<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) October 12, 1999
----------------
FIRST USA BANK, NATIONAL ASSOCIATION
- --------------------------------------------------------------------------------
(Exact name of registrant as specified in its charter)
(As Servicer on behalf of FIRST USA CREDIT CARD MASTER TRUST)
Laws of the United States 33-99362 51-0269396
------------------------- -------- ----------
(State or other jurisdiction (Commission File (IRS Employer
of incorporation or organization) Number) Identification Number)
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 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, National Association 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 September 1 through September 30, 1999 (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 Interest Principal
Series (Class A) (Class B) Date Type Payment
- ------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C>
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
1995-2 660,000,000 51,700,000 March 1, 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
1997-10 700,000,000 63,253,000 December 23, 1997 Floating yes no
1998-1 700,000,000 63,253,000 May 21, 1998 Floating yes no
1998-3 800,000,000 72,289,000 June 25, 1998 Floating yes no
1998-4 700,000,000 63,253,000 July 22, 1998 Floating yes no
1998-5 650,000,000 58,735,000 August 27, 1998 Floating yes no
1998-6 800,000,000 72,289,000 August 27, 1998 Floating yes no
1998-7 750,000,000 67,770,000 September 17, 1998 Floating yes no
1998-8 500,000,000 45,180,000 September 17, 1998 Floating yes no
1998-9 650,000,000 44,828,000 December 22, 1998 Fixed yes no
1999-1 1,000,000,000 90,361,000 February 24, 1999 Floating yes no
1999-2 500,000,000 45,180,000 February 24, 1999 Floating yes no
1999-3 700,000,000 54,167,000 May 4, 1999 Floating yes no
1999-4 500,000,000 38,691,000 May 26, 1999 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 1994-4 Certificates, 1994-6 Certificates, 1994-7 Certificates, 1994-8
Certificates, 1995-2 Certificates, 1995-5 Certificates, 1995-6 Certificates,
1996-1 Certificates, 1996-2 Certificates, 1996-4 Certificates, 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, 1997-9 Certificates,
1997-10 Certificates, 1998-1 Certificates, 1998-3 Certificates, 1998-4
Certificates, 1998-5 Certificates, 1998-6 Certificates, 1998-7 Certificates,
1998-8 Certificates, 1998-9 Certificates, 1999-1 Certificates, 1999-2
Certificates, 1999-3 Certificates, and 1999-4 Certificates (collectively the
"Certificates") represent beneficial ownership of a portion (the "Investor
Interest") of certain receivables (the "Receivables") arising in certain credit
card accounts (the "Accounts"). Reference is made to the Monthly
Certificateholders' Statements of the Trust, filed as Exhibits 99.01, 99.02,
99.03, 99.04, 99.05, 99.06, 99.07, 99.08, 99.09, 99.10, 99.11, 99.12, 99.13,
99.14, 99.15, 99.16, 99.17, 99.18, 99.19, 99.20, 99.21, 99.22, 99.23, 99.24,
99.25, 99.26, 99.27, 99.28, 99.29, 99.30, 99.31, 99.32, 99.33, and 99.34 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 1994-4 Certificates.
(99.02) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-6 Certificates.
(99.03) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-7 Certificates.
(99.04) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1994-8 Certificates.
(99.05) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-2 Certificates.
(99.06) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-5 Certificates.
(99.07) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1995-6 Certificates.
(99.08) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-1 Certificates.
(99.09) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-2 Certificates.
(99.10) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-4 Certificates.
(99.11) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-6 Certificates.
(99.12) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1996-8 Certificates.
(99.13) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-1 Certificates.
(99.14) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-2 Certificates.
(99.15) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-3 Certificates.
<PAGE>
(99.16) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-4 Certificates.
(99.17) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-5 Certificates.
(99.18) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-6 Certificates.
(99.19) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-7 Certificates.
(99.20) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-8 Certificates.
(99.21) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-9 Certificates.
(99.22) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1997-10 Certificates.
(99.23) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1998-1 Certificates.
(99.24) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1998-3 Certificates.
(99.25) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1998-4 Certificates.
(99.26) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1998-5 Certificates.
(99.27) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1998-6 Certificates.
(99.28) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1998-7 Certificates.
(99.29) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1998-8 Certificates.
(99.30) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1998-9 Certificates.
(99.31) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1999-1 Certificates.
(99.32) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1999-2 Certificates.
<PAGE>
(99.33) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1999-3 Certificates.
(99.34) Monthly Certificateholders' Statement of the Trust which contains
information relating to the Series 1999-4 Certificates.
<PAGE>
SIGNATURE
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, NATIONAL ASSOCIATION
As Servicer
By: /s/ Tracie H. Klein
-------------------------------------
Name: Tracie H. Klein
Title: First Vice President
Date: October 19, 1999
----------------
<PAGE>
EXHIBIT 99.01
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-4
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/15/99
Transfer Date: 10/14/99
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,
N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Trust during the Monthly Period referenced above is set forth below.
Certain information is presented on the basis of an original principal amount of
$1,000 per Series 1994-4 Certificate (a "Certificate"). Certain other
information is presented based on the aggregate amount for the Trust as a whole.
Capitalized terms used in this Monthly Certificateholders' Statement have their
respective meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution
to Certificateholders on the Distribution Date
per $1,000 original certificate principal amount
Class A $4.78750000
Class B 4.96250000
Collateral Inv. Amt. 5.14583333
-------------------
Total (weighted avg.) $4.83470833
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 $4.78750000
Class B 4.96250000
Collateral Inv. Amt. 5.14583333
-------------------
Total (weighted avg.) $4.83470833
<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 $102,810,304.53
Class B 8,015,634.47
Collateral Inv. Amt. 12,318,142.57
-------------------
Total $123,144,081.57
===================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $10,236,059.99
Class B 796,819.04
Collateral Inv. Amt. 1,225,875.45
-------------------
Total $12,258,754.48
===================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last day
of the Monthly Period $36,838,525,663.71
(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 1.972%
Class B 0.154%
Collateral Inv. Amt. 0.236%
------------------
Total 2.362%
(d) During the Amortization Period: The Invested
Amount as of _______ (the last day of the
Revolving Period)
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
------------------
Total N.A.
(e) The Fixed/Floating Allocation Percentage: The
Invested Amount set forth in paragraph 3(d)
above as a percentage of the aggregate amount
of Principal Receivables set forth in paragraph
3(a) above
Class A N.A.
Class B N.A.
Collateral Inv. Amt. N.A.
------------------
Total N.A.
4. Delinquent Balances.
--------------------
The aggregate amount of outstanding balances in Aggregate
the Accounts which were delinquent as of the end Account
of the day on the last day of the Monthly Period Balance
-------------------
(a) 35 - 64 days $535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
-------------------
Total $1,571,660,839.77
===================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted Principal
Receivables written off as uncollectible during
the Monthly Period allocable to the Invested
Amount (the aggregate "Investor Default Amount")
Class A $2,782,440.81
Class B 216,597.19
Collateral Inv. Amt. 333,226.44
------------------
Total $3,332,264.44
==================
(b) The amount set forth in paragraph 5(a) above
in respect of the Monthly Investor Default
Amount, per original $1,000 interest
Class A $3.83
Class B 3.83
Collateral Inv. Amt. 3.83
------------------
Total $3.83
==================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the Class B
Invested Amount and the Collateral Invested
Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
------------------
Total $0.00
==================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
------------------
Total $0.00
==================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 5
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
------------------
Total $0.00
==================
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will have
the effect of increasing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
------------------
Total $0.00
==================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Monthly Period
Class A $908,062.50
Class B 70,687.50
Remaining Servicing Fee 108,750.00
------------------
Total $1,087,500.00
==================
(b) The amount set forth in paragraph 7(a) above,
per $1,000 interest
Class A 1.25000000
Class B 1.25000000
Remaining Servicing Fee 1.25000000
------------------
Total 1.25000000
==================
8. Reallocated Principal Collections
---------------------------------
The amount of Reallocated Collateral and
Class B Principal Collections applied in respect
of Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B $0.00
Collateral Inv. Amt. 0.00
------------------
Total $0.00
==================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-4
Page 6
9. Collateral Invested Amount
--------------------------
(a) The amount of the Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be made
in respect of the preceding month
$87,000,000.00
(b) The Required Collateral Invested Amount as of
the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be made
in respect of the preceding month
$87,000,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of the
amount of the Investor Interest on the last day of
the Monthly Period to the amount of the Investor
Interest as of the Closing Date). The amount of a
Certificateholder's pro rata share of the Investor
Participation Amount can be determined by multiplying
the original denomination of the holder's Certificate
by the Pool Factor
Class A 1.00000000
Class B 1.00000000
------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the Related Monthly Period 12.31%
