EXHIBIT F
TO THE MASTER POOLING
AND SERVICING AGREEMENT
FORM OF ANNUAL SERVICER'S CERTIFICATE
FIRST NORTH AMERICAN NATIONAL BANK
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CIRCUIT CITY CREDIT CARD MASTER TRUST
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The undersigned, a duly authorized representative of First North
American National Bank ("FNANB"), as Servicer (the "Servicer"), pursuant to the
Master Pooling and Servicing Agreement, dated as of October 4, 1994 (as such
agreement may have been, or may from time to time be, amended, supplemented or
otherwise modified, the "Pooling and Servicing Agreement"), between FNANB, as
Transferor and as Servicer, and Bankers Trust Company, as Trustee (the
"Trustee"), does hereby certify that:
1. Capitalized terms used in this Officer's Certificate have
their respective meanings set forth in the Pooling and
Servicing Agreement.
2. FNANB is as of the date hereof the Servicer under the Pooling and
Servicing Agreement.
3. The undersigned is duly authorized pursuant to the Servicing
Agreement to execute and deliver this Officer's Certificate to
the Trustee.
4. This certificate is delivered pursuant to Section 3.5 of the
Pooling and Servicing Agreement.
5. A review of the activities of the Servicer during the Fiscal
Year ended February 28, 1998 and of its performance under the
Pooling and Servicing Agreement was made under my supervision.
6. Based on such review, to the best of the undersigned's
knowledge, the Servicer has fully performed all its
obligations under the Pooling and Servicing Agreement
throughout such calendar year and no event which, with the
giving of notice or passage of time or both, would constitute
a Servicer Default has occurred or is continuing except as set
forth in paragraph 7 below.
7. The following is a description of each Servicer Default under
the provisions of the Pooling and Servicing Agreement known to
the undersigned to have occurred during the Fiscal Year ended
February 28, 1998, which sets forth in detail the (i) nature
of each such Servicer Default, (ii) the action taken by the
Servicer, if any, to remedy each such Servicer Default and
(iii) the current status of each such Servicer Default:
IN WITNESS WHEREOF, the undersigned, a duly authorized Servicing
Officer, has duly executed this certificate as of this 29th day of May, 1998.
/s/ Xxxxxxx X. Xxxxxxxxx
Name: Xxxxxxx X. Xxxxxxxxx
Title: Chairman of the Board
and President