##### Table of Contents

---

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

---

FORM
10-K

---

xANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the Fiscal Year Ended December 31, 2002

oTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Commission file number 033-50600-01

---

BANK
ONE, DELAWARE, NATIONAL ASSOCIATION

(formerly FIRST USA BANK, NATIONAL ASSOCIATION)(Exact name of registrant as specified
in its charter)(As Servicer on behalf of First USA Credit Card Master Trust)

---

| | Laws of the United States(State or other jurisdiction ofincorporation or
organization) |  | 51-0269396(I.R.S. EmployerIdentification No.) | 
| | -------------------------------------------------------------------------------------- |  | --------------------------------------------- | 

| | 201 North Walnut StreetWilmington, Delaware(Address of principal executive offices) |  | 19801(Zip Code) | 
| | ----------------------------------------------------------------------------------- |  | --------------- | 

Registrants telephone number, including area code: (302) 594-4000

Securities registered pursuant to Section 12(b) of the Act: NONE

Securities registered pursuant to Section 12(g) of the
Act:Series 1996-2, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1996-4, Class A Floating Rate Asset Backed Certificates and Class B
Floating Rate Asset Backed CertificatesSeries 1996-6, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1996-8, Class A Floating Rate Asset
Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1997-1, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1997-2,
Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1997-4, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1997-5, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1997-7, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset
Backed CertificatesSeries 1997-8, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1997-9, Class A Floating Rate Asset Backed Certificates and
Class B Floating Rate Asset Backed CertificatesSeries 1998-1, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1998-4, Class A Floating Rate
Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1998-5, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries
1998-6, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1998-8, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed
CertificatesSeries 1998-9, Class A 5.28% Asselt Backed Certificates and Class B 5.55% Asset Backed CertificatesSeries 1999-1, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate
Asset Backed CertificatesSeries 1999-2, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 1999-3, Class A Floating Rate Asset Backed Certificates
and Class B Floating Rate Asset Backed CertificatesSeries 2001-1, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 2001-2, Class A Floating Rate
Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries 2001-3, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed CertificatesSeries
2001-4, Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Indicate by check mark whether the Registrant: (1)
has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or such shorter period that the Registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.YES x NO o

Indicate by check mark if
disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrants knowledge, in definitive proxy or information statements incorporated by reference in Part
III of this Form 10-K or any amendment to this Form 10-K.

Not Applicable.

Indicate by check mark whether the registrant is an accelerated filer (as defined in Rule 12b-2 of the Act). Yes o NO x

State the aggregate market value of the voting stock held by non-affiliates of the Registrant. The aggregate market value shall be computed by reference to the price at which the stock was sold, or
the average bid and asked prices of such stock, as of a specified date within 60 days prior to the date of filing.

Not Applicable.

Indicate the number shares outstanding of each of the Registrants class of common stock, as of the latest practicable date.

Not Applicable.

DOCUMENTS INCORPORATED BY REFERENCE: NONE

---





---

##### Table of Contents



FIRST USA BANK, NATIONAL ASSOCIATIONFIRST USA CREDIT CARD MASTER TRUST2002 FORM 10-K
ANNUAL REPORTTABLE OF CONTENTS



|                  | PAGE
|----------------- | ----
|Introductory Note | 3   

|         |  | PART I                                                                                |     
|-------- |  | ------------------------------------------------------------------------------------- | ----
|         |  |                                                                                       | PAGE
|         |  |                                                                                       |     
|ITEM 1.  |  | Business                                                                              | 5   
|ITEM 2.  |  | Properties                                                                            | 5   
|ITEM 3.  |  | Legal Proceedings                                                                     | 6   
|ITEM 4.  |  | Submission of Matters to a Vote of Security Holders                                   | 6   
|         |  |                                                                                       |     
|         |  | PART II                                                                               |     
|         |  |                                                                                       |     
|ITEM 5.  |  | Market for Registrants Common Equity and Related Stockholder Matters                 | 7   
|ITEM 6.  |  | Selected Financial Data                                                               | 9   
|ITEM 7.  |  | Managements Discussion and Analysis of Financial Condition and Results of Operations | 9   
|ITEM 7A. |  | Quantitative and Qualitative Disclosures About Market Risk                            | 9   
|ITEM 8.  |  | Financial Statements and Supplementary Data                                           | 9   
|ITEM 9.  |  | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure  | 9   
|         |  |                                                                                       |     
|         |  | PART III                                                                              |     
|         |  |                                                                                       |     
|ITEM 10. |  | Directors and Executive Officers of the Registrant                                    | 9   
|ITEM 11. |  | Executive Compensation                                                                | 9   
|ITEM 12. |  | Security Ownership of Certain Beneficial Owners and Management                        | 9   
|ITEM 13. |  | Certain Relationships and Related Transactions                                        | 32  
|ITEM 14. |  | Controls and Procedures                                                               | 32  
|         |  |                                                                                       |     
|         |  | PART IV                                                                               |     
|         |  |                                                                                       |     
|ITEM 15. |  | Exhibits, Financial Statement Schedules and Reports on Form 8-K                       | 32  
|         |  |                                                                                       |     
|         |  | SIGNATURES                                                                            |     

|Signatures | 33
|---------- | --

2



---

##### Table of Contents

Introductory Note

Bank One, Delaware, National Association (formerly First USA Bank, National Association) (the Bank) is the transferor
and servicer (in such capacities, the Transferor and the Servicer) under the Amended and Restated Pooling and Servicing Agreement (the Agreement), dated as of March 28, 2002, and the following series supplements
(the Supplements):



|Supplement |  | Dated as of       
|---------- |  | ------------------
|           |  |                   
|           |  |                   
|1996-2     |  | June 4, 1996      
|1996-4     |  | August 6, 1996    
|1996-6     |  | December 13, 1996 
|1996-8     |  | December 11, 1996 
|1997-1     |  | February 4, 1997  
|1997-2     |  | May 8, 1997       
|1997-4     |  | June 10, 1997     
|1997-5     |  | August 7, 1997    
|1997-7     |  | September 9, 1997 
|1997-8     |  | September 23, 1997
|1997-9     |  | October 9, 1997   
|1998-1     |  | May 21, 1998      
|1998-4     |  | July 22, 1998     
|1998-5     |  | August 27, 1998   
|1998-6     |  | August 27, 1998   
|1998-8     |  | September 17, 1998
|1998-9     |  | December 22, 1998 
|1999-1     |  | February 24, 1999 
|1999-2     |  | February 24, 1999 
|1999-3     |  | May 4, 1999       
|2001-1     |  | January 30, 2001  
|2001-2     |  | March 19, 2001    
|2001-3     |  | March 29, 2001    
|2001-4     |  | May 16, 2001      

The Agreement and
Supplements are by and between the Bank, as Transferor and Servicer, and The Bank of New York (Delaware) as trustee (the Trustee), providing for the issuance of First USA Credit Card Master Trust Asset Backed Certificates (the
Certificates). The Bank is the originator of the First USA Credit Card Master Trust (the Registrant). The Certificates do not represent obligations of or interests in the Bank. Lomas Bank USA, the predecessor of the Bank,
applied for an exemption from certain reporting requirements pursuant to Section 12(h) of the Securities and Exchange Act of 1934. The Securities and Exchange Commission granted Lomas Bank USA an exemption from certain reporting requirements
pursuant to an Order of the Securities and Exchange Commission dated March 28, 1989. The Bank is relying on such order in not responding to various items of Form 10-K. Such items are designated herein as Not Applicable.

The Bank is a direct, wholly owned subsidiary of BANK ONE CORPORATION (BANK ONE).

Effective September 17,
1999, the Bank was merged with and into FCC National Bank, an affiliated national banking association, and the surviving entity. The surviving entity was renamed First USA Bank, National Association. Effective September 30, 2002, the
name of the Bank was changed to Bank One, Delaware, National Association.

3



---

##### Table of Contents

In addition to the issuance of the Certificates described above, the First USA Credit Card Master Trust has issued the following interests in the
Trust:

Class A Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates issued pursuant to the Agreement and the Series 1998-2 Supplement dated as of May 21, 1998.

Class A Variable Funding Asset Backed
Certificates and Class B Variable Funding Asset Backed Certificates issued pursuant to the Agreement and the Series 1999-A Supplement dated as of June 28, 1999.

Investor Certificate issued pursuant to the Agreement and the
Series 2002-CC Supplement dated as of May 1, 2002.

Collateral Invested Amounts, CIA Certificates and Excess Collateral which represent credit enhancement to certain series were issued pursuant to the Agreement and
the related series Supplements.

The First USA Credit Card Master Trust has made the following final payments with respect to the following Series:

The final payment with
respect to Series 1994-6 Asset Backed Certificates was made on January 15, 2002.

The final payment with respect to Series 1995-2 Asset Backed Certificates was made on March 15, 2002.

The final payment with respect to Series 1997-3 Asset Backed
Certificates was made on June 17, 2002.

The final payment with respect to Series 1997-6 Asset Backed Certificates was made on July 15, 2002.

The final payment with respect to Series 1999-4 Asset Backed
Certificates was made on May 15, 2002.

The Final payment with respect to Series 1999-B Variable Funding Asset Backed Certificates was made on July 15, 2002.

Therefore, information with respect to such certificates is not included in this report.

4



---

##### Table of Contents

PART I

ITEM
1.BUSINESS

Available Information:BANK ONE, the parent corporation of Bank One, Delaware, National Association, has an Internet
website at www.bankone.com which includes certain Trust reports. Electronic copies of the Trusts annual report on Form 10-K and current reports on Form 8-K are available free of charge by visiting the Investor Relations section of
www.bankone.com. The reports can be found under Asset Backed Securities in the Investor Relations section of the website. These reports are posted as soon as reasonably practicable after they are electronically filed with the Securities
and Exchange Commission.

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® and MasterCard® revolving credit card accounts (the Accounts) selected by the Transferor from a portfolio of VISA and MasterCard
credit card accounts owned by Bank One, Delaware, National Association (formerly 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 Agreement (the
Trust Portfolio). The Receivables in the Trust Portfolio, as of the close of business on December 31, 2002, consisted of $36,777,039,306.38 of Principal Receivables and $632,067,681.74 of Finance Charge Receivables. As

______________

*VISA® and MasterCard®and are registered trademarks of Visa USA Incorporated and MasterCard International Incorporated,
respectively.

5



---

##### Table of Contents

of December 31, 2002, 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.

The following table summarizes the Composition by Period of Delinquency for the Trust Portfolio as of the close of business on December
31, 2002. 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 DelinquencyTrust Portfolio



|Period of Delinquency(Days ContractuallyDelinquent) |  | Amount ofReceivables |                  | Percentageof TotalReceivables |     
|--------------------------------------------------- |  | -------------------- | ---------------- | ----------------------------- | ----
|                                                    |  |                      |                  |                               |     
|30 to 59 Days                                       |  | $                    | 512,567,695.59   |                               | 1.37
|60 to 89 Days                                       |  | $                    | 343,338,823.68   |                               | 0.92
|90 to 119 Days                                      |  | $                    | 273,672,176.76   |                               | 0.73
|120 to 149 Days                                     |  | $                    | 222,966,850.81   |                               | 0.60
|150 to 179 Days                                     |  | $                    | 185,630,215.63   |                               | 0.50
|180 or More Days                                    |  | $                    | 0.00             |                               | 0.00
|                                                    |  |                      |                  |                               |     
|Total                                               |  | $                    | 1,538,175,762.47 |                               | 4.12
|                                                    |  |                      |                  |                               |     

The aggregate amount of Receivables written off during the twelve-month
reporting period was $1,977,245,638. The investor percentage of Principal Receivables written off (the Investor Default Amount) during the reporting period was $1,520,134,987. The Investor Default Amount as a percentage of the average
invested amount outstanding during the reporting period was approximately 5.96%.

ITEM 3.LEGAL PROCEEDINGS

There are no materials 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



---

##### Table of Contents

PART II

ITEM
5.MARKET FOR REGISTRANTS COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

As of December 31, 2002, 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 1996-2 Class A            |               
|Series 1996-2 Class B            |               
|                                 |               
|Series 1996-4 Class A            |               
|Series 1996-4 Class B            |               
|                                 |               
|Series 1996-6 Class A            |               
|Series 1996-6 Class B            |               
|                                 |               
|Series 1996-8 Class A            |               
|Series 1996-8 Class B            |               
|                                 |               
|Series 1997-1 Class A            |               
|Series 1997-1 Class B            |               
|                                 |               
|Series 1997-2 Class A            |               
|Series 1997-2 Class B            |               
|                                 |               
|Series 1997-4 Class A            |               
|Series 1997-4 Class B            |               
|                                 |               
|Series 1997-5 Class A            |               
|Series 1997-5 Class B            |               
|                                 |               
|Series 1997-7 Class A            |               
|Series 1997-7 Class B            |               
|                                 |               
|Series 1997-8 Class A            |               
|Series 1997-8 Class B            |               

7



---

##### Table of Contents



|Investor Certificate Description | Record Holders
|-------------------------------- | --------------
|                                 |               
|Series 1997-9 Class A            |               
|Series 1997-9 Class B            |               
|                                 |               
|Series 1998-1 Class A            |               
|Series 1998-1 Class B            |               
|                                 |               
|Series 1998-4 Class A            |               
|Series 1998-4 Class B            |               
|                                 |               
|Series 1998-5 Class A            |               
|Series 1998-5 Class B            |               
|                                 |               
|Series 1998-6 Class A            |               
|Series 1998-6 Class B            |               
|                                 |               
|Series 1998-8 Class A            |               
|Series 1998-8 Class B            |               
|                                 |               
|Series 1998-9 Class A            |               
|Series 1998-9 Class B            |               
|                                 |               
|Series 1999-1 Class A            |               
|Series 1999-1 Class B            |               
|                                 |               
|Series 1999-2 Class A            |               
|Series 1999-2 Class B            |               
|                                 |               
|Series 1999-3 Class A            |               
|Series 1999-3 Class B            |               
|                                 |               
|Series 2001-1 Class A            |               
|Series 2001-1 Class B            |               
|                                 |               
|Series 2001-2 Class A            |               
|Series 2001-2 Class B            |               
|                                 |               
|Series 2001-3 Class A            |               
|Series 2001-3 Class B            |               
|                                 |               
|Series 2001-4 Class A            |               
|Series 2001-4 Class B            |               

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

8



---

##### Table of Contents

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.

Beneficial owners of more than 5% of theSeries 1996-2 Class A and Class
Binvestor certificates as of December 31, 2002, are as follows:



|                                                        |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                        |  |                       |  |               | 
|                                                        |  |                       |  |               | 
|CLASS A                                                 |  |                       |  |               | 
|                                                        |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286 |  | 117,520               |  | 19.59%        | 

9



---

##### Table of Contents



|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                    |  | 98,990  |  | 16.50% | 
|-------------------------------------------------------------------------------------------------------- |  | ------- |  | ------ | 
|                                                                                                         |  |         |  |        | 
|Prudential Securities Custodyc/o ADP Proxy Services51 Mercedes WayEdgewood, NY 11717                     |  | 51,590  |  | 8.60%  | 
|                                                                                                         |  |         |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corp. Action Unit
JAB 5NWNo. Quincy, MA 02171 |  | 246,785 |  | 41.13% | 
|                                                                                                         |  |         |  |        | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                           |  | 42,065  |  | 7.01%  | 
|                                                                                                         |  |         |  |        | 
|CLASS B                                                                                                  |  |         |  |        | 
|                                                                                                         |  |         |  |        | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                  |  | 7,000   |  | 12.89% | 
|                                                                                                         |  |         |  |        | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                           |  | 13,000  |  | 23.94% | 
|                                                                                                         |  |         |  |        | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                                  |  | 5,000   |  | 9.21%  | 
|                                                                                                         |  |         |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                    |  | 29,300  |  | 53.96% | 

10



---

##### Table of Contents

Beneficial owners of more than 5% of theSeries 1996-4 Class A and Class Binvestor certificates as of
December 31, 2002, are as follows:



|                                                                                            |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                            |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|CLASS A                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 69,710                |  | 13.94%        | 
|                                                                                            |  |                       |  |               | 
|Deutsche Bank Securities Inc.1251 Avenue of the AmericasNew York, NY
10020                  |  | 46,700                |  | 9.34%         | 
|                                                                                            |  |                       |  |               | 
|Harris Trust and Savings Bank111 W. Monroe StreetChicago, IL 60603                          |  | 35,000                |  | 7.00%         | 
|                                                                                            |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254       |  | 276,590               |  | 55.32%        | 
|                                                                                            |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                     |  | 29,000                |  | 5.80%         | 
|                                                                                            |  |                       |  |               | 
|CLASS B                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211              |  | 26,930                |  | 59.61%        | 
|                                                                                            |  |                       |  |               | 
|Boston Safe Deposit and Trust CompanyMellon TrustPittsburgh, PA
15259                       |  | 16,050                |  | 35.52%        | 

Beneficial owners of more than 5% of theSeries 1996-6 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                        |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                        |  |                       |  |               | 
|                                                        |  |                       |  |               | 
|CLASS A                                                 |  |                       |  |               | 
|                                                        |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286 |  | 215,404               |  | 24.97%        | 

11



---

##### Table of Contents



|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                  |  | 113,056.5 |  | 13.11% | 
|------------------------------------------------------------------------------------------------------------ |  | --------- |  | ------ | 
|                                                                                                             |  |           |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 152,160   |  | 17.64% | 
|                                                                                                             |  |           |  |        | 
|JP Morgan Chase Bank/Greenwich Capital4 New York Plaza, 21st FloorNew York,
NY 10004                         |  | 67,500    |  | 7.82%  | 
|                                                                                                             |  |           |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 166,071.5 |  | 19.25% | 
|                                                                                                             |  |           |  |        | 
|CLASS B                                                                                                      |  |           |  |        | 
|                                                                                                             |  |           |  |        | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                      |  | 5,000     |  | 6.41%  | 
|                                                                                                             |  |           |  |        | 
|Bank One Trust Company, N.A.340 South Cleveland Avenue, Building 350Columbus,
OH 43240                       |  | 5,000     |  | 6.41%  | 
|                                                                                                             |  |           |  |        | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                  |  | 5,650     |  | 7.24%  | 
|                                                                                                             |  |           |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 32,997    |  | 42.30% | 
|                                                                                                             |  |           |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 4,925     |  | 6.31%  | 
|                                                                                                             |  |           |  |        | 
|Swiss American Securities Inc.12 East 49th Street, 41st FloorNew
York, NY 10017                              |  | 23,000    |  | 29.49% | 

Beneficial owners of more than 5% ofthe Series 1996-8 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:

12



---

##### Table of Contents



|                                                                                                             |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------------------------ |  | --------------------- |  | ------------- | 
|                                                                                                             |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|CLASS A                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                  |  | 52,400                |  | 13.10%        | 
|                                                                                                             |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                                      |  | 82,500                |  | 20.63%        | 
|                                                                                                             |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 77,500                |  | 19.38%        | 
|                                                                                                             |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 150,900               |  | 37.73%        | 
|                                                                                                             |  |                       |  |               | 
|CLASS B                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn PlacePittsburgh, PA
15259                              |  | 4,800                 |  | 13.26%        | 
|                                                                                                             |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                                      |  | 5,000                 |  | 13.81%        | 
|                                                                                                             |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 26,400                |  | 72.93%        | 

Beneficial owners of more than 5% of theSeries 1997-1 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                        |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                        |  |                       |  |               | 
|                                                        |  |                       |  |               | 
|CLASS A                                                 |  |                       |  |               | 
|                                                        |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286 |  | 72,472                |  | 9.66%         | 

13



---

##### Table of Contents



|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                                |  | 223,782 |  | 29.84% | 
|-------------------------------------------------------------------------------------------------------------------------- |  | ------- |  | ------ | 
|                                                                                                                           |  |         |  |        | 
|Investors Bank & Trust - Institutional Custody200 Clarendon Street, 9th FloorCorporate Actions Unit/TOP 57Boston, MA 02116 |  | 49,147  |  | 6.55%  | 
|                                                                                                                           |  |         |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                                      |  | 150,970 |  | 20.13% | 
|                                                                                                                           |  |         |  |        | 
|Northern Trust Company(The)801 S. Canal C-INChicago, Il 60607                                                              |  | 41,345  |  | 5.51%  | 
|                                                                                                                           |  |         |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171               |  | 142,604 |  | 19.01% | 
|                                                                                                                           |  |         |  |        | 
|CLASS B                                                                                                                    |  |         |  |        | 
|                                                                                                                           |  |         |  |        | 
|JPMorgan Chase Bank/CorrespondenceClearing Services 2Proxy/Class
Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254    |  | 10,000  |  | 14.76% | 
|                                                                                                                           |  |         |  |        | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                                |  | 20,250  |  | 29.88% | 
|                                                                                                                           |  |         |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                                      |  | 31,900  |  | 47.07% | 

Beneficial owners of more than 5% of theSeries 1997-2 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                        |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                        |  |                       |  |               | 
|                                                        |  |                       |  |               | 
|CLASS A                                                 |  |                       |  |               | 
|                                                        |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286 |  | 61,849.999            |  | 12.37%        | 

14



---

##### Table of Contents



|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254       |  | 304,501 |  | 60.90% | 
|------------------------------------------------------------------------------------------- |  | ------- |  | ------ | 
|                                                                                            |  |         |  |        | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 30,814  |  | 6.16%  | 
|                                                                                            |  |         |  |        | 
|CLASS B                                                                                     |  |         |  |        | 
|                                                                                            |  |         |  |        | 
|Bank One Trust Company, N. A.340 South Cleveland Avenue, Building 350Columbus, OH 43240     |  | 10,000  |  | 22.13% | 
|                                                                                            |  |         |  |        | 
|Citibank, N. A.3800 Citibank Center B3-15Tampa, FL 33610                                    |  | 3,400   |  | 7.53%  | 
|                                                                                            |  |         |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy4201 Dallas
ParkwayDallas, TX 75254        |  | 29,330  |  | 64.92% | 

Beneficial owners of more than 5% of theSeries 1997-4 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                            |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                            |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|CLASS A                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Brown Brothers Harriman & Co.63 Wall Street, 8th FloorNew
York, NY 10005                    |  | 70,000                |  | 14.00%        | 
|                                                                                            |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 45,694                |  | 9.14%         | 
|                                                                                            |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, Fl 33610                                     |  | 60,500                |  | 12.10%        | 
|                                                                                            |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211              |  | 78,683                |  | 15.74%        | 

15



---

##### Table of Contents



|Deutsche Bank Securities Inc.1251 Avenue of the AmericasNew York, NY
10020                                   |  | 52,000  |  | 10.40% | 
|------------------------------------------------------------------------------------------------------------ |  | ------- |  | ------ | 
|                                                                                                             |  |         |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 106,273 |  | 21.25% | 
|                                                                                                             |  |         |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 46,420  |  | 9.28%  | 
|                                                                                                             |  |         |  |        | 
|CLASS B                                                                                                      |  |         |  |        | 
|                                                                                                             |  |         |  |        | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                                      |  | 5,000   |  | 11.07% | 
|                                                                                                             |  |         |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 40,180  |  | 88.93% | 

Beneficial owners of more than 5% of theSeries 1997-5 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                            |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                            |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|CLASS A                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                     |  | 130,840               |  | 20.13%        | 
|                                                                                            |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 138,354               |  | 21.29%        | 
|                                                                                            |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                     |  | 92,620                |  | 14.25%        | 
|                                                                                            |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254       |  | 82,116                |  | 12.63%        | 

16



---

##### Table of Contents



|State Street Bank and Trust Company1776 Heritage Dr.Global Corp. Action Unit
JAB 5NWNo. Quincy, MA 02171 |  | 92,774 |  | 14.27% | 
|-------------------------------------------------------------------------------------------------------- |  | ------ |  | ------ | 
|                                                                                                         |  |        |  |        | 
|Swiss American Securities Inc.12 East 49th StreetNew York, NY
10017                                      |  | 40,000 |  | 6.15%  | 
|                                                                                                         |  |        |  |        | 
|CLASS B                                                                                                  |  |        |  |        | 
|                                                                                                         |  |        |  |        | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                  |  | 22,735 |  | 38.71% | 
|                                                                                                         |  |        |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                    |  | 36,000 |  | 61.29% | 

Beneficial owners of more than 5% of theSeries 1997-7 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                                                        |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|----------------------------------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                                                        |  |                       |  |               | 
|                                                                                                                        |  |                       |  |               | 
|CLASS A                                                                                                                 |  |                       |  |               | 
|                                                                                                                        |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                                 |  | 100,000               |  | 20.00%        | 
|                                                                                                                        |  |                       |  |               | 
|Barclays Global Investors N.A./Investors Bank & Trust980 9th Street, 6th
FloorSacramento, CA 95814                      |  | 27,423.676            |  | 5.48%         | 
|                                                                                                                        |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                                          |  | 229,177.747           |  | 45.84%        | 
|                                                                                                                        |  |                       |  |               | 
|JPMorgan Chase Bank/CorrespondenceClearing Services 2Proxy/Class
Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254 |  | 25,194                |  | 5.04%         | 

17



---

##### Table of Contents



|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                 |  | 61,162 |  | 12.23% | 
|----------------------------------------------------------------------------------------------------- |  | ------ |  | ------ | 
|                                                                                                      |  |        |  |        | 
|CLASS B                                                                                               |  |        |  |        | 
|                                                                                                      |  |        |  |        | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259           |  | 19,000 |  | 42.05% | 
|                                                                                                      |  |        |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                 |  | 15,000 |  | 33.20% | 
|                                                                                                      |  |        |  |        | 
|Investors Bank & Trust Company200 Clarendon St, 9th FloorCorporate Actions Unit/Top57Boston, MA 02116 |  | 10,930 |  | 24.19% | 

Beneficial owners of more than 5% of theSeries 1997-8 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                                         |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|-------------------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                                         |  |                       |  |               | 
|                                                                                                         |  |                       |  |               | 
|CLASS A                                                                                                  |  |                       |  |               | 
|                                                                                                         |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                  |  | 56,000                |  | 7.18%         | 
|                                                                                                         |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                                  |  | 95,000                |  | 12.18%        | 
|                                                                                                         |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                    |  | 387,557               |  | 49.69%        | 
|                                                                                                         |  |                       |  |               | 
|Morgan Stanley & Co. IncorporatedOne Pierrepont PlazaBrooklyn, NY
11201                                  |  | 48,826                |  | 6.26%         | 
|                                                                                                         |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corp. Action Unit
JAB 5NWNo. Quincy, MA 02171 |  | 71,617                |  | 9.18%         | 



18



---

##### Table of Contents

|CLASS B                                                                                                  |  |        |  |        | 
|-------------------------------------------------------------------------------------------------------- |  | ------ |  | ------ | 
|                                                                                                         |  |        |  |        | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259              |  | 20,000 |  | 28.38% | 
|                                                                                                         |  |        |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                    |  | 30,482 |  | 43.25% | 
|                                                                                                         |  |        |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corp. Action Unit
JAB 5NWNo. Quincy, MA 02171 |  | 20,000 |  | 28.37% | 

Beneficial owners of more than 5% of theSeries 1997-9 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                                             |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------------------------ |  | --------------------- |  | ------------- | 
|                                                                                                             |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|CLASS A                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                      |  | 355,155               |  | 71.03%        | 
|                                                                                                             |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                  |  | 107,000               |  | 21.40%        | 
|                                                                                                             |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 37,845                |  | 7.57%         | 
|                                                                                                             |  |                       |  |               | 
|CLASS B                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 45,180                |  | 100.00%       | 

Beneficial owners of more than 5% of theSeries 1998-1 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:

19



---

##### Table of Contents



|                                                                                                             |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------------------------ |  | --------------------- |  | ------------- | 
|                                                                                                             |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|CLASS A                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                      |  | 260,450               |  | 37.21%        | 
|                                                                                                             |  |                       |  |               | 
|Barclays Global Investors N.A./Investors Bank & Trust980 9th Street, 6th
FloorSacramento, CA 95814           |  | 50,000                |  | 7.14%         | 
|                                                                                                             |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                                      |  | 62,753                |  | 8.96%         | 
|                                                                                                             |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                               |  | 134,762               |  | 19.25%        | 
|                                                                                                             |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 64,375                |  | 9.20%         | 
|                                                                                                             |  |                       |  |               | 
|Northern Trust Company (The)801 S. Canal C-IN14201 Dallas PkwyChicago, Il 60607                              |  | 49,395                |  | 7.06%         | 
|                                                                                                             |  |                       |  |               | 
|CLASS B                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                               |  | 5,800                 |  | 9.17%         | 
|                                                                                                             |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                      |  | 6,200                 |  | 9.80%         | 
|                                                                                                             |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 46,253                |  | 73.12%        | 
|                                                                                                             |  |                       |  |               | 
|SSB  Bank Portfolio1776 Heritage Dr.Global Corp. Action Unit JAB
5NWNo. Quincy, MA 02171                    |  | 5,000                 |  | 7.91%         | 

20



---

##### Table of Contents

Beneficial owners of more than 5% of theSeries 1998-4 Class A and Class Binvestor certificates as of
December 31, 2002, are as follows:



|                                                                                                             |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------------------------ |  | --------------------- |  | ------------- | 
|                                                                                                             |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|CLASS A                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                      |  | 91,435                |  | 13.06%        | 
|                                                                                                             |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                  |  | 167,155               |  | 23.88%        | 
|                                                                                                             |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                                      |  | 100,245               |  | 14.32%        | 
|                                                                                                             |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 41,030                |  | 5.86%         | 
|                                                                                                             |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 108,185               |  | 15.46%        | 
|                                                                                                             |  |                       |  |               | 
|UBS AG677 Washington BlvdStamford, CT 06901                                                                  |  | 39,910                |  | 5.70%         | 
|                                                                                                             |  |                       |  |               | 
|Wells Fargo Bank Minnesota, N.A.,C/O ADP Proxy Services51 Mercedes
WayEdgewood, NY 11717                     |  | 38,325                |  | 5.48%         | 
|                                                                                                             |  |                       |  |               | 
|CLASS B                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Merrill Lynch, Pierce Fenner & SmithSafekeeping4 Corporate
PlacePiscataway, NJ 08854                         |  | 25,253                |  | 39.92%        | 

21



---

##### Table of Contents



|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 27,500 |  | 43.48% | 
|------------------------------------------------------------------------------------------------------------ |  | ------ |  | ------ | 
|                                                                                                             |  |        |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 5,000  |  | 7.90%  | 

Beneficial owners of more than 5% of theSeries 1998-5 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:

|                                                                                                         |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|-------------------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                                         |  |                       |  |               | 
|                                                                                                         |  |                       |  |               | 
|CLASS A                                                                                                  |  |                       |  |               | 
|                                                                                                         |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                  |  | 112,625               |  | 17.33%        | 
|                                                                                                         |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259              |  | 65,807                |  | 10.12%        | 
|                                                                                                         |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                           |  | 46,000                |  | 7.08%         | 
|                                                                                                         |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                    |  | 73,000                |  | 11.23%        | 
|                                                                                                         |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corp. Action Unit
JAB 5NWNo. Quincy, MA 02171 |  | 244,530               |  | 37.62%        | 
|                                                                                                         |  |                       |  |               | 
|CLASS B                                                                                                  |  |                       |  |               | 
|                                                                                                         |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                    |  | 58,735                |  | 100%          | 

Beneficial owners of more than 5% of theSeries 1998-6 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:

22



---

##### Table of Contents



|                                                                                      |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                      |  |                       |  |               | 
|                                                                                      |  |                       |  |               | 
|CLASS A                                                                               |  |                       |  |               | 
|                                                                                      |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                               |  | 200,000               |  | 25.00%        | 
|                                                                                      |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254 |  | 540,000               |  | 67.50%        | 
|                                                                                      |  |                       |  |               | 
|CLASS B                                                                               |  |                       |  |               | 
|                                                                                      |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211        |  | 30,000                |  | 41.50%        | 
|                                                                                      |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254 |  | 42,289                |  | 58.50%        | 
|                                                                                      |  |                       |  |               | 

Beneficial owners of more than 5% of theSeries 1998-8 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                            |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                            |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|CLASS A                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 65,000                |  | 13.00%        | 
|                                                                                            |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                     |  | 110,000               |  | 22.00%        | 
|                                                                                            |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254       |  | 100,000               |  | 20.00%        | 
|                                                                                            |  |                       |  |               | 
|Merrill Lynch, Pierce Fenner & SmithSafekeeping4 Corporate
PlacePiscataway, NJ 08855        |  | 112,500               |  | 22.50%        | 

23



---

##### Table of Contents



|Citibank Dealer-Tax exempt OperationsOne Court Square45th
FloorPiscataway, NJ 08854         |  | 112,500 |  | 22.50% | 
|------------------------------------------------------------------------------------------- |  | ------- |  | ------ | 
|                                                                                            |  |         |  |        | 
|CLASS B                                                                                     |  |         |  |        | 
|                                                                                            |  |         |  |        | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                     |  | 3,000   |  | 6.64%  | 
|                                                                                            |  |         |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254       |  | 15,000  |  | 33.20% | 
|                                                                                            |  |         |  |        | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 18,500  |  | 40.95% | 
|                                                                                            |  |         |  |        | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                     |  | 8,680   |  | 19.21% | 

Beneficial owners of more than 5% of theSeries 1998-9 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                            |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                            |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|CLASS A                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                     |  | 97,655                |  | 15.02%        | 
|                                                                                            |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211              |  | 215,500               |  | 33.15%        | 
|                                                                                            |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 42,445                |  | 6.53%         | 
|                                                                                            |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254       |  | 33,269                |  | 5.12%         | 
|                                                                                            |  |                       |  |               | 
|Investors Bank & Trust Company200 Clarendon St. 9th Floor                                   |  | 52,689                |  | 8.11%         | 

24



---

##### Table of Contents



|Corporate Actions Unit/TOP57Boston, MA 02116                                                                 |  |        |  |        | 
|------------------------------------------------------------------------------------------------------------ |  | ------ |  | ------ | 
|                                                                                                             |  |        |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 36,659 |  | 5.64%  | 
|                                                                                                             |  |        |  |        | 
|CLASS B                                                                                                      |  |        |  |        | 
|                                                                                                             |  |        |  |        | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                      |  | 25,408 |  | 56.68% | 
|                                                                                                             |  |        |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 10,160 |  | 22.66% | 
|                                                                                                             |  |        |  |        | 
|SSB - Bank Portfolio1776 Heritage DriveGlobal Corporate Action Unit JAB
5NWNo. Quincy, MA 02171              |  | 2,411  |  | 5.38%  | 

Beneficial owners of more than 5% of theSeries 1999-1 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                                   |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|-------------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                                   |  |                       |  |               | 
|                                                                                                   |  |                       |  |               | 
|CLASS A                                                                                            |  |                       |  |               | 
|                                                                                                   |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                            |  | 153,465               |  | 15.35%        | 
|                                                                                                   |  |                       |  |               | 
|Barclays Global Investors N.A./Investors Bank & Trust980 9th Street, 6th
FloorSacramento, CA 95814 |  | 65,000                |  | 6.50%         | 
|                                                                                                   |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259        |  | 150,585               |  | 15.06%        | 
|                                                                                                   |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                     |  | 84,110                |  | 8.41%         | 
|                                                                                                   |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
Parkway                              |  | 106,912               |  | 10.69%        | 

25



---

##### Table of Contents



|Dallas, TX 75254                                                                                                        |  |         |  |        | 
|----------------------------------------------------------------------------------------------------------------------- |  | ------- |  | ------ | 
|                                                                                                                        |  |         |  |        | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171            |  | 351,513 |  | 35.15% | 
|                                                                                                                        |  |         |  |        | 
|CLASS B                                                                                                                 |  |         |  |        | 
|                                                                                                                        |  |         |  |        | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                                                 |  | 25,361  |  | 28.06% | 
|                                                                                                                        |  |         |  |        | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                                          |  | 25,000  |  | 27.67% | 
|                                                                                                                        |  |         |  |        | 
|JPMorgan Chase Bank/CorrespondenceClearing Services 2Proxy/Class Actions/Bankruptcy14201 Dallas ParkwayDallas, TX 75254 |  | 10,000  |  | 11.07% | 
|                                                                                                                        |  |         |  |        | 
|Mizuho Trust & Banking Co. (USA)666 Fifth Avenue, Suite 802New York, NY
10103                                           |  | 25,000  |  | 27.67% | 
|                                                                                                                        |  |         |  |        | 
|Wells Fargo Bank Minnesota, N.A.C/O ADP Proxy ServicesEdgewood, NY
11717                                                |  | 5,000   |  | 5.53%  | 

Beneficial owners of more than 5% of theSeries 1999-2 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                            |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                            |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|CLASS A                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY 10286                                     |  | 168,810               |  | 33.76%        | 
|                                                                                            |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 150,700               |  | 30.14%        | 
|                                                                                            |  |                       |  |               | 
|Brown Brothers Harriman & Co.63 Wall Street, 8th FloorNew York, NY
10005                    |  | 49,750                |  | 9.95%         | 
|                                                                                            |  |                       |  |               | 

26



---

##### Table of Contents



|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                               |  | 41,850 |  | 8.37%  | 
|------------------------------------------------------------------------------------- |  | ------ |  | ------ | 
|                                                                                      |  |        |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254 |  | 61,650 |  | 12.33% | 
|                                                                                      |  |        |  |        | 
|CLASS B                                                                               |  |        |  |        | 
|                                                                                      |  |        |  |        | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211        |  | 25,000 |  | 55.33% | 
|                                                                                      |  |        |  |        | 
|Mizuho Trust & Banking Co. (USA)666 Fifth Avenue, Suite 802New York, NY
10103         |  | 20,180 |  | 44.67% | 

