MONTHLY SERIES 2000-1 CERTIFICATEHOLDERS' STATEMENT
THE FIRST NATIONAL BANK OF ATLANTA
WACHOVIA CREDIT CARD MASTER TRUST
Listed below is the information which is required to be prepared with
respect to the distribution date of October 16, 2000 and with respect
to the performance of the Trust during the related Monthly period.
Capitalized terms used in this Statement have their respective meanings
set forth in the Pooling and Servicing Agreement.
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D. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000
Original Certificate Principal Amount)
<S> <C> <C>
1. The amount of the current monthly distribution in respect of Class A Monthly Principal $0.00
2. The amount of the currently monthly distribution in respect of Class B Monthly Principal $0.00
3. The amount of the currently monthly distribution in respect of Collateral Monthly Principal $0.00
4. The amount of the currently monthly distribution in respect of Class A Monthly Interest $5.83
5. The amount of the currently monthly distribution in respect of Class A Deficiency Amounts $0.00
6. The amount of the currently monthly distribution in respect of Class A Additional Interest $0.00
7. The amount of the currently monthly distribution in respect of Class B Monthly Interest $6.03
8. The amount of the currently monthly distribution in respect of Class B Deficiency Amounts $0.00
9. The amount of the currently monthly distribution in respect of Class B Additional Interest $0.00
10. The amount of the currently monthly distribution in respect of Collateral Monthly Interest $6.39
11. The amount of the currently monthly distribution in respect of any
accrued and unpaid Collateral Monthly Interest $0.00
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E. Information Regarding the Performance of the Trust
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1. Collection of Principal Receivables
<S> <C> <C>
(a) The aggregate amount of Collections of Principal
Receivables processed during the related Monthly Period
which were allocated in respect of the Class A
Certificates $61,482,529.60
(b) The aggregate amount of Collections of Principal
Receivables processed during the related Monthly Period
which were allocated in respect of the Class B
Certificates $5,063,267.14
(c) The aggregate amount of Collections of Principal
Receivables processed during the related Monthly Period
which are allocated in respect of the Collateral
Interest $5,786,591.02
2. Principal Receivables in the Trust
(a) The aggregate amount of Principal Receivables in the
Trust as of the end of the day on the last day of the
related Monthly Period $3,365,152,571.28
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<S> <C> <C>
(b) The amount of Principal Receivables in the Trust
represented by the Investor Interest of Series 2000-1 as
of the end of the day on the last day of the related
Monthly Period $750,000,000.00
(c) The amount of Principal Receivables in the Trust
represented by the Series 2000-1 Adjusted Investor
Interest as of the end of the day on the last day of the
related Monthly Period $750,000,000.00
(d) The amount of Principal Receivables in the Trust
represented by the Class A Investor Interest as of the
end of the day on the last day of the related Monthly
Period $637,500,000.00
(e) The amount of Principal Receivables in the Trust
represented by the Class A Adjusted Investor Interest as
of the end of day on the last day of the related Monthly
Period $637,500,000.00
(f) The amount of Principal Receivables in the Trust
represented by the Class B Investor Interest as of the
end of the day on the last day of the related Monthly
Period $52,500,000.00
(g) The amount of Principal Receivables in the Trust
represented by the Collateral Interest as of the end of
the date on the last day of the related Monthly Period
$60,000,000.00
(h) The Floating Investor Percentage with respect to the
related Monthly Period 22.1464%
(i) The Class A Floating Allocation with respect to the
related Monthly Period 85.0000%
(j) The Class B Floating Allocation with respect to the
related Monthly Period 7.0000%
(k) The Collateral Floating Allocation with respect to the
related Monthly Period 8.0000%
(l) The Fixed Investor Percentage with respect to the
related Monthly Period 22.1464%
(m) The Class A Fixed Allocation with respect to the related
Monthly Period 85.0000%
(n) The Class B Fixed Allocation with respect to the related
Monthly Period 7.0000%
(o) The Collateral Fixed Allocation with respect to the
related Monthly Period 8.0000%
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3. Delinquent Balances
The aggregate amount of outstanding balances in the Accounts
which were delinquent as of the end of the day on the last day
of the related Monthly Period:
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Aggregate Percentage
Account of Total
Balance Receivables
<S> <C> <C> <C> <C>
(a) 30 - 59 days: $39,751,400.36 1.1637%
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(b) 60 - 89 days: $24,037,802.30 0.7037%
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(c) 90 - or more days: $42,513,276.85 1.2446%
