<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) AUGUST 12, 1996
---------------
FIRST USA BANK
- --------------------------------------------------------------------------------
(Exact name of registrant as specified in its charter)
(AS SERVICER ON BEHALF OF FIRST USA CREDIT CARD MASTER TRUST)
DELAWARE 33-99362 76-0039224
- ---------------------------- ------------------------ ----------------------
(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
Pursuant to the terms of the related Series Supplements to the Pooling
and Servicing Agreement dated as of September 1, 1992, (together, the
"Agreements") as amended from time to time, between First USA Bank as transferor
(the "Transferor") and servicer (the "Servicer") and The Bank of New York
(Delaware) as trustee (the "Trustee"), relating to the Asset Backed Certificates
listed below (the "Certificates") issued by First USA Credit Card Master Trust
(the "Trust"), the Trustee made payments relating to the collections for the
period of July 1 through July 31, 1996 (the "Collection Period"), on the Series
Certificates to those persons in whose names the Certificates were registered as
of the last business day of the Collection Period.
<TABLE>
<CAPTION>
Original Principal Original Principal Pooling and
Amount Amount Servicing Supplement Interest Principal
Series (Class A) (Class B) Date Interest Type Payment Payment
<S> <C> <C> <C> <C> <C> <C>
1992-1 308,000,000 42,000,000 September 1, 1992 Fixed yes yes
1993-1 500,000,000 - May 1, 1993 Floating yes no
1993-2 500,000,000 - October 1, 1993 Floating yes no
1993-3 750,000,000 - October 1, 1993 Floating yes no
1994-3 532,350,000 34,650,000 June 1, 1994 Floating yes no
1994-4 726,450,000 56,550,000 June 1, 1994 Floating yes no
1994-5 500,000,000 39,160,000 July 30, 1994 Floating yes no
1994-6 750,000,000 58,380,000 July 30, 1994 Floating yes no
1994-7 750,000,000 58,735,000 November 8,1994 Floating yes no
1994-8 500,000,000 39,157,000 November 8, 1994 Floating * no
1995-1 1,000,000,000 78,300,000 March 1, 1995 Floating yes no
1995-2 660,000,000 51,700,000 March 1, 1995 Floating yes no
1995-3 830,000,000 65,000,000 May 16, 1995 Floating yes no
1995-4 750,000,000 67,770,000 September 14, 1995 Floating yes no
1995-5 500,000,000 45,180,000 September 14, 1995 Floating yes no
1995-6 1,245,000,000 112,500,000 December 7, 1995 Floating yes no
1996-1 750,000,000 67,770,000 March 6, 1996 Floating yes no
1996-2 600,000,000 54,300,000 June 4, 1996 Floating yes no
</TABLE>
* Interest relating to the collection period is set aside by the Trustee to
fulfill quarterly interest payments on the February, May, August and November
Payment Dates.
The 1992-1 Certificates, 1993-1 Certificates, 1993-2 Certificates,
1993-3 Certificates, 1994-3 Certificates, 1994-4 Certificates, 1994-5
Certificates, 1994-6 Certificates, 1994-7 Certificates, 1994-8 Certificates,
1995-1 Certificates, 1995-2 Certificates, 1995-3 Certificates, 1995-4
Certificates, 1995-5 Certificates, 1995-6 Certificates, 1996-1 Certificates, and
1996-2 Certificates (collectively the "Certificates") represent beneficial
ownership of a portion (the "Investor Interest") of certain receivables (the
"Receivables") arising in certain credit card accounts (the "Accounts").
Reference is made to the Monthly Certificateholders' Statements of the Trust,
filed as Exhibits 99.01, 99.02, 99.03, 99.04, 99.05, 99.06, 99.07, 99.08, 99.09,
99.10, 99.11, 99.12, 99.13, 99.14, 99.15, 99.16, 99.17, and 99.18 to this
report.
<PAGE>
Item 7. Financial Statements and Exhibits.
The following exhibits are filed as a part of this report:
(99.01) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1992-1 Certificates.
(99.02) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1993-1 Certificates.
(99.03) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1993-2 Certificates.
(99.04) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1993-3 Certificates.
(99.05) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-3 Certificates.
(99.06) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-4 Certificates.
(99.07) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-5 Certificates.
(99.08) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-6 Certificates.
(99.09) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-7 Certificates.
(99.10) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-8 Certificates.
(99.11) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-1 Certificates.
(99.12) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-2 Certificates.
(99.13) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-3 Certificates.
(99.14) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-4 Certificates.
(99.15) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-5 Certificates.
<PAGE>
(99.16) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-6 Certificates.
(99.17) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-1 Certificates.
(99.18) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-2 Certificates.
<PAGE>
SIGNATURES
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
As Servicer
By: /s/ W. TODD PETERSON
-----------------------------------
W. Todd Peterson
Vice President
Date: August 26, 1996
---------------
<PAGE>
EXHIBIT 99.01
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1992-1
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
Under Section 5.02 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") and supplemented as of September
1, 1992 (the "Series 1992-1 Supplement") by and between First USA Bank (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 referenced above and with respect to the performance of the Trust during
the Collection Period referenced above is set forth below. Certain information
is presented on the basis of an original principal amount of $1,000 per Series
1992-1 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Certificate have their respective meanings set forth in the Pooling and
Servicing Agreement.
<TABLE>
<S> <C>
A. Information Regarding the Current Monthly Distribution.
1. The total amount of the distribution to
Certificateholders per $1,000 original certificate
principal amount
Class A $ 84.41666771
Class B $ 4.83333333
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 $ 1.08333329
Class B $ 4.83333333
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 2
<TABLE>
<S> <C>
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 $ 83.33333442
Class B $ 0.00000000
B. Information Regarding the Performance of the Trust.
1. Collection of Principal Receivables.
The aggregate amount of Collections of Principal
Receivables processed during the Collection Period
which were allocated in respect of the
Certificates
Class A $ 31,552,280.51
Class B $ 4,297,423.83
------------------
Total $ 35,849,704.34
==================
2. Collection of Finance Charge Receivables.
The aggregate amount of Collections of Finance
Charge Receivables processed during the Collection
Period which were allocated in respect of the
Certificates
Class A $ 1,068,324.92
Class B $ 582,722.71
------------------
Total $ 1,651,047.63
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal Receivables
in the Trust as of the last day of the
Collection Period $16,580,878,508.60
(b) Invested Amount as of the last day of the
Collection Period
Class A $ 51,333,330.00
Class B 42,000,000.00
------------------
Total $ 93,333,330.00
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 3
<TABLE>
<S> <C>
(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 set forth in
paragraph 3(a) above
Class A 0.310%
Class B 0.253%
------------------
Total 0.563%
(d) During the Amortization Period: The Invested
Amount as of September 30, 1995 (the last day
of the Revolving Period)
Class A $ 308,000,000.00
Class B 42,000,000.00
------------------
Total $ 350,000,000.00
(c) 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 1.858%
Class B 0.253%
------------------
Total 2.111%
4. Delinquent Balances.
The aggregate amount of outstanding balances in Aggregate
the Accounts which were delinquent as of the end Account
of the day on the last day of the Collection Balance
Period ------------
(a) 35 - 64 days 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 or more days 161,426,298.32
------------------
Total $ 833,355,750.42
==================
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
"Monthly Investor Default Amount")
Class A $ 296,928.88
Class B 161,961.22
------------------
Total $ 458,890.10
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 4
<TABLE>
<S> <C>
6. Investor Charge-Offs & Reimbursements of
Charge-Offs.