12. The Base Rate.
--------------
The Base Rate for the Related Monthly Period 7.76%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
--------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.02
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-6
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/15/99
Transfer Date: 10/14/99
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,
N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1994-6 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date
per $1,000 original certificate principal amount
Class A $4.77083333
Class B 4.96250000
Collateral Inv. Amt. 5.20833333
-----------------
Total (weighted avg.) $4.82704103
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 $4.77083333
Class B 4.96250000
Collateral Inv. Amt. 5.20833333
-----------------
Total (weighted avg.) $4.82704103
<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 $106,158,994.04
Class B 8,275,946.54
Collateral Inv. Amt. 12,699,274.64
-----------------
Total $127,134,215.22
=================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
The aggregate amount of Allocations of Finance
Charge Receivables processed during the Monthly
Period which were allocated in respect
of the Certificates
Class A $10,567,791.04
Class B 822,596.85
Collateral Inv. Amt. 1,265,598.65
-----------------
Total $12,655,986.54
=================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(b) Invested Amount as of the last day
of the Monthly Period
Class A $750,000,000.00
Class B 58,380,000.00
Collateral Inv. Amt. 89,820,000.00
-----------------
Total $898,200,000.00
=================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 3
(c) The Floating Allocation Percentage: The
Invested Amount set forth in paragraph
3(b) above as a percentage of the aggregate
amount of Principal Receivables as of the
Record Date set forth in paragraph 3(a) above
Class A 2.036%
Class B 0.158%
Collateral Inv. Amt. 0.244%
-----------------
Total 2.438%
(d) During the Amortization Period: The Invested
Amount as of ___________ (the last day of the
Revolving Period)
Class A N/A
Class B N/A
Collateral Inv. Amt. N/A
-----------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph 3(d)
above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 3(a) above
Class A N/A
Class B N/A
Collateral Inv. Amt. N/A
-----------------
Total N/A
4. Delinquent Balances.
--------------------
The aggregate amount of outstanding balances in Aggregate
the Accounts which were delinquent as of the end Account
of the day on the last day of the Monthly Period Balance
-----------------
(a) 35 - 64 days $535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
-----------------
Total $1,571,660,839.77
=================
<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 $2,872,661.56
Class B 223,607.98
Collateral Inv. Amt. 344,029.95
-----------------
Total $3,440,299.49
=================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per original $1,000 interest
Class A $3.83
Class B 3.83
Collateral Inv. Amt. 3.83
-----------------
Total $3.83
=================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the Class B
Invested Amount and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
-----------------
Total $0.00
=================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the effect
of reducing, pro rata, the amount of each
Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
-----------------
Total $0.00
=================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 5
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
-----------------
Total $0.00
=================
(d) The amount set forth in paragraph 6(c) above,
per $1,000 interest (which will have the
effect of increasing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
-----------------
Total $0.00
=================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing Fee
payable by the Trust to the Servicer for the
Monthly Period
Class A $937,500.00
Class B $72,975.00
Remaining Servicing Fee $112,275.00
-----------------
Total $1,122,750.00
=================
(b) The amount set forth in paragraph 7(a) above,
per $1,000 interest
Class A $1.25000000
Class B 1.25000000
Remaining Servicing Fee 1.25000000
-----------------
Total $1.25000000
=================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of Interest
Shortfalls, Investor Default Amounts or Investor
Charge-Offs for the prior month
Class B $0.00
Collateral Inv. Amt. 0.00
-----------------
Total $0.00
=================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-6
Page 6
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested Amount as of the
close of business on the related Distribution Date
after giving effect to withdrawals, deposits and
payments to be made in respect of the preceding
month
$89,820,000.00
(b) The Required Collateral Invested Amount as of the
close of business on the related Distribution Date
after giving effect to withdrawals, deposits and
payments to be made in respect of the preceding
month
$89,820,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of the
amount of the Investor Interest on the last day of
the Monthly Period to the amount of the Investor Interest
as of the Closing Date). The amount of a Certificateholder's
pro rata share of the Investor Participation Amount can be
determined by multiplying the original denomination of the
holder's Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
-----------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.74%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.03
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-7
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/15/99
Transfer Date: 10/14/99
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,
N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1994-7 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.62916667
Class B 4.81250004
Collateral Inv. Amt. 4.93750000
---------------------
Total (weighted avg.) $4.67345849
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 $4.62916667
Class B 4.81250004
Collateral Inv. Amt. 4.93750000
---------------------
Total (weighted avg.) $4.67345849
<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 $106,158,994.04
Class B 8,292,641.69
Collateral Inv. Amt. 13,428,148.40
----------------------
Total $127,879,784.13
======================
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 $10,566,114.12
Class B 827,467.62
Collateral Inv. Amt. 1,336,683.88
----------------------
Total $12,730,265.62
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $10,566,114.12
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $36,838,525,663.71
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 3
(b) Invested Amount as of the last day of
the preceeding 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 2.036%
Class B 0.159%
Collateral Inv. Amt. 0.258%
----------------------
Total 2.453%
(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 $535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total $1,571,660,839.77
======================
<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 $2,872,308.76
Class B 224,940.07
Collateral Inv. Amt. 363,366.21
----------------------
Total $3,460,615.04
======================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per original $1,000 interest
Class A $3.83
Class B 3.83
Collateral Inv. Amt. 3.83
----------------------
Total $3.83
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 5
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly
Period
Class A $937,500.00
Class B 73,418.75
Collateral Inv. Amt. 118,600.00
----------------------
Total $1,129,518.75
======================
(b) The amount set forth in paragraph 7(a)
above, per $1,000 interest
Class A $1.25000000
Class B 1.25000000
Collateral Inv. Amt. 1.25000000
----------------------
Total $1.25000000
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month.
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-7
Page 6
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested Amount
as of the close of business on the
related Distribution Date after giving
effect to withdrawals, deposits and
payments to be made in respect of the
preceding month $94,880,000.00
(b) The Required Collateral Invested Amount as
of the close of business on the related
Distribution Date after giving effect
to withdrawals, deposits and payments
to be made in respect of the preceding
month $94,880,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest
on the last day of the Monthly Period to the
amount of the Investor Interest as
of the Closing Date). The amount of a
Certificateholder's pro rata share of the Investor
Participation Amount can be determined by
multiplying the original denomination of the
holder's Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.57%
C. Information Regarding the Principal Funding Account
---------------------------------------------------
1. Accumulation Period
-------------------
(a) Accumulation Period commencement date 09/30/99
(b) Accumulation Period Length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $750,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<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 5.63%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.04
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1994-8
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/15/99
Transfer Date: 10/14/99
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, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1994-8 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Distribution.
-----------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date
per $1,000 original certificate
principal amount
Class A (quarterly) $0.00000000
Class B (quarterly) 0.00000000
Collateral Inv. Amt. 5.04583340
2. The amount of the distribution set forth in
paragraph 1 above in respect of interest on
the Certificates, per $1,000 original
certificate principal amount
Class A (quarterly) $0.00000000
Class B (quarterly) $0.00000000
Collateral Inv. Amt. 5.04583340
<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 $70,766,438.65
Class B 5,552,005.98
Collateral Inv. Amt. 8,969,453.05
----------------------
Total $85,287,897.68
======================
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 $7,046,942.73
Class B 551,874.27
Collateral Inv. Amt. 891,480.54
----------------------
Total $8,490,297.54
======================
(b) Interest Funding Investment Proceeds
(to Class A) 4,778.37
(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 $7,051,721.10
======================
(b) Interest Funding Investment Proceeds
(to Class B) 387.44
----------------------
Total Class B F/C and Investment
Proceeds $552,261.71
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $36,838,525,663.71
<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 1.357%
Class B 0.106%
Collateral Inv. Amt. 0.172%
----------------------
Total 1.635%
(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 $535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total $1,571,660,839.77
======================
<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 $1,915,695.34
Class B $150,025.76
Collateral Inv. Amt. $242,346.95
----------------------
Total $2,308,068.05
======================
(b) The amount set forth in paragraph 5(a)
above in respect of the Monthly Investor
Default Amount, per original $1,000
interest
Class A $3.83
Class B 3.83
Collateral Inv. Amt. 3.83
----------------------
Total $3.83
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the
amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 5
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the
Class B Invested Amount and the
Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly Period
Class A $625,000.00
Class B $48,946.25
Collateral Inv. Amt. $79,066.25
----------------------
Total $753,012.50
======================
(b) The amount set forth in paragraph 7(a)
above, per $1,000 interest
Class A $1.25000000
Class B 1.25000000
Collateral Inv. Amt. 1.25000000
----------------------
Total $1.25000000
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month
Class B $0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 6
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested
Amount as of the close of business on
the related Distribution Date after
giving effect to withdrawals, deposits
and payments to be made in respect of
the preceding month $63,253,000.00
(b) The Required Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $63,253,000.00
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on
the last day of the Monthly Period to the
amount of the Investor Interest as of the
Closing Date). The amount of a
Certificateholder's pro rata share of the
Investor Participation Amount can be
determined by multiplying the original
denomination of the holder's Certificate by
the Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.33%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.71%
