FIRST USA CREDIT CARD MASTER TRUST
8-K, 1996-10-23
ASSET-BACKED SECURITIES
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<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)              SEPTEMBER 10, 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                      76-00399224
  --------------                --------------                  ------------
  (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 tranferor (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 August 1 through August 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
  Payments 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 Certificateholdres' 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: October 23, 1996
      ----------------

<PAGE>
 
                                                                   EXHIBIT 99.01


                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]
                                                                       

                    MONTHLY  CERTIFICATEHOLDERS'  STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1992-1
                _______________________________________________

                Monthly Period:                08/01/96 to
                                               08/31/96
                Distribution Date:             09/16/96
                Transfer Date:                 09/13/96

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                        $84.05555659
                                    Class B                         $4.83333333


     2.   The amount of the distribution set forth in
          paragraph 1 above in respect of interest on
          the Certificates, per $1,000 original
          certificate principal 
          amount                    Class A                         $0.72222218
                                    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                        $83.33333442
                                    Class B                         $0.00000000


B.   Information Regarding the Performance of the Trust.
     ---------------------------------------------------

     1.   Collection of Principal Receivables.
          ------------------------------------

          The aggregate amount of Collections of Principal
          Receivables processed during the Collection Period
          which were allocated in respect of the Certificates

                                    Class A                      $31,974,835.79
                                    Class B                       $4,353,050.59
                                                             -------------------
                                    Total                        $36,327,886.38
                                                             ===================
                                                             
     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                         $745,783.10
                                    Class B                         $610,186.22
                                                             -------------------
                                    Total                         $1,355,969.32
                                                             ===================

     3.   Principal Receivables / Investor Percentages
          --------------------------------------------

          (a)  The aggregate amount of Principal Receivables
               in the Trust as of the last day of the
               Collection Period                             $16,965,492,542.30




          (b)  Invested Amount as of the last day
               of the Collection Period

                                    Class A                      $25,666,663.00
                                    Class B                       42,000,000.00
                                                             -------------------
                                    Total                        $67,666,663.00
                                                             ===================
<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                              0.151%
                                    Class B                              0.248%
                                                             -------------------
                                    Total                                0.399%

          (d)  During the Amortization Period: The Invested
               Amount as of September 30, 1995 (the last day of the 
               Revolving Period)
                                    Class A                     $308,000,000.00
                                    Class B                       42,000,000.00
                                                             -------------------
                                    Total                       $350,000,000.00

          (c)  The Fixed/Floating Allocation Percentage: The        
               Invested Amount set forth in paragraph 3(d) above as a 
               percentage of the aggregate amount of Principal 
               Receivables set forth in paragraph 3(a) above

                                    Class A                              1.815%
                                    Class B                              0.248%
                                                             -------------------
                                    Total                                2.063%

     4.   Delinquent Balances.

          The aggregate amount of outstanding balances            Aggregate
          in the Accounts which were delinquent as of              Account
          the end on the last day of the Collection                Balance
          Period                                             -------------------

          (a)  35 - 64 days                                      312,272,525.64
          (b)  65 - 94 days                                      170,748,276.22
          (c)  95 - 124 days                                     142,430,236.99
          (d)  125 - 154 days                                    110,281,956.57
          (e)  155 or more days                                  169,493,771.96
                                                             -------------------
                                    Total                       $905,226,767.38
                                                             ===================

      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                         $210,752.10
                                    Class B                          172,433.54
                                                             -------------------
                                    Total                           $383,185.64
                                                             ===================
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                        Series 1992-1
Page 4

     6.   Investor Charge-Offs & Reimbursements of Charge-Offs.
          ----------------------------------------------------      

          (a)  The aggregate amount of Class A and Class B 
               Investor Charge-Offs during the Collection 
               Period

                                    Class A                               $0.00
                                    Class B                                0.00
                                                             -------------------
                                    Total                                 $0.00
                                                             ===================

          (b)  The amounts set forth in paragraph 6(a) 
               above, per $1,000 original certificate 
               principal amount (which will have the effect 
               of reducing, pro rata, the amount of each 
               Certificateholder's investment)

                                    Class A                               $0.00
                                    Class B                                0.00
                                                             -------------------
                                    Total                                 $0.00
                                                             ===================
                                                             
          (c)  The aggregate amount of Class A and Class B 
               Investor Charge-Offs reimbursed during the 
               Collection Period

                                    Class A                               $0.00
                                    Class B                                0.00
                                                             -------------------
                                    Total                                 $0.00
                                                             ===================

          (d)  The amounts set forth in paragraph 6(c) above, 
               per $1,000 original certificate principal 
               amount (which will have the effect of increasing, 
               pro rata, the amount of each Certificateholder's 
               investment)

                                    Class A                               $0.00
                                    Class B                                0.00
                                                             -------------------
                                    Total                                 $0.00
                                                             ===================
     7.   Investor Servicing Fee.
          ----------------------

          The amount of the Investor Monthly Servicing Fee 
          payable by the Trust to the Servicer for the 
          Collection Period

                                    Class A                          $85,555.55
                                    Class B                           70,000.00
                                                             -------------------
                                    Total                           $155,555.55

     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
<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                        $25,242,182.72


          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                                       $4,242,182.72


     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                          0.08333332
                                    Class B                          1.00000000
                                                             -------------------
                                    Total (weighted avg.)            0.19333332


     15.  The Portfolio Yield
          -------------------

          The Portfolio Yield for the related Monthly Period             12.51%


     16.  The Base Rate
          -------------

          The Base Rate for the related Monthly period                    7.47%
<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 BANK APPEARS HERE]


                     MONTHLY CERTIFICATEHOLDERS'STATEMENT


                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-1
                _______________________________________________

                Monthly Period:                08/01/96 to
                                               08/31/96
                Distribution Date:             09/16/96
                Transfer Date:                 09/13/96

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                     $5,10000000
     
     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                              $5,10000000 

     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
                           -----------------------------------------------------
                                                     10.38%      $51,910,639.78


     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 Changes           15.79%           $6,579,914.78
              Discount Receivables                1.64%             $683,726.78 
                                                 ------            ------------ 
                 Total                           17.43%           $7,263,641,56



     3.  Principal Receivables / Investor Percentages
         --------------------------------------------

         (a)  The aggregate amount of Principal Receivables
              in the Trust as of the last day of the
              Collection Period                              $16,965,492,542.30

         (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                                       2.947%

         (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 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                            1.79%    $312,272,525.64
         (b)  65 - 94 days                            0.98%    $170,748,276.22
         (c)  95 - 124 days                           0.82%    $142,430,236.99
         (d)  125 - 154 days                          0.63%    $110,281,956.57
         (e)  155 or more days                        0.79%    $169,493,771.96
                                      -----------------------------------------
                           Total                      5.19%    $905,226,767.38
                                      =========================================
                                     

     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")                                        $2,052,632.64

  
     6.  Investor Charge-Offs & Reimbursements of Charge-Offs.
         ----------------------------------------------------

         (a)   The aggregate amount 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.  Withdrawl from Cash Collateral Amount 
         -------------------------------------

         The amount to withdrawn from Cash Collateral
         Account on the related Distrubution.                            $0.00
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT               Series 1993-1
Page 4


     9.  Cash Collateral Account
         -----------------------
        
         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           12.51%


     16. 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 99.03

                 

                 [LETTER HEAD OF FIRST USA BANK APPEARS HERE]



                    MONTHLY  CERTIFICATEHOLDERS'  STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-2
                _______________________________________________

                    Monthly Period:                08/01/96 to
                                                   08/31/96
                    Distribution Date:             09/16/96
                    Transfer Date:                 09/13/96

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                    $254.96666667