(a) The aggregate amount of Class A and Class B
Investor Charge-Offs during the Collection
Period
Class A $ 0.00
Class B 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
------------------
Total $ 0.00
==================
(c) The aggregate amount of Class A and Class B
Investor Charge-Offs reimbursed during the
Collection Period
Class A $ 0.00
Class B 0.00
------------------
Total $ 0.00
==================
(d) The amounts set forth in paragraph 6(c)
above, per $1,000 original certificate
principal amount (which will have the effect
of increasing, pro rata, the amount of each
Certificateholder's investment)
Class A $ 0.00
Class B 0.00
------------------
Total $ 0.00
==================
7. Investor Servicing Fee.
The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Collection Period
Class A $ 128,333.33
Class B 70,000.00
------------------
Total $ 198,333.33
8. Reallocated Principal Collections
The amount of Reallocated Principal Collections
applied in respect of Interest Shortfalls,
Servicer Fees or Class A Investor Default Amounts
for the prior month. $ 0.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 5
<TABLE>
<S> <C>
9. Withdrawals from Cash Collateral Account
The amount to be withdrawn from Cash Collateral
Account on the related Distribution date. $ 0.00
10. Cash Collateral Amount.
The Available Cash Collateral Amount as of the
close of business on the related Distribution Date
after giving effect to withdrawals, deposits and
payments to be made with respect to the Collection
Period
Total $ 24,903,385.33
The Required Cash Collateral Amount as of the
close of business on the related Distribution Date
after giving effect to withdrawals, deposits and
payments to be made with respect to the Collection
Period
Total $ 28,000,000.00
11. Funds on Deposit in Cash Collateral Account
The aggregate amount of funds on deposit in the
Cash Collateral Account pursuant to Section
2.11(a)(vii) of the Amended Loan Agreement on such
Distribution Date $ 3,903,385.33
12. Series 1992-1 Guaranty Amount
(a) The Available Series 1992-1 Guaranty Amount
on such Distribution Date $ 10,500,000.00
(b) The Required Series 1992-1 Guaranty Amount on
such Distribution Date $ 10,500,000.00
13. The Available Series 1992-1 Loan Amount
The Available Series 1992-1 Loan Amount
on such Distribution Date $ 10,500,000.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 6
<TABLE>
<S> <C>
14. The Pool Factor.
The Pool Factor (which represents the ratio of the
amount of the Investor Interest (taking into
account the reduction in the Invested Amount to
take place on the related Distribution Date for
the Series 1992-1 Certificates) on the last day of
the Collection 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 0.16666666
Class B 1.00000000
------------------
Total (weighted avg.) 0.26666666
15. The Portfolio Yield
The Portfolio Yield for the related Monthly Period 12.02%
16. The Base Rate
The Base Rate for the related Monthly period 7.41%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.02
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-1
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
Under Section 5.02 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") and supplemented as of May 1,
1993 (the "Series 1993-1 Supplement") by and between First USA Bank (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 referenced above and with respect to the performance of the Trust during
the Collection Period referenced above is set forth below. Certain information
is presented on the basis of an original principal amount of $1,000 per Series
1992-1 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Certificate have their respective meanings set forth in the Pooling and
Servicing Agreement.
<TABLE>
<S> <C>
A. Information Regarding the Current Monthly Distribution.
1. The total amount of the distribution to
Certificateholders per $1,000 original certificate
principal amount $ 4.99444444
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 $ 4.99444444
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 $ 0.00000000
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-1
Page 2
<TABLE>
<S> <C> <C>
B. Information Regarding the Performance of the Trust.
1. Collection of Principal Receivables.
The aggregate amount of Collections of
Principal Receivables processed during the
Collection Period which were allocated in
respect of the Certificates
Principal
Collection
Rate $ Amount
-------- ------------------
10.25% $ 51,235,098.63
2. Collection of Finance Charge Receivables.
The aggregate amount of Collections of
Finance Charge Receivables processed during
the Collection Period which were allocated in
respect of the Certificates
Finance
Charge Yield $ Amount
------------ ------------------
Periodic Finance Charges 15.05% $ 6,269,702.11
Discount Receivables 1.62% $ 674,829.07
------------ ------------------
Total 16.67% $ 6,944,531.18
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in in the Trust as of the
last day of the Collection Period $16,580,878,508.60
(b) Invested Amount as of the last day of
the Collection Period $ 500,000,000.00
(c) The Invested Amount set forth in
paragraph 3(b) above as a percentage of
the aggregate amount of Principal
Receivables set forth in paragraph 3(a)
above 3.016%
(d) During the amortization Period: The
Invested Amount as of ______ (the last
day of the Revolving Period) N/A
(e) 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 (applied with respect to Principal
Receivables during the Amortization
Period) N/A
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-1
Page 3
<TABLE>
<S> <C> <C>
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 Collection Period
Aggregate
% of Total Account
Outstandings Balance
------------ ------------------
(a) 35 - 64 days 1.57% $ 268,728,870.50
(b) 65 - 94 days 1.02% $ 174,113,131.46
(c) 95 - 124 days 0.74% $ 126,531,431.97
(d) 125 - 154 days 0.60% $ 102,556,018.17
(e) 155 or more days 0.95% $ 161,426,298.32
------------ ------------------
Total 4.88% $ 833,355,750.42
============ ==================
5. Monthly Investor Default Amount.
The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Collection Period
allocable to the Invested Amount (the
"Monthly Investor Default Amount") $ 1,930,215.66
6. Investor Charge-Offs & Reimbursements of
Charge-Offs.
(a) The aggregate amount of Investor
Charge-Offs during the Collection Period $ 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) $ 0.00
(c) The aggregate amount of Investor
Charge-Offs reimbursed during the
Collection Period $ 0.00
(d) The amounts set forth in paragraph 6(c)
above, per $1,000 original certificate
principal amount (which will have the
effect of increasing, pro rata, the
amount of each Certificateholder's
investment) $ 0.00
7. Investor Servicing Fee.
The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Collection Period $ 625,000.00
8. Withdrawal from Cash Collateral Amount.
The amount to withdrawn from Cash Collateral
Account on the related Distribution date. $ 0.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-1
Page 4
<TABLE>
<S> <C>
9. Cash Collateral Amount.
The Available Cash Collateral Amount as of
the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be made
with respect to the Collection Period
Total $ 70,000,000.00
The Required Cash Collateral Amount as of the
close of business on the related Distribution
Date after giving effect to withdrawals,
deposits and payments to be made with respect
to the Collection Period
Total $ 70,000,000.00
11. Funds on Deposit in Cash Collateral Account
The aggregate amount of funds on deposit in
the Cash Collateral Account pursuant to
Section 2.11(a)(vii) of the Amended Loan
Agreement on such Distribution Date $ 3,237,501.39
12. Series 1993-1 Guaranty Amount
(a) The Available Series 1993-1 Guaranty
Amount on such Distribution Date $ 10,000,000.00
(b) The Required Series 1993-1 Guaranty
Amount on such Distribution Date $ 10,000,000.00
13. The Available Series 1993-1 Loan Amount
The Available Series 1993-1 Loan Amount on
such Distribution Date $ 56,762,498.61
14. The Pool Factor.
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Collection 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
1.00000000
15. The Portfolio Yield
The Portfolio Yield for the related Monthly
Period 12.03%
16. The Base Rate
The Base Rate for the related Monthly period 7.80%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.03
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-2
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
Under Section 5.2 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") and supplemented as of October
1, 1993 (the "Series 1993-2 Supplement") by and between First USA Bank (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 referenced above and with respect to the performance of the Trust during
the Collection Period referenced above is set forth below. Certain information
is presented on the basis of an original principal amount of $1,000 per Series
1993-2 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Certificate have their respective meanings set forth in the Pooling and
Servicing Agreement.
<TABLE>
<S> <C>
A. Information Regarding the Current Monthly
Distribution.
1. The total amount of the distribution to
Certificateholders per $1,000 original
certificate principal amount $ 4.86527778
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 $ 4.86527778
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 $ 0.00000000
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-2
Page 2
<TABLE>
<S> <C> <C>
B. Information Regarding the Performance of the
Trust.
1. Collection of Principal Receivables.
The aggregate amount of Collections of
Principal Receivables processed during the
Collection Period which were allocated in
respect of the Certificates
Principal
Collection
Rate $ Amount
------------ ------------------
10.25% $ 51,235,098.63
2. Collection of Finance Charge Receivables.
The aggregate amount of Collections of
Finance Charge Receivables processed during
the Collection Period which were allocated in
respect of the Certificates
Finance
Charge
Yield $ Amount
------------ ------------------
Periodic Finance Charges 15.05% $ 6,269,702.11
Discount Receivables 1.62% $ 674,829.07
------------ ------------------
Total 16.67% $ 6,944,531.18
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Collection Period $16,580,878,508.60
(b) (1) Invested Amount as of the last day
of the Collection Period $ 500,000,000.00
(2) The CCA Amount as of the last day of the
Collection Period $ 0.00
(c) (1) The Floating Investor Percentage:
The Invested Amount plus the CCA Amount
set forth in paragraph 3(b) above as a
percentage of the aggregate amount of
Principal Receivables set forth in
paragraph 3(a) above (finance charge &
defaults) 3.016%
(2) The Floating Investor Percentage: The
Invested Amount as a percentage of the
aggregate amount of Principal
Receivables (principal collections) 3.016%
(d) During the Amortization Period: The
Invested Amount plus the CCA Amount as
of _______ (the last day of the
Revolving Period) N/A
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-2
Page 3
<TABLE>
<S> <C> <C>
(e) The Fixed/Floating Allocation
Percentage: The 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 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
Collection Period
Aggregate
% of Total Account
Outstandings Balance
------------ ------------------
(a) 35 - 64 days 1.57% $ 268,728,870.50
(b) 65 - 94 days 1.02% $ 174,113,131.46
(c) 95 - 124 days 0.74% $ 126,531,431.97
(d) 125 - 154 days 0.60% $ 102,556,018.17
(e) 155 or more days 0.95% $ 161,426,298.32
------------ ------------------
Total 4.88% $ 833,355,750.42
============ ==================
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
Amount (the "Monthly Investor Default
Amount") $ 1,930,215.66
6. Investor Charge-Offs; Reimbursements of
Charge-Offs.
(a) The aggregate amount of Investor
Charge-Offs during the Collection Period $ 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) $ 0.00
(c) The aggregate amount of Investor Charge-
Offs reimbursed on the Transfer Date $ 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) $ 0.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-2
Page 4
<TABLE>
<S> <C>
7. Investor Servicing Fee.
The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Collection Period $ 625,000.00
8. Withdrawal from Cash Collateral Amount.
The amount to withdrawn from Cash Collateral
Account on the related Distribution date. $ 0.00
9. Cash Collateral Amount.
The Available Cash Collateral Amount as of
the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be made
with respect to the Collection Period
Total $ 65,000,000.00
The Required Cash Collateral Amount as of the
close of business on the related Distribution
Date after giving effect to withdrawals,
deposits and payments to be made with respect
to the Collection Period
Total $ 65,000,000.00
10. Funds on Deposit in Cash Collateral Account
The aggregate amount of funds on deposit in
the Cash Collateral Account pursuant to
Section 2.11(a)(viii) of the Amended Loan
Agreement on such Distribution Date $ 3,372,086.07
11. Series 1993-2 Guaranty Amount
(a) The Available Series 1993-2 Guaranty
Amount on such Distribution Date $ 10,000,000.00
(b) The Required Series 1993-2 Guaranty
Amount on such Distribution Date $ 10,000,000.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-2
Page 5
<TABLE>
<S> <C>
12. The Available Series 1993-2 Loan Amount
The Available Series 1993-2 Loan Amount on
such Distribution Date $ 51,627,913.93
13. The Economic Payout Amount
The Economic Payout Amount, if any, for such
Distribution Date $ 0.00
14. The Pool Factor.
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Collection 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
1.00000000
15. The Portfolio Yield
The Portfolio Yield for the related Monthly
Period 12.03%
16. The Base Rate
The Base Rate for the related Monthly Period 7.65%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.04
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-3
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
Under Section 5.2 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") and supplemented as of October
1, 1993 (the "Series 1993-3 Supplement") by and between First USA Bank (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 referenced above and with respect to the performance of the Trust during
the Collection Period referenced above is set forth below. Certain information
is presented on the basis of an original principal amount of $1,000 per Series
1993-3 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Certificate have their respective meanings set forth in the Pooling and
Servicing Agreement.
<TABLE>
<S> <C>
A. Information Regarding the Current Monthly
Distribution.
1. The total amount of the distribution to
Certificateholders per $1,000 original
certificate principal amount $ 4.95138889
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 $ 4.95138889
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 $ 0.00000000
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 2
<TABLE>
<S> <C> <C>
B. Information Regarding the Performance of the
Trust.
1. Collection of Principal Receivables.
The aggregate amount of Collections of
Principal Receivables processed during the
Collection Period which were allocated in
respect of the Certificates
Principal
Collection
Rate $ Amount
------------ ------------------
10.25% $ 76,844,503.08
2. Collection of Finance Charge Receivables.
The aggregate amount of Collections of
Finance Charge Receivables processed during
the Collection Period which were allocated in
respect of the Certificates
Finance
Charge Yield $ Amount
------------ ------------------
Periodic Finance Charges 15.05% $ 9,403,555.97
Discount Receivables 1.62% $ 1,012,136.33
------------ ------------------
Total 16.67% $ 10,415,692.30
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Collection Period $16,580,878,508.60
(b) (1) Invested Amount as of the last day
of the Collection Period $ 750,000,000.00
(2) The CCA Amount as of the last day of
the Collection Period $ 0.00
(c) (1) The Floating Investor Percentage:
The Invested Amount plus the CCA Amount
set forth in paragraph 3(b) above as a
percentage of the aggregate amount of
Principal Receivables set forth in
paragraph 3(a) above (finance charge &
defaults) 4.523%
(2) The Floating Investor Percentage:
The Invested Amount as a percentage of
the aggregate amount of Principal
Receivables (principal collections) 4.523%
(d) During the Amortization Period: The
Invested Amount plus the CCA Amount as
of _______ (the last day of the
Revolving Period) N/A
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 3
<TABLE>
<S> <C> <C>
(e) The Fixed/Floating Allocation
Percentage: The 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 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
Collection Period
Aggregate
% of Total Account
Outstandings Balance
------------ ------------------
(a) 35 - 64 days 1.57% $ 268,728,870.50
(b) 65 - 94 days 1.02% $ 174,113,131.46
(c) 95 - 124 days 0.74% $ 126,531,431.97
(d) 125 - 154 days 0.60% $ 102,556,018.17
(e) 155 or more days 0.95% $ 161,426,298.32
------------ ------------------
Total 4.88% $ 833,355,750.42
============ ==================
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
Amount (the "Monthly Investor Default
Amount") $ 2,894,995.34
6. Investor Charge-Offs & Reimbursements of
Charge-Offs.
(a) The aggregate amount of Investor
Charge-Offs during the Collection
Period $ 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) $ 0.00
(c) The aggregate amount of Investor Charge-
Offs reimbursed on the Transfer Date $ 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) $ 0.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 4
<TABLE>
<S> <C>
7. Investor Servicing Fee.
The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Collection Period $ 937,500.00
8. Withdrawal from Cash Collateral Account.
The amount to be withdrawn from Cash
Collateral Account. on the related
Distribution date. $ 0.00
9. Cash Collateral Amount.
The Available Cash Collateral Amount as of
the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be made
with respect to the Collection Period
Total $ 97,500,000.00
The Required Cash Collateral Amount as of the
close of business on the related Distribution
Date after giving effect to withdrawals,
deposits and payments to be made with respect
to the Collection Period
Total $ 97,500,000.00
10. Funds on Deposit in Cash Collateral Account
The aggregate amount of funds on deposit in
the Cash Collateral Account pursuant to
Section 2.11(a)(viii) of the Amended Loan
Agreement on such Distribution Date $ 4,935,073.69
11. Series 1993-3 Guaranty Amount
(a) The Available Series 1993-3 Guaranty
Amount on such Distribution Date $ 15,000,000.00
(b) The Required Series 1993-3 Guaranty
Amount on such Distribution Date $ 15,000,000.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 5
<TABLE>
<S> <C>
12. The Available Series 1993-3 Loan Amount
The Available Series 1993-3 Loan Amount on
such Distribution Date $ 77,564,926.31
13. The Economic Payout Amount
The Economic Payout Amount, if any, for such
Distribution Date $ 0.00
14. The Pool Factor.
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Collection 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
1.00000000
15. The Portfolio Yield
The Portfolio Yield for the related Monthly
Period 12.03%
16. The Base Rate
The Base Rate for the related Monthly Period 7.75%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.05
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-3
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 referenced above and with respect to the performance of the Trust during
the Monthly Period referenced above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1994-3 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.
<TABLE>
<S> <C>
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 $ 4.92555556
Class B 5.08055556
Collateral Inv. Amt. 5.28521603
------------------
Total (weighted avg.) $ 4.97004660
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 $ 4.92555556
Class B 5.08055556
Collateral Inv. Amt. 5.28521603
------------------
Total (weighted avg.) $ 4.97004660
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 2
<TABLE>
<S> <C>
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 $ 0.00000000
Class B 0.00000000
Collateral Inv. Amt. 0.00000000
------------------
Total $ 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 $ 54,544,843.10
Class B 3,552,081.78
Collateral Inv. Amt. 6,462,680.43
------------------
Total $ 64,559,605.31
==================
2. Allocation of Finance Charge Receivables.
The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $ 7,394,229.37
Class B 481,281.20
Collateral Inv. Amt. 875,056.73
------------------
Total $ 8,750,567.30
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
(b) Invested Amount as of the last day of
the Monthly Period
Class A $ 532,350,000.00
Class B 34,650,000.00
Collateral Inv. Amt. 63,000,000.00
------------------
Total $ 630,000,000.00
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 3
<TABLE>
<S> <C>
(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 set forth in paragraph 3(a)
above
Class A 3.211%
Class B 0.209%
Collateral Inv. Amt. 0.380%
------------------
Total 3.800%
(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 the Accounts which were delinquent as of Aggregate
the end of the day on the last day of the Account
Monthly Period Balance
------------------
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 - 184 days 88,797,376.45
(e) 185 or more days 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 4
<TABLE>
<S> <C>
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 $ 2,055,199.15
Class B 133,770.36
Collateral Inv. Amt. 243,218.83
------------------
Total $ 2,432,188.34
==================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per $1,000 interest
Class A $ 3.86
Class B 3.86
Collateral Inv. Amt. 3.86
------------------
Total $ 3.86
==================
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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 5
<TABLE>
<S> <C>
(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 $ 665,437.50
Class B 43,312.50
Remaining Servicing Fee 78,500.00
------------------
Total $ 787,500.00
==================
(b) The amount set forth in paragraph 7(a)
above, per $1,000 interest
Class A $ 1.25000000
Class B 1.25000000
Remaining Servicing Fee 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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 6
<TABLE>
<S> <C>
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
preceding month $ 63,000,000.00
(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 $ 63,000,000.00
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 12.04%
12. The Base Rate
The Base Rate for the Related Monthly Period 7.73%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.06
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-4
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 the Trust
during the Monthly Period referenced above is set forth below. Certain
information is presented on the basis of an original principal amount of $1,000
per Series 1994-4 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.
<TABLE>
<S> <C>
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 $ 5.05472222
Class B 5.23555556
Collateral Inv. Amt. 5.36579862
------------------
Total (weighted avg.) $ 5.09758403
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 $ 5.05472222
Class B 5.23555556
Collateral Inv. Amt. 5.36579862
------------------
Total (weighted avg.) $ 5.09758403
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 2
<TABLE>
<S> <C>
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 $ 0.00000000
Class B 0.00000000
Collateral Inv. Amt. 0.00000000
------------------
Total $ 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 $ 74,435,889.04
Class B 5,787,597.78
Collateral Inv. Amt. 8,906,424.20
------------------
Total $ 89,129,911.02
==================
2. Allocation of Finance Charge Receivables.
The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $ 10,087,539.72
Class B 785,257.58
Collateral Inv. Amt. 1,208,088.59
------------------
Total $ 12,080,885.89
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
(b) Invested Amount as of the last day of
the Monthly Period
Class A $ 726,450,000.00
Class B 56,550,000.00
Collateral Inv. Amt. 87,000,000.00
------------------
Total $ 870,000,000.00
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 3
<TABLE>
<S> <C>
(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 set forth in paragraph 3(a)
above
Class A 4.381%
Class B 0.341%
Collateral Inv. Amt. 0.525%
------------------
Total 5.247%
(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 the Accounts which were delinquent as of Aggregate
the end of the day on the last day of the Account
Monthly Period Balance
------------------
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 - 184 days 88,797,376.45
(f) 185 or more days 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 4
<TABLE>
<S> <C>
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 $ 2,803,763.52
Class B 218,257.04
Collateral Inv. Amt. 335,780.06
------------------
Total $ 3,357,800.62
==================
(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 $ 3.86
Class B 3.86
Collateral Inv. Amt. 3.86
------------------
Total $ 3.86
==================
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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 5
<TABLE>
<S> <C>
(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 $ 908,062.50
Class B 70,687.50
Remaining Servicing Fee 108,750.00
------------------
Total $ 1,087,500.00
==================
(b) The amount set forth in paragraph 7(a)
above, per $1,000 interest
Class A 1.25000000
Class B 1.25000000
Remaining Servicing Fee 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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 6
<TABLE>
<S> <C>
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 $ 87,000,000.00
(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 $ 87,000,000.00
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 12.03%
12. The Base Rate
The Base Rate for the Related Monthly Period 7.89%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.07
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-5
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 1994-5 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.
<TABLE>
<S> <C>
A. Information Regarding the Current Monthly
Distribution.
1. The total amount of the distribution to
Certificateholders per $1,000 original
certificate principal amount
Class A $ 4.85666666
Class B 5.02888892
Collateral Inv. Amt. 5.37233075
------------------
Total (weighted avg.) $ 4.92200418
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 $ 4.85666666
Class B 5.02888892
Collateral Inv. Amt. 5.37233075
------------------
Total (weighted avg.) $ 4.92200418
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 2
<TABLE>
<S> <C>
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 $ 0.00000000
Class B 0.00000000
Collateral Inv. Amt. 0.00000000
------------------
Total $ 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 $ 51,235,098.63
Class B 4,019,446.70
Collateral Inv. Amt. 6,479,990.23
------------------
Total $ 61,734,535.56
==================
2. Allocation of Finance Charge Receivables.
The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $ 6,945,146.36
Class B 543,943.86
Collateral Inv. Amt. 878,561.01
------------------
Total $ 8,367,651.23
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
(b) Invested Amount as of the last day of
the Monthly Period
Class A $ 500,000,000.00
Class B 39,160,000.00
Collateral Inv. Amt. 63,250,000.00
------------------
Total $ 602,410,000.00
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 3
<TABLE>
<S> <C>
(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 3.016%
Class B 0.236%
Collateral Inv. Amt. 0.381%
------------------
Total 3.633%
(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 the Accounts which were delinquent as of Aggregate
the end of the day on the last day of the Account
Monthly Period Balance
------------------
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 - 184 days 88,797,376.45
(f) 185 or more days 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 4
<TABLE>
<S> <C>
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 $ 1,930,405.36
Class B 151,189.35
Collateral Inv. Amt. 244,196.28
------------------
Total $ 2,325,790.99
==================
(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 $ 3.86
Class B 3.86
Collateral Inv. Amt. 3.86
------------------
Total $ 3.86
==================
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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 5
<TABLE>
<S> <C>
(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 48,950.00
Remaining Servicing Fee 79,062.50
------------------
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
Remaining Servicing Fee 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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 6
<TABLE>
<S> <C>
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 $ 63,250,000.00
(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 $ 63,250,000.00
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 12.04%
12. The Base Rate
The Base Rate for the related Monthly Period 7.65%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.08
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-6
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date; 08/15/96
Transfer Date: 08/14/96
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
(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 1994-6 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.
<TABLE>
<S> <C>
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 $ 5.03750000
Class B 5.23555550
Collateral Inv. Amt. 5.47839178
------------------
Total (weighted avg.) $ 5.09446212
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 $ 5.03750000
Class B 5.23555550
Collateral Inv. Amt. 5.47839178
------------------
Total (weighted avg.) $ 5.09446212
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 2
<TABLE>
<S> <C>
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 $ 0.00000000
Class B 0.00000000
Collateral Inv. Amt. 0.00000000
------------------
Total $ 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 $ 76,844,503.18
Class B 5,978,005.69
Collateral Inv. Amt. 9,200,690.99
------------------
Total $ 92,023,199.86
==================
2. Allocation of Finance Charge Receivables.
The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $ 10,415,038.06
Class B 810,706.56
Collateral Inv. Amt. 1,247,304.96
------------------
Total $ 12,473,049.58
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
(b) Invested Amount as of the last day of
the Monthly Period.
Class A $ 750,000,000.00
Class B 58,380,000.00
Collateral Inv. Amt. 89,820,000.00
------------------
Total $ 898,200,000.00
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 3
<TABLE>
<S> <C>
(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 4.523%
Class B 0.352%
Collateral Inv. Amt. 0.542%
------------------
Total 5.417%
(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 the Accounts which were delinquent as of Aggregate
the end of the day on the last day of the Account
Monthly Period Balance
------------------
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 - 184 days 88,797,376.45
(f) 185 or more days 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 4
<TABLE>
<S> <C>
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 $ 2,894,800.19
Class B 225,331.25
Collateral Inv. Amt. 346,681.27
------------------
Total $ 3,466,812.71
==================
(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 $ 3.86
Class B 3.86
Collateral Inv. Amt. 3.86
------------------
Total $ 3.86
==================
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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 5
<TABLE>
<S> <C>
(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 $ 937,500.00
Class B $ 72,975.00
Remaining Servicing Fee 112,275.00
------------------
Total $ 1,122,750.00
==================
(b) The amount set forth in paragraph 7(a)
above, per $1,000 interest
Class A $ 1.25000000
Class B 1.25000000
Remaining Servicing Fee 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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 6
<TABLE>
<S> <C>
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 $ 89,820,000.00
(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 $ 89,820,000.00
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.87%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.09
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-7
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 1994-7 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.
<TABLE>
<S> <C>
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 $ 4.89111111
Class B 5.08055555
Collateral Inv. Amt. 5.20205913
------------------
Total (weighted avg.) $ 4.93607469
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 $ 4.89111111
Class B 5.08055555
Collateral Inv. Amt. 5.20205913
------------------
Total (weighted avg.) $ 4.93607469
</TABLE>
53
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 2
<TABLE>
<S> <C>
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 $ 0.00000000
Class B 0.00000000
Collateral Inv. Amt. 0.00000000
------------------
Total $ 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 $ 76,844,503.09
Class B 6,012,625.34
Collateral Inv. Amt. 9,720,495.44
------------------
Total $ 92,577,623.87
==================
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 $ 10,414,997.81
Class B 815,633.20
Collateral Inv. Amt. 1,317,566.66
------------------
Total $ 12,548,197.67
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds $ 10,414,997.81
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
54
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 3
<TABLE>
<S> <C>
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $ 750,000,000.00
Class B 58,735,000.00
Collateral Inv. Amt. 94,880,000.00
------------------
Total $ 903,615,000.00
==================
(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 4.523%
Class B 0.354%
Collateral Inv. Amt. 0.572%
------------------
Total 5.449%
(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 the Accounts which were delinquent as of Aggregate
the end of the day on the last day of the Account
Monthly Period Balance
------------------
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 - 184 days 88,797,376.45
(f) 185 or more days 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
55
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 4
<TABLE>
<S> <C>
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 $ 2,894,790.25
Class B 226,700.67
Collateral Inv. Amt. 366,210.26
------------------
Total $ 3,487,701.18
==================
(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 $ 3.86
Class B 3.86
Collateral Inv. Amt. 3.86
------------------
Total $ 3.86
==================
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
==================
</TABLE>
56
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 5
<TABLE>
<S> <C>
(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 9,375.00
Class B 73,418.75
Collateral Inv. Amt. 118,600.00
------------------
Total $ 1,129,518.75
==================
(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
==================
</TABLE>
57
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 6
<TABLE>
<S> <C>
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 $ 94,880,000.00
(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 $ 94,880,000.00
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.70%
C. Information Regarding the Principal Funding Account
1. Accumulation Period
(a) Accumulation Period commencement date 10/31/98
(b) Accumulation Period Length (months) 1
(c) Accumulation Period Factor 16.52
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 750,000,000.00
(f) Minumum Payment Rate (last 12 months) 9.54%
</TABLE>
58
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 7
<TABLE>
<S> <C>
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 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 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
</TABLE>
59
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 8
<TABLE>
<S> <C>
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. The Portfolio Adjusted Yield
The Portfolio Adjusted Yield for the
related Mthly Period 4.06%
</TABLE>
60
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
61
<PAGE>
EXHIBIT 99.10
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-8
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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.
<TABLE>
<S> <C>
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) $ 14.66888888
Class B (quarterly) 15.20555533
Collateral Inv. Amt. 5.31084375
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) $ 14.66888888
Class B (quarterly) $ 15.20555533
Collateral Inv. Amt. 5.31084375
</TABLE>
62
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 2
<TABLE>
<S> <C>
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. 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 $ 51,235,098.63
Class B 4,019,446.70
Collateral Inv. Amt. 6,479,990.23
------------------
Total $ 61,734,535.56
==================
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 $ 6,945,146.36
Class B 543,902.19
Collateral Inv. Amt. 878,602.68
------------------
Total $ 8,367,651.23
==================
(b) Interest Funding Investment Proceeds (to
Class A) 13,827.87
(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 $ 6,958,974.23
==================
(b) Interest Funding Investment Proceeds (to
Class B) 1,121.18
------------------
Total Class B F/C and Investment Proceeds $ 545,023.37
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
63
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 3
<TABLE>
<S> <C>
(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 3.016%
Class B 0.236%
Collateral Inv. Amt. 0.381%
------------------
Total 3.633%
(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 the Accounts which were delinquent as of Aggregate
the end of the day on the last day of the Account
Monthly Period Balance
------------------
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 - 184 days 88,797,376.45
(f) 185 or more days 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
64
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 4
<TABLE>
<S> <C>
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 $ 1,930,405.36
Class B $ 151,177.77
Collateral Inv. Amt. $ 244,207.86
------------------
Total $ 2,325,790.99
==================
(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 $ 3.86
Class B 3.86
Collateral Inv. Amt. 3.86
------------------
Total $ 3.86
==================
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
==================
</TABLE>
65
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 5
<TABLE>
<S> <C>
(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
==================
</TABLE>
66
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 6
<TABLE>
<S> <C>
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 12.07%
12. The Base Rate
The Base Rate for the related Monthly Period 7.76%
C. Information Regarding the Interest Funding Account
Beginning Balance (Class A) $ 4,863,055.55
Plus: Interest for Related Monthly Period
from Finance Charge Account 2,471,388.89
Plus: Interest on Interest Funding Account
Balance for Related Monthly Period 13,827.87
Less: Withdrawals to Finance Charge Account 13,827.87
Less: Withdrawals to Distribution Account $ 7,334,444.44
------------------
Ending Balance (Class A) $ 0.00
</TABLE>
67
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 7
<TABLE>
<S> <C>
Beginning Balance (Class B) $ 394,778.69
Plus: Interest for Related Monthly Period
from Finance Charge Account 200,625.24
Plus: Interest on Interest Funding Account
Balance for Related Monthly Period 1,121.18
Less: Withdrawals to Finance Charge Account 1,121.18
Less: Withdrawals to Distribution Account $ 595,403.93
------------------
Ending Balance (Class B) $ 0.00
D. Information Regarding the Principal Funding
Account
1. Accumulation Period
(a) Accumulation Period commencement date 10/31/00
(b) Accumulation Period length 2
(c) Accumulation Period Factor 5.70
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 259,090,909.09
(f) Minumum Payment Rate (last 12 months) 9.54%
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 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
==================
</TABLE>
68
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 8
<TABLE>
<S> <C>
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 3.79%
</TABLE>
69
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
70
<PAGE>
EXHIBIT 99.11
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-1
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 1995-1 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.
<TABLE>
<S> <C>
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 $ 4.85666667
Class B 5.03750000
Collateral Inv. Amt. 5.23541494
------------------
Total (weighted avg.) $ 4.90818635
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 $ 4.85666667
Class B $ 5.03750000
Collateral Inv. Amt. $ 5.23541494
------------------
Total (weighted avg.) $ 4.90818635
</TABLE>
71
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 2
<TABLE>
<S> <C>
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
Collateral Inv. Amt. 0.00
------------------
Total $ 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 $ 102,453,397.54
Class B 8,022,093.66
Collateral Inv. Amt. 12,960,490.55
------------------
Total $ 123,435,981.75
==================
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 $ 13,886,799.34
Class B 1,087,336.39
Collateral Inv. Amt. 1,756,680.12
------------------
Total $ 16,730,815.85
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds $ 13,886,799.34
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
72
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 3
<TABLE>
<S> <C>
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $ 1,000,000,000.00
Class B 78,300,000.00
Collateral Inv. Amt. 126,500,000.00
------------------
Total $ 1,204,800,000.00
(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 6.031%
Class B 0.472%
Collateral Inv. Amt. 0.763%
------------------
Total 7.266%
(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 the Accounts which were delinquent as of
the end of the day on the last day of the
Monthly Period
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 - 184 days 88,797,376.45
(f) 185 or more days 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
73
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 4
<TABLE>
<S> <C>
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 $ 3,859,786.80
Class B 302,221.31
Collateral Inv. Amt. 488,263.03
------------------
Total $ 4,650,271.14
==================
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
==================
(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
==================
</TABLE>
74
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 5
<TABLE>
<S> <C>
(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 $ 1,250,000.00
Class B 97,875.00
Collateral Inv. Amt. 158,125.00
------------------
Total $ 1,506,000.00
==================
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
==================
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 $ 126,500,000.00
(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 $ 126,500,000.00
</TABLE>
75
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 6
<TABLE>
<S> <C>
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.70%
C. Information Regarding the Principal Funding Account
1. Accumulation Period
(a) Accumulation Period commencement date 01/31/99
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 7.63
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 693,636,363.64
(f) Minumum Payment Rate (last 12 months) 9.54%
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
</TABLE>
76
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 7
<TABLE>
<S> <C>
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
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 4.07%
</TABLE>
77
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
78
<PAGE>
EXHIBIT 99.12
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-2
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 1995-2 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.
<TABLE>
<S> <C>
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 $ 4.94277777
Class B 5.10208337
Collateral Inv. Amt. 5.34431928
------------------
Total (weighted avg.) $ 4.99529892
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 $ 4.94277777
Class B $ 5.10208337
Collateral Inv. Amt. $ 5.34431928
------------------
Total (weighted avg.) $ 4.99529892
</TABLE>
79
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 2
<TABLE>
<S> <C>
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
Collateral Inv. Amt. 0.00
------------------
Total $ 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 $ 67,626,502.30
Class B 5,301,902.93
Collateral Inv. Amt. 8,559,207.85
------------------
Total $ 81,487,613.08
==================
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 $ 9,167,153.72
Class B 718,093.71
Collateral Inv. Amt. 1,159,783.84
------------------
Total $ 11,045,031.27
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds $ 9,167,153.72
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
80
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 3
<TABLE>
<S> <C>
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $ 660,000,000.00
Class B 51,700,000.00
Collateral Inv. Amt. 83,500,000.00
------------------
Total $ 795,200,000.00
(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 3.980%
Class B 0.312%
Collateral Inv. Amt. 0.504%
------------------
Total 4.796%
(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 the Accounts which were delinquent as of
the end of the day on the last day of the
Monthly Period
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days $ 174,113,131.46
(c) 95 - 124 days $ 126,531,431.97
(d) 125 - 154 days $ 102,556,018.17
(e) 155 - 184 days $ 88,797,376.45
(f) 185 or more days $ 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
81
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 4
<TABLE>
<S> <C>
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 $ 2,547,985.90
Class B 199,592.23
Collateral Inv. Amt. 322,358.82
------------------
Total $ 3,069,936.95
==================
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
==================
(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
==================
</TABLE>
82
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 5
<TABLE>
<S> <C>
(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 $ 825,000.00
Class B 64,625.00
Collateral Inv. Amt. 104,375.00
------------------
Total $ 994,000.00
==================
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
==================
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 $ 83,500,000.00
(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 $ 83,500,000.00
</TABLE>
83
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 6
<TABLE>
<S> <C>
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.80%
C. Information Regarding the Principal Funding
Account
1. Accumulation Period
(a) Accumulation Period commencement date 01/31/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 18.77
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 660,000,000.00
(f) Minumum Payment Rate (last 12 months) 9.54%
2. Principal Funding Account
Beginning Balance $ 0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account N/A
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
</TABLE>
84
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 7
<TABLE>
<S> <C>
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
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 3.96%
</TABLE>
85
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
86
<PAGE>
EXHIBIT 99.13
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-3
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 1995-3 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.
