EXHIBIT 99.3
Feb-2001 1995-A Page 1
MONTHLY STATEMENT TO CERTIFICATEHOLDERS
SERIES 1995-A
CC MASTER CREDIT CARD TRUST II
(Formerly Chevy Chase Master Credit Card Trust II)
RECEIVABLES
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Beginning of the Month Principal Receivables: $3,417,370,236.31
Beginning of the Month Finance Charge Receivables: $174,608,577.11
Beginning of the Month Discounted Receivables: $0.00
Beginning of the Month Total Receivables: $3,591,978,813.42
Removed Principal Receivables: $0.00
Removed Finance Charge Receivables: $0.00
Removed Total Receivables: $0.00
Additional Principal Receivables: $0.00
Additional Finance Charge Receivables: $0.00
Additional Total Receivables: $0.00
Discounted Receivables Generated this Period: $0.00
End of the Month Principal Receivables: $3,359,800,772.00
End of the Month Finance Charge Receivables: $176,434,172.53
End of the Month Discounted Receivables: $0.00
End of the Month Total Receivables: $3,536,234,944.53
Special Funding Account Balance $0.00
Aggregate Invested Amount (all Master Trust II Series) $2,300,000,000.00
End of the Month Transferor Amount $1,059,800,772.00
End of the Month Transferor Percentage 31.54%
DELINQUENCIES AND LOSSES
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End of the Month Delinquencies:
30-59 Days Delinquent $80,435,470.14
60-89 Days Delinquent $61,160,988.34
90+ Days Delinquent $121,901,390.32
Total 30+ Days Delinquent $263,497,848.80
Delinquent Percentage 7.45%
Defaulted Accounts During the Month $26,064,253.73
Annualized Default Percentage 9.15%
Feb-2001 1995-A Page 2
Principal Collections $381,896,977.48
Principal Payment Rate 11.18%
Total Payment Rate 12.02%
INITIAL INVESTED AMOUNTS
Class A Initial Invested Amount $368,000,000.00
Class B Initial Invested Amount $32,000,000.00
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TOTAL INITIAL INVESTED AMOUNT $400,000,000.00
INVESTED AMOUNTS
Class A Invested Amount $368,000,000.00
Class B Invested Amount $32,000,000.00
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TOTAL INVESTED AMOUNT $400,000,000.00
FLOATING ALLOCATION PERCENTAGE 11.70%
PRINCIPAL ALLOCATION PERCENTAGE 11.70%
MONTHLY SERVICING FEE $500,000.00
INVESTOR DEFAULT AMOUNT $3,050,796.60
CLASS A AVAILABLE FUNDS
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CLASS A FLOATING ALLOCATION PERCENTAGE 92.00%
Class A Finance Charge Collections $5,855,956.81
Other Amounts $0.00
TOTAL CLASS A AVAILABLE FUNDS $5,855,956.81
Class A Monthly Interest $1,665,455.56
Class A Servicing Fee $460,000.00
Class A Investor Default Amount $2,806,732.87
TOTAL CLASS A EXCESS SPREAD $923,768.38
REQUIRED AMOUNT $0.00
Feb-2001 1995-A Page 3
CLASS B AVAILABLE FUNDS
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CLASS B FLOATING ALLOCATION PERCENTAGE 8.00%
Class B Finance Charge Collections $509,213.64
Other Amounts $0.00
TOTAL CLASS B AVAILABLE FUNDS $509,213.64
Class B Monthly Interest $147,560.00
Class B Servicing Fee $40,000.00
TOTAL CLASS B EXCESS SPREAD $321,653.64
EXCESS SPREAD
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TOTAL EXCESS SPREAD $1,245,422.02
Excess Spread Applied to Required Amount $0.00
Excess Spread Applied to Class A Investor Charge Offs $0.00
Excess Spread Applied to Class B Items $244,063.73
Excess Spread Applied to Class B Investor Charge Offs $0.00
Excess Spread Applied to Monthly Cash Collateral Fee $24,888.88
Excess Spread Applied to Cash Collateral Account $0.00
Excess Spread Applied to Reserve Account $0.00
Excess Spread Applied to other amounts owed to
Cash Collateral Depositor $976,469.41
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR
GROUP I $0.00
Feb-2001 1995-A Page 4
EXCESS FINANCE CHARGE COLLECTIONS -- GROUP I
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TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL SERIES
IN GROUP I $0.00
SERIES 1995-A EXCESS FINANCE CHARGE COLLECTIONS
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EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO
SERIES 1995-A $0.00
Excess Finance Charge Collections applied to
Required Amount $0.00
Excess Finance Charge Collections applied to
Class A Investor Charge Offs $0.00
Excess Finance Charge Collections applied to
Class B Items $0.00
Excess Finance Charge Collections applied to
Class B Investor Charge Offs $0.00
Excess Finance Charge Collections applied to
Monthly Cash Collateral Fee $0.00
Excess Finance Charge Collections applied to
Cash Collateral Account $0.00
Excess Finance Charge Collections applied to
Reserve Account $0.00
Excess Finance Charge Collections applied to
other amounts owed Cash Collateral Depositor $0.00
YIELD AND BASE RATE
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Base Rate (Current Month) 7.83%
Base Rate (Prior Month) 8.14%
Base Rate (Two Months Ago) 8.97%
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THREE MONTH AVERAGE BASE RATE 8.31%
Portfolio Yield (Current Month) 9.94%
Portfolio Yield (Prior Month) 12.81%
Portfolio Yield (Two Months Ago) 12.49%
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THREE MONTH AVERAGE PORTFOLIO YIELD 11.75%
Feb-2001 1995-A Page 5
PRINCIPAL COLLECTIONS
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CLASS A PRINCIPAL PERCENTAGE 92.00%
Class A Principal Collections $41,124,630.33
CLASS B PRINCIPAL PERCENTAGE 8.00%
Class B Principal Collections $3,576,054.82
TOTAL PRINCIPAL COLLECTIONS $44,700,685.15
INVESTOR DEFAULT AMOUNT $3,050,796.60
REALLOCATED PRINCIPAL COLLECTIONS $0.00
SHARED PRINCIPAL COLLECTIONS ALLOCABLE
FROM OTHER SERIES $0.00
CLASS A ACCUMULATION
Controlled Accumulation Amount $0.00
Deficit Controlled Accumulation Amount $0.00
CONTROLLED DISTRIBUTION AMOUNT $0.00
CLASS B ACCUMULATION
Controlled Accumulation Amount $0.00
Deficit Controlled Accumulation Amount $0.00
CONTROLLED DISTRIBUTION AMOUNT $0.00
EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR
PRINCIPAL SHARING $47,751,481.75
INVESTOR CHARGE OFFS
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CLASS A INVESTOR CHARGE OFFS $0.00
CLASS B INVESTOR CHARGE OFFS $0.00
PREVIOUS CLASS A CHARGE OFFS REIMBURSED $0.00
PREVIOUS CLASS B CHARGE OFFS REIMBURSED $0.00
CASH COLLATERAL ACCOUNT
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Required Cash Collateral Amount $52,000,000.00
Available Cash Collateral Amount $52,000,000.00
Feb-2001 1995-A Page 6
INTEREST RATE CAP PAYMENTS
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Class A Interest Rate Cap Payments $0.00
Class B Interest Rate Cap Payments $0.00
TOTAL DRAW AMOUNT $0.00
CASH COLLATERAL ACCOUNT SURPLUS $0.00
First USA Bank, National Association
as Servicer
By: /s/ Tracie Klein
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Tracie H. Klein
First Vice President