<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) November 15, 1999
-----------------
FIRST USA BANK, NATIONAL ASSOCIATION
- --------------------------------------------------------------------------------
(Exact name of registrant as specified in its charter)
(As Servicer on behalf of FIRST CHICAGO MASTER TRUST II)
Laws of the United States 0-16337 51-0269396
------------------------- ------- ----------
(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation or organization) Identification Number)
201 North Walnut Street, Wilmington, Delaware 19801
- ------------------------------------------------------------------------------
(Address of principal executive offices) (Zip Code)
302/594-4117
- --------------------------------------------------
Registrant's telephone number, including area code
N/A
- --------------------------------------------------------------------------
(Former name, former address and former fiscal year, if changed since last
report)
<PAGE>
Item 5. Other Events
The Registrants hereby incorporated by reference the information contained
in Exhibit 28 hereto in response to this Item 5.
Item 7. Financial Statements and Exhibits
(c) Exhibits
28A. Monthly Servicer's Certificate -
Floating Rate Asset Backed Certificates Series 1994-J
Floating Rate Credit Card Certificates Series 1994-K
7.15% Credit Card Certificates Series 1994-L
Floating Rate Credit Card Certificates Series 1995-M
Floating Rate Credit Card Certificates Series 1995-O
Floating Rate Credit Card Certificates Series 1995-P
Floating Rate Asset Backed Certificates Series 1996-Q
Floating Rate Asset Backed Certificates Series 1996-R
Floating Rate Asset Backed Certificates Series 1996-S
Floating Rate Asset Backed Certificates Series 1997-T
Floating Rate Asset Backed Certificates Series 1997-U
Floating Rate Asset Backed Certificates Series 1998-V
Floating Rate Asset Backed Certificates Series 1999-W
Floating Rate Asset Backed Certificates Series 1999-X
Floating Rate Asset Backed Certificates Series 1999-Y
28B. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1994-J
28C. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Credit Card Certificates Series 1994-K
28D. Certificateholder's Payment Date Statement - First Chicago Master
Trust II 7.15% Credit Card Certificates Series 1994-L
28E. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Credit Card Certificates Series 1995-M
28F. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Credit Card Certificates Series 1995-O
28G. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Credit Card Certificates Series 1995-P
28H. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1996-Q
28I. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1996-R
<PAGE>
28J. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1996-S
28K. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1997-T
28L. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1997-U
28M. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1998-V
28N. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1999-W
28O. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1999-X
28P. Certificateholder's Payment Date Statement - First Chicago Master
Trust II Floating Rate Asset Backed Certificates Series 1999-Y
<PAGE>
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.
FIRST USA BANK, NATIONAL ASSOCIATION
As Servicer
By: /s/ Tracie H. Klein
-------------------
Name: Tracie H. Klein
Title: First Vice President
Date: November 15, 1999
-----------------
<PAGE>
INDEX TO EXHIBITS
Exhibit Number Description of Exhibit
- ---------------------------------------------------------------------------
28A. Monthly Servicer's Certificate -
Floating Rate Asset Backed Certificates Series 1994-J
Floating Rate Credit Card Certificates Series 1994-K
7.15% Credit Card Certificates Series 1994-L
Floating Rate Credit Card Certificates Series 1995-M
Floating Rate Credit Card Certificates Series 1995-O
Floating Rate Credit Card Certificates Series 1995-P
Floating Rate Asset Backed Certificates Series 1996-Q
Floating Rate Asset Backed Certificates Series 1996-R
Floating Rate Asset Backed Certificates Series 1996-S
Floating Rate Asset Backed Certificates Series 1997-T
Floating Rate Asset Backed Certificates Series 1997-U
Floating Rate Asset Backed Certificates Series 1998-V
Floating Rate Asset Backed Certificates Series 1999-W
Floating Rate Asset Backed Certificates Series 1999-X
Floating Rate Asset Backed Certificates Series 1999-Y
28B. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1994-J
28C. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Credit Card Certificates
Series 1994-K
28D. Certificateholder's Payment Date Statement - First Chicago
Master Trust II 7.15% Credit Card Certificates Series 1994-L
28E. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Credit Card Certificates
Series 1995-M
28F. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Credit Card Certificates
Series 1995-O
28G. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Credit Card Certificates
Series 1995-P
28H. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1996-Q
28I. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1996-R
28J. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1996-S
<PAGE>
28K. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1997-T
28L. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1997-U
28M. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1998-V
28N. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1999-W
28O. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1999-X
28P. Certificateholder's Payment Date Statement - First Chicago
Master Trust II Floating Rate Asset Backed Certificates
Series 1999-Y
<PAGE>
EXHIBIT 28A
MONTHLY SERVICER'S CERTIFICATE
First USA Bank, N.A.
_______________________________________________________________
First Chicago Master Trust II
November 9, 1999
_______________________________________________________________
The undersigned, duly authorized representatives of First USA Bank, National
Association ("First USA"), as Servicer pursuant to the Pooling and Servicing
Agreement dated as of June 1, 1990, as amended and restated as of September 1,
1999, as amended and supplemented, (the "Pooling and Servicing Agreement") by
and between First USA, as Seller and Servicer and Norwest Bank Minnesota,
National Association, as Trustee, does hereby certify as follows:
1. Capitalized terms used in this Certificate have
their respective meanings set forth in the
Pooling and Servicing Agreement.
2. First USA is as of the date hereof the Seller and
Servicer under the Pooling and Servicing Agreement.
3. The undersigned are Servicing Officers.
4. The aggregate amount of Collections processed for
the Due Period for this Distribution Date was
equal to $4,588,830,556.88
5. (a) The aggregate amount of such Collections
allocated to Principal Receivables for
the Due Period for this Distribution Date was
equal to $4,338,544,070.48
(b) The aggregate amount of such Collections
allocated to Finance Charge Receivables for
the Due Period for this Distribution Date was
equal to $250,286,486.40
6. (a) The aggregate Interchange Amount (which
will be included as Finance Charge Receivables
for all Series) for this Distribution Date was
equal to $69,416,705.13
(b) The aggregate Net Recoveries Amount (which
will be included as Finance Charge Receivables
for all Series) for this Distribution Date was
equal to $5,107,917.17
<PAGE>
7. The Invested Percentage of Collections allocated to Principal Receivables
for the Due Period was equal to for:
Series 1994-J 3.105%
Series 1994-K 3.105%
Series 1994-L 3.105%
Series 1995-M 3.548%
Series 1995-O 3.548%
Series 1995-P 3.548%
Series 1996-Q 6.386%
Series 1996-R 2.838%
Series 1996-S 4.967%
Series 1997-T 4.258%
Series 1997-U 2.838%
Series 1998-V 7.096%
Series 1999-W 5.322%
Series 1999-X 5.322%
Series 1999-Y 3.903%
2
<PAGE>
8. The Invested Percentage of Collections allocated to Finance Charge
Receivables for the Due Period was equal to for:
Series 1994-J 0.259%
Series 1994-K 1.035%
Series 1994-L 1.035%
Series 1995-M 3.548%
Series 1995-O 3.548%
Series 1995-P 3.548%
Series 1996-Q 6.386%
Series 1996-R 1.642%
Series 1996-S 4.967%
Series 1997-T 4.258%
Series 1997-U 2.838%
Series 1998-V 7.096%
Series 1999-W 5.322%
Series 1999-X 5.322%
Series 1999-Y 3.903%
3
<PAGE>
9. The Invested Percentage with respect to the Investor Default Amount for
the Due Period was equal to for:
Series 1994-J 0.259%
Series 1994-K 1.035%
Series 1994-L 1.035%
Series 1995-M 3.548%
Series 1995-O 3.548%
Series 1995-P 3.548%
Series 1996-Q 6.386%
Series 1996-R 1.642%
Series 1996-S 4.967%
Series 1997-T 4.258%
Series 1997-U 2.838%
Series 1998-V 7.096%
Series 1999-W 5.322%
Series 1999-X 5.322%
Series 1999-Y 3.903%
4
<PAGE>
10. The aggregate amount of drawings or payments, if any, under the
Enhancement, if any, required to be made on the next succeeding
Distribution Date is equal to for:
Series 1994-J $0.00
Series 1994-K $0.00
Series 1994-L $0.00
Series 1995-M $0.00
Series 1995-O $0.00
Series 1995-P $0.00
Series 1996-Q $0.00
Series 1996-R $0.00
Series 1996-S $0.00
Series 1997-T $0.00
Series 1997-U $0.00
Series 1998-V $0.00
Series 1999-W $0.00
Series 1999-X $0.00
Series 1999-Y $0.00
5
<PAGE>
11. The amount of interest due on the Cash Collateral Account loan, if
applicable, required to be paid on the next Distribution Date is equal to
for:
Series 1994-J $ 0.00
Series 1994-K $6,972.13
Series 1994-L $2,793.79
Series 1995-M $ 0.00
Series 1995-O $ 0.00
Series 1995-P $ 0.00
Series 1996-Q $ 0.00
Series 1996-R $ 0.00
Series 1996-S $ 0.00
Series 1997-T $ 0.00
Series 1997-U $ 0.00
Series 1998-V $ 0.00
Series 1999-W $ 0.00
Series 1999-X $ 0.00
Series 1999-Y $ 0.00
6
<PAGE>
12. The amount of Monthly Servicing Fee required to be paid on the next
succeeding Distribution Date is equal to for:
Series 1994-J $ 52,083.34
Series 1994-K $ 208,333.33
Series 1994-L $ 208,333.33
Series 1995-M $ 714,285.72
Series 1995-O $ 714,285.72
Series 1995-P $ 714,285.72
Series 1996-Q $1,285,714.28
Series 1996-R $ 330,580.79
Series 1996-S $1,000,000.00
Series 1997-T $ 857,142.85
Series 1997-U $ 571,428.58
Series 1998-V $1,428,571.43
Series 1999-W $1,071,428.57
Series 1999-X $1,071,428.57
Series 1999-Y $ 785,714.29
7
<PAGE>
13. The aggregate amount payable to the Investor Certificateholders on the
succeeding Distribution Date in respect of interest is equal to for:
Series 1994-J $ 202,989.00
Series 1994-K $ 807,291.67
Series 1994-L $ 993,055.56
Series 1995-M $2,789,384.93
Series 1995-O $2,791,537.70
Series 1995-P $2,763,859.13
Series 1996-Q $4,930,660.72
Series 1996-R $1,255,856.51
Series 1996-S $3,846,544.06
Series 1997-T $3,259,797.62
Series 1997-U $2,191,404.77
Series 1998-V $5,736,468.75
Series 1999-W $4,212,342.30
Series 1999-X $4,180,327.24
Series 1999-Y $3,064,940.48
8
<PAGE>
14. The aggregate amount payable to the Investor Certificateholders on the
succeeding Distribution Date in respect of principal is equal to for:
Series 1994-J $41,666,666.63
Series 1994-K $41,666,666.67
Series 1994-L $41,666,666.67
Series 1995-M $ 0.00
Series 1995-O $ 0.00
Series 1995-P $ 0.00
Series 1996-Q $ 0.00
Series 1996-R $38,535,642.33
Series 1996-S $ 0.00
Series 1997-T $ 0.00
Series 1997-U $ 0.00
Series 1998-V $ 0.00
Series 1999-W $ 0.00
Series 1999-X $ 0.00
Series 1999-Y $ 0.00
9
<PAGE>
15. The excess, if any, of the Seller Amount over the
Aggregate Principal Receivables required to be
maintained pursuant to the Agreement.................... $5,977,012,213.73
16. The Seller Amount for the Due Period divided by
Aggregate Principal Receivables for the Due
Period.................................................. 45.293%
17. The Minimum Seller's Interest Percentage................ 7.000%
18. Attached hereto is a true and correct copy of the
statement required to be delivered by the Servicer
on the date of this Certificate to the Trustee in
respect of each Series of outstanding pursuant to
Section 5.02(a) of the Agreement, if applicable.
19. As of the date hereof, to the best knowledge of
the undersigned, no default in the performance of
the obligation of the Servicer under the Pooling and
Servicing Agreement has occurred or is continuing
except as follows: NONE
20. As of the date hereof no Liquidation Event has been
deemed to have occurred for the Due Period for this
Distribution Date with respect to any Series.
21. As of the date hereof, to the best of the knowledge
of the undersigned, no Lien has been placed on any
of the Receivables other than the Lien granted by
the Pooling and Servicing Agreement.
22. During the preceding calendar month, the number of
newly - originated Accounts was......................... 15,115
10
<PAGE>
MONTHLY SERVICER'S CERTIFICATE
Signature Page
IN WITNESS WHEREOF, the undersigned have duly executed and delivered this
certificate the date first set forth above.
First USA Bank, N.A.
As Servicer
By: /s/ TRACIE KLEIN
------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28B
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1994-J
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1994-J
Supplement dated as of May 1, 1994 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Certificateholders and the
performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of $1,000
Original Principal Amount)
1. The total amount of the distribution to Series 1994-J
Certificateholders on the Payment Date per $1,000 interest. $83.739
2. The amount of the distribution set forth in paragraph
1 above in respect of principal on the Series 1994-J
Certificates, per $1,000 interest $83.333
3. The amount of the distribution set forth in paragraph 1
above in respect of interest on the Series 1994-J
Certificates, per $1,000 interest $0.406
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1994-J Certificates $135,487,595.62
c. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect
of the Series 1994-J Certificates, per $1,000 interest $270.975
d. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1994-J Certificates,
if any $0.00
e. The amount of Excess Principal Collections allocated
in respect of the Series 1994-J Certificates, if any $0.00
2. Receivables in Trust
-----------------------
a. Aggregate Principal Receivables for the Due
Period with respect to the current Distribution
Date (which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates
of all Series) $16,105,583,646.73
<PAGE>
Series 1994-J
b. The amount of Principal Receivables in the
Trust represented by the Series 1994-J
Certificates (the "Invested Amount") for
the Due Period with respect to the current
Distribution Date $41,666,666.63
c. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1994-J
Certificates for the Due Period with respect
to the current Distribution Date 0.259%
d. The Invested Percentage with respect to Principal
Receivables for the Series 1994-J Certificates for
the Due Period with respect to the current Distribution
Date 3.105%
3. Delinquent Balances
----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days delinquent
as of the end of the Due Period for the current
Distribution Date $933,915,652.05
4. Investor Default Amount
--------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date
allocable to the Series 1994-J Certificates (the
"Investor Default Amount")
1. Investor Default Amount $270,303.66
2. Recoveries $ 13,214.66
3. Net Default Receivables $257,089.00
5. Investor Charge-offs.
------------------------
a. The amount of the Series 1994-J Investor Charge-Offs
per $1,000 interest after reimbursement of any such
Series 1994-J Investor Charge-Offs for the Due
Period with respect to the current Distribution Date $0.00
b. The amount attributable to Series 1994-J Investor
Charge-Offs, if any, by which the principal balance
of the Series 1994-J Certificates exceeds the Series
1994-J Invested Amount as of the end of the day on
the Record Date with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
------------------------
a. The amount of the Monthly Servicing Fee payable from
available funds by the Trust to the Servicer with
respect to the current Distribution Date $8,680.56
b. The amount of the Interchange Monthly Servicing Fee
payable to the Servicer $43,402.78
7. Available Cash Collateral Amount
-----------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current Distribution
Date (the "Withdrawal Amount") $0.00
<PAGE>
Series 1994-J
b. The amount available to be withdrawn from the Cash
Collateral Account (the Available Cash Collateral
Amount) as of the end of the day on the current
Distribution Date, after giving effect to all
withdrawals, deposits and payments to be made in
respect of the preceding Due Period. $0.00
c. The Available Cash Collateral Amount as computed in 7.b.
as a percentage of the Invested Amount of the Series
1994-J Certificates as of such Due Period. 0.000%
C. The Pool Factor
------------------
The Pool Factor (which represents the ratio of the
Class A Invested Amount on the last day of the month
ending on the Record Date adjusted for Series 1994-J
Investor Charge-Offs set forth in B.5.a above and for
the distributions of principal set forth in A.2 above
to the Series 1994-J Initial Invested Amount). The
amount of a Series 1994-J Certificateholder's pro rata
share of the Series 1994-J Invested Amount can be
determined by multiplying the original denomination
of the holder's Series 1994-J Certificate by the Pool
Factor 0.00000000%
D. Deficit Controlled Amortization Amount
-----------------------------------------
1. The Deficit Controlled Amortization Amount for the
preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
--------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28C
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1994-K
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1994-K
Supplement dated as of August 1, 1994 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Certificateholders and the
performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Series 1994-K
Certificateholders on the Payment Date per $1,000 interest. $84.948
2. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Series 1994-K
Certificates, per $1,000 interest $83.333
3. The amount of the distribution set forth in paragraph 1
above in respect of interest on the Series 1994-K
Certificates, per $1,000 interest $1.615
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the current
Distribution Date which were allocated in respect of
the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1994-K Certificates $137,878,338.39
c. The amount of Collections of Receivables processed for
the Due Period with respect to the current Distribution
Date which were allocated in respect of the Series
1994-K Certificates, per $1,000 interest $275.757
d. The amount of Excess Finance Charge Collections allocated
in respect of the Series 1994-K Certificates, if any $0.00
e. The amount of Excess Principal Collections allocated in
respect of the Series 1994-K Certificates, if any $0.00
2. Receivables in Trust
-----------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date (which
reflects the Principal Receivables represented by
the Exchangeable Seller's Certificate and by the
Investor Certificates of all Series) $16,105,583,646.73
<PAGE>
Series 1994-K
b. The amount of Principal Receivables in the Trust
represented by the Series 1994-K Certificates
(the "Invested Amount") for the Due Period with
respect to the current Distribution Date $166,666,666.64
c. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1994-K
Certificates for the Due Period with respect to
the current Distribution Date 1.035%
d. The Invested Percentage with respect to Principal
Receivables for the Series 1994-K Certificates for
the Due Period with respect to the current Distribution
Date 3.105%
3. Delinquent Balances
----------------------
The aggregate amount of outstanding balances in the
Accounts which were 30 or more days delinquent as of
the end of the Due Period for the current Distribution
Date $933,915,652.05
4. Investor Default Amount
--------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date
allocable to the Series 1994-K Certificates (the
"Investor Default Amount")
1. Investor Default Amount $1,081,214.63
2. Recoveries $ 52,858.66
3. Net Default Receivables $1,028,355.97
5. Investor Charge-offs.
------------------------
a. The amount of the Series 1994-K Investor Charge-
Offs per $1,000 interest after reimbursement of
any such Series 1994-K Investor Charge-Offs for the
Due Period with respect to the current Distribution
Date $0.00
b. The amount attributable to Series 1994-K Investor
Charge-Offs, if any, by which the principal balance
of the Series 1994-K Certificates exceeds the
Series 1994-K Invested Amount as of the end of the
day on the Record Date with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
------------------------
a. The amount of the Monthly Servicing Fee payable from
available funds by the Trust to the Servicer with
respect to the current Distribution Date $34,722.22
b. The amount of the Interchange Monthly Servicing Fee
payable to the Servicer $173,611.11
7. Available Cash Collateral Amount
-----------------------------------
a. The amount, if any, withdrawn from the Cash Collateral
Account for the current Distribution Date (the
"Withdrawal Amount") $0.00
<PAGE>
Series 1994-K
b. The amount available to be withdrawn from the Cash
Collateral Account (the Available Cash Collateral
Amount) as of the end of the day on the current
Distribution Date, after giving effect to all
withdrawals, deposits and payments to be made in
respect of the preceding Due Period. $24,166,666.66
c. The Available Cash Collateral Amount as computed in 7.b.
as a percentage of the Invested Amount of the Series
1994-K Certificates as of such Due Period. 14.500%
C. The Pool Factor
------------------
The Pool Factor (which represents the ratio of the
Class A Invested Amount on the last day of the month
ending on the Record Date adjusted for Series 1994-K
Investor Charge-Offs set forth in B.5.a above and for
the distributions of principal set forth in A.2 above
to the Series 1994-K Initial Invested Amount). The
amount of a Series 1994-K Certificateholder's pro rata
share of the Series 1994-K Invested Amount can be
determined by multiplying the original denomination
of the holder's Series 1994-K Certificate by the Pool
Factor 24.99999999%
D. Deficit Controlled Amortization Amount
-----------------------------------------
1. The Deficit Controlled Amortization Amount for the
preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
--------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28D
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1994-L
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1994-L
Supplement dated as of August 1, 1994 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Certificateholders and the
performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of $1,000
Original Principal Amount)
1. The total amount of the distribution to Series 1994-L
Certificateholders on the Payment Date per $1,000 interest. $85.319
2. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Series 1994-L
Certificates, per $1,000 interest $83.333
3. The amount of the distribution set forth in paragraph 1
above in respect of interest on the Series 1994-L
Certificates, per $1,000 interest $1.986
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1994-L Certificates $137,878,338.39
c. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect
of the Series 1994-L Certificates, per $1,000 interest $275.757
d. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1994-L Certificates,
if any $0.00
e. The amount of Excess Principal Collections allocated in
respect of the Series 1994-L Certificates, if any $0.00
2. Receivables in Trust
-----------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date
(which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates
of all Series) $16,105,583,646.73
<PAGE>
Series 1994-L
b. The amount of Principal Receivables in the Trust
represented by the Series 1994-L Certificates (the
"Invested Amount") for the Due Period with respect
to the current Distribution Date $166,666,666.64
c. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1994-L
Certificates for the Due Period with respect to
the current Distribution Date 1.035%
d. The Invested Percentage with respect to Principal
Receivables for the Series 1994-L Certificates for
the Due Period with respect to the current
Distribution Date 3.105%
3. Delinquent Balances
----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days delinquent
as of the end of the Due Period for the current
Distribution Date $933,915,652.05
4. Investor Default Amount
--------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date
allocable to the Series 1994-L Certificates (the
"Investor Default Amount")
1. Investor Default Amount $1,081,214.63
2. Recoveries $ 52,858.66
3. Net Default Receivables $1,028,355.97
5. Investor Charge-offs.
------------------------
a. The amount of the Series 1994-L Investor Charge-
Offs per $1,000 interest after reimbursement of any
such Series 1994-L Investor Charge-Offs for the Due
Period with respect to the current Distribution Date $0.00
b. The amount attributable to Series 1994-L Investor
Charge-Offs, if any, by which the principal balance
of the Series 1994-L Certificates exceeds the Series
1994-L Invested Amount as of the end of the day on
the Record Date with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
------------------------
a. The amount of the Monthly Servicing Fee payable from
available funds by the Trust to the Servicer with
respect to the current Distribution Date $34,722.22
b. The amount of the Interchange Monthly Servicing Fee
payable to the Servicer $173,611.11
7. Available Cash Collateral Amount
-----------------------------------
a. The amount, if any, withdrawn from the Cash Collateral
Account for the current Distribution Date (the
"Withdrawal Amount") $0.00
<PAGE>
Series 1994-L
b. The amount available to be withdrawn from the
Cash Collateral Account (the Available Cash
Collateral Amount) as of the end of the day on
the current Distribution Date, after giving
effect to all withdrawals, deposits and
payments to be made in respect of the preceding
Due Period. $19,166,666.66
c. The Available Cash Collateral Amount as computed in
7.b. as a percentage of the Invested Amount of the
Series 1994-L Certificates as of such Due Period. 11.500%
C. The Pool Factor
------------------
The Pool Factor (which represents the ratio of the
Class A Invested Amount on the last day of the
month ending on the Record Date adjusted for
Series 1994-L Investor Charge-Offs set forth in
B.5.a above and for the distributions of principal
set forth in A.2 above to the Series 1994-L Initial
Invested Amount). The amount of a Series 1994-L
Certificateholder's pro rata share of the Series
1994-L Invested Amount can be determined by
multiplying the original denomination of the
holder's Series 1994-L Certificate by the Pool Factor 24.99999999%
D. Deficit Controlled Amortization Amount
-----------------------------------------
1. The Deficit Controlled Amortization Amount for the
preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
--------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28E
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1995-M
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1995-M
Supplement dated as of April 1, 1995 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Class A
Certificateholders on the Payment Date per $1,000
interest. $4.862
2. The amount of the distribution set forth in paragraph
1 above in respect of principal on the Class A
Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in paragraph
1 above in respect of interest on the Class A
Certificates, per $1,000 interest $4.862
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-------------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1995-M Certificates $10,929,109.73
c. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates $9,562,971.00
d. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect
of the Class A Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $5,135,393.92
f. The amount of Reallocated Principal Collections for
the Due Period with respect to the current
Distribution Date allocated in respect of the
Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1995-M
Certificates, if any $0.00
<PAGE>
Series 1995-M
h. The amount of Excess Principal Collections
allocated in respect of the Series 1995-M
Certificates, if any $0.00
2. Receivables in Trust
------------------------
a. Aggregate Principal Receivables for the Due
Period with respect to the current Distribution
Date (which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates
of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the
Trust represented by the Series 1995-M
Certificates (the "Invested Amount") for the Due
Period with respect to the current Distribution
Date $571,428,572.00
c. The amount of Principal Receivables in the
Trust represented by the Class A Certificates
(the "Class A Invested Amount") for the Due
Period with respect to the current Distribution
Date $500,000,000.00
d. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange)
and Defaulted Receivables for the Series 1995-M
Certificates for the Due Period with respect to
the current Distribution Date 3.548%
e. The Invested Percentage with respect to Principal
Receivables for the Series 1995-M Certificates
for the Due Period with respect to the current
Distribution Date 3.548%
f. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
g. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
h. The Collateral Floating Percentage for the Due
Period with respect to the current Distribution
Date 12.500%
i. The Collateral Principal Percentage for the Due
Period with respect to the current Distribution
Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days delinquent
as of the end of the Due Period for the current
Distribution Date $933,915,652.05
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date
allocable to the Series 1995-M Certificates (the
"Investor Default Amount")
1. Investor Default Amount $3,707,021.58
2. Recoveries $ 181,229.68
3. Net Default Receivables $3,525,791.90
<PAGE>
Series 1995-M
b. The Class A Investor Default Amount
1. Investor Default Amount $3,243,643.88
2. Recoveries $ 158,575.97
3. Net Default Receivables $3,085,067.91
c. The Collateral Investor Default Amount
1. Investor Default Amount $463,377.70
2. Recoveries $ 22,653.71
3. Net Default Receivables $440,723.99
5. Investor Charge-offs.
-------------------------
a. The amount of the Class A Investor Charge-Offs
per $1,000 interest after reimbursement of any
such Class A Investor Charge-Offs for the Due
Period with respect to the current Distribution
Date $0.00
b. The amount attributable to Class A Investor
Charge-Offs, if any, by which the principal
balance of the Class A Certificates exceeds
the Class A Invested Amount as of the end of
the day on the Record Date with respect to
the current Distribution Date $0.00
c. The amount of the Collateral Charge-Offs, if
any, for the Due Period with respect to the
current Distribution Date $0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee payable
from available funds by the Trust to the Servicer
with respect to the current Distribution Date $119,047.62
b. The amount of the Interchange Monthly Servicing
Fee payable to the Servicer with respect to the
current Distribution Date $595,238.10
7. Available Cash Collateral Amount
------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current Distribution
Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the
Cash Collateral Account as of the end of the day
on the current Distribution Date, after giving
effect to all withdrawals, deposits and payments
to be made on such Distribution Date (the
"Available Cash Collateral Amount" for the next
Distribution Date) $5,714,286.00
c. The amount as computed in 7.b as a percentage
of the Class A Invested Amount after giving effect
to all reductions thereof on the current
Distribution Date 1.143%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the current
Distribution Date $71,428,572.00
b. The Collateral Invested Amount after giving
effect to all withdrawals, deposits, and payments
on the current Distribution Date $71,428,572.00
<PAGE>
9. Total Enhancement Series 1995-M
---------------------
a. The total Enhancement for the current
Distribution Date $77,142,858.00
b. The total Enhancement after giving effect to all
withdrawals, depostis and payments on the current
Distribution Date $77,142,858.00
C. The Pool Factor
-------------------
The Pool Factor (which represents the ratio of
the Class A Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Investor Charge-Offs set forth in B.5.a
above and for the distributions of principal set
forth in A.2 above to the Class A Initial
Invested Amount). The amount of a Class A
Certificateholder's pro rata share of the Class A
Invested Amount can be determined by multiplying the
original denomination of the holder's Class A
Certificate by the Pool Factor 100.00000000%
D. Deficit Controlled Amortization Amount
------------------------------------------
1. The Deficit Controlled Amortization Amount for
the preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
---------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28F
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1995-O
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1995-O
Supplement dated as of June 1, 1995 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Class A
Certificateholders on the Payment Date per
$1,000 interest. $4.853
2. The amount of the distribution set forth in
paragraph 1 above in respect of principal on the
Class A Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in
paragraph 1 above in respect of interest on the Class
A Certificates, per $1,000 interest $4.853
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all
Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1995-O Certificates $10,929,109.73
c. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates $9,562,971.00
d. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect of
the Class A Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $5,139,699.48
f. The amount of Reallocated Principal Collections for
the Due Period with respect to the current
Distribution Date allocated in respect of the
Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1995-O
Certificates, if any $0.00
<PAGE>
Series 1995-O
h. The amount of Excess Principal Collections
allocated in respect of the Series 1995-O
Certificates, if any $0.00
2. Receivables in Trust
------------------------
a. Aggregate Principal Receivables for the Due
Period with respect to the current Distribution
Date (which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates
of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1995-O Certificates
(the "Invested Amount") for the Due Period with
respect to the current Distribution Date $571,428,572.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates (the
"Class A Invested Amount") for the Due Period
with respect to the current Distribution Date $500,000,000.00
d. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1995-O
Certificates for the Due Period with respect to
the current Distribution Date 3.548%
e. The Invested Percentage with respect to Principal
Receivables for the Series 1995-O Certificates for
the Due Period with respect to the current
Distribution Date 3.548%
f. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
g. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
h. The Collateral Floating Percentage for the Due
Period with respect to the current Distribution Date 12.500%
i. The Collateral Principal Percentage for the Due
Period with respect to the current Distribution Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days delinquent
as of the end of the Due Period for the current
Distribution Date $933,915,652.05
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date
allocable to the Series 1995-O Certificates
(the "Investor Default Amount")
1. Investor Default Amount $3,707,021.58
2. Recoveries $ 181,229.68
3. Net Default Receivables $3,525,791.90
<PAGE>
Series 1995-O
b. The Class A Investor Default Amount
1. Investor Default Amount $3,243,643.88
2. Recoveries $ 158,575.97
3. Net Default Receivables $3,085,067.91
c. The Collateral Investor Default Amount
1. Investor Default Amount $463,377.70
2. Recoveries $ 22,653.71
3. Net Default Receivables $440,723.99
5. Investor Charge-offs.
-------------------------
a. The amount of the Class A Investor Charge-Offs
per $1,000 interest after reimbursement of any
such Class A Investor Charge-Offs for the Due
Period with respect to the current Distribution Date $0.00
b. The amount attributable to Class A Investor
Charge-Offs, if any, by which the principal balance
of the Class A Certificates exceeds the Class A
Invested Amount as of the end of the day on the
Record Date with respect to the current
Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if any,
for the Due Period with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee payable
from available funds by the Trust to the Servicer
with respect to the current Distribution Date $119,047.62
b. The amount of the Interchange Monthly Servicing
Fee payable to the Servicer with respect to the
current Distribution Date $595,238.10
7. Available Cash Collateral Amount
------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current Distribution
Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the
Cash Collateral Account as of the end of the day
on the current Distribution Date, after giving
effect to all withdrawals, deposits and payments
to be made on such Distribution Date (the "Available
Cash Collateral Amount" for the next Distribution
Date) $5,714,286.00
c. The amount as computed in 7.b as a percentage of
the Class A Invested Amount after giving effect to
all reductions thereof on the current Distribution
Date 1.143%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the current
Distribution Date $71,428,572.00
b. The Collateral Invested Amount after giving effect
to all withdrawals, deposits, and payments on the
current Distribution Date $71,428,572.00
<PAGE>
9. Total Enhancement Series 1995-O
---------------------
a. The total Enhancement for the current
Distribution Date $77,142,858.00
b. The total Enhancement after giving effect
to all withdrawals, depostis and payments on
the current Distribution Date $77,142,858.00
C. The Pool Factor
-------------------
The Pool Factor (which represents the ratio
of the Class A Invested Amount on the last
day of the month ending on the Record Date
adjusted for Class A Investor Charge-Offs set
forth in B.5.a above and for the distributions
of principal set forth in A.2 above to the Class
A Initial Invested Amount). The amount of a Class
A Certificateholder's pro rata share of the
Class A Invested Amount can be determined by
multiplying the original denomination of the
holder's Class A Certificate by the Pool Factor 100.00000000%
D. Deficit Controlled Amortization Amount
------------------------------------------
1. The Deficit Controlled Amortization Amount for
the preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
---------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28G
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1995-P
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1995-P
Supplement dated as of June 1, 1995 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Class
A Certificateholders on the Payment Date per
$1,000 interest. $4.810
2. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Class A Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Class A Certificates, per $1,000 interest $4.810
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
------------------------------
a. The aggregate amount of Collections of
Receivables processed for the Due Period
with respect to the current Distribution
Date which were allocated in respect of
the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of
Receivables processed for the Due Period
with respect to the current Distribution
Date which were allocated in respect of the
Series 1995-P Certificates $10,929,109.73
c. The aggregate amount of Collections of
Receivables processed for the Due Period
with respect to the current Distribution
Date which were allocated in respect of
the Class A Certificates $9,562,971.00
d. The amount of Collections of Receivables
processed for the Due Period with respect
to the current Distribution Date which were
allocated in respect of the Class A Certificates,
per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period
with respect to the current Distribution Date $5,161,227.26
f. The amount of Reallocated Principal Collections
for the Due Period with respect to the current
Distribution Date allocated in respect of the
Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1995-P
Certificates, if any $0.00
<PAGE>
Series 1995-P
h. The amount of Excess Principal Collections
allocated in respect of the Series 1995-P
Certificates, if any $0.00
2. Receivables in Trust
------------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date
(which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates
of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the
Trust represented by the Series 1995-P
Certificates (the "Invested Amount") for the
Due Period with respect to the current
Distribution Date $571,428,572.00
c. The amount of Principal Receivables in the
Trust represented by the Class A Certificates
(the "Class A Invested Amount") for the
Due Period with respect to the current
Distribution Date $500,000,000.00
d. The Invested Percentage with respect to
Finance Charge Receivables (including Interchange)
and Defaulted Receivables for the Series 1995-P
Certificates for the Due Period with respect to
the current Distribution Date 3.548%
e. The Invested Percentage with respect to Principal
Receivables for the Series 1995-P Certificates
for the Due Period with respect to the current
Distribution Date 3.548%
f. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
g. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
h. The Collateral Floating Percentage for the Due
Period with respect to the current Distribution Date 12.500%
i. The Collateral Principal Percentage for the Due
Period with respect to the current Distribution Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days delinquent
as of the end of the Due Period for the current
Distribution Date $933,915,652.05
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due
Period with respect to the current Distribution
Date allocable to the Series 1995-P Certificates
(the "Investor Default Amount")
1. Investor Default Amount $3,707,021.58
2. Recoveries $ 181,229.68
3. Net Default Receivables $3,525,791.90
<PAGE>
Series 1995-P
b. The Class A Investor Default Amount
1. Investor Default Amount $3,243,643.88
2. Recoveries $ 158,575.97
3. Net Default Receivables $3,085,067.91
c. The Collateral Investor Default Amount
1. Investor Default Amount $463,377.70
2. Recoveries $ 22,653.71
3. Net Default Receivables $440,723.99
5. Investor Charge-offs.
-------------------------
a. The amount of the Class A Investor Charge-Offs
per $1,000 interest after reimbursement of any
such Class A Investor Charge-Offs for the Due
Period with respect to the current Distribution Date $0.00
b. The amount attributable to Class A Investor
Charge-Offs, if any, by which the principal balance
of the Class A Certificates exceeds the Class A
Invested Amount as of the end of the day on the
Record Date with respect to the current Distribution
Date $0.00
c. The amount of the Collateral Charge-Offs,if any,
for the Due Period with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee payable
from available funds by the Trust to the Servicer
with respect to the current Distribution Date $119,047.62
b. The amount of the Interchange Monthly Servicing Fee
payable to the Servicer with respect to the current
Distribution Date $595,238.10
7. Available Cash Collateral Amount
------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current Distribution
Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the Cash
Collateral Account as of the end of the day on the
current Distribution Date, after giving effect to
all withdrawals, deposits and payments to be made
on such Distribution Date (the "Available Cash
Collateral Amount" for the next Distribution Date) $5,714,286.00
c. The amount as computed in 7.b as a percentage of
the Class A Invested Amount after giving effect to
all reductions thereof on the current Distribution
Date 1.143%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the current
Distribution Date $71,428,572.00
b. The Collateral Invested Amount after giving
effect to all withdrawals, deposits, and
payments on the current Distribution Date $71,428,572.00
<PAGE>
9. Total Enhancement Series 1995-P
---------------------
a. The total Enhancement for the current
Distribution Date $77,142,858.00
b. The total Enhancement after giving effect to
all withdrawals, depostis and payments on the
current Distribution Date $77,142,858.00
C. The Pool Factor
-------------------
The Pool Factor (which represents the ratio of
the Class A Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Investor Charge-Offs set forth in B.5.a
above and for the distributions of principal set
forth in A.2 above to the Class A Initial Invested
Amount). The amount of a Class A Certificateholder's
pro rata share of the Class A Invested Amount can
be determined by multiplying the original
denomination of the holder's Class A Certificate by
the Pool Factor 100.00000000%
D. Deficit Controlled Amortization Amount
------------------------------------------
1. The Deficit Controlled Amortization Amount for
the preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
---------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28H
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1996-Q
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1996-Q
Supplement dated as of September 1, 1996 by and between First USA and the
Trustee, First USA, as Servicer, is required to prepare certain information for
each Payment Date regarding current distributions to Class A Certificateholders
and the performance of the First Chicago Master Trust II (the "Trust") during
the previous period. The information which is required to be prepared with
respect to the distribution on the November 15, 1999 Payment Date and with
respect to the performance of the Trust during the Due Period for such Payment
Date is set forth below. Certain of the information is presented on the
aggregate amounts for the Trust as a whole. All capitalized terms used herein
shall have the respective meanings set forth in the Pooling and Servicing
Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to
Class A Certificateholders on the Payment
Date per $1,000 interest. $4.767
2. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Class A Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Class A Certificates, per $1,000 interest $4.767
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
------------------------------
a. The aggregate amount of Collections of
Receivables processed for the Due Period with
respect to the current Distribution Date which
were allocated in respect of the Investor
Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of
Receivables processed for the Due Period with
respect to the current Distribution Date which
were allocated in respect of the Series 1996-Q
Certificates $19,672,397.52
c. The aggregate amount of Collections of
Receivables processed for the Due Period with
respect to the current Distribution Date which
were allocated in respect of the Class A
Certificates $17,213,347.82
d. The amount of Collections of Receivables
processed for the Due Period with respect
to the current Distribution Date which were
allocated in respect of the Class A
Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period
with respect to the current Distribution Date $9,328,959.08
f. The amount of Reallocated Principal Collections
for the Due Period with respect to the current
Distribution Date allocated in respect of the
Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1996-Q
Certificates, if any $0.00
<PAGE>
Series 1996-Q
h. The amount of Excess Principal Collections
allocated in respect of the Series 1996-Q
Certificates, if any $0.00
2. Receivables in Trust
------------------------
a. Aggregate Principal Receivables for the Due
Period with respect to the current Distribution
Date (which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates
of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1996-Q Certificates
(the "Invested Amount") for the Due Period with
respect to the current Distribution Date $1,028,571,429.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates (the
"Class A Invested Amount") for the Due Period with
respect to the current Distribution Date $900,000,000.00
d. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1996-Q
Certificates for the Due Period with respect to
the current Distribution Date 6.386%
e. The Invested Percentage with respect to Principal
Receivables for the Series 1996-Q Certificates for
the Due Period with respect to the current
Distribution Date 6.386%
f. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
g. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
h. The Collateral Floating Percentage for the Due Period
with respect to the current Distribution Date 12.500%
i. The Collateral Principal Percentage for the Due Period
with respect to the current Distribution Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days
delinquent as of the end of the Due Period for
the current Distribution Date $933,915,652.05
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date
allocable to the Series 1996-Q Certificates (the
"Investor Default Amount")
1. Investor Default Amount $6,672,638.84
2. Recoveries $ 326,213.43
3. Net Default Receivables $6,346,425.41
<PAGE>
Series 1996-Q
b. The Class A Investor Default Amount
1. Investor Default Amount $5,838,558.98
2. Recoveries $ 285,436.75
3. Net Default Receivables $5,553,122.23
c. The Collateral Investor Default Amount
1. Investor Default Amount $834,079.86
2. Recoveries $ 40,776.68
3. Net Default Receivables $793,303.18
5. Investor Charge-offs.
-------------------------
a. The amount of the Class A Investor Charge-Offs
per $1,000 interest after reimbursement of any
such Class A Investor Charge-Offs for the Due
Period with respect to the current Distribution Date $0.00
b. The amount attributable to Class A Investor Charge-Offs,
if any, by which the principal balance of the Class A
Certificates exceeds the Class A Invested Amount as of
the end of the day on the Record Date with respect to
the current Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if any,
for the Due Period with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee payable from
available funds by the Trust to the Servicer with
respect to the current Distribution Date $214,285.71
b. The amount of the Interchange Monthly Servicing Fee
payable to the Servicer with respect to the current
Distribution Date $1,071,428.57
7. Available Cash Collateral Amount
------------------------------------
a The amount, if any, withdrawn from the Cash
Collateral Account for the current Distribution
Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the
Cash Collateral Account as of the end of the
day on the current Distribution Date, after
giving effect to all withdrawals, deposits and
payments to be made on such Distribution Date
(the "Available Cash Collateral Amount" for
the next Distribution Date) $10,285,714.00
c. The amount as computed in 7.b as a percentage
of the Class A Invested Amount after giving
effect to all reductions thereof on the current
Distribution Date 1.143%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the
current Distribution Date $128,571,429.00
b. The Collateral Invested Amount after giving
effect to all withdrawals, deposits, and
payments on the current Distribution Date $128,571,429.00
<PAGE>
9. Total Enhancement Series 1996-Q
---------------------
a. The total Enhancement for the
current Distribution Date $138,857,143.00
b. The total Enhancement after giving effect
to all withdrawals, depostis and payments
on the current Distribution Date $138,857,143.00
C. The Pool Factor
- ------------------
The Pool Factor (which represents the ratio of
the Class A Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Investor Charge-Offs set forth in B.5.a
above and for the distributions of principal set
forth in A.2 above to the Class A Initial
Invested Amount). The amount of a Class A
Certificateholder's pro rata share of the Class
A Invested Amount can be determined by multiplying
the original denomination of the holder's Class A
Certificate by the Pool Factor 100.00000000%
D. Deficit Controlled Amortization Amount
- -----------------------------------------
1. The Deficit Controlled Amortization Amount
for the preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
-------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28I
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1996-R
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1996-R
Supplement dated as of November 1, 1996 by and between First USA and the
Trustee, First USA, as Servicer, is required to prepare certain information for
each Payment Date regarding current distributions to Class A Certificateholders
and the performance of the First Chicago Master Trust II (the "Trust") during
the previous period. The information which is required to be prepared with
respect to the distribution on the November 15, 1999 Payment Date and with
respect to the performance of the Trust during the Due Period for such Payment
Date is set forth below. Certain of the information is presented on the
aggregate amounts for the Trust as a whole. All capitalized terms used herein
shall have the respective meanings set forth in the Pooling and Servicing
Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to
Class A Certificateholders on the Payment
Date per $1,000 interest. $86.084
2. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Class A Certificates, per $1,000 interest $83.333
3. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Class A Certificates, per $1,000 interest $2.751
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
------------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1996-R Certificates $128,203,901.25
c. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates $112,215,264.91
d. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect
of the Class A Certificates, per $1,000 interest $280.538
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $2,389,017.30
f. The amount of Reallocated Principal Collections
for the Due Period with respect to the current
Distribution Date allocated in respect of the
Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1996-R
Certificates, if any $0.00
<PAGE>
Series 1996-R
h. The amount of Excess Principal Collections
allocated in respect of the Series 1996-R
Certificates, if any $0.00
2. Receivables in Trust
------------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date
(which reflects the Principal Receivables
represented by the Exchangeable Seller's
Certificate and by the Investor Certificates of
all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1996-R Certificates
(the "Invested Amount") for the Due Period
with respect to the current Distribution Date $264,464,630.35
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates (the
"Class A Invested Amount") for the Due Period
with respect to the current Distribution Date $233,333,333.35
d. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1996-R
Certificates for the Due Period with respect
to the current Distribution Date 1.642%
e. The Invested Percentage with respect to
Principal Receivables for the Series 1996-R
Certificates for the Due Period with respect
to the current Distribution Date 2.838%
f. The Class A Floating Percentage for the Due
Period with respect to the current
Distribution Date 88.229%
g. The Class A Principal Percentage for the
Due Period with respect to the current
Distribution Date 87.500%
h. The Collateral Floating Percentage for
the Due Period with respect to the
current Distribution Date 11.771%
i. The Collateral Principal Percentage for
the Due Period with respect to the
current Distribution Date 12.500%
3. Delinquent Balances
-------------------
The aggregate amount of outstanding balances
in the Accounts which were 30 or more days
delinquent as of the end of the Due Period
for the current Distribution Date $933,915,652.05
4. Investor Default Amount
-----------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date
allocable to the Series 1996-R Certificates (the
"Investor Default Amount")
1. Investor Default Amount $1,715,658.16
2. Recoveries $83,875.47
3. Net Default Receivables $1,631,782.69
<PAGE>
Series 1996-R
b. The Class A Investor Default Amount
1. Investor Default Amount $1,513,700.48
2. Recoveries $74,002.12
3. Net Default Receivables $1,439,698.36
c. The Collateral Investor Default Amount
1. Investor Default Amount $201,957.68
2. Recoveries $9,873.35
3. Net Default Receivables $192,084.33
5. Investor Charge-offs.
--------------------
a. The amount of the Class A Investor
Charge-Offs per $1,000 interest
after reimbursement of any such Class A
Investor Charge-Offs for the Due
Period with respect to the current
Distribution Date $0.00
b. The amount attributable to Class A Investor
Charge-Offs, if any, by which the principal
balance of the Class A Certificates exceeds
the Class A Invested Amount as of the end
of the day on the Record Date with respect to
the current Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,
if any, for the Due Period with respect
to the current Distribution Date $0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee
payable from available funds by the Trust to
the Servicer with respect to the current
Distribution Date $55,096.80
b. The amount of the Interchange Monthly
Servicing Fee payable to the Servicer
with respect to the current Distribution Date $275,483.99
7. Available Cash Collateral Amount
------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current
Distribution Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn
from the Cash Collateral Account as of the
end of the day on the current Distribution Date,
after giving effect to all withdrawals, deposits
and payments to be made on such Distribution
Date (the "Available Cash Collateral Amount" for
the next Distribution Date) $4,571,429.00
c. The amount as computed in 7.b as a percentage
of the Class A Invested Amount after giving
effect to all reductions thereof on the
current Distribution Date 2.286%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the
current Distribution Date $31,131,297.00
b. The Collateral Invested Amount after
giving effect to all withdrawals, deposits,
and payments on the current
Distribution Date $25,928,988.00
<PAGE>
Series 1996-R
9. Total Enhancement
---------------------
a. The total Enhancement for the current
Distribution Date $35,702,726.00
b. The total Enhancement after giving effect
to all withdrawals, depostis and payments
on the current Distribution Date $30,500,417.00
C. The Pool Factor
- --------------------
The Pool Factor (which represents the ratio of the
Class A Invested Amount on the last day of the month
ending on the Record Date adjusted for Class A
Investor Charge-Offs set forth in B.5.a above and for
the distributions of principal set forth in A.2 above
to the Class A Initial Invested Amount). The amount
of a Class A Certificateholder's pro rata share of
the Class A Invested Amount can be determined by
multiplying the original denomination of the
holder's Class A Certificate by the Pool Factor 50.00000001%
D. Deficit Controlled Amortization Amount
- -----------------------------------------
1. The Deficit Controlled Amortization Amount for
the preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28J
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1996-S
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1996-S
Supplement dated as of November 1, 1996 by and between First USA and the
Trustee, First USA, as Servicer, is required to prepare certain information for
each Payment Date regarding current distributions to Class A Certificateholders
and the performance of the First Chicago Master Trust II (the "Trust") during
the previous period. The information which is required to be prepared with
respect to the distribution on the November 15, 1999 Payment Date and with
respect to the performance of the Trust during the Due Period for such Payment
Date is set forth below. Certain of the information is presented on the
aggregate amounts for the Trust as a whole. All capitalized terms used herein
shall have the respective meanings set forth in the Pooling and Servicing
Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to
Class A Certificateholders on the Payment
Date per $1,000 interest. $4.763
2. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Class A Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Class A Certificates, per $1,000 interest $4.763
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of
Receivables processed for the Due
Period with respect to the current
Distribution Date which were
allocated in respect of the Investor
Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of
Receivables processed for the Due
Period with respect to the current
Distribution Date which were
allocated in respect of the Series
1996-S Certificates $15,300,753.61
c. The aggregate amount of Collections of
Receivables processed for the Due
Period with respect to the current
Distribution Date which were
allocated in respect of the Class A
Certificates, per $1,000 interest $13,388,159.42
d. The amount of Collections of Receivables
processed for the Due Period with respect
to the current Distribution Date which
were allocated in respect of the Class A
Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due
Period with respect to the current
Distribution Date $7,258,870.93
f. The amount of Reallocated Principal
Collections for the Due Period with
respect to the current Distribution
Date allocated in respect of the
Class A Certificates $0.00
g. The amount of Excess Finance Charge
Collections allocated in respect of the
Series 1996-S Certificates, if any $0.00
<PAGE>
Series 1996-S
h. The amount of Excess Principal Collections
allocated in respect of the Series 1996-S
Certificates, if any $0.00
2. Receivables in Trust
-------------------------
a. Aggregate Principal Receivables for the Due
Period with respect to the current
Distribution Date (which reflects the
Principal Receivables represented by the
Exchangeable Seller's Certificate and by
the Investor Certificates of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the
Trust represented by the Series 1996-S
Certificates (the "Invested Amount") for
the Due Period with respect to the
current Distribution Date $800,000,000.00
c. The amount of Principal Receivables in the
Trust represented by the Class A
Certificates (the "Class A Invested Amount")
for the Due Period with respect to the
current Distribution Date $700,000,000.00
d. The Invested Percentage with respect to
Finance Charge Receivables (including
Interchange) and Defaulted Receivables for
the Series 1996-S Certificates for the Due
Period with respect to the current
Distribution Date 4.967%
e. The Invested Percentage with respect to
Principal Receivables for the Series 1996-S
Certificates for the Due Period with respect
to the current Distribution Date 4.967%
f. The Class A Floating Percentage for the Due
Period with respect to the current
Distribution Date 87.500%
g. The Class A Principal Percentage for the Due
Period with respect to the current
Distribution Date 87.500%
h. The Collateral Floating Percentage for the
Due Period with respect to the current
Distribution Date 12.500%
i. The Collateral Principal Percentage for the
Due Period with respect to the current
Distribution Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days
delinquent as of the end of the Due Period for
the current Distribution Date $933,915,652.05
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due
Period with respect to the current Distribution
Date allocable to the Series 1996-S
Certificates (the "Investor Default Amount")
1. Investor Default Amount $5,189,830.21
2. Recoveries $253,721.55
3. Net Default Receivables $4,936,108.66
<PAGE>
Series 1996-S
b. The Class A Investor Default Amount
1. Investor Default Amount $4,541,101.43
2. Recoveries $222,006.36
3. Net Default Receivables $4,319,095.07
c. The Collateral Investor Default Amount
1. Investor Default Amount $648,728.78
2. Recoveries $31,715.19
3. Net Default Receivables $617,013.59
5. Investor Charge-offs.
-------------------------
a. The amount of the Class A Investor
Charge-Offs per $1,000 interest
after reimbursement of any such Class A
Investor Charge-Offs for the Due
Period with respect to the current
Distribution Date $0.00
b. The amount attributable to Class A Investor
Charge-Offs, if any, by which the principal
balance of the Class A Certificates exceeds
the Class A Invested Amount as of the end
of the day on the Record Date with respect to
the current Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,
if any, for the Due Period with respect
to the current Distribution Date $0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee payable
from available funds by the Trust to the Servicer
with respect to the current Distribution Date $166,666.67
b. The amount of the Interchange Monthly Servicing
Fee payable to the Servicer with respect to the
current Distribution Date $833,333.33
7. Available Cash Collateral Amount
------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current
Distribution Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from
the Cash Collateral Account as of the end of
the day on the current Distribution Date,
after giving effect to all withdrawals,
deposits and payments to be made on such
Distribution Date (the "Available Cash
Collateral Amount" for the next Distribution
Date) $8,000,000.00
c. The amount as computed in 7.b as a percentage
of the Class A Invested Amount after giving
effect to all reductions thereof on the current
Distribution Date 1.143%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the current
Distribution Date $100,000,000.00
b. The Collateral Invested Amount after giving
effect to all withdrawals, deposits, and
payments on the current Distribution Date $100,000,000.00
<PAGE>
Series 1996-S
9. Total Enhancement
---------------------
a. The total Enhancement for the current
Distribution Date $108,000,000.00
b. The total Enhancement after giving effect
to all withdrawals, depostis and payments
on the current Distribution Date $108,000,000.00
C. The Pool Factor
- -------------------
The Pool Factor (which represents the ratio of
the Class A Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Investor Charge-Offs set forth in B.5.a
above and for the distributions of principal
set forth in A.2 above to the Class A Initial
Invested Amount). The amount of a Class A
Certificateholder's pro rata share of the
Class A Invested Amount can be determined by
multiplying the original denomination of the
holder's Class A Certificate by the Pool Factor 100.00000000%
D. Deficit Controlled Amortization Amount
- ------------------------------------------
1. The Deficit Controlled Amortization Amount for
the preceding Due Period $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28K
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1997-T
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1997-T
Supplement dated as of October 1, 1997 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Class A Adjusted
Certificateholders on the Payment Date per $1,000 interest. $4.716
2. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Class A Adjusted
Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in paragraph 1
above in respect of interest on the Class A Adjusted
Certificates, per $1,000 interest $4.716
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables processed
for the Due Period with respect to the current Distribution
Date which were allocated in respect of the Investor
Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables processed
for the Due Period with respect to the current Distribution
Date which were allocated in respect of the Series 1997-T
Certificates $13,114,931.69
c. The aggregate amount of Collections of Receivables processed
for the Due Period with respect to the current Distribution
Date which were allocated in respect of the Class A
Certificates $11,475,565.22
d. The amount of Collections of Receivables processed for the
Due Period with respect to the current Distribution Date
which were allocated in respect of the Class A Adjusted
Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $6,250,306.07
f. The amount of Reallocated Principal Collections for
the Due Period with respect to the current Distribution
Date allocated in respect of the Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections allocated
in respect of the Series 1997-T Certificates, if any $0.00
<PAGE>
Series 1997-T
h. The amount of Excess Principal Collections allocated
in respect of the Series 1997-T Certificates, if any $0.00
2. Receivables in Trust
------------------------
Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date (which
reflects the Principal Receivables represented by the
Exchangeable Seller's Certificate and by the Investor
Certificates of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1997-T Certificates
(the "Adjusted Invested Amount") for the Due Period
with respect to the current Distribution Date $685,714,286.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates (the "Class A
Adjusted Invested Amount") for the Due Period with
respect to the current Distribution Date $600,000,000.00
d. The Invested Amount for the Due Period with
respect to the current Distribution Date $685,714,286.00
e. The Class A Invested Amount for the Due Period with
respect to the current Distribution Date $600,000,000.00
f. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1997-T
Certificates for the Due Period with respect to
the current Distribution Date 4.258%
g. The Invested Percentage with respect to Principal
Receivables for the Series 1997-T Certificates
for the Due Period with respect to the current
Distribution Date 4.258%
h. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
i. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
j. The Collateral Floating Percentage for the Due Period
with respect to the current Distribution Date 12.500%
k. The Collateral Principal Percentage for the Due
Period with respect to the current Distribution Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in
the Accounts which were 30 or more days delinquent
as of the end of the Due Period for the current
Distribution Date $933,915,652.05
<PAGE>
Series 1997-T
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date allocable
to the Series 1997-T Certificates (the "Investor Default Amount")
