Exhibit 99.1




                          ANNUAL SERVICER'S CERTIFICATE

                       THE FIRST NATIONAL BANK OF ATLANTA

                     PARTNERS FIRST CREDIT CARD MASTER TRUST

           The undersigned, a duly authorized representative of The First
National Bank of Atlanta ("FNBA"), as Servicer pursuant to the Amended and
Restated Pooling and Servicing Agreement dated as of January 31, 2000 (the
"Agreement"), by and between FNBA and The Bank of New York (Delaware), as
trustee (the "Trustee") does hereby certify that:

1.       On January 31, 2000, FNBA, a wholly-owned subsidiary of Wachovia
         Corporation, acquired certain assets and liabilities of Partners First
         Holdings, LLC ("PFH") Partners First Receivables Funding, LLC and
         Partners First Receivables, LLC. As a result of this transaction, FNBA
         became successor to PFH; accordingly, on January 31, 2000 an Amended
         and Restated Pooling and Servicing Agreement was executed reflecting
         the FNBA as the Transferor and Servicer of Partners First Credit Card
         Master Trust. FNBA is, as of the date hereof, the Servicer under the
         Agreement.

2.       The undersigned is duly authorized pursuant to the 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 year ended
         December 31, 1999, and of its performance under the Agreement was
         conducted under the supervision of a servicing officer of PFH and FNBA,
         as appropriate.

5.       Based on such review, the Servicer has, to the best of the knowledge of
         the undersigned, fully performed all its obligations under the
         Agreement throughout such year 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 Agreement known
         to me to have been made by the Servicer during the year ended December
         31, 1999 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 default: None.

         IN WITNESS WHEREOF, the undersigned has duly executed this Certificate
this 28th day of March, 2000.



                  By:  Mark Norwicz
                     -----------------------------------
                     Name: Mark Norwicz
                     Title: Treasurer of Partners First Holdings, LLC through
                            January 31,2000, thereafter an employee of The First
                            National Bank of Atlanta d/b/a Wachovia Bankcard
                            Services, Inc.