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The following is an excerpt from a 10-K SEC Filing, filed by FIRST USA BANK NATIONAL ASSOCIATION on 3/27/2002.
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CHASE BANK USA, NATIONAL ASSOCIATION - 10-K - 20020327 - PROPERTIES

ITEM 2. PROPERTIES

The property of the First USA Credit Card Master Trust (the "Trust") includes and will include receivables (the "Receivables") arising under certain VISA(R) and MasterCard(R)* revolving credit card accounts (the "Accounts") selected by the Transferor from a portfolio of VISA and MasterCard credit card accounts owned by First USA Bank, National Association (the "Transferor"), all monies due or to become due in payment of the Receivables, all proceeds of the Receivables and all monies on deposit in certain bank accounts of the Trust (other than certain investment earnings on such amounts), all amounts received by the Transferor or the Servicer with respect to Receivables in accounts which are written off as uncollectible ("Recoveries") and any Enhancement issued with respect to any undivided ownership interest in the assets of the Trust issued from time to time in one or more Series ("Series") or any class of such Series (a "Class"). The term "Enhancement" means, with respect to any Series or Class, any letter of credit, cash collateral account or guaranty, collateral invested amount, guaranteed rate agreement, maturity guaranty facility, tax protection agreement, interest rate swap or other contract or agreement for the benefit of certificateholders of such Series or Class. Enhancement may also take the form of subordination of one or more classes of a Series to any other Class or Classes of a Series or a cross-support feature which requires collections on receivables of one Series to be paid as principal and/or interest with respect to another Series.

The Transferor originally conveyed to the Trustee all Receivables existing under certain Accounts that were selected by the Transferor from the portfolio of VISA and MasterCard credit card accounts owned by the Transferor (the "Bank Portfolio"), based on criteria provided in the Pooling and Servicing Agreement as applied on August 21, 1992 (the "Cut Off Date"). Since the Cut Off Date, the Transferor has transferred to the Trust the Receivables in certain additional Accounts ("Additional Accounts") in accordance with the provisions of the Pooling and Servicing Agreement. The Transferor expects from time to time (subject to certain limitations and conditions), and in certain circumstances will be obligated, to designate Additional Accounts the Receivables in which will be included in the Trust. The Transferor will transfer to the Trust all Receivables in such Additional Accounts, whether such Receivables are then existing or thereafter created. The addition to the Trust of Receivables in Additional Accounts will be subject to certain conditions including, among others, that (a) each such Additional Account must be an eligible account at the time of its designation for inclusion in the Trust and (b) no selection procedure believed by the Transferor to be materially adverse to the interests of the holders of any Series of certificates will have been used in selecting such Additional Accounts.

The Receivables conveyed to the Trust have arisen and will arise in Accounts selected from the Bank Portfolio on the basis of criteria set forth in the Pooling and Servicing Agreement (the "Trust Portfolio"). The Receivables in the Trust Portfolio, as of the close of business on December 31, 2001, consisted of $35,441,778,098.79 of Principal Receivables and $689,630,539.28 of Finance Charge Receivables. As of December 31, 2001, Cardholders whose Accounts are included in the Trust Portfolio, had billing addresses in 50 states, the District of Columbia and other United States territories and possessions.


*VISA(R) and MasterCard(R) and are registered trademarks of Visa USA Incorporated and MasterCard International Incorporated, respectively.

5

The following table summarizes the Composition by Period of Delinquency for the Trust Portfolio as of the close of business on December 31, 2001. Because the future composition of the Trust Portfolio may change over time, this table is not necessarily indicative of the composition of the Trust Portfolio at any subsequent time.

Composition by Period of Delinquency Trust Portfolio

       Period of Delinquency                              Percentage
       (Days Contractually               Amount of         of Total
           Delinquent)                  Receivables       Receivables
           ----------                   -----------       -----------
30 to 59 Days ...................   $  523,818,312.65        1.45%
60 to 89 Days ...................   $  379,140,322.18        1.05%
90 to 119 Days ..................   $  282,026,938.94        0.78%
120 to 149 Days .................   $  211,723,033.23        0.59%
150 to 179 Days .................   $  174,776,310.60        0.48%
180 or More Days ................   $            0.00        0.00%
Total ...........................   $1,571,484,917.60        4.35%
                                    =================        =====

The aggregate amount of Receivables written off during the twelve-month reporting period was $2,135,431,998. The investor percentage of Principal Receivables written off (the "Investor Default Amount") during the reporting period was $1,659,314,507. The Investor Default Amount as a percentage of the average invested amount outstanding during the reporting period was approximately 6.26%.

ITEM 3. LEGAL PROCEEDINGS

There are no material pending legal proceedings with respect to the Trust, involving the Trust, the Trustee or the Registrant. The Bank is a defendant in various lawsuits, including lawsuits seeking class action certification in both state and federal courts. These lawsuits challenge certain policies and practices of the Bank's credit card business. A few of these lawsuits have been conditionally certified as class actions. The Bank has defended itself against claims in the past and intends to continue to do so in the future. While it is impossible to predict the outcome of any of these lawsuits, the Bank believes that any liability which might result from these lawsuits will not have a material adverse effect on the Trust.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

None.

