Exhibit 10.4

EXECUTION COPY

FIFTH AMENDMENT TO

CLASS A CERTIFICATE PURCHASE AGREEMENT

    THIS FIFTH AMENDMENT TO CLASS A CERTIFICATE PURCHASE AGREEMENT (this "Amendment"), dated as of November 29, 2004, is entered into by and among PRIME II RECEIVABLES CORPORATION (the "Transferor"), FDS BANK, formerly known as FDS NATIONAL BANK, (the "Servicer"), MARKET STREET FUNDING CORPORATION (the "Class A Purchaser") and PNC BANK, NATIONAL ASSOCIATION (the "Agent").

RECITALS

    WHEREAS, the Transferor, the Servicer, the Class A Purchaser and the Agent are parties to that certain Class A Certificate Purchase Agreement, dated as of July 6, 1999 (as amended, supplemented or otherwise modified from time to time, the "Agreement");

    WHEREAS, the parties hereto desire to amend the Agreement as hereinafter set forth.

    NOW THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties agree as follows:

        SECTION 1. Certain Defined Terms. Capitalized terms that are used herein without definition and that are defined in the Agreement shall have the same meanings herein as therein defined.

        SECTION 2. Amendment to Agreement. Pursuant to Section 2.2(c) of the Agreement, the aggregate Commitment of the Class A Purchaser is hereby increased to the amount set forth underneath the signature of the Class A Purchaser hereto.

        SECTION 3. Representations and Warranties. In order to induce the parties hereto to enter into this Amendment, each of the parties hereto represents and warrants unto the other parties hereto as set forth in this Section 3:

(a) Due Authorization, Non-Contravention, etc. The execution, delivery and performance by such party of this Amendment are within its powers, have been duly authorized by all necessary action, and do not: (a) contravene its organizational documents; or (b) contravene any contractual restriction, law or governmental regulation or court decree or order binding on or affecting it; and

(b) Validity, etc. This Amendment constitutes the legal, valid and binding obligation of such party enforceable against such party in accordance with its terms, subject to applicable bankruptcy, insolvency and similar laws affecting creditors' rights and general equitable principles.

        SECTION 4. Effect of Amendment. All provisions of the Agreement, as expressly amended and modified by this Amendment, shall remain in full force and effect. After this Amendment becomes effective, all references in the Agreement to "this Agreement", "hereof", "herein" or words of similar effect referring to the Agreement shall be deemed to be references to the Agreement as amended by this Amendment. This Amendment shall not be deemed, either expressly or impliedly, to waive, amend or supplement any provision of the Agreement other than as set forth herein.

        SECTION 5. Effectiveness. This Amendment shall become effective as of the date hereof upon receipt by the Agent of counterparts of this Amendment (whether by facsimile or otherwise) executed by each of the other parties hereto, in form and substance satisfactory to the Agent in its sole discretion.

        SECTION 6. Miscellaneous. 

    (a) THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK WITHOUT REFERENCE TO PRINCIPLES OF CONFLICTS OF LAW.

    (b) Headings used herein are for convenience of reference only and shall not affect the meaning of this Amendment or any provision hereof.

    (c) This Amendment may be executed in any number of counterparts, and by the parties hereto on separate counterparts, each of which when executed and delivered shall be deemed to be an original and all of which taken together shall constitute one and the same agreement.

    IN WITNESS WHEREOF, the parties have executed this Amendment as of the date first written above.

	MARKET STREET FUNDING CORPORATION, as Class A Purchaser
	By: /s/ Douglas K. Johnson
	Name: Douglas K. Johnson
	Title: President
	Commitment: $244,444,750
	PNC BANK, NATIONAL ASSOCIATION, as Agent
	By: /s/ John T. Smathers
	Name: John T. Smathers
	Title: Vice President
	PRIME II RECEIVABLES CORPORATION, as Transferor
	By: /s/ Susan P. Storer
	Name: Susan P. Storer
	Title: President
	FDS BANK (f/k/a FDS National Bank), as Servicer
	By: /s/ Susan R. Robinson
	Name: Susan R. Robinson
	Title: Treasurer
Acknowledged and agreed.	LLOYDS TSB BANK PLC
	By: /s/ Victor Rutenberg
	Name: Victor Rutenberg
	Title: Assistant Vice President Structured Finance
	By: /s/ Tim Self
	Name: Tim Self
	Title: Vice President Structured Finance