Aug-2002 1995-C Page 1

Exhibit 99.3

MONTHLY STATEMENT TO CERTIFICATEHOLDERS

SERIES 1995-C

CC MASTER CREDIT CARD TRUST II

(Formerly Chevy Chase Master Credit Card Trust II)

RECEIVABLES
Beginning of the Month Principal Receivables:	$2,602,535,610.14
Beginning of the Month Finance Charge Receivables:	$134,564,716.92
Beginning of the Month Discounted Receivables:	$0.00
Beginning of the Month Total Receivables:	$2,737,100,327.06
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:	$2,600,198,200.61
End of the Month Finance Charge Receivables:	$133,319,799.76
End of the Month Discounted Receivables:	$0.00
End of the Month Total Receivables:	$2,733,518,000.37
Special Funding Account Balance	$0.00
Aggregate Adjusted Invested Amount (all Master Trust II Series)	$1,307,400,000.00
End of the Month Transferor Amount	$1,292,798,200.61
End of the Month Transferor Percentage	49.72	%
DELINQUENCIES AND LOSSES
End of the Month Delinquencies:
30-59 Days Delinquent	$61,702,423.03
60-89 Days Delinquent	$39,967,329.88
90+ Days Delinquent	$77,526,273.18
Total 30+ Days Delinquent	$179,196,026.09
Delinquent Percentage	6.56	%
Defaulted Accounts During the Month	$15,679,363.95
Annualized Default Percentage	7.23	%

Aug-2002 1995-C Page 2

Principal Collections	$291,621,307.65
Principal Payment Rate	11.21	%
Total Payment Rate	12.05	%
INITIAL INVESTED AMOUNTS
Class A Initial Invested Amount	$322,000,000.00
Class B Initial Invested Amount	$28,000,000.00
TOTAL INITIAL INVESTED AMOUNT	$350,000,000.00
INVESTED AMOUNTS, as of September 16, 2002
Class A Invested Amount	$368,000,000.00
Class B Invested Amount	$32,000,000.00
TOTAL INVESTED AMOUNT	$400,000,000.00
ADJUSTED INVESTED AMOUNTS, as of September 16, 2002
Class A Adjusted Invested Amount	$220,800,000.00
Class B Adjusted Invested Amount	$32,000,000.00
TOTAL ADJUSTED INVESTED AMOUNT	$252,800,000.00
FLOATING ALLOCATION PERCENTAGE	15.37	%
PRINCIPAL ALLOCATION PERCENTAGE	15.37	%
MONTHLY SERVICING FEE	$408,000.00
INVESTOR DEFAULT AMOUNT	$2,409,859.65
CLASS A AVAILABLE FUNDS
CLASS A FLOATING ALLOCATION PERCENTAGE	92.00	%
Class A Finance Charge Collections	$5,876,979.34
Other Amounts	$0.00
TOTAL CLASS A AVAILABLE FUNDS	$5,876,979.34
Class A Monthly Interest	$667,306.67
Class A Servicing Fee	$368,000.00
Class A Investor Default Amount	$2,217,070.88
TOTAL CLASS A EXCESS SPREAD	$2,624,601.79
REQUIRED AMOUNT	$0.00

Aug-2002 1995-C Page 3

CLASS B AVAILABLE FUNDS
CLASS B FLOATING ALLOCATION PERCENTAGE	8.00	%
Class B Finance Charge Collections	$511,041.66
Other Amounts	$0.00
TOTAL CLASS B AVAILABLE FUNDS	$511,041.66
Class B Monthly Interest	$61,582.22
Class B Servicing Fee	$40,000.00
TOTAL CLASS B EXCESS SPREAD	$409,459.44
EXCESS SPREAD
TOTAL EXCESS SPREAD	$3,034,061.23
Excess Spread Applied to Required Amount	$0.00
Excess Spread Applied to Class A Investor Charge Offs	$0.00
Excess Spread Applied to Class B Interest, Servicing Fee, and Default Amount	$192,788.77
Excess Spread Applied to Class B Reductions of Class B Investe	$0.00
Excess Spread Applied to Monthly Cash Collateral Fee	$29,866.67
Excess Spread Applied to Cash Collateral Account	$0.00
Excess Spread Applied to Reserve Account	$0.00
Excess Spread Applied to other amounts owed to Cash Collateral Depositor	$173.96
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR GROUP I	$2,811,231.83

Aug-2002 1995-C Page 4

EXCESS FINANCE CHARGE COLLECTIONS — GROUP I
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL SERIES IN GROUP I	$6,928,495.39
SERIES 1995-C EXCESS FINANCE CHARGE COLLECTIONS
EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 1995-C	$0.00
Excess Finance Charge Collections applied to 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 Interest, Servicing Fee, and Default Items	$0.00
Excess Finance Charge Collections applied to Reductions of Class B Invested Amount	$0.00
Excess Finance Charge Collections applied to Monthly Cash Collateral Fee	$0.00
Excess Finance Charge Collections applied to Cash Collateral Account	$0.00
Excess Finance Charge Collections applied to Reserve Account	$0.00
Excess Finance Charge Collections applied to other amounts owed Cash Collateral Depositor	$0.00
YIELD AND BASE RATE
Base Rate (Current Month)	4.05	%
Base Rate (Prior Month)	4.11	%
Base Rate (Two Months Ago)	4.11	%
THREE MONTH AVERAGE BASE RATE	4.09	%
Portfolio Yield (Current Month)	11.93	%
Portfolio Yield (Prior Month)	11.76	%
Portfolio Yield (Two Months Ago)	11.49	%
THREE MONTH AVERAGE PORTFOLIO YIELD	11.73	%

Aug-2002 1995-C Page 5

PRINCIPAL COLLECTIONS
CLASS A PRINCIPAL PERCENTAGE	92.00	%
Class A Principal Collections	$41,235,417.03
CLASS B PRINCIPAL PERCENTAGE	8.00	%
Class B Principal Collections	$3,585,688.45
TOTAL PRINCIPAL COLLECTIONS	$44,821,105.48
INVESTOR DEFAULT AMOUNT	$2,409,859.65
REALLOCATED PRINCIPAL COLLECTIONS	$0.00
SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER SERIES	$26,369,034.87
CLASS A ACCUMULATION
Controlled Accumulation Amount	$73,600,000.00
Deficit Controlled Accumulation Amount	$0.00
CONTROLLED DISTRIBUTION AMOUNT	$73,600,000.00
CLASS B ACCUMULATION
Controlled Accumulation Amount	$0.00
Deficit Controlled Accumulation Amount	$0.00
CONTROLLED DISTRIBUTION AMOUNT	$0.00
EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR PRINCIPAL SHARING	$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	$32,864,000.00
Available Cash Collateral Amount	$52,000,000.00

Aug-2002 1995-C Page 6

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	$19,136,000.00

First USA Bank, National Association as Servicer
By:	/s/  Michael J. Grubb
	Michael J. Grubb First Vice President