6

PART II

ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED

STOCKHOLDER MATTERS

As of December 31, 2001, the number of holders of record identified by the Depository Trust Company for the respective Series is as follows:

Investor Certificate Description                              Record Holders
----------------------------------------------------------------------------
Series 1994-6 Class A                                              17
Series 1994-6 Class B                                               4

Series 1995-2 Class A                                              23

Series 1996-2 Class A                                              11
Series 1996-2 Class B                                               4

Series 1996-4 Class A                                              12
Series 1996-4 Class B                                               3

Series 1996-6 Class A                                              26
Series 1996-6 Class B                                               8

Series 1996-8 Class A                                              12
Series 1996-8 Class B                                               3

Series 1997-1 Class A                                              12
Series 1997-1 Class B                                               5

Series 1997-2 Class A                                              17
Series 1997-2 Class B                                               7

Series 1997-3 Class A                                              10
Series 1997-3 Class B                                               2

Series 1997-4 Class A                                              10
Series 1997-4 Class B                                               3

Series 1997-5 Class A                                              11
Series 1997-5 Class B                                               2

Series 1997-6 Class A                                              61
Series 1997-6 Class B                                              14

Series 1997-7 Class A                                              14
Series 1997-7 Class B                                               3

Series 1997-8 Class A                                               8
Series 1997-8 Class B                                               3

7

Investor Certificate Description                             Record Holders
---------------------------------------------------------------------------

Series 1997-9 Class A                                               3
Series 1997-9 Class B                                               1

Series 1998-1 Class A                                              18
Series 1998-1 Class B                                               5

Series 1998-4 Class A                                              14
Series 1998-4 Class B                                               6

Series 1998-5 Class A                                              16
Series 1998-5 Class B                                               3

Series 1998-6 Class A                                               4
Series 1998-6 Class B                                               2

Series 1998-8 Class A                                               6
Series 1998-8 Class B                                               2

Series 1998-9 Class A                                              47
Series 1998-9 Class B                                              17

Series 1999-1 Class A                                              12
Series 1999-1 Class B                                               4

Series 1999-2 Class A                                              11
Series 1999-2 Class B                                               2

Series 1999-3 Class A                                              24
Series 1999-3 Class B                                               5

Series 1999-4 Class A                                              10
Series 1999-4 Class B                                               4

Series 2001-1 Class A                                               9
Series 2001-1 Class B                                               4

Series 2001-2 Class A                                              15
Series 2001-2 Class B                                               4

Series 2001-3 Class A                                               9
Series 2001-3 Class B                                               2

Series 2001-4 Class A                                               8
Series 2001-4 Class B                                               4

There is no established public market in which the Certificates are traded.

8

ITEM 6. SELECTED FINANCIAL DATA

Not applicable.

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION
AND RESULTS OF OPERATIONS

Not applicable.

ITEM 7A. QUANTATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Not applicable.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Not applicable.

ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING
AND FINANCIAL DISCLOSURE

None.

PART III

ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

Not applicable.

ITEM 11. EXECUTIVE COMPENSATION

Not applicable.

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

(a) The following sets forth certain information believed by the Registrant to be accurate based on information provided to it concerning the beneficial ownership of investor certificates. Number of certificates identifies the number of $1,000 minimum denomination certificates beneficially owned by each such investor.

9

Beneficial owners of more than 5% of the Series 1994-6 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                               NUMBER OF              % OF
                                              CERTIFICATES         OWNERSHIP
                                              ------------         ---------

CLASS A
-------

Bank of New York (The)                          163,450              21.79%
925 Patterson Plank Road
Secaucus, NJ  07094

Bankers Trust Company                            41,800               5.57%
648 Grassmere Park Road
Nashville, TN  37211

Boston Safe Deposit and Trust Company            67,600               9.01%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

Investors Bank & Trust Company                   92,000              12.27%
200 Clarendon Street, 9th Floor
Corporate Actions Unit/TOP57
Boston, MA  02116

JPMorgan Chase Bank                             202,600              27.01%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

State Street Bank and Trust Company             123,025              16.40%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA  02171

CLASS B

Boston Safe Deposit and Trust Company            16,000              27.41%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

Citibank, N.A.                                   26,600              45.56%
3800 Citibank Center B3-15
Tampa, FL  33610

10

JPMorgan Chase Bank 14,780 25.32% c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254


Beneficial owners of more than 5% of the Series 1995-2 Class A investor certificates as of December 31, 2001, are as follows:

                                             NUMBER OF              % OF
                                            CERTIFICATES          OWNERSHIP
                                            ------------          ---------

CLASS A
-------

Bank of New York (The)                         56,335                8.54%
925 Patterson Plank Road
Secaucus, NJ  07094

Bankers Trust Company                          95,634               14.49%
648 Grassmere Park Road
Nashville, TN  37211

Brown Brothers Harriman & Co.                  39,500                5.98%
63 Wall Street, 8th Floor
New York, NY  10005

JPMorgan Chase Bank                           181,784               27.54%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

Mizuho Trust & Banking Co. (USA)               40,000                6.06%
666 Fifth Avenue, Suite 802
New York, NY  10103

State Street Bank and Trust Company            41,066                6.22%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA  02171

United States Trust Company of New York        43,431                6.58%
499 Washington Boulevard
JC3 7th Floor
Jersey City, NJ  07310

Wells Fargo Bank Minnesota, N.A.               41,450                6.28%
733 Marquette Avenue N9306-051
Minneapolis, MN  55479

_______________________________________

11

Beneficial owners of more than 5% of the Series 1996-2 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                         NUMBER OF                % OF
                                        CERTIFICATES            OWNERSHIP
                                        ------------            ---------
CLASS A
-------

Bank of New York (The)                     44,320                 7.39%
925 Patterson Plank Road
Secaucus, NJ  07094

JPMorgan Chase Bank                       193,990                32.33%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

Prudential Securities Custody              51,590                 8.60%
c/o ADP Proxy Services
51 Mercedes Way
Edgewood, NY  11717

State Street Bank and Trust Company       249,485                41.58%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA  02171

CLASS B

Bank of New York (The)                      7,000                12.89%
925 Patterson Plank Road
Secaucus, NJ  07094

Bankers Trust Company                      13,000                23.94%
648 Grassmere Park Road
Nashville, TN  37211

Citibank, N.A.                             20,000                36.83%
3800 Citibank Center B3-15
Tampa, FL  33610

JPMorgan Chase Bank                        14,300                26.34%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

___________________________________

12

Beneficial owners of more than 5% of the Series 1996-4 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                            NUMBER OF               % OF
                                           CERTIFICATES          OWNERSHIP
                                           ------------          ---------

CLASS A
-------

Bank of New York (The)                        29,000                5.80%
925 Patterson Plank Road
Secaucus, NJ  07094

Boston Safe Deposit and Trust Company         69,710               13.94%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