<TABLE>
<S> <C>
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 $ 4.82222222
Class B 4.96861108
Collateral Inv. Amt. 5.36900133
------------------
Total (weighted avg.) $ 4.88914930
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 $ 4.82222222
Class B $ 4.96861108
Collateral Inv. Amt. $ 5.36900133
------------------
Total (weighted avg.) $ 4.88914930
</TABLE>
87
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 2
<TABLE>
<S> <C>
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
Collateral Inv. Amt. 0.00
------------------
Total $ 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 $ 85,039,694.88
Class B 6,653,598.40
Collateral Inv. Amt. 10,760,104.26
------------------
Total $ 102,453,397.54
==================
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 $ 11,526,031.32
Class B 902,641.01
Collateral Inv. Amt. 1,458,112.40
------------------
Total $ 13,886,784.73
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds $ 11,526,031.32
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
88
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 3
<TABLE>
<S> <C>
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $ 830,000,000.00
Class B 65,000,000.00
Collateral Inv. Amt. 105,000,000.00
------------------
Total $ 1,000,000,000.00
(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 5.006%
Class B 0.392%
Collateral Inv. Amt. 0.633%
------------------
Total 6.031%
(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 the Accounts which were delinquent as of
the end of the day on the last day of the
Monthly Period
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days $ 174,113,131.46
(c) 95 - 124 days $ 126,531,431.97
(d) 125 - 154 days $ 102,556,018.17
(e) 155 - 184 days $ 88,797,376.45
(f) 185 or more days $ 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
89
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 4
<TABLE>
<S> <C>
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 $ 3,203,614.72
Class B 250,885.49
Collateral Inv. Amt. 405,276.56
------------------
Total $ 3,859,776.77
==================
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
==================
(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
==================
</TABLE>
90
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 5
<TABLE>
<S> <C>
(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 $ 1,037,500.00
Class B 81,250.00
Collateral Inv. Amt. 131,250.00
------------------
Total $ 1,250,000.00
==================
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
==================
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 $ 105,000,000.00
(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 $ 105,000,000.00
</TABLE>
91
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 6
<TABLE>
<S> <C>
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.68%
C. Information Regarding the Principal Funding Account
1. Accumulation Period
(a) Accumulation Period commencement date 03/31/98
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 8.53
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 643,627,272.73
(f) Minumum Payment Rate (last 12 months) 9.54%
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
</TABLE>
92
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 7
<TABLE>
<S> <C>
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
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 4.09%
</TABLE>
93
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
94
<PAGE>
EXHIBIT 99.14
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-4
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 1995-4 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.
<TABLE>
<S> <C>
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 $ 4.83944444
Class B 4.94277778
Collateral Inv. Amt. 5.37124026
------------------
Total (weighted avg.) $ 4.89771584
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 $ 4.83944444
Class B $ 4.94277778
Collateral Inv. Amt. $ 5.37124026
------------------
Total (weighted avg.) $ 4.89771584
</TABLE>
95
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 2
<TABLE>
<S> <C>
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
Collateral Inv. Amt. 0.00
------------------
Total $ 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 $ 76,844,503.06
Class B 6,947,865.23
Collateral Inv. Amt. 8,802,055.29
------------------
Total $ 92,594,423.58
==================
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 $ 10,416,888.27
Class B 941,270.02
Collateral Inv. Amt. 1,192,317.03
------------------
Total $ 12,550,475.32
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds $ 10,416,888.27
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
96
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 3
<TABLE>
<S> <C>
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $ 750,000,000.00
Class B 67,770,000.00
Collateral Inv. Amt. 85,845,000.00
------------------
Total $ 903,615,000.00
(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 4.523%
Class B 0.409%
Collateral Inv. Amt. 0.518%
------------------
Total 5.450%
(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 the Accounts which were delinquent as of
the end of the day on the last day of the
Monthly Period
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days $ 174,113,131.46
(c) 95 - 124 days $ 126,531,431.97
(d) 125 - 154 days $ 102,556,018.17
(e) 155 - 184 days $ 88,797,376.45
(f) 185 or more days $ 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
97
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 4
<TABLE>
<S> <C>
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 $ 2,895,333.52
Class B 261,622.34
Collateral Inv. Amt. 331,399.88
------------------
Total $ 3,488,355.74
==================
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
==================
(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
==================
</TABLE>
98
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 5
<TABLE>
<S> <C>
(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 $ 937,500.00
Class B 84,712.50
Collateral Inv. Amt. 107,306.25
------------------
Total $ 1,129,518.75
==================
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
==================
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 $ 85,845,000.00
(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 $ 85,845,000.00
</TABLE>
99
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 6
<TABLE>
<S> <C>
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.88%
C. Information Regarding the Principal Funding Account
1. Accumulation Period
(a) Accumulation Period commencement date 07/31/98
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 9.03
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 615,681,818.18
(f) Minumum Payment Rate (last 12 months) 9.54%
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
</TABLE>
100
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 7
<TABLE>
<S> <C>
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
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 3.81%
</TABLE>
101
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
102
<PAGE>
EXHIBIT 99.15
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-5
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(the "Bank") and The Bank fo 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 1995-5 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.
<TABLE>
<S> <C>
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 $ 4.88250000
Class B 4.98583333
Collateral Inv. Amt. 5.47727695
------------------
Total (weighted avg.) $ 4.94675472
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 $ 4.88250000
Class B $ 4.98583333
Collateral Inv. Amt. $ 5.47727695
------------------
Total (weighted avg.) $ 4.94675472
</TABLE>
103
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 2
<TABLE>
<S> <C>
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
Collateral Inv. Amt. 0.00
------------------
Total $ 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 $ 51,235,098.66
Class B 4,626,310.22
Collateral Inv. Amt. 5,856,837.02
------------------
Total $ 61,718,245.90
==================
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 $ 6,943,312.86
Class B 627,397.75
Collateral Inv. Amt. 794,731.59
------------------
Total $ 8,365,442.20
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds $ 6,943,312.86
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
104
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 3
<TABLE>
<S> <C>
(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 45,180,000.00
Collateral Inv. Amt. 57,230,000.00
------------------
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 3.016%
Class B 0.272%
Collateral Inv. Amt. 0.345%
------------------
Total 3.633%
(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 the Accounts which were delinquent as of
the end of the day on the last day of the
Monthly Period
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days $ 174,113,131.46
(c) 95 - 124 days $ 126,531,431.97
(d) 125 - 154 days $ 102,556,018.17
(e) 155 - 184 days $ 88,797,376.45
(f) 185 or more days $ 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
105
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 4
<TABLE>
<S> <C>
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 $ 1,929,860.64
Class B 174,382.21
Collateral Inv. Amt. 220,891.85
------------------
Total $ 2,325,134.70
==================
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
==================
(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
==================
</TABLE>
106
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 5
<TABLE>
<S> <C>
(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 56,475.00
Collateral Inv. Amt. 71,537.50
------------------
Total $ 753,012.50
==================
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
==================
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 $ 57,230,000.00
(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 $ 57,230,000.00
</TABLE>
107
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 6
<TABLE>
<S> <C>
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.94%
C. Information Regarding the Principal Funding Account
1. Accumulation Period
(a) Accumulation Period commencement date 07/31/00
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 24.77
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 500,000,000.00
(f) Minumum Payment Rate (last 12 months) 9.54%
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
</TABLE>
108
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 7
<TABLE>
<S> <C>
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
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 3.76%
</TABLE>
109
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
------------------------------------
W. Todd Peterson
Vice President
110
<PAGE>
EXHIBIT 99.16
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-6
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/12/96
Transfer Date: 08/09/96
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
(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 1995-6 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.
