<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) November 11, 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 October 1 through October 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 yes
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
1996-4 500,000,000 45,180,000 August 6, 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, 1996-2
Certificates, and 1996-4 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, 99.18, and
99.19 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.
(99.19) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-4 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: November 25, 1996
-----------------
<PAGE>
Exhibit 99.01
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-------------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1992-1
-------------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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 $0.00000000
Class B $504.83333333
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 $0.00000000
Class B $4.83333333
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 2
3. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Certificates, per
$1,000 original certificate principal amount
Class A $0.00000000
Class B $500.00000000
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 $32,861,941.60
Class B $4,480,127.49
----------------------
Total $37,342,069.09
======================
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 $0.00
Class B $638,859.35
----------------------
Total $638,859.35
======================
3. Principal Receivables / Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal Receivables
in the Trust as of the last day of the
Collection Period $16,892,367,448.16
(b) Invested Amount as of the last day
of the Collection Period
Class A $0.00
Class B 21,000,000.00
----------------------
Total $21,000,000.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 3
(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 0.000%
Class B 0.124%
----------------------
Total 0.124%
(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
(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 1.823%
Class B 0.249%
----------------------
Total 2.072%
4. Delinquent Balances.
---------------------
The aggregate amount of outstanding balances in
the Accounts which were delinquent as of the end Aggregate
of the day on the last day of the Collection Account
Period Balance
----------------------
(a) 35 - 64 days 347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 or more days 199,994,148.35
----------------------
Total $1,041,369,137.08
======================
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 $0.00
Class B 186,748.57
----------------------
Total $186,748.57
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 4
<TABLE>
<CAPTION>
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
<S> <C>
(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 $0.00
Class B 70,000.00
----------------------
Total $70,000.00
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
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 $25,501,560.19
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 $4,501,560.19
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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1992-1
Page 6
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 0.00000000
Class B 0.50000000
----------------------
Total (weighted avg.) 0.06000000
15. The Portfolio Yield
-------------------
The Portfolio Yield for the related Monthly Period 12.92%
16. The Base Rate
-------------
The Base Rate for the related Monthly period 7.80%
<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
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-1
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution
to Certificateholders per $1,000
original certificate principal amount $4.88680556
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 $4.88680556
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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-1
Page 2
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
-------------------------------------------------
10.67% $53,338,789.60
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 16.57% $6,903,444.97
Discount Receivables 1.68% $702,537.26
----- -----------
Total 18.25% $7,605,982.23
3. Principal Receivables / Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal Receivables
in the Trust as of the last day of the
Collection Period $16,892,367,448.16
(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
2.960%
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-1
Page 3
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 2.00% $347,434,513.80
(b) 65 - 94 days 1.21% $211,270,234.43
(c) 95 - 124 days 0.92% $160,220,603.53
(d) 125 - 154 days 0.70% $122,449,636.97
(e) 155 or more days 1.16% $199,994,148.35
-----------------------------------------
Total 5.99% $1,041,369,137.08
=========================================
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") $2,223,218.69
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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-1
Page 4
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 $5,000,000.00
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 $55,000,000.00
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 12.92%
16. The Base Rate
-------------
The Base Rate for the related Monthly period 7.68%
<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
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-2
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
A. Information Regarding the Current Monthly Distribution.
------------------------------------------------------
1. The total amount of the distribution
to Certificateholders per $1,000
original certificate principal amount $252.37881944
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 $2.37881944
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 $250.00000000
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-2
Page 2
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
------------------------------------------------
14.22% $53,338,789.60
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 16.56% $3,450,576.71
Discount Receivables 1.69% $351,152.76
----- -----------
Total 18.25% $3,801,729.47
3. Principal Receivables/Investor Percentages
------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Collection Period $16,892,367,448.16
(b)(1) Invested Amount as of the last day
of the Collection Period $125,000,000.00
(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) 0.740%
(2) The Floating Investor Percentage: The
Invested Amount as a percentage of the
aggregate amount of Principal Receivables
(principal collections) N/A
(d) During the Amortization Period: The Invested
Amount plus the CCA Amount as of
July 31, 1996 (the last day of the Revolving
Period) $500,000,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-2
Page 3
(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 2.960%
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 2.00% $347,434,513.80
(b) 65 - 94 days 1.21% $211,270,234.43
(c) 95 - 124 days 0.92% $160,220,603.53
(d) 125 - 154 days 0.70% $122,449,636.97
(e) 155 or more days 1.16% $199,994,148.35
-----------------------------------------
Total 5.99% $1,041,369,137.08
=========================================
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") $1,111,221.20
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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-2
Page 4
7. Investor Servicing Fee.
----------------------
The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Collection Period $312,500.00
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 $32,500,000.00
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 $32,500,000.00
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 $5,000,000.00
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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-2
Page 5
12. The Available Series 1993-2 Loan Amount
---------------------------------------
The Available Series 1993-2 Loan Amount
on such Distribution Date $17,500,000.00
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
0.25000000
15. The Portfolio Yield
-------------------
The Portfolio Yield for the related Monthly Period 12.91%
16. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.53%
<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
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-3
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
A. Information Regarding the Current Monthly Distribution.
1. The total amount of the distribution
to Certificateholders per $1,000
original certificate principal amount $4.84375000
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 $4.84375000
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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 2
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
-----------------------------------------------------
10.67% $79,999,387.58
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 16.57% $10,354,021.65
Discount Receivables 1.68% $1,053,689.99
----- -------------
Total 18.25% $11,407,711.64
3. Principal Receivables / Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Collection Period $16,892,367,448.16
(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) 4.440%
(2) The Floating Investor Percentage: The Invested
Amount as a percentage of the aggregate amount
of Principal Receivables (principal collections) 4.440%
(d) During the Amortization Period: The Invested
Amount plus the CCA Amount as of _______
(the last day of the Revolving Period) N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 3
(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 2.00% $347,434,513.80
(b) 65 - 94 days 1.21% $211,270,234.43
(c) 95 - 124 days 0.92% $160,220,603.53
(d) 125 - 154 days 0.70% $122,449,636.97
(e) 155 or more days 1.16% $199,994,148.35
---------------------------------------------
Total 5.99% $1,041,369,137.08
=============================================
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") $3,334,439.89
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
----------------------------------------------------
(a) The aggregate amount of Investor Charge-Offs $0.00
during the Collection Period
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 4
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 $7,500,000.00
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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 5
12. The Available Series 1993-3 Loan Amount
---------------------------------------
The Available Series 1993-3 Loan Amount
on such Distribution Date $75,000,000.00
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 12.92%
16. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.63%
<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
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-3
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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 $4.81791667
Class B 4.97291667
Collateral Inv. Amt. 5.15375016
----------------------
Total (weighted avg.) $4.86002502
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 $4.81791667
Class B 4.97291667
Collateral Inv. Amt. 5.15375016
----------------------
Total (weighted avg.) $4.86002502
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A $0.00000000
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 $56,783,030.46
Class B 3,702,308.20
Collateral Inv. Amt. 6,720,191.25
----------------------
Total $67,205,529.91
======================
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 $8,097,930.32
Class B 527,084.22
Collateral Inv. Amt. 958,334.95
----------------------
Total $9,583,349.49
======================
3. Principal Receivables / Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $16,892,367,448.16
(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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 3
(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 3.151%
Class B 0.205%
Collateral Inv. Amt. 0.373%
---------------------
Total 3.729%
(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 $347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 4
5. Monthly Investor Default Amount.
-------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $2,367,022.82
Class B 154,066.57
Collateral Inv. Amt. 280,121.04
----------------------
Total $2,801,210.43
======================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per $1,000 interest
Class A $4.45
Class B 4.45
Collateral Inv. Amt. 4.45
----------------------
Total $4.45
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-3
Page 5
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust to
the Servicer for the Monthly Period
Class A $665,437.50
Class B 43,312.50
Remaining Servicing Fee 78,750.00
----------------------
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
======================
<PAGE>
Series 1994-3
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Page 6
9. Collateral Invested Amount
--------------------------
(a) The amount of the Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be made
in respect of the preceding month
$63,000,000.00
(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 12.92%
12. The Base Rate
-------------
The Base Rate for the Related Monthly Period 7.61%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
[LETTERHEAD OF FIRST USA APPEARS HERE]
Exhibit 99.06
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-4
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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 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.
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 $4.94708333
Class B 5.12791667
Collateral Inv. Amt. 5.25815966
----------------------
Total (weighted avg.) $4.98994513
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 $4.94708333
Class B 5.12791667
Collateral Inv. Amt. 5.25815966
----------------------
Total (weighted avg.) $4.98994513
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A $0.00000000
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 $77,481,854.22
Class B 6,035,766.13
Collateral Inv. Amt. 9,275,624.93
----------------------
Total $92,793,245.28
======================
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 $11,048,781.65
Class B 860,084.80
Collateral Inv. Amt. 1,323,207.38
----------------------
Total $13,232,073.83
======================
3. Principal Receivables / Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $16,892,367,448.16
(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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 3
(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 4.300%
Class B 0.335%
Collateral Inv. Amt. 0.515%
----------------------
Total 5.150%
(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
Aggregate
Account
Balance
----------------------
(a) 35 - 64 days $347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted Principal
Receivables written off as uncollectible during the
Monthly Period allocable to the Invested
Amount (the aggregate "Investor Default
Amount")
Class A $3,229,503.90
Class B 251,398.51
Collateral Inv. Amt. 386,766.94
----------------------
Total $3,867,669.35
======================
(b) The amount set forth in paragraph 5(a) above in
respect of the Monthly Investor Default Amount, per
original $1,000 interest
Class A $4.45
Class B 4.45
Collateral Inv. Amt. 4.45
----------------------
Total $4.45
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor Charge-
Offs and the reductions in the Class B Invested
Amount and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a) above, per
$1,000 original certificate principal amount (which
will have the effect of reducing, pro rata, the
amount of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 5
(c) The aggregate amount of Class A Investor Charge-
Offs reimbursed and the reimbursement of
reductions in the Class B Invested Amount and the
Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(d) The amount set forth in paragraph 6(c) above, per
$1,000 interest (which will have the effect of
increasing, pro rata, the amount of each
Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Monthly Period
Class A $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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 6
9. Collateral Invested Amount
--------------------------
(a) The amount of the Collateral Invested Amount as of the
close of business on the related Distribution Date after
giving effect to withdrawals, deposits and payments to
be made in respect of the preceding month
$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 12.92%
12. The Base Rate
-------------
The Base Rate for the Related Monthly Period 7.76%
<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
[LETTERHEAD FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
---------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-5
---------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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 $4.74902778
Class B 4.92125000
Collateral Inv. Amt. 5.27430561
----------------------
Total (weighted avg.) $4.81537469
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 $4.74902778
Class B 4.92125000
Collateral Inv. Amt. 5.27430561
----------------------
Total (weighted avg.) $4.81537469
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 2
3. The amount of the distribution set
forth in paragraph 1 above in respect
of principal on the Certificates, per
$1,000 original certificate principal
amount
Class A $0.00000000
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 $53,338,789.64
Class B 4,184,159.90
Collateral Inv. Amt. 6,739,593.55
----------------------
Total $64,262,543.09
======================
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 $7,605,845.77
Class B 595,689.84
Collateral Inv. Amt. 962,139.49
----------------------
Total $9,163,675.10
======================
3. Principal Receivables/Investor Percentages
------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period
$16,892,367,448.16
(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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 3
(c) The Floating Allocation Percentage:
The Invested Amount set forth in
paragraph 3(b) above as a percentage
of the aggregate amount of Principal
Receivables as of the Record Date set
forth in paragraph 3(a) above
Class A 2.960%
Class B 0.232%
Collateral Inv. Amt. 0.374%
----------------------
Total 3.566%
(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 Aggregate
delinquent as of the end of the day Account
on the last day of the Monthly Period Balance
----------------------
(a) 35 - 64 days $347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $2,223,161.25
Class B 174,117.99
Collateral Inv. Amt. 281,229.90
----------------------
Total $2,678,509.14
======================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per original $1,000 interest
Class A $4.45
Class B 4.45
Collateral Inv. Amt. 4.45
----------------------
Total $4.45
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 5
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimburse-
ment 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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-5
Page 6
9. Collateral Invested Amount
--------------------------
(a) The amount of the Collateral Invested
Amount as of the close of business on
the related Distribution Date after
giving effect to withdrawals, deposits
and payments to be made in respect of
the preceding month $63,250,000.00
(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 12.92%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.53%
<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
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-6
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date; 11/15/96
Transfer Date: 11/14/96
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.
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 $4.92986111
Class B 5.12791675
Collateral Inv. Amt. 5.34427088
----------------------
Total (weighted avg.) $4.98417504
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 $4.92986111
Class B 5.12791675
Collateral Inv. Amt. 5.34427088
----------------------
Total (weighted avg.) $4.98417504
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 2
3. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Certificates, per
$1,000 original certificate principal amount
Class A $0.00000000
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 $79,999,387.54
Class B 6,220,745.91
Collateral Inv. Amt. 9,572,496.89
----------------------
Total $95,792,630.34
======================
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 $11,405,959.43
Class B 887,839.88
Collateral Inv. Amt. 1,365,977.70
----------------------
Total $13,659,777.01
======================
3. Principal Receivables / Investor Percentages.
--------------------------------------------
(a) The aggregate amount of Principal Receivables in
the Trust as of the last day of the Monthly Period
$16,892,367,448.16
(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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 3
(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 4.440%
Class B 0.346%
Collateral Inv. Amt. 0.532%
----------------------
Total 5.318%
(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 Aggregate
Accounts which were delinquent as of the end of the day Account
on the last day of the Monthly Period Balance
----------------------
(a) 35 - 64 days $347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted Principal
Receivables written off as uncollectible during the
Monthly Period allocable to the Invested
Amount (the aggregate "Investor Default
Amount")
Class A $3,333,902.30
Class B 259,510.96
Collateral Inv. Amt. 399,268.14
----------------------
Total $3,992,681.40
======================
(b) The amount set forth in paragraph 5(a) above in
respect of the Monthly Investor Default Amount, per
original $1,000 interest
Class A $4.45
Class B 4.45
Collateral Inv. Amt. 4.45
----------------------
Total $4.45
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor Charge-
Offs and the reductions in the Class B Invested
Amount and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a) above, per
$1,000 original certificate principal amount (which
will have the effect of reducing, pro rata, the
amount of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 5
(c) The aggregate amount of Class A Investor Charge-
Offs reimbursed and the reimbursement of
reductions in the Class B Invested Amount and the
Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(d) The amount set forth in paragraph 6(c) above, per
$1,000 interest (which will have the effect of
increasing, pro rata, the amount of each
Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Monthly Period
Class A $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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 6
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested Amount as of the
close of business on the related Distribution Date after
giving effect to withdrawals, deposits and payments to
be made in respect of the preceding month $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 12.92%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.74%
<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
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-7
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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 $4.78347223
Class B 4.97291666
Collateral Inv. Amt. 5.10208337
----------------------
Total (weighted avg.) $4.82924044
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 $4.78347223
Class B 4.97291666
Collateral Inv. Amt. 5.10208337
----------------------
Total (weighted avg.) $4.82924044
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A $0.00000000
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 $79,999,387.59
Class B 6,257,741.85
Collateral Inv. Amt. 10,126,531.84
----------------------
Total $96,383,661.28
======================
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 $11,407,578.67
Class B 893,365.51
Collateral Inv. Amt. 1,443,134.75
----------------------
Total $13,744,078.93
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $11,407,578.67
======================
3. Principal Receivables/Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 3
(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 4.440%
Class B 0.348%
Collateral Inv. Amt. 0.562%
----------------------
Total 5.350%
(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
Aggregate
Account
Balance
----------------------
(a) 35 - 64 days $347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $3,334,425.36
Class B 261,129.96
Collateral Inv. Amt. 421,827.04
----------------------
Total $4,017,382.36
======================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per original $1,000
interest
Class A $4.45
Class B 4.45
Collateral Inv. Amt. 4.45
----------------------
Total $4.45
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a) above,
per $1,000 original certificate principal amount
(which will have the effect of reducing, pro rata,
the amount of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 5
(c) The aggregate amount of Class A Investor
Charge- Offs reimbursed and the
reimbursement of reductions in the Class
B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust to
the Servicer for the Monthly Period
Class A $937,500.00
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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 6
9. Collateral Invested Amount.
--------------------------
(a) The amount of the Collateral Invested
Amount as of the close of business on
the related Distribution Date after
giving effect to withdrawals, deposits
and payments to be made in respect of
the preceding month $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 12.92%
12. The Base Rate.
-------------
The Base Rate for the related Monthly Period 7.57%
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 16.71
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $750,000,000.00
(f) Minumum Payment Rate (last 12 months) 9.54%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 7
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 $0.00
3. Accumulation Shortfall
----------------------
The Controlled Deposit Amount for the previous
Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
--------------
Accumulation Shortfall N/A
==============
Aggregate Accumulation Shortfalls N/A
==============
4. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
--------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 8
D. Information Regarding the Reserve Account
-----------------------------------------
1. Required Reserve Account Analysis
---------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other amount
designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after effect of $0.00
any transfers on the Related Transfer Date
(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 4.44%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
Exhibit 99.10
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-8
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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) 15.20555558
Collateral Inv. Amt. 5.21402779
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) $15.20555558
Collateral Inv. Amt. 5.21402779
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A (quarterly) $0.00000000
Class B (quarterly) 0.00000000
Collateral Inv. Amt. 0.00000000
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of Principal
Receivables processed during the Monthly Period
which were allocated in respect of the
Certificates
Class A $53,338,789.64
Class B 4,184,159.90
Collateral Inv. Amt. 6,739,593.55
----------------------
Total $64,262,543.09
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $7,605,845.77
Class B 595,644.21
Collateral Inv. Amt. 962,185.12
----------------------
Total $9,163,675.10
======================
(b) Interest Funding Investment Proceeds
(to Class A) 15,929.29
(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 $7,621,775.06
======================
(b) Interest Funding Investment Proceeds
(to Class B) 1,291.56
----------------------
Total Class B F/C and Investment Proceeds $596,935.77
======================
3. Principal Receivables/Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 3
(b) Invested Amount as of the last day
of the precedingmonth (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 inparagraph 3(a) above
Class A 2.960%
Class B 0.232%
Collateral Inv. Amt. 0.374%
----------------------
Total 3.566%
(d) During the Amortization Period:
The Invested Amount as of _______
(the last day of the Revolving Period)
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
----------------------
Total N.A.
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
3(d) above as a percentage of the
aggregate amount of Principal Receivables
set forth in paragraph 3(a) above
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
----------------------
Total N.A.
4. Delinquent Balances.
--------------------
The aggregate amount of outstanding balances in Aggregate
the Accounts which were delinquent as of the end Account
of the day on the last day of the Monthly Period Balance
----------------------
(a) 35 - 64 days $347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Collection
Period allocable to the Invested
Amount (the aggregate "Investor Default
Amount")
Class A $2,223,161.25
Class B $174,104.65
Collateral Inv. Amt. $281,243.24
----------------------
Total $2,678,509.14
======================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per original $1,000
interest
Class A $4.45
Class B 4.45
Collateral Inv. Amt. 4.45
----------------------
Total $4.45
======================
6. Investor Charge-Offs & Reimbursements of Charge-
------------------------------------------------
Offs.
-----
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 5
(c) The aggregate amount of Class A Investor Charge-
Offs reimbursed and the reimbursement of
reductions in the Class B Invested Amount and the
Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(d) The amount set forth in paragraph 6(c) above, per
$1,000 interest (which will have the effect of
increasing, pro rata, the amount of each
Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Monthly Period
Class A $625,000.00
Class B $48,946.25
Collateral Inv. Amt. $79,066.25
----------------------
Total $753,012.50
======================
(b) The amount set forth in paragraph 7(a) above, per
$1,000 interest
Class A $1.25000000
Class B 1.25000000
Collateral Inv. Amt. 1.25000000
----------------------
Total $1.25000000
======================
8. Reallocated Principal Collections
---------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of Interest
Shortfalls, Investor Default Amounts or Investor
Charge-Offs for the prior month.
Class B $0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 6
9. Collateral Invested Amount
--------------------------
(a) The amount of the Collateral Invested Amount as of
the close of business on the related Distribution
Date after giving effect to withdrawals, deposits
and payments to be made in respect of the preceding
month $63,253,000.00
(b) The Required Collateral Invested Amount as of the
close of business on the related Distribution Date
after giving effect to withdrawals, deposits and
payments to be made in respect of the preceding
month $63,253,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of the amount of the
Investor Interest on the last day of the Monthly Period to the amount
of the Investor Interest as of the Closing Date). The amount of a
Certificateholder's pro rata share of the Investor Participation
Amount can be determined by multiplying the original denomination of
the holder's Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield
-------------------
The Portfolio Yield for the related Monthly Period 12.95%
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 15,929.29
Less: Withdrawals to Finance Charge Account 15,929.29
Less: Withdrawals to Distribution Account $7,334,444.44
----------------------
Ending Balance (Class A) $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 7
Beginning Balance (Class B) $394,778.70
Plus: Interest for Related Monthly Period from Finance
Charge Account 200,625.24
Plus: Interest on Interest Funding Account Balance for
Related Monthly Period 1,291.56
Less: Withdrawals to Finance Charge Account 1,291.56
Less: Withdrawals to Distribution Account $595,403.94
----------------------
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 6.37
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $289,545,454.55
(f) Minimum 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 $0.00
3. Accumulation Shortfall
----------------------
The Controlled Deposit Amount for the previous
Monthly Period N/A
Less: The amount deposited into the Principal Funding
Account for the previous Monthly Period N/A
----------------------
Accumulation Shortfall for previous Monthly Period N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 8
4. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
E. Information Regarding the Reserve Account
-----------------------------------------
1. Required Reserve Account Analysis
---------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other amount
designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after effect of $0.00
any transfers on the Related Transfer Date
(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 4.35%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
Exhibit 99.11
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-1
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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 .
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 $4.80284722
Class B 4.98368059
Collateral Inv. Amt. 5.19034719
----------------------
Total (weighted avg.) $4.85528580
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 $4.80284722
Class B $4.98368059
Collateral Inv. Amt. $5.19034719
----------------------
Total (weighted avg.) $4.85528580
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original certificate
principal amount
Class A $0.00
Class B 0.00
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 $106,677,579.21
Class B 8,349,821.82
Collateral Inv. Amt. 13,496,780.78
----------------------
Total $128,524,181.81
======================
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 $15,211,848.80
Class B 1,191,087.76
Collateral Inv. Amt. 1,924,298.87
----------------------
Total $18,327,235.43
======================
(b) Principal Funding Investment Proceeds (to
Class N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $15,211,848.80
======================
3. Principal Receivables / Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last day
of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 3
(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 5.920%
Class B 0.464%
Collateral Inv. Amt. 0.749%
----------------------
Total 7.133%
(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 $347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Collection
Period allocable to the Invested Amount
(the aggregate "Investor Default Amount")
Class A $4,446,400.07
Class B 348,153.13
Collateral Inv. Amt. 562,469.61
----------------------
Total $5,357,022.81
======================
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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 5
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 6
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 12.92%
12. The Base Rate.
-------------
The Base Rate for the related Monthly Period 7.64%
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 7.72
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $701,818,181.82
(f) Minimum 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 $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 7
3. Accumulation Shortfall.
----------------------
The Controlled Deposit Amount for the previous
Monthly Period N/A
Less: The amount deposited into the Principal Funding
Account for the Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
-----------------------------------------
1. Required Reserve Account Analysis
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other amount
designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after effect of $0.00
any transfers on the Related Transfer Date
(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 4.42%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
Exhibit 99.12
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-2
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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 $4.88895833
Class B 5.04826383
Collateral Inv. Amt. 5.30229162
----------------------
Total (weighted avg.) $4.94271767
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 $4.88895833
Class B $5.04826383
Collateral Inv. Amt. $5.30229162
----------------------
Total (weighted avg.) $4.94271767
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 2
3. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Certificates, per
$1,000 original certificate principal amount
Class A $0.00
Class B 0.00
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 $70,408,392.74
Class B 5,516,918.51
Collateral Inv. Amt. 8,905,665.41
----------------------
Total $84,830,976.66
======================
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 $10,040,012.11
Class B 786,467.62
Collateral Inv. Amt. 1,270,213.65
----------------------
Total $12,096,693.38
======================
(b) Principal Funding Investment Proceeds (to Class) N/A
(c) Withdrawals from Reserve Account (to Class A) N/A
----------------------
Class A Available Funds $10,040,012.11
======================
3. Principal Receivables/Investor Percentages
------------------------------------------
(a) The aggregate amount of Principal Receivables in
the Trust as of the last day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 3
(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 3.907%
Class B 0.306%
Collateral Inv. Amt. 0.494%
----------------------
Total 4.707%
(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 $347,434,513.80
(b) 65 - 94 days $211,270,234.43
(c) 95 - 124 days $160,220,603.53
(d) 125 - 154 days $122,449,636.97
(e) 155 - 184 days $112,592,948.22
(f) 185 or more days $87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted Principal
Receivables written off as uncollectible during the
Collection Period allocable to the Invested
Amount (the aggregate "Investor Default
Amount")
Class A $2,934,685.98
Class B 229,883.74
Collateral Inv. Amt. 371,282.24
-------------------
Total $3,535,851.96
===================
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
===================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 5
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 6
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 12.92%
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 01/31/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 18.99
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $660,000,000.00
(f) Minimum 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 $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 7
3. Accumulation Shortfall
----------------------
The Controlled Deposit Amount for the previous
Monthly Period N/A
Less: The amount deposited into the Principal Funding
Account for the Previous Monthly Period N/A
------------
Accumulation Shortfall N/A
============
Aggregate Accumulation Shortfalls N/A
============
4. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account
-----------------------------------------
1. Required Reserve Account Analysis
---------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other amount
designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $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 4.32%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
[LETTERHEAD OF FIRST USA APPEARS HERE]
Exhibit 99.13
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-3
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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 $4.76840278
Class B 4.91479169
Collateral Inv. Amt. 5.32812505
----------------------
Total (weighted avg.) $4.83668890
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 $4.76840278
Class B $4.91479169
Collateral Inv. Amt. $5.32812505
----------------------
Total (weighted avg.) $4.83668890
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 2
3. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Certificates, per
$1,000 original certificate principal amount
Class A $0.00
Class B 0.00
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 $88,534,189.12
Class B 6,924,573.31
Collateral Inv. Amt. 11,201,223.10
----------------------
Total $106,659,985.53
======================
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 $12,623,836.15
Class B 988,613.67
Collateral Inv. Amt. 1,596,991.32
----------------------
Total $15,209,441.14
======================
(b) Principal Funding Investment Proceeds (to Class A) N/A
(c) Withdrawals from Reserve Account (to Class A) N/A
----------------------
Class A Available Funds $12,623,836.15
======================
3. Principal Receivables / Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal Receivables in
the Trust as of the last day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 3
(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 4.913%
Class B 0.385%
Collateral Inv. Amt. 0.622%
----------------------
Total 5.920%
(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 $347,434,513.60
(b) 65 - 94 days $211,270,234.43
(c) 95 - 124 days $160,220,603.53
(d) 125 - 154 days $122,449,636.97
(e) 155 - 184 days $112,592,948.22
(f) 185 or more days $87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted Principal
Receivables written off as uncollectible
during the Monthly Period allocable to
the Invested Amount (the aggregate
"Investor Default Amount")
Class A $3,689,898.71
Class B 288,967.97
Collateral Inv. Amt. 466,794.41
----------------------
Total $4,445,661.09
======================
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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 5
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 6
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 12.92%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.62%
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 8.63
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $651,172,727.27
(f) Minimum 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 $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-3
Page 7
3. Accumulation Shortfall
----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account
-----------------------------------------
1. Required Reserve Account Analysis
---------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after $0.00
effect of any transfers on the Related
Transfer Date
(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. 4.44%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
Exhibit 99.14
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-4
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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 $4.78562500
Class B 4.88895839
Collateral Inv. Amt. 5.29413431
---------------------
Total (weighted avg.) $4.84168415
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 $4.78562500
Class B $4.88895839
Collateral Inv. Amt. $5.29413431
---------------------
Total (weighted avg.) $4.84168415
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 2
3. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Certificates, per
$1,000 original certificate principal amount
Class A $0.00
Class B 0.00
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 $79,999,387.57
Class B 7,220,540.96
Collateral Inv. Amt. 9,163,732.75
---------------------
Total $96,383,661.28
=====================
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 $11,407,578.67
Class B 1,030,788.81
Collateral Inv. Amt. 1,305,711.45
---------------------
Total $13,744,078.93
=====================
(b) Principal Funding Investment Proceeds (to Class N/A
(c) Withdrawals from Reserve Account (to Class A) N/A
---------------------
Class A Available Funds $11,407,578.67
=====================
3. Principal Receivables / Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal Receivables in
the Trust as of the last day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 3
(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 4.440%
Class B 0.401%
Collateral Inv. Amt. 0.508%
---------------------
Total 5.349%
(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 $347,434,513.80
(b) 65 - 94 days $211,270,234.43
(c) 95 - 124 days $160,220,603.53
(d) 125 - 154 days $122,449,636.97
(e) 155 - 184 days $112,592,948.22
(f) 185 or more days $87,401,200.13
---------------------
Total $1,041,369,137.08
=====================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted Principal
Receivables written off as uncollectible during the
Monthly Period allocable to the Invested
Amount (the aggregate "Investor Default
Amount")
Class A $3,334,425.35
Class B 301,298.68
Collateral Inv. Amt. 381,658.33
---------------------
Total $4,017,382.36
=====================
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
=====================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 5
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 6
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 12.92%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.81%
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 9.13
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $622,500,000.00
(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 $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 7
3. Accumulation Shortfall.
----------------------
The Controlled Deposit Amount for the previous
Monthly Period N/A
Less: The amount deposited into the Principal Funding
Account for the Previous Monthly Period N/A
-------------
Accumulation Shortfall N/A
=============
Aggregate Accumulation Shortfalls N/A
=============
4. Principal Funding Investment Shortfall.
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
-------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
-----------------------------------------
1. Required Reserve Account Analysis
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other amount
designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after effect of $0.00
any transfers on the Related Transfer Date
(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 4.31%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
Exhibit 99.15
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-5
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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 1995-5 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.
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 $4.82868056
Class B 4.93201394
Collateral Inv. Amt. 5.39610816
----------------------
Total (weighted avg.) $4.89033705
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 $4.82868056
Class B $4.93201394
Collateral Inv. Amt. $5.39610816
----------------------
Total (weighted avg.) $4.89033705
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A $0.00
Class B 0.00
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 $53,338,789.65
Class B 4,813,995.40
Collateral Inv. Amt. 6,109,758.04
----------------------
Total $64,262,543.09
======================
2. Allocation of Finance Charge Receivables.
----------------------------------------
(a) The aggregate amount of Allocations
of Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $7,605,845.77
Class B 687,264.22
Collateral Inv. Amt. 870,565.11
----------------------
Total $9,163,675.10
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,605,845.77
======================
3. Principal Receivables/Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal Receivables in
the Trust as of the last day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 3
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $500,000,000.00
Class B 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 2.960%
Class B 0.267%
Collateral Inv. Amt. 0.339%
----------------------
Total 3.566%
(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 $347,434,513.80
(b) 65 - 94 days $211,270,234.43
(c) 95 - 124 days $160,220,603.53
(d) 125 - 154 days $122,449,636.97
(e) 155 - 184 days $112,592,948.22
(f) 185 or more days $87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default
Amount")
Class A $2,223,161.25
Class B 200,884.85
Collateral Inv. Amt. 254,463.04
----------------------
Total $2,678,509.14
======================
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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 5
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 6
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 12.92%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.87%
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 25.07
(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 $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 7
3. Accumulation Shortfall
----------------------
The Controlled Deposit Amount for the previous
Monthly Period N/A
Less: The amount deposited into the Principal Funding
Account for the Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account
-----------------------------------------
1. Required Reserve Account Analysis
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other amount
designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after effect of $0.00
any transfers on the Related Transfer Date
(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 Peri 4.26%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
Exhibit 99.16
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-6
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/12/96
Transfer Date: 11/08/96
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.
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 5.08291667
Class B 5.22958338
Collateral Inv. Amt. 5.79791670
----------------------
Total (weighted avg.) 5.16184167
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 5.08291667
Class B 5.22958338
Collateral Inv. Amt. 5.79791670
----------------------
Total (weighted avg.) 5.16184167
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A 0.00000000
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 $132,801,735.85
Class B 11,997,540.42
Collateral Inv. Amt. 15,200,403.22
----------------------
Total $159,999,679.49
======================
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 $18,936,896.56
Class B 1,711,165.35
Collateral Inv. Amt. 2,167,476.11
----------------------
Total $22,815,538.02
======================
(b) Principal Funding Investment Proceeds (to N/A
Class A)
(c) Withdrawals from Reserve Account (to N/A
Class A)
----------------------
Class A Available Funds $18,936,896.56
======================
3. Principal Receivables/Investor Percentages
------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 3
(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 7.370%
Class B 0.666%
Collateral Inv. Amt. 0.844%
----------------------
Total 8.880%
(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 $347,434,513.80
(b) 65 - 94 days $211,270,234.43
(c) 95 - 124 days $160,220,603.53
(d) 125 - 154 days $122,449,636.97
(e) 155 - 184 days $112,592,948.22
(f) 185 or more days $87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $5,535,166.46
Class B 500,165.64
Collateral Inv. Amt. 633,543.15
----------------------
Total $6,668,875.25
======================
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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 5
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 6
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 12.92%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.63%
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 10.07
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $1,139,740,909.09
(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 N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 7
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 0.00
any transfers on the Related Transfer Date
(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 4.40%
<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
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
_______________________________________________
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-1
_______________________________________________
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/15/96
Transfer Date: 11/14/96
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.
