Exhibit 99.3
Apr-2002 1995-A Page 1
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: $2,606,203,699.74
Beginning of the Month Finance Charge Receivables: $137,951,283.81
Beginning of the Month Discounted Receivables: $0.00
Beginning of the Month Total Receivables: $2,744,154,983.55
Removed Principal Receivables: $8,675,799.67
Removed Finance Charge Receivables: $177,881.08
Removed Total Receivables: $8,853,680.75
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: $2,611,210,024.32
End of the Month Finance Charge Receivables: $136,943,111.55
End of the Month Discounted Receivables: $0.00
End of the Month Total Receivables: $2,748,153,135.87
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 $761,210,024.32
End of the Month Transferor Percentage 29.15%
DELINQUENCIES AND LOSSES
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End of the Month Delinquencies:
30-59 Days Delinquent $61,581,618.45
60-89 Days Delinquent $44,852,084.65
90+ Days Delinquent $84,263,918.94
Total 30+ Days Delinquent $190,697,622.04
Delinquent Percentage 6.94%
Defaulted Accounts During the Month $18,199,011.04
Annualized Default Percentage 8.38%
Apr-2002 1995-A Page 2
Principal Collections $284,391,203.76
Principal Payment Rate 10.91%
Total Payment Rate 11.79%
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, as of May 15, 2002
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
ADJUSTED INVESTED AMOUNTS, as of May 15, 2002
Class A Adjusted Invested Amount $184,000,000.00
Class B Adjusted Invested Amount $32,000,000.00
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TOTAL ADJUSTED INVESTED AMOUNT $216,000,000.00
FLOATING ALLOCATION PERCENTAGE 15.35%
PRINCIPAL ALLOCATION PERCENTAGE 15.35%
MONTHLY SERVICING FEE $500,000.00
INVESTOR DEFAULT AMOUNT $2,789,796.38
CLASS A AVAILABLE FUNDS
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CLASS A FLOATING ALLOCATION PERCENTAGE 92.00%
Class A Finance Charge Collections $5,975,413.66
Other Amounts $0.00
TOTAL CLASS A AVAILABLE FUNDS $5,975,413.66
Class A Monthly Interest $647,066.67
Class A Servicing Fee $460,000.00
Class A Investor Default Amount $2,566,612.67
TOTAL CLASS A EXCESS SPREAD $2,301,734.32
REQUIRED AMOUNT $0.00
Apr-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 $519,601.18
Other Amounts $0.00
TOTAL CLASS B AVAILABLE FUNDS $519,601.18
Class B Monthly Interest $59,200.00
Class B Servicing Fee $40,000.00
TOTAL CLASS B EXCESS SPREAD $420,401.18
EXCESS SPREAD
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TOTAL EXCESS SPREAD $2,722,135.50
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 $223,183.71
Excess Spread Applied to Class B Investor Charge Offs $0.00
Excess Spread Applied to Monthly Cash Collateral Fee $28,000.00
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 $2,470,951.79
Apr-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 $11,302,020.10
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) 4.12%
Base Rate (Prior Month) 4.16%
Base Rate (Two Months Ago) 4.11%
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THREE MONTH AVERAGE BASE RATE 4.13%
Portfolio Yield (Current Month) 11.12%
Portfolio Yield (Prior Month) 13.96%
Portfolio Yield (Two Months Ago) 10.80%
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THREE MONTH AVERAGE PORTFOLIO YIELD 11.96%
Apr-2002 1995-A Page 5
PRINCIPAL COLLECTIONS
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CLASS A PRINCIPAL PERCENTAGE 92.00%
Class A Principal Collections $40,154,572.41
CLASS B PRINCIPAL PERCENTAGE 8.00%
Class B Principal Collections $3,491,701.95
TOTAL PRINCIPAL COLLECTIONS $43,646,274.36
INVESTOR DEFAULT AMOUNT $2,789,796.38
REALLOCATED PRINCIPAL COLLECTIONS $0.00
SHARED PRINCIPAL COLLECTIONS ALLOCABLE
FROM OTHER SERIES $137,563,929.26
CLASS A ACCUMULATION
Controlled Accumulation Amount $184,000,000.00
Deficit Controlled Accumulation Amount $0.00
CONTROLLED DISTRIBUTION AMOUNT $184,000,000.00
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 $0.00
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
Apr-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
/s/ Tracie Klein
By: _____________________________
Tracie H. Klein
First Vice President