<PAGE>
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest event reported) November 10, 1997
-----------------
FIRST USA BANK
- --------------------------------------------------------------------------------
(Exact name of registrant as specified in its charter)
(As Servicer on behalf of FIRST USA CREDIT CARD MASTER TRUST)
Delaware 33-99362 76-0039224
------------ ------------ -------------
(State or other jurisdiction (Commission File Number) (IRS Employer
of incorporation or Identification Number)
organization)
201 North Walnut Street, Wilmington, Delaware 19801
- --------------------------------------------------------------------------------
(Address of principal executive offices) (Zip Code)
302/594-4117
- -------------------------------------------------------
Registrant's telephone number, including area code
N/A
- --------------------------------------------------------------------------------
(Former name, former address and former fiscal year, if changed since last
report)
<PAGE>
Item 5. Other Events
Pursuant to the terms of the related Series Supplements to the Pooling and
Servicing Agreement dated as of September 1, 1992, (together, the "Agreements")
as amended from time to time, between First USA Bank as transferor (the
"Transferor") and servicer (the "Servicer") and The Bank of New York (Delaware)
as trustee (the "Trustee"), relating to the Asset Backed Certificates listed
below (the "Certificates") issued by First USA Credit Card Master Trust (the
"Trust"), the Trustee made payments relating to the collections for the period
of October 1 through October 31, 1997 (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>
1993-1 500,000,000 - May 1, 1993 Floating yes yes
1993-3 750,000,000 - October 1, 1993 Floating yes no
1994-4 726,450,000 56,550,000 June 1, 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
1996-6 862,650,000 78,000,000 November 13, 1996 Floating yes no
1996-8 400,000,000 36,200,000 December 11, 1996 Floating yes no
1997-1 750,000,000 67,770,000 February 4, 1997 Floating yes no
1997-2 500,000,000 45,180,000 May 8, 1997 Floating yes no
1997-3 500,000,000 45,180,000 June 10, 1997 Floating yes no
1997-4 500,000,000 45,180,000 June 10, 1997 Floating yes no
1997-5 650,000,000 58,735,000 August 7, 1997 Floating yes no
1997-6 1,300,000,000 117,470,000 September 9, 1997 Fixed yes no
1997-7 500,000,000 45,180,000 September 9, 1997 Floating yes no
1997-8 780,000,000 70,482,000 September 23, 1997 Floating yes no
1997-9 500,000,000 45,180,000 October 9, 1997 Floating yes no
</TABLE>
* Interest relating to the collection period is set aside by the Trustee to
fulfill quarterly interest payments on the February, May, August, and
November Payment Dates.
The 1993-1 Certificates, 1993-3 Certificates, 1994-4 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,
1996-4 Certificates, and 1996-6 Certificates, 1996-8 Certificates, 1997-1
Certificates, 1997-2 Certificates, 1997-3 Certificates, 1997-4 Certificates,
1997-5 Certificates, 1997-6 Certificates, 1997-7 Certificates, 1997-8
Certificates, and 1997-9 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,
99.19, 99.20, 99.21, 99.22, 99.23, 99.24, 99.25, and 99.26 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 1993-1 Certificates.
(99.02) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1993-3 Certificates.
(99.03) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-4 Certificates.
(99.04) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-6 Certificates.
(99.05) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-7 Certificates.
(99.06) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-8 Certificates.
(99.07) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-1 Certificates.
(99.08) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-2 Certificates.
(99.09) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-3 Certificates.
(99.10) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-4 Certificates.
(99.11) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-5 Certificates.
(99.12) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-6 Certificates.
(99.13) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-1 Certificates.
(99.14) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-2 Certificates.
(99.15) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-4 Certificates.
<PAGE>
(99.16) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-6 Certificates.
(99.17) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-8 Certificates.
(99.18) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-1 Certificates.
(99.19) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-2 Certificates.
(99.20) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-3 Certificates.
(99.21) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-4 Certificates.
(99.22) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-5 Certificates
(99.23) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-6 Certificates
(99.24) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-7 Certificates.
(99.25) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-8 Certificates.
(99.26) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-9 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/ Tracie H. Klein
------------------------------
Tracie H. Klein
Vice President
Date: November 25, 1997
-----------------
<PAGE>
EXHIBIT 99.01
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-1
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 $86.50156315
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 $3.16822915
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 $83.33333400
<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
-------------------------------------------------
14.48% $72,399,768.10
2. Collection of Finance Charge Receivables.
-----------------------------------------
The aggregate amount of Collections of
Finance Charge Receivables processed during
the Collection Period which were allocated in
respect of the Certificates
Finance Charge Yield $ Amount
-------------------------------------------------
Periodic Finance Charges 16.77% $4,659,257.89
Discount Receivables 2.29% $636,047.56
----- -----------
Total 19.06% $5,295,305.45
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last day
of the Collection Period $24,632,880,582.57
(b) Invested Amount as of the last day of the
Collection Period $291,666,665.00
(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 1.184%
(d) During the amortization Period: The Invested
Amount as of April 30, 1997 (the last day of
the Revolving Period) 500,000,000.00
(e) The Invested Amount set forth in paragraph
3(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 3(a) above (applied with
respect to Principal Receivables during the
Amortization Period) 2.030%
<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 1.56% $395,610,110.19
(b) 65 - 94 days 0.97% $245,807,736.85
(c) 95 - 124 days 0.76% $192,293,935.64
(d) 125 - 154 days 0.61% $155,325,025.75
(e) 155 or more days 0.58% $146,860,892.68
--------------------------------------
Total 4.48% $1,135,897,701.12
======================================
5. Monthly Investor Default Amount.
--------------------------------
The aggregate amount of all defaulted Principal
Receivables written off as uncollectible during
the Collection Period allocable to the Invested
Amount (the "Monthly Investor Default Amount") $1,641,059.98
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Investor
Charge-Offs during the Collection Period $0.00
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment) $0.00
(c) The aggregate amount of Investor Charge-Offs
reimbursed during the Collection Period $0.00
(d) The amounts set forth in paragraph 6(c)
above, per $1,000 original certificate
principal amount (which will have the
effect of increasing, pro rata, the amount
of each Certificateholder's investment) $0.00
7. Investor Servicing Fee.
-----------------------
The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Collection Period $364,583.33
8. Withdrawal from Cash Collateral Amount.
---------------------------------------
The amount to withdrawn from Cash Collateral
Account on the related Distribution date. $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-1
