Exhibit 99.3

MONTHLY STATEMENT TO CERTIFICATEHOLDERS

SERIES 1996-C

CC MASTER CREDIT CARD TRUST II

(Formerly Chevy Chase Master Credit Card Trust II)

RECEIVABLES
Beginning of the Month Principal Receivables:	$2,482,074,747.12
Beginning of the Month Finance Charge Receivables:	$116,139,003.69
Beginning of the Month Discounted Receivables:	$0.00
Beginning of the Month Total Receivables:	$2,598,213,750.81
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:	$2,463,437,276.03
End of the Month Finance Charge Receivables:	$113,740,348.44
End of the Month Discounted Receivables:	$0.00
End of the Month Total Receivables:	$2,577,177,624.47
Special Funding Account Balance	$0.00
Aggregate Adjusted Invested Amount (all Master Trust II Series)	$463,166,666.67
End of the Month Transferor Amount	$2,000,270,609.36
End of the Month Transferor Percentage	81.20%
DELINQUENCIES AND LOSSES
End of the Month Delinquencies:
30-59 Days Delinquent	$56,006,893.42
60-89 Days Delinquent	$41,292,394.42
90+ Days Delinquent	$89,869,572.37
Total 30+ Days Delinquent	$187,168,860.21
Delinquent Percentage	7.26%
Defaulted Accounts During the Month	$16,034,063.78
Annualized Default Percentage	7.75%

Apr-2003 1996-C Page 2

Principal Collections	$276,858,884.98
Principal Payment Rate	11.15%
Total Payment Rate	11.95%
INVESTED AMOUNTS
Class A Initial Invested Amount	$184,500,000.00
Class B Initial Invested Amount	$19,125,000.00
Class C Initial Invested Amount	$21,375,000.00
INITIAL INVESTED AMOUNT	$225,000,000.00
Class A Invested Amount	$246,000,000.00
Class B Invested Amount	$25,500,000.00
Class C Invested Amount	$28,500,000.00
INVESTED AMOUNT	$300,000,000.00
Class A Adjusted Invested Amount	$191,333,333.34
Class B Adjusted Invested Amount	$25,500,000.00
Class C Adjusted Invested Amount	$28,500,000.00
ADJUSTED INVESTED AMOUNT	$245,333,333.34
PREFUNDED AMOUNT	$0.00
FLOATING ALLOCATION PERCENTAGE	12.09%
PRINCIPAL ALLOCATION PERCENTAGE	12.09%
Class A Principal Allocation Percentage	82.00%
Class B Principal Allocation Percentage	8.50%
Class C Principal Allocation Percentage	9.50%
COLLECTIONS OF PRINCIPAL RECEIVABLES DURING THE MONTHLY PERIOD ALLOCATED TO SERIES 1996-C	$33,462,999.29
COLLECTIONS OF FINANCE CHARGE RECEIVABLES DURING THE MONTHLY PERIOD ALLOCATED TO SERIES 1996-C	$4,018,332.87
MONTHLY SERVICING FEE	$340,833.33
INVESTOR DEFAULT AMOUNT	$1,937,983.18

Apr-2003 1996-C Page 3

CLASS A AVAILABLE FUNDS
CLASS A FLOATING ALLOCATION PERCENTAGE	82.00%
Class A Finance Charge Collections	$3,635,560.73
Other Amounts	$0.00
TOTAL CLASS A AVAILABLE FUNDS	$3,635,560.73
Class A Monthly Interest	$297,250.00
Class A Servicing Fee	$273,333.33
Class A Investor Default Amount	$1,589,146.21
TOTAL CLASS A EXCESS SPREAD	$1,475,831.19
CLASS A REQUIRED AMOUNT	$0.00
CLASS B AVAILABLE FUNDS
CLASS B FLOATING ALLOCATION PERCENTAGE	8.50%
Class B Finance Charge Collections	$373,433.29
Other Amounts	$0.00
TOTAL CLASS B AVAILABLE FUNDS	$373,433.29
Class B Monthly Interest	$35,806.25
Class B Servicing Fee	$31,875.00
TOTAL CLASS B EXCESS SPREAD	$305,752.04
CLASS B INVESTOR DEFAULT AMOUNT	$164,728.57
CLASS B REQUIRED AMOUNT	$164,728.57
CLASS C FLOATING ALLOCATION PERCENTAGE	9.50%
CLASS C MONTHLY SERVICING FEE	$35,625.00