     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                               $4.96666667

     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
                           -----------------------------------------------------
                                                      10.38%     $51,910,639.78

     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 Charge           15.79%   $6,579,914.78
                       Discount Receivables               1.64%     $683,726.78
                                                          -----      ----------
                          Total                          17.43%   $7,263,641.56


     3.  Principal Receivables / Investor Percentages
         --------------------------------------------

         (a)   The aggregate amount of Principal Receivables
               in the Trust as of the last day of the
               Collection Period                             $16,965,492,542.30

         (b)(1)Invested Amount as of the last day
               of the Collection Period                         $375,000,000.00

            (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 % dsefaults)      2.210%

            (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              2.947%

     4.  Delinquent Balances.
         --------------------
     
         The aggregate amount of outstanding balances in the
         Accounts which were delinquent as of the end of the day
         on the last day of the Collection Period                Aggregate
                                                % of Total        Account
                                               Outstandings       Balance
                                             -----------------------------------

         (a)   35 - 64 days                            1.79%    $312,272,525.64
         (b)   65 - 94 days                            0.98%    $170,748,276.22
         (c)   95 - 124 days                           0.82%    $142,430,236.99
         (d)   125 - 154 days                          0.63%    $110,281,956.57
         (e)   155 or more days                        0.97%    $169,493,771.96
                                             -----------------------------------
                                   Total               5.19%    $905,226,767.38
                                             ===================================

     5.  Monthly Investor Default Amount.
         --------------------------------

         (a)   The aggregate amount of all defaulted 
               Principal Receivables written off as 
               uncollectible during the Collection 
               Period allocable to the Invested Amount
               Amount (the "Monthly Investor Default
               Amount")                                           $2,052,632.64


     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 Collective Period                                      $625,000.00




     8.  Withdrawal from Cash Collateral Amount.
         --------------------------------------- 

         The amount to withdrawn from Cash Collateral Account
         on the related Distribution date.                                $0.00


     9.  Cash Collateral Amount.
         -----------------------
 
         The Available Cash Collateral Amount as of the close 
         of business on the related Distribution Date after 
         giving effect to withdrawals, deposits and payments 
         to be made with respect to the Collection Period

                             Total                               $65,000,000.00

         The Required Cash Collateral Amount as of the close
         of business on the related Distribution Date after
         giving effect to withdrawals, deposits and payments
         to be made with respect to the Collection Period

                             Total                               $65,000,000.00


     10. Funds on Deposit in Cash Collateral Account
         -------------------------------------------

         The aggregate amount of funds on deposit in the 
         Cash Collateral Account pursuant to Section 
         2.11(a)(viii) of the Amended Loan Agreement 
         on such Distribution Date                                $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                               $50,000,000.00


     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

                                                                     0.75000000

     15. The Portfolio Yield
         -------------------

         The Portfolio Yield for the related Monthly Period              12.51%


     16. The Base Rate
         -------------
 
         The Base Rate for the related Monthly Period                     7.59%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT                  
Signature Page


                         FIRST USA BANK
                         as Servicer


                             /s/W. Todd Peterson      
                         By: ---------------------------------------------------
                             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:                08/01/96 to
                                                 08/31/96
                  Distribution Date:             09/16/96
                  Transfer Date:                 09/13/96

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                    $5.05555556

     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                             $5.05555556

     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
                               -------------------------------------------------
                                                         10.38%   $77,863,165.19


    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 Charge                    15.79%    $9,869,531.50
              Discount Receivables                        1.64%    $1,025,553.33
                                                          -----    -------------
                 Total                                   17.43%   $10,895,084.83


    3.  Principal Receivables / Investor Percentages
        --------------------------------------------

        (a)   The aggregate amount of Principal Receivables
              in the Trust as of the last day of the
              Collection Period                               $16,965,492,542.30

        (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)         4.421%

           (2)The Floating Investor Percentage: The Invested
              Amount as a percentage of the aggregate amount 
              of Principal Receivables (principal collections)            4.421%

        (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                           1.79%        $312,272,525.64
        (b)  65 - 94 days                           0.98%        $170,748,276.22
        (c)  95 - 124 days                          0.82%        $142,430,236.99
        (d)  125 - 154 days                         0.63%        $110,281,956.57
        (e)  155 or more days                       0.97%        $169,493,771.96
                                    --------------------------------------------
                             Total                  5.19%        $905,226,767.38
                                    ============================================

    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")                                              $3,078,921.27



    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 Collecti                $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                12.51%


    16. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.69%
<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:                08/01/96 to
                                              08/31/96
               Distribution Date:             09/16/96
               Transfer Date:                 09/13/96

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                    $5.02888889
                                         Class B                     5.18888889
                                         Collateral Inv. Amt.        5.38658857
                                                                ----------------
                                         Total (weighted avg.)      $5.07345886

     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                    $5.02888889
                                         Class B                     5.18888889
                                         Collateral Inv. Amt.        5.38658857
                                                                ----------------
                                         Total (weighted avg.)      $5.07345886
<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                 $55,261,369.25
                                         Class B                   3,599,912.45
                                         Collateral Inv. Amt.      6,538,475.27
                                                                ----------------
                                         Total                   $65,399,756.97
                                                                ================
     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                  $7,732,690.86
                                         Class B                     503,311.24
                                         Collateral Inv. Amt.        915,111.34
                                                                ----------------
                                         Total                    $9,151,113.44
                                                                ================

     3.  Principal Receivables / Investor Percentages
         --------------------------------------------

         (a)   The aggregate amount of Principal Receivables
               in the Trust as of the last day of the
               Monthly Period                                $16,965,492,542.30


         (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                         3.138%
                                         Class B                         0.204%
                                         Collateral Inv. Amt.            0.371%
                                                                ----------------
                                         Total                           3.713%
                                                                ================

         (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               Aggregate
         Accounts which were delinquent as of the end                Account
         on the last day of the Monthly Period                       Balance
                                                                ----------------
                                                  
         (a)   35 - 64 days                                     $312,272,525.64
         (b)   65 - 94 days                                      170,748,276.22
         (c)   95 - 124 days                                     142,430,236.99
         (d)   125 - 154 days                                    110,281,956.57
         (e)   155 - 184 days                                     91,316,462.22
         (e)   185 or more days                                   78,177,309.74
                                                                ----------------
                                         Total                  $905,226,767.38
                                                                ================
<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                  $2,185,158.63
                                         Class B                     142,229.26
                                         Collateral Inv. Amt.        258,598.66
                                                                ----------------
                                         Total                    $2,585,986.55
                                                                ================

         (b)   The amount set forth in paragraph 5(a) above in
               respect of the Monthly Investor Default Amount, per
               $1,000 interest

                                         Class A                          $4.10
                                         Class B                           4.10
                                         Collateral Inv. Amt.              4.10
                                                                ----------------
                                         Total                            $4.10
                                                                ================

     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>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT               SERIES 1994-3
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              12.51%

     12. The Base Rate
         ------------- 

         The Base Rate for the Related Monthly Period                     7.67%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
SIGNATURE PAGE


                    FIRST USA BANK
                    as Servicer


                    By: /s/ W. Todd Peterson
                        -------------------------------
                        W. Todd Peterson
                        Vice President

<PAGE>
 
                                                                   EXHIBIT 99.06

                    [LETTERHEAD OF FIRST USA APPEARS HERE]

                    MONTHLY  CERTIFICATEHOLDERS'  STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-4
                _______________________________________________

                Monthly Period:                08/01/96 to
                                               08/31/96
                Distribution Date:             09/16/96
                Transfer Date:                 09/13/96

Under Section 5.02 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") by and between First USA Bank
(the "Bank") and The Bank of New York (Delaware), as trustee (the "Trustee") the
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to Certificateholders and the performance of the
First USA Credit Card Master Trust (the "Trust") during the previous month. The
information which is required to be prepared with respect to the the Trust
during the Monthly Period referenced above is set forth below. Certain
information is presented on the basis of an original principal amount of $1,000
per Series 1994-4 Certificate (a "Certificate"). Certain other information is
presented based on the aggregate amount for the Trust as a whole. Capitalized
terms used in this Monthly Certificateholders' Statement have their respective
meanings set forth in the Pooling and Servicing Agreement.