Page 4
9. Cash Collateral Amount.
-----------------------
The Available Cash Collateral Amount as of the
close of business on the related Distribution Date
after giving effect to withdrawals, deposits and
payments to be made with respect to the Collection
Period
Total $40,833,333.10
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 $40,833,333.10
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 $25,833,333.10
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 0.50000000
15. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.16%
16. The Base Rate.
--------------
The Base Rate for the related Monthly period 7.93%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
--------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.02
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1993-3
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 $5.38541667
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 $5.38541667
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
--------------------------------------------------
14.48% $108,622,820.30
2. Collection of Finance Charge Receivables.
-----------------------------------------
The aggregate amount of Collections of Finance
Charge Receivables processed during the
Collection Period which were allocated in respect
of the Certificates
Finance Charge Yield $ Amount
--------------------------------------------------
Periodic Finance Charges 19.06% $11,910,983.81
Discount Receivables 0.00%
-----
Total 19.06% $11,910,983.81
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Collection Period $24,632,880,582.57
(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) 3.045%
(2) The Floating Investor Percentage:
The Invested Amount as a percentage of
the aggregate amount of Principal
Receivables (principal collections) 3.045%
(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 1.56% $395,610,110.19
(b) 65 - 94 days 0.97% $245,807,736.85
(c) 95 - 124 days 0.76% $192,293,935.64
(d) 125 - 154 days 0.61% $155,325,025.75
(e) 155 or more days 0.58% $146,860,892.68
-----------------------------------------
Total 4.48% $1,135,897,701.12
=========================================
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") $3,691,265.82
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Investor Charge-Offs $0.00
during the Collection Period
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the effect
of reducing, pro rata, the amount of each
Certificateholder's investment) $0.00
(c) The aggregate amount of Investor Charge-Offs
reimbursed on the Transfer Date $0.00
(d) The amount set forth in paragraph 6(c) above,
per $1,000 interest (which will have the
effect of increasing, pro rata, the amount
of each Certificateholder's investment) $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 4
7. Investor Servicing Fee.
-----------------------
The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Collection Period $937,500.00
8. Withdrawal from Cash Collateral Account.
----------------------------------------
The amount to be withdrawn from Cash Collateral
Account on the related Distribution date. $0.00
9. Cash Collateral Amount.
-----------------------
The Available Cash Collateral Amount as of the
close of business on the related Distribution Date
after giving effect to withdrawals, deposits and
payments to be made with respect to the Collection
Period
Total $97,500,000.00
The Required Cash Collateral Amount as of the
close of business on the related Distribution Date
after giving effect to withdrawals, deposits and
payments to be made with respect to the Collection
Period
Total $97,500,000.00
10. Funds on Deposit in Cash Collateral Account.
--------------------------------------------
The aggregate amount of funds on deposit in the
Cash Collateral Account pursuant to
Section 2.11(a)(viii) of the Amended Loan
Agreement on such Distribution Date $7,500,000.00
11. Series 1993-3 Guaranty Amount.
------------------------------
(a) The Available Series 1993-3 Guaranty Amount
on such Distribution Date $15,000,000.00
(b) The Required Series 1993-3 Guaranty Amount
on such Distribution Date $15,000,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1993-3
Page 5
12. The Available Series 1993-3 Loan Amount.
----------------------------------------
The Available Series 1993-3 Loan Amount on such
Distribution Date $75,000,000.00
13. The Economic Payout Amount.
---------------------------
The Economic Payout Amount, if any, for such
Distribution Date $0.00
14. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of the
amount of the Investor Interest on the last day of
the Collection Period to the amount of the
Investor Interest as of the Closing Date). The
amount of a Certificateholder's pro rata share of
the Investor Participation Amount can be
determined by multiplying the original
denomination of the holder's Certificate by the
Pool Factor 1.00000000
15. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
16. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.88%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.03
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-4
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
Under Section 5.02 of the Pooling and Servicing Agreement dated as of
September 1, 1992 (the "Pooling and Servicing Agreement") by and between First
USA Bank (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Trust during the Monthly Period referenced above is set forth below. Certain
information is presented on the basis of an original principal amount of $1,000
per Series 1994-4 Certificate (a "Certificate"). Certain other information is
presented based on the aggregate amount for the Trust as a whole. Capitalized
terms used in this Monthly Certificateholders' Statement have their respective
meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $5.49541667
Class B 5.68791667
Collateral Inv. Amt. 5.78875000
---------------------
Total (weighted avg.) $5.53726250
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 $5.49541667
Class B 5.68791667
Collateral Inv. Amt. 5.78875000
---------------------
Total (weighted avg.) $5.53726250
<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 $105,220,109.78
Class B 8,193,501.37
Collateral Inv. Amt. 12,585,395.30
----------------------
Total $125,999,006.45
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
The aggregate amount of Allocations of Finance
Charge Receivables processed during the Monthly
Period which were allocated in respect of the
Certificates
Class A $11,536,670.82
Class B 898,064.20
Collateral Inv. Amt. 1,381,637.22
----------------------
Total $13,816,372.24
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
(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 2.949%
Class B 0.230%
Collateral Inv. Amt. 0.353%
----------------------
Total 3.532%
(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
in the Accounts which were delinquent as of Account
the end of the day on the last day of the Balance
Monthly Period ----------------------
(a) 35 - 64 days $395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $3,575,354.90
Class B 278,321.04
Collateral Inv. Amt. 428,186.22
----------------------
Total $4,281,862.16
======================
(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 $4.92
Class B 4.92
Collateral Inv. Amt. 4.92
----------------------
Total $4.92
======================
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the Related Monthly Period 8.01%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive 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 1994-6
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 $5.47708333
Class B 5.68791675
Collateral Inv. Amt. 5.87812503
--------------------------
Total (weighted avg.) $5.53089097
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 $5.47708333
Class B 5.68791675
Collateral Inv. Amt. 5.87812503
--------------------------
Total (weighted avg.) $5.53089097
<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 $108,622,820.30
Class B 8,447,344.84
Collateral Inv. Amt. 13,020,555.55
----------------------
Total $130,090,720.69
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
The aggregate amount of Allocations of Finance
Charge Receivables processed during the Monthly
Period which were allocated in respect of the
Certificates
Class A $11,911,388.88
Class B 927,182.51
Collateral Inv. Amt. 1,426,507.93
----------------------
Total $14,265,079.32
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
(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 set forth
in paragraph 3(a) above
Class A 3.045%
Class B 0.237%
Collateral Inv. Amt. 0.365%
----------------------
Total 3.647%
(d) During the Amortization Period: The Invested
Amount as of ____________ (the last day of
the Revolving Period)
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
----------------------
Total N.A.
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
3(d) above as a percentage of the
aggregate amount of Principal Receivables
set forth in paragraph 3(a) above
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
----------------------
Total N.A.
