $ 499,640,000.00

20. The average amount of the 2002-A Net Investment for the

Collection Period was equal to:

a. Class A $ 415,950,000.00

b. Class B $ 83,690,000.00

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c. Total $ 499,640,000.00

21. The 2003-A Net Investment at the end of the last day of the

Collection Period was equal to:

a. Class A $ 423,500,000.00

b. Class B $ 126,500,000.00

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c. Total $ 550,000,000.00

22. The average amount of the 2003-A Net Investment for the

Collection Period was equal to:

a. Class A $ 423,500,000.00

b. Class B $ 126,500,000.00

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c. Total $ 550,000,000.00

23. The aggregate Invested Amount across all series of Investor

Certificates outstanding as of the end of the last day of the

Collection Period: $ 1,049,640,000.00

Series 2002-A Allocation Percentages

24. The Fixed Allocation Percentage with respect to the Collection Period:

a. Class A 0.00%

b. Class B 0.00%

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c. Series 2002-A Total 0.00%

25. The Floating Allocation Percentage with respect to the Collection Period:

a. Class A 38.19%

b. Class B 7.68%

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c. Series 2002-A Total