Jul-2002 1995-A Page 1

Exhibit 99.3

MONTHLY STATEMENT TO CERTIFICATEHOLDERS

SERIES 1995-A

CC MASTER CREDIT CARD TRUST II

(Formerly Chevy Chase Master Credit Card Trust II)

RECEIVABLES
Beginning of the Month Principal Receivables:	$2,591,257,172.52
Beginning of the Month Finance Charge Receivables:	$136,465,334.68
Beginning of the Month Discounted Receivables:	$0.00
Beginning of the Month Total Receivables:	$2,727,722,507.20
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:	$2,602,535,610.14
End of the Month Finance Charge Receivables:	$134,564,716.92
End of the Month Discounted Receivables:	$0.00
End of the Month Total Receivables:	$2,737,100,327.06
Special Funding Account Balance	$0.00
Aggregate Adjusted Invested Amount (all Master Trust II Series)	$1,466,000,000.00
End of the Month Transferor Amount	$1,136,535,610.14
End of the Month Transferor Percentage	43.67%
DELINQUENCIES AND LOSSES
End of the Month Delinquencies:
30-59 Days Delinquent	$59,242,171.64
60-89 Days Delinquent	$40,071,503.69
90+ Days Delinquent	$77,382,826.68
Total 30+ Days Delinquent	$176,696,502.01
Delinquent Percentage	6.46%
Defaulted Accounts During the Month	$17,353,976.02
Annualized Default Percentage	8.04%

Jul-2002 1995-A Page 2

Principal Collections	$285,284,274.64
Principal Payment Rate	11.01%
Total Payment Rate	11.91%
INITIAL INVESTED AMOUNTS
Class A Initial Invested Amount	$368,000,000.00
Class B Initial Invested Amount	$32,000,000.00
TOTAL INITIAL INVESTED AMOUNT	$400,000,000.00
INVESTED AMOUNTS, as of August 15, 2002
Class A Invested Amount	$0.00
Class B Invested Amount	$0.00
TOTAL INVESTED AMOUNT	$0.00
ADJUSTED INVESTED AMOUNTS, as of August 15, 2002
Class A Adjusted Invested Amount	$0.00
Class B Adjusted Invested Amount	$0.00
TOTAL ADJUSTED INVESTED AMOUNT	$0.00
FLOATING ALLOCATION PERCENTAGE	1.23%
PRINCIPAL ALLOCATION PERCENTAGE	15.44%
MONTHLY SERVICING FEE	$20,000.00
INVESTOR DEFAULT AMOUNT	$214,308.04
CLASS A AVAILABLE FUNDS
CLASS A FLOATING ALLOCATION PERCENTAGE	0.00%
Class A Finance Charge Collections	$0.00
Other Amounts	$0.00
TOTAL CLASS A AVAILABLE FUNDS	$0.00
Class A Monthly Interest	$0.00
Class A Servicing Fee	$0.00
Class A Investor Default Amount	$0.00
TOTAL CLASS A EXCESS SPREAD	$0.00
REQUIRED AMOUNT	$0.00

Jul-2002 1995-A Page 3

CLASS B AVAILABLE FUNDS
CLASS B FLOATING ALLOCATION PERCENTAGE	100.00	%
Class B Finance Charge Collections	$541,739.76
Other Amounts	$0.00
TOTAL CLASS B AVAILABLE FUNDS	$541,739.76
Class B Monthly Interest	$60,587.78
Class B Servicing Fee	$20,000.00
TOTAL CLASS B EXCESS SPREAD	$461,151.98
EXCESS SPREAD
TOTAL EXCESS SPREAD	$461,151.98
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 Items	$214,308.04
Excess Spread Applied to Class B Investor Charge Offs	$0.00
Excess Spread Applied to Monthly Cash Collateral Fee	$0.00
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	$0.00
TOTAL EXCESS FINANCE CHARGE COLLECTIONS ELIGIBLE FOR GROUP I	$246,843.94

Jul-2002 1995-A Page 4

EXCESS FINANCE CHARGE COLLECTIONS — GROUP I
TOTAL EXCESS FINANCE CHARGE COLLECTIONS FOR ALL SERIES IN GROUP I	$	9,800,160.61
SERIES 1995-A EXCESS FINANCE CHARGE COLLECTIONS
EXCESS FINANCE CHARGE COLLECTIONS ALLOCATED TO SERIES 1995-A		$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 Items		$0.00
Excess Finance Charge Collections applied to Class B Investor Charge Offs		$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)		4.20	%
Base Rate (Prior Month)		4.20	%
Base Rate (Two Months Ago)		4.10	%
THREE MONTH AVERAGE BASE RATE		4.17	%
Portfolio Yield (Current Month)		12.28	%
Portfolio Yield (Prior Month)		6.62	%
Portfolio Yield (Two Months Ago)		12.64	%
THREE MONTH AVERAGE PORTFOLIO YIELD		10.51	%

Jul-2002 1995-A Page 5

PRINCIPAL COLLECTIONS
CLASS A PRINCIPAL PERCENTAGE	92.00	%
Class A Principal Collections	$40,514,933.90
CLASS B PRINCIPAL PERCENTAGE	8.00	%
Class B Principal Collections	$3,523,037.75
TOTAL PRINCIPAL COLLECTIONS	$44,037,971.65
INVESTOR DEFAULT AMOUNT	$214,308.04
REALLOCATED PRINCIPAL COLLECTIONS	$0.00
SHARED PRINCIPAL COLLECTIONS ALLOCABLE FROM OTHER SERIES	$0.00
CLASS A ACCUMULATION
Controlled Accumulation Amount	$0.00
Deficit Controlled Accumulation Amount	$0.00
CONTROLLED DISTRIBUTION AMOUNT	$0.00
CLASS B ACCUMULATION
Controlled Accumulation Amount	$16,000,000.00
Deficit Controlled Accumulation Amount	$0.00
CONTROLLED DISTRIBUTION AMOUNT	$16,000,000.00
EXCESS PRINCIPAL COLLECTIONS ELIGIBLE FOR PRINCIPAL SHARING	$28,252,279.69
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	$0.00
Available Cash Collateral Amount	$4,000,000.00

Jul-2002 1995-A 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	$	4,000,000.00

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