<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K/A
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) June 10, 1999
-------------
FIRST USA BANK, NATIONAL ASSOCIATION
- --------------------------------------------------------------------------------
(Exact name of registrant as specified in its charter)
(As Servicer on behalf of FIRST USA CREDIT CARD MASTER TRUST)
Laws of the United States 33-99362 51-0269396
- ------------------------- -------- ----------
(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation or Identification Number)
organization)
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 Registrant hereby amends and restates in its entirety Exhibit 99.04 and
Exhibit 99.22 as previously filed on June 30, 1999 on a Form 8-K dated as of
June 10, 1999.
Item 7. Financial Statements and Exhibits.
(c) Exhibits
(99.04) Monthly Certificateholders' Statement of the Trust which
contains information relating to the Series 1994-8 Certificates.
(99.22) Monthly Certificateholders' Statement of the Trust which
contains information relating to the Series 1997-10 Certificates.
<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: May 16, 2000
------------
<PAGE>
EXHIBIT 99.04
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-8
-----------------------------------------------
Monthly Period: 05/01/99 to
05/31/99
Distribution Date: 06/15/99
Transfer Date: 06/14/99
Under Section 5.02 of the Pooling and Servicing Agreement dated as of
September 1, 1992 (the "Pooling and Servicing Agreement") by and between First
USA Bank, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1994-8 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution.
-----------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date
per $1,000 original certificate
principal amount
Class A (quarterly) $0.00000000
Class B (quarterly) 0.00000000
Collateral Inv. Amt. 4.47486111
2. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Certificates, per $1,000 original
certificate principal amount
Class A (quarterly) $0.00000000
Class B (quarterly) $0.00000000
Collateral Inv. Amt. 4.47486111
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original certificate
principal amount
Class A (quarterly) $0.00000000
Class B (quarterly) 0.00000000
Collateral Inv. Amt. 0.00000000
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of Principal
Receivables processed during the Monthly Period
which were allocated in respect of the Certificates
Class A $77,948,942.42
Class B 6,117,746.94
Collateral Inv. Amt. 9,852,493.73
---------------------
Total $93,919,183.09
=====================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated
in respect of the Certificates
Class A $8,062,175.17
Class B 631,381.19
Collateral Inv. Amt. 1,019,913.53
---------------------
Total $9,713,469.89
=====================
(b) Interest Funding Investment Proceeds
(to Class A) 8,012.18
(c) Principal Funding Investment Proceeds
(to Class A) 0.00
(d) Withdrawals from Reserve Account
(to Class A) 0.00
---------------------
Total Class A Available Funds $8,070,187.35
=====================
(b) Interest Funding Investment Proceeds
(to Class B) 649.64
---------------------
Total Class B F/C and Investment
Proceeds $632,030.83
=====================
3. Principal Receivables/Investor Percentages
------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $32,817,857,841.97
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 3
(b) Invested Amount as of the last day of the
preceding month (Adjusted Class A Invested
Amount during Accumulation Period)
Class A $500,000,000.00
Class B 39,157,000.00
Collateral Inv. Amt. 63,253,000.00
----------------------
Total $602,410,000.00
======================
(c) The Floating Allocation Percentage: The
Invested Amount set forth in paragraph
3(b) above as a percentage of the aggregate
amount of Principal Receivables as of the
Record Date set forth in paragraph 3(a)
above
Class A 1.524%
Class B 0.119%
Collateral Inv. Amt. 0.193%
----------------------
Total 1.836%
(d) During the Amortization Period: The Invested
Amount as of ____________ (the last day of
the Revolving Period)
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
----------------------
Total N.A.
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
3(d) above as a percentage of the
aggregate amount of Principal Receivables
set forth in paragraph 3(a) above
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
----------------------
Total N.A.
