EXHIBIT 28D
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, National Association
FIRST CHICAGO MASTER TRUST II
Series 1995-O
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 1995-O
Supplement dated as of June 1, 1995 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
Certificateholders on the Payment Date per $1,000
interest. $ 5.094
2. The amount of the distribution set forth in
paragraph 1 above in respect of principal on the
Class A 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 Certificates, per $1,000 interest $ 5.094
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 1995-O Certificates $ 190,376,045.42
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 $ 166,579,039.56
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 Certificates, per $1,000 interest $ 333.158
e. The amount of Excess Spread for the Due Period
with respect to the current Distribution Date $ 4,881,706.77
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 1995-O
Certificates, if any $ 0.00
Series 1995-O
h. The amount of Excess Principal Collections
allocated in respect of the Series 1995-O
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 1995-O Certificates
(the "Invested Amount") for the Due Period with
respect to the current Distribution Date $ 571,428,572.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates (the
"Class A Invested Amount") for the Due Period
with respect to the current Distribution Date $ 500,000,000.00
d. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1995-O
Certificates for the Due Period with respect to
the current Distribution Date 3.823%
e. The Invested Percentage with respect to Principal
Receivables for the Series 1995-O Certificates
for the Due Period with respect to the current
Distribution Date 3.823%
f. The Class A Floating Percentage for the Due
Period with respect to the current Distribution
Date 87.500%
g. The Class A Principal Percentage for the Due
Period with respect to the current Distribution
Date 87.500%
h. The Collateral Floating Percentage for the Due
Period with respect to the current Distribution
Date 12.500%
i. 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
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 1995-O Certificates (the
"Investor Default Amount")
1. Investor Default Amount $ 3,489,713.40
2. Recoveries $ 100,996.13
3. Net Default Receivables $ 3,388,717.27
Series 1995-O
b. The Class A Investor Default Amount
1. Investor Default Amount $ 3,053,499.22
2. Recoveries $ 88,371.61
3. Net Default Receivables $ 2,965,127.61
c. The Collateral Investor Default Amount
1. Investor Default Amount $ 436,214.18
2. Recoveries $ 12,624.52
3. Net Default Receivables $ 423,589.66
5. Investor Charge-Offs
------------------------
a. The amount of the Class A Investor Charge-Offs
per $1,000 interest after reimbursement of any
such Class A Investor Charge-Offs for the Due
Period with respect to the current Distribution
Date $ 0.00
b. The amount attributable to Class A Investor
Charge-Offs, if any, by which the principal
balance of the Class A Certificates exceeds the
Class A 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 $ 119,047.62
b. The amount of the Interchange Monthly Servicing
Fee payable to the Servicer with respect to the
current Distribution Date $ 595,238.10
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) $ 5,714,286.00
c. The amount as computed in 7.b as a percentage of
the Class A 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 $71,428,572.00
b. The Collateral Invested Amount after giving effect
to all withdrawals, deposits, and payments on the
current Distribution Date $71,428,572.00
Series 1995-O
9. Total Enhancement
---------------------
a. The total Enhancement for the current Distribution
Date $77,142,858.00
b. The total Enhancement after giving effect to all
withdrawals, deposits and payments on the current
Distribution Date $77,142,858.00
C. The Pool Factor
- -------------------
The Pool Factor (which represents the ratio of the
Class A Invested Amount on the last day of the month
ending on the Record Date adjusted for Class A
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 Initial Invested Amount). The
amount of a Class A Certificateholder's pro rata
share of the Class A Invested Amount can be
determined by multiplying the original denomination
of the holder's Class A Certificate by the Pool
Factor 100.00000000%
D. Deficit Controlled Amortization Amount
- ------------------------------------------
1. The Deficit Controlled Amortization Amount for the
preceding Due Period $ 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