Deutsche Banc Alex. Brown Inc.                46,700                9.34%
Proxy Department
P. O. Box 1776
Baltimore, MD  21203

Harris Trust and Savings Bank                 35,000                7.00%
111 W. Monroe Street
Chicago, IL  60603

JPMorgan Chase Bank                          173,590               34.72%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

JPMorgan Chase Bank/                          25,000                5.00%
Correspondence Clearing Services 2
One Chase Manhattan Plaza 4-B
New York, NY  10081

Merrill Lynch, Pierce Fenner & Smith          70,000               14.00%
Safekeeping
4 Corporate Place
Corporate Park 287
Piscataway, NJ  08855

CLASS B

Bankers Trust Company 26,930 59.61% 648 Grassmere Park Road
Nashville, TN 37211

13

Boston Safe Deposit and Trust Company 16,050 35.52% 525 William Penn Place, Suite 3631
Pittsburgh, PA 15259


Beneficial owners of more than 5% of the Series 1996-6 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                               NUMBER OF            % OF
                                              CERTIFICATES       OWNERSHIP
                                              ------------       ---------
CLASS A
-------

Bank of New York (The)                          201,882            23.40%
925 Patterson Plank Rd
Secaucus, NJ  07094

Deutsche Bank A.G., New York Branch              76,936             8.92%
34 Exchange Place
Jersey City, NJ  07311


JPMorgan Chase Bank                             143,250            16.61%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

JP Morgan Chase Bank/Greenwich Capital           59,500             6.90%
4 New York Plaza, 21st Floor
New York, NY  10004

Merrill Lynch, Pierce Fenner & Smith            123,051            14.26%
Safekeeping
4 Corporate Place
Piscataway, NJ  08854

State Street Bank and Trust Company             152,582            17.69%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA  02171

CLASS B

Bank of New York (The)                            6,420             8.23%
925 Patterson Plank Road
Secaucus, NJ  07094

Bank One Trust Company, N.A.                      5,000             6.41%
340 South Cleveland Avenue, Building 350
Columbus, OH  43240

                                       14

Boston Safe Deposit and Trust Company             6,800            8.72%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

JPMorgan Chase Bank                              32,997           42.30%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

Swiss American Securities Inc.                   23,000           29.49%
12 East 49th Street, 41st Floor
New York,  NY  10017

________________________________________

Beneficial owners of more than 5% of the Series 1996-8 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                               NUMBER OF           % OF
                                              CERTIFICATES      OWNERSHIP
                                              ------------      ---------
CLASS A
-------

Boston Safe Deposit and Trust Company            55,600           13.90%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

Citibank, N.A.                                   82,500           20.63%
3800 Citibank Center B3-15
Tampa, FL  33610

JPMorgan Chase Bank                              78,800           19.70%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

State Street Bank and Trust Company             142,700           35.68%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA  02171

CLASS B

Boston Safe Deposit and Trust Company             4,800           13.26%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

Citibank, N.A.                                    5,000           13.81%
3800 Citibank Center B3-15
Tampa, FL  33610

                                       15

JPMorgan Chase Bank                                26,400          72.93%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

________________________________________

Beneficial owners of more than 5% of the Series 1997-1 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF          % OF
                                                CERTIFICATES     OWNERSHIP
                                                ------------     ---------
CLASS A
-------

Bank of New York (The)                            135,350          18.05%
925 Patterson Plank Road
Secaucus, NJ  07094

Boston Safe Deposit and Trust Company             148,482          19.80%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

Investors Bank & Trust - Institutional Custody     49,147           6.55%
200 Clarendon Street, 9th Floor
Corporate Actions Unit/TOP 57
Boston, MA  02116

JPMorgan Chase Bank                               189,000          25.20%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

State Street Bank and Trust Company               179,189          23.89%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA  02171

CLASS B

Bankers Trust Company                              27,370          40.39%
648 Grassmere Park Road
Nashville, TN  37211

Boston Safe Deposit and Trust Company              20,450          30.18%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

                                       16

JPMorgan Chase Bank                              16,900           24.94%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

________________________________________

Beneficial owners of more than 5% of the Series 1997-2 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                NUMBER OF          % OF
                                              CERTIFICATES      OWNERSHIP
                                              ------------      ---------
CLASS A
-------

Bank of New York (The)                           35,100            7.02%
925 Patterson Plank Road
Secaucus, NJ  07094

JPMorgan Chase Bank                             336,915           67.38%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

State Street Bank and Trust Company              36,628            7.33%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA  02171

CLASS B

Bank One Trust Company, N. A.                    10,000           22.13%
340 South Cleveland Avenue, Building 350
Columbus, OH  43240

Citibank, N. A.                                   3,250            7.19%
3800 Citibank Center B3-15
Tampa, FL  33610

JPMorgan Chase Bank                               3,150            6.97%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

JPMorgan Chase Bank/CCSG                         26,180           57.95%
P. O. Box 2558
Houston, TX  77252
________________________________________

17

Beneficial owners of more than 5% of the Series 1997-3 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                               NUMBER OF           % OF
                                              CERTIFICATES      OWNERSHIP
                                              ------------      ---------
CLASS A
-------

Bank of New York (The)                          107,145           21.43%
925 Patterson Plank Road
Secaucus, NJ  07094

Brown Brothers Harriman & Co.                    60,480           12.10%
63 Wall Street, 8th Floor
New York, NY  10005

JPMorgan Chase Bank                              79,800           15.96%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

Northern Trust Company (The)                     75,000           15.00%
801 S. Canal C-IN
Chicago, IL  60607

State Street Bank and Trust Company             119,575           23.92%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA  02171

CLASS B

Citibank, N.A.                                    5,000           11.07%
3800 Citibank Center B3-15
Tampa, FL  33610

JPMorgan Chase Bank                              40,180           88.93%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

________________________________________

18

Beneficial owners of more than 5% of the Series 1997-4 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                   NUMBER OF         % OF
                                                 CERTIFICATES      OWNERSHIP
                                                 ------------      ---------
CLASS A
-------

