Attached files
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10-Q - FORM 10-Q - AMERICAN FIRST FINANCIAL INC | afrs_10q.htm |
EX-33 - CERTIFICATION - AMERICAN FIRST FINANCIAL INC | afrs_ex32.htm |
EXHIBIT 31
CERTIFICATION PURSUANT TO RULE
13A-14
UNDER THE SECURITIES ACT OF 1934, AS
AMENDED
(SECTION 302 OF THE SARBANES-OXLEY
ACT OF 2002)
I, John R.
Stirling, certify that:
1.
I have reviewed this quarterly report on Form 10Q of American First
Financial, Inc.
2.
Based on my knowledge, this report does not contain any untrue statement
of a material fact or omit to state a material fact necessary to make the
statements made, in light of the circumstances under which such statements were
made, not misleading with respect to the period covered by this
report.
3.
Based on my knowledge, the financial statements and other financial
information included in this report, fairly present in all material respects,
the financial condition, results of operations and cash flows of the registrant
as of, and for, the periods presented in this report.
4.
The registrant’s other certifying officers and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e) and internal control over financial
reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f) for the
registrant and have:
(a) Designed such
disclosure controls and procedures, or caused disclosure controls and procedures
to be designed under our supervision, to ensure that material information
relating to the registrant, including its consolidated subsidiaries, is made
known to us by others within those entities, particularly during the period in
which this report is being prepared.
(b) Designed
such internal control over financial reporting or caused such internal control
over financial reporting to be designed under our supervision, to provide
reasonable assurance regarding the reliability of financial reporting and the
preparation of financial statements for external purposes in accordance with
generally accepted accounting principles.
(c)
Evaluated the effectiveness of the registrant’s disclosure controls
and procedures and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the end of the
period covered by this report based on such evaluation; and
(d)
Disclosed in this report any change in the registrant’s internal control
over financial reporting that occurred during the registrant’s most recent
fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual
report) that has materially affected or is reasonably likely to materially
affect, the registrant’s internal control over financial reporting.
5.
The registrant’s other certifying officers and I have disclosed, based on
our most recent evaluation of internal control over financial reporting, to the
registrant’s auditors and the audit committee of the registrant’s board of
directors (or persons performing the equivalent functions):
(a)
All significant deficiencies and material weaknesses in the design or
operation in internal control over financial reporting which are reasonably
likely to adversely affect the registrant’s ability to record, process,
summarize and report financial information; and
(b)Any
fraud, whether or not material, that involves management or other employees who
have a significant role in the registrant’s internal control over financial
reporting.
Dated: February 16, 2010
/s/ J. R. Stirling
President,
Chief Financial Officer, Secretary, Treasure
and
Principle
Financial and accounting Officer