<PAGE>
EXHIBIT 99.3
<TABLE>
<S> <C> <C> <C> <C>
BANC ONE CREDIT CARD MASTER TRUST - SUMMARY REPORT
Series 1995-B
Distribution Date of: 17-Jul-00
Determined as of: 11-Jul-00
For the Monthly Period Ending: 30-Jun-00
Days in Interest Period (30/360) 30
Days in Interest Period (Actual/360) 32
Beginning Ending Change
--------- ------ ------
Pool Balance (Principal) 3,964,059,975.81 3,939,186,249.85 (24,873,725.96)
Excess Funding Account 0.00 0.00 0.00
Invested Amount 380,000,000.00 380,000,000.00 0.00
Class A Invested Amount 357,200,000.00 357,200,000.00 0.00
Class B Invested Amount 22,800,000.00 22,800,000.00 0.00
Principal Funding Account 178,600,000.00 238,133,333.33 59,533,333.33
Adjusted Invested Amount 201,400,000.00 141,866,666.67 (59,533,333.33)
Class A Adjusted Invested Amount 178,600,000.00 119,066,666.67 (59,533,333.33)
Class B Adjusted Invested Amount 22,800,000.00 22,800,000.00 0.00
Enhancement Invested Amount 0.00 0.00 0.00
Reserve Account 1,900,000.00 1,900,000.00 0.00
Available Cash Collateral Amount 21,926,000.00 16,568,000.00 (5,358,000.00)
Available Shared Collateral Amount 18,126,000.00 12,768,000.00 (5,358,000.00)
Spread Account 20,900,000.00 16,568,000.00 (4,332,000.00)
Servicing Base Amount 201,400,000.00 141,866,666.67 (59,533,333.33)
Allocation Percentages
----------------------
Floating Allocation Pct 6.58%
Principal Allocation Pct 9.59%
Class A Floating Pct 91.26%
Class B Floating Pct 8.74%
Class A Principal Pct 94.00%
Class B Principal Pct 6.00%
Series
Allocations Trust 1995-B Class A Class B
----------- --------------------------------------------------------------------------
Principal Collections 458,670,577.49 43,968,764.48 41,330,638.61 2,638,125.87
Finance Charge Collections 73,265,134.95 4,822,660.60 4,401,263.08 421,397.53
PFA Investment Proceeds NA 806,133.93 806,133.93 0.00
Reserve Account Draw NA 131,516.07 131,516.07 0.00
---------- ---------- ----
Available Funds 5,760,310.60 5,338,913.08 421,397.53
Monthly Investor Obligations
----------------------------
Servicer Interchange 395,833.33 361,245.95 34,587.38
Monthly Interest 1,997,850.00 1,875,300.00 122,550.00
Monthly Servicing Fee 41,958.33 38,292.07 3,666.26
Defaulted Amounts 25,354,539.40 1,668,956.71 1,523,125.54 145,831.17
------------ ------------ ----------
4,104,598.37 3,797,963.56 306,634.81
Excess Spread 1,801,543.40 1,540,949.51 260,593.89
Required Amount 0.00 0.00 0.00
Cash Collateral Account
-----------------------
Cash Collateral Fee 629.28
Risk-Free Fee 5,944.89
Interest on CCA Draw or Difference between Loan Interest and Deposit Interest 7,874.61
--------
Monthly Cash Collateral Fee 14,448.78
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C>
Cash Collateral Account (continued)
------------------------------------
Quarterly Excess Spread Percentage 5.91%
Principal Payment Rate Calculation 11.28%
Calculated Current Month's Spread Account Cap N/A
Spread Account Cap Adjustment 0.00%
Applicable Spread Account Cap Percentage N/A
Beginning Cash Collateral Amount 21,926,000.00
Required Cash Collateral Amount 16,568,000.00
Cash Collateral Account Draw 0.00
Cash Collateral Account Surplus 5,358,000.00
Beginning Spread Account Balance 20,900,000.00
Required Spread Account Amount 16,568,000.00
Required Spread Account Draw 0.00
Required Spread Account Deposit 0.00
Spread Account Surplus 4,332,000.00
Monthly Principal & Controlled Deposit Amount
---------------------------------------------
Month of Accumulation 4
Controlled Accumulation Amount 59,533,333.33
Required PFA Balance 238,133,333.33
Beginning PFA Balance 178,600,000.00
Controlled Deposit Amount 59,533,333.33
Available Investor Principal Collections 45,637,721.18
Principal Shortfall 13,895,612.15
Shared Principal to Other Series 0.00
Shared Principal from Other Series 13,895,612.15
Class A Monthly Principal 59,533,333.33
Class B Monthly Principal 0.00
Monthly Principal 59,533,333.33
PFA Deposit 59,533,333.33
PFA Withdrawal 0.00
Ending PFA Balance 238,133,333.33
Principal to Investors 0.00
Ending Class A Invested Amount 357,200,000.00
Ending Class B Invested Amount 22,800,000.00
Class A Accumulation Period Length
----------------------------------
Min 12 Month Historical Prin Pmt Rate 10.71%
Revolving Investor Interest 630,000,000.00
Class A Invested Amount 357,200,000.00
Available Principal 67,452,497.06
Class A Accumulation Period Length 6
Reserve Account
---------------
Available Reserve Account Amount 1,900,000.00
Covered Amount 937,650.00
Reserve Draw Amount 131,516.07
Portfolio Yield 13.80%
Reserve Account Factor 50.00%
Portfolio Adjusted Yield 5.90%
Reserve Account Funding Period Length 3
Reserve Account Funding Date 15-Jan-00
Weighted Average Coupon 6.31%
Required Reserve Account Amount 1,900,000.00
Reserve Account Surplus 0.00
Required Reserve Account Deposit 121,500.02
Portfolio Yield - 3 month average 13.68%
Base Rate - 3 month average 7.68%
(Portfolio Yield 3 mo avg) - (Base Rate 3 mo avg) 6.00%
*Note: For purposes of reporting balances, beginning refers to the balances as of the distribution date in the current Monthly
Period, and ending refers to the balances as of the upcoming Distribution Date. The Floating Allocation Percentage is based
on the Adjusted Invested Amount as of the last day of the Monthly Period preceding the current Monthly Period.
</TABLE>