4. Delinquent Balances.
--------------------
The aggregate amount of outstanding balances in Aggregate
the Accounts which were delinquent as of the Account
end of the day on the last day of the Monthly Balance
Period ----------------------
(a) 35 - 64 days $395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $3,691,498.17
Class B 287,346.22
Collateral Inv. Amt. 442,093.82
----------------------
Total $4,420,938.21
======================
(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 $4.92
Class B 4.92
Collateral Inv. Amt. 4.92
----------------------
Total $4.92
======================
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.99%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive 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 1994-7
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 $5.32125000
Class B 5.52291666
Collateral Inv. Amt. 5.63012890
----------------------
Total (weighted avg.) $5.36679077
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 $5.32125000
Class B 5.52291666
Collateral Inv. Amt. 5.63012890
----------------------
Total (weighted avg.) $5.36679077
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A $0.00000000
Class B 0.00000000
Collateral Inv. Amt. 0.00000000
----------------------
Total $0.00000000
======================
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of Principal
Receivables processed during the Monthly Period
which were allocated in respect of the
Certificates
Class A $108,622,820.30
Class B 8,519,871.54
Collateral Inv. Amt. 13,755,895.52
----------------------
Total $130,898,587.36
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charges Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $11,913,521.74
Class B 932,987.60
Collateral Inv. Amt. 1,507,139.92
----------------------
Total $14,353,649.26
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $11,913,521.74
----------------------
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<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 3.045%
Class B 0.238%
Collateral Inv. Amt. 0.385%
----------------------
Total 3.668%
(d) During the Amortization Period: The
Invested Amount as of _______ (the
last day of the Revolving Period)
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
----------------------
Total N.A.
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
3(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 3(a) above
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
----------------------
Total N.A.
4. Delinquent Balances.
--------------------
The aggregate amount of outstanding balances
in the Accounts which were delinquent as of
the end of the day on the last day of the
Monthly Period
Aggregate
Account
Balance
----------------------
(a) 35 - 64 days $395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $3,692,163.12
Class B 289,145.60
Collateral Inv. Amt. 467,083.25
----------------------
Total $4,448,391.97
======================
(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 $4.92
Class B 4.92
Collateral Inv. Amt. 4.92
----------------------
Total $4.92
======================
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.82%
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 25.59
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $750,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
<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 any transfers on the Related
Transfer Date $0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred to
the Finance Charge Account on the Related Transfer
Date N/A
3. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related Mthly
Period 3.87%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive 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 1994-8
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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) $15.64055556
Class B (quarterly) 16.18888883
Collateral Inv. Amt. 5.73799029
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) $15.64055556
Class B (quarterly) 16.18888883
Collateral Inv. Amt. 5.73799029
<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 $72,399,768.10
Class B 5,671,184.22
Collateral Inv. Amt. 9,146,421.42
----------------------
Total $87,217,373.74
======================
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 $7,937,945.27
Class B 621,652.25
Collateral Inv. Amt. 1,004,197.71
----------------------
Total $9,563,795.23
======================
(b) Interest Funding Investment Proceeds
(to Class A) 16,442.13
(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 $7,954,387.40
======================
(b) Interest Funding Investment Proceeds
(to Class B) 1,333.15
----------------------
Total Class B F/C and Investment
Proceeds $622,985.40
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
<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 2.030%
Class B 0.159%
Collateral Inv. Amt. 0.257%
----------------------
Total 2.446%
(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 Aggregate
end of the day on the last day of the Monthly Account
Period Balance
----------------------
(a) 35 - 64 days $395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $2,460,020.15
Class B 192,654.02
Collateral Inv. Amt. 311,207.31
----------------------
Total $2,963,881.48
======================
(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 $4.92
Class B 4.92
Collateral Inv. Amt. 4.92
----------------------
Total $4.92
======================
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 13.18%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 8.01%
C. Information Regarding the Interest Funding Account.
---------------------------------------------------
Beginning Balance (Class A) $5,074,861.11
Plus: Interest for Related Monthly Period from
Finance Charge Account 2,745,416.67
Plus: Interest on Interest Funding Account Balance
for Related Monthly Period 16,442.13
Less: Withdrawals to Finance Charge Account 16,442.13
Less: Withdrawals to Distribution Account $7,820,277.78
----------------------
Ending Balance (Class A) $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 7
Beginning Balance (Class B) $411,366.04
Plus: Interest for Related Monthly Period from
Finance Charge Account 222,542.28
Plus: Interest on Interest Funding Account Balance
for Related Monthly Period 1,333.15
Less: Withdrawals to Finance Charge Account 1,333.15
Less: Withdrawals to Distribution Account $633,908.32
----------------------
Ending Balance (Class B) $0.00
D. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 10/31/00
(b) Accumulation Period length 2
(c) Accumulation Period Factor 9.75
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $443,181,818.18
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related Monthly
Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period 0.00
Less: Withdrawals to Finance Charge Account 0.00
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the previous Monthly
Period N/A
----------------------
Accumulation Shortfall for previous Monthly
Period N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 8
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
E. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after
effect of 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 $0.00
3. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.73%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive 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 1995-1
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 Distribution.
-----------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $5.28458333
Class B 5.47708340
Collateral Inv. Amt. 5.66258727
----------------------
Total (weighted avg.) $5.33678308
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 $5.28458333
Class B $5.47708340
Collateral Inv. Amt. $5.66258727
----------------------
Total (weighted avg.) $5.33678308
<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 $144,835,799.65
Class B 11,342,368.39
Collateral Inv. Amt. 18,329,106.18
----------------------
Total $174,507,274.22
======================
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 $15,882,758.08
Class B 1,243,619.96
Collateral Inv. Amt. 2,009,168.90
----------------------
Total $19,135,546.34
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $15,882,758.08
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<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 4.060%
Class B 0.318%
Collateral Inv. Amt. 0.514%
----------------------
Total 4.892%
(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 $395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $4,922,254.90
Class B 385,412.56
Collateral Inv. Amt. 622,665.25
----------------------
Total $5,930,332.71
======================
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.83%
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 11.83
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $1,000,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account
-------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related Monthly
Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-1
Page 7
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date $0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred to
the Finance Charge Account on the Related Transfer
Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related Mthly
Period 3.85%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
---------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.08
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-2
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 $5.37625000
Class B 5.54583327
Collateral Inv. Amt. 5.76998192
----------------------
Total (weighted avg.) $5.42861930
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 $5.37625000
Class B 5.54583327
Collateral Inv. Amt. 5.76998192
----------------------
Total (weighted avg.) $5.42861930
<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 $95,592,191.90
Class B 7,494,424.76
Collateral Inv. Amt. 12,103,898.84
----------------------
Total $115,190,515.50
======================
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 $10,483,690.17
Class B 821,222.40
Collateral Inv. Amt. 1,326,345.65
----------------------
Total $12,631,258.22
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $10,483,690.17
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<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 2.679%
Class B 0.210%
Collateral Inv. Amt. 0.339%
----------------------
Total 3.228%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days $26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $3,249,047.50
Class B 254,508.72
Collateral Inv. Amt. 411,053.74
----------------------
Total $3,914,609.96
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the Class B
Invested Amount and the Collateral Invested
Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 5
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Monthly Period
Class A $825,000.00
Class B 64,625.00
Collateral Inv. Amt. 104,375.00
----------------------
Total $994,000.00
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts or
Investor Charge-Offs for the prior month.
