EXHIBIT 99.3

Oct-2002 1995-C Page 1

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:	$2,572,789,040.65
Beginning of the Month Finance Charge Receivables:	$132,222,969.32
Beginning of the Month Discounted Receivables:	$0.00
Beginning of the Month Total Receivables:	$2,705,012,009.97
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:	$2,565,112,351.55
End of the Month Finance Charge Receivables:	$127,843,753.06
End of the Month Discounted Receivables:	$0.00
End of the Month Total Receivables:	$2,692,956,104.61
Special Funding Account Balance	$0.00
Aggregate Adjusted Invested Amount (all Master Trust II Series)	$1,026,700,000.00
End of the Month Transferor Amount	$1,538,412,351.55
End of the Month Transferor Percentage	59.97	%
DELINQUENCIES AND LOSSES
End of the Month Delinquencies:
30-59 Days Delinquent	$63,159,768.60
60-89 Days Delinquent	$44,795,417.96
90+ Days Delinquent	$80,991,486.29
Total 30+ Days Delinquent	$188,946,672.85
Delinquent Percentage	7.02	%
Defaulted Accounts During the Month	$16,003,038.40
Annualized Default Percentage	7.46	%

Oct-2002 1995-C Page 2

Principal Collections	$301,647,283.07
Principal Payment Rate	11.72	%
Total Payment Rate	12.61	%
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 November 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 November 15, 2002
Class A Adjusted Invested Amount	$73,600,000.00
Class B Adjusted Invested Amount	$32,000,000.00
TOTAL ADJUSTED INVESTED AMOUNT	$105,600,000.00
FLOATING ALLOCATION PERCENTAGE	9.83	%
PRINCIPAL ALLOCATION PERCENTAGE	15.55	%
MONTHLY SERVICING FEE	$224,000.00
INVESTOR DEFAULT AMOUNT	$1,572,444.55
CLASS A AVAILABLE FUNDS
CLASS A FLOATING ALLOCATION PERCENTAGE	87.34	%
Class A Finance Charge Collections	$4,210,318.96
Other Amounts	$0.00
TOTAL CLASS A AVAILABLE FUNDS	$4,210,318.96
Class A Monthly Interest	$653,583.33
Class A Servicing Fee	$184,000.00
Class A Investor Default Amount	$1,373,400.94
TOTAL CLASS A EXCESS SPREAD	$1,999,334.69
REQUIRED AMOUNT	$0.00

2

Oct-2002 1995-C Page 3

CLASS B AVAILABLE FUNDS

CLASS B FLOATING ALLOCATION PERCENTAGE	12.66	%
Class B Finance Charge Collections	$526,691.14
Other Amounts	$0.00
TOTAL CLASS B AVAILABLE FUNDS	$526,691.14
Class B Monthly Interest	$60,277.78
Class B Servicing Fee	$40,000.00
TOTAL CLASS B EXCESS SPREAD	$426,413.36
EXCESS SPREAD
TOTAL EXCESS SPREAD	$2,425,748.05
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	$199,043.61
Excess Spread Applied to Class B Reductions of Class B Investe	$0.00
Excess Spread Applied to Monthly Cash Collateral Fee	$9,159.47
Excess Spread Applied to Cash Collateral Account	$0.00
Excess Spread Applied to Reserve Account	$96,219.04
Excess Spread Applied to other amounts owed to Cash Collateral Depositor	$59.89
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR GROUP I	$2,121,266.04

Oct-2002 1995-C Page 4

EXCESS FINANCE CHARGE COLLECTIONS—GROUP I
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL SERIES IN GROUP I	$	8,672,586.58
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)		4.07	%
Base Rate (Prior Month)		4.09	%
Base Rate (Two Months Ago)		4.05	%
THREE MONTH AVERAGE BASE RATE		4.07	%
Portfolio Yield (Current Month)		9.49	%
Portfolio Yield (Prior Month)		10.41	%
Portfolio Yield (Two Months Ago)		11.93	%
THREE MONTH AVERAGE PORTFOLIO YIELD		10.61	%

Oct-2002 1995-C Page 5

PRINCIPAL COLLECTIONS
CLASS A PRINCIPAL PERCENTAGE		92.00	%
Class A Principal Collections	$	43,146,250.38
CLASS B PRINCIPAL PERCENTAGE		8.00	%
Class B Principal Collections		$3,751,847.85
TOTAL PRINCIPAL COLLECTIONS	$	46,898,098.23
INVESTOR DEFAULT AMOUNT		$1,572,444.55
REALLOCATED PRINCIPAL COLLECTIONS		$0.00
SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER SERIES	$	25,129,457.22
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	$	13,728,000.00
Available Cash Collateral Amount	$	23,296,000.00

Oct-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

Bank One, Delaware, National Association (Formerly First USA Bank, National Association) as Servicer
By:	/s/    MICHAEL J. GRUBB
	Michael J. Grubb First Vice President