Bankers Trust Company                               58,683          11.74%
648 Grassmere Park Road
Nashville, TN  37211

Boston Safe Deposit and Trust Company              100,000          20.00%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

Deutsche Banc Alex. Brown Inc.                      52,000          10.40%
Proxy Department
P. O. Box 1776
Baltimore, MD  21203

JPMorgan Chase Bank                                165,650          33.13%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

Morgan Stanley & Co. Incorporated                   72,694          14.54%
One Pierrepoint Plaza, 7th Floor
Brooklyn, NY  11201

CLASS B

Citibank, N.A.                                       5,000          11.07%
3800 Citibank Center B3-15
Tampa, FL  33610

JPMorgan Chase Bank                                 20,180          44.66%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254


JPMorgan Chase Bank/CCSG                            20,000          44.27%
P. O. Box 2558
Houston, TX  77252

_____________________________________

19

Beneficial owners of more than 5% of the Series 1997-5 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                  NUMBER OF         % OF
                                                CERTIFICATES      OWNERSHIP
                                                ------------      ---------
CLASS A
-------

Bank of New York (The)                             117,490          18.08%
925 Patterson Plank Road
Secaucus, NJ  07094

Boston Safe Deposit and Trust Company               88,354          13.59%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

Citibank, N.A.                                      90,100          13.86%
3800 Citibank Center B3-15
Tampa, FL  33610

JPMorgan Chase Bank                                100,916          15.53%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

Northern Trust Company (The)                        54,729           8.42%
801 S. Canal C-IN
Chicago, IL  60607

State Street Bank and Trust Company                 96,124          14.79%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA  02171

Swiss American Securities Inc.                      40,000           6.15%
12 East 49th Street
New York, NY  10017

CLASS B

Bank of New York (The)                              22,735          38.71%
925 Patterson Plank Road
Secaucus, NJ  07094

                                       20

JPMorgan Chase Bank                                 36,000          61.29%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

_____________________________________

Beneficial owners of more than 5% of the Series 1997-6 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                  NUMBER OF           % OF
                                                 CERTIFICATES      OWNERSHIP
                                                 ------------      ---------
CLASS A
-------

Bank of New York (The)                              95,667           7.36%
925 Patterson Plank Road
Secaucus, NJ  07094

Bankers Trust Company                              203,948          15.69%
648 Grassmere Park Road
Nashville, TN  37211

Barclays Global Investors N.A./                     80,445           6.19%
Investors Bank & Trust
980 9th Street, 6th Floor
Sacramento, CA  95814

Boston Safe Deposit and Trust Company               74,645           5.74%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

JPMorgan Chase Bank                                415,411          31.95%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

Northern Trust Company (The)                       129,725           9.98%
801 S. Canal C-IN
Chicago, IL  60607

State Street Bank and Trust Company                 72,954           5.61%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA  02171

21

CLASS B

Bank of New York (The)                             45,480           38.72%
925 Patterson Plank Road
Secaucus, NJ  07094

Boston Safe Deposit and Trust Company               6,242            5.31%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

JPMorgan Chase Bank                                34,132           29.06%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

Salomon Smith Barney Inc./Salomon Brothers         16,703           14.22%
333 W. 34th Street, 3rd Floor
New York, NY  10001

State Street Bank and Trust Company                 8,911            7.59%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA  02171

_____________________________________

Beneficial owners of more than 5% of the Series 1997-7 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                  NUMBER OF          % OF
                                                 CERTIFICATES     OWNERSHIP
                                                 ------------     ---------
CLASS A
-------

Bank of New York (The)                             120,512          24.10%
925 Patterson Plank Road
Secaucus, NJ  07094

Bankers Trust Company                              212,178          42.44%
648 Grassmere Park Road
Nashville, TN  37211

Barclays Global Investors N.A./                     69,988          14.00%
Investors Bank & Trust
980 9th Street, 6th Floor
Sacramento, CA  95814

JPMorgan Chase Bank                                 32,650           6.53%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

                                       22

JP Morgan Chase Bank/                               25,194           5.04%
Correspondence Clearing Services 2
One Chase Manhattan Plaza 4-B
New York, NY  10081

CLASS B

Boston Safe Deposit and Trust Company                9,000          19.92%
525 William Penn Place, Suite 3631
Pittsburgh, PA  15259

JPMorgan Chase Bank/CCSG                            35,930          79.53%
P. O. Box 2558
Houston, TX  77252

_____________________________________

Beneficial owners of more than 5% of the Series 1997-8 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                  NUMBER OF          % OF
                                                 CERTIFICATES     OWNERSHIP
                                                 ------------     ---------
CLASS A
-------

JPMorgan Chase Bank                                111,300          14.27%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX  75254

JPMorgan Chase Bank/CCSG                           206,200          26.44%
P.O. Box 2558
Houston, TX  77252

United States Trust Company of New York            370,500          47.50%
JC3 7th Floor
499 Washington Boulevard
Jersey City,  NJ  07310

CLASS B

Bankers Trust Company                               20,000          28.38%
648 Grassmere Park Road
Nashville, TN  37211

JPMorgan Chase Bank/CCSG                            30,482          43.24%
P. O. Box 2558
Houston, TX  77252

                                       23

State Street Bank and Trust Company                20,000             28.38%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA 02171

___________________________________________

Beneficial owners of more than 5% of the Series 1997-9 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                               CERTIFICATES         OWNERSHIP
                                               ------------         ---------
CLASS A
-------

Bank of New York (The)                            355,155             71.03%
925 Patterson Plank Road
Secaucus, NJ 07094

Boston Safe Deposit and Trust Company             107,000             21.40%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

State Street Bank and Trust Company                37,845              7.57%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B
-------

JPMorgan Chase Bank/CCSG                           45,180            100.00%
P.O. Box 2558
Houston, TX 77252

___________________________________________

Beneficial owners of more than 5% of the Series 1998-1 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                               CERTIFICATES         OWNERSHIP
                                               ------------         ---------
CLASS A
-------

Bank of New York (The)                            225,050             32.15%
925 Patterson Plank Road
Secaucus, NJ 07094

Bankers Trust Company                             116,762             16.68%
648 Grassmere Park Road
Nashville, TN 37211

                                       24

Boston Safe Deposit and Trust Company              41,085              5.87%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

Citibank, N.A.                                     58,753              8.39%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                                88,845             12.69%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

State Street Bank and Trust Company                134,375            19.20%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bankers Trust Company                              17,000             26.88%
648 Grassmere Park Road
Nashville, TN 37211

Credit Suisse First Boston                          5,000              7.90%
c/o ADP Proxy Services
51 Mercedes Way
Edgewood, NY 11717

JPMorgan Chase Bank                                 6,000              9.49%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

JPMorgan Chase Bank/CCSG                           30,253             47.83%
P.O. Box 2558
Houston, TX 77252

SSB - Bank Portfolio                                5,000              7.90%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA 02171

___________________________________________

25

Beneficial owners of more than 5% of the Series 1998-4 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                                CERTIFICATES        OWNERSHIP
                                                ------------        ---------
CLASS A
-------

Bank of New York (The)                             90,400             12.91%
925 Patterson Plank Road
Secaucus, NJ 07094

Boston Safe Deposit and Trust Company             196,995             28.14%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

Citibank, N.A.                                     96,245             13.75%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                               123,255             17.61%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

State Street Bank and Trust Company                55,000              7.86%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

Wells Fargo Bank Minnesota, N.A.,                  38,000              5.43%
733 Marquette Avenue N9306-051
Minneapolis, MN 55479

CLASS B
-------

Bankers Trust Company                              25,253             39.92%
648 Grassmere Park Road
Nashville, TN 37211

JPMorgan Chase Bank                                27,500             43.48%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

___________________________________________

26

Beneficial owners of more than 5% of the Series 1998-5 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                                CERTIFICATES        OWNERSHIP
                                                ------------        ---------
CLASS A
-------

Bank of New York (The)                            141,250             21.73%
925 Patterson Plank Road
Secaucus, NJ 07094

Boston Safe Deposit and Trust Company              98,025             15.08%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

Citibank, N.A.                                     37,500              5.77%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                                66,800             10.28%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

Merrill Lynch, Pierce Fenner & Smith               35,000              5.38%
Safekeeping
4 Corporate Place
Piscataway, NJ 08854

State Street Bank and Trust Company               195,630             30.10%
1776 Heritage Dr.
Global Corp. Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bankers Trust Company                              33,735             57.44%
648 Grassmere Park Road
Nashville, TN 37211

Boston Safe Deposit and Trust Company              20,000             34.05%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

27

JPMorgan Chase Bank 5,000 8.51% c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254


Beneficial owners of more than 5% of the Series 1998-6 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                  NUMBER OF            % OF
                                                CERTIFICATES        OWNERSHIP
                                                ------------        ---------
CLASS A
-------

Citibank, N.A.                                    200,000             25.00%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank/CCSG                          265,000             33.13%
P.O. Box 2558
Houston, TX 77252

Merrill Lynch, Pierce Fenner & Smith              300,000             37.50%
Safekeeping
4 Corporate Place
Piscataway, NJ 08854

CLASS B

Bankers Trust Company                              30,000             41.50%
648 Grassmere Park Road
Nashville, TN 37211

JPMorgan Chase Bank/CCSG                           42,289             58.50%
P.O. Box 2558
Houston, TX 77252

___________________________________________

Beneficial owners of more than 5% of the Series 1998-8 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                  NUMBER OF            % OF
                                                CERTIFICATES        OWNERSHIP
                                                ------------        ---------
CLASS A
-------

Boston Safe Deposit and Trust Company              25,000              5.00%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

                                       28

Citibank, N.A.                                    110,000             22.00%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                                93,000             18.60%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

Merrill Lynch, Pierce Fenner & Smith              225,000             45.00%
Safekeeping
4 Corporate Place
Piscataway, NJ 08855

Swiss American Securities Inc.                     30,000              6.00%
12 East 49th Street, 41st Floor
New York, NY 10017

CLASS B

Bank of New York (The)                              3,000              6.64%
925 Patterson Plank Road
Secaucus, NJ 07094

JPMorgan Chase Bank/CCSG                           42,180             93.36%
P.O. Box 2558
Houston, TX 77252

___________________________________________

Beneficial owners of more than 5% of the Series 1998-9 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                               CERTIFICATES         OWNERSHIP
                                               ------------         ---------
CLASS A
-------
Bank of New York (The)                             75,216             11.57%
925 Patterson Plank Road
Secaucus, NJ 07094

Bankers Trust Company                             226,255             34.81%
648 Grassmere Park Road
Nashville, TN 37211

Boston Safe Deposit and Trust Company              82,215             12.65%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

                                       29

JPMorgan Chase Bank                                32,875              5.06%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

Northern Trust Company (The)                       41,796              6.43%
801 S. Canal C-IN
Chicago, IL 60607

State Street Bank and Trust Company                65,449             10.07%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bank of New York (The)                             26,283             58.63%
925 Patterson Plank Road
Secaucus, NJ 07094

Boston Safe Deposit and Trust Company               3,300              7.36%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

JPMorgan Chase Bank                                10,000             22.31%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

SSB - Bank Portfolio                                2,411              5.38%
1776 Heritage Drive
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

___________________________________________

Beneficial owners of more than 5% of the Series 1999-1 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                  NUMBER OF           % OF
                                                CERTIFICATES        OWNERSHIP
                                                ------------        ---------
CLASS A
-------

Bank of New York (The)                            125,495             12.55%
925 Patterson Plank Road
Secaucus, NJ 07094

                                       30

Bankers Trust Company                              92,700              9.27%
648 Grassmere Park Road
Nashville, TN 37211

JPMorgan Chase Bank                               297,345             29.73%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

State Street Bank and Trust Company               406,520             40.65%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bank of New York (The)                             25,361             28.07%
925 Patterson Plank Road
Secaucus, NJ 07094

Bankers Trust Company                              35,000             38.73%
648 Grassmere Park Road
Nashville, TN 37211

Mizuho Trust & Banking Co. (USA)                   25,000             27.67%
666 Fifth Avenue, Suite 802
New York, NY 10103

Wells Fargo Bank Minnesota, N.A.                    5,000              5.53%
733 Marquette Avenue, N9306-051
Minneapolis, MN 55479

___________________________________________

Beneficial owners of more than 5% of the Series 1999-2 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                               CERTIFICATES         OWNERSHIP
                                               ------------         ---------
CLASS A
-------

Bank of New York (The)                            163,500             32.70%
925 Patterson Plank Road
Secaucus, NJ 07094

Boston Safe Deposit and Trust Company             150,700             30.14%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

                                       31

Brown Brothers Harriman & Co.                      49,980             10.00%
63 Wall Street, 8th Floor
New York, NY 10005

Citibank, N.A.                                     46,350              9.27%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                                48,200              9.64%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

CLASS B

Bankers Trust Company                              25,000             55.33%
648 Grassmere Park Road
Nashville, TN 37211

Mizuho Trust & Banking Co. (USA)                   20,180             44.67%
666 Fifth Avenue, Suite 802
New York, NY 10103

___________________________________________

Beneficial owners of more than 5% of the Series 1999-3 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                NUMBER OF             % OF
                                              CERTIFICATES          OWNERSHIP
                                              ------------          ---------
CLASS A
-------

Bankers Trust Company                             154,885             22.13%
648 Grassmere Park Road
Nashville, TN 37211

Boston Safe Deposit and Trust Company              73,968             10.57%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

Citibank, N.A.                                     46,905              6.70%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                                56,070              8.01%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

                                       32

State Street Bank and Trust Company               301,870             43.12%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bankers Trust Company                              17,000             31.39%
648 Grassmere Park Road
Nashville, TN 37211

Boston Safe Deposit and Trust Company               5,500             10.15%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

Brown Brothers Harriman & Co.                       3,000              5.54%
63 Wall Street, 8th Floor
New York, NY 10005

JPMorgan Chase Bank                                 8,667             16.00%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

Mizuho Trust & Banking Co. (USA)                   20,000             36.92%
666 Fifth Avenue, Suite 802
New York, NY 10103

___________________________________________

Beneficial owners of more than 5% of the Series 1999-4 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                NUMBER OF              % OF
                                               CERTIFICATES          OWNERSHIP
                                               ------------          ---------
CLASS A
-------

Bank of New York (The)                            107,500             21.50%
925 Patterson Plank Road
34 Exchange Pl
Jersey City, NJ 07311

Boston Safe Deposit and Trust Company              78,750             15.75%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

Deutsche Bank, A.G., New York Branch               29,700              5.94%
34 Exchange Pl
Jersey City, NJ 07311

                                       33

HSBC Bank USA/Treasury Investment                  48,000              9.60%
140 Broadway - Level A
New York, NY 10015

JPMorgan Chase Bank                               103,800             20.76%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

Northern Trust Company (The)                       60,000             12.00%
801 S. Canal C-IN
Chicago, IL 60607

State Street Bank and Trust Company                50,000             10.00%
1776 Heritage Dr.
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bank of Tokyo-Mitsubishi Trust Company              8,691             22.46%
Trust Operations Dept Plaza 3
5th Floor Harborside Fin'L Ctr
Jersey City, NJ 07311-1904

Citibank, N. A.                                    20,000             51.69%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                                 9,000             23.26%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

___________________________________________

Beneficial owners of more than 5% of the Series 2001-1 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                               CERTIFICATES         OWNERSHIP
                                               ------------         ---------
CLASS A
-------

Boston Safe Deposit and Trust Company             225,000             30.00%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

                                       34

Citibank, N.A.                                     75,000             10.00%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                               285,300             38.04%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

Merrill Lynch, Pierce Fenner & Smith              117,000             15.60%
Safekeeping
4 Corporate Place
Piscataway, NJ 08854

CLASS B

Bank One Trust Company, N.A.                       10,000             17.23%
340 South Cleveland Avenue, Building 350
Columbus, OH 43240

JPMorgan Chase Bank                                10,000             17.23%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

Merrill Lynch, Pierce Fenner & Smith               18,036             31.08%
Safekeeping
4 Corporate Place
Piscataway, NJ 08854

Mizuho Trust & Banking Co. (USA)                   20,000             34.46%
666 Fifth Avenue, Suite 802
New York, NY 10103

___________________________________________

Beneficial owners of more than 5% of the Series 2001-2 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                NUMBER OF             % OF
                                               CERTIFICATES         OWNERSHIP
                                               ------------         ---------
CLASS A
-------

Bank of New York (The)                            233,000             18.64%
925 Patterson Plank Road
Secaucus, NJ 07094

                                       35

Bankers Trust Company                             220,500             17.64%
648 Grassmere Park Road
Nashville, TN 37211

Boston Safe Deposit and Trust Company             169,757             13.58%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

Citibank, N.A.                                     90,000              7.20%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                               177,250             14.18%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

Northern Trust Company (The)                       98,500              7.88%
801 S. Canal C-IN
Chicago, IL 60607

State Street Bank and Trust Company               172,000             13.76%
1776 Heritage Drive
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bankers Trust Company                              30,000             31.02%
648 Grassmere Park Road
Nashville, TN 37211

Merrill Lynch, Pierce Fenner & Smith               45,727             47.27%
Safekeeping
4 Corporate Place
Piscataway, NJ 08854

Mizuho Trust & Banking Co. (USA)                   20,000             20.68%
666 Fifth Avenue, Suite 802
New York, NY 10103

__________________________________________

36

Beneficial owners of more than 5% of the Series 2001-3 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                               CERTIFICATES         OWNERSHIP
                                               ------------         ---------
CLASS A
-------

Boston Safe Deposit and Trust Company             120,000             19.05%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