Class B $0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $83,500,000.00
(b) The Required Collateral Invested Amount as
of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $83,500,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 6
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of
the amount of the Investor Interest on the last
day of the Monthly Period to the amount of the
Investor Interest as of the Closing Date). The
amount of a Certificateholder's pro rata share of
the Investor Participation Amount can be
determined by multiplying the original
denomination of the holder's Certificate by the
Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.93%
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 29.08
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $660,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related Monthly
Period from Principal Account N/A
Plus: Interest on Principal Funding Account Balance
for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 7
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the previous Monthly
Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount Percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) 0.00%
(b) Required Reserve Account Amount ($) $0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date $0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.75%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.09
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-3
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 $5.24791666
Class B 5.40375000
Collateral Inv. Amt. 5.71826524
----------------------
Total (weighted avg.) $5.30743243
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 $5.24791666
Class B $5.40375000
Collateral Inv. Amt. $5.71826524
----------------------
Total (weighted avg.) $5.30743243
<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 $120,219,032.19
Class B 9,410,337.76
Collateral Inv. Amt. 15,216,502.54
----------------------
Total $144,845,872.49
======================
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 $13,182,879.72
Class B 1,032,394.20
Collateral Inv. Amt. 1,667,713.70
----------------------
Total $15,882,987.62
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $13,182,879.72
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
<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 3.369%
Class B 0.264%
Collateral Inv. Amt. 0.426%
----------------------
Total 4.059%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days $26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $4,085,448.02
Class B 319,944.72
Collateral Inv. Amt. 516,833.79
----------------------
Total $4,922,226.53
======================
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 1995-3
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.80%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 02/28/98
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 13.21
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $830,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
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 any transfers on the Related
Transfer Date $0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account
on the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.87%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.10
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-4
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 $5.26625000
Class B 5.37624996
Collateral Inv. Amt. 5.77138296
----------------------
Total (weighted avg.) $5.32248837
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 $5.26625000
Class B 5.37624996
Collateral Inv. Amt. 5.77138296
----------------------
Total (weighted avg.) $5.32248837
<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 $108,622,820.30
Class B 9,809,234.65
Collateral Inv. Amt. 12,440,341.89
----------------------
Total $130,872,396.84
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $11,911,090.85
Class B 1,076,286.17
Collateral Inv. Amt. 1,363,343.46
----------------------
Total $14,350,720.48
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $11,911,090.85
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<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 3.045%
Class B 0.275%
Collateral Inv. Amt. 0.348%
----------------------
Total 3.668%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days $26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $3,691,289.16
Class B 333,544.89
Collateral Inv. Amt. 422,504.96
----------------------
Total $4,447,339.01
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 5
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly
Period
Class A $937,500.00
Class B 84,712.50
Collateral Inv. Amt. 107,306.25
----------------------
Total $1,129,518.75
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $85,845,000.00
(b) The Required Collateral Invested Amount as
of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $85,845,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-4
Page 6
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Monthly Period to the amount of
the Investor Interest as of the Closing Date).
The amount of a Certificateholder's pro rata
share of the Investor Participation Amount can be
determined by multiplying the original
denomination of the holder's Certificate by the
Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 8.39%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 07/31/98
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 13.98
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $750,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
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 Period 3.61%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive 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 1995-5
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
Under Section 5.02 of the Pooling and Servicing Agreement dated as of September
1, 1992 (the "Pooling and Servicing Agreement") by and between First USA Bank
(the "Bank") and The Bank of New York (Delaware), as trustee (the "Trustee") the
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to Certificateholders and the performance of the
First USA Credit Card Master Trust (the "Trust") during the previous month. The
information which is required to be prepared with respect to the Distribution
Date noted above and with respect to the performance of the Trust during the
month noted above is set forth below. Certain information is presented on the
basis of an original principal amount of $1,000 per Series 1995-5 Certificate (a
"Certificate"). Certain other information is presented based on the aggregate
amount for the Trust as a whole. Capitalized terms used in this Monthly
Certificateholders' Statement have their respective meanings set forth in the
Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $5.31208334
Class B 5.42208344
Collateral Inv. Amt. 5.87390512
----------------------
Total (weighted avg.) $5.37370726
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 $5.31208334
Class B $5.42208344
Collateral Inv. Amt. $5.87390512
----------------------
Total (weighted avg.) $5.37370726
<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 $72,399,768.10
Class B 6,551,577.55
Collateral Inv. Amt. 8,302,291.44
----------------------
Total $87,253,637.09
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $7,941,247.21
Class B 717,571.10
Collateral Inv. Amt. 908,955.16
----------------------
Total $9,567,773.47
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,941,247.21
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
<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 2.030%
Class B 0.183%
Collateral Inv. Amt. 0.232%
----------------------
Total 2.445%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days $26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $2,461,045.29
Class B 222,380.05
Collateral Inv. Amt. 281,691.24
----------------------
Total $2,965,116.58
======================
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 8.45%
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 38.38
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $500,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
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 any transfers on the Related
Transfer Date $0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred to
the Finance Charge Account on the Related Transfer
Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related Mthly
Period 3.55%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.12
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-6
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/10/97
Transfer Date: 11/07/97
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 4.99013889
Class B 5.12791671
Collateral Inv. Amt. 5.66180554
----------------------
Total (weighted avg.) 5.06428056
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 4.99013889
Class B 5.12791671
Collateral Inv. Amt. 5.66180554
----------------------
Total (weighted avg.) 5.06428056
<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 $180.323.511.89
Class B 16,288,285.51
Collateral Inv. Amt. 20,633,843.25
----------------------
Total $217,245,640.65
======================
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 $19,772,233.14
Class B 1,786,647.57
Collateral Inv. Amt. 2,263,086.93
----------------------
Total $23,821,967.64
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $19,772,233.14
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<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 5.054%
Class B 0.457%
Collateral Inv. Amt. 0.578%
----------------------
Total 6.089%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days $26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $6,127,583.89
Class B 553,697.34
Collateral Inv. Amt. 701,349.96
----------------------
Total $7,382,631.19
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.88%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 10/31/99
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 15.41
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $1,245,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 7
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) $0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.82%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive 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 1996-1
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 5.30291667
Class B 5.42208337
CIA Inv. Amt. 5.98125004
----------------------
