EXHIBIT 28J
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, National Association
FIRST CHICAGO MASTER TRUST II
Series 1999-X
February 12, 2001
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1999-X
Supplement dated as of June 1, 1999 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the February 15, 2001 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to
Class A Adjusted Certificateholders on
the Payment Date per $1,000 interest. $ 5.027
2. The amount of the distribution set forth
in paragraph 1 above in respect of principal
on the Class A Adjusted Certificates, per
$1,000 interest $ 0.000
3. The amount of the distribution set forth
in paragraph 1 above in respect of interest
on the Class A Adjusted Certificates, per
$1,000 interest $ 5.027
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of
Receivables processed for the Due
Period with respect to the current Distribution
Date which were allocated in respect of the
Investor Certificates of all Series $ 2,303,550,148.05
b. The aggregate amount of Collections of
Receivables processed for the Due
Period with respect to the current
Distribution Date which were allocated in
respect of the Series 1999-X Certificates $ 285,564,067.76
c. The aggregate amount of Collections of
Receivables processed for the Due
Period with respect to the current
Distribution Date which were allocated in
respect of the Class A Certificates $ 249,868,559.34
d. The amount of Collections of Receivables
processed for the Due Period with respect
to the current Distribution Date which were
allocated in respect of the Class A Adjusted
Certificates, per $1,000 interest $ 333.158
e. The amount of Excess Spread for the Due Period
with respect to the current Distribution Date $ 7,372,560.12
f. The amount of Reallocated Principal Collections
for the Due Period with respect to the current
Distribution Date allocated in respect of the
Class A Certificates $ 0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1999-X
Certificates, if any $ 0.00
Series 1999-X
h. The amount of Excess Principal Collections
allocated in respect of the Series 1999-X
Certificates, if any $ 0.00
2. Receivables in Trust
------------------------
a. Aggregate Principal Receivables for the Due
Period with respect to the current Distribution
Date (which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates
of all Series) $ 14,948,586,259.11
b. The amount of Principal Receivables in the
Trust represented by the Series 1999-X
Certificates (the "Adjusted Invested Amount")
for the Due Period with respect to the
current Distribution Date $ 857,142,857.00
c. The amount of Principal Receivables in the
Trust represented by the Class A Certificates
(the "Class A Adjusted Invested Amount") for
the Due Period with respect to the current $ 750,000,000.00
Distribution Date
d. The Invested Amount for the Due Period with
respect to the current Distribution Date $ 857,142,857.00
e. The Class A Invested Amount for the Due Period
with respect to the current Distribution Date $ 750,000,000.00
f. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1999-X
Certificates for the Due Period with respect to
the current Distribution Date 5.734%
g. The Invested Percentage with respect to Principal
Receivables for the Series 1999-X Certificates for
the Due Period with respect to the current
Distribution Date 5.734%
h. The Class A Floating Percentage for the Due
Period with respect to the current Distribution Date 87.500%
i. The Class A Principal Percentage for the Due
Period with respect to the current Distribution Date 87.500%
j. The Collateral Floating Percentage for the Due
Period with respect to the current Distribution Date 12.500%
k. The Collateral Principal Percentage for the Due
Period with respect to the current Distribution Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances
in the Accounts which were 30 or more days
delinquent as of the end of the Due Period for
the current Distribution Date $ 710,517,966.74
Series 1999-X
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted
Receivables written off as uncollectible during
the Due Period with respect to the current
Distribution Date allocable to the Series 1999-X
Certificates (the "Investor Default Amount")
1. Investor Default Amount $ 5,234,570.10
2. Recoveries $ 151,494.18
3. Net Default Receivables $ 5,083,075.92
b. The Class A Investor Default Amount
1. Investor Default Amount $ 4,580,248.84
2. Recoveries $ 132,557.41
3. Net Default Receivables $ 4,447,691.43
c. The Collateral Investor Default Amount
1. Investor Default Amount $ 654,321.26
2. Recoveries $ 18,936.77
3. Net Default Receivables $ 635,384.49
5. Investor Charge-offs.
-------------------------
a. The amount of the Class A Adjusted Investor
Charge-Offs per $1,000 interest after
reimbursement of any such Class A Adjusted
Investor Charge-Offs for the Due Period with
respect to the current Distribution Date $ 0.00
b. The amount attributable to Class A Adjusted
Investor Charge-Offs, if any, by which the
principal balance of the Class A Adjusted
Certificates exceeds the Class A Adjusted
Invested Amount as of the end of the day on
the Record Date with respect to the current
Distribution Date $ 0.00
c. The amount of the Collateral Charge-Offs,if
any, for the Due Period with respect to the
current Distribution Date $ 0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee payable
from available funds by the Trust to the Servicer
with respect to the current Distribution Date $ 178,571.43
b. The amount of the Interchange Monthly Servicing
Fee payable to the Servicer with respect to the
current Distribution Date $ 892,857.14
7. Available Cash Collateral Amount
------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current
Distribution Date (the "Withdrawal Amount") $ 0.00
b. The amount available to be withdrawn from the
Cash Collateral Account as of the end of the
day on the current Distribution Date, after
giving effect to all withdrawals, deposits and
payments to be made on such Distribution Date
(the "Available Cash Collateral Amount" for the
next Distribution Date) $ 8,571,429.00
Series: 1999-X
c. The amount as computed in 7.b as a percentage
of the Class A Adjusted Invested Amount after
giving effect to all reductions thereof on the
current Distribution Date 1.143%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the current
Distribution Date $ 107,142,857.00
b. The Collateral Invested Amount after giving
effect to all withdrawals, deposits, and
payments on the current Distribution Date $ 107,142,857.00
9. Total Enhancement
---------------------
a. The total Enhancement for the current
Distribution Date $ 115,714,286.00
b. The total Enhancement after giving effect
to all withdrawals, deposits and payments
on the current Distribution Date $ 115,714,286.00
C. The Pool Factor
- -------------------
The Pool Factor (which represents the
ratio of the Class A Adjusted Invested Amount
on the last day of the month ending on the
Record Date adjusted for Class A Adjusted
Investor Charge-Offs set forth in B.5.a
above and for the distributions of principal
set forth in A.2 above to the Class A Adjusted
Initial Invested Amount). The amount of a Class
A Adjusted Certificateholder's pro rata share
of the Class A Adjusted Invested Amount can be
determined by multiplying the original
denomination of the holder's Class A Adjusted
Certificate by the Pool Factor 100.00000000%
D. Principal Funding Account
- -----------------------------
1. The Principal Funding Investment Proceeds
deposited in the Collection Account for the
current Distribution Date to be treated as
Class A Available Funds $ 0.00
2. The Excess Principal Funding Investment
Proceeds for the current Distribution Date $ 0.00
3. The Principal Funding Account Balance as
of the end of the day on the current
Distribution Date $ 0.00
4. The Deficit Controlled Accumulation Amount
for the preceding Due Period $ 0.00
E. Reserve Account
- -------------------
1. The Reserve Draw Amount for the current
Distribution Date $ 0.00
2. The amount on deposit in the Reserve Account
as of the end of the day on the current
Distribution Date (the "Available Reserve
Account Amount" for the next Distribution Date) $ 0.00
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, National Association
as Servicer
By: /s/ Tracie Klein
-------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT