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                                                                    EXHIBIT 99.3
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BANC ONE CREDIT CARD MASTER TRUST  -  SUMMARY  REPORT
Series     1995-B
<S>                                                                <C>                  <C>                    <C>
Distribution Date of:                                                     15-Mar-00
Determined as of:                                                         09-Mar-00
For the Monthly Period Ending:                                            29-Feb-00
Days in Interest Period (30/360)                                                 30
Days in Interest Period (Actual/360)                                             29

                                                                          Beginning               Ending               Change
                                                                          ---------               ------               ------
Pool Balance (Principal)                                           4,134,989,349.14     4,064,132,311.96       (70,857,037.18)
Excess Funding Account                                                         0.00                 0.00                 0.00

Invested Amount                                                      380,000,000.00       380,000,000.00                 0.00
Class A Invested Amount                                              357,200,000.00       357,200,000.00                 0.00
Class B Invested Amount                                               22,800,000.00        22,800,000.00                 0.00

Principal Funding Account                                                      0.00                 0.00                 0.00

Adjusted Invested Amount                                             380,000,000.00       380,000,000.00                 0.00
Class A Adjusted Invested Amount                                     357,200,000.00       357,200,000.00                 0.00
Class B Adjusted Invested Amount                                      22,800,000.00        22,800,000.00                 0.00
Enhancement Invested Amount                                                    0.00                 0.00                 0.00

Reserve Account                                                        1,900,000.00         1,900,000.00                 0.00

Available Cash Collateral Amount                                      38,000,000.00        38,000,000.00                 0.00
Available Shared Collateral Amount                                    34,200,000.00        34,200,000.00                 0.00
Spread Account                                                        20,900,000.00        20,900,000.00                 0.00

Servicing Base Amount                                                380,000,000.00       380,000,000.00                 0.00

Allocation Percentages
----------------------
Floating Allocation Pct                                                       9.19%
Principal Allocation Pct                                                      9.19%
Class A Floating Pct                                                         94.00%
Class B Floating Pct                                                          6.00%
Class A Principal Pct                                                        94.00%
Class B Principal Pct                                                         6.00%

                                                                            Series

Allocations                                             Trust               1995-B               Class A              Class B
-----------                                    -------------------------------------------------------------------------------------
Principal Collections                          456,467,485.57         41,948,752.43        39,431,827.29         2,516,925.15

Finance Charge Collections                      75,092,671.87          6,900,916.28         6,486,861.30           414,054.98
PFA Investment Proceeds                                    NA                  0.00                 0.00                 0.00
Reserve Account Draw                                       NA                  0.00                 0.00                 0.00
                                                                              -----                -----                ----
Available Funds                                                        6,900,916.28         6,486,861.30           414,054.98

Monthly Investor Obligations
----------------------------
Servicer Interchange                                                     395,833.33           372,083.33            23,750.00
Monthly Interest                                                       1,997,850.00         1,875,300.00           122,550.00
Monthly Servicing Fee                                                     79,166.67            74,416.67             4,750.00
Defaulted Amounts                               29,277,249.96          2,690,540.18         2,529,107.77           161,432.41
                                                                      -------------        -------------          ----------
                                                                       5,163,390.18         4,850,907.77           312,482.41

Excess Spread                                                          1,898,958.51         1,635,953.53           263,004.98
Required Amount                                                                0.00                 0.00                 0.00

Cash Collateral Account
-----------------------
Cash Collateral Fee                                                                             9,504.75
Risk-Free Fee                                                                                   5,387.56
Interest on CCA Draw or Difference between Loan Interest and Deposit Interest                      0.00
                                                                                                   ----
Monthly Cash Collateral Fee                                                                    14,892.31
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<S>                                                                                       <C>
Cash Collateral Account  (continued)
-----------------------------------
Quarterly Excess Spread Percentage                                                                 5.75%
Principal Payment Rate Calculation                                                                11.49%
Calculated Current Month's Spread Account Cap                                                      5.50%
Spread Account Cap Adjustment                                                                      0.00%
Applicable Spread Account Cap Percentage                                                           5.50%
Beginning Cash Collateral Amount                                                           38,000,000.00
Required Cash Collateral Amount                                                            38,000,000.00
Cash Collateral Account Draw                                                                        0.00
Cash Collateral Account Surplus                                                                     0.00
Beginning Spread Account Balance                                                           20,900,000.00
Required Spread Account Amount                                                             20,900,000.00
Required Spread Account Draw                                                                        0.00
Required Spread Account Deposit                                                                     0.00
Spread Account Surplus                                                                              0.00

Monthly Principal & Controlled Deposit Amount
---------------------------------------------
Month of Accumulation                                                                                  0
Controlled Accumulation Amount                                                             59,533,333.33
Required PFA Balance                                                                                0.00
Beginning PFA Balance                                                                               0.00
Controlled Deposit Amount                                                                           0.00
Available Investor Principal Collections                                                   44,639,292.61
Principal Shortfall                                                                                 0.00
Shared Principal to Other Series                                                           44,639,292.61
Shared Principal from Other Series                                                                  0.00
Class A Monthly Principal                                                                           0.00
Class B Monthly Principal                                                                           0.00
Monthly Principal                                                                                   0.00
PFA Deposit                                                                                         0.00
PFA Withdrawal                                                                                      0.00
Ending PFA Balance                                                                                  0.00
Principal to Investors                                                                              0.00
Ending Class A Invested Amount                                                            357,200,000.00
Ending Class B Invested Amount                                                             22,800,000.00

Class A Accumulation Period Length
----------------------------------
Min 12 Month Historical Prin Pmt Rate                                                             10.71%
Revolving Investor Interest                                                               630,000,000.00
Class A Invested Amount                                                                   357,200,000.00
Available Principal                                                                        67,452,497.06
Class A Accumulation Period Length                                                                     6

Reserve Account
---------------
Available Reserve Account Amount                                                            1,900,000.00
Covered Amount                                                                                      0.00
Reserve Draw Amount                                                                                 0.00
Portfolio Yield                                                                                   13.80%
Reserve Account Factor                                                                            50.00%
Portfolio Adjusted Yield                                                                           6.73%
Reserve Account Funding Period Length                                                                  3
Reserve Account Funding Date                                                                   15-Jan-00
Weighted Average Coupon                                                                            6.31%
Required Reserve Account Amount                                                             1,900,000.00
Reserve Account Surplus                                                                         8,794.10
Required Reserve Account Deposit                                                                    0.00
Portfolio Yield - 3 month average                                                                 15.14%
Base Rate - 3 month average                                                                        8.31%
(Portfolio Yield 3 mo avg) - (Base Rate 3 mo avg)                                                  6.83%
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*Note: For purposes of reporting balances, beginning refers to the balances as
of the distribution date in the current Monthly Period, and ending refers to the
balances as of the upcoming Distribution Date. The Floating Allocation
Percentage is based on the Adjusted Invested Amount as of the last day of the
Monthly Period preceding the current Monthly Period.