Exhibit 99.6
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MONTHLY STATEMENT TO CERTIFICATEHOLDERS
SERIES 1996-A
CC MASTER CREDIT CARD TRUST II
(Formerly Chevy Chase Master Credit Card Trust II)
RECEIVABLES
Beginning of the Month Principal Receivables: $ 2,642,515,677.67
Beginning of the Month Finance Charge Receivables: $ 125,027,951.06
Beginning of the Month Discounted Receivables: $ 0.00
Beginning of the Month Total Receivables: $ 2,767,543,628.73
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: $ 2,586,368,062.66
End of the Month Finance Charge Receivables: $ 122,607,153.01
End of the Month Discounted Receivables: $ 0.00
End of the Month Total Receivables: $ 2,708,975,215.67
Special Funding Account Balance $ 0.00
Aggregate Invested Amount (all Master Trust Series) $ 2,300,000,000.00
End of the Month Transferor Amount $ 286,368,062.66
End of the Month Transferor Percentage 11.07%
DELINQUENCIES AND LOSSES
End of the Month Delinquencies: RECEIVABLES
30-59 Days Delinquent $ 60,956,641.78
60-89 Days Delinquent $ 43,310,220.02
90+ Days Delinquent $ 96,555,073.18
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Total 30+ Days Delinquent $ 200,821,934.98
Delinquent Percentage 7.41%
Defaulted Accounts During the Month $ 19,747,856.25
Annualized Default Percentage 8.97%
Principal Collections 353,804,386.57
Principal Payment Rate 13.39%
Total Payment Rate 14.36%
INVESTED AMOUNTS
Class A Initial Invested Amount $ 369,000,000.00
Class B Initial Invested Amount $ 38,250,000.00
Class C Initial Invested Amount $ 42,750,000.00
INITIAL INVESTED AMOUNT $ 450,000,000.00
Class A Invested Amount $ 369,000,000.00
Class B Invested Amount $ 38,250,000.00
Class C Invested Amount $ 42,750,000.00
INVESTED AMOUNT $ 450,000,000.00
FLOATING ALLOCATION PERCENTAGE 17.03%
PRINCIPAL ALLOCATION PERCENTAGE 17.03%
MONTHLY SERVICING FEE $ 562,500.00
INVESTOR DEFAULT AMOUNT $ 3,362,901.94
CLASS A AVAILABLE FUNDS--
CLASS A FLOATING PERCENTAGE 82.00%
Class A Finance Charge Collections $ 6,547,947.53
Other Amounts $ 0.00
TOTAL CLASS A AVAILABLE FUNDS $ 6,547,947.53
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Class A Monthly Interest $ 1,793,903.75
Class A Servicing Fee $ 461,250.00
Class A Investor Default Amount $ 2,757,579.59
TOTAL CLASS A EXCESS SPREAD $ 1,535,214.19
REQUIRED AMOUNT $ 0.00
CLASS B AVAILABLE FUNDS
CLASS B FLOATING PERCENTAGE 8.50%
Class B Finance Charge Collections $ 678,750.64
Other Amounts $ 0.00
TOTAL CLASS B AVAILABLE FUNDS $ 678,750.64
Class B Monthly Interest $ 192,886.25
Class B Servicing Fee $ 47,812.50
TOTAL CLASS B EXCESS SPREAD $ 438,051.89
CLASS B INVESTOR DEFAULT AMOUNT 285,846.67
CLASS B REQUIRED AMOUNT 285,846.67
EXCESS SPREAD --
TOTAL EXCESS SPREAD $ 2,678,432.27
Excess Spread Applied to Class A Required Amount $ 0.00
Excess Spread Applied to Class A Investor
Charge Offs $ 0.00
Excess Spread Applied to Class B
Required Amount $ 285,846.67
Excess Spread Applied to Reductions of $ 0.00
Class B Invested Amount
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Excess Spread Applied to Class C Required Amount $ 556,577.87
Excess Spread Applied to Reductions of
Class C Invested Amount $ 0.00
Excess Spread Applied to Monthly Cash $ 93,750.00
Collateral Fee
Excess Spread Applied to Cash Collateral $ 0.00
Account
Excess Spread Applied to Spread Account $ 1,658,639.20
Excess Spread Applied to Reserve Account $ 0.00
Excess Spread Applied to other amounts owed $ 0.00
Cash Collateral Depositor
Excess Spread Applied to other amounts owed to
Spread Account Residual Interest Holders $ 0.00
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE
FOR GROUP I $ 83,618.53
EXCESS FINANCE CHARGES COLLECTIONS -- GROUP I --
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL
SERIES IN GROUP I $ 145,515.42
SERIES 1996-A EXCESS FINANCE CHARGE COLLECTIONS --
EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO $ 0.00
SERIES 1996-A
Excess Finance Charge Collections Applied to
Class A 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 Required Amount $ 0.00
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Excess Finance Charge Collections Applied to
Reductions of Class B Invested Amount $ 0.00
Excess Finance Charge Collections Applied to
Class C Required Amount $ 0.00
Excess Finance Charge Collections Applied to
Reductions of Class C Invested Amount $ 0.00
Excess Finance Charge Collections Applied to
Monthly Cash Collateral Fee $ 0.00
Excess Finance Charge Collections Applied to
other amounts owed Cash Collateral Depositor $ 0.00
Excess Finance Charge Collections Applied to
other amounts owed to Spread Account Residual Interest
Holders $ 0.00
YIELD AND BASE RATE --
Base Rate (Current Month) 8.13%
Base Rate (Prior Month) 8.04%
Base Rate (Two Months Ago) 8.71%
THREE MONTH AVERAGE BASE RATE 8.29%
Portfolio Yield (Current Month) 12.33%
Portfolio Yield (Prior Month) 11.84%
Portfolio Yield (Two Months Ago) 13.48%
THREE MONTH AVERAGE PORTFOLIO YIELD 12.55%
PRINCIPAL COLLECTIONS --
TOTAL PRINCIPAL COLLECTIONS $ 60,250,056.56
REALLOCATED PRINCIPAL COLLECTIONS
Allocable to Class C Interests $ 0.00
Allocable to Class B Certificates $ 0.00
SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER $ 0.00
SERIES
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CLASS A SCHEDULED AMORTIZATION --
Controlled Amortization Amount $ 0.00
Deficit Controlled Amortization Amount $ 0.00
CONTROLLED DEPOSIT AMOUNT $ 0.00
CLASS B SCHEDULED AMORTIZATION --
Controlled Accumulation Amount $ 0.00
Deficit Controlled Accumulation Amount $ 0.00
CONTROLLED DEPOSIT AMOUNT $ 0.00
EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR PRINCIPAL $ 60,250,056.56
SHARING
INVESTOR CHARGE OFFS --
CLASS A INVESTOR CHARGE OFFS $ 0.00
CLASS B INVESTOR CHARGE OFFS $ 0.00
CLASS C INVESTOR CHARGE OFFS $ 0.00
PREVIOUS CLASS A CHARGE OFFS REIMBURSED $ 0.00
PREVIOUS CLASS B CHARGE OFFS REIMBURSED $ 0.00
PREVIOUS CLASS C CHARGE OFFS REIMBURSED $ 0.00
CASH COLLATERAL ACCOUNT --
Required Cash Collateral Amount $ 13,500,000.00
Available Cash Collateral Amount $ 13,500,000.00
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TOTAL DRAW AMOUNT $ 0.00
CASH COLLATERAL ACCOUNT SURPLUS $ 0.00
First USA Bank, NA,
as Servicer
By /s/ Tracie H. Klein
-----------------------------------
Tracie H. Klein
First Vice President