Brown Brothers Harriman & Co.                      45,000              7.14%
63 Wall Street, 8th Floor
New York, NY 10005

JPMorgan Chase Bank                               173,000             27.46%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

State Street Bank and Trust Company               261,000             41.43%
1776 Heritage Drive
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bank of New York (The)                             16,000             32.82%
925 Patterson Plank Road
Secaucus, NJ 07094

Merrill Lynch, Pierce Fenner & Smith               32,750             67.18%
Safekeeping
4 Corporate Place
Piscataway, NJ 08854

_____________________________________________

Beneficial owners of more than 5% of the Series 2001-4 Class A and Class B investor certificates as of December 31, 2001, are as follows:

                                                 NUMBER OF            % OF
                                               CERTIFICATES         OWNERSHIP
                                               ------------         ---------
CLASS A
-------

Boston Safe Deposit and Trust Company             125,800             20.97%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

                                       37

Citibank, N.A.                                     30,000              5.00%
3800 Citibank Center B3-15
Tampa, FL 33610

JPMorgan Chase Bank                               205,000             34.17%
c/o JP Morgan Investor Services
14201 Dallas Parkway, 12th Floor
Mail Code 121
Dallas, TX 75254

State Street Bank and Trust Company               205,000             34.17%
1776 Heritage Drive
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

CLASS B

Bank of New York (The)                             15,000             32.31%
925 Patterson Plank Road
Secaucus, NJ 07094

Bankers Trust Company                              15,000             32.31%
648 Grassmere Park Road
Nashville, TN 37211

Boston Safe Deposit and Trust Company              13,428             28.92%
525 William Penn Place, Suite 3631
Pittsburgh, PA 15259

State Street Bank and Trust Company                 3,000              6.46%
1776 Heritage Drive
Global Corporate Action Unit JAB 5NW
No. Quincy, MA 02171

__________________________________________

(b) Not applicable.

(c) Not applicable.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None.

38

PART IV

ITEM 14. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

(a) The following documents are filed as part of this Report:

3. Exhibits:

99.00 Independent Accountants' Reports of KPMG LLP on Management's Assertions.

(b) Not applicable.

(c) See item 14(a)3 above.

(d) Not applicable.

39

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on March 20, 2002.

FIRST USA BANK, NATIONAL ASSOCIATION
as Servicer

By:       /s/ Daniel J. Frate
    ---------------------------------
      Daniel J. Frate
      President

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on March 20, 2002.

         Signature                           Title
         ---------                           -----

     /s/ Philip Heasley               Director and Principal Executive Officer
-----------------------------
       Philip Heasley

     /s/ Raymond Fischer              Director, Principal Financial Officer and
-----------------------------
       Raymond Fischer                Principal Accounting Officer

     /s/ Daniel J. Frate              Director
-----------------------------
       Daniel J. Frate

     /s/ Michael Looney               Director
-----------------------------
       Michael Looney

     /s/ M. Carter Warren             Director
-----------------------------
       M. Carter Warren

     /s/ William Garner               Director
-----------------------------
       William Garner

40

EXHIBIT 99.00

[Letterhead of KPMG appears here]

Independent Accountants' Report

First USA Bank, National Association
The Bank of New York

We have examined the accompanying management's assertion that First USA Bank, National Association (the "Servicer") maintained effective internal control over the servicing of consumer credit card receivables in the First USA Credit Card Master Trust (the "Trust") in accordance with the Pooling and Servicing Agreement dated September 1, 1992, (the "Agreement"), by and between the Servicer and The Bank of New York (Delaware) as Trustee (the "Trustee"), based upon criteria established by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) as described in Internal Control - Integrated Framework (the "Criteria") during the period January 1, 2001 through December 31, 2001. Such criteria for testing management's assertion included controls related to the following:

. review and approval of the Agreement and related amendments in accordance with the Agreement.
. segregation of Trust loans to indicate appropriate ownership.
. timely compliance with the Agreement when either specifics with respect to a transaction or other issues or concerns are identified.
. review and approval of new additions to the Trust in accordance with the Agreement.
. changes with respect to the status of an account are made by authorized personnel in accordance with the Agreement.
. distribution of payments to investors in accordance with the Agreement.
. monitoring of triggers and events of default in accordance with the Agreement.
. the accuracy and completeness of the Monthly Servicer's Certificates in accordance with the Agreement.
. daily account activity is reflected in the Trust in accordance with the Agreement.
. review and approval of the Monthly Servicer's Certificates in accordance with the Agreement.

Management is responsible for the assertion. Our responsibility is to express an opinion on management's assertion based on our examination.

Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence supporting management's assertion and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion.

In our opinion, management's assertion referred to above is fairly stated, in all material respects, based on the Criteria.

                                  /s/ KPMG LLP

February 15, 2002


ASSERTION BY FIRST USA BANK, NATIONAL ASSOCIATION

The management of First USA Bank, National Association (the "Servicer") is responsible for maintaining effective internal control over the loan servicing for consumer credit card receivables in the First USA Credit Card Master Trust in accordance with the Pooling and Servicing Agreement dated September 1, 1992, by and between the Servicer and The Bank of New York (Delaware) as Trustee, including ensuring adequate controls are in place to ensure:

. review and approval of the Agreement and related amendments in accordance with the Agreement.
. segregation of Trust loans such to indicate appropriate ownership.
. timely compliance with the Agreement when either specifics with respect to a transaction or other issues or concerns are identified.
. review and approval of new additions to the Trust in accordance with the Agreement.
. changes with respect to the status of an account are made by authorized personnel in accordance with the Agreement.
. distribution of payments to investors in accordance with the Agreement.
. monitoring of triggers and events of default in accordance with the Agreement.
. the Monthly Servicer's Certificates contain accurate and complete information in accordance with the Agreement.
. daily account activity is reflected in the Trust in accordance with the Agreement.
. review and approval of the Monthly Servicer's Certificates in accordance with the Agreement.

