EXHIBIT 28.A
First Chicago Credit Card Master Trust II
Excess Spread Analysis - April 2001
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Series 95-M 95-O 96-Q 96-S 97-U 98-V
Deal Size $500MM $500MM $900MM $700MM $400MM $1BIL
Expected Maturity 10/15/02 12/16/02 2/15/02 12/16/02 10/15/02 10/15/01
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Yield 22.63% 22.63% 22.63% 22.63% 22.63% 22.63%
Less Coupon 5.29% 5.29% 5.18% 5.20% 5.18% 5.34%
Servicing Fee 1.50% 1.50% 1.50% 1.50% 1.50% 1.50%
Net Credit Losses 7.39% 7.39% 7.39% 7.39% 7.39% 7.39%
Excess Spread:
April-01 8.46% 8.45% 8.56% 8.54% 8.56% 8.40%
March-01 9.17% 9.17% 9.27% 9.26% 9.27% 9.09%
February-01 8.08% 8.07% 8.18% 8.16% 8.18% 7.99%
Three Month Average Excess Spread 8.57% 8.56% 8.67% 8.65% 8.67% 8.49%
Delinquency:
30 to 59 Days 1.29% 1.29% 1.29% 1.29% 1.29% 1.29%
60 to 89 Days 0.91% 0.91% 0.91% 0.91% 0.91% 0.91%
90+ Days 1.95% 1.95% 1.95% 1.95% 1.95% 1.95%
Total 4.15% 4.15% 4.15% 4.15% 4.15% 4.15%
Payment Rate 31.18% 31.18% 31.18% 31.18% 31.18% 31.18%
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Series 99-W 99-X 99-Y
Deal Size $750MM $750MM $550MM
Expected Maturity 3/15/02 6/16/03 8/15/03
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Yield 22.63% 22.63% 22.63%
Less Coupon 5.24% 5.28% 5.28%
Servicing Fee 1.50% 1.50% 1.50%
Net Credit Losses 7.39% 7.39% 7.39%
Excess Spread:
April-01 8.50% 8.46% 8.46%
March-01 9.22% 9.22% 9.22%
February-01 8.12% 8.09% 8.08%
Three Month Average Excess Spread 8.61% 8.58% 8.58%
Delinquency:
30 to 59 Days 1.29% 1.29% 1.29%
60 to 89 Days 0.91% 0.91% 0.91%
90+ Days 1.95% 1.95% 1.95%
Total 4.15% 4.15% 4.15%
Payment Rate 31.18% 31.18% 31.18%
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