EXHIBIT 28
               SERVICER'S CERTIFICATE
                                                                 
       Export Funding Trust, Series 1995-A
                 Certificate No. 4
                                                                 
               Payment Date: 12/30/96
                                                                 
                                                                 
                                                          
                                                    
                                                    
                                                    
                                                                 
1.  Principal received on Promissory Notes........          $     5,128,788.66
                                                                 
2.  Interest received on Promissory Notes.........          $     6,808,842.68
                                                                 
3.  Prepayment made by Obligor (if any)...........          $                -
                                                                 
4.  Remaining Promissory Note Principal Balance...          $   160,738,267.78
                                                                 
5.  Pool Factor...................................                      88.76%
                                                                 
6.  Principal per Minimum Denomination............          $         2,831.97
                                                                 
7.  Interest per Minimum Denomination.............          $         3,759.65
                                                                 
8.  Remaining Promissory Note Principal Balance                   
    Per Minimum Denomination......................          $        88,755.12
                                                                 
 No default has occurred and is continuing with respect to the Promissory 
 Note(s) or related Credit Agreement.
                                                                 
 All capitalized terms not otherwise defined shall have the respective meanings
 set forth in the Pooling and Servicing Agreement.
                                                                 
 INWITNESS WHEREOF, the undersigned has duly executed and delivered this 
 certificate this 26th day of December 1996.
                                                                 
                                                                 
    NationsBank, N.A. (Carolinas)                                  
    As Servicer                                                    
                                                                   
    By:_/s/Michael Timoney________                                      
    Name: Michael Timoney                                          
    Title: Assistant Vice President