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                     $5.16222222 
                                        Class B                      5.34888889
                                        Collateral Inv. Amt.         5.48333333
                                                            --------------------
                                        Total (weighted avg.)       $5.20646667
 
     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                     $5.16222222
                                        Class B                      5.34888889
                                        Collateral Inv. Amt.         5.48333333
                                                            --------------------
                                        Total (weighted avg.)       $5.20646667 
<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                  $75,620,341.60
                                        Class B                    5,787,597.78
                                        Collateral Inv. Amt.       8,906,424.20 
                                                            --------------------
                                        Total                    $90,314,363.58
                                                            ====================

     2.   Allocation of Finance Charge Receivables.
          -----------------------------------------

          The aggregate amount of Allocations of Finance Charge
          Receivables processed during the Monthly Period
          which were allocated in respect of the Certificates

                                        Class A                  $10,552,162.36 
                                        Class B                      821,425.81 
                                        Collateral Inv. Amt.       1,263,732.02 
                                                            --------------------
                                        Total                    $12,637,320.19
                                                            ====================

     3.   Principal Receivables / Investor Percentages
          --------------------------------------------

          (a)  The aggregate amount of Principal Receivables
               in the Trust as of the last day of the Monthly
               Period                                        $16,965,492,542.30

          (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                          4.282%
                                        Class B                          0.333%
                                        Collateral Inv. Amt.             0.513%
                                                            --------------------
                                        Total                            5.128%
                                                            ====================

          (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                                     $312,272,525.64
          (b)  65 - 94 days                                      170,748,276.22
          (c)  95 - 124 days                                     142,430,236.99
          (d)  125 - 154 days                                    110,281,956.57
          (e)  155 - 184 days                                     91,316,462.22
          (f)  185 or more days                                   78,177,309.74
                                                            --------------------
                                        Total                   $905,226,767.38
                                                            ====================
<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                   $2,981,955.52
                                        Class B                      232,128.27
                                        Collateral Inv. Amt.         357,120.42
                                                            --------------------
                                        Total                     $3,571,204.21
                                                            ====================

          (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                           $4.10
                                        Class B                            4.10
                                        Collateral Inv. Amt.               4.10
                                                            --------------------
                                        Total                             $4.10
                                                            ====================

     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             12.50%

     12.  The Base Rate
          -------------
          
          The Base Rate for the Related Monthly Period                    7.82%
<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 OF FIRST USA APPEARS HERE]


                    MONTHLY  CERTIFICATEHOLDERS'  STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-5
                _______________________________________________


               Monthly Period:                    08/01/96 to
                                                  08/31/96
               Distribution Date:                 09/16/96
               Transfer Date:                     09/13/96

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                   $4.95777778
                                           Class B                    5.13555567
                                           Collateral Inv. Amt.       5.47778324
                                                                 ---------------
                                           Total (weighted avg.)     $5.02393227
             

    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                   $4.95777778
                                           Class B                    5.13555567
                                           Collateral Inv. Amt.       5.47778324
                                                                 ---------------
                                           Total (weighted avg.)     $5.02393227
<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                $51,910,639.84
                                           Class B                  4,065,475.45
                                           Collateral Inv. Amt.     6,571,278.33
                                                                ----------------
                                           Total                  $62,547,393.62
                                                                ================
    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                 $7,264,167.80
                                           Class B                    568,929.62
                                           Collateral Inv. Amt.       918,917.23
                                                                ----------------
                                           Total                   $8,752,014.65
                                                                ================
    3.  Principal Receivables / Investor Percentages
        --------------------------------------------

        (a)  The aggregate amount of Principal Receivables in
             the Trust as of the  last day of the Monthly Period
                                                              $16,965,492,542.30


        (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                           2.947%
                                        Class B                           0.231%
                                        Collateral Inv. Amt.              0.373%
                                                               -----------------
                                        Total                             3.551%

        (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                Aggregate
        Accounts which were delinquent as of the end                 Account
        on the last day of the Monthly Period                        Balance
                                                             -------------------
        (a)  35 - 64 days                                        $312,272,525.64
        (b)  65 - 94 days                                         170,748,276.22
        (c)  95 - 124 days                                        142,430,236.99
        (d)  125 - 154 days                                       110,281,956.57
        (e)  155 - 184 days                                        91,316,462.22
        (f)  185 or more days                                      78,177,309.74
                                                             -------------------
                                     Total                       $905,226,767.38
                                                             ===================
<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                   $2,052,859.12
                                         Class B                      160,779.93
                                         Collateral Inv. Amt.         259,686.68
                                                                ----------------
                                         Total                     $2,473,325.73
                                                                ================
        (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                           $4.11
                                         Class B                            4.11
                                         Collateral Inv. Amt.               4.11
                                                                ----------------
                                         Total                             $4.11
                                                                ================

    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 reimbursement of
             reductions in the Class B Invested Amount and the
             Collateral Invested Amount

                                         Class A                           $0.00
                                         Class B                            0.00
                                         Collateral Inv. Amt.               0.00
                                                                ----------------
                                         Total                             $0.00
                                                                ================

        (d)  The amount set forth in paragraph 6(c) above, per
             $1,000 interest (which will have the effect of
             increasing, pro rata, the amount of each
             Certificateholder's investment)

                                         Class A                           $0.00
                                         Class B                            0.00
                                         Collateral Inv. Amt.               0.00
                                                                 ---------------
                                         Total                             $0.00
                                                                 ===============

    7.  Investor Servicing Fee.
        ----------------------

        (a)  The amount of the Investor Monthly Servicing Fee
             payable by the Trust to the Servicer for the
             Monthly Period
                                         Class A                     $625,000.00
                                         Class B                       48,950.00
                              Remaining Servicing Fee                  79,062.50
                                                                ----------------
                                         Total                       $753,012.50
                                                                ================

        (b)  The amount set forth in paragraph 7(a) above, per
             $1,000 interest
                                         Class A                     $1.25000000
                                         Class B                      1.25000000
                              Remaining Servicing Fee                 1.25000000
                                                                ----------------
                                         Total                       $1.25000000
                                                                ================

    8.  Reallocated Principal Collections
        ---------------------------------
        The amount of Reallocated Collateral and Class B
        Principal Collections applied in respect of Interest
        Shortfalls, Investor Default Amounts or Investor
        Charge-Offs for the prior month.