C. Information Regarding the Interest Funding Account.
----------------------------------------------------
Beginning Balance (Class A) $2,371,744.79
Plus: Interest for Related Monthly Period
from Finance Charge Account 2,371,744.79
Plus: Interest on Interest Funding Account
Balance for Related Monthly Period 4,778.37
Less Withdrawals to Finance Charge Account 4,778.37
Less Withdrawals to Distribution Account $0.00
----------------------
Ending Balance (Class A) $4,743,489.58
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1994-8
Page 7
Beginning Balance (Class B) $192,593.30
Plus: Interest for Related Monthly Period
from Finance Charge Account 192,593.30
Plus: Interest on Interest Funding Account Balance
for Related Monthly Period 387.44
Less: Withdrawals to Finance Charge Account 387.44
Less: Withdrawals to Distribution Account $0.00
----------------------
Ending Balance (Class B) $385,186.60
D. Information Regarding the Principal Funding Account
---------------------------------------------------
1. Accumulation Period
-------------------
(a) Accumulation Period commencement date 09/30/01
(b) Accumulation Period length 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $500,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
2. Principal Funding Account
-------------------------
Beginning Balance
Plus: Principal Collections for Related Monthly
Period from Principal Amount $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
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 5.57%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.05
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-2
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/15/99
Transfer Date: 10/14/99
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, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1995-2 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.73125000
Class B 4.88541663
Collateral Inv. Amt. 5.13125006
---------------------
Total (weighted avg.) $4.78327518
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 $4.73125000
Class B $4.88541663
Collateral Inv. Amt. $5.13125006
---------------------
Total (weighted avg.) $4.78327518
<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 $ 93,407,657.03
Class B 7,338,823.13
Collateral Inv. Amt. 11,814,213.64
----------------------
Total $112,560,693.80
======================
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 $9,300,136.19
Class B 728,510.67
Collateral Inv. Amt. 1,176,608.14
----------------------
Total $11,205,255.00
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,300,136.19
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $36,838,525,663.71
<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 1.792%
Class B 0.140%
Collateral Inv. Amt. 0.227%
----------------------
Total 2.159%
(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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 - 184 days $191,505,916.39
(f) 185 or more days $0.00
----------------------
Total $1,571,660,839.77
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Collection
Period allocable to the Invested Amount
(the aggregate "Investor Default Amount")
Class A $2,528,161.82
Class B 198,039.34
Collateral Inv. Amt. 319,850.78
----------------------
Total $3,046,051.94
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 5
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly
Period
Class A $825,000.00
Class B 64,625.00
Collateral Inv. Amt. 104,375.00
----------------------
Total $994,000.00
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month
Class B $0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested
Amount as of the close of business on
the related Distribution Date after
giving effect to withdrawals, deposits
and payments to be made in respect of
the preceding month $83,500,000.00
(b) The Required Collateral Invested Amount
as of the close of business on the
related Distribution Date after giving
effect to withdrawals, deposits and
payments to be made in respect of the
preceding month $83,500,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-2
Page 6
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio
of the amount of the Investor Interest on the
last day of the Monthly Period to the amount
of the Investor Interest as of the Closing
Date). The amount of a Certificateholder's
pro rata share of the Investor Participation
Amount can be determined by multiplying the
original denomination of the holder's
Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.74%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period
-------------------
(a) Accumulation Period commencement date 01/31/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $660,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.49%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.06
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-5
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/15/99
Transfer Date: 10/14/99
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, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per Series
1995-5 Certificate (a "Certificate"). Certain other information is presented
based on the aggregate amount for the Trust as a whole. Capitalized terms used
in this Monthly Certificateholders' Statement have their respective meanings set
forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.67291666
Class B 4.77291678
Collateral Inv. Amt. 5.26041674
-----------------
Total (weighted avg.) $4.73623008
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 $4.67291666
Class B $4.77291678
Collateral Inv. Amt. $5.26041674
-----------------
Total (weighted avg.) $4.73623008
<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 $70,766,438.65
Class B 6,401,699.74
Collateral Inv. Amt. 8,084,392.08
----------------------
Total $85,252,530.47
======================
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 $7,044,094.57
Class B 636,504.39
Collateral Inv. Amt. 806,267.06
----------------------
Total $8,486,866.02
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,094.57
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
<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 1.357%
Class B 0.123%
Collateral Inv. Amt. 0.155%
----------------------
Total 1.635%
(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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 - 184 days $191,505,916.39
(f) 185 or more days $0.00
----------------------
Total $1,571,660,839.77
======================
<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 $1,915,071.85
Class B 173,045.89
Collateral Inv. Amt. 219,199.12
----------------------
Total $2,307,316.86
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested Amount
and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 5
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust to
the Servicer for the Monthly Period
Class A $625,000.00
Class B 56,475.00
Collateral Inv. Amt. 71,537.50
----------------------
Total $753,012.50
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts or
Investor Charge-Offs for the prior month
Class B $0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested
Amount as of the close of business on the
related Distribution Date after giving
effect to withdrawals, deposits and
payments to be made in respect of the
preceding month $57,230,000.00
(b) The Required Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to
be made in respect of the preceding month $57,230,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-5
Page 6
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of
the amount of the Investor Interest on the last
day of the Monthly Period to the amount of the
Investor Interest as of the Closing Date). The
amount of a Certificateholder's pro rata share
of the Investor Participation Amount can be
determined by multiplying the original
denomination of the holder's Certificate by the
Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly
Period 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.68%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulaton Period.
-------------------
(a) Accumulation Period commencement date 07/31/00
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $500,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.42%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
--------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.07
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1995-6
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/12/99
Transfer Date: 10/08/99
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,
N.A. (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 4.93333333
Class B 5.07555556
Collateral Inv. Amt. 5.62666667
----------------------
Total (weighted avg.) 5.00986667
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 4.93333333
Class B 5.07555556
Collateral Inv. Amt. 5.62666667
----------------------
Total (weighted avg.) 5.00986667
<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 $176,215,231.02
Class B 15,943,839.31
Collateral Inv. Amt. 20,177,589.83
----------------------
Total $212,336,660.16
======================
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 $17,544,212.09
Class B 1,585,320.37
Collateral Inv. Amt. 2,008,072.47
----------------------
Total $21,137,604.93
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $17,544,212.09
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $36,838,525,663.71
<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 3.380%
Class B 0.305%
Collateral Inv. Amt. 0.387%
----------------------
Total 4.072%
(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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 - 184 days $191,505,916.39
(f) 185 or more days $0.00
----------------------
Total $1,571,660,839.77
======================
<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 $4,768,805.15
Class B 430,916.13
Collateral Inv. Amt. 545,827.10
----------------------
Total $5,745,548.38
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the Collateral
Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested
Amount and the Collateral Invested Amount
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 5
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Monthly Period
Class A $1,556,250.00
Class B $140,625.00
Collateral Inv. Amt. $178,125.00
----------------------
Total $1,875,000.00
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Collateral and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts or
Investor Charge-Offs for the prior month
Class B $0.00
Collateral Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. Collateral Invested Amount.
---------------------------
(a) The amount of the Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to
be made in respect of the preceding month $142,500,000.00
(b) The Required Collateral Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to
be made in respect of the preceding month $142,500,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1995-6
Page 6
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of the
amount of the Investor Interest on the last day of
the Monthly Period to the amount of the Investor
Interest as of the Closing Date). The amount of a
Certificateholder's pro rata share of the Investor
Participation Amount can be determined by
multiplying the original denomination of the holder's
Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.64%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 09/30/00
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $1,245,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.59%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
---------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.08
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-1
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/15/99
Transfer Date: 10/14/99
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, N.A. (the "Bank") and The Bank of New York (Delaware), as trustee (the
"Trustee") the Bank, as Servicer, is required to prepare certain information
each month regarding current distributions to Certificateholders and the
performance of the First USA Credit Card Master Trust (the "Trust") during the
previous month. The information which is required to be prepared with respect to
the Distribution Date noted above and with respect to the performance of the
Trust during the month noted above is set forth below. Certain information is
presented on the basis of an original principal amount of $1,000 per
Series 1996-1 Certificate (a "Certificate"). Certain other information is
presented based on the aggregate amount for the Trust as a whole. Capitalized
terms used in this Monthly Certificateholders' Statement have their respective
meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
1. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A 4.61666667
Class B 4.72500000
CIA Inv. Amt. 5.23333333
----------------------
Total (weighted avg.) 4.68337594
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 4.61666667
Class B 4.72500000
CIA Inv. Amt. 5.23333333
----------------------
Total (weighted avg.) 4.68337594
<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 $106,158,994.04
Class B 9,594,201.98
CIA Inv. Amt. 12,161,955.33
----------------------
Total $127,915,151.35
======================
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 $10,568,962.29
Class B 955,011.43
CIA Inv. Amt. 1,209,723.42
----------------------
Total $12,733,697.14
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $10,568,962.29
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $36,838,525,663.71
<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 2.036%
Class B 0.184%
CIA Inv. Amt. 0.233%
----------------------
Total 2.453%
(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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 - 184 days $191,505,916.39
(f) 185 or more days $0.00
----------------------
Total $1,571,660,839.77
======================
<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 $2,872,932.24
Class B 259,598.16
CIA Inv. Amt. 328,835.83
----------------------
Total $3,461,366.23
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the CIA
Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the reimbursement
of reductions in the Class B Invested
Amount and the CIA Invested Amount
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 5
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A $0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Monthly Period
Class A $937,500.00
Class B $84,712.50
CIA Inv. Amt. $107,306.25
----------------------
Total $1,129,518.75
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts or
Investor Charge-Offs for the prior month.
Class B $0.00
CIA Inv. Amt. 0.00
----------------------
Total $0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $85,845,000.00
(b) The Required CIA Invested Amount as of the
close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to be
made in respect of the preceding month $85,845,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-1
Page 6
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of
the amount of the Investor Interest on the last
day of the Monthly Period to the amount of
the Investor Interest as of the Closing Date).
The amount of a Certificateholder's pro rata share
of the Investor Participation Amount can be
determined by multiplying the original denomination
of the holder's Certificate by the Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.62%
C. Information Regarding the Principal Funding Account.
---------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 01/31/01
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $750,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.58%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.09
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-2
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/12/99
Transfer Date: 10/08/99
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, N.A. (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 4.94222222
Class B 5.07555562
CIA Inv. Amt. 5.67111106
----------------------
Total (weighted avg.) 5.02149562
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 4.94222222
Class B 5.07555562
CIA Inv. Amt. 5.67111106
----------------------
Total (weighted avg.) 5.02149562
<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 84,923,460.82
Class B 7,703,260.01
CIA Inv. Amt. 9,715,021.99
----------------------
Total 102,341,742.82
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A 8,454,788.88
Class B 765,158.39
CIA Inv. Amt. 968,073.33
----------------------
Total 10,188,020.60
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds 8,454,788.88
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
<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 1.629%
Class B 0.147%
CIA Inv. Amt. 0.186%
----------------------
Total 1.962%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 2,298,467.95
Class B 208,011.35
CIA Inv. Amt. 263,174.58
----------------------
Total 2,769,653.88
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the Class
B Invested Amount and the CIA Invested Amount
Class A 0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total 0.00
======================
(b) The amounts set forth in paragraph 6(a)
above, per $1,000 original certificate
principal amount (which will have the
effect of reducing, pro rata, the amount
of each Certificateholder's investment)
Class A 0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total 0.00
======================
(c) The aggregate amount of Class A Investor
Charge-Offs reimbursed and the
reimbursement of reductions in the Class
B Invested Amount and the CIA Invested Amount
Class A 0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total 0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 5
(d) The amount set forth in paragraph 6(c)
above, per $1,000 interest (which will
have the effect of increasing, pro rata,
the amount of each Certificateholder's
investment)
Class A 0.00
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total 0.00
======================
7. Investor Servicing Fee.
-----------------------
(a) The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly Period
Class A 750,000.00
Class B 67,875.00
CIA Inv. Amt. 85,875.00
----------------------
Total 903,750.00
======================
8. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated CIA and Class B
Principal Collections applied in respect of
Interest Shortfalls, Investor Default Amounts
or Investor Charge-Offs for the prior month
Class B 0.00
CIA Inv. Amt. 0.00
----------------------
Total 0.00
======================
9. CIA Invested Amount.
--------------------
(a) The amount of the CIA Invested Amount
as of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to
be made in respect of the preceding month 68,700,000.00
(b) The Required CIA Invested Amount as
of the close of business on the related
Distribution Date after giving effect to
withdrawals, deposits and payments to
be made in respect of the preceding month 68,700,000.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-2
Page 6
10. The Pool Factor.
----------------
The Pool Factor (which represents the ratio of
the amount of the Investor Interest on the last
day of the Monthly Period to the amount of the
Investor Interest as of the Closing Date). The
amount of a Certificateholder's pro rata share
of the Investor Participation Amount can be
determined by multiplying the original
denomination of the holder's Certificate by
the Pool Factor
Class A 1.00000000
Class B 1.00000000
----------------------
Total (weighted avg.) 1.00000000
11. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.65%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 04/30/03
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount 723,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.58%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.10
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-4
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/12/99
Transfer Date: 10/08/99
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, N.A. (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 $4.95111112
Class B 5.11111111
CIA Inv. Amt. 5.98220199
----------------------
Total (weighted avg.) $5.06106635
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 $4.95111112
Class B 5.11111111
CIA Inv. Amt. 5.98220199
----------------------
Total (weighted avg.) $5.06106635
<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 $70,766,438.65
Class B 6,401,699.74
CIA Inv. Amt. 8,119,759.28
----------------------
Total $85,287,897.67
======================
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 $7,046,942.72
Class B 636,761.74
CIA Inv. Amt. 806,593.06
----------------------
Total $8,490,297.52
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,046,942.72
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $636,761.74
======================
(b) Principal Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $806,593.06
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $36,838,525,663.71
<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 1.357%
Class B 0.123%
CIA Inv. Amt. 0.155%
----------------------
Total 1.635%
(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 $535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total $1,571,660,839.77
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1996-4
Page 4
5. Monthly Investor Default Amount.
--------------------------------
(a) The aggregate amount of all defaulted
Principal Receivables written off as
uncollectible during the Monthly
Period allocable to the Invested Amount
(the aggregate "Investor Default Amount")
Class A $1,915,695.33
Class B 173,102.23
CIA Inv. Amt. 219,270.49
----------------------
Total $2,308,068.05
======================
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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.69%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 05/31/06
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 4.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $301,205,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.53%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.11
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-6
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/12/99
Transfer Date: 10/08/99
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, N.A. (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 $4.90666667
Class B 5.09333333
CIA Inv. Amt. 5.62666663
----------------------
Total (weighted avg.) $4.98907959
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 $4.90666667
Class B 5.09333333
CIA Inv. Amt. 5.62666663
----------------------
Total (weighted avg.) $4.98907959
<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 $122,102,833.37
Class B 11,016,582.32
CIA Inv. Amt. 13,965,467.66
----------------------
Total $147,084,883.35
======================
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 $12,152,249.31
Class B 1,098,794.93
CIA Inv. Amt. 1,391,102.56
----------------------
Total $14,642,146.80
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $12,152,249.31
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $1,098,794.93
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,391,102.56
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
<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 2.342%
Class B 0.212%
CIA Inv. Amt. 0.268%
----------------------
Total 2.822%
(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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 - 184 days $191,505,916.39
(f) 185 or more days $0.00
----------------------
Total $1,571,660,839.77
======================
<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 $3,303,556.94
Class B 298,704.50
CIA Inv. Amt. 378,167.56
----------------------
Total $3,980,429.00
======================
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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.61%
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 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $1,039,400,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.61%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.12
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1996-8
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/12/99
Transfer Date: 10/08/99
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,
N.A. (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 $4.88888890
Class B 5.08444448
CIA Inv. Amt. 5.58222227
----------------------
Total (weighted avg.) $4.96945691
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 $4.88888890
Class B 5.08444448
CIA Inv. Amt. 5.58222227
----------------------
Total (weighted avg.) $4.96945691
<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 $56,592,721.37
Class B $5,135,506.66
CIA Inv. Amt. $6,489,129.38
----------------------
Total $68,217,357.41
======================
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 $5,635,539.63
Class B 510,016.34
CIA Inv. Amt. 645,269.29
----------------------
Total $6,790,825.26
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $5,635,539.63
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $510,016.34
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $645,269.29
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
<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 1.086%
Class B 0.098%
CIA Inv. Amt. 0.124%
----------------------
Total 1.308%
(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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 - 184 days $191,505,916.39
(f) 185 or more days $0.00
----------------------
Total $1,571,660,839.77
======================
<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 $1,531,705.55
Class B 138,619.35
CIA Inv. Amt. 175,380.29
----------------------
Total $1,845,705.19
======================
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 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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.59%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 10/31/03
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 4.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $241,000,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.63%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.13
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-1
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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,
N.A. (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 4.71996528
Class B 4.90079858
CIA Inv. Amt. 5.36579859
----------------------
Total (weighted avg.) 4.79488284
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 4.71996528
Class B 4.90079858
CIA Inv. Amt. 5.36579859
----------------------
Total (weighted avg.) 4.79488284
<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 $106,158,994.04
Class B 9,594,201.98
CIA Inv. Amt. 12,161,955.33
----------------------
Total $127,915,151.35
======================
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 $10,568,962.29
Class B 955,011.43
CIA Inv. Amt. 1,209,723.42
----------------------
Total $12,733,697.14
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $10,568,962.29
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $955,011.43
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,209,723.42
======================
3. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last
day of the Monthly Period $36,838,525,663.71
<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 2.036%
Class B 0.184%
CIA Inv. Amt. 0.233%
----------------------
Total 2.453%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $2,872,932.24
Class B 259,598.16
CIA Inv. Amt. 328,835.83
----------------------
Total $3,461,366.23
======================
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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.57%
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period commencement date 11/30/03
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 4.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $451,807,500.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.64%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ TRACIE KLEIN
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.14
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-2
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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,
N.A. (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 4.74579862
Class B 4.91802081
CIA Inv. Amt. 5.36579853
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 4.74579862
Class B 4.91802081
CIA Inv. Amt. 5.36579853
<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 $70,766,438.65
Class B 6,401,699.74
CIA Inv. Amt. 8,084,392.08
---------------------
Total $85,252,530.47
======================
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 $7,044,094.57
Class B 636,504.39
CIA Inv. Amt. 806,267.06
----------------------
Total $8,486,866.02
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,094.57
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $636,504.39
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $806,267.06
======================
(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 $36,838,525,663.71
(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 1.357%
Class B 0.123%
CIA Inv. Amt. 0.155%
----------------------
Total 1.635%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $1,915,071.85
Class B 173,045.89
CIA Inv. Amt. 219,199.12
----------------------
Total $2,307,316.86
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the 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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.59%
<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 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.61%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.15
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-3
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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 4.72857638
Class B 4.88357636
CIA Inv. Amt. 5.27968758
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 4.72857638
Class B 4,88357636
CIA Inv. Amt. 5.27968758
<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 $70,766,438.65
Class B 6,401,699.74
CIA Inv. Amt. 8,084,392.08
----------------------
Total $85,252,530.47
======================
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 $7,044,094.57
Class B 636,504.39
CIA Inv. Amt. 806,267.06
----------------------
Total $8,486,866.02
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,094.57
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $636,504.39
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $806,267.06
======================
(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 $36,838,525,663.71
(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 1.357%
Class B 0.123%
CIA Inv. Amt. 0.155%
----------------------
Total 1.635%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $1,915,071.85
Class B 173,045.89
CIA Inv. Amt. 219,199.12
----------------------
Total $2,307,316.86
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the 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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.57%
<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 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.64%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.16
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-4
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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 4.81468750
Class B 4.98690969
CIA Inv. Amt. 5.49496523
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 4.81468750
Class B 4.98690969
CIA Inv. Amt. 5.49496523
<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 $70,766,438.65
Class B 6,401,699.74
CIA Inv. Amt. 8,084,392.08
----------------------
Total $85,252,530.47
======================
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 $7,044,094.57
Class B 636,504.39
CIA Inv. Amt. 806,267.06
----------------------
Total 8,486,866.02
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,094.57
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $636,504.39
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $806,267.06
======================
(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 $36,838,525,663.71
(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 1.357%
Class B 0.123%
CIA Inv. Amt. 0.155%
----------------------
Total 1.635%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $1,915,071.85
Class B 173,045.89
CIA Inv. Amt. 219,199.12
----------------------
Total $2,307,316.86
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the 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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.68%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-4
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 03/31/07
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 4.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $301,205,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.52%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.17
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-5
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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 4.75440972
Class B 4.91802077
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 4.75440972
Class B 4.91802077
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 $92,001,971.89
Class B 8,292,641.69
CIA Inv. Amt. 10,531,325.41
----------------------
Total $110,825,938.99
======================
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 $9,157,039.89
Class B 827,444.21
CIA Inv. Amt. 1,048,058.43
----------------------
Total 11,032,542.53
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,157,039.89
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $827,444.21
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,048,058.43
======================
(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 $36,838,525,663.71
(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 1.764%
Class B 0.159%
CIA Inv. Amt. 0.202%
----------------------
Total 2.125%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $2,489,182.35
Class B 224,926.35
CIA Inv. Amt. 284,896.49
----------------------
Total $2,999,005.19
======================
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 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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.68%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-5
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 06/30/04
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $783,130,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.52%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.18
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-6
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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,
N.A. (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 $183,987,248.62
Class B 16,620,650.67
CIA Inv. Amt. 21,043,978.73
----------------------
Total $221,651,878.02
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed during
the Monthly Period which were allocated in
respect of the Certificates
Class A $18,314,079.78
Class B 1,654,888.42
CIA Inv. Amt. 2,096,116.87
----------------------
Total 22,065,085.07
======================
(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 895,022.92
----------------------
Class A Available Funds $19,209,102.70
======================
(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 80,640.71
----------------------
Class B Available Funds $1,735,529.13
======================
(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 101,967.65
----------------------
CIA Available Funds $2,198,084.52
======================
(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 $36,838,525,663.71
(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 3.529%
Class B 0.319%
CIA Inv. Amt. 0.404%
----------------------
Total 4.252%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $4,978,364.69
Class B 449,852.69
CIA Inv. Amt. 569,792.99
----------------------
Total $5,998,010.37
======================
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 13.14%
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 05/31/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $1,566,260,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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
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
Monthly Period 5.65%
<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
Transfer Date 0.00
(b) Overdue Class A Net Swap Payment 0.00
(c) Class A Net Swap Receipt due on the related
Transfer Date 895,022.92
(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
Transfer Date 0.00
(b) Overdue Class B Net Swap Payment 0.00
(c) Class B Net Swap Receipt due on the related
Transfer Date 80,640.71
(d) Overdue Class B Net Swap Receipt 0.00
3. CIA Interest Rate Swap.
(a) CIA Net Swap Payment due on the related
Transfer Date 0.00
(b) Overdue CIA Net Swap Payment 0.00
(c) CIA Net Swap Receipt due on the related
Transfer Date 101,967.65
(d) Overdue CIA Net Swap Receipt 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ TRACIE KLEIN
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.19
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-7
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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 4.71824306
Class B 4.89218747
CIA Inv. Amt. 5.40885410
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 4.71824306
Class B 4.89218747
CIA Inv. Amt. 5.40885410
<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 $70,766,438.65
Class B 6,401,699.74
CIA Inv. Amt. 8,084,392.08
----------------------
Total $85,252,530.47
======================
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 $7,044,094.57
Class B 636,504.39
CIA Inv. Amt. 806,267.06
----------------------
Total $8,486,866.02
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,094.57
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $636,504.39
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $806,267.06
======================
(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 $36,838,525,663.71
(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 1.357%
Class B 0.123%
CIA Inv. Amt. 0.155%
----------------------
Total 1.635%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $1,915,071.85
Class B 173,045.89
CIA Inv. Amt. 219,199.12
----------------------
Total $2,307,316.86
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the 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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.57%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-7
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 07/31/04
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.63%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.20
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-8
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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 4.76302083
Class B 4.94385418
CIA Inv. Amt. 5.49496528
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 4.76302083
Class B 4.94385418
CIA Inv. Amt. 5.49496528
<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 $110,409,439.74
Class B 9,975,334.06
CIA Inv. Amt. 12,630,517.08
----------------------
Total $133,015,290.88
======================
2. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $10,990,411.46
Class B 993,110.49
CIA Inv. Amt. 1,257,951.22
----------------------
Total $13,241,473.17
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
---------------------
Class A Available Funds $10,990,411.46
=====================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $993,110.49
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,257,951.22
======================
(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 $36,838,525,663.71
(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 2.117%
Class B 0.191%
CIA Inv. Amt. 0.242%
----------------------
Total 2.550%
(d) During the Amortization Period: The
Invested Amount as of _______ (the
last day of the Revolving Period)
Class A N/A
Class B N/A
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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $2,987,621.18
Class B 269,966.05
CIA Inv. Amt. 341,960.06
----------------------
Total $3,599,547.29
======================
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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.63%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-8
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 05/31/07
(b) Accumulation Period length (months) 3
(c) Accumulation Period Factor 2.7
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $313,253,333.33
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.58%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.21
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-9
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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 4.68552084
Class B 4.91802081
CIA Inv. Amt. 5.45190966
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 4.68552084
Class B 4.91802081
CIA Inv. Amt. 5.45190966
<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 $70,766,438.65
Class B 6,401,699.74
CIA Inv. Amt. 8,084,392.08
----------------------
Total $85,252,530.47
======================
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 $7,044,094.57
Class B 636,504.39
CIA Inv. Amt. 806,267.06
----------------------
Total 8,486,866.02
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,094.57
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $636,504.39
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $806,267.06
======================
(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 $36,838,525,663.71
(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 1.357%
Class B 0.123%
CIA Inv. Amt. 0.155%
----------------------
Total 1.635%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<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 $1,915,071.85
