I'm going through Vistoli's sections of FGA Explained to begin to understand stacks. It is well-known and proven in the text that the fibered category $QCoh$ of quasi-coherent sheaves is a stack in the fpqc topology. In particular then, given two quasicoherent sheaves $\xi$ and $\eta$ on a scheme $S$, the functor $Hom_U(\xi,\eta):Sch$/$U\rightarrow(Set)$ sending each object $X\rightarrow U$ to the set $Hom_{O_X}(\xi|_X,\eta|_X)$ should be a sheaf in the fpqc topology (this is proposition 4.7 for those who have the text).
So taking $U=SpecA$ affine, $X=U \rightarrow U$ the identity and $V=SpecB \rightarrow U$ a faithfully flat morphism (hence an fpqc covering of $U$), we should have an exact sequence
$0 \rightarrow Hom_{O_U}(\xi,\eta)\rightarrow Hom_{O_V}(\xi|_V,\eta|_V) \rightarrow Hom_{O_{V \times V}}(\xi|_{V \times _U V},\eta|_{V \times _U V})\rightarrow0$
where the second nonzero map is given by the difference between the pullbacks along the two projections.
Ok, so with all this fancy FGA stuff established, my question is actually pretty goofy and basic. Since everything above is affine, we can replace all the schemes by rings and all the sheaves by modules to obtain:
$0 \rightarrow Hom_{A}(M,N)\rightarrow Hom_{B}(M\otimes_A B,N\otimes_A B)$ $\rightarrow Hom_{B \otimes_A B}(M\otimes_A B\otimes_A B,N\otimes_A B\otimes_A B)\rightarrow0$
My question is: what exactly is the second nonzero map in simple terms? For example, if $\phi \in Hom_{B}(M\otimes_A B,N\otimes_A B)$ and $\psi$ is its image in $Hom_{B \otimes_A B}(M\otimes_A B\otimes_A B,N\otimes_A B\otimes_A B)$, can you give me a formula for $\psi(m\otimes b \otimes b')$ in terms of $\phi$ and the letters given. Because the way I'm interpreting the second map, it's always zero, which I'm pretty sure is wrong.
EDIT: Vistoli's section of FGA Explained is available here: http://arxiv.org/abs/math/0412512.