                                         Class B                           $0.00
                                         Collateral Inv. Amt.               0.00
                                                                ----------------
                                         Total                             $0.00
                                                                ================
<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                12.51%

    12. The Base Rate
        -------------

        The Base Rate for the related Monthly Period                       7.59%
<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]



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-6
                _______________________________________________

               Monthly Period:                   08/01/96 to  
                                                 08/31/96   
               Distribution Date;                09/16/96   
               Transfer Date:                    09/13/96    

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               $5.14444444
                                     Class B                5.34888883
                                     Collateral Inv. Amt.   5.58518359
                                                          -------------
                                     Total (weighted avg.) $5.20180656

     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               $5.14444444
                                     Class B                5.34888883
                                     Collateral Inv. Amt.   5.58518359
                                                          -------------
                                     Total (weighted avg.) $5.20180656
<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                 $77,863,165.20
                                     Class B                   6,055,113.46
                                     Collateral Inv. Amt.      9,331,853.26
                                                            ---------------
                                     Total                   $93,250,131.92
                                                             ==============


     2.  Allocation of Finance Charge Receivables.
         -----------------------------------------
    
         The aggregate amount of Allocations of Finance Charge
         Receivables processed during the Monthly Period
         which were allocated in respect of the Certificates

                                     Class A                 $10,895,223.15
                                     Class B                     848,084.17
                                     Collateral Inv. Amt.      1,304,811.92
                                                             --------------
                                     Total                   $13,048,119.24
                                                             ==============


     3.  Principal Receivables / Investor Percentages
         --------------------------------------------
         
         (a)  The aggregate amount of Principal Receivables in
              the Trust as of the  last day of the Monthly Period
               
                                                         $16,965,492,542.30


         (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                     4.421%
                                     Class B                     0.344%
                                     Collateral Inv. Amt.        0.529%
                                                            ------------
                                     Total                       5.294%

          (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      Aggregate
          Accounts which were delinquent as of the end      Account
          on the last day of the Monthly Period             Balance
                                                      -----------------
         
         (a)  35 - 64 days                             $312,272,525.64
         (b)  65 - 94 days                              170,748,276.22
         (c)  95 - 124 days                             142,430,236.99
         (d)  125 - 154 days                            110,281,956.57
         (e)  155 - 184 days                             91,316,462.22
         (f)  185 or more days                           78,177,309.74
                                                      -----------------
                                     Total             $905,226,767.38
                                                      =================
<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             $3,078,945.77
                                     Class B                239,665.14
                                     Collateral Inv. Amt.   368,734.55
                                                         --------------
                                     Total               $3,687,345.46
                                                         ==============

          (b)  The amount set forth in paragraph 5(a) above in
               respect of the Monthly Investor Default Amount, per
               original $1,000 interest
               
                                     Class A                     $4.11
                                     Class B                      4.11
                                     Collateral Inv. Amt.         4.11
                                                          -------------
                                     Total                       $4.11
                                                          =============

     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             12.51%

     12.  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 99.09

                  [LETTERHEAD OF FIRST USA BANK APPEARS HERE]

                    MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-7
                _______________________________________________

                  Monthly Period:                  08/01/96 to
                                                   08/31/96
                  Distribution Date:               09/16/96
                  Transfer Date:                   09/13/96

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                     $4.99333333
                                        Class B                      5.18888891
                                        Collateral Inv. Amt.         5.32222218
                                                              ------------------
                                        Total (weighted avg.)       $5.04057793

     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                     $4.99333333
                                        Class B                      5.18888891
                                        Collateral Inv. Amt.         5.32222218
                                                              ------------------
                                        Total (weighted avg.)       $5.04057793
<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

                                        Blass 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                  $77,863,165.19
                                        Class B                    6,090,711.08
                                        Collateral Inv. Amt.       9,850,812.61
                                                              ------------------
                                        Total                    $93,804,688.88
                                                              ==================

     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                  $10,894,340.79
                                        Class B                      853,172.14
                                        Collateral Inv. Amt.       1,378,206.74
                                                              ------------------
                                        Total                    $13,125,719.67
                                                              ==================

         (b)  Principal Funding Investment Proceeds (to Class A)             N/A
         (c)  Withdrawals from Reserve Account (to Class A)                  N/A
                                                              ------------------
               Class A Available Funds                           $10,894,340.79
                                                              ==================


     3.  Principal Receivables / Investor Percentages
         -------------------------------------------- 

         (a)  The aggregate amount of Principal Receivables
              in the Trust as of the  last day of the 
              Monthly Period
                                                              $16,965,492,542.30
<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                           4.421%
                                        Class B                           0.346%
                                        Collateral Inv. Amt.              0.559%
                                                              ------------------
                                        Total                             5.326%
                                                       

         (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               Aggregate
         Accounts which were delinquent as of the end                Account
         on the last day of the Monthly Period                       Balance
                                                              ------------------

         (a)  35 - 64 days                                      $312,272,525.64
         (b)  65 - 94 days                                       170,748,276.22
         (c)  95 - 124 days                                      142,430,236.99
         (d)  125 - 154 days                                     110,281,956.57
         (e)  155 - 184 days                                      91,316,462.22
         (f)  185 or more days                                    78,177,309.74
                                                              ------------------
                                        Total                   $905,226,767.38
                                                              ==================
<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                   $3,078,713.23
                                        Class B                      241,104.30
                                        Collateral Inv. Amt.         389,477.75
                                                              ------------------
                                        Total                     $3,709,295.28
                                                              ==================

         (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                           $4.10
                                        Class B                            4.10
                                        Collateral Inv. Amt.               4.10
                                                              ------------------
                                        Total                             $4.10
                                                              ==================

     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              12.51%

     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                    10/31/98
                                                         
         (b)  Accumulation Period Length (months)                             1
                                                         
         (c)  Accumulation Period Factor                                  17.02
                                                         
         (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        4.03%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT           
Signature Page


                                   FIRST USA BANK
                                   as Servicer

                                       /s/W. Todd Peterson 
                                   By: -----------------------------------------
                                       W. Todd Peterson 
                                       Vice President 

<PAGE>
 
                                                                   EXHIBIT 99.10

                      [LETTERHEAD OF THE FIRST USA BANK]


                    MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-8
                _______________________________________________

              Monthly Period:                08/01/96 to
                                             08/31/96
              Distribution Date:             09/16/96
              Transfer Date:                 09/13/96

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)     $0.00000000
                                     Class B (quarterly)      0.00000000
                                     Collateral Inv. Amt.     5.41267956


     2.  The amount of the distribution set forth in
         paragraph 1 above in respect of interest on
         the Certificates, per $1,000 original
         certificate principal amount

                                     Class A (quarterly)     $0.00000000
                                     Class B (quarterly)     $0.00000000
                                     Collateral Inv. Amt.     5.41267956
<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                    $51,910,639.84
                                     Class B                      4,065,475.45
                                     Collateral Inv. Amt.         6,571,278.33
                                                               ----------------
                                     Total                      $62,547,393.62
                                                               ================

     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                     $7,264,167.80
                                     Class B                        568,886.04
                                     Collateral Inv. Amt.           918,960.81
                                                               ----------------
                                     Total                       $8,752,014.65
                                                               ================

         (b)  Interest Funding Investment Proceeds (to Class A)       9,478.26
         (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                    $7,273,646.06
                                                               ================

         (b)  Interest Funding Investment Proceeds (to Class B)         768.51
                                                               ----------------
                Total Class B F/C and Investment Proceeds          $569,654.55
                                                               ================

     3.  Principal Receivables / Investor Percentages
         --------------------------------------------

         (a)  The aggregate amount of Principal Receivables in
              the Trust as of the  last day of the Monthly Period

                                                            $16,965,492,542.30
<PAGE>
 
MONTHLY  CERTIFICATEHOLDERS'  STATEMENT             Series 1994-8
Page 3

         (b)  Invested Amount as of the last day of the preceding
              month (Adjusted Class A Invested Amount during
              Accumulation Period)
                                     Class A                   $500,000,000.00
                                     Class B                     39,157,000.00
                                     Collateral Inv. Amt.        63,253,000.00
                                                             ------------------
                                     Total                     $602,410,000.00
                                                             ==================

         (c)  The Floating Allocation Percentage: The Invested
              Amount set forth in paragraph 3(b) above as a
              percentage of the aggregate amount of Principal
              Receivables as of the Record Date set forth in
              paragraph 3(a) above

