Sep-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:	$2,600,198,200.61
Beginning of the Month Finance Charge Receivables:	$133,319,799.76
Beginning of the Month Discounted Receivables:	$0.00
Beginning of the Month Total Receivables:	$2,733,518,000.37
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:	$2,572,789,040.65
End of the Month Finance Charge Receivables:	$132,222,969.32
End of the Month Discounted Receivables:	$0.00
End of the Month Total Receivables:	$2,705,012,009.97
Special Funding Account Balance	$0.00
Aggregate Adjusted Invested Amount (all Master Trust II Series)	$1,164,800,000.00
End of the Month Transferor Amount	$1,407,989,040.65
End of the Month Transferor Percentage	54.73%
DELINQUENCIES AND LOSSES
End of the Month Delinquencies:
30-59 Days Delinquent	$65,580,772.13
60-89 Days Delinquent	$42,687,634.28
90+ Days Delinquent	$78,935,218.87
Total 30+ Days Delinquent	$187,203,625.28
Delinquent Percentage	6.92%
Defaulted Accounts During the Month	$16,097,615.15
Annualized Default Percentage	7.43%

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Principal Collections	$287,661,712.72
Principal Payment Rate	11.06%
Total Payment Rate	11.91%
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 October 15, 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 October 15, 2002
Class A Adjusted Invested Amount	$147,200,000.00
Class B Adjusted Invested Amount	$32,000,000.00
TOTAL ADJUSTED INVESTED AMOUNT	$179,200,000.00
FLOATING ALLOCATION PERCENTAGE	12.55%
PRINCIPAL ALLOCATION PERCENTAGE	15.38%
MONTHLY SERVICING FEE	$316,000.00
INVESTOR DEFAULT AMOUNT	$2,020,715.81
CLASS A AVAILABLE FUNDS
CLASS A FLOATING ALLOCATION PERCENTAGE	92.00%
Class A Finance Charge Collections	$4,987,050.58
Other Amounts	$0.00
TOTAL CLASS A AVAILABLE FUNDS	$4,987,050.58
Class A Monthly Interest	$617,532.32
Class A Servicing Fee	$276,000.00
Class A Investor Default Amount	$1,822,606.41
TOTAL CLASS A EXCESS SPREAD	$2,270,911.85
REQUIRED AMOUNT	$0.00

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CLASS B AVAILABLE FUNDS
CLASS B FLOATING ALLOCATION PERCENTAGE	8.00%
Class B Finance Charge Collections	$505,221.49
Other Amounts	$0.00
TOTAL CLASS B AVAILABLE FUNDS	$505,221.49
Class B Monthly Interest	$56,920.68
Class B Servicing Fee	$40,000.00
TOTAL CLASS B EXCESS SPREAD	$408,300.81
EXCESS SPREAD
TOTAL EXCESS SPREAD	$2,679,212.66
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	$198,109.40
Excess Spread Applied to Class B Reductions of Class B Investe	$0.00
Excess Spread Applied to Monthly Cash Collateral Fee	$14,734.58
Excess Spread Applied to Cash Collateral Account	$0.00
Excess Spread Applied to Reserve Account	$116,796.72
Excess Spread Applied to other amounts owed to Cash Collateral Depositor	$82.46
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR GROUP I	$2,349,489.50

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EXCESS FINANCE CHARGE COLLECTIONS—GROUP I
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL SERIES IN GROUP I	$8,908,584.89
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)	4.09%
Base Rate (Prior Month)	4.05%
Base Rate (Two Months Ago)	4.11%
THREE MONTH AVERAGE BASE RATE	4.08%
Portfolio Yield (Current Month)	10.41%
Portfolio Yield (Prior Month)	11.93%
Portfolio Yield (Two Months Ago)	11.76%
THREE MONTH AVERAGE PORTFOLIO YIELD	11.37%

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PRINCIPAL COLLECTIONS
CLASS A PRINCIPAL PERCENTAGE	92.00%
Class A Principal Collections	$40,712,092.74
CLASS B PRINCIPAL PERCENTAGE	8.00%
Class B Principal Collections	$3,540,181.95
TOTAL PRINCIPAL COLLECTIONS	$44,252,274.69
INVESTOR DEFAULT AMOUNT	$2,020,715.81
REALLOCATED PRINCIPAL COLLECTIONS	$0.00
SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER SERIES	$27,327,009.50
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	$23,296,000.00
Available Cash Collateral Amount	$32,864,000.00

Sep-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	$	9,568,000.00

FIRST USA BANK, NATIONAL ASSOCIATION as Servicer
	/s/    MICHAEL J. GRUBB
By:
	Michael J. Grubb
	First Vice President