Total (weighted avg.) 5.37629687
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 5.30291667
Class B 5.42208337
CIA Inv. Amt. 5.98125004
----------------------
Total (weighted avg.) 5.37629687
<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 $108,622,820.30
Class B 9,809,234.65
CIA Inv. Amt. 12,440,341.89
----------------------
Total $130,872,396.84
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $11,911,090.85
Class B 1,076,286.17
CIA Inv. Amt. 1,363,343.46
----------------------
Total $14,350,720.48
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $11,911,090.85
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<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 3.045%
Class B 0.275%
CIA Inv. Amt. 0.348%
----------------------
Total 3.668%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days $26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $3,691,289.16
Class B 333,544.89
CIA Inv. Amt. 422,504.96
----------------------
Total $4,447,339.01
======================
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
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 Collateral 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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.87%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 02/29/00
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 8.65
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $589,772,727.27
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 7
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) $0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.83%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.14
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-2
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/10/97
Transfer Date: 11/07/97
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 4.99875000
Class B 5.12791676
CIA Inv. Amt. 5.70486114
----------------------
Total (weighted avg.) 5.07554611
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 4.99875000
Class B 5.12791676
CIA Inv. Amt. 5.70486114
----------------------
Total (weighted avg.) 5.07554611
<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 $86,891,003.57
Class B 7,867,131.20
CIA Inv. Amt. 9,954,288.08
----------------------
Total $104,712,422.85
======================
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 $9,528,769.90
Class B 862,353.68
CIA Inv. Amt. 1,091,044.15
----------------------
Total 11,482,167.73
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds 9,528,769.90
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<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 2.436%
Class B 0.220%
CIA Inv. Amt. 0.279%
----------------------
Total 2.935%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<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 $2,953,000.20
Class B 267,246.52
CIA Inv. Amt. 338,118.52
----------------------
Total $3,558,365.24
======================
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.89%
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 31.98
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount 723,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 7
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.81%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.15
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-4
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/10/97
Transfer Date: 11/07/97
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 $5.00736112
Class B 5.16236122
CIA Inv. Amt. 6.00623047
----------------------
Total (weighted avg.) $5.11388026
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 $5.00736112
Class B 5.16236122
CIA Inv. Amt. 6.00623047
----------------------
Total (weighted avg.) $5.11388026
<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 $72,399,768.10
Class B 6,551,577.55
CIA Inv. Amt. 8,302,291.42
----------------------
Total $87,253,637.07
======================
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 $7,941,247.20
Class B 717,571.10
CIA Inv. Amt. 908,955.16
----------------------
Total $9,567,773.46
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,941,247.20
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $717,571.10
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $908,955.16
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
<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 2.03000%
Class B 0.18300%
CIA Inv. Amt. 0.23200%
----------------------
Total 2.44500%
(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 $395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly Period
allocable to the Invested Amount (the
aggregate "Investor Default Amount")
Class A $2,461,045.29
Class B 222,380.05
CIA Inv. Amt. 281,691.24
----------------------
Total $2,965,116.58
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 5
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Monthly Period
Class A $625,000.00
Class B 56,475.00
CIA Inv. Amt. 71,537.50
----------------------
Total $753,012.50
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount as of
the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to
be made in respect of the preceding month $57,230,000.00
(b) The Required CIA Invested Amount as of the
close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $57,230,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 6
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of
the amount of the Investor Interest on the last
day of the Monthly Period to the amount of the
Investor Interest as of the Closing Date). The
amount of a Certificateholder's pro rata share
of the Investor Participation Amount can be
determined by multiplying the original
denomination of the holder's Certificate by the
Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.94%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 07/31/05
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 38.38
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
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 any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred to
the Finance Charge Account on the Related Transfer
Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.76%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive 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 1996-6
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/10/97
Transfer Date: 11/07/97
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 1996-6 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 $4.96430556
Class B 5.14513885
CIA Inv. Amt. 5.66180557
----------------------
Total (weighted avg.) $5.04414308
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 $4.96430556
Class B 5.14513885
CIA Inv. Amt. 5.66180557
----------------------
Total (weighted avg.) $5.04414308
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-6
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
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 $124,937,296.31
Class B 11,306,105.03
CIA Inv. Amt. 14,299,845.82
----------------------
Total $150,543,247.16
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $13,700,635.83
Class B 1,238,798.58
CIA Inv. Amt. 1,568,350.77
----------------------
Total $16,507,785.18
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $13,700,635.83
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $1,238,798.58
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,568,350.77
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-6
Page 3
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $862,650,000.00
Class B 78,000,000.00
CIA Inv. Amt. 98,750,000.00
----------------------
Total $1,039,400,000.00
(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 3.50200%
Class B 0.31700%
CIA Inv. Amt. 0.40100%
----------------------
Total 4.22000%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days $26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-6
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 $4,245,964.65
Class B 383,916.12
CIA Inv. Amt. 486,047.65
----------------------
Total $5,115,928.42
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the 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 1996-6
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
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 $1,078,312.50
Class B 97,500.00
CIA Inv. Amt. 123,437.50
----------------------
Total $1,299,250.00
======================
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 $98,750,000.00
(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 $98,750,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-6
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.86%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 10/31/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 22.24
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $1,039,400,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
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 1996-6
Page 7
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) $0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.84%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.17
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-8
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/10/97
Transfer Date: 11/07/97
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
1996-8 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 Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.94708333
Class B 5.13652790
CIA Inv. Amt. 5.61875000
----------------------
Total (weighted avg.) $5.02513359
2. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Certificates, per $1,000 original
certificate principal amount
Class A $4.94708333
Class B 5.13652790
CIA Inv. Amt. 5.61875000
----------------------
Total (weighted avg.) $5.02513359
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-8
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 $0.00000000
Class B 0.00000000
CIA Inv. Amt. 0.00000000
----------------------
Total $0.00000000
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of Principal
Receivables processed during the Monthly Period
which were allocated in respect of the
Certificates
Class A $53,060,542.11
Class B 5,236,023.95
CIA Inv. Amt. 11,482,167.73
----------------------
Total $69,778,733.79
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $6,349,792.44
Class B 574,656.22
CIA Inv. Amt. 727,051.24
----------------------
Total $7,651,499.90
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $6,349,792.44
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $574,656.22
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $727,051.24
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-8
Page 3
(b) Invested Amount as of the last day of the
preceding month (Adjusted Class A Invested
Amount during Accumulation Period)
Class A $400,000,000.00
Class B 36,200,000.00
CIA Inv. Amt. 45,800,000.00
----------------------
Total $482,000,000.00
(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 1.62400%
Class B 0.14700%
CIA Inv. Amt. 0.18600%
----------------------
Total 1.95700%
(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 $395,610,110.19
(b) 65 - 94 days $245,807,736.85
(c) 95 - 124 days $192,293,935.64
(d) 125 - 154 days $155,325,025.75
(e) 155 - 184 days $120,173,862.34
(f) 185 or more days $26,687,030.34
----------------------
Total $1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-8
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 $1,967,797.66
Class B 178,085.69
CIA Inv. Amt. 225,312.83
----------------------
Total $2,371,196.18
======================
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 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 1996-8
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 $500,000.00
Class B 45,250.00
CIA Inv. Amt. 57,250.00
----------------------
Total $602,500.00
======================
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 $45,800,000.00
(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 $45,800,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-8
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.84%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 12/31/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 47.97
(d) Required Accumulation Factor Number 11
(e) Controlled Accumulation Amount $482,000,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
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 1996-8
Page 7
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for
the Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) $0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date $0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account
on the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.87%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.18
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-1
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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
1997-1 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 4.92986111
Class B 5.11069441
CIA Inv. Amt. 5.57569445
----------------------
Total (weighted avg.) 4.99014006
2. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Certificates, per $1,000 original
certificate principal amount
Class A 4.92986111
Class B 5.11069441
CIA Inv. Amt. 5.57569445
----------------------
Total (weighted avg.) 4.99014006
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-1
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
CIA 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 $108,622,820.30
Class B 9,809,234.65
CIA Inv. Amt. 12,440,341.89
----------------------
Total $130,872,396.84
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $11,911,090.85
Class B 1,076,286.17
CIA Inv. Amt. 1,363,343.46
----------------------
Total 14,350,720.48
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $11,911,090.85
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $1,076,286.17
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,363,343.46
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-1
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 3.045%
Class B 0.275%
CIA Inv. Amt. 0.348%
----------------------
Total 3.668%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-1
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 $3,691,289.16
Class B 333,544.89
CIA Inv. Amt. 422,504.96
----------------------
Total $4,447,339.01
======================
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 1997-1
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 0.00000000
Class B 0.00000000
CIA Inv. Amt. 0.00000000
----------------------
Total 0.00000000
======================
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 1997-1
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 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.81%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 01/31/03
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 25.59
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $903,615,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
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 $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-1
Page 7
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.89%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.19
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-2
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 1997-2 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 $4.95569444
Class B 5.12791678
CIA Inv. Amt. 5.57569439
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 $4.95569444
Class B 5.12791678
CIA Inv. Amt. 5.57569439
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-2
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
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of Principal
Receivables processed during the Monthly Period
which were allocated in respect of the
Certificates
Class A $72,399,768.10
Class B 6,551,577.55
CIA Inv. Amt. 8,302,291.44
----------------------
Total $87,253,637.09
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $7,941,247.21
Class B 717,571.10
CIA Inv. Amt. 908,955.16
----------------------
Total 9,567,773.47
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,941,247.21
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $717,571.10
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $908,955.16
======================
(d) Total Principal Funding Investment
Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-2
Page 3
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $24,632,880,582.57
(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 2.030%
Class B 0.183%
CIA Inv. Amt. 0.232%
----------------------
Total 2.445%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-2
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 $2,461,045.29
Class B 222,380.05
CIA Inv. Amt. 281,691.24
----------------------
Total $2,965,116.58
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA Invested
Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Monthly Period
Class A $625,000.00
Class B 56,475.00
CIA Inv. Amt. 71,537.50
----------------------
Total $753,012.50
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-2
Page 5
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts or
Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount as of
the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month 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
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Monthly Period to the amount
of the Investor Interest as of the Closing
Date). The amount of a Certificateholder's
pro rata share of the Investor Participation
Amount can be determined by multiplying the
original denomination of the holder's
Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.84%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-2
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 03/31/04
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 38.38
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-2
Page 7
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.87%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.20
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-3
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/16/97
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 1997-3 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 4.93847222
Class B 5.09347233
CIA Inv. Amt. 5.48958326
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 4.93847222
Class B 5.09347233
CIA Inv. Amt. 5.48958326
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-3
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
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $72,399,768.10
Class B 6,551,577.55
CIA Inv. Amt. 8,302,291.44
----------------------
Total $87,253,637.09
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $7,941,247.21
Class B 717,571.10
CIA Inv. Amt. 908,955.16
----------------------
Total 9,567,773.47
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,941,247.21
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $717,571.10
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $908,955.16
======================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-3
Page 3
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
(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 2.030%
Class B 0.183%
CIA Inv. Amt. 0.232%
----------------------
Total 2.445%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-3
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 $2,461,045.29
Class B 222,380.05
CIA Inv. Amt. 281,691.24
----------------------
Total $2,965,116.58
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the Class
B Invested Amount and the CIA Invested
Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly
Period
Class A $625,000.00
Class B 56,475.00
CIA Inv. Amt. 71,537.50
----------------------
Total $753,012.50
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-3
Page 5
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount
as of the close of business on the
related Distribution Date after giving
effect to withdrawals, deposits and
payments to be made in respect of the
preceding month 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
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Monthly Period to the amount
of the Investor Interest as of the Closing
Date). The amount of a Certificateholder's
pro rata share of the Investor Participation
Amount can be determined by multiplying the
original denomination of the holder's
Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.81%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-3
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 04/30/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 38.38
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-3
Page 7
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.89%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.21
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-4
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/16/97