                                     Class A                            2.947%
                                     Class B                            0.231%
                                     Collateral Inv. Amt.               0.373%
                                                             ------------------ 
                                     Total                              3.551%
                                                               
         (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             Aggregate
         Accounts which were delinquent as of the end              Account
         on the last day of the Monthly Period                     Balance
                                                             ------------------

         (a)  35 - 64 days                                     $312,272,525.64
         (b)  65 - 94 days                                      170,748,276.22
         (c)  95 - 124 days                                     142,430,236.99
         (d)  125 - 154 days                                    110,281,956.57
         (e)  155 - 184 days                                     91,316,462.22
         (f)  185 or more days                                   78,177,309.74
                                                             ------------------
                                     Total                     $905,226,767.38
                                                             ================== 
<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                     $2,052,859.12
                                     Class B                       $160,767.61
                                     Collateral Inv. Amt.          $259,699.00
                                                             ------------------ 
                                     Total                       $2,473,325.73
                                                             ==================

         (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                             $4.11
                                     Class B                              4.11
                                     Collateral Inv. Amt.                 4.11
                                                             ------------------
                                     Total                               $4.11
                                                             ==================


     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             12.53%

     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)                                    $0.00
         Plus: Interest for Related Monthly Period from Finance
               Charge Account                                     2,551,111.11
         Plus: Interest on Interest Funding Account Balance for
               Related Monthly Period                                 9,478.26
         Less: Withdrawals to Finance Charge Account                  9,478.26
         Less: Withdrawals to Distribution Account                       $0.00
                                                             ------------------
     Ending Balance         (Class A)                            $2,551,111.11
<PAGE>
 
MONTHLY  CERTIFICATEHOLDERS'  STATEMENT             Series 1994-8
Page 7


     Beginning Balance      (Class B)                                    $0.00
         Plus: Interest for Related Monthly Period from Finance
               Charge Account                                       207,097.02
         Plus: Interest on Interest Funding Account Balance for
               Related Monthly Period                                   768.51
         Less: Withdrawals to Finance Charge Account                    768.51
         Less: Withdrawals to Distribution Account                       $0.00
                                                             ------------------
     Ending Balance         (Class B)                              $207,097.02


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                                  6.49

         (d)  Required Accumulation Factor Number                           11

         (e)  Controlled Accumulation Amount                   $295,000,000.00

         (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                                     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 Montth                  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 Transfe                   $0.00


     3.  The Portfolio Adjusted Yield

         The Portfolio Adjusted Yield for the related                    3.97%
<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:                08/01/96 to
                                               08/31/96
                Distribution Date:             09/16/96
                Transfer Date:                 09/13/96

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                      $4.95777778
                                        Class B                       5.14444444
                                        Collateral Inv. Amt.          5.35777779
                                                              ------------------
                                        Total (weighted avg.)        $5.01190793

     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                      $4.95777778
                                        Class B                      $5.14444444
                                        Collateral Inv. Amt.         $5.35777779
                                                              ------------------
                                        Total (weighted avg.)        $5.01190793

<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                  $103,818,485.09
                                        Class B                     8,130,950.91
                                        Collateral Inv. Amt.       13,130,346.91
                                                              ------------------
                                        Total                    $125,079,782.91
                                                              ==================

     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                   $14,526,822.47
                                        Class B                     1,137,450.20
                                        Collateral Inv. Amt.        1,837,643.04
                                                              ------------------
                                        Total                     $17,501,915.71
                                                              ==================

          (b)  Principal Funding Investment Proceeds (to Class A             N/A
          (c)  Withdrawals from Reserve Account (to Class A)                 N/A
                                                             -------------------
                Class A Available Funds                           $14,526,822.47
                                                             ===================
     3.   Principal Receivables / Investor Percentages
          --------------------------------------------

          (a)  The aggregate amount of Principal Receivables in
               the Trust as of the  last day of the Monthly Period

                                                              $16,965,492,542.30
<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                           5.894%
                                        Class B                           0.462%
                                        Collateral Inv. Amt.              0.746%
                                                               -----------------
                                        Total                             7.102%

          (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                                      $312,272,525.64
          (b)  65 - 94 days                                       170,748,276.22
          (c)  95 - 124 days                                      142,430,236.99
          (d)  125 - 154 days                                     110,281,956.57
          (e)  155 - 184 days                                      91,316,462.22
          (f)  185 or more days                                    78,177,309.74
                                                             -------------------
                                        Total                    $905,226,767.38
                                                             ===================
<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                    $4,105,222.43
                                        Class B                       321,438.92
                                        Collateral Inv. Amt.          519,310.64
                                                               -----------------
                                        Total                      $4,945,971.99
                                                               =================

     6.  Investor Charge-Offs & Reimbursements of Charge-Offs.
         ----------------------------------------------------

         (a)  The aggregate amount of Class A Investor Charge-
              Offs and the reductions in the Class B Invested
              Amount and the 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               12.51%

      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                                    7.87

         (d)  Required Accumulation Factor Number                             11

         (e)  Controlled Accumulation Amount                     $715,454,545.45

         (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 1995-1
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 e                     $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                      4.03%
<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 BANK APPEARS HERE]




                    MONTHLY  CERTIFICATEHOLDERS'  STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-2
                _______________________________________________

               Monthly Period:                08/01/96 to
                                              08/31/96
               Distribution Date:             09/16/96
               Transfer Date:                 09/13/96

  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                   $5.04666667
                                     Class B                    5.21111103
                                     Collateral Inv. Amt.       5.44604934
                                                          -----------------
                                     Total (weighted avg.)     $5.09929522

      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                   $5.04666667
                                     Class B                   $5.21111103
                                     Collateral Inv. Amt.      $5.44604934
                                                          -----------------
                                     Total (weighted avg.)     $5.09929522
<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                $68,513,513.12
                                     Class B                  5,373,170.51
                                     Collateral Inv. Amt.     8,670,503.59
                                                          -----------------
                                     Total                  $82,557,187.22
                                                          =================
      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                 $9,587,840.83
                                     Class B                    751,047.53
                                     Collateral Inv. Amt.     1,213,007.13
                                                          -----------------
                                     Total                  $11,551,895.49
                                                          =================

         (b)  Principal Funding Investment Proceeds (to Class A)        N/A
         (c)  Withdrawals from Reserve Account (to Class A)             N/A
                                                          -----------------
                Class A Available Funds                      $9,587,840.83
                                                          =================  


      3. Principal Receivables / Investor Percentages
         -------------------------------------------- 

         (a)  The aggregate amount of Principal Receivables in
              the Trust as of the  last day of the Monthly Period

                                                        $16,965,492,542.30
<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                        3.890%
                                     Class B                        0.305%
                                     Collateral Inv. Amt.           0.492%
                                                          -----------------
                                     Total                          4.687%

         (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                                 $312,272,525.64
         (b)  65 - 94 days                                 $170,748,276.22
         (c)  95 - 124 days                                $142,430,236.99
         (d)  125 - 154 days                               $110,281,956.57
         (e)  155 - 184 days                                $91,316,462.22
         (f)  185 or more days                              $78,177,309.74
                                                          -----------------
                                     Total                 $905,226,767.38
                                                          =================   
<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                 $2,709,471.96
                                     Class B                    212,241.97
                                     Collateral Inv. Amt.       342,789.25
                                                          -----------------
                                     Total                   $3,264,503.18
                                                          =================

      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         12.51%

     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                             19.34

