Exhibit 99.3
Jun-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: $2,591,799,604.05
Beginning of the Month Finance Charge Receivables: $134,031,322.06
Beginning of the Month Discounted Receivables: $0.00
Beginning of the Month Total Receivables: $2,725,830,926.11
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: $2,591,257,172.52
End of the Month Finance Charge Receivables: $136,465,334.68
End of the Month Discounted Receivables: $0.00
End of the Month Total Receivables: $2,727,722,507.20
Special Funding Account Balance $0.00
Aggregate Adjusted Invested Amount (all Master Trust II Series) $1,482,000,000.00
End of the Month Transferor Amount $1,109,257,172.52
End of the Month Transferor Percentage 42.81%
DELINQUENCIES AND LOSSES
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End of the Month Delinquencies:
30-59 Days Delinquent $57,754,094.93
60-89 Days Delinquent $41,871,886.55
90+ Days Delinquent $79,055,181.70
Total 30+ Days Delinquent $178,681,163.18
Delinquent Percentage 6.55%
Defaulted Accounts During the Month $16,677,241.06
Annualized Default Percentage 7.72%
Jun-2002 1995-A Page 2
Principal Collections $278,726,653.98
Principal Payment Rate 10.75%
Total Payment Rate 11.63%
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 July 15, 2002
Class A Invested Amount $0.00
Class B Invested Amount $32,000,000.00
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TOTAL INVESTED AMOUNT $32,000,000.00
ADJUSTED INVESTED AMOUNTS, as of July 15, 2002
Class A Adjusted Invested Amount $0.00
Class B Adjusted Invested Amount $16,000,000.00
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TOTAL ADJUSTED INVESTED AMOUNT $16,000,000.00
FLOATING ALLOCATION PERCENTAGE 8.33%
PRINCIPAL ALLOCATION PERCENTAGE 15.43%
MONTHLY SERVICING FEE $40,000.00
INVESTOR DEFAULT AMOUNT $1,389,877.55
CLASS A AVAILABLE FUNDS
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CLASS A FLOATING ALLOCATION PERCENTAGE 0.00%
Class A Finance Charge Collections $2,960,780.54
Other Amounts $0.00
TOTAL CLASS A AVAILABLE FUNDS $2,960,780.54
Class A Monthly Interest $0.00
Class A Servicing Fee $0.00
Class A Investor Default Amount $1,183,969.76
TOTAL CLASS A EXCESS SPREAD $1,776,810.78
REQUIRED AMOUNT $0.00
Jun-2002 1995-A Page 3
CLASS B AVAILABLE FUNDS
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CLASS B FLOATING ALLOCATION PERCENTAGE 100.00%
Class B Finance Charge Collections $635,649.09
Other Amounts $0.00
TOTAL CLASS B AVAILABLE FUNDS $635,649.09
Class B Monthly Interest $54,755.56
Class B Servicing Fee $40,000.00
TOTAL CLASS B EXCESS SPREAD $540,893.53
EXCESS SPREAD
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TOTAL EXCESS SPREAD $2,317,704.31
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 $205,907.79
Excess Spread Applied to Class B Investor Charge Offs $0.00
Excess Spread Applied to Monthly Cash Collateral Fee $0.00
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 $2,111,796.52
Jun-2002 1995-A Page 4
EXCESS FINANCE CHARGE COLLECTIONS -- GROUP I
- --------------------------------------------
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL SERIES
IN GROUP I $9,588,561.84
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) 4.20%
Base Rate (Prior Month) 4.10%
Base Rate (Two Months Ago) 4.12%
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THREE MONTH AVERAGE BASE RATE 4.14%
Portfolio Yield (Current Month) 6.62%
Portfolio Yield (Prior Month) 12.64%
Portfolio Yield (Two Months Ago) 11.12%
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THREE MONTH AVERAGE PORTFOLIO YIELD 10.12%
Jun-2002 1995-A Page 5
PRINCIPAL COLLECTIONS
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CLASS A PRINCIPAL PERCENTAGE 92.00%
Class A Principal Collections $39,575,362.42
CLASS B PRINCIPAL PERCENTAGE 8.00%
Class B Principal Collections $3,441,335.86
TOTAL PRINCIPAL COLLECTIONS $43,016,698.28
INVESTOR DEFAULT AMOUNT $1,389,877.55
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 $16,000,000.00
Deficit Controlled Accumulation Amount $0.00
CONTROLLED DISTRIBUTION AMOUNT $16,000,000.00
EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR
PRINCIPAL SHARING $28,406,575.83
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 $4,000,000.00
Available Cash Collateral Amount $4,000,000.00
Jun-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/ Michael J. Grubb
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Michael J. Grubb
First Vice President