Fleet Credit Card Funding Trust 10-K 2005 FY Annual report

EXHIBIT 99.4

Report of Management on Compliance with

Specified Servicing Requirements

October 22, 2004

The management of Fleet Bank (RI), National Association, a wholly owned subsidiary of Bank of America Corporation (the "Company"), is responsible for complying with Sections 3.01(a), 3.01(b), 3.01(c), 3.01(e), 3.01(f), 3.02, 3.04, 3.05, 3.06, 3.09, and 3.10, Article IV and Section 8.08 (the "Specified Servicing Requirements") of the Amended and Restated Pooling and Servicing Agreement dated and effective as of December 1, 1993, as amended and restated as of January 1, 2002, and further amended by Amendment Number 1 dated as of April 1, 2002 among Fleet Bank (RI), National Association, as Servicer (the "Servicer"), Fleet Credit Card Funding Trust, as Transferor, and Deutsche Bank Trust Company Americas, as Trustee, on behalf of the Certificateholders of Fleet Credit Card Master Trust II, relating to various series of Fixed and Floating Rate Asset-Backed Certificates issued or outstanding during the twelve months ending September 30, 2004.

Management has performed an evaluation of the Servicer's compliance with the Specified Servicing Requirements and based on this evaluation, management believes that the Servicer has complied with the Specified Servicing Requirements during the twelve months ended September 30, 2004.

/s/ GREG HOBBY

Greg Hobby
Senior Vice President

/s/ JEFFREY S. LIPSON

Jeffrey S. Lipson
Senior Vice President

/s/ ELIZABETH S. BUIE

Elizabeth S. Buie
Senior Vice President

/s/ JOHN S. FIORAVANTI

John S. Fioravanti
Senior Vice President