Class B 173,045.89
CIA Inv. Amt. 219,199.12
----------------------
Total $2,307,316.86
======================
6. Investor Charge-Offs & Reimbursements of Charge-Offs.
-----------------------------------------------------
(a) The aggregate amount of Class A Investor
Charge-Offs and the reductions in the
Class B Invested Amount and the 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 1997-9
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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.55%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-9
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 08/31/04
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 5.66%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.22
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1997-10
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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
1997-10 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 4.71135417
Class B 4.86635417
CIA Inv. Amt. 5.32274310
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 4.71135417
Class B 4.86635417
CIA Inv. Amt. 5.32274310
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
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 $99,080,482.98
Class B 8,969,453.05
CIA Inv. Amt. 11,328,956.76
----------------------
Total $119,378,892.79
======================
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 $9,863,709.47
Class B 891,298.88
CIA Inv. Amt. 1,128,986.10
----------------------
Total 11,883,994.45
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,863,709.47
======================
(b) Principal Funding Investment Proceeds
(to Class B) N/A
(c) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $891,298.88
======================
(b) Prin. Funding Investment Proceeds
(to Class CIA) N/A
(c) Withdrawals from Reserve Account
(to Class CIA) N/A
----------------------
CIA Available Funds $1,128,986.10
======================
(d) Total Principal Funding Investment Proceeds 0.00
(e) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
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 $36,838,525,663.71
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A 700,000,000.00
Class B 63,253,000.00
CIA Inv. Amt. 80,121,000.00
----------------------
Total 843,374,000.00
(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 1.900%
Class B 0.172%
CIA Inv. Amt. 0.217%
----------------------
Total 2.289%
(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 535,941,075.14
(b) 65 - 94 days 340,625,218.26
(c) 95 - 124 days 276,370,183.70
(d) 125 - 154 days 227,218,446.28
(e) 155 - 184 days 191,505,916.39
(f) 185 or more days 0.00
----------------------
Total 1,571,660,839.77
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
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 $2,681,357.62
Class B 242,291.31
CIA Inv. Amt. 306,904.36
----------------------
Total $3,230,553.29
======================
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 $875,000.00
Class B $79,066.25
CIA Inv. Amt. $100,151.25
----------------------
Total $1,054,217.50
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
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 80,121,000.00
(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 80,121,000.00
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 12.31%
12. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.55%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
Page 6
C. Information Regarding the Principal Funding Account.
----------------------------------------------------
1. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 11/30/00
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $843,374,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
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 $0.00
3. Accumulation Shortfall.
-----------------------
The Controlled Deposit Amount for
the previous Monthly Period N/A
Less: The amount deposited into the
Principal Funding Account for the
Previous Monthly Period N/A
----------------------
Accumulation Shortfall N/A
======================
Aggregate Accumulation Shortfalls N/A
======================
4. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1997-10
Page 7
D. Information Regarding the Reserve Account.
------------------------------------------
1. Required Reserve Account Analysis.
(a) Required Reserve Account Amount
percentage (0.5% of Class A Invested
Amount or other amount designated by
Transferor) 0.00
(b) Required Reserve Account Amount ($) 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 5.65%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.23
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-1
-----------------------------------------------
Monthly Period: 09/01/99 to 09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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,
N.A. (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
1998-1 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.24764
Class B $4.37986
Excess Collateral Amt. $5.41667
B. 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 $4.24764
Class B $4.37986
Excess Collateral Amt. $5.41667
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-1
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. 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 $99,080,482.98
Class B $8,969,453.05
Excess Collateral Amt. $11,328,956.76
----------------------
Total $119,378,892.79
======================
B. 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 $9,863,709.48
Class B $891,298.88
Excess Collateral Amt. $1,128,986.10
----------------------
Total $11,883,994.45
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,863,709.48
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $891,298.88
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $1,128,986.10
======================
(h) Total Principal Funding Investment Proceeds 0.00
(i) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-1
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $700,000,000.00
Class B $63,253,000.00
Excess Collateral Amt. $80,121,000.00
----------------------
Total $843,374,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 1.900%
Class B 0.172%
Excess Collateral Amt. 0.217%
----------------------
Total 2.289%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the
aggregate amount of Principal Receivables
set forth in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-1
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $2,681,357.62
Class B 242,291.31
Excess Collateral Amt. 306,904.36
---------------------
Total $3,230,553.29
=====================
F. 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
Excess Collateral 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 Excess
Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
---------------------
Total $0.00
=====================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-1
Page 5
G. Investor Servicing Fee.
-----------------------
The amount of the Investor Monthly
Servicing Fee payable by the Trust
to the Servicer for the Monthly Period
Class A $875,000.00
Class B $79,066.25
Excess Collateral Amt. $100,151.25
---------------------
Total $1,054,217.50
=====================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
(a) The amount of the Excess Collateral 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 $80,121,000.00
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.57%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 03/31/03
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $843,374,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-1
Page 6
B. 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
C. 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
=====================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less Principal Funding Investment Proceeds N/A
---------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-1
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B. above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.62%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
--------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.24
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-3
-----------------------------------------------
Monthly Period: 09/01/99 to 09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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
1998-3 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.23208
Class B $4.35653
Excess Collateral Amt. $4.51208
B. The amount of the distribution in respect
of interest on the Certificates, per $1,000
original certificate principal amount.
Class A $4.23208
Class B $4.35653
Excess Collateral Amt. $4.51208
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-3
Page 2
C. The amount of the distribution in respect of
principal on the Certificates, per $1,000
original certificate principal amount
Class A $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. 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 $113,237,505.11
Class B $10,235,646.11
Excess Collateral Amt. $12,959,586.67
----------------------
Total $136,432,737.89
======================
B. 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 $11,272,818.73
Class B $1,018,625.99
Excess Collateral Amt. $1,290,272.74
----------------------
Total $13,581,717.46
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $11,272,818.73
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $1,018,625.99
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $1,290,272.74
======================
(h) Total Principal Funding Investment Proceeds 0.00
(i) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-3
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the last day
of the Monthly Period $36,838,525,663.71
(b) Invested Amount as of the last day of the
preceding month (Adjusted Class A Invested
Amount during Accumulation Period)
Class A $800,000,000.00
Class B $72,289,000.00
Excess Collateral Amt. $91,567,000.00
----------------------
Total $963,856,000.00
======================
(c) The Floating Allocation Percentage: The
Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 2.172%
Class B 0.196%
Excess Collateral Amt. 0.249%
----------------------
Total 2.616%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the
aggregate amount of Principal Receivables
set forth in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-3
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $3,064,494.14
Class B 276,911.52
Excess Collateral Amt. 350,758.17
----------------------
Total $3,692,163.83
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-3
Page 5
G. 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 $1,000,000.00
Class B $90,361.25
Excess Collateral Amt. $114,458.75
----------------------
Total $1,204,820.00
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral 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 $91,567,000.00
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly
Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.49%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 04/30/01
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $963,856,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-3
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-3
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (4.A.(d) plus 4.B.above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.72%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
Exhibit 99.25
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-4
-----------------------------------------------
Monthly Period: 09/01/99 to 09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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,
N.A. (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
1998-4 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.27875
Class B $4.41875
Excess Collateral Amt. $4.57431
B. 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 $4.27875
Class B $4.41875
Excess Collateral Amt. $4.57431
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-4
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. 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 $99,080,482.98
Class B $8,969,453.05
Excess Collateral Amt. $11,328,956.76
----------------------
Total $119,378,892.79
======================
B. 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 $9,863,709.48
Class B $891,298.88
Excess Collateral Amt. $1,128,986.10
----------------------
Total $11,883,994.45
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,863,709.48
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $891,298.88
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $1,128,986.10
======================
(h) Total Principal Funding Investment Proceeds 0.00
(i) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-4
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(b) Invested Amount as of the last day of the
preceding month (Adjusted Class A Invested
Amount during Accumulation Period)
Class A $700,000,000.00
Class B $63,253,000.00
Excess Collateral Amt. $80,121,000.00
----------------------
Total $843,374,000.00
======================
(c) The Floating Allocation Percentage: The
Invested Amount set forth in paragraph 2.C.
(b) above as a percentage of the aggregate
amount of Principal Receivables as of the
Record Date set forth in paragraph 2.C.(a)
above
Class A 1.900%
Class B 0.172%
Excess Collateral Amt. 0.217%
----------------------
Total 2.289%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth in
paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-4
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $2,681,357.62
Class B 242,291.31
Excess Collateral Amt. 306,904.36
----------------------
Total $3,230,553.29
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-4
Page 5
G. Investor Servicing Fee.
-----------------------
The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Monthly Period
Class A $875,000.00
Class B $79,066.25
Excess Collateral Amt. $100,151.25
----------------------
Total $1,054,217.50
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral 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 $80,121,000.00
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.55%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 04/30/05
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 4.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $421,687,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-4
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-4
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on the
Related Transfer Date (4.A.(d) plus 4.B. above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.65%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.26
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-5
-----------------------------------------------
Monthly Period: 09/01/99 to 09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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
1998-5 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.26319
Class B $4.40319
Excess Collateral Amt. $4.58986
B. 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 $4.26319
Class B $4.40319
Excess Collateral Amt. $4.58986
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-5
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. 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 $92,001,971.89
Class B $8,292,641.69
Excess Collateral Amt. $10,531,325.41
----------------------
Total $110,825,938.99
======================
B. 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 $9,157,039.88
Class B $827,444.21
Excess Collateral Amt. $1,048,058.43
----------------------
Total $11,032,542.53
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,157,039.88
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $827,444.21
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $1,048,058.43
======================
(h) Total Principal Funding Investment Proceeds 0.00
(i) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-5
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(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
Excess Collateral Amt. $74,395,000.00
----------------------
Total $783,130,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the aggregate
amount of Principal Receivables as of the
Record Date set forth in paragraph 2.C.(a)
