Series 2004-VFC Supplement Sample Contracts

SECOND AMENDMENT
Series 2004-VFC Supplement • December 9th, 2008 • Charming Shoppes Inc • Retail-women's clothing stores • New York

THIS SECOND AMENDMENT, dated as of November 14, 2008 (this “Amendment”) among Charming Shoppes Receivables Corp. (“CSRC”), as Seller, Spirit of America, Inc. (“Spirit, Inc”), as Servicer, and U.S. Bank National Association, as successor in interest to Wachovia Bank, National Association, as Trustee (the “Trustee”) is to the Series 2004-VFC Supplement, dated as of January 21, 2004 (as heretofore amended, the “Supplement”), among CSRC, as Seller, Spirit, Inc., as Servicer, and the Trustee, and consented to by Barclays Bank PLC. Any capitalized term not herein defined shall have the meaning assigned to it in the Supplement.

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