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 1997-4 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 5.02458334
Class B 5.19680567
CIA Inv. Amt. 5.70486109
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 5.02458334
Class B 5.19680567
CIA Inv. Amt. 5.70486109
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-4
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
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $72,399,768.10
Class B 6,551,577.55
CIA Inv. Amt. 8,302,291.44
----------------------
Total $87,253,637.09
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $7,941,247.21
Class B 717,571.10
CIA Inv. Amt. 908,955.16
----------------------
Total 9,567,773.47
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,941,247.21
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $717,571.10
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $908,955.16
======================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-4
Page 3
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
(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 2.030%
Class B 0.183%
CIA Inv. Amt. 0.232%
----------------------
Total 2.445%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-4
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 $2,461,045.29
Class B 222,380.05
CIA Inv. Amt. 281,691.24
----------------------
Total $2,965,116.58
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the Class B
Invested Amount and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly
Period
Class A $625,000.00
Class B 56,475.00
CIA Inv. Amt. 71,537.50
----------------------
Total $753,012.50
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-4
Page 5
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount
as of the close of business on the
related Distribution Date after giving
effect to withdrawals, deposits and
payments to be made in respect of the
preceding month 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
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Monthly Period to the amount
of the Investor Interest as of the Closing
Date). The amount of a Certificateholder's
pro rata share of the Investor Participation
Amount can be determined by multiplying the
original denomination of the holder's
Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.93%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-4
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 04/30/07
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 38.38
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-4
Page 7
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.78%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.22
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-5
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/16/97
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 1997-5 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 4.96430555
Class B 5.12791674
CIA Inv. Amt. 5.83333329
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 4.96430555
Class B 5.12791674
CIA Inv. Amt. 5.83333329
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-5
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
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $94,131,584.88
Class B 8,519,871.54
CIA Inv. Amt. 10,788,345.24
----------------------
Total $113,439,801.66
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $10,324,614.99
Class B 932,948.10
CIA Inv. Amt. 1,181,691.90
----------------------
Total 12,439,254.99
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $10,324,614.99
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $932,948.10
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,181,691.90
======================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-5
Page 3
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A 650,000,000.00
Class B 58,735,000.00
CIA Inv. Amt. 74,395,000.00
----------------------
Total 783,130,000.00
(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 2.639%
Class B 0.238%
CIA Inv. Amt. 0.302%
----------------------
Total 3.179%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-5
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 $3,199,779.28
Class B 289,136.98
CIA Inv. Amt. 366,227.05
----------------------
Total $3,855,143.31
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the Class B
Invested Amount and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly
Period
Class A $812,500.00
Class B 73,418.75
CIA Inv. Amt. 92,993.75
----------------------
Total $978,912.50
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-5
Page 5
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount
as of the close of business on the
related Distribution Date after giving
effect to withdrawals, deposits and
payments to be made in respect of the
preceding month 74,395,000.00
(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 74,395,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Monthly Period to the amount
of the Investor Interest as of the Closing
Date). The amount of a Certificateholder's
pro rata share of the Investor Participation
Amount can be determined by multiplying the
original denomination of the holder's
Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.90%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-5
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 07/31/03
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 29.52
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $783,130,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-5
Page 7
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.81%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.23
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-6
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/16/97
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 1997-6 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 5.35000000
Class B 5.48333336
CIA Inv. Amt. 5.95000000
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 5.35000000
Class B 5.48333336
CIA Inv. Amt. 5.95000000
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-6
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 0.00
Class B 0.00
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $188,263,169.74
Class B 17,013,552.60
CIA Inv. Amt. 21,550,499.96
----------------------
Total $226,827,222.30
======================
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 $20,644,368.27
Class B 1,865,456.88
CIA Inv. Amt. 2,362,827.35
----------------------
Total 24,872,652.50
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
(d) Class A Net Swap Receipt 622,158.33
----------------------
Class A Available Funds $21,266,526.60
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
(d) Class B Net Swap Receipt 55,984.25
----------------------
Class B Available Funds $1,921,441.13
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
(d) CIA Net Swap Receipt 70,737.25
---------------------
CIA Available Funds $2,433,564.60
=====================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-6
Page 3
3. Principal Receivables / Investor Percentages.
---------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A 1,300,000,000.00
Class B 117,470,000.00
CIA Inv. Amt. 148,790,000.00
----------------------
Total 1,566,260,000.00
(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 5.277%
Class B 0.477%
CIA Inv. Amt. 0.604%
----------------------
Total 6.358%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-6
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 $6,397,893.27
Class B 578,123.48
CIA Inv. Amt. 732,263.49
---------------------
Total $7,708,280.24
=====================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
---------------------
Total $0.00
=====================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
---------------------
Total $0.00
=====================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly Period
Class A $1,625,000.00
Class B 146,837.50
CIA Inv. Amt. 185,987.50
---------------------
Total $1,957,825.00
=====================
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
=====================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-6
Page 5
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 148,790,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of
the amount of the Investor Interest on the last
day of the Monthly Period to the amount of the
Investor Interest as of the Closing Date). The
amount of a Certificateholder's pro rata share
of the Investor Participation Amount can be
determined by multiplying the original denomination
of the holder's Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related
Monthly Period 13.72%
12. The Base Rate.
--------------
The Base Rate for the related
Monthly Period 8.50%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 06/30/01
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 14.76
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $1,566,260,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
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 $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-6
Page 6
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
---------------------
Accumulation Shortfall N/A
=====================
Aggregate Accumulation Shortfalls N/A
=====================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
---------------------
Principal Funding Investment Shortfall N/A
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after 0.00
effect of any transfers on the Related
Transfer Date
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.84%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-6
Page 7
E. Information Regarding the Interest Rate Swaps
---------------------------------------------
1. Class A Interest Rate Swap
(a) Class A Net Swap Payment due on the related 0.00
Transfer Date
(b) Overdue Class A Net Swap Payment 0.00
(c) Class A Net Swap Receipt due on the related 622,158.33
Transfer Date
(d) Overdue Class A Net Swap Receipt 0.00
2. Class B Interest Rate Swap
(a) Class B Net Swap Payment due on the related 0.00
Transfer Date
(b) Overdue Class B Net Swap Payment 0.00
(c) Class B Net Swap Receipt due on the related 55,984.25
Transfer Date
(d) Overdue Class B Net Swap Receipt 0.00
3. CIA Interest Rate Swap
(a) CIA Net Swap Payment due on the related 0.00
Transfer Date
(b) Overdue CIA Net Swap Payment 0.00
(c) CIA Net Swap Receipt due on the related 70,737.25
Transfer Date
(d) Overdue CIA Net Swap Receipt 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