         (d)  Required Accumulation Factor Number                       11

         (e)  Controlled Accumulation Amount               $660,000,000.00

         (f)  Minumum Payment Rate (last 12 months)                  9.54%


     2.  Principal Funding Account
         -------------------------

     Beginning Balance                                               $0.00
         Plus:Principal Collections for Related Monthly Period from
              Principal Account                                        N/A
         Plus:Interest on Principal Funding Account Balance for
              Related Monthly Period                                   N/A
         Less:Withdrawals to Finance Charge Account                    N/A
         Less:Withdrawals to Distribution Account                     0.00
                                                          -----------------
      Ending Balance                                                 $0.00
<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 e               $0.00
              any transfers on the Related Transfer Date

         (d)  Reserve Draw Amount transferred to the Finance
              Charge Account on the Related Transfer D               $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                3.93%
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT 
Signature Page



                                FIRST USA BANK
                                as servicer

                                By:/s/ W. Todd Peterson
                                   -----------------------------------------
                                   W. Todd Peterson  
                                   Vice President

<PAGE>
 
                                                                   EXHIBIT 99.13
 

                    [LETTERHEAD OF FIRST USA APPEARS HERE]

                    MONTHLY  CERTIFICATEHOLDERS'  STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-3
                _______________________________________________

                Monthly Period:                08/01/96 to
                                               08/31/96
                Distribution Date:             09/16/96
                Transfer Date:                 09/13/96

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                     $4.92222222
                                        Class B                      5.07333338
                                        Collateral Inv. Amt.         5.47015438
                                                             ------------------
                                        Total (weighted avg.)       $4.98957732

     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                     $4.92222222
                                        Class B                     $5.07333338
                                        Collateral Inv. Amt.        $5.47015438
                                                             ------------------
                                        Total (weighted avg.)       $4.98957732

<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                  $86,159,894.19
                                        Class B                    6,752,060.71
                                        Collateral Inv. Amt.      10,906,530.13
                                                             ------------------
                                        Total                   $103,818,485.03
                                                             ==================

     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                  $12,057,331.63
                                        Class B                      944,248.86
                                        Collateral Inv. Amt.       1,525,325.09
                                                             ------------------
                                        Total                    $14,526,905.58
                                                             ==================

          (b)  Principal Funding Investment Proceeds (to Class A)           N/A
          (c)  Withdrawals from Reserve Account (to Class A)                N/A
                Class A Available Funds                          $12,057,331.63
                                                             ==================

     3.   Principal Receivables / Investor Percentages
          --------------------------------------------

          (a)  The aggregate amount of Principal Receivables in
               the Trust as of the last day of the Monthly Period

                                                             $16,965,492,542.30
                                                             
<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                          4.892%
                                        Class B                          0.383%
                                        Collateral Inv. Amt.             0.619%
                                                             ------------------
                                        Total                            5.894% 

          (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                                     $312,272,525.64
          (b)  65 - 94 days                                     $170,748,276.22
          (c)  95 - 124 days                                    $142,430,236.99
          (d)  125 - 154 days                                   $110,281,956.57
          (e)  155 - 184 days                                    $91,316,462.22
          (f)  185 or more days                                  $78,177,309.74
                                                             ------------------
                                        Total                   $905,226,767.38
                                                             ==================
<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                   $3,407,347.20
                                        Class B                      266,840.44
                                        Collateral Inv. Amt.         431,049.95
                                                             ------------------
                                        Total                     $4,105,237.59
                                                             ==================

     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             12.51%

     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                                  8.79 

          (d)  Required Accumulation Factor Number                           11

          (e)  Controlled Accumulation Amount                   $663,245,454.55

          (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 1995-3
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 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       4.05%
<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

                   [LETTER HEAD OF FIRST USA APPEARS HERE] 



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-4
                _______________________________________________

               Monthly Period:                   08/01/96 to
                                                 08/31/96
               Distribution Date:                09/16/96
               Transfer Date:                    09/13/96

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                         $4.94000000
                                    Class B                          5.04666667
                                    Collateral Inv. Amt.             5.47528138
                                                           ---------------------
                                    Total (weighted avg.)           $4.99885253

     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                         $4.94000000
                                    Class B                         $5.04666667
                                    Collateral Inv. Amt.            $5.47528138
                                                           ---------------------
                                    Total (weighted avg.)           $4.99885253
<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                      $77,863,165.17
                                    Class B                        7,039,635.84
                                    Collateral Inv. Amt.           8,919,686.63
                                                           ---------------------
                                    Total                        $93,822,487.64
                                                           =====================

     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                      $10,896,408.35
                                    Class B                          984,599.46
                                    Collateral Inv. Amt.           1,247,202.90
                                                           ---------------------
                                    Total                        $13,128,210.71
                                                           =====================

          (b)  Principal Funding Investment Proceeds (to Class A)           N/A
          (c)  Withdrawals from Reserve Account (to Class A)                N/A
                                                           ---------------------
                Class A Available Funds                          $10,896,408.35
                                                           =====================


     3.   Principal Receivables / Investor Percentages
          --------------------------------------------

          (a)  The aggregate amount of Principal Receivables 
               in the Trust as of the last day of the 
               Monthly Period

                                                             $16,965,492,542.30
<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                              4.421%
                                    Class B                              0.399%
                                    Collateral Inv. Amt.                 0.506%
                                                           ---------------------
                                    Total                                5.326%

          (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                                     $312,272,525.64
          (b)  65 - 94 days                                     $170,748,276.22
          (c)  95 - 124 days                                    $142,430,236.99
          (d)  125 - 154 days                                   $110,281,956.57
          (e)  155 - 184 days                                    $91,316,462.22
          (f)  185 or more days                                  $78,177,309.74
                                                           ---------------------
                                    Total                       $905,226,767.38
                                                           =====================
<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                       $3,079,300.18
                                    Class B                          278,245.56
                                    Collateral Inv. Amt.             352,456.70
                                                           ---------------------
                                    Total                         $3,710,002.44
                                                           =====================

     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 aavg.)           1.00000000

     11.  The Portfolio Yield
          -------------------

          The Portfolio Yield for the related Monthly Period             12.51%

     12.  The Base Rate
          -------------

          The Base Rate for the related Monthly Period                    8.00%






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                                  9.30

          (d)  Required Accumulation Factor Number                           11

          (e)  Controlled Accumulation Amount                   $634,090,909.09

          (f)  Minumum Payment Rate (last 12 months)                      9.54%


     2.   Principal Funding Account
          -------------------------

     Beginning Balance                                                    $0.00
          Plus:Principal Collections for Related Monthly 
               Period from Principal Account                               0.00
          Plus:Interest on Principal Funding Account Balance 
               for Related Monthly Period                                   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 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               3.98%
          Period      
<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 BANK APPEARS HERE]


                    MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-5
                _______________________________________________

                  Monthly Period:                08/01/96 to
                                                 08/31/96
                  Distribution Date:             09/16/96
                  Transfer Date:                 09/13/96

Under Section 5.02 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") by and between First USA Bank
(the "Bank") and The Bank fo New York (Delaware), as trustee (the "Trustee") the
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to Certificateholders and the performance of the
First USA Credit Card Master Trust (the "Trust") during the previous month. The
information which is required to be prepared with respect to the Distribution
Date noted above and with respect to the performance of the Trust during the
month noted above is set forth below. Certain information is presented on the
basis of an original principal amount of $1,000 per Series 1995-5 Certificate (a
"Certificate"). Certain other information is presented based on the aggregate
amount for the Trust as a whole. Capitalized terms used in this Monthly
Certificateholders' Statement have their respective meanings set forth in the
Pooling and Servicing Agreement.

