Exhibit 99.1
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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 Amended and Restated Pooling and
Servicing Agreement dated as of June 4, 1999 (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, 1999 to October 31, 2000 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 Agreement throughout 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 14th
day of November, 2000.
/s/ Xxxxxxx X. Xxxxxxxxxx
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Xxxxxxx X. Xxxxxxxxxx
Senior Vice President
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