Beneficial owners of more than 5% of theSeries 1999-3 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                                             |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------------------------ |  | --------------------- |  | ------------- | 
|                                                                                                             |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|CLASS A                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                  |  | 71,683                |  | 10.24%        | 
|                                                                                                             |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                                                      |  | 46,030                |  | 6.58%         | 
|                                                                                                             |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                        |  | 154,815               |  | 22.12%        | 
|                                                                                                             |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage Dr.Global Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 320,263               |  | 45.75%        | 
|                                                                                                             |  |                       |  |               | 
|CLASS B                                                                                                      |  |                       |  |               | 
|                                                                                                             |  |                       |  |               | 
|Boston Safe Deposit and Trust Company                                                                        |  | 7,175                 |  | 13.25%        | 

27



---

##### Table of Contents



|525 William Penn Place, Suite 3148Pittsburgh, PA 15259                                |  |        |  |        | 
|------------------------------------------------------------------------------------- |  | ------ |  | ------ | 
|                                                                                      |  |        |  |        | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL 33610                               |  | 10,000 |  | 18.46% | 
|                                                                                      |  |        |  |        | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254 |  | 9,242  |  | 17.06% | 
|                                                                                      |  |        |  |        | 
|Mizuho Trust & Banking Co. (USA)666 Fifth Avenue, Suite 802New York, NY
10103         |  | 20,000 |  | 36.92% | 

Beneficial owners of more than 5% of theSeries 2001-1 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                            |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                            |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|CLASS A                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259 |  | 225,000               |  | 30.00%        | 
|                                                                                            |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL
33610                                     |  | 75,000                |  | 10.00%        | 
|                                                                                            |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254       |  | 285,300               |  | 38.04%        | 
|                                                                                            |  |                       |  |               | 
|Merrill Lynch, Pierce Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ 08854       |  | 58,500                |  | 7.80%         | 
|                                                                                            |  |                       |  |               | 
|UBS AG677 Washington BlvdStamford, CT 06901                                                 |  | 58,500                |  | 7.80%         | 
|                                                                                            |  |                       |  |               | 
|CLASS B                                                                                     |  |                       |  |               | 
|                                                                                            |  |                       |  |               | 
|Bank One Trust Company, N.A.340 South Cleveland Avenue, Building 350Columbus,
OH 43240      |  | 10,000                |  | 17.23%        | 

28



---

##### Table of Contents



|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254 |  | 10,000 |  | 17.23% | 
|------------------------------------------------------------------------------------- |  | ------ |  | ------ | 
|                                                                                      |  |        |  |        | 
|Merrill Lynch, Pierce Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ 08854 |  | 18,036 |  | 31.08% | 
|                                                                                      |  |        |  |        | 
|Mizuho Trust & Banking Co. (USA)666 Fifth Avenue, Suite 802New York, NY
10103         |  | 20,000 |  | 34.46% | 

Beneficial owners of more than 5% of theSeries 2001-2 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                                               |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|-------------------------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                                               |  |                       |  |               | 
|                                                                                                               |  |                       |  |               | 
|CLASS A                                                                                                        |  |                       |  |               | 
|                                                                                                               |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY
10286                                                        |  | 243,010               |  | 19.44%        | 
|                                                                                                               |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                                 |  | 256,295               |  | 20.50%        | 
|                                                                                                               |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                    |  | 226,207               |  | 18.10%        | 
|                                                                                                               |  |                       |  |               | 
|Northern Trust Company (The)801 S. Canal C-INChicago, IL
60607                                                 |  | 242,800               |  | 19.42%        | 
|                                                                                                               |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage DriveGlobal Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 164,835               |  | 13.19%        | 
|                                                                                                               |  |                       |  |               | 
|CLASS B                                                                                                        |  |                       |  |               | 
|                                                                                                               |  |                       |  |               | 
|Deutsche Bank Trust Company Americas648 Grassmere Park RoadNashville, TN
37211                                 |  | 30,000                |  | 31.02%        | 

29



---

##### Table of Contents



|Merrill Lynch, Pierce Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ 08854 |  | 45,727 |  | 47.27% | 
|------------------------------------------------------------------------------------- |  | ------ |  | ------ | 
|                                                                                      |  |        |  |        | 
|Mizuho Trust & Banking Co. (USA)666 Fifth Avenue, Suite 802New York, NY
10103         |  | 20,000 |  | 20.68% | 

Beneficial owners of more than 5% of theSeries 2001-3 Class A and Class Binvestor certificates as of December 31, 2002, are as follows:



|                                                                                                               |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|-------------------------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                                               |  |                       |  |               | 
|                                                                                                               |  |                       |  |               | 
|CLASS A                                                                                                        |  |                       |  |               | 
|                                                                                                               |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                    |  | 88,795                |  | 14.09%        | 
|                                                                                                               |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                          |  | 188,640               |  | 29.94%        | 
|                                                                                                               |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage DriveGlobal Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 262,064               |  | 41.60%        | 
|                                                                                                               |  |                       |  |               | 
|CLASS B                                                                                                        |  |                       |  |               | 
|                                                                                                               |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY
10286                                                        |  | 16,000                |  | 32.82%        | 
|                                                                                                               |  |                       |  |               | 
|Merrill Lynch, Pierce Fenner & