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Previous: FIRST USA BANK NATIONAL ASSOCIATION, 8-K, 2000-12-15 |
Next: FIRST USA BANK NATIONAL ASSOCIATION, 8-K, EX-28.B, 2000-12-15 |
<PAGE>
<TABLE>
<CAPTION>
EXHIBIT 28A
First Chicago Master Trust II
Excess Spread Analysis
For the month ended November 30, 2000
Card Trust FCMT2 95-M FCMT2 95-O FCMT2 95-P FCMT2 96-Q FCMT2 96-S
Deal Size $500 MM $500 MM $500 MM $900 MM $700 MM
Expected Maturity 10/15/02 12/16/02 12/15/00 02/15/02 12/16/02
<S> <C> <C> <C> <C> <C>
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| Excess Spread: |
| Portfolio Yield 23.09% 23.09% 23.09% 23.09% 23.09% |
| Less: Coupon 6.88% 6.89% 6.80% 6.78% 6.80% |
| Less: Serv Fees 1.50% 1.50% 1.50% 1.50% 1.50% |
| Less: Net Charge-Offs 7.17% 7.17% 7.17% 7.17% 7.17% |
| Excess Spread: |
| Nov-00 7.54% 7.53% 7.62% 7.64% 7.62% |
| Oct-00 8.62% 8.62% 8.69% 8.72% 8.71% |
| Sep-00 7.28% 7.27% 7.34% 7.38% 7.36% |
|----------------------------------------------------------------------------------------------------------------------------------|
| 3-Mo. Avg Excess Spread 7.81% 7.81% 7.88% 7.91% 7.90% |
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Over 30 Day Delinquency 4.72% 4.72% 4.72% 4.72% 4.72%
Monthly Payment Rate 29.63% 29.63% 29.63% 29.63% 29.63%
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<CAPTION>
Card Trust FCMT2 97-U FCMT2 98-V FCMT2 99-W FCMT2 99-X FCMT2 99-Y
Deal Size $400 MM $1 BIL $750 MM $750 MM $550 MM
Expected Maturity 10/15/02 10/15/01 3/15/02 6/16/03 8/15/03
<S> <C> <C> <C> <C> <C>
----------------------------------------------------------------------------------------------------------------------------------
| Excess Spread: |
| Portfolio Yield 23.09% 23.09% 23.09% 23.09% 23.09% |
| Less: Coupon 6.78% 6.96% 6.84% 6.87% 6.88% |
| Less: Serv Fees 1.50% 1.50% 1.50% 1.50% 1.50% |
| Less: Net Charge-Offs 7.17% 7.17% 7.17% 7.17% 7.17% |
| Excess Spread: |
| Nov-00 7.64% 7.46% 7.58% 7.55% 7.54% |
| Oct-00 8.72% 8.54% 8.59% 8.64% 8.63% |
| Sep-00 7.38% 7.19% 7.32% 7.29% 7.28% |
|----------------------------------------------------------------------------------------------------------------------------------|
| 3-Mo. Avg Excess Spread 7.91% 7.73% 7.83% 7.82% 7.82% |
----------------------------------------------------------------------------------------------------------------------------------
Over 30 Day Delinquency 4.72% 4.72% 4.72% 4.72% 4.72%
Monthly Payment Rate 29.63% 29.63% 29.63% 29.63% 29.63%
Note: Chargeoffs are presented net of recoveries
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