<PAGE> 1
EXHIBIT 7.1
MONTHLY CERTIFICATEHOLDER'S STATEMENT
First of America Credit Card Master Trust Series 1995-1
Collection Period: 04/01/2000 to
04/30/2000
Distribution Date: 05/15/2000
Transfer Date: 05/12/2000
Pursuant to the Pooling and Servicing Agreement dated as of June 1, 1995, as
amended (the "Agreement"), as supplemented by the Series 1995-1 Supplement (the
"Series 1995-1 Supplement"), among National City Bank, as Seller and Servicer;
and the Bank of New York, as Trustee, National City Bank as Servicer is required
to prepare certain information each month regarding current distributions to
Certificateholders and the performance of the First of America Credit Card
Master Trust (the "Trust") during the previous month. The information which is
required to be prepared with respect to the Distribution Date of May 15, 2000,
and with respect to the performance of the Trust during the month of April, 2000
is set forth below. Certain of the information is presented based on the
aggregate amounts for the Trust as a whole. Capitalized terms used in this
Monthly Statement have their respective meanings set forth in the Agreement and
the Series 1995-1 Supplement.
<PAGE> 2
<TABLE>
<S> <C> <C>
A. Information Regarding Distributions to the Class A Certificateholders
1. The total amount of the distribution to Class A Certificateholders per
$1,000 original certificate principal amount $86.6051852
2. The amount of the distribution set forth in paragraph 1 above in
respect of interest on the Class A Certificates, per $1,000 original
certificate principal amount $ 3.2718519
3. The amount of the distribution set forth in paragraph 1 above in
respect of principal on the Class A Certificates, per $1,000 original
certificate principal amount $83.3333333
B. Class A Investor Charge-Offs and Reimbursement of Charge-Offs
1. The Amount of Class A Investor Charge-Offs $ 0.0000000
2. The amount of Class A Investor Charge-Offs set forth in paragraph 1
above, per $1,000 original certificate principal amount $ 0.0000000
3. The total amount reimbursed in respect of Class A Investor Charge-Offs $ 0.0000000
4. The amount set forth in paragraph 3 above, per $1,000 original
certificate principal amount $ 0.0000000
5. The amount, if any, by which the outstanding principal balance of the
Class A Certificates exceeds the Class A Invested Amount after giving
effect to all transactions on such Distribution Date $ 0.0000000
C. Information Regarding Distributions to the Class B Certificateholders
1. The total amount of the distribution to Class B Certificateholders per
$1,000 original certificate principal amount $ 5.0011111
2. The amount of the distribution set forth in paragraph 1 above in
respect of interest on the Class B Certificates, per $1,000 original
certificate principal amount $ 5.0011111
3. The amount of the distribution set forth in paragraph 1 above in
respect of principal on the Class B Certificates, per $1,000 original
certificate principal amount $ 0.0000000
D. Class B Investor Charge-Offs and Reimbursement of Charge-Offs
1. The Amount of Class B Investor Charge-Offs $ 0.0000000
2. The amount of Class B Investor Charge-Offs set forth in paragraph 1
above, per $1,000 original certificate principal amount $ 0.0000000
3. The total amount reimbursed in respect of Class B Investor Charge-Offs $ 0.0000000
4. The amount set forth in paragraph 3 above, per $1,000 original
certificate principal amount $ 0.0000000
5. The amount, if any, by which the outstanding principal balance of the
Class B Certificates exceeds the Class B Invested Amount after giving
effect to all transactions on such Distribution Date $ 0.0000000
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
RECEIVABLES
<S> <C>
Beginning of the Month Principal Receivables $549,804,843.68
Beginning of the Month Finance Charge Receivables $ 8,658,977.26
------------------------------------------------- ----------------
Beginning of the Month Total Receivables $558,463,820.94
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
End of the Month Principal Receivables $544,945,993.08
End of the Month Finance Charge Receivables $ 8,938,561.23
------------------------------------------------- ----------------
End of the Month Total Receivables $553,884,554.31
Special Funding Account Balance $ 0.00
Aggregate Invested Amount (all Master Trust Series) $343,333,333.33
End of Month Seller Amount $201,612,659.75
End of Month Seller Percentage 58.72%
DELINQUENCIES AND LOSSES
Total end of the Month Delinquencies RECEIVABLES
---------------
30 - 59 Days Delinquent $ 7,741,366.19
60 - 89 Days Delinquent $ 5,453,820.49
90+ Days Delinquent $ 3,872,138.05
---------------
Total 30+ Days Delinquent $ 17,067,324.73
Defaulted Amounts During the Month $ 1,862,717.79
INVESTED AMOUNTS
Class A Initial Invested Amount $470,000,000.00
Class B Initial Invested Amount $ 30,000,000.00
------------------------------------------------- ----------------
Total Initial Invested Amount $500,000,000.00
Class A Invested Amount $313,333,333.33
Class B Invested Amount $ 30,000,000.00
------------------------------------------------- ----------------
Total Invested Amount $343,333,333.33
Floating Allocation Percentage 62.4464%
Principal Allocation Percentage 62.4464%
Servicer Interchange Amount $ 286,111.11
Monthly Servicing Fee $ 286,111.11
------------------------------------------------- ----------------
Total Servicing Compensation $ 572,222.22
Investor Default Amount $ 1,163,200.20
CLASS A AVAILABLE FUNDS
Class A Floating Percentage 91.26%
Class A Finance Charge Collections $ 4,630,466.60
Other Amounts $ 0.00
Total Class A Available Funds $ 4,630,466.60
Class A Monthly Interest $ 1,537,770.37
Class A Servicing Fee $ 261,111.11
Class A Investor Default Amount $ 1,061,561.35
Total Class A Excess Spread $ 1,770,023.77
Required Amount $ 0.00
CLASS B AVAILABLE FUNDS
Class B Floating Percentage 8.74%
Class B Finance Charge Collections $ 443,342.55
Other Amounts $ 0.00
Total Class B Available Funds $ 443,342.55
Class B Monthly Interest $ 150,033.33
Class B Servicing Fee $ 25,000.00
Class B Investor Default Amount $ 101,638.79
Total Class B Excess Spread $ 166,670.37
Total Class B Items $ 0.00
</TABLE>
<PAGE> 4
<TABLE>
<CAPTION>
EXCESS SPREAD
<S> <C>
Total Excess Spread $1,936,694.14
Excess Spread Applied to the Required Amount $0.00
Excess Spread Applied to Class A Investor Charge-Offs $0.00
Excess Spread Applied to Class B Items $0.00
Excess Spread Applied to Class B Investor Charge-Offs $0.00
Excess Spread Applied to Cash Collateral Account $0.00
Excess Spread Applied to Monthly Cash Collateral Fee $9,043.87
Excess Spread Applied to other amounts required under the Loan Agmt $0.00
Total Excess Spread Eligible for Group 1 $1,927,650.27
SERIES 1995-1 EXCESS FINANCE CHARGE COLLECTIONS
Excess Finance Charge Collections Allocated to Series 1995-1
Excess Finance Charge Collections Applied to the Required Amount $0.00
Excess Finance Charge Collections Applied to Class A Investor Charge-Offs $0.00
Excess Finance Charge Collections Applied to Class B Items $0.00
Excess Finance Charge Collections Applied to Class B Investor Charge-Offs $0.00
Excess Finance Charge Collections Applied to Cash Collateral Account $0.00
Excess Finance Charge Collections Applied to Monthly Cash Collateral Fee $0.00
Excess Finance Charge Collections Applied to other amounts owed Cash $0.00
Collateral Depositor $0.00
Total Excess Finance Charge Collections Eligible for Group 1 $0.00
YIELD AND BASE RATE
Base Rate (Current Month) 7.3205%
Base Rate (Prior Month) 7.1932%
Base Rate (Two Months Ago) 7.0735%
Three Month Average Base Rate 7.1957%
Portfolio Yield (Current Month) 13.8580%
Portfolio Yield (Prior Month) 13.0467%
Portfolio Yield (Two Months Ago) 13.4414%
Three Month Average Portfolio Yield 13.4487%
PRINCIPAL COLLECTIONS
Class A Principal Percentage 94.00%
Class A Principal Collections $ 52,082,514.52
Class B Principal Percentage 6.00%
Class B Principal Collections $ 3,324,415.82
Total Principal Collections $ 55,406,930.39
Reallocated Principal Collections $ 0.00
Shared Principal Collections Allocable from other Series $ 0.00
</TABLE>
<PAGE> 5
<TABLE>
<CAPTION>
CLASS A AMORTIZATION
<S> <C>
Controlled Amortization Amount $39,166,666.67
Deficit Controlled Amortization Amount $ 0.00
Controlled Distribution Amount $39,166,666.67
CLASS B AMORTIZATION
Controlled Amortization Amount $ 0.00
Deficit Controlled Amortization Amount $ 0.00
Controlled Distribution Amount $ 0.00
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 $22,316,666.67
Available Cash Collateral Amount $22,316,666.67
</TABLE>
