Exhibit 28.D
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, National Association
FIRST CHICAGO MASTER TRUST II
Series 1995-O
January 10, 2002
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 January 15, 2002 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. $ 85.046
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
$ 83.333
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
$ 1.712
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
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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 $1,871,158,709.18
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 $ 186,860,067.17
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 $ 163,502,558.62
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 $ 327.005
e. The amount of Excess Spread for the Due Period with respect to the
current Distribution Date $ 5,774,951.40
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) $13,222,935,052.38
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 4.321%
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 4.321%
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 $ 602,308,605.53
4. Investor Default Amount
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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 $ 3,218,324.15
2. Recoveries $ 180,315.45
3. Net Default Receivables $ 3,038,008.70
Series 1995-O
b. The Class A Investor Default Amount
1. Investor Default Amount $ 2,816,033.63
2. Recoveries $ 157,776.02
3. Net Default Receivables $ 2,658,257.61
c. The Collateral Investor Default Amount
1. Investor Default Amount $ 402,290.52
2. Recoveries $ 22,539.43
3. Net Default Receivables $ 379,751.09
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
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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 1.247%
8. Collateral Invested Amount
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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 $64,925,680.92
9. Total Enhancement Series 1995-O
---------------------
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 $70,639,966.92
C. The Pool Factor
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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 91.66666667%
D. Deficit Controlled Amortization Amount
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1. The Deficit Controlled Amortization Amount for the preceding Due Period $ 0.00