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 4.77297528
Class B 4.88491973
CIA Inv. Amt. 5.41019745
----------------------
Total (weighted avg.) 4.84190819
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 4.77297528
Class B 4.88491973
CIA Inv. Amt. 5.41019745
----------------------
Total (weighted avg.) 4.84190819
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on the
Certificates, per $1,000 original certificate
principal amount
Class A 0.00000000
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 $79,999,387.57
Class B 7,220,540.96
CIA Inv. Amt. 9,163,732.75
----------------------
Total $96,383,661.28
======================
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 $11,407,578.67
Class B 1,030,788.81
CIA Inv. Amt. 1,305,711.45
----------------------
Total $13,744,078.93
======================
(b) Principal Funding Investment Proceeds (to Class A) N/A
(c) Withdrawals from Reserve Account (to Class A) N/A
----------------------
Class A Available Funds $11,407,578.67
======================
3. Principal Receivables/Investor Percentages
--------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 3
(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 4.440%
Class B 0.401%
CIA Inv. Amt. 0.508%
----------------------
Total 5.349%
(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 $347,434,513.80
(b) 65 - 94 days $211,270,234.43
(c) 95 - 124 days $160,220,603.53
(d) 125 - 154 days $122,449,636.97
(e) 155 - 184 days $112,592,948.22
(f) 185 or more days $87,401,200.13
----------------------
Total $1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $3,334,425.35
Class B 301,298.68
CIA Inv. Amt. 381,658.33
----------------------
Total $4,017,382.36
======================
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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 5
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 6
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 12.92%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.62%
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 5.65
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $385,227,272.73
(f) Minimum 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 7
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 4.41%
<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
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-2
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/12/96
Transfer Date: 11/11/96
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.
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 5.09208333
Class B 5.22958343
CIA Inv. Amt. 5.84375007
----------------------
Total (weighted avg.) 5.17383404
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 5.09208333
Class B 5.22958343
CIA Inv. Amt. 5.84375007
----------------------
Total (weighted avg.) 5.17383404
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 2
3. The amount of the distribution set forth in paragraph 1
above in respect of principal on the Certificates, per
$1,000 original certificate principal amount
Class A 0.00000000
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 64,002,667.07
Class B 5,794,388.13
CIA Inv. Amt. 7,331,528.81
----------------------
Total 77,128,584.01
======================
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 9,127,269.63
Class B 826,017.90
CIA Inv. Amt. 1,045,072.37
----------------------
Total 10,998,359.90
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds 9,127,269.63
======================
3. Principal Receivables/Investor Percentages
------------------------------------------
(a) The aggregate amount of Principal Receivables in
the Trust as of the last day of the Monthly Period
$16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 3
(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 3.552%
Class B 0.321%
CIA Inv. Amt. 0.407%
----------------------
Total 4.280%
(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 347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
----------------------
Total 1,041,369,137.08
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 4
5. Monthly Investor Default Amount.
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A 2,667,912.63
Class B 241,446.09
CIA Inv. Amt. 305,476.00
----------------------
Total 3,214,834.72
======================
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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 5
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 6
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 12.92%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.64%
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 20.89
(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 $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 7
3. Accumulation Shortfall
----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account
-----------------------------------------
1. Required Reserve Account Analysis
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount
designated by Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect 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 4.38%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
<PAGE>
Exhibit 99.19
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-4
-----------------------------------------------
Monthly Period: 10/01/96 to
10/31/96
Distribution Date: 11/12/96
Transfer Date: 11/11/96
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 1996-4 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.
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 $5.10125000
Class B 5.26625011
CIA Inv. Amt. 6.16456264
---------------------
Total (weighted avg.) $5.21464136
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 $5.10125000
Class B 5.26625011
CIA Inv. Amt. 6.16456264
----------------------
Total (weighted avg.) $5.21464136
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A $0.00000000
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 $53,338,789.65
Class B 4,813,995.40
CIA Inv. Amt. 6,109,758.04
----------------------
Total $64,262,543.09
======================
2. Allocation of Finance Charge Receivables.
----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $9,163,675.10
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $9,163,675.10
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,163,675.10
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $0.00
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $0.00
======================
3. Principal Receivables/Investor Percentages
------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly period $16,892,367,448.16
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 3
(b) Invested Amount as of the last day of the
preceding month (Adjusted Class A Invested
Amount during Accumulation Period)
Class A $500,000,000.00
Class B 45,180,000.00
CIA 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 2.96000%
Class B 0.26700%
CIA Inv. Amt. 0.33900%
---------------------
Total 3.56600%
(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 $347,434,513.80
(b) 65 - 94 days 211,270,234.43
(c) 95 - 124 days 160,220,603.53
(d) 125 - 154 days 122,449,636.97
(e) 155 - 184 days 112,592,948.22
(f) 185 or more days 87,401,200.13
---------------------
Total $1,041,369,137.08
=====================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 4
5. Monthly Investor Default Amount.
-------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $2,223,161.25
Class B 200,884.85
CIA Inv. Amt. 254,463.04
----------------------
Total $2,678,509.14
======================
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 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
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 5
(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 $625,000.00
Class B 56,475.00
CIA Inv. Amt. 71,537.50
----------------------
Total $753,012.50
======================
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 $57,230,000.00
(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
$57,230,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 6
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 Perio 12.92%
12. The Base Rate
-------------
The Base Rate for the related Monthly Period 7.69%
C. Information Regarding the Principal Funding Account
---------------------------------------------------
1. Accumulation Period
-------------------
(a) Accumulation Period commencement date 07/31/05
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 25.07
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $602,410,000.00
(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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 7
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 0.00
any transfers on the Related Transfer Date
(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 4.33%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ W. Todd Peterson
-------------------------------
W. Todd Peterson
Vice President