1. Investor Default Amount $4,448,425.89
2. Recoveries $ 217,475.62
3. Net Default Receivables $4,230,950.27
b. The Class A Investor Default Amount
1. Investor Default Amount $3,892,372.65
2. Recoveries $ 190,291.17
3. Net Default Receivables $3,702,081.48
c. The Collateral Investor Default Amount
1. Investor Default Amount $556,053.24
2. Recoveries $ 27,184.45
3. Net Default Receivables $528,868.79
5. Investor Charge-offs.
--------------------------
a. The amount of the Class A Adjusted Investor
Charge-Offs per $1,000 interest after reimbursement
of any such Class A Adjusted Investor Charge-Offs
for the Due Period with respect to the current
Distribution Date $0.00
b. The amount attributable to Class A Adjusted Investor
Charge-Offs, if any, by which the principal balance
of the Class A Adjusted Certificates exceeds the
Class A Adjusted Invested Amount as of the end of
the day on the Record Date with respect to the
current Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if any,
for the Due Period with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
--------------------------
a. The amount of the Monthly Servicing Fee payable
from available funds by the Trust to the Servicer
with respect to the current Distribution Date $142,857.14
b. The amount of the Interchange Monthly Servicing
Fee payable to the Servicer with respect to the
current Distribution Date $714,285.71
7. Available Cash Collateral Amount
-------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current Distribution
Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the Cash
Collateral Account as of the end of the day on the
current Distribution Date, after giving effect to
all withdrawals, deposits and payments to be made
on such Distribution Date (the "Available Cash
Collateral Amount" for the next Distribution Date) $6,857,143.00
<PAGE>
Series: 1997-T
c. The amount as computed in 7.b as a percentage of the
Class A Adjusted Invested Amount after giving effect
to all reductions thereof on the current Distribution
Date 1.143%
8. Collateral Invested Amount
-------------------------------
a. The Collateral Invested Amount for the current
Distribution Date $85,714,286.00
b. The Collateral Invested Amount after giving effect
to all withdrawals, deposits, and payments on the
current Distribution Date $85,714,286.00
9. Total Enhancement
----------------------
a. The total Enhancement for the current Distribution
Date $92,571,429.00
b. The total Enhancement after giving effect to all
withdrawals, depostis and payments on the current
Distribution Date $92,571,429.00
C. The Pool Factor
- --------------------
The Pool Factor (which represents the ratio of the
Class A Adjusted Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Adjusted Investor Charge-Offs set forth in
B.5.a above and for the distributions of principal
set forth in A.2 above to the Class A Adjusted Initial
Invested Amount). The amount of a Class A Adjusted
Certificateholder's pro rata share of the Class A
Adjusted Invested Amount can be determined by
multiplying the original denomination of the holder's
Class A Adjusted Certificate by the Pool Factor 100.00000000%
D. Principal Funding Account
- ------------------------------
1. The Principal Funding Investment Proceeds deposited
in the Collection Account for the current Distribution
Date to be treated as Class A Available Funds $0.00
2. The Excess Principal Funding Investment Proceeds for
the current Distribution Date $0.00
3. The Principal Funding Account Balance as of the end
of the day on the current Distribution Date $0.00
4. The Deficit Controlled Accumulation Amount for the
preceding Due Period $0.00
E. Reserve Account
- --------------------
1. The Reserve Draw Amount for the current Distribution
Date $0.00
2. The amount on deposit in the Reserve Account as of
the end of the day on the current Distribution Date
(the "Available Reserve Account Amount" for the next
Distribution Date) $1,500,000.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ Tracie Klein
-----------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28L
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1997-U
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1997-U
Supplement dated as of October 1, 1997 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Class A Adjusted
Certificateholders on the Payment Date
per $1,000 interest. $4.754
2. The amount of the distribution set forth in paragraph
1 above in respect of principal on the Class A
Adjusted Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in paragraph
1 above in respect of interest on the Class A
Adjusted Certificates, per $1,000 interest $4.754
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1997-U Certificates $8,743,287.81
c. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates $7,650,376.81
d. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect of
the Class A Adjusted Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $4,151,370.72
f. The amount of Reallocated Principal Collections
for the Due Period with respect to the current
Distribution Date allocated in respect of the
Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1997-U Certificates,
if any $0.00
<PAGE>
Series 1997-U
h. The amount of Excess Principal Collections allocated
in respect of the Series 1997-U Certificates, if any $0.00
2. Receivables in Trust
-------------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date
(which reflects the Principal Receivables represented
by the Exchangeable Seller's Certificate and by the
Investor Certificates of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1997-U Certificates
(the "Adjusted Invested Amount") for the Due Period
with respect to the current Distribution Date $457,142,858.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates
(the "Class A Adjusted Invested Amount") for the
Due Period with respect to the current Distribution
Date $400,000,000.00
d. The Invested Amount for the Due Period with respect
to the current Distribution Date $457,142,858.00
e. The Class A Invested Amount for the Due Period with
respect to the current Distribution Date $400,000,000.00
f. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1997-U
Certificates for the Due Period with respect to
the current Distribution Date 2.838%
g. The Invested Percentage with respect to Principal
Receivables for the Series 1997-U Certificates for
the Due Period with respect to the current
Distribution Date 2.838%
h. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
i. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
j. The Collateral Floating Percentage for the Due
Period with respect to the current Distribution Date 12.500%
k. The Collateral Principal Percentage for the Due
Period with respect to the current Distribution Date 12.500%
3. Delinquent Balances
------------------------
The aggregate amount of outstanding balances in the
Accounts which were 30 or more days delinquent as of
the end of the Due Period for the current Distribution
Date $933,915,652.05
<PAGE>
Series 1997-U
4. Investor Default Amount
----------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date allocable
to the Series 1997-U Certificates (the "Investor Default Amount")
1. Investor Default Amount $2,965,617.26
2. Recoveries $ 144,983.75
3. Net Default Receivables $2,820,633.51
b. The Class A Investor Default Amount
1. Investor Default Amount $2,594,915.10
2. Recoveries $ 126,860.78
3. Net Default Receivables $2,468,054.32
c. The Collateral Investor Default Amount
1. Investor Default Amount $370,702.16
2. Recoveries $ 18,122.97
3. Net Default Receivables $352,579.19
5. Investor Charge-offs.
--------------------------
a. The amount of the Class A Adjusted Investor
Charge-Offs per $1,000 interest after reimbursement
of any such Class A Adjusted Investor Charge-Offs
for the Due Period with respect to the current
Distribution Date $0.00
b. The amount attributable to Class A Adjusted Investor
Charge-Offs, if any, by which the principal balance
of the Class A Adjusted Certificates exceeds the
Class A Adjusted Invested Amount as of the end of
the day on the Record Date with respect to the current
Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if any,
for the Due Period with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
--------------------------
a. The amount of the Monthly Servicing Fee payable
from available funds by the Trust to the Servicer
with respect to the current Distribution Date $95,238.10
b. The amount of the Interchange Monthly Servicing
Fee payable to the Servicer with respect to the
current Distribution Date $476,190.48
7. Available Cash Collateral Amount
-------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current Distribution
Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the Cash
Collateral Account as of the end of the day on the
current Distribution Date, after giving effect to all
withdrawals, deposits and payments to be made on such
Distribution Date (the "Available Cash Collateral Amount"
for the next Distribution Date) $4,571,429.00
<PAGE>
Series: 1997-U
c. The amount as computed in 7.b as a percentage of
the Class A Adjusted Invested Amount after giving
effect to all reductions thereof on the current
Distribution Date 1.143%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the current
Distribution Date $57,142,858.00
b. The Collateral Invested Amount after giving effect
to all withdrawals, deposits, and payments on the
current Distribution Date $57,142,858.00
9. Total Enhancement
-----------------
a. The total Enhancement for the current Distribution
Date $61,714,287.00
b. The total Enhancement after giving effect to all
withdrawals, depostis and payments on the current
Distribution Date $61,714,287.00
C. The Pool Factor
- --------------------
The Pool Factor (which represents the ratio of the
Class A Adjusted Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Adjusted Investor Charge-Offs set forth in
B.5.a above and for the distributions of principal
set forth in A.2 above to the Class A Adjusted Initial
Invested Amount). The amount of a Class A Adjusted
Certificateholder's pro rata share of the Class A
Adjusted Invested Amount can be determined by
multiplying the original denomination of the holder's
Class A Adjusted Certificate by the Pool Factor 100.00000000%
D. Principal Funding Account
- ------------------------------
1. The Principal Funding Investment Proceeds deposited
in the Collection Account for the current Distribution
Date to be treated as Class A Available Funds $0.00
2. The Excess Principal Funding Investment Proceeds
for the current Distribution Date $0.00
3. The Principal Funding Account Balance as of the end
of the day on the current Distribution Date $0.00
4. The Deficit Controlled Accumulation Amount for the
preceding Due Period $0.00
E. Reserve Account
- --------------------
1. The Reserve Draw Amount for the current Distribution
Date $0.00
2 . The amount on deposit in the Reserve Account as of the
end of the day on the current Distribution Date (the
"Available Reserve Account Amount" for the next
Distribution Date) $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ Tracie Klein
-----------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28M
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1998-V
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1998-V
Supplement dated as of November 1, 1998 by and between First USA and the
Trustee, First USA, as Servicer, is required to prepare certain information for
each Payment Date regarding current distributions to Class A Certificateholders
and the performance of the First Chicago Master Trust II (the "Trust") during
the previous period. The information which is required to be prepared with
respect to the distribution on the November 15, 1999 Payment Date and with
respect to the performance of the Trust during the Due Period for such Payment
Date is set forth below. Certain of the information is presented on the
aggregate amounts for the Trust as a whole. All capitalized terms used herein
shall have the respective meanings set forth in the Pooling and Servicing
Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Class A Adjusted
Certificateholders on the Payment Date
per $1,000 interest. $4.896
2. The amount of the distribution set forth in paragraph
1 above in respect of principal on the Class A Adjusted
Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in paragraph
1 above in respect of interest on the Class A Adjusted
Certificates, per $1,000 interest $4.896
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1998-V Certificates $21,858,219.45
c. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates $19,125,942.01
d. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect of
the Class A Adjusted Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $10,236,343.39
f. The amount of Reallocated Principal Collections for
the Due Period with respect to the current Distribution
Date allocated in respect of the Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1998-V Certificates,
if any $0.00
<PAGE>
Series 1998-V
h. The amount of Excess Principal Collections allocated
in respect of the Series 1998-V Certificates, if any $0.00
2. Receivables in Trust
-------------------------
a. Aggregate Principal Receivables for the Due Period with
respect to the current Distribution Date (which reflects
the Principal Receivables represented by the Exchangeable
Seller's Certificate and by the Investor Certificates
of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1998-V Certificates (the
"Adjusted Invested Amount") for the Due Period with
respect to the current Distribution Date $1,142,857,143.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates
(the "Class A Adjusted Invested Amount") for the
Due Period with respect to the current
Distribution Date $1,000,000,000.00
d. The Invested Amount for the Due Period with respect
to the current Distribution Date $1,142,857,143.00
e. The Class A Invested Amount for the Due Period with
respect to the current Distribution Date $1,000,000,000.00
f. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1998-V
Certificates for the Due Period with respect to
the current Distribution Date 7.096%
g. The Invested Percentage with respect to Principal
Receivables for the Series 1998-V Certificates for
the Due Period with respect to the current
Distribution Date 7.096%
h. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
i. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
j. The Collateral Floating Percentage for the Due Period
with respect to the current Distribution Date 12.500%
k. The Collateral Principal Percentage for the Due Period
with respect to the current Distribution Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in the
Accounts which were 30 or more days delinquent as of
the end of the Due Period for the current Distribution
Date $933,915,652.05
<PAGE>
Series 1998-V
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date allocable
to the Series 1998-V Certificates (the "Investor Default Amount")