Apr-2003 1996-C Page 4

EXCESS SPREAD
TOTAL EXCESS SPREAD	$2,163,324.85
Excess Spread Applied to Class A Required Amount	$0.00
Excess Spread Applied to Class A Investor Charge Offs	$0.00
Excess Spread Applied to Class B Required Amount	$164,728.57
Excess Spread Applied to Reductions of Class B
Invested Amount	$0.00
Excess Spread Applied to Class C Required Amount	$237,783.40
Excess Spread Applied to Reductions of Class C
Invested Amount	$0.00
Excess Spread Applied to Monthly Cash Collateral Fee	$62,500.00
Excess Spread Applied to Cash Collateral Account	$0.00
Excess Spread Applied to Spread Account	$0.00
Excess Spread Applied to Reserve Account	$17,644.82
Excess Spread Applied to other amounts owed to Cash Collateral Depositor	$0.00
Excess Spread Applied to other amounts owed to Spread Account Residual Interest Holders	$0.00
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR GROUP I	$1,680,668.06

Apr-2003 1996-C Page 5

EXCESS FINANCE CHARGE COLLECTIONS — GROUP I
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL SERIES IN GROUP I	$3,325,311.91
SERIES 1996-C EXCESS FINANCE CHARGE COLLECTIONS
EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 1996-C	$0.00
Excess Finance Charge Collections applied to Class A 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 Required Amount	$0.00
Excess Finance Charge Collections applied to Reductions of Class B Invested Amount	$0.00
Excess Finance Charge Collections applied to Class C Required Amount	$0.00
Excess Finance Charge Collections applied to Reductions of Class C Invested Amount	$0.00
Excess Finance Charge Collections applied to Monthly Cash Collateral Fee	$0.00
Excess Finance Charge Collections applied to other amounts owed Cash Collateral Depositor	$0.00
Excess Finance Charge Collections applied to other amounts owed to Spread Account Residual Interest Holders	$0.00
YIELD AND BASE RATE
Base Rate (Current Month)	3.36%
Base Rate (Prior Month)	3.52%
Base Rate (Two Months Ago)	3.58%
THREE MONTH AVERAGE BASE RATE	3.49%
Portfolio Yield (Current Month)	9.95%
Portfolio Yield (Prior Month)	11.61%
Portfolio Yield (Two Months Ago)	8.43%
THREE MONTH AVERAGE PORTFOLIO YIELD	10.00%

Apr-2003 1996-C Page 6

PRINCIPAL COLLECTIONS
TOTAL PRINCIPAL COLLECTIONS	$33,462,999.29
INVESTOR DEFAULT AMOUNT	$1,937,983.18
REALLOCATED PRINCIPAL COLLECTIONS
Allocable to Class C Interests	$0.00
Allocable to Class B Certificates	$0.00
SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER SERIES	$0.00
CLASS A SCHEDULED ACCUMULATION —
Controlled Accumulation Amount	$27,333,333.33
Deficit Controlled Accumulation Amount	$0.00
CONTROLLED DEPOSIT AMOUNT	$27,333,333.33
CLASS B SCHEDULED ACCUMULATION —
Controlled Accumulation Amount	$0.00
Deficit Controlled Accumulation Amount	$0.00
CONTROLLED DEPOSIT AMOUNT	$0.00
EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR PRINCIPAL SHARING	$8,067,649.14
INVESTOR CHARGE OFFS
CLASS A INVESTOR CHARGE OFFS	$0.00
CLASS B INVESTOR CHARGE OFFS	$0.00
CLASS C INVESTOR CHARGE OFFS	$0.00
PREVIOUS CLASS A CHARGE OFFS REIMBURSED	$0.00
PREVIOUS CLASS B REDUCTIONS REIMBURSED	$0.00
PREVIOUS CLASS C REDUCTIONS REIMBURSED	$0.00
CASH COLLATERAL ACCOUNT
Required Cash Collateral Amount	$7,360,000.00
Available Cash Collateral Amount	$8,180,000.00
TOTAL DRAW AMOUNT	$0.00
CASH COLLATERAL ACCOUNT SURPLUS	$820,000.00

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