Mar-2002 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: $2,668,455,029.71
Beginning of the Month Finance Charge Receivables: $ 148,493,762.13
Beginning of the Month Discounted Receivables: $ 0.00
Beginning of the Month Total Receivables: $2,816,948,791.84
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: $2,606,203,699.74
End of the Month Finance Charge Receivables: $ 137,951,283.81
End of the Month Discounted Receivables: $ 0.00
End of the Month Total Receivables: $2,744,154,983.55
Special Funding Account Balance $ 0.00
Aggregate Invested Amount (all Master Trust II Series) $1,850,000,000.00
End of the Month Transferor Amount $ 756,203,699.74
End of the Month Transferor Percentage 29.02%
DELINQUENCIES AND LOSSES
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End of the Month Delinquencies:
30-59 Days Delinquent $ 64,466,687.15
60-89 Days Delinquent $ 43,292,727.91
90+ Days Delinquent $ 88,922,141.59
Total 30+ Days Delinquent $ 196,681,556.65
Delinquent Percentage 7.17%
Defaulted Accounts During the Month $ 19,508,763.94
Annualized Default Percentage 8.77%
Mar-2002 1995-A Page 2
Principal Collections $331,496,950.79
Principal Payment Rate 12.42%
Total Payment Rate 13.44%
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 14.99%
PRINCIPAL ALLOCATION PERCENTAGE 14.99%
MONTHLY SERVICING FEE $ 500,000.00
INVESTOR DEFAULT AMOUNT $ 2,924,353.42
CLASS A AVAILABLE FUNDS
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CLASS A FLOATING ALLOCATION PERCENTAGE 92.00%
Class A Finance Charge Collections $ 6,969,938.82
Other Amounts $ 0.00
TOTAL CLASS A AVAILABLE FUNDS $ 6,969,938.82
Class A Monthly Interest $ 681,311.11
Class A Servicing Fee $ 460,000.00
Class A Investor Default Amount $ 2,690,405.14
TOTAL CLASS A EXCESS SPREAD $ 3,138,222.57
REQUIRED AMOUNT $ 0.00
Mar-2002 1995-A Page 3
CLASS B AVAILABLE FUNDS
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CLASS B FLOATING ALLOCATION PERCENTAGE 8.00%
Class B Finance Charge Collections $ 606,081.64
Other Amounts $ 0.00
TOTAL CLASS B AVAILABLE FUNDS $ 606,081.64
Class B Monthly Interest $ 62,275.56
Class B Servicing Fee $ 40,000.00
TOTAL CLASS B EXCESS SPREAD $ 503,806.08
EXCESS SPREAD
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TOTAL EXCESS SPREAD $3,642,028.65
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 $ 233,948.28
Excess Spread Applied to Class B Investor Charge Offs $ 0.00
Excess Spread Applied to Monthly Cash Collateral Fee $ 28,933.33
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 $3,379,147.04
Mar-2002 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 $15,504,466.54
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) 4.16%
Base Rate (Prior Month) 4.11%
Base Rate (Two Months Ago) 4.08%
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THREE MONTH AVERAGE BASE RATE 4.11%
Portfolio Yield (Current Month) 13.96%
Portfolio Yield (Prior Month) 10.80%
Portfolio Yield (Two Months Ago) 12.81%
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THREE MONTH AVERAGE PORTFOLIO YIELD 12.52%
Mar-2002 1995-A Page 5
PRINCIPAL COLLECTIONS
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CLASS A PRINCIPAL PERCENTAGE 92.00%
Class A Principal Collections $45,715,920.48
CLASS B PRINCIPAL PERCENTAGE 8.00%
Class B Principal Collections $ 3,975,297.42
TOTAL PRINCIPAL COLLECTIONS $49,691,217.90
INVESTOR DEFAULT AMOUNT $ 2,924,353.42
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 $52,615,571.32
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
Mar-2002 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