|Exhibit 20(a)                                                                                                                                                                                                                                                                                                                                                                                                                                                                     
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|ANNUAL SERVICER'S CERTIFICATE                                                                                                                                                                                                                                                                                                                                                                                                                                                     
|FINGERHUT MASTER TRUST                                                                                                                                                                                                                                                                                                                                                                                                                                                            
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|The undersigned, a duly authorized representative of Axsys National Bank (formerly Fingerhut National Bank), as the Servicer pursuant to the Amended and Restated Pooling and Servicing Agreement dated as of March 18, 1998, (the
"Pooling and Servicing Agreement") and amended to date, by and among Fingerhut Receivables, Inc. (the
"Transferor"), Axsys National Bank, as Servicer and The Bank of New York (Delaware), as trustee (the
"Trustee") does hereby certify that:
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|IN WITNESS WHEREOF, the undersigned has duly executed this certificate on May 1, 2002.                                                                                                                                                                                                                                                                                                                                                                                            
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