EXHIBIT 99.1
CC MASTER CREDIT CARD TRUST II - EXCESS SPREAD ANALYSIS - OCTOBER 2000
Card Trust CVMT 95-A CVMT 95-B CVMT 95-C CVMT 96-A CVMT 96-C CVMT 98-A
Deal Size $400 MM $150 MM $400 MM $407.25 MM $271.50 MM $600 MM
Exp Final Pay Date 08/15/02 11/15/02 02/18/03 11/15/01 02/16/04 09/15/03
Excess Spread:
Portfolio Yield 22.22% 22.22% 22.22% 22.22% 22.22% 22.22%
Less: Blended Coupon 6.88% 6.88% 6.89% 6.87% 6.86% 6.89%
SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50% 1.50%
Charge-offs 8.35% 8.35% 8.35% 8.35% 8.35% 8.35%
------ ------ ------ ------ ------ ------
Excess Spread:
October 5.49% 5.49% 5.48% 5.50% 5.51% 5.48%
September 3.31% 3.31% 3.30% 3.32% 3.33% 3.30%
August 6.20% 6.20% 6.19% 6.21% 6.22% 6.20%
------ ------ ------ ------ ------ ------
3-MONTH AVG EXCESS SPREAD 5.00% 5.00% 4.99% 5.01% 5.02% 4.99%
Delinq 30 to 59 days 2.21% 2.21% 2.21% 2.21% 2.21% 2.21%
60 to 89 days 1.62% 1.62% 1.62% 1.62% 1.62% 1.62%
90+ days 2.94% 2.94% 2.94% 2.94% 2.94% 2.94%
Monthly Payment Rate 14.28% 14.28% 14.28% 14.28% 14.28% 14.28%