Exhibit 28A
First Chicago Credit Card Master Trust II
Excess Spread Analysis—October 2002
| Series | | 95-O | | 96-S | | 99-X | | 99-Y |
| Deal Size | | $500MM | | $700MM | | $750MM | | $550MM |
| Expected Maturity | | 12/16/2002 | | 12/16/2002 | | 6/16/2003 | | 8/15/2003 |
|
| Yield | | 19.73% | | 19.73% | | 19.73% | | 19.73% |
| Less: Coupon | | 2.05% | | 1.97% | | 2.06% | | 2.06% |
| Servicing Fee | | 1.50% | | 1.50% | | 1.50% | | 1.50% |
| Net Credit Losses | | 5.27% | | 5.27% | | 5.27% | | 5.27% |
| Excess Spread: | | | | | | | | |
| October-02 | | 10.91% | | 10.99% | | 10.90% | | 10.90% |
| September-02 | | 10.83% | | 10.92% | | 10.84% | | 10.83% |
| August-02 | | 11.32% | | 11.41% | | 11.33% | | 11.33% |
| Three Month Average Excess Spread | | 11.02% | | 11.11% | | 11.02% | | 11.02% |
|
| Delinquency: | | | | | | | | |
| 30 to 59 Days | | 1.29% | | 1.29% | | 1.29% | | 1.29% |
| 60 to 89 Days | | 0.88% | | 0.88% | | 0.88% | | 0.88% |
| 90+ Days | | 1.57% | | 1.57% | | 1.57% | | 1.57% |
| Total | | 3.74% | | 3.74% | | 3.74% | | 3.74% |
|
| Payment Rate | | 31.72% | | 31.72% | | 31.72% | | 31.72% |
