EXHIBIT 99.1
THE FIRST NATIONAL BANK OF ATLANTA
WACHOVIA CREDIT CARD MASTER TRUST
The undersigned, a duly authorized representative of The First National Bank of
Atlanta ("FNBA"), as Servicer pursuant to the Pooling and Servicing Agreement
dated as of October 26, 1995 (the "Pooling and Servicing Agreement") by and
between FNBA and The Bank of New York (Delaware), as trustee (the "Trustee")
does hereby certify that:
1. FNBA is Servicer under the Pooling and Servicing Agreement.
2. The undersigned is duly authorized pursuant to the Pooling and Servicing
Agreement to execute and deliver this Certificate to the Trustee.
3. This certificate is delivered pursuant to Section 3.5 of the Pooling and
Servicing Agreement.
4. A review of the activities of the Servicer during the period of November
1, 1997 to October 31, 1998 was conducted under the supervision of a
servicing officer of FNBA.
5. Based on such review, the Servicer has, to the best of the knowledge of
the undersigned, fully performed all its obligations under the Pooling
and Servicing Agreementthroughout such period and no default in the
performance of such obligations has occurred or is continuing except as
set forth in paragraph 6 below.
6. The following is a description of each default in the performance of the
Servicer's obligations under the provisions of the Pooling and Servicing
Agreement, including any Supplement, known to the undersigned to have
been made during such period which sets forth in detail (i) the nature
of each such default, (ii) the action taken by the Servicer, if any, to
remedy each such default and (iii) the current status of each such
fault:
None
IN WITNESS WHEREOF, the undersigned has duly executed this certificate this 18th
day of November, 1998.
Xxxxxx X. Xxxxx
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Xxxxxx X. Xxxxx
Senior Vice President
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