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<PAGE>
10/00 Page 1
MONTHLY STATEMENT TO CERTIFICATEHOLDERS
CC MASTER CREDIT CARD TRUST
(Formerly Chevy Chase Master Credit Card Trust)
SERIES 1995-1
<TABLE>
<S> <C>
RECEIVABLES
Beginning of the Month Principal Receivables: $ 586,149,490.11
Beginning of the Month Finance Charge Receivables: $ 31,685,509.27
Beginning of the Month Discounted Receivables: $ 0.00
Beginning of the Month Total Receivables: $ 617,834,999.38
Removed Principal Receivables: $ 0.00
Removed Finance Charge Receivables: $ 0.00
Removed Total Receivables: $ 0.00
Additional Principal Receivables: $ 0.00
Additional Finance Charge Receivables: $ 0.00
Additional Total Receivables: $ 0.00
Discounted Receivables Generated this Period: $ 0.00
End of the Month Principal Receivables: $ 577,507,765.46
End of the Month Finance Charge Receivables: $ 30,662,616.40
End of the Month Discounted Receivables: $ 0.00
End of the Month Total Receivables: $ 608,170,381.86
Special Funding Account Balance $ 0.00
Aggregate Invested Amount (all Master Trust Series) $ 30,625,000.00
End of the Month Seller Amount $ 546,882,765.46
End of the Month Seller Percentage 94.70%
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10/00 Page 2
DELINQUENCIES AND LOSSES
End of the Month Delinquencies: RECEIVABLES
30-59 Days Delinquent $ 13,271,651.95
60-89 Days Delinquent $ 9,974,080.82
90+ Days Delinquent $ 18,141,635.45
Total 30+ Days Delinquent $ 41,387,368.22
Delinquent Percentage 6.81%
Defaulted Accounts During the Month $ 4,154,238.38
Annualized Default Percentage 8.50%
Principal Collections 72,896,814.86
Principal Payment Rate 12.44%
Total Payment Rate 13.45%
INVESTED AMOUNTS
Class A Initial Invested Amount $ 273,750,000.00
Class B Initial Invested Amount $ 26,250,000.00
INITIAL INVESTED AMOUNT $ 300,000,000.00
Class A Invested Amount $ 0.00
Class B Invested Amount $ 30,625,000.00
INVESTED AMOUNT $ 30,625,000.00
FLOATING ALLOCATION PERCENTAGE 5.22%
PRINCIPAL ALLOCATION PERCENTAGE 59.71%
MONTHLY SERVICING FEE $ 38,281.25
INVESTOR DEFAULT AMOUNT $ 217,050.64
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10/00 Page 3
CLASS A AVAILABLE FUNDS--
CLASS A FLOATING PERCENTAGE 0.00%
Class A Finance Charge Collections $ 0.00
Other Amounts $ 0.00
TOTAL CLASS A AVAILABLE FUNDS $ 0.00
Class A Monthly Interest $ 0.00
Class A Servicing Fee $ 0.00
Class A Investor Default Amount $ 0.00
TOTAL CLASS A EXCESS SPREAD $ 0.00
REQUIRED AMOUNT $ 0.00
CLASS B AVAILABLE FUNDS
CLASS B FLOATING PERCENTAGE 100.00%
Class B Finance Charge Collections $ 572,122.79
Other Amounts $ 0.00
TOTAL CLASS B AVAILABLE FUNDS $ 572,122.79
Class B Monthly Interest $ 177,880.21
Class B Servicing Fee $ 38,281.25
TOTAL CLASS B EXCESS SPREAD $ 355,961.33
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10/00 Page 4
EXCESS SPREAD --
TOTAL EXCESS SPREAD $ 355,961.33
Excess Spread Applied to Required Amount $ 0.00
Excess Spread Applied to Class A Investor $ 0.00
Charge Offs
Excess Spread Applied to Class B Items $ 217,050.64
Excess Spread Applied to Class B Investor $ 0.00
Charge Offs
Excess Spread Applied to Monthly Cash $ 0.00
Collateral Fee
Excess Spread Applied to Cash Collateral $ 0.00
Account
Excess Spread Applied to other amounts owed $ 0.00
Cash Collateral Depositor
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE
FOR GROUP I $ 138,910.69
EXCESS FINANCE CHARGES COLLECTIONS -- GROUP I --
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL
SERIES IN GROUP I $ 138,910.69
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10/00 Page 5
SERIES 1995-1 EXCESS FINANCE CHARGE COLLECTIONS --
EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO $ 0.00
SERIES 1995-1
Excess Finance Charge Collections Applied to $ 0.00
Required Amount
Excess Finance Charge Collections Applied to $ 0.00
Class A Investor Charge Offs
Excess Finance Charge Collections Applied to $ 0.00
Class B Items
Excess Finance Charge Collections Applied to $ 0.00
Class B Investor Charge Offs
Excess Finance Charge Collections Applied to $ 0.00
Monthly Cash Collateral Fee
Excess Finance Charge Collections Applied to $ 0.00
Cash Collateral Account
Excess Finance Charge Collections Applied to $ 0.00
other amounts owed Cash Collateral Depositor
YIELD AND BASE RATE --
Base Rate (Current Month) 8.97%
Base Rate (Prior Month) 6.84%
Base Rate (Two Months Ago) 7.29%
THREE MONTH AVERAGE BASE RATE 7.70%
Portfolio Yield (Current Month) 13.91%
Portfolio Yield (Prior Month) 11.58%
Portfolio Yield (Two Months Ago) 14.49%
THREE MONTH AVERAGE PORTFOLIO YIELD 13.33%
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PRINCIPAL COLLECTIONS --
CLASS A PRINCIPAL PERCENTAGE 91.25%
Class A Principal Collections $ 39,719,233.76
CLASS B PRINCIPAL PERCENTAGE 8.75%
Class B Principal Collections $ 3,808,693.63
TOTAL PRINCIPAL COLLECTIONS $ 43,527,927.39
INVESTOR DEFAULT AMOUNT $ 217,050.64
SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER $ 0.00
SERIES
CLASS A AMORTIZATION --
Controlled Amortization Amount $ 0.00
Deficit Controlled Amortization Amount $ 0.00
CONTROLLED DISTRIBUTION AMOUNT $ 0.00
CLASS B AMORTIZATION --
Controlled Amortization Amount $ 15,312,500.00
Deficit Controlled Amortization Amount $ 0.00
CONTROLLED DISTRIBUTION AMOUNT $ 15,312,500.00
EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR PRINCIPAL $ 28,432,478.03
SHARING
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10/00 Page 7
INVESTOR CHARGE OFFS --
CLASS A INVESTOR CHARGE OFFS $ 0.00
CLASS B INVESTOR CHARGE OFFS $ 0.00
PREVIOUS CLASS A CHARGE OFFS REIMBURSED $ 0.00
PREVIOUS CLASS B CHARGE OFFS REIMBURSED $ 0.00
CASH COLLATERAL ACCOUNT --
Required Cash Collateral Amount $ 3,500,000.00
Available Cash Collateral Amount $ 3,500,000.00
INTEREST RATE CAP PAYMENTS --
Class A Interest Rate Cap Payments $ 0.00
Class B Interest Rate Cap Payments $ 0.00
TOTAL DRAW AMOUNT $ 0.00
CASH COLLATERAL ACCOUNT SURPLUS $ 0.00
</TABLE>
First USA Bank, National Association,
as Servicer
By: /s/ Tracie H. Klein
---------------------------------
Tracie H. Klein
First Vice President
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