<TABLE>
<S> <C>
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 5.21182750
Class B 5.35849413
Collateral Inv. Amt. 5.92682751
------------------
Total (weighted avg.) 5.29075250
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 5.21182750
Class B 5.35849413
Collateral Inv. Amt. 5.92682751
------------------
Total (weighted avg.) 5.29075250
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 2
<TABLE>
<S> <C>
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 0.00000000
Class B 0.00000000
Collateral Inv. Amt. 0.00000000
------------------
Total 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 $ 127,559,797.33
Class B 11,522,246.00
Collateral Inv. Amt. 14,606,452.82
------------------
Total $ 153,688,496.15
==================
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 $ 17,289,992.23
Class B 1,562,348.70
Collateral Inv. Amt. 1,978,975.02
------------------
Total $ 20,831,315.95
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds $ 17,289,992.23
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 3
<TABLE>
<S> <C>
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $ 1,245,000,000.00
Class B 112,500,000.00
Collateral Inv. Amt. 142,500,000.00
------------------
Total $ 1,500,000,000.00
(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 7.509%
Class B 0.678%
Collateral Inv. Amt. 0.859%
------------------
Total 9.046%
(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 the Accounts which were delinquent as of
the end of the day on the last day of the
Monthly Period
(a) 35 - 64 days $ 268,728,870.50
(b) 65 - 94 days $ 174,113,131.46
(c) 95 - 124 days $ 126,531,431.97
(d) 125 - 154 days $ 102,556,018.17
(e) 155 - 184 days $ 88,797,376.45
(f) 185 or more days $ 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 4
<TABLE>
<S> <C>
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 $ 4,805,693.71
Class B 434,249.43
Collateral Inv. Amt. 550,049.28
------------------
Total $ 5,789,992.42
==================
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
==================
(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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 5
<TABLE>
<S> <C>
(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 $ 1,556,250.00
Class B $ 140,625.00
Collateral Inv. Amt. $ 178,125.00
------------------
Total $ 1,875,000.00
==================
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
==================
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 $ 142,500,000.00
(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 $ 142,500,000.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 6
<TABLE>
<S> <C>
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.77%
C. Information Regarding the Principal Funding Account
1. Accumulation Period
(a) Accumulation Period commencement date 10/31/99
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 9.95
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 1,126,159,090.91
(f) Minumum Payment Rate (last 12 months) 9.54%
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
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 7
<TABLE>
<S> <C>
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
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 4.02%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
---------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.17
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-1
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/15/96
Transfer Date: 08/14/96
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
(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 1996-1 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.
<TABLE>
<S> <C>
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 4.87052195
Class B 4.98246643
CIA Inv. Amt. 5.50774419
------------------
Total (weighted avg.) 4.93945487
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 4.87052195
Class B 4.98246643
CIA Inv. Amt. 5.50774419
------------------
Total (weighted avg.) 4.93945487
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 2
<TABLE>
<S> <C>
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 0.00000000
Class B 0.00000000
CIA Inv. Amt. 0.00000000
------------------
Total 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 $ 76,844,503.06
Class B 6,947,865.23
CIA Inv. Amt. 8,802,055.29
------------------
Total $ 92,594,423.58
==================
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 $ 10,416,888.27
Class B 941,270.02
CIA Inv. Amt. 1,192,317.03
------------------
Total $ 12,550,475.32
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds $ 10,416,888.27
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 3
<TABLE>
<S> <C>
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $ 750,000,000.00
Class B 67,770,000.00
CIA Inv. Amt. 85,845,000.00
------------------
Total $ 903,615,000.00
(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 4.523%
Class B 0.409%
CIA Inv. Amt. 0.518%
------------------
Total 5.450%
(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 $ 268,728,870.50
(b) 65 - 94 days $ 174,113,131.46
(c) 95 - 124 days $ 126,531,431.97
(d) 125 - 154 days $ 102,556,018.17
(e) 155 - 184 days $ 88,797,376.45
(f) 185 or more days $ 72,628,921.87
------------------
Total $ 833,355,750.42
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 4
<TABLE>
<S> <C>
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 $ 2,895,333.52
Class B 261,622.34
CIA Inv. Amt. 331,399.88
------------------
Total $ 3,488,355.74
==================
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 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
CIA Inv. Amt. 0.00
------------------
Total $ 0.00
==================
(c) 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
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 5
<TABLE>
<S> <C>
(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
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 $ 937,500.00
Class B $ 84,712.50
CIA Inv. Amt. $ 107,306.25
------------------
Total $ 1,129,518.75
==================
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 $ 85,845,000.00
(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 $ 85,845,000.00
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 6
<TABLE>
<S> <C>
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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.74%
C. Information Regarding the Principal Funding
Account
1. Accumulation Period
(a) Accumulation Period commencement date 02/29/00
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 5.59
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $ 381,136,363.64
(f) Minumum Payment Rate (last 12 months) 9.54%
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
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 7
<TABLE>
<S> <C>
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
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 4.03%
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
---------------------------------------
W. Todd Peterson
Vice President
<PAGE>
EXHIBIT 99.18
First USA Bank
First USA Management
Post Office Box 650370
Dallas, TX 75265-0370
Tel (214) 849-2000
FIRST USA
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-2
-----------------------------------------------
Monthly Period: 07/01/96 to
07/31/96
Distribution Date: 08/12/96
Transfer Date: 08/11/96
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
(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 1996-2 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.
<TABLE>
<S> <C>
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 5.22099417
Class B 5.35849411
CIA Inv. Amt. 5.97266084
------------------
Total (weighted avg.) 5.30274485
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 5.22099417
Class B 5.35849411
CIA Inv. Amt. 5.97266084
------------------
Total (weighted avg.) 5.30274485
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 2
<TABLE>
<S> <C>
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 0.00000000
Class B 0.00000000
CIA Inv. Amt. 0.00000000
------------------
Total 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 61,475,398.47
Class B 5,562,060.18
CIA Inv. Amt. 7,034,924.32
------------------
Total 74,072,382.97
==================
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 8,331,910.49
Class B 754,037.90
CIA Inv. Amt. 954,003.75
------------------
Total 10,039,952.14
==================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account (to
Class A) N/A
------------------
Class A Available Funds 8,331,910.49
==================
3. Principal Receivables / Investor Percentages
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,580,878,508.60
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 3
<TABLE>
<S> <C>
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $ 600,000,000.00
Class B 54,300,000.00
CIA Inv. Amt. 68,700,000.00
------------------
Total $ 723,000,000.00
(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 3.619%
Class B 0.327%
CIA Inv. Amt. 0.414%
------------------
Total 4.360%
(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 268,728,870.50
(b) 65 - 94 days 174,113,131.46
(c) 95 - 124 days 126,531,431.97
(d) 125 - 154 days 102,556,018.17
(e) 155 - 184 days 88,797,376.45
(f) 185 or more days 72,628,921.87
------------------
Total 833,355,750.42
==================
</TABLE>
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 4
<TABLE>
<S> <C>
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 2,315,811.61
Class B 209,580.95
CIA Inv. Amt. 265,160.43
------------------
Total 2,790,552.99
==================
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 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
CIA Inv. Amt. 0.00
------------------
Total 0.00
==================
(c) 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
==================
</TABLE>
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MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 5
<TABLE>
<S> <C>
(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
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 750,000.00
Class B 67,875.00
CIA Inv. Amt. 85,875.00
------------------
Total 903,750.00
==================
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 68,700,000.00
(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 68,700,000.00
</TABLE>
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MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 6
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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 12.03%
12. The Base Rate
The Base Rate for the related Monthly Period 7.78%
C. Information Regarding the Principal Funding
Account
1. Accumulation Period
(a) Accumulation Period commencement date 05/31/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 20.64
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount 723,000,000.00
(f) Minumum Payment Rate (last 12 months) 9.54%
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
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MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
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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
</TABLE>
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 4.01%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
---------------------------------------
W. Todd Peterson
Vice President
