EXHIBIT 99.1



                          ANNUAL SERVICER'S CERTIFICATE
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                       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 29, 2000 and of its  performance  under the
                Pooling and Servicing Agreement was made under the undersigned's
                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 the Fiscal
                Year ended  February  29,  2000,  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 29, 2000,  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:   Not
                Applicable.




         IN  WITNESS  WHEREOF,  the  undersigned,  a duly  authorized  Servicing
Officer, has duly executed this certificate as of this 17th day of May, 2000.


                                       /s/Michael T. Chalifoux
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                                       Name:    Michael T. Chalifoux
                                       Title:   Chairman of the Board
                                                and President