February 2002                                                       Exhibit 99.4

                      MONTHLY CERTIFICATEHOLDERS' STATEMENT

                         CC MASTER CREDIT CARD TRUST II
               (Formerly Chevy Chase Master Credit Card Trust II)
                                  SERIES 1995-C

     Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1995,
     (the "Pooling and Servicing Agreement"), among First USA Bank, National
     Association, ("First USA"), as Transferor and Servicer, and Bankers Trust
     Company, as Trustee (the "Trustee"), First USA as Servicer is required to
     prepare certain information each month regarding current distributions to
     Series 1995-C Certificateholders and the performance of the CC Master
     Credit Card Trust II (the "Trust") during the previous month. The
     information that is required to be prepared with respect to the March 15,
     2002, Distribution Date (referred to herein as the "Distribution Date"),
     and with respect to the performance of the Trust during the February 2002,
     Monthly Period (referred to herein as the "Monthly Period") is set forth
     below. Certain of the information is presented on the basis of an original
     principal amount of $1,000 per Series 1995-C Certificate (a "Certificate").
     Certain other information is presented based on the aggregate amounts for
     the Trust as a whole. Capitalized terms used in this Monthly Statement have
     their respective meanings set forth in the Pooling and Servicing Agreement.

     A)   Information Regarding Distributions to the
          Class A Certificateholders, per $1,000
          original certificate principal amount.

          (1)  The total amount of the distribution to Class A
               Certificateholders, per $1,000 original certificate   $1.6391667
               principal amount

          (2)  The amount of the distribution set forth in
               paragraph 1 above in respect of interest on
               the Class A Certificates, per $1,000 original
               certificate principal amount                          $1.6391667

          (3)  The amount of the distribution set forth in
               paragraph 1 above in respect of principal of
               the Class A Certificates, per $1,000 original
               certificate principal amount                          $0.0000000

     B)   Class A Investor Charge Offs and Reimbursement of
          Charge Offs

          (1)  The amount of Class A Investor Charge Offs            $0.0000000

          (2)  The amount of Class A Investor Charge Offs
               set forth in paragraph 1 above, per $1,000            $0.0000000
               original certificate principal amount

          (3)  The total amount reimbursed in respect of Class A
               Investor Charge Offs                                  $0.0000000



          (4)  The amount set forth in paragraph 3 above, per
               $1,000 original certificate principal amount          $0.0000000

          (5)  The amount, if any, by which the outstanding
               principal balance of the Class A Certificates
               exceeds the Class A Invested Amount after
               giving effect to all transactions on such
               Distribution Date                                     $0.0000000


     C)   Information Regarding Distributions to the Class B
          Certificateholders, per $1,000 original certificate
          principal amount

          (1)  The total amount of the distribution to Class B
               Certificateholders, per $1,000 original
               certificate principal amount                          $1.7363888

          (2)  The amount of the distribution set forth in
               paragraph 1 above in respect of interest on
               the Class B Certificates, per $1,000 original
               certificate principal amount                          $1.7363888

          (3)  The amount of the distribution set forth in
               paragraph 1 above in respect of principal on
               the Class B Certificates, per $1,000 original
               certificate principal amount                          $0.0000000

     D)   Class B Investor Charge Offs and Reimbursement of
          Charge Offs

          (1)  The amount of Class B Investor Charge Offs            $0.0000000

          (2)  The amount of Class B Investors Charge Offs
               set forth in paragraph 1 above, per $1,000
               original certificate principal amount                 $0.0000000

          (3)  The total amount reimbursed in respect of Class B
               Investor Charge Offs                                  $0.0000000

          (4)  The amount set forth in paragraph 3 above, per
               $1,000 original certificate principal amount          $0.0000000

          (5)  The amount, if any, by which the outstanding
               principal balance of the Class B Certificates
               exceeds the Class B Invested Amount after
               giving effect to all transactions on such
               Distribution Date                                     $0.0000000


                                            First USA Bank, National Association
                                            as Servicer

                                            By /s/ Tracie H. Klein
                                               ---------------------
                                                Tracie H. Klein
                                                First Vice President