Nov-2001 1995-A Page 1
EXHIBIT 99.3
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: $2,777,933,706.23
Beginning of the Month Finance Charge Receivables: $ 150,634,794.59
Beginning of the Month Discounted Receivables: $ 0.00
Beginning of the Month Total Receivables: $2,928,568,500.82
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: $2,756,407,831.91
End of the Month Finance Charge Receivables: $ 148,987,926.09
End of the Month Discounted Receivables: $ 0.00
End of the Month Total Receivables: $2,905,395,758.00
Special Funding Account Balance $ 0.00
Aggregate Invested Amount (all Master Trust II Series) $1,892,750,000.00
End of the Month Transferor Amount $ 863,657,831.91
End of the Month Transferor Percentage 31.33%
DELINQUENCIES AND LOSSES
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End of the Month Delinquencies:
30-59 Days Delinquent $ 71,247,027.17
60-89 Days Delinquent $ 52,402,505.87
90+ Days Delinquent $ 88,133,436.39
Total 30+ Days Delinquent $ 211,782,969.43
Delinquent Percentage 7.29%
Defaulted Accounts During the Month $ 17,934,754.24
Annualized Default Percentage 7.75%
Nov-2001 1995-A Page 2
Principal Collections $324,844,135.90
Principal Payment Rate 11.69%
Total Payment Rate 12.60%
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 14.40%
PRINCIPAL ALLOCATION PERCENTAGE 14.40%
MONTHLY SERVICING FEE $ 500,000.00
INVESTOR DEFAULT AMOUNT $ 2,582,459.64
CLASS A AVAILABLE FUNDS
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CLASS A FLOATING ALLOCATION PERCENTAGE 92.00%
Class A Finance Charge Collections $ 6,322,414.90
Other Amounts $ 0.00
TOTAL CLASS A AVAILABLE FUNDS $ 6,322,414.90
Class A Monthly Interest $ 762,168.89
Class A Servicing Fee $ 460,000.00
Class A Investor Default Amount $ 2,375,862.87
TOTAL CLASS A EXCESS SPREAD $ 2,724,383.14
REQUIRED AMOUNT $ 0.00
Nov-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 $ 549,775.21
Other Amounts $ 0.00
TOTAL CLASS B AVAILABLE FUNDS $ 549,775.21
Class B Monthly Interest $ 69,404.44
Class B Servicing Fee $ 40,000.00
TOTAL CLASS B EXCESS SPREAD $ 440,370.77
EXCESS SPREAD
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TOTAL EXCESS SPREAD $3,164,753.91
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 $ 206,596.77
Excess Spread Applied to Class B Investor Charge Offs $ 0.00
Excess Spread Applied to Monthly Cash Collateral Fee $ 29,866.67
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 $ 0.00
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR
GROUP I $2,928,290.47
Nov-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 $13,899,537.19
SERIES 1995-A EXCESS FINANCE CHARGE COLLECTIONS
- -----------------------------------------------
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) 4.34%
Base Rate (Prior Month) 4.78%
Base Rate (Two Months Ago) 5.75%
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THREE MONTH AVERAGE BASE RATE 4.96%
Portfolio Yield (Current Month) 12.87%
Portfolio Yield (Prior Month) 12.69%
Portfolio Yield (Two Months Ago) 10.45%
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THREE MONTH AVERAGE PORTFOLIO YIELD 12.00%
Nov-2001 1995-A Page 5
PRINCIPAL COLLECTIONS
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CLASS A PRINCIPAL PERCENTAGE 92.00%
Class A Principal Collections $43,032,935.50
CLASS B PRINCIPAL PERCENTAGE 8.00%
Class B Principal Collections $ 3,741,994.41
TOTAL PRINCIPAL COLLECTIONS $46,774,929.91
INVESTOR DEFAULT AMOUNT $ 2,582,459.64
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 $49,357,389.55
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
Nov-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 H. Klein
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Tracie H. Klein
First Vice President