EXHIBIT 99.1
CC MASTER CREDIT CARD TRUST II - EXCESS SPREAD ANALYSIS - November-00
Card Trust CVMT 95-A CVMT 95-C CVMT 96-A CVMT 96-C CVMT 98-A
Deal Size $400 MM $400 MM $407.25 MM $271.50 MM $600 MM
Exp Final Pay Date 08/15/02 02/18/03 11/15/01 02/16/04 09/15/03
Excess Spread:
Portfolio Yield 20.61% 20.61% 20.61% 20.61% 20.61%
Less: Blended Coupon 6.88% 6.89% 6.87% 6.86% 6.89%
SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50%
Charge-offs 8.18% 8.18% 8.18% 8.18% 8.18%
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Excess Spread:
November 4.05% 4.04% 4.06% 4.07% 4.04%
October 5.50% 5.49% 5.51% 5.52% 5.49%
September 3.31% 3.30% 3.32% 3.33% 3.30%
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3-MONTH AVG EXCESS SPREAD 4.29% 4.28% 4.30% 4.31% 4.28%
Delinq 30 to 59 days 2.36% 2.36% 2.36% 2.36% 2.36%
60 to 89 days 1.66% 1.66% 1.66% 1.66% 1.66%
90+ days 3.04% 3.04% 3.04% 3.04% 3.04%
Monthly Payment Rate 12.89% 12.89% 12.89% 12.89% 12.89%