above
Class A 1.764%
Class B 0.159%
Excess Collateral Amt. 0.202%
----------------------
Total 2.126%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-5
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
---------------------
Total $1,571,660,839.77
======================
E. 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 $2,489,182.35
Class B 224,926.35
Excess Collateral Amt. 284,896.49
----------------------
Total $2,999,005.19
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-5
Page 5
G. Investor Servicing Fee.
-----------------------
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
Excess Collateral Amt. $92,993.75
----------------------
Total $978,912.50
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related
Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related
Monthly Period 7.53%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 06/30/03
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $783,130,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-5
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-5
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B. above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.67%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.27
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-6
-----------------------------------------------
Monthly Period: 09/01/99 to 09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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
1998-6 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.30986
Class B $4.46542
Excess Collateral Amt. $5.13333
B. 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 $4.30986
Class B $4.46542
Excess Collateral Amt. $5.13333
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-6
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. 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 $113,237,505.11
Class B $10,235,646.11
Excess Collateral Amt. $12,959,586.67
----------------------
Total $136,432,737.89
======================
B. 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 $11,272,818.73
Class B $1,018,625.99
Excess Collateral Amt. $1,290,272.74
----------------------
Total $13,581,717.46
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $11,272,818.73
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $1,018,625.99
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $1,290,272.74
======================
(h) Total Principal Funding Investment Proceeds 0.00
(i) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-6
Page 3
C. Principal Receivables/Investor Percentages
------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $800,000,000.00
Class B $72,289,000.00
Excess Collateral Amt. $91,567,000.00
----------------------
Total $963,856,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 2.172%
Class B 0.196%
Excess Collateral Amt. 0.249%
----------------------
Total 2.616%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-6
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $3,064,494.14
Class B 276,911.52
Excess Collateral Amt. 350,758.17
----------------------
Total $3,692,163.83
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-6
Page 5
G. Investor Servicing Fee.
-----------------------
The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer
for the Monthly Period
Class A $1,000,000.00
Class B $90,361.25
Excess Collateral Amt. $114,458.75
----------------------
Total $1,204,820.00
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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 $91,567,000.00
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.62%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 11/30/07
(b) Accumulation Period length (months) 8
(c) Accumulation Period Factor 1.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $120,482,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-6
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-6
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B.
above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.58%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ TRACIE KLEIN
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.28
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-7
-----------------------------------------------
Monthly Period: 09/01/99 to 09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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,
N.A. (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
1998-7 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.26319
Class B $4.41875
Excess Collateral Amt. $4.65208
B. 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 $4.26319
Class B $4.41875
Excess Collateral Amt. $4.65208
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-7
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $106,158,994.04
Class B $9,594,201.98
Excess Collateral Amt. $12,161,955.33
----------------------
Total $127,915,151.35
======================
B. 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 $10,568,962.28
Class B $955,011.43
Excess Collateral Amt. $1,209,723.42
----------------------
Total $12,733,697.14
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $10,568,962.28
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $955,011.43
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $1,209,723.42
======================
(h) Total Principal Funding Investment Proceeds 0.00
(i) Earnings on Reserve Account deposits 0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-7
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(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
Excess Collateral Amt. $85,845,000.00
----------------------
Total $903,615,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 2.036%
Class B 0.184%
Excess Collateral Amt. 0.233%
----------------------
Total 2.453%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-7
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $2,872,932.25
Class B 259,598.16
Excess Collateral Amt. 328,835.83
----------------------
Total $3,461,366.23
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-7
Page 5
G. Investor Servicing Fee.
-----------------------
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
Excess Collateral Amt. $107,306.25
----------------------
Total $1,129,518.75
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.54%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 06/30/01
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $903,615,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-7
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall
--------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account
-----------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-7
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B.
above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.66%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.29
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-8
-----------------------------------------------
Monthly Period: 09/01/99
to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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, N.A. (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
1998-8 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.30208
Class B $4.50431
Excess Collateral Amt. $4.88542
B. 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 $4.30208
Class B $4.50431
Excess Collateral Amt. $4.88542
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-8
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $70,766,438.65
Class B $6,401,699.74
Excess Collateral Amt. $8,084,392.08
----------------------
Total $85,252,530.47
======================
B. 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 $7,044,094.57
Class B $636,504.39
Excess Collateral Amt. $806,267.06
----------------------
Total $8,486,866.02
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,094.57
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $636,504.39
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $806,267.06
======================
(h) Total Principal Funding Investment Proceeds $0.00
(i) Earnings on Reserve Account deposits $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-8
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(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
Excess Collateral Amt. $57,230,000.00
----------------------
Total $602,410,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 1.357%
Class B 0.123%
Excess Collateral Amt. 0.155%
----------------------
Total 1.635%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-8
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $1,915,071.84
Class B 173,045.89
Excess Collateral Amt. 219,199.12
----------------------
Total $2,307,316.86
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-8
Page 5
G. Investor Servicing Fee.
-----------------------
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
Excess Collateral Amt. $71,537.50
----------------------
Total $753,012.50
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.62%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 07/31/05
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-8
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-8
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B.
above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.58%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.30
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1998-9
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/18/99
Transfer Date: 10/15/99
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,
N.A. (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
1998-9 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.40000
Class B $4.62500
Excess Collateral Amt. $5.08333
B. 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 $4.40000
Class B $4.62500
Excess Collateral Amt. $5.08333
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-9
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. 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 $92,001,971.89
Class B $6,349,637.31
Excess Collateral Amt. $7,390,885.55
----------------------
Total $105,742,494.75
======================
B. 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 $9,158,061.69
Class B $631,596.29
Excess Collateral Amt. $736,857.64
----------------------
Total $10,526,515.63
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,158,061.69
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $631,596.29
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $736,857.64
======================
(h) Total Principal Funding Investment Proceeds $0.00
(i) Earnings on Reserve Account deposits $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-9
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(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 $44,828,000.00
Excess Collateral Amt. $52,299,000.00
----------------------
Total $747,127,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 1.764%
Class B 0.122%
Excess Collateral Amt. 0.142%
----------------------
Total 2.028%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-9
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $2,489,527.03
Class B 171,693.10
Excess Collateral Amt. 200,307.34
----------------------
Total $2,861,527.48
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-9
Page 5
G. Investor Servicing Fee.
-----------------------
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 $56,035.00
Excess Collateral Amt. $65,373.75
----------------------
Total $933,908.75
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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 $52,299,000.00
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.35%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 10/31/03
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 4.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $373,563,500.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-9
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1998-9
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B.
above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.75%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.31
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1999-1
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/19/99
Transfer Date: 10/18/99
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,
N.A. (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
1999-1 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.45573
Class B $4.65712
Excess Collateral Amt. $5.35000
B. 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 $4.45573
Class B $4.65712
Excess Collateral Amt. $5.35000
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-1
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. 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 $141,516,182.18
Class B $12,786,704.28
Excess Collateral Amt. $16,204,151.39
----------------------
Total $170,507,037.85
======================
B. Allocation of Finance Charge Receivables.
-----------------------------------------
(a) The aggregate amount of Allocations of
Finance Charge Receivables processed
during the Monthly Period which were
allocated in respect of the Certificates
Class A $14,088,145.30
Class B $1,273,018.90
Excess Collateral Amt. $1,612,500.93
----------------------
Total $16,973,665.13
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $14,088,145.30
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $1,273,018.90
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $1,612,500.93
======================
(h) Total Principal Funding Investment Proceeds $0.00
(i) Earnings on Reserve Account deposits $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-1
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(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 $90,361,000.00
Excess Collateral Amt. $114,458,000.00
----------------------
Total $1,204,819,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 2.715%
Class B 0.245%
Excess Collateral Amt. 0.311%
----------------------
Total 3.271%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-1
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $3,829,549.04
Class B 346,041.88
Excess Collateral Amt. 438,322.52
----------------------
Total $4,613,913.45
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-1
Page 5
G. Investor Servicing Fee.
-----------------------
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 $112,951.25
Excess Collateral Amt. $143,072.50
----------------------
Total $1,506,023.75
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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 $114,458,000.00
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.63%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 11/30/03
(b) Accumulation Period length (months) 2
(c) Accumulation Period Factor 4.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $602,409,500.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-1
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-1
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B.