Management has performed an evaluation of the control environment and based on this evaluation, management believes that the Servicer maintained effective internal control over the loan servicing for consumer credit card receivables in the First USA Credit Card Master Trust during the period January 1, 2001 through December 31, 2001, based upon criteria established by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) as described in Internal Control - Integrated Framework.

/s/ Michael Looney                                    /s/ Tracie H. Klein
---------------------------------------               --------------------------
Michael Looney                                        Tracie H. Klein
Executive Vice President - Operations                 First Vice President



/s/ Jeffrey Rigg
---------------------------------------
Jeffrey Rigg
Senior Vice President - Accounting


[Letterhead of KPMG appears here]

Independent Accountants' Report

First USA Bank, National Association
The Bank of New York

We have examined the accompanying management's assertion, that First USA Bank, National Association (the "Servicer"), complied with the requirements of Sections 2.06, 2.07, 2.08, 3.01(b), 3.04(a) and (b), 3.05, 3.06(a) and (b), 4.02(a), (b) and (c), and 4.03 of the Pooling and Servicing Agreement dated as of September 1, 1992, as amended (the "Agreement"), for the respective Agreement Supplements, noted in Attachment A (the "Supplements"), related to each Credit Card Master Trust Series listed, as amended from time to time (together, the "Agreements") between the Servicer and The Bank of New York (Delaware) as Trustee (the "Trustee") of the First USA Credit Card Master Trust, during the twelve months ended December 31, 2001. Management is responsible for the Servicer's compliance with those requirements. Our responsibility is to express an opinion on management's assertion about the Servicer's compliance based on our examination.

Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants and, accordingly, included examining, on a test basis, evidence about the Servicer's compliance with those requirements and performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion. Our examination does not provide a legal determination on the Servicer's compliance with specified requirements.

In performing this examination, we have assumed the accuracy of the reports prepared by the Servicer's third party credit card processor and did not extend our assessment to the relevant aspects of the Servicer's compliance that are the responsibility of the third party credit card processor. Accordingly, and in accordance with Section 3.06(a) of the Agreement, our assessment does not extend to these aspects of the Servicer's compliance that are the responsibility of the third party credit card processor, and we do not express any form of assurance on those compliance aspects.

In our opinion, management's assertion that the Servicer complied with the aforementioned requirements during the twelve months ended December 31, 2001 is fairly stated, in all material respects.

                                  /s/ KPMG LLP

February 15, 2002


Attachment A

   First USA Credit Card Master Trust Series                Date               Compliance Period
   -----------------------------------------                ----               -----------------
First USA Credit Card Master Trust Series 1994-4          06/01/94            01/01/01 to 11/15/01
First USA Credit Card Master Trust Series 1994-6          07/30/94            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1994-8          11/08/94            01/01/01 to 11/15/01
First USA Credit Card Master Trust Series 1995-2          03/01/95            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1996-1          03/06/96            01/01/01 to 03/15/01
First USA Credit Card Master Trust Series 1996-2          06/04/96            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1996-4          08/06/96            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1996-6          11/13/96            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1996-8          12/11/96            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-1          02/04/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-2          05/08/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-3          06/10/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-4          06/10/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-5          08/07/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-6          09/09/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-7          09/09/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-8          09/23/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-9          10/09/97            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1997-10         12/23/97            01/01/01 to 01/17/01
First USA Credit Card Master Trust Series 1998-1          05/21/98            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1998-2          05/21/98            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1998-3          06/25/98            01/01/01 to 06/18/01
First USA Credit Card Master Trust Series 1998-4          07/22/98            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1998-5          08/27/98            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1998-6          08/27/98            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1998-7          09/17/98            01/01/01 to 08/20/01
First USA Credit Card Master Trust Series 1998-8          09/17/98            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1998-9          12/22/98            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1999-1          02/24/99            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1999-2          02/24/99            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1999-3          05/04/99            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1999-4          05/26/99            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1999-A          06/28/99            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 1999-B          06/28/99            01/01/01 to 12/31/01
First USA Credit Card Master Trust Series 2001-1          01/30/01            01/30/01 to 12/31/01
First USA Credit Card Master Trust Series 2001-2          03/19/01            03/19/01 to 12/31/01
First USA Credit Card Master Trust Series 2001-3          03/29/01            03/29/01 to 12/31/01
First USA Credit Card Master Trust Series 2001-4          05/16/01            05/16/01 to 12/31/01


ASSERTION BY FIRST USA BANK, NATIONAL ASSOCIATION

The management of First USA Bank, National Association (the "Servicer") is responsible for complying with the requirements of Sections 2.06, 2.07, 2.08, 3.01(b), 3.04(a) and (b), 3.05, 3.06(a) and (b), 4.02(a), (b), and (c), and 4.03 of the Pooling and Servicing Agreement, dated as of September 1, 1992, as amended (the "Agreement") for the respective Agreement Supplements, noted in Attachment A (the "Supplements"), related to each Credit Card Master Trust Series listed, as amended from time to time (together, the "Agreements") between the Servicer and The Bank of New York (Delaware) (as Trustee for the various Certificateholders and Enhancement Providers of the First USA Credit Card Master Trust).

Management has performed an evaluation of the Servicer's compliance with the Agreements and based on this evaluation management believes that the Servicer has complied with the requirements of the sections of the Agreements referred to above during the twelve months ended December 31, 2001.

In providing this assertion on compliance, we have assumed the accuracy of the reports prepared by the Servicer's third party credit card processor and did not extend our assessment to the relevant aspects of the Servicer's compliance that are the responsibility of the third party credit card processor. Accordingly, and in accordance with Section 3.06(a) of the Agreement, our assessment does not extend to these aspects of the Servicer's compliance that are the responsibility of the third party credit card processor, and we do not express any form of assurance on these compliance aspects.

/s/ Michael Looney                                   /s/ Tracie H. Klein
-------------------------------------                ---------------------------
Michael Looney                                       Tracie H. Klein
Executive Vice President - Operations                First Vice President


/s/ Jeffrey Rigg
-------------------------------------
Jeffrey Rigg
Senior Vice President - Accounting

BROKERAGE PARTNERS