Exhibit 99.5

Apr-2003 1998-A Page 1

MONTHLY STATEMENT TO CERTIFICATEHOLDERS

SERIES 1998-A

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 1998-A 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	$370,500,000.00
Class B Initial Invested Amount	$57,000,000.00
Class C Initial Invested Amount	$47,500,000.00
INITIAL INVESTED AMOUNT	$475,000,000.00
Class A Invested Amount	$0.00
Class B Invested Amount	$72,000,000.00
Class C Invested Amount	$60,000,000.00
INVESTED AMOUNT	$132,000,000.00
Class A Adjusted Invested Amount	$0.00
Class B Adjusted Invested Amount	$72,000,000.00
Class C Adjusted Invested Amount	$60,000,000.00
ADJUSTED INVESTED AMOUNT	$132,000,000.00
PREFUNDED AMOUNT	$0.00
FLOATING ALLOCATION PERCENTAGE	10.03%
PRINCIPAL ALLOCATION PERCENTAGE	24.17%
Class A Principal Allocation Percentage	78.00%
Class B Principal Allocation Percentage	12.00%
Class C Principal Allocation Percentage	10.00%
COLLECTIONS OF PRINCIPAL RECEIVABLES DURING THE MONTHLY PERIOD ALLOCATED TO SERIES 1998-A	$66,925,998.62
COLLECTIONS OF FINANCE CHARGE RECEIVABLES DURING THE MONTHLY PERIOD ALLOCATED TO SERIES 1998-A	$3,335,216.28
MONTHLY SERVICING FEE	$238,125.00
INVESTOR DEFAULT AMOUNT	$1,608,526.05

Apr-2003 1998-A Page 3

CLASS A AVAILABLE FUNDS
CLASS A FLOATING ALLOCATION PERCENTAGE	46.99%
Class A Finance Charge Collections	$2,650,374.82
Other Amounts	$0.00
TOTAL CLASS A AVAILABLE FUNDS	$2,650,374.82
Class A Monthly Interest	$569,400.00
Class A Servicing Fee	$73,125.00
Class A Investor Default Amount	$755,813.45
TOTAL CLASS A EXCESS SPREAD	$1,252,036.37
CLASS A REQUIRED AMOUNT	$0.00
CLASS B AVAILABLE FUNDS
CLASS B FLOATING ALLOCATION PERCENTAGE	28.91%
Class B Finance Charge Collections	$1,054,399.89
Other Amounts	$0.00
TOTAL CLASS B AVAILABLE FUNDS	$1,054,399.89
Class B Monthly Interest	$102,600.00
Class B Servicing Fee	$90,000.00
TOTAL CLASS B EXCESS SPREAD	$861,799.89
CLASS B INVESTOR DEFAULT AMOUNT	$465,115.97
CLASS B REQUIRED AMOUNT	$465,115.97
CLASS C FLOATING ALLOCATION PERCENTAGE	24.10%
CLASS C MONTHLY SERVICING FEE	$75,000.00

Apr-2003 1998-A Page 4

EXCESS SPREAD
TOTAL EXCESS SPREAD	$2,917,502.83
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	$465,115.97
Excess Spread Applied to Reductions of Class B Invested Amount	$0.00
Excess Spread Applied to Class C Required Amount	$503,096.63
Excess Spread Applied to Reductions of Class C Invested Amount	$0.00
Excess Spread Applied to Monthly Cash Collateral Fee	$39,687.50
Excess Spread Applied to Cash Collateral Account	$0.00
Excess Spread Applied to Spread Account	$150,000.00
Excess Spread Applied to Reserve Account	$114,958.88
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	$1,644,643.85

Apr-2003 1998-A Page 5

EXCESS FINANCE CHARGE COLLECTIONS — GROUP I
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL SERIES IN GROUP I	$3,325,311.91
SERIES 1998-A EXCESS FINANCE CHARGE COLLECTIONS
EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 1998-A	$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)	3.58%
Base Rate (Prior Month)	3.55%
Base Rate (Two Months Ago)	3.61%
THREE MONTH AVERAGE BASE RATE	3.58%
Portfolio Yield (Current Month)	5.95%
Portfolio Yield (Prior Month)	7.49%
Portfolio Yield (Two Months Ago)	6.38%
THREE MONTH AVERAGE PORTFOLIO YIELD	6.61%

Apr-2003 1998-A Page 6

PRINCIPAL COLLECTIONS
TOTAL PRINCIPAL COLLECTIONS	$66,925,998.62
INVESTOR DEFAULT AMOUNT	$1,608,526.05
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	$58,500,000.00
Deficit Controlled Accumulation Amount	$0.00
CONTROLLED DEPOSIT AMOUNT	$58,500,000.00
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	$10,034,524.67
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	$6,000,000.00
Available Cash Collateral Amount	$6,000,000.00
TOTAL DRAW AMOUNT	$0.00
CASH COLLATERAL ACCOUNT SURPLUS	$0.00

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