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                    $4.98444444
                                         Class B                     5.09111111
                                         Collateral Inv. Amt.        5.58266940
                                                                ---------------
                                         Total (weighted avg.)      $5.04927672

     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                    $4.98444444
                                         Class B                    $5.09111111
                                         Collateral Inv. Amt.       $5.58266940
                                                                ---------------
                                         Total (weighted avg.)      $5.04927672 



<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                 $51,910,639.87
                                         Class B                   4,691,227.54
                                         Collateral Inv. Amt.      5,945,526.21
                                                                ---------------
                                         Total                   $62,547,393.62
                                                                ===============

     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                  $7,264,167.80
                                         Class B                     656,390.20
                                         Collateral Inv. Amt.        831,456.65
                                                                ---------------
                                         Total                    $8,752,014.65 
                                                                ===============

         (b)  Principal Funding Investment Proceeds (to Class A)            N/A
         (c)  Withdrawals from Reserve Account (to Class A)                 N/A
                                                                ---------------
               Class A Available Funds                            $7,264,167.80
                                                                ===============

     3.  Principal Receivables / Investor Percentages
         --------------------------------------------

         (a) The aggregate amount of Principal Receivables in
             the Trust as of the  last day of the Monthly Period

                                                             $16,965,492,542.30
<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                         2.947%
                                         Class B                         0.266%
                                         Collateral Inv. Amt.            0.337%
                                                                ---------------
                                         Total                           3.550% 

         (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                                      $312,272,525.64
         (b)  65 - 94 days                                      $170,748,276.22 
         (c)  95 - 124 days                                     $142,430,236.99 
         (d)  125 - 154 days                                    $110,281,956.57 
         (e)  155 - 184 days                                     $91,316,462.22 
         (f)  185 or more days                                   $78,177,309.74 
                                                                ---------------
                                         Total                  $905,226,767.38
                                                                ===============


<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                  $2,052,859.12
                                         Class B                     185,496.35 
                                         Collateral Inv. Amt.        234,970.26 
                                                                  -------------
                                         Total                    $2,473,325.73
                                                                  =============

     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              12.51%

     12. The Base Rate
         -------------

         The Base Rate for the related Monthly Period                     8.06%




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                                  25.52

         (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 Period        3.92%
<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:                    08/01/96 to
                                                  08/31/96
               Distribution Date:                 09/10/96
               Transfer Date:                     09/09/96

Under Section 5.02 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") by and between First USA Bank
(the "Bank") and The Bank of New york (Delaware), as trustee (the "Trustee") the
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to Certificateholders and the performance of the
First USA Credit Card Master Trust (the "Trust") during the previous month. The
information which is required to be prepared with respect to the Distribution
Date noted above and with respect to the performance of the Trust during the
month noted above is set forth below. Certain information is presented on the
basis of an original principal amount of $1,000 per Series 1995-6 Certificate (a
"Certificate"). Certain other information is presented based on the aggregate
amount for the Trust as a whole. Capitalized terms used in this Monthly
Certificateholders' Statement have their respective meanings set forth in the
Pooling and Servicing Agreement.

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                       4.50771167
                                     Class B                       4.63660053
                                     Collateral Inv. Amt.          5.13604498
                                                                -------------
                                     Total (weighted avg.)         4.57707000


      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                       4.50771167
                                     Class B                       4.63660053
                                     Collateral Inv. Amt.          5.13604498
                                                               --------------
                                     Total (weighted avg.)         4.57707000
<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                  $129,254,845.59 
                                     Class B                    11,677,467.02
                                     Collateral Inv. Amt.       14,794,017.72
                                                            -----------------
                                     Total                    $155,726,330.33
                                                            =================
                                                  

     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                   $18,085,840.80
                                     Class B                     1,634,262.72
                                     Collateral Inv. Amt.        2,070,066.12
                                                             ----------------
                                     Total                     $21,790,169.64
                                                             ================


         (b)  Principal Funding Investment Proceeds (to Class A)          N/A
         (c)  Withdrawals from Reserve Account (to Class A)               N/A
                Class A Available Funds                        --------------
                                                               $18,085,840.80
                                                               ==============


      3. Principal Receivables / Investor Percentages
         --------------------------------------------

         (a)  The aggregate amount of Principal Receivables in
              the Trust as of the  last day of the Monthly Period

                                                           $16,965,492,542.30
<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                             7.338%
                                     Class B                             0.663%
                                     Collateral Inv. Amt.                0.840%
                                                           --------------------
                                     Total                               8.841%
           

         (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                                      $312,272,525.64
         (b)  65 - 94 days                                      $170,748,276.22
         (c)  95 - 124 days                                     $142,430,236.99
         (d)  125 - 154 days                                    $110,281,956.57
         (e)  155 - 184 days                                     $91,316,462.22
         (f)  185 or more days                                   $78,177,309.74
                                                           --------------------
                                     Total                      $905,226,767.38
                                                           ====================
<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              $5,111,009.30
                                     Class B                 461,838.19
                                     Collateral Inv. Amt.    584,995.04
                                                       -----------------     
                                     Total               $6,157,842.53
                                                       =================

      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            12.51%

 
     12. The Base Rate
         -------------
         
          The Base Rate for the related Monthly Period                  7.68%






  C.  Information Regarding the Principal Funding Account
      ---------------------------------------------------

      1. Accumulation Period
         -------------------

         (a)  Accumulation Period commencement date                  10/31/99

         (b)  Accumulation Period length (months)                           2

         (c)  Accumulation Period Factor                                10.25

         (d)  Required Accumulation Factor Number                          11

         (e)  Controlled Accumulation Amount                $1,160,113,636.36

         (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          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                 3.99%
<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

                 [LETTER HEAD OF FIRST USA BANK APPEARS HERE] 



                     MONTHLY CERTIFICATEHOLDERS' STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-1
                _______________________________________________

               Monthly Period:                    08/01/96 to
                                                  08/31/96
               Distribution Date:                 09/16/96
               Transfer Date:                     09/13/96

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                          4.96167111
                                    Class B                          5.07722665
                                    CIA Inv. Amt.                    5.61944889
                                                          ----------------------
                                    Total (weighted avg.)            5.03282766

     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                          4.96167111
                                    Class B                          5.07722665
                                    CIA Inv. Amt.                    5.61944889
                                                          ----------------------
                                     Total (weighted avg.)           5.03282766
<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                      $77,863,165.17
                                    Class B                        7,039,635.84
                                    CIA Inv. Amt.                  8,919,686.63
                                                          ----------------------
                                    Total                        $93,822,487.64
                                                          ======================

     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                      $10,896,408.35
                                    Class B                          984,599.46
                                    CIA Inv. Amt.                  1,247,202.90
                                                          ----------------------
                                    Total                        $13,128,210.71
                                                          ======================

          (b)  Principal Funding Investment Proceeds (to 
               Class A)                                                      N/A
          (c)  Withdrawals from Reserve Account (to Class A)                 N/A
                                                          ----------------------
                Class A Available Funds                          $10,896,408.35
                                                          ======================


     3.   Principal Receivables / Investor Percentages
          --------------------------------------------

          (a)  The aggregate amount of Principal Receivables 
               in the Trust as of the  last day of the Monthly 
               Period

                                                             $16,965,492,542.30
<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                              4.421%
                                    Class B                              0.399%
                                    CIA Inv. Amt.                        0.506%
                                                          ----------------------
                                    Total                                5.326%

          (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                                     $312,272,525.64
          (b)  65 - 94 days                                     $170,748,276.22
          (c)  95 - 124 days                                    $142,430,236.99
          (d)  125 - 154 days                                   $110,281,956.57
          (e)  155 - 184 days                                    $91,316,462.22
          (f)  185 or more days                                  $78,177,309.74
                                                          ----------------------
                                    Total                       $905,226,767.38
                                                          ======================
<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                       $3,079,300.18
                                    Class B                          278,245.56
                                    CIA Inv. Amt.                    352,456.70
                                                          ----------------------
                                    Total                         $3,710,002.44
                                                          ======================
                    

     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             12.51%

     12.  The Base Rate
          -------------

          The Base Rate for the related Monthly Period                    7.66%






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                                 5.58

          (d)   Required Accumulation Factor Number                          11

          (e)   Controlled Accumulation Amount                  $380,454,545.45

          (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 1996-1
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               0.00
                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                     4.00%
<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 BANK APPEARS HERE]



                    MONTHLY CERTIFICATEHOLDERS' STATEMENT 

                                FIRST USA BANK

               _______________________________________________ 

              FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-2 
               _______________________________________________ 

               Monthly Period:                 08/01/96 to 
                                               08/31/96 
               Distribution Date:              09/10/96 
               Transfer Date:                  09/09/96

Under Section 5.02 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") by and between First USA Bank
(the "Bank") and The Bank of New York (Delaware), as trustee (the "Trustee") the
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to Certificateholders and the performance of the
First USA Credit Card Master Trust (the "Trust") during the previous month. The
information which is required to be prepared with respect to the Distribution
Date noted above and with respect to the performance of the Trust during the
month noted above is set forth below. Certain information is presented on the
basis of an original principal amount of $1,000 per Series 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                          4.51576722
                                    Class B                          4.63660055
                                    CIA Inv. Amt.                    5.17632271
                                                             -------------------
                                    Total (weighted avg.)            4.58760873

     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                          4.51576722
                                    Class B                          4.63660055
                                    CIA Inv. Amt.                    5.17632271
                                                             -------------------
                                    Total (weighted avg.)            4.58760873
<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                      62,283,206.28
                                     Class B                       5,640,152.33
                                     CIA Inv. Amt.                 7,128,629.78
                                                             -------------------
                                     Total                        75,051,988.39
                                                             ===================

     2.   Allocation of Finance Charge Receivables.
          -----------------------------------------

          (a)  The aggregate amount of Allocations of Finance
               Charge Receivables processed during the Monthly
               Period which were allocated in respect of the
               Certificates

                                     Class A                       8,715,122.94
                                     Class B                         788,718.63
                                     CIA Inv. Amt.                   997,881.58
                                                             -------------------
                                     Total                        10,501,723.15
                                                             ===================

          (b)  Principal Funding Investment Proceeds (to Class A)            N/A
          (c)  Withdrawals from Reserve Account (to Class A)                 N/A
                                                             -------------------
                Class A Available Funds                            8,715,122.94
                                                             ===================


     3.   Principal Receivables / Investor Percentages
          --------------------------------------------
          (a)  The aggregate amount of Principal Receivables 
               in the Trust as of the  last day of the Monthly 
               Period

                                                             $16,965,492,542.30
<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                              3.537%
                                    Class B                              0.320%
                                    CIA Inv. Amt.                        0.405%
                                                             -------------------
                                    Total                                4.262%

          (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                                      312,272,525.64
          (b)  65 - 94 days                                      170,748,276.22
          (c)  95 - 124 days                                     142,430,236.99
          (d)  125 - 154 days                                    110,281,956.57
          (e)  155 - 184 days                                     91,316,462.22
          (f)  185 or more days                                   78,177,309.74
                                                             -------------------
                                    Total                        905,226,767.38
                                                             ===================
<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                        2,462,846.61
                                    Class B                          222,887.62
                                    CIA Inv. Amt.                    281,995.94
                                                             -------------------
                                    Total                          2,967,730.17
                                                             ===================

     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             12.50%

     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                   05/31/02

          (b)  Accumulation Period length (months)                            1

          (c)  Accumulation Period Factor                                 21.27

          (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 e                    0.00
               any transfers on the Related Transfer Date

          (d)  Reserve Draw Amount transferred to the Finance
               Charge Account on the Related Transfer D                    0.00

     2.   Reserve Account Investment Proceeds
          -----------------------------------

          Reserve Account Investment Proceeds transferred to the
          Finance Charge Account on the Related Transfer                    N/A

     3.   Withdrawals from the Reserve Account
          ------------------------------------

          Total Withdrawals from the Reserve Account transferred
          to the Finance Charge Account on the Related Transfer
          Date (1(d) plus 2 above)                                          N/A

     4.   The Portfolio Adjusted Yield
          ----------------------------

          The Portfolio Adjusted Yield for the related Mthly Period       3.98%
<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 BANK APPEARS HERE]




                    MONTHLY  CERTIFICATEHOLDERS'  STATEMENT

                                FIRST USA BANK

                _______________________________________________

               FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-4
                _______________________________________________

               Monthly Period:                    08/06/96 to
                                                  08/31/96
               Distribution Date:                 09/10/96
               Transfer Date:                     09/09/96

  Under Section 5.02 of the Pooling and Servicing Agreement dated as of
  September 1, 1992 (the "Pooling and Servicing Agreement") by and between First
  USA Bank (the "Bank") and The Bank of New York (Delaware), as trustee (the
  "Trustee") the Bank, as Servicer, is required to prepare certain information
  each month regarding current distributions to Certificateholders and the
  performance of the First USA Credit Card Master Trust (the "Trust") during the
  previous month. The information which is required to be prepared with respect
  to the Distribution Date noted above and with respect to the performance of
  the Trust during the month noted above is set forth below. Certain information
  is presented on the basis of an original principal amount of $1,000 per Series
  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                   $5.47498194
                                     Class B                    5.64998185
                                     CIA Inv. Amt.              6.60273755
                                                          -----------------
                                     Total (weighted avg.)     $5.59524546


      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                   $5.47498194
                                     Class B                    5.64998185
                                     CIA Inv. Amt.              6.60273755
                                                          -----------------
                                     Total (weighted avg.)     $5.59524546
<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                $43,482,371.72
                                     Class B                  3,931,118.48
                                     CIA Inv. Amt.            4,981,417.29
                                                          -----------------
                                     Total                  $52,394,907.49
                                                          =================     

      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                 $7,380,613.84
                                     Class B                          0.00
                                     CIA Inv. Amt.                    0.00
                                                          -----------------
                                     Total                   $7,380,613.84
                                                          =================  

         (b)  Principal Funding Investment Proceeds (to Class A)       N/A
         (c)  Withdrawals from Reserve Account (to Class A)            N/A
                                                          -----------------
                Class A Available Funds                      $7,380,613.84
                                                          =================   

         (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 Monthy
              Period                                    $16,965,492,542.30

<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                      2.94700%
                                     Class B                      0.26600%
                                     CIA Inv. Amt.                0.33700%
                                                          -----------------
                                     Total                        3.55000%

         (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                                 $312,272,525.64
         (b)  65 - 94 days                                  170,748,276.22
         (c)  95 - 124 days                                 142,430,236.99
         (d)  125 - 154 days                                110,281,956.57
         (e)  155 - 184 days                                 91,316,462.22
         (f)  185 or more days                               78,177,309.74
                                                          -----------------
                                     Total                 $905,226,767.38
                                                          =================
<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                 $1,969,340.62
                                     Class B                    177,949.62
                                     CIA Inv. Amt.              225,410.73
                                                          -----------------
                                     Total                   $2,372,700.97
                                                          =================

      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                   $534,247.00
                                     Class B                     48,275.00
                                     CIA Inv. Amt.               61,150.00
                                                          -----------------
                                     Total                     $643,672.00
                                                          =================

      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
 
                                                            $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 Period         12.51%

      12. The Base Rate
          ------------- 

          The Base Rate for the related Monthly Period                7.76%





  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                             25.52

          (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                3.93%
         Monthly period
<PAGE>
 
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page


                                FIRST USA BANK
                                as Servicer


                                By:/s/ W. Todd Peterson
                                   -----------------------------------
                                   W. Todd Peterson
                                   Vice President







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