--------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.24
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-7
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/16/97
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
1997-7 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 4.92813888
Class B 5.10208344
CIA Inv. Amt. 5.61874996
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 4.92813888
Class B 5.10208344
CIA Inv. Amt. 5.61874996
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-7
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on the
Certificates, per $1,000 original certificate
principal amount
Class A 0.00
Class B 0.00
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of Principal
Receivables processed during the Monthly Period
which were allocated in respect of the Certificates
Class A $72,399,768.10
Class B 6,551,577.55
CIA Inv. Amt. 8,302,291.44
----------------------
Total $87,253,637.09
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $7,941.247.21
Class B 717,571.10
CIA Inv. Amt. 908,955.16
----------------------
Total $9,567,773.47
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,941,247.21
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $717,571.10
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $908,955.16
======================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-7
Page 3
3. Principal Receivables/Investor Percentages.
---------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last day
of the Monthly Period $24,632,880,582.57
(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 2.030%
Class B 0.183%
CIA Inv. Amt. 0.232%
----------------------
Total 2.445%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-7
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 $2,461,045.29
Class B 222,380.05
CIA Inv. Amt. 281,691.24
----------------------
Total $2,965,116.58
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust to
the Servicer for the Monthly Period
Class A $625,000.00
Class B 56,475.00
CIA Inv. Amt. 71,537.50
----------------------
Total $753,012.50
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-7
Page 5
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month 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
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of
the amount of the Investor Interest on the last
day of the Monthly Period to the amount of the
Investor Interest as of the Closing Date). The
amount of a Certificateholder's pro rata share
of the Investor Participation Amount can be
determined by multiplying the original
denomination of the holder's Certificate by the
Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.81%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-7
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 08/31/03
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 38.38
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related Monthly
Period from Principal Account 0.00
Plus: Interest on Principal Funding Account Balance
for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous
Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-7
Page 7
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.89%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
Exhibit 99.25
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-8
-----------------------------------------------
Monthly Period: 10/01/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/16/97
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
1997-8 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 Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A 4.97291667
Class B 5.15375004
CIA Inv. Amt. 5.70486111
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 4.97291667
Class B 5.15375004
CIA Inv. Amt. 5.70486111
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-8
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 0.00
Class B 0.00
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of Principal
Receivables processed during the Monthly Period
which were allocated in respect of the
Certificates
Class A $112,968,378.03
Class B 10,208,131.54
CIA Inv. Amt. 12,921,838.34
----------------------
Total $136,098,347.91
======================
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 $12,386,742.45
Class B 1,119,285.10
CIA Inv. Amt. 1,417,773.84
----------------------
Total 14,923,801.39
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $12,386,742.45
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $1,119,285.10
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,417,773.84
======================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-8
Page 3
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
(b) Invested Amount as of the last day of the
preceding month (Adjusted Class A Invested
Amount during Accumulation Period)
Class A 780,000,000.00
Class B 70,482,000.00
CIA Inv. Amt. 89,278,000.00
----------------------
Total 939,760,000.00
(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 3.166%
Class B 0.286%
CIA Inv. Amt. 0.362%
----------------------
Total 3.814%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-8
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 $3,838,733.32
Class B 346,873.85
CIA Inv. Amt. 439,377.48
----------------------
Total $4,624,984.65
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA Invested
Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Monthly Period
Class A $975,000.00
Class B 88,102.50
CIA Inv. Amt. 111,597.50
----------------------
Total $1,174,700.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-8
Page 5
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts or
Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount as of
the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month
89,278,000.00
(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
89,278,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of the
amount of the Investor Interest on the last day of
the Monthly Period to the amount of the Investor
Interest as of the Closing Date). The amount of a
Certificateholder's pro rata share of the Investor
Participation Amount can be determined by
multiplying the original denomination of the
holder's Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.87%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-8
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 08/31/06
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 24.60
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $939,760,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related Monthly
Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for the
previous Monthly Period N/A
Less: The amount deposited into the Principal
Funding Account for the Previous Monthly
Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-8
Page 7
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount percentage
(0.5% of Class A Invested Amount or other
amount designated by Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.83%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
<PAGE>
EXHIBIT 99.26
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-9
-----------------------------------------------
Monthly Period: 10/09/97 to
10/31/97
Distribution Date: 11/17/97
Transfer Date: 11/14/97
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 1997-9 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 6.15875000
Class B 6.45125011
CIA Inv. Amt. 7.12291665
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 6.15875000
Class B 6.45125011
CIA Inv. Amt. 7.12291665
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-9
Page 2
3. The amount of the distribution set forth in
paragraph 1 above in respect of principal on
the Certificates, per $1,000 original
certificate principal amount
Class A 0.00
Class B 0.00
CIA Inv. Amt. 0.00
B. Information Regarding the Performance of the Trust.
---------------------------------------------------
1. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $51,831,028.88
Class B 4,688,102.16
CIA Inv. Amt. 5,945,246.88
----------------------
Total $62,464,377.92
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $6,669,070.90
Class B 602,617.25
CIA Inv. Amt. 763,341.86
----------------------
Total 8,035,030.01
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $6,669,070.90
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $602,617.25
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $763,341.86
======================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-9
Page 3
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $24,632,880,582.57
(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 2.030%
Class B 0.183%
CIA Inv. Amt. 0.232%
----------------------
Total 2.445%
(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 395,610,110.19
(b) 65 - 94 days 245,807,736.85
(c) 95 - 124 days 192,293,935.64
(d) 125 - 154 days 155,325,025.75
(e) 155 - 184 days 120,173,862.34
(f) 185 or more days 26,687,030.34
----------------------
Total 1,135,897,701.12
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-9
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 $1,938,144.82
Class B 175,130.77
CIA Inv. Amt. 221,840.06
----------------------
Total $2,335,115.65
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly
Period
Class A $472,603.00
Class B 42,704.00
CIA Inv. Amt. 54,094.00
----------------------
Total $569,401.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-9
Page 5
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount
as of the close of business on the
related Distribution Date after giving
effect to withdrawals, deposits and
payments to be made in respect of the
preceding month 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
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Monthly Period to the amount
of the Investor Interest as of the Closing
Date). The amount of a Certificateholder's
pro rata share of the Investor Participation
Amount can be determined by multiplying the
original denomination of the holder's
Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 13.15%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.79%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-9
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 09/30/03
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 38.38
(d) Required Accumulation Factor Number 11.00
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 9.84%
2. Principal Funding Account.
--------------------------
Beginning Balance $0.00
Plus: Principal Collections for Related
Monthly Period from Principal Account 0.00
Plus: Interest on Principal Funding Account
Balance for Related Monthly Period N/A
Less: Withdrawals to Finance Charge Account N/A
Less: Withdrawals to Distribution Account 0.00
----------------------
Ending Balance $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-9
Page 7
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
----------------------------------
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated
by Transferor) 0.00
(b) Required Reserve Account Amount ($) 0.00
(c) Required Reserve Account Balance after
effect of any transfers on the Related
Transfer Date 0.00
(d) Reserve Draw Amount transferred to the
Finance Charge Account on the Related
Transfer Date 0.00
2. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
3. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (1(d) plus 2 above) N/A
4. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Mthly Period 3.91%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
FIRST USA BANK
as Servicer
By: /s/ Peter W. Atwater
-------------------------------------
Peter W. Atwater
Executive Vice President