above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.56%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.32
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
FIRST USA BANK, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1999-2
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/19/99
Transfer Date: 10/18/99
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, N.A. (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
1999-2 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.48795
Class B $4.68934
Excess Collateral Amt. $5.54167
B. 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 $4.48795
Class B $4.68934
Excess Collateral Amt. $5.54167
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-2
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $70,766,438.65
Class B $6,401,699.74
Excess Collateral Amt. $8,084,392.08
----------------------
Total $85,252,530.47
======================
B. 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 $7,044,094.57
Class B $636,504.39
Excess Collateral Amt. $806,267.06
----------------------
Total $8,486,866.02
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,094.57
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $636,504.39
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $806,267.06
======================
(h) Total Principal Funding Investment Proceeds $0.00
(i) Earnings on Reserve Account deposits $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-2
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(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
Excess Collateral Amt. $57,230,000.00
----------------------
Total $602,410,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 1.357%
Class B 0.123%
Excess Collateral Amt. 0.155%
----------------------
Total 1.635%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-2
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $1,915,071.84
Class B 173,045.89
Excess Collateral Amt. 219,199.12
----------------------
Total $2,307,316.86
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-2
Page 5
G. Investor Servicing Fee.
-----------------------
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
Excess Collateral Amt. $71,537.50
----------------------
Total $753,012.50
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.69%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 12/31/05
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $602,410,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-2
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-2
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B.
above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.50%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.33
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1999-3
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/19/99
Transfer Date: 10/18/99
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, N.A. (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
1999-3 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.45573
Class B $4.62490
Excess Collateral Amt. $5.37500
B. 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 $4.45573
Class B $4.62490
Excess Collateral Amt. $5.37500
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-3
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. 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 $99,080,482.98
Class B $7,667,892.78
Excess Collateral Amt. $11,224,831.95
----------------------
Total $117,973,207.71
======================
B. 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 $9,865,049.00
Class B $763,371.58
Excess Collateral Amt. $1,115,694.76
----------------------
Total $11,744,115.35
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $9,865,049.00
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $763,371.58
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $1,115,694.76
======================
(h) Total Principal Funding Investment Proceeds $0.00
(i) Earnings on Reserve Account deposits $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-3
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(b) Invested Amount as of the last day of
the preceding month (Adjusted Class A
Invested Amount during Accumulation
Period)
Class A $700,000,000.00
Class B $54,167,000.00
Excess Collateral Amt. $79,167,000.00
----------------------
Total $833,334,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 1.900%
Class B 0.147%
Excess Collateral Amt. 0.215%
----------------------
Total 2.262%
(d) During the Amortization Period: The
Invested Amount as of _______ (the
last day of the Revolving Period)
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-3
Page 4
D. 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 $535,941,075.14
(b) 65 -94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $2,681,866.01
Class B 207,526.62
Excess Collateral Amt. 303,307.55
----------------------
Total $3,192,700.18
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-3
Page 5
G. Investor Servicing Fee.
-----------------------
The amount of the Investor Monthly Servicing
Fee payable by the Trust to the Servicer for
the Monthly Period
Class A $875,000.00
Class B $67,708.75
Excess Collateral Amt. $98,958.75
----------------------
Total $1,041,667.50
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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 $79,167,000.00
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.63%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 02/28/04
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $833,334,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-3
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-3
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B.
above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.56%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ TRACIE KLEIN
-------------------------------------
Tracie Klein
First Vice President
<PAGE>
EXHIBIT 99.34
[LETTERHEAD OF FIRST USA APPEARS HERE]
MONTHLY CERTIFICATEHOLDERS' STATEMENT
First USA Bank, N.A.
-----------------------------------------------
FIRST USA CREDIT CARD MASTER TRUST, SERIES 1999-4
-----------------------------------------------
Monthly Period: 09/01/99 to
09/30/99
Distribution Date: 10/19/99
Transfer Date: 10/18/99
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, N.A. (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
1999-4 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.
1. Information Regarding the Current Monthly Distribution.
-------------------------------------------------------
A. The total amount of the distribution to
Certificateholders on the Distribution Date per
$1,000 original certificate principal amount
Class A $4.40740
Class B $4.57656
Excess Collateral Amt. $4.85851
B. 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 $4.40740
Class B $4.57656
Excess Collateral Amt. $4.85851
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-4
Page 2
C. 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 $0.00000
Class B $0.00000
Excess Collateral Amt. $0.00000
2. Information Regarding the Performance of the Trust.
---------------------------------------------------
A. Allocation of Principal Receivables.
------------------------------------
The aggregate amount of Allocations of
Principal Receivables processed during the
Monthly Period which were allocated in
respect of the Certificates
Class A $70,766,438.65
Class B $5,464,576.33
Excess Collateral Amt. $8,015,634.47
----------------------
Total $84,246,649.45
======================
B. 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 $7,044,803.36
Class B $545,140.97
Excess Collateral Amt. $796,739.08
----------------------
Total $8,386,683.42
======================
(b) Principal Funding Investment Proceeds
(to Class A) N/A
(c) Withdrawals from Reserve Account
(to Class A) N/A
----------------------
Class A Available Funds $7,044,803.36
======================
(d) Principal Funding Investment Proceeds
(to Class B) N/A
(e) Withdrawals from Reserve Account
(to Class B) N/A
----------------------
Class B Available Funds $545,140.97
======================
(f) Prin. Funding Investment Proceeds
(to Excess Collateral) N/A
(g) Withdrawals from Reserve Account
(to Excess Collateral) N/A
----------------------
Excess Collateral Available Funds $796,739.08
======================
(h) Total Principal Funding Investment Proceeds $0.00
(i) Earnings on Reserve Account deposits $0.00
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-4
Page 3
C. Principal Receivables/Investor Percentages.
-------------------------------------------
(a) The aggregate amount of Principal
Receivables in the Trust as of the
last day of the Monthly Period $36,838,525,663.71
(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 $38,691,000.00
Excess Collateral Amt. $56,548,000.00
----------------------
Total $595,239,000.00
======================
(c) The Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(b) above as a percentage of the
aggregate amount of Principal Receivables
as of the Record Date set forth in
paragraph 2.C.(a) above
Class A 1.357%
Class B 0.105%
Excess Collateral Amt. 0.154%
----------------------
Total 1.616%
(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
Excess Collateral Amt. N/A
----------------------
Total N/A
(e) The Fixed/Floating Allocation Percentage:
The Invested Amount set forth in paragraph
2.C.(d) above as a percentage of the aggregate
amount of Principal Receivables set forth
in paragraph 2.C.(a) above
Class A N/A
Class B N/A
Excess Collateral Amt. N/A
----------------------
Total N/A
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-4
Page 4
D. 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 $535,941,075.14
(b) 65 - 94 days $340,625,218.26
(c) 95 - 124 days $276,370,183.70
(d) 125 - 154 days $227,218,446.28
(e) 155 or more days $191,505,916.39
----------------------
Total $1,571,660,839.77
======================
E. 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 $1,915,170.09
Class B 148,199.69
Excess Collateral Amt. 216,598.08
----------------------
Total $2,279,967.86
======================
F. 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
Excess Collateral 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 Excess Collateral Amount
Class A $0.00
Class B 0.00
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-4
Page 5
G. Investor Servicing Fee.
-----------------------
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 $48,363.75
Excess Collateral Amt. $70,685.00
----------------------
Total $744,048.75
======================
H. Reallocated Principal Collections.
----------------------------------
The amount of Reallocated Excess 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
Excess Collateral Amt. 0.00
----------------------
Total $0.00
======================
I. Excess Collateral Amount.
-------------------------
(a) The amount of the Excess Collateral
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 $56,548,000.00
J. The Portfolio Yield.
--------------------
The Portfolio Yield for the related Monthly Period 12.31%
K. The Base Rate.
--------------
The Base Rate for the related Monthly Period 7.54%
3. Information Regarding the Principal Funding Account.
----------------------------------------------------
A. Accumulation Period.
--------------------
(a) Accumulation Period Commencement Date 03/31/02
(b) Accumulation Period length (months) 1
(c) Accumulation Period Factor 8.00
(d) Required Accumulation Factor Number 8
(e) Controlled Accumulation Amount $595,239,000.00
(f) Minimum Payment Rate (last 12 months) 13.95%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-4
Page 6
B. 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
C. 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
======================
D. Principal Funding Investment Shortfall.
---------------------------------------
Covered Amount N/A
Less: Principal Funding Investment Proceeds N/A
----------------------
Principal Funding Investment Shortfall N/A
4. Information Regarding the Reserve Account.
------------------------------------------
A. 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
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT Series 1999-4
Page 7
B. Reserve Account Investment Proceeds.
------------------------------------
Reserve Account Investment Proceeds transferred
to the Finance Charge Account on the Related
Transfer Date N/A
C. Withdrawals from the Reserve Account.
-------------------------------------
Total Withdrawals from the Reserve Account
transferred to the Finance Charge Account on
the Related Transfer Date (4.A.(d) plus 4.B.
above) N/A
D. The Portfolio Adjusted Yield.
-----------------------------
The Portfolio Adjusted Yield for the related
Monthly Period 5.66%
<PAGE>
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Signature Page
First USA Bank, N.A.
as Servicer
By: /s/ Tracie Klein
-------------------------------------
Tracie Klein
First Vice President