1. Investor Default Amount $7,414,043.15
2. Recoveries $ 362,459.36
3. Net Default Receivables $7,051,583.79
b. The Class A Investor Default Amount
1. Investor Default Amount $6,487,287.76
2. Recoveries $ 317,151.94
3. Net Default Receivables $6,170,135.82
c. The Collateral Investor Default Amount
1. Investor Default Amount $926,755.39
2. Recoveries $ 45,307.42
3. Net Default Receivables $881,447.97
5. Investor Charge-offs.
--------------------------
a. The amount of the Class A Adjusted Investor
Charge-Offs per $1,000 interest after reimbursement
of any such Class A Adjusted Investor Charge-Offs for
the Due Period with respect to the current Distribution
Date $0.00
b. The amount attributable to Class A Adjusted Investor
Charge-Offs, if any, by which the principal balance of
the Class A Adjusted Certificates exceeds the Class A
Adjusted Invested Amount as of the end of the day on the
Record Date with respect to the current Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if any, for the
Due Period with respect to the current Distribution Date $0.00
6. Monthly Servicing Fee
--------------------------
a. The amount of the Monthly Servicing Fee payable from
available funds by the Trust to the Servicer with respect
to the current Distribution Date $238,095.24
b. The amount of the Interchange Monthly Servicing Fee
payable to the Servicer with respect to the current
Distribution Date $1,190,476.19
7. Available Cash Collateral Amount
-------------------------------------
a. The amount, if any, withdrawn from the Cash Collateral
Account for the current Distribution Date
(the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the Cash
Collateral Account as of the end of the day on the
current Distribution Date, after giving effect to all
withdrawals, deposits and payments to be made on such
Distribution Date (the "Available Cash Collateral Amount"
for the next Distribution Date) $11,428,572.00
<PAGE>
Series: 1998-V
c. The amount as computed in 7.b as a percentage of the
Class A Adjusted Invested Amount after giving effect
to all reductions thereof on the current Distribution
Date 1.143%
8. Collateral Invested Amount
--------------------------
a. The Collateral Invested Amount for the current
Distribution Date $142,857,143.00
b. The Collateral Invested Amount after giving effect
to all withdrawals, deposits, and payments on the
current Distribution Date $142,857,143.00
9. Total Enhancement
-----------------
a. The total Enhancement for the current Distribution
Date $154,285,715.00
b. The total Enhancement after giving effect to all
withdrawals, depostis and payments on the current
Distribution Date $154,285,715.00
C. The Pool Factor
- --------------------
The Pool Factor (which represents the ratio of the
Class A Adjusted Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Adjusted Investor Charge-Offs set forth in
B.5.a above and for the distributions of principal
set forth in A.2 above to the Class A Adjusted
Initial Invested Amount). The amount of a Class A
Adjusted Certificateholder's pro rata share of the
Class A Adjusted Invested Amount can be determined
by multiplying the original denomination of the
holder's Class A Adjusted Certificate by the
Pool Factor 100.00000000%
D. Principal Funding Account
- ------------------------------
1. The Principal Funding Investment Proceeds deposited in
the Collection Account for the current Distribution Date
to be treated as Class A Available Funds $0.00
2. The Excess Principal Funding Investment Proceeds for
the current Distribution Date $0.00
3. The Principal Funding Account Balance as of the end
of the day on the current Distribution Date $0.00
4. The Deficit Controlled Accumulation Amount for the
preceding Due Period $0.00
E. Reserve Account
- --------------------
1. The Reserve Draw Amount for the current
Distribution Date $0.00
2. The amount on deposit in the Reserve Account as of
the end of the day on the current Distribution Date
(the "Available Reserve Account Amount" for the next
Distribution Date) $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ Tracie Klein
------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28N
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1999-W
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1999-W
Supplement dated as of March 1, 1999 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Class A
Adjusted Certificateholders on the Payment Date
per $1,000 interest. $4.750
2. The amount of the distribution set forth in
paragraph 1 above in respect of principal on the
Class A Adjusted Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in
paragraph 1 above in respect of interest on the
Class A Adjusted Certificates, per $1,000 interest $4.750
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1999-W Certificates $16,393,664.60
c. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates $14,344,456.52
d. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect
of the Class A Adjusted Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $7,787,049.22
f. The amount of Reallocated Principal Collections
for the Due Period with respect to the current
Distribution Date allocated in respect of the Class A
Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1999-W Certificates,
if any $0.00
<PAGE>
Series 1999-W
h. The amount of Excess Principal Collections allocated
in respect of the Series 1999-W Certificates, if any $0.00
2. Receivables in Trust
-------------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date
(which reflects the Principal Receivables represented
by the Exchangeable Seller's Certificate and by the
Investor Certificates of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1999-W Certificates
(the "Adjusted Invested Amount") for the Due Period
with respect to the current Distribution Date $857,142,857.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates
(the "Class A Adjusted Invested Amount") for the
Due Period with respect to the current Distribution
Date $750,000,000.00
d. The Invested Amount for the Due Period with respect
to the current Distribution Date $857,142,857.00
e. The Class A Invested Amount for the Due Period with
respect to the current Distribution Date $750,000,000.00
f. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1999-W
Certificates for the Due Period with respect to
the current Distribution Date 5.322%
g. The Invested Percentage with respect to Principal
Receivables for the Series 1999-W Certificates for
the Due Period with respect to the current
Distribution Date 5.322%
h. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
i. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
j. The Collateral Floating Percentage for the Due Period
with respect to the current Distribution Date 12.500%
k. The Collateral Principal Percentage for the Due Period
with respect to the current Distribution Date 12.500%
3. Delinquent Balances
------------------------
The aggregate amount of outstanding balances in the
Accounts which were 30 or more days delinquent as of
the end of the Due Period for the current
Distribution Date $933,915,652.05
<PAGE>
Series 1999-W
4. Investor Default Amount
----------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date allocable
to the Series 1999-W Certificates (the "Investor Default Amount")
1. Investor Default Amount $5,560,532.36
2. Recoveries $ 271,844.53
3. Net Default Receivables $5,288,687.83
b. The Class A Investor Default Amount
1. Investor Default Amount $4,865,465.82
2. Recoveries $ 237,863.96
3. Net Default Receivables $4,627,601.86
c. The Collateral Investor Default Amount
1. Investor Default Amount $695,066.54
2. Recoveries $ 33,980.57
3. Net Default Receivables $661,085.97
5. Investor Charge-offs.
--------------------------
a. The amount of the Class A Adjusted Investor
Charge-Offs per $1,000 interest after reimbursement
of any such Class A Adjusted Investor Charge-Offs
for the Due Period with respect to the current
Distribution Date $0.00
b. The amount attributable to Class A Adjusted
Investor Charge-Offs, if any, by which the
principal balance of the Class A Adjusted
Certificates exceeds the Class A Adjusted
Invested Amount as of the end of the day on
the Record Date with respect to the current
Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if any,
for the Due Period with respect to the current
Distribution Date $0.00
6. Monthly Servicing Fee
--------------------------
a. The amount of the Monthly Servicing Fee payable
from available funds by the Trust to the Servicer
with respect to the current Distribution Date $178,571.43
b. The amount of the Interchange Monthly Servicing
Fee payable to the Servicer with respect to the
current Distribution Date $892,857.14
7. Available Cash Collateral Amount
-------------------------------------
a. The amount, if any, withdrawn from the Cash
Collateral Account for the current Distribution
Date (the "Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the
Cash Collateral Account as of the end of the day
on the current Distribution Date, after giving
effect to all withdrawals, deposits and payments
to be made on such Distribution Date (the "Available
Cash Collateral Amount" for the next Distribution Date) $8,571,429.00
<PAGE>
Series: 1999-W
c. The amount as computed in 7.b as a percentage of
the Class A Adjusted Invested Amount after giving
effect to all reductions thereof on the current
Distribution Date 1.143%
8. Collateral Invested Amount
--------------------------
a. The Collateral Invested Amount for the current
Distribution Date $107,142,857.00
b. The Collateral Invested Amount after giving
effect to all withdrawals, deposits, and
payments on the current Distribution Date $107,142,857.00
9. Total Enhancement
-----------------
a. The total Enhancement for the current
Distribution Date $115,714,286.00
b. The total Enhancement after giving effect to
all withdrawals, depostis and payments on the
current Distribution Date $115,714,286.00
C. The Pool Factor
- --------------------
The Pool Factor (which represents the ratio of the
Class A Adjusted Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Adjusted Investor Charge-Offs set forth in
B.5.a above and for the distributions of principal
set forth in A.2 above to the Class A Adjusted
Initial Invested Amount). The amount of a Class A
Adjusted Certificateholder's pro rata share of the
Class A Adjusted Invested Amount can be determined
by multiplying the original denomination of the
holder's Class A Adjusted Certificate by the
Pool Factor 100.00000000%
D. Principal Funding Account
- ------------------------------
1. The Principal Funding Investment Proceeds deposited
in the Collection Account for the current Distribution
Date to be treated as Class A Available Funds $0.00
2. The Excess Principal Funding Investment Proceeds for
the current Distribution Date $0.00
3. The Principal Funding Account Balance as of the end
of the day on the current Distribution Date $0.00
4. The Deficit Controlled Accumulation Amount for the
preceding Due Period $0.00
E. Reserve Account
- --------------------
1. The Reserve Draw Amount for the current
Distribution Date $0.00
2. The amount on deposit in the Reserve Account as of
the end of the day on the current Distribution Date
(the "Available Reserve Account Amount" for the next
Distribution Date) $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ Tracie Klein
---------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28O
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1999-X
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1999-X
Supplement dated as of June 1, 1999 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of $1,000
Original Principal Amount)
1. The total amount of the distribution to Class A Adjusted
Certificateholders on the Payment Date per $1,000 interest. $4.785
2. The amount of the distribution set forth in paragraph 1 above
in respect of principal on the Class A Adjusted Certificates,
per $1,000 interest $0.000
3. The amount of the distribution set forth in paragraph 1 above
in respect of interest on the Class A Adjusted Certificates,
per $1,000 interest $4.785
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1999-X Certificates $16,393,664.60
c. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates $14,344,456.52
d. The amount of Collections of Receivables processed for
the Due Period with respect to the current Distribution
Date which were allocated in respect of the Class A
Adjusted Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $7,761,215.89
f. The amount of Reallocated Principal Collections for the
Due Period with respect to the current Distribution Date
allocated in respect of the Class A Certificates $0.00
g. The amount of Excess Finance Charge Collections allocated in
respect of the Series 1999-X Certificates, if any $0.00
<PAGE>
Series 1999-X
h. The amount of Excess Principal Collections allocated in
respect of the Series 1999-X Certificates, if any $0.00
2. Receivables in Trust
-----------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date (which
reflects the Principal Receivables represented by
the Exchangeable Seller's Certificate and by the
Investor Certificates of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1999-X Certificates (the
"Adjusted Invested Amount") for the Due Period with
respect to the current Distribution Date $857,142,857.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates (the "Class
A Adjusted Invested Amount") for the Due Period with
respect to the current Distribution Date $750,000,000.00
d. The Invested Amount for the Due Period with respect to
the current Distribution Date $857,142,857.00
e. The Class A Invested Amount for the Due Period with
respect to the current Distribution Date $750,000,000.00
f. The Invested Percentage with respect to Finance Charge
Receivables (including Interchange) and Defaulted
Receivables for the Series 1999-X Certificates for the
Due Period with respect to the current Distribution Date 5.322%
g. The Invested Percentage with respect to Principal
Receivables for the Series 1999-X Certificates for the
Due Period with respect to the current Distribution Date 5.322%
h. The Class A Floating Percentage for the Due Period with
respect to the current Distribution Date 87.500%
i. The Class A Principal Percentage for the Due Period with
respect to the current Distribution Date 87.500%
j. The Collateral Floating Percentage for the Due Period with
respect to the current Distribution Date 12.500%
k. The Collateral Principal Percentage for the Due Period with
respect to the current Distribution Date 12.500%
3. Delinquent Balances
----------------------
The aggregate amount of outstanding balances in the
Accounts which were 30 or more days delinquent as of
the end of the Due Period for the current Distribution
Date $933,915,652.05
<PAGE>
Series 1999-X
4. Investor Default Amount
--------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date allocable
to the Series 1999-X Certificates (the "Investor
Default Amount")