4. Delinquent Balances.
--------------------
The aggregate amount of outstanding balances in Aggregate
the Accounts which were delinquent as of the Account
end of the day on the last day of the Monthly Balance
Period ----------------------
(a) 35 - 64 days $412,685,721.00
(b) 65 - 94 days 285,674,639.75
(c) 95 - 124 days 249,886,790.87
(d) 125 - 154 days 212,424,067.87
(e) 155 - 184 days 187,945,394.37
(f) 185 or more days 0.00
----------------------
Total $1,348,616,613.86
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Collection Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $2,092,527.07
Class B $163,874.16
Collateral Inv. Amt. $264,717.23
----------------------
Total $2,521,118.46
======================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per original $1,000
interest
Class A $4.19
Class B 4.19
Collateral Inv. Amt. 4.19
----------------------
Total $4.19
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the
amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 5
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the
Class B Invested Amount and the
Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
---------------------
Total $0.00
=====================
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
---------------------
Total $0.00
=====================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly Period
Class A $625,000.00
Class B $48,946.25
Collateral Inv. Amt. $79,066.25
---------------------
Total $753,012.50
=====================
(b) The amount set forth in paragraph 7(a)
above, per $1,000 interest
Class A $1.25000000
Class B 1.25000000
Collateral Inv. Amt. 1.25000000
---------------------
Total $1.25000000
=====================
8. Reallocated Principal Collections
---------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
Collateral Inv. Amt. 0.00
---------------------
Total $0.00
=====================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 6
9. Collateral Invested Amount
--------------------------
(a) The amount of the Collateral Invested
Amount as of the close of business on
the related Distribution Date after
giving effect to withdrawals, deposits
and payments to be made in respect of
the preceding month $63,253,000.00
(b) The Required Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $63,253,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of the amount of the
Investor Interest on the last day of the Monthly Period to the amount of
the Investor Interest as of the Closing Date). The amount of a
Certificateholder's pro rata share of the Investor Participation Amount
can be determined by multiplying the original denomination of the
holder's Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
---------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield
-------------------
The Portfolio Yield for the related Monthly Period 14.34%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.26%
C. Information Regarding the Interest Funding Account
---------------------------------------------------
Beginning Balance (Class A) $0.00
Plus: Interest for Related Monthly Period
from Finance Charge Account 2,110,555.56
Plus: Interest on Interest Funding Account
Balance for Related Monthly Period 8,012.18
Less Withdrawals to Finance Charge Account 8,012.18
Less Withdrawals to Distribution Account $0.00
---------------------
Ending Balance (Class A) $2,110,555.56
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 7
Beginning Balance (Class B) $0.00
Plus: Interest for Related Monthly Period
from Finance Charge Account 171,910.11
Plus: Interest on Interest Funding Account Balance
for Related Monthly Period 649.64
Less: Withdrawals to Finance Charge Account 649.64
Less: Withdrawals to Distribution Account $0.00
---------------------
Ending Balance (Class B) $171,910.11
D. Information Regarding the Principal Funding Account
---------------------------------------------------
1. Accumulation Period
-------------------
(a) Accumulation Period commencement date 09/30/01
(b) Accumulation Period length 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $500,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.90%
2. Principal Funding Account
-------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related Monthly
Period from Principal Amount 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period 0.00
Less: Withdrawals to Finance Charge Account 0.00
Less: Withdrawals to Distribution Account 0.00
---------------------
Ending Balance $0.00
3. Accumulation Shortfall
----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous
Monthly Period N/A
----------------------
Accumulation Shortfall for Previous
Monthly Period N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 8
4. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
E. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after effect of
any transfers on the Related Transfer Date $0.00
(d) Reserve Draw Amount transferred to the Finance
Charge Account on the Related Transfer Date
2. Reserve Account Investment Proceeds
-----------------------------------
Reserve Account Investment Proceeds transferred to the
Finance Charge Account on the Related Transfer Date $0.00
3. The Portfolio Adjusted Yield
----------------------------
The Portfolio Adjusted Yield for the related Mthly Period 7.30%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
Vice President
<PAGE>
EXHIBIT 99.22
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-10
-----------------------------------------------
Monthly Period: 05/01/99 to
05/31/99
Distribution Date: 06/17/99
Transfer Date: 06/16/99
Under Section 5.02 of the Pooling and Servicing Agreement dated as of
September 1, 1992 (the "Pooling and Servicing Agreement") by and between First
USA Bank, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1997-10 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A 4.29909723
Class B 4.45409720
CIA Inv. Amt. 4.91048614
2. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Certificates, per $1,000 original
certificate principal amount
Class A 4.29909723
Class B 4.45409720
CIA Inv. Amt. 4.91048614
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A 0.00
Class B 0.00
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $109,117,191.80
Class B 9,852,493.73
CIA Inv. Amt. 12,499,349.08
----------------------
Total $131,469,034.61
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $11,285,531.99
Class B 1,019,776.79
CIA Inv. Amt. 1,291,725.87
----------------------
Total 13,597,034.65
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $11,285,531.99
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $1,019,776.79
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,291,725.87
======================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
Page 3
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $32,817,857,841.97
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A 700,000,000.00
Class B 63,253,000.00
CIA Inv. Amt. 80,121,000.00
----------------------
Total 843,374,000.00
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
3(b) above as a percentage of the aggregate
amount of Principal Receivables as of the
Record Date set forth in paragraph 3(a)
above
Class A 2.133%
Class B 0.193%
CIA Inv. Amt. 0.244%
----------------------
Total 2.570%
(d) During the Amortization Period: The
Invested Amount as of _______ (the
last day of the Revolving Period)
Class A N/A
Class B N/A
CIA Inv. Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
3(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 3(a) above
Class A N/A
Class B N/A
CIA Inv. Amt. N/A
----------------------
Total N/A
4. Delinquent Balances.
--------------------
The aggregate amount of outstanding balances
in the Accounts which were delinquent as of
the end of the day on the last day of the
Monthly Period
(a) 35 - 64 days 412,685,721.00
(b) 65 - 94 days 285,674,639.75
(c) 95 - 124 days 249,886,790.87
(d) 125 - 154 days 212,424,067.87
(e) 155 - 184 days 187,945,394.37
(f) 185 or more days 0.00
----------------------
Total 1,348,616,613.86
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $2,929,136.17
Class B 264,680.93
CIA Inv. Amt. 335,264.74
----------------------
Total $3,529,081.84
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the Class B
Invested Amount and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly
Period
Class A $875,000.00
Class B $79,066.25
CIA Inv. Amt. $100,151.25
----------------------
Total $1,054,217.50
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
Page 5
8. Reallocated Principal Collections
---------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount
-------------------
(a) The amount of the CIA Invested Amount
as of the close of business on the
related Distribution Date after giving
effect to withdrawals, deposits and
payments to be made in respect of the
preceding month 80,121,000.00
(b) The Required CIA Invested Amount as
of the close of business on the related
Distribution Date after giving effect
to withdrawals, deposits and payments
to be made in respect of the preceding
month 80,121,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of the amount of the
Investor Interest on the last day of the Monthly Period to the amount of
the Investor Interest as of the Closing Date). The amount of a
Certificateholder's pro rata share of the Investor Participation Amount
can be determined by multiplying the original denomination of the
holder's Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield
-------------------
The Portfolio Yield for the related Monthly Period 14.33%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.07%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
Page 6
C. Information Regarding the Principal Funding Account
---------------------------------------------------
1. Accumulation Period
-------------------
(a) Accumulation Period Commencement Date 11/30/00
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $843,374,000.00
(f) Minimum Payment Rate (last 12 months) 13.90%
2. Principal Funding Account
-------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall
----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
Page 7
D. Information Regarding the Reserve Account
-----------------------------------------
1. Required Reserve Account Analysis
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds
-----------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account
------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield
----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 7.43%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
Vice President
