Exhibit 28A
First Chicago Credit Card Master Trust II
Excess Spread Analysis - April 2002
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Series 95-M 95-O 96-S 97-U 99-X 99-Y
Deal Size $500MM $500MM $700MM $400MM $750MM $550MM
Expected Maturity 10/15/02 12/16/02 12/16/02 10/15/02 6/16/03 8/15/03
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Yield 19.82% 19.82% 19.82% 19.82% 19.82% 19.82%
Less: Coupon 2.12% 2.13% 2.04% 2.02% 2.11% 2.12%
Servicing Fee 1.50% 1.50% 1.50% 1.50% 1.50% 1.50%
Net Credit Losses 6.44% 6.44% 6.44% 6.44% 6.44% 6.44%
Excess Spread:
April-02 9.76% 9.75% 9.84% 9.86% 9.77% 9.76%
March-02 11.07% 11.06% 11.15% 11.17% 11.08% 11.07%
February-02 10.52% 10.52% 10.60% 10.62% 10.53% 10.53%
Three Month Average Excess Spread 10.45% 10.44% 10.53% 10.55% 10.46% 10.45%
Delinquency:
30 to 59 Days 1.25% 1.25% 1.25% 1.25% 1.25% 1.25%
60 to 89 Days 0.85% 0.85% 0.85% 0.85% 0.85% 0.85%
90+ Days 1.70% 1.70% 1.70% 1.70% 1.70% 1.70%
Total 3.79% 3.79% 3.79% 3.79% 3.79% 3.79%
Payment Rate 29.37% 29.37% 29.37% 29.37% 29.37% 29.37%
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