1. Investor Default Amount $5,560,532.36
2. Recoveries $ 271,844.53
3. Net Default Receivables $5,288,687.83
b. The Class A Investor Default Amount
1. Investor Default Amount $4,865,465.82
2. Recoveries $ 237,863.96
3. Net Default Receivables $4,627,601.86
c. The Collateral Investor Default Amount
1. Investor Default Amount $695,066.54
2. Recoveries $ 33,980.57
3. Net Default Receivables $661,085.97
5. Investor Charge-offs.
------------------------
a. The amount of the Class A Adjusted Investor Charge-
Offs per $1,000 interest after reimbursement of any
such Class A Adjusted Investor Charge-Offs for the
Due Period with respect to the current Distribution Date $0.00
b. The amount attributable to Class A Adjusted Investor
Charge-Offs, if any, by which the principal balance of
the Class A Adjusted Certificates exceeds the Class A
Adjusted Invested Amount as of the end of the day on
the Record Date with respect to the current Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if any, for the
Due Period with respect to the current Distribution Date $0.00
6. Monthly Servicing Fee
------------------------
a. The amount of the Monthly Servicing Fee payable from
available funds by the Trust to the Servicer with
respect to the current Distribution Date $178,571.43
b. The amount of the Interchange Monthly Servicing Fee
payable to the Servicer with respect to the
current Distribution Date $892,857.14
7. Available Cash Collateral Amount
-----------------------------------
a. The amount, if any, withdrawn from the Cash Collateral
Account for the current Distribution Date (the
"Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the Cash
Collateral Account as of the end of the day on the
current Distribution Date, after giving effect to
all withdrawals, deposits and payments to be made
on such Distribution Date (the "Available Cash
Collateral Amount" for the next Distribution Date) $8,571,429.00
<PAGE>
Series: 1999-X
c. The amount as computed in 7.b as a percentage of the
Class A Adjusted Invested Amount after giving effect
to all reductions thereof on the current Distribution
Date 1.143%
8. Collateral Invested Amount
-----------------------------
a. The Collateral Invested Amount for the current
Distribution Date $107,142,857.00
b. The Collateral Invested Amount after giving effect to
all withdrawals, deposits, and payments on the current
Distribution Date $107,142,857.00
9. Total Enhancement
--------------------
a. The total Enhancement for the current Distribution
Date $115,714,286.00
b. The total Enhancement after giving effect to all
withdrawals, depostis and payments on the current
Distribution Date $115,714,286.00
C. The Pool Factor
------------------
The Pool Factor (which represents the ratio of the
Class A Adjusted Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Adjusted Investor Charge-Offs set forth in
B.5.a above and for the distributions of principal
set forth in A.2 above to the Class A Adjusted Initial
Invested Amount). The amount of a Class A Adjusted
Certificateholder's pro rata share of the Class A
Adjusted Invested Amount can be determined by
multiplying the original denomination of the holder's
Class A Adjusted Certificate by the Pool Factor 100.00000000%
D. Principal Funding Account
----------------------------
1. The Principal Funding Investment Proceeds deposited in
the Collection Account for the current Distribution Date
to be treated as Class A Available Funds $0.00
2. The Excess Principal Funding Investment Proceeds for the
current Distribution Date $0.00
3. The Principal Funding Account Balance as of the end of the
day on the current Distribution Date $0.00
4. The Deficit Controlled Accumulation Amount for the preceding
Due Period $0.00
E. Reserve Account
------------------
1. The Reserve Draw Amount for the current Distribution Date $0.00
2. The amount on deposit in the Reserve Account as of the end
of the day on the current Distribution Date (the "Available
Reserve Account Amount" for the next Distribution Date) $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
--------------------------------
TRACIE KLEIN
Title: FIRST VICE PRESIDENT
<PAGE>
EXHIBIT 28P
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
First USA Bank, N.A.
FIRST CHICAGO MASTER TRUST II
Series 1999-Y
November 9, 1999
Under the Pooling and Servicing Agreement (the "Pooling and Servicing
Agreement") dated as of June 1, 1990 as amended and restated as of September 1,
1999, by and between First USA Bank, National Association,, as Seller and
Servicer ("First USA"), and Norwest Bank Minnesota, National Association, as
Trustee, (the "Trustee"), as amended and supplemented by the Series 1999-Y
Supplement dated as of August 1, 1999 by and between First USA and the Trustee,
First USA, as Servicer, is required to prepare certain information for each
Payment Date regarding current distributions to Class A Certificateholders and
the performance of the First Chicago Master Trust II (the "Trust") during the
previous period. The information which is required to be prepared with respect
to the distribution on the November 15, 1999 Payment Date and with respect to
the performance of the Trust during the Due Period for such Payment Date is set
forth below. Certain of the information is presented on the aggregate amounts
for the Trust as a whole. All capitalized terms used herein shall have the
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution (Stated on the Basis of
$1,000 Original Principal Amount)
1. The total amount of the distribution to Class A
Adjusted Certificateholders on the Payment Date
per $1,000 interest. $4.828
2. The amount of the distribution set forth in paragraph
1 above in respect of principal on the Class A Adjusted
Certificates, per $1,000 interest $0.000
3. The amount of the distribution set forth in paragraph 1
above in respect of interest on the Class A Adjusted
Certificates, per $1,000 interest $4.828
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
-----------------------------
a. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Investor Certificates of all Series $695,734,442.82
b. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Series 1999-Y Certificates $12,022,020.70
c. The aggregate amount of Collections of Receivables
processed for the Due Period with respect to the
current Distribution Date which were allocated in
respect of the Class A Certificates $10,519,268.11
d. The amount of Collections of Receivables processed
for the Due Period with respect to the current
Distribution Date which were allocated in respect of
the Class A Adjusted Certificates, per $1,000 interest $19.126
e. The amount of Excess Spread for the Due Period with
respect to the current Distribution Date $5,667,877.76
f. The amount of Reallocated Principal Collections for
the Due Period with respect to the current
Distribution Date allocated in respect of the Class A
Certificates $0.00
g. The amount of Excess Finance Charge Collections
allocated in respect of the Series 1999-Y Certificates,
if any $0.00
<PAGE>
Series 1999-Y
h. The amount of Excess Principal Collections allocated
in respect of the Series 1999-Y Certificates, if any $0.00
2. Receivables in Trust
-------------------------
a. Aggregate Principal Receivables for the Due Period
with respect to the current Distribution Date (which
reflects the Principal Receivables represented by the
Exchangeable Seller's Certificate and by the Investor
Certificates of all Series) $16,105,583,646.73
b. The amount of Principal Receivables in the Trust
represented by the Series 1999-Y Certificates (the
"Adjusted Invested Amount") for the Due Period with
respect to the current Distribution Date $628,571,429.00
c. The amount of Principal Receivables in the Trust
represented by the Class A Certificates (the
"Class A Adjusted Invested Amount") for the Due
Period with respect to the current Distribution Date
$550,000,000.00
d. The Invested Amount for the Due Period with respect
to the current Distribution Date $628,571,429.00
e. The Class A Invested Amount for the Due Period with
respect to the current Distribution Date $550,000,000.00
f. The Invested Percentage with respect to Finance
Charge Receivables (including Interchange) and
Defaulted Receivables for the Series 1999-Y
Certificates for the Due Period with respect to the
current Distribution Date 3.903%
g. The Invested Percentage with respect to Principal
Receivables for the Series 1999-Y Certificates for
the Due Period with respect to the current
Distribution Date 3.903%
h. The Class A Floating Percentage for the Due Period
with respect to the current Distribution Date 87.500%
i. The Class A Principal Percentage for the Due Period
with respect to the current Distribution Date 87.500%
j. The Collateral Floating Percentage for the Due Period
with respect to the current Distribution Date 12.500%
k. The Collateral Principal Percentage for the Due Period
with respect to the current Distribution Date 12.500%
3. Delinquent Balances
-----------------------
The aggregate amount of outstanding balances in the
Accounts which were 30 or more days delinquent as of
the end of the Due Period for the current Distribution
Date $933,915,652.05
<PAGE>
Series 1999-Y
4. Investor Default Amount
---------------------------
a. The aggregate amount of all Defaulted Receivables
written off as uncollectible during the Due Period
with respect to the current Distribution Date allocable
to the Series 1999-Y Certificates (the "Investor
Default Amount")
1. Investor Default Amount $4,077,723.74
2. Recoveries $ 199,352.65
3. Net Default Receivables $3,878,371.09
b. The Class A Investor Default Amount
1. Investor Default Amount $3,568,008.27
2. Recoveries $ 174,433.57
3. Net Default Receivables $3,393,574.70
c. The Collateral Investor Default Amount
1. Investor Default Amount $509,715.47
2. Recoveries $ 24,919.08
3. Net Default Receivables $484,796.39
5. Investor Charge-offs.
-------------------------
a. The amount of the Class A Adjusted Investor
Charge-Offs per $1,000 interest after reimbursement
of any such Class A Adjusted Investor Charge-Offs for
the Due Period with respect to the current
Distribution Date $0.00
b. The amount attributable to Class A Adjusted Investor
Charge-Offs, if any, by which the principal balance
of the Class A Adjusted Certificates exceeds the
Class A Adjusted Invested Amount as of the end of
the day on the Record Date with respect to the current
Distribution Date $0.00
c. The amount of the Collateral Charge-Offs,if any, for
the Due Period with respect to the current Distribution
Date $0.00
6. Monthly Servicing Fee
-------------------------
a. The amount of the Monthly Servicing Fee payable from
available funds by the Trust to the Servicer with
respect to the current Distribution Date $130,952.38
b. The amount of the Interchange Monthly Servicing Fee
payable to the Servicer with respect to the
current Distribution Date $654,761.91
7. Available Cash Collateral Amount
------------------------------------
a. The amount, if any, withdrawn from the Cash Collateral
Account for the current Distribution Date (the
"Withdrawal Amount") $0.00
b. The amount available to be withdrawn from the Cash
Collateral Account as of the end of the day on the
current Distribution Date, after giving effect to all
withdrawals, deposits and payments to be made on such
Distribution Date (the "Available Cash Collateral
Amount" for the next Distribution Date) $6,285,715.00
<PAGE>
Series: 1999-Y
c. The amount as computed in 7.b as a percentage of the
Class A Adjusted Invested Amount after giving effect
to all reductions thereof on the current Distribution
Date 1.143%
8. Collateral Invested Amount
------------------------------
a. The Collateral Invested Amount for the current
Distribution Date $78,571,429.00
b. The Collateral Invested Amount after giving effect to
all withdrawals, deposits, and payments on the current
Distribution Date $78,571,429.00
9. Total Enhancement
---------------------
a. The total Enhancement for the current Distribution Date
$84,857,144.00
b. The total Enhancement after giving effect to all
withdrawals, depostis and payments on the current
Distribution Date $84,857,144.00
C. The Pool Factor
- -------------------
The Pool Factor (which represents the ratio of the
Class A Adjusted Invested Amount on the last day of
the month ending on the Record Date adjusted for
Class A Adjusted Investor Charge-Offs set forth in
B.5.a above and for the distributions of principal
set forth in A.2 above to the Class A Adjusted Initial
Invested Amount). The amount of a Class A Adjusted
Certificateholder's pro rata share of the Class A
Adjusted Invested Amount can be determined by
multiplying the original denomination of the holder's
Class A Adjusted Certificate by the Pool Factor 100.00000000%
D. Principal Funding Account
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1. The Principal Funding Investment Proceeds deposited
in the Collection Account for the current Distribution
Date to be treated as Class A Available Funds $0.00
2. The Excess Principal Funding Investment Proceeds for
the current Distribution Date $0.00
3. The Principal Funding Account Balance as of the end of
the day on the current Distribution Date $0.00
4. The Deficit Controlled Accumulation Amount for the
preceding Due Period $0.00
E. Reserve Account
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1. The Reserve Draw Amount for the current Distribution Date $0.00
2. The amount on deposit in the Reserve Account as of the
end of the day on the current Distribution Date (the
"Available Reserve Account Amount" for the next
Distribution Date) $0.00
<PAGE>
CERTIFICATEHOLDER'S PAYMENT DATE STATEMENT
Signature Page
First USA Bank, N.A.
Servicer
By: /s/ TRACIE KLEIN
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TRACIE KLEIN
Title: FIRST VICE PRESIDENT