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Total: $106,302,479.51 3.1120%
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<S> <C> <C>
4. Investor Default Amount
(a) The Aggregate Investor Default Amount for the related Monthly Period $2,919,231.77
(b) The Class A Investor Default Amount for the related Monthly Period $2,481,347.00
(c) The Class B Investor Default Amount for the related Monthly Period $204,346.22
(d) The Collateral Default Amount for the related Monthly Period $233,538.54
5. Investor Charge Offs
(a) The aggregate amount of Class A Investor Charge-Offs for the related
Monthly Period $0.00
(b) The aggregate amount of Class A Investor Charge-Offs set forth in 5 (a) above per
$1,000 of original Certificate principal amount $0.00
(c) The aggregate amount of Class B Investor Charge-Offs for the related
Monthly Period $0.00
(d) The aggregate amount of Class B Investor Charge-Offs set forth
in 5 (c) above per $1,000 of original certificate principal amount $0.00
(e) The aggregate amount of Collateral Charge-Offs for the related Monthly Period $0.00
(f) The aggregate amount of Collateral Charge-Offs set
forth in 5 (e) above per $1,000 of original certificate principal amount $0.00
(g) The aggregate amount of Class A Investor Charge-Offs reimbursed
on the Transfer Date immediately preceding this Distribution Date $0.00
(h) The aggregate amount of Class A Investor Charge-Offs set
forth in 5 (g) above per $1,000 original certificate
principal amount reimbursed on the Transfer Date immediately preceding this
Distribution Date $0.00
(i) The aggregate amount of Class B Investor Charge-Offs reimbursed
on the Transfer Date immediately preceding this Distribution Date $0.00
(j) The aggregate amount of Class B Investor Charge-Offs set
forth in 5 (i) above per $1,000 original certificate
principal amount reimbursed on the Transfer Date immediately preceding this
Distribution Date $0.00
(k) The aggregate amount of Collateral Charge-Offs reimbursed
on the Transfer Date immediately preceding this Distribution Date $0.00
(l) The aggregate amount of Collateral Charge-Offs set forth
in 5(k) above per $1,000 original certificate principal
amount reimbursed on the Transfer
Date immediately preceding Distribution Date $0.00
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<S> <C> <C>
6. Investor Servicing Fee
(a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for
the related Monthly Period $531,250.00
(b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for
the related Monthly Period $43,750.00
(c) The amount of the Collateral Interest Servicing Fee payable
by the Trust to the Servicer for the related Monthly Period $50,000.00
7. Reallocations
(a) The amount of Reallocated Collateral Principal Collections with respect to
this Distribution Date $0.00
(b) The amount of Reallocated Class B Principal Collections with respect to this
Distribution Date $0.00
(c) The Collateral Interest as of the close of business on this Distribution Date $60,000,000.00
(d) The Class B Investor Interest as of the close of business on this Distribution Date $52,500,000.00
8. Collection of Finance Charge Receivables
(a) The aggregate amount of Collections of Finance Charge
Receivables processed during the related Monthly Period which
were allocated in respect of the Class A Certificate $8,913,245.54
(b) The aggregate amount of Collections of Finance Charge
Receivables processed during the related Monthly Period which
were allocated in respect of the Class B Certificates $734,031.99
(c) The aggregate amount of Collections of Finance Charge
Receivables processed during the related Monthly Period which
were allocated in respect of the Collateral Interest $838,893.70
9. Principal Funding Amount
(a) The principal amount on deposit in the Principal Funding Account on the
related Transfer Date $0.00
(b) The Accumulation Shortfall with respect to the related Monthly Period $0.00
(c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account $0.00
on the related Transfer Date
(d) The amount of all or the portion of the Reserve Draw
Amount deposited in the Finance Charge Account on the
related Transfer Date from the Reserve Account
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<S> <C> <C>
10. Reserve Draw Amount $0.00
11. Available Funds
(a) The amount of Class A Available Funds on deposit in the Finance Charge Account
on the related Transfer Date $8,913,245.54
(b) The amount of Class B Available Funds on deposit in the Finance Charge Account
on the related Transfer Date $734,031.99
(c) The amount of Collateral Available Funds on deposit in the Finance Charge Account
on the related Transfer Date $838,893.70
12. Portfolio Yield
(a) The Portfolio Yield for the related Monthly Period 13.1071%
(b) The Portfolio Adjusted Yield for the related Monthly Period 5.4624%
F. Floating Rate Determinations
1. LIBOR for the interest Period ending on this Distribution Date 6.62125%
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The First National Bank
of Atlanta
Servicer
By: Michael L. Scheuerman
Title: Senior Vice President
