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                                                                    EXHIBIT 99.1

                          ANNUAL SERVICER'S CERTIFICATE

                          FIRST NATIONAL BANK OF OMAHA

                     FIRST BANKCARD MASTER CREDIT CARD TRUST

         The undersigned, duly authorized representatives of First National Bank
of Omaha ("FNBO"), as Servicer pursuant to the Second Amended and Restated
Pooling and Servicing Agreement, dated as of October 24, 2002 (as amended and
supplemented, the "Pooling and Servicing Agreement"), by and between FNBO, First
National Funding LLC ("FNF"), as Transferor, and The Bank of New York, as
trustee (the "Trustee"), do hereby certify that:

         1.       FNBO is Servicer under the Pooling and Servicing Agreement.
Capitalized terms used but not otherwise defined in this Certificate shall have
the respective meanings assigned in or pursuant to the Pooling and Servicing
Agreement.

         2.       The undersigned are 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 3.05 of the
Pooling and Servicing Agreement.

         4.       A review of the activities of the Servicer during the
twelve-month period ending on December 31, 2003, was conducted under the
supervision of the undersigned officers.

         5.       To the best knowledge of the undersigned, based on such
review, the Servicer has 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 us 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 default:

                                      None.

         7.       (a) During such period, for each outstanding Series, the
Servicer prepared the monthly reports required by Section 3.04(b) of the Pooling
and Servicing Agreement and each other monthly report required by the applicable
Supplement or other document (as described on Exhibit A to this Certificate) in
accordance with Section 3.04(b) and the applicable provisions of each such
Supplement or other document, (b) the amounts included in such reports agree
with the computer records of the Servicer and (c) the calculated amounts
included in such reports are mathematically correct and made in accordance with
the applicable definitions in the Pooling

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and Servicing Agreement and the other applicable Transaction Documents, except
as set forth in Paragraph 6 above. The monthly reports required for each Series
are as set forth on Exhibit A attached to this Certificate.

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         IN WITNESS WHEREOF, the undersigned have duly executed this certificate
as of March 29, 2004.

                                      FIRST NATIONAL BANK OF OMAHA, as Servicer

                                      By  /s/ Matthew W. Lawver
                                          ------------------------------------
                                      Name    Matthew W. Lawver
                                      Title   Senior Vice President

                                      By  /s/ Jean L. Koenck
                                          ------------------------------------
                                      Name    Jean L. Koenck
                                      Title   Vice President

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                                  EXHIBIT A TO
                          ANNUAL SERVICER'S CERTIFICATE

                         POOLING AND SERVICING AGREEMENT

         1.       Second Amended and Restated Pooling and Servicing Agreement,
dated as of October 24, 2002, between First National Funding LLC, as transferor
and servicer, and BONY, as trustee (as amended and supplemented, "PSA").

                              2003 MONTHLY REPORTS

SERIES 2000-1

         1.       Exhibit B, Form of Monthly Payment Instructions and
Notification to the Trustee, to the Series 2000-1 Supplement, dated as of June
30, 2000, as amended, to the PSA.

         2.       Exhibit B, Monthly Payment Certificate Pursuant to Section
2.10 of the Loan Agreement, to Loan Agreement, dated as of June 30, 2000, as
amended, for the PSA.

         3.       Exhibit C, Form of Monthly Status Report, to Series 2000-1
Supplement, dated as of June 30, 2000, as amended, to the PSA.

SERIES 2000-2 (THROUGH NOVEMBER)

         1.       Exhibit D, Form of Monthly Payment Instructions and
Notification to the Trustee, to the Series 2000-2 Supplement, dated as of
November 22, 2000, as amended, to the PSA.

         2.       Exhibit E, Form of Monthly Status Report, to Series 2000-2
Supplement, dated as of November 22, 2000, as amended, to the PSA.

SERIES 2000-3 (THROUGH NOVEMBER)

         1.       Exhibit B, Form of Monthly Payment Instructions and
Notification to the Trustee, to the Series 2000-3 Supplement, dated as of
September 29, 2000, as amended, to the PSA.

         2.       Exhibit C, Form of Monthly Status Report, to the Series 2000-3
Supplement, dated as of September 29, 2000, as amended, to the PSA.

         3.       Exhibit B, Monthly Payment Certificate Pursuant to Section
2.10 of the Loan Agreement, to Loan Agreement, dated as of September 29, 2000,
as amended, for the PSA.

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SERIES 2001-1

         1.       Exhibit D, Form of Monthly Payment Instructions and
Notification to the Trustee, to the Series 2001-1 Supplement, dated as of June
15, 2001, as amended, to the PSA.

         2.       Exhibit E, Form of Monthly Status Report, to Series 2001-1
Supplement, dated as of June 15, 2001, as amended, to the PSA.

SERIES 2002-1

         1.       Exhibit B, Form of Monthly Payment Instructions and
Notification to Indenture Trustee, to the Series 2002-1 Indenture Supplement,
dated as of October 24, 2002, to the PSA.

         2.       Exhibit C, Form of Monthly Report to Noteholders, to Series
2002-1 Indenture Supplement, dated as of October 24, 2002, to the PSA.

SERIES 2002-2 (THROUGH NOVEMBER)

         1.       Exhibit B, Form of Monthly Payment Instructions and
Notification to the Indenture Trustee, to the Series 2002-2 Indenture
Supplement, dated as of December 30, 2002, to the PSA.

         2.       Exhibit C, Form of Monthly Noteholders Statement, to Series
2002-2 Indenture Supplement, dated as of December 30, 2002, to the PSA.

SERIES 2003-1 (FROM MARCH 20)

         1.       Exhibit B, Form of Monthly Payment Instructions and
Notification to Indenture Trustee, to the Series 2003-1 Indenture Supplement,
dated as of March 20, 2003, to the PSA.

         2.       Exhibit C, Form of Monthly Report to Noteholders, to Series
2003-1 Indenture Supplement, dated as of March 20, 2003, to the PSA.

SERIES 2003-2 (FROM NOVEMBER 17)

         1.       Exhibit B, Form of Monthly Payment Instructions and
Notification to Indenture Trustee, to the Series 2003-2 Indenture Supplement,
dated as of November 17, 2003, to the PSA.

         2.       Exhibit C, Form of Monthly Report to Noteholders, to Series
2003-2 Indenture Supplement, dated as of November 17, 2003, to the PSA.

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