EXHIBIT 99.1
CC MASTER CREDIT CARD TRUST II - EXCESS SPREAD ANALYSIS December-00
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 20.53% 20.53% 20.53% 20.53% 20.53% 20.53%
Less: Blended Coupon 6.97% 6.97% 6.98% 6.96% 6.95% 6.98%
SVC Fees 1.50% 1.50% 1.50% 1.50% 1.50% 1.50%
Charge-offs 8.03% 8.03% 8.03% 8.03% 8.03% 8.03%
--------- --------- --------- --------- --------- ---------
Excess Spread:
December 4.03% 4.03% 4.02% 4.04% 4.05% 4.02%
November 4.05% 4.05% 4.04% 4.06% 4.07% 4.04%
October 5.50% 5.50% 5.49% 5.51% 5.52% 5.49%
--------- --------- --------- --------- --------- ---------
3-MONTH AVG EXCESS SPREAD 4.53% 4.53% 4.51% 4.53% 4.55% 4.52%
Delinq 30 to 59 days 2.28% 2.28% 2.28% 2.28% 2.28% 2.28%
60 to 89 days 1.73% 1.73% 1.73% 1.73% 1.73% 1.73%
90+ days 3.18% 3.18% 3.18% 3.18% 3.18% 3.18%
Monthly Payment Rate 14.05% 14.05% 14.05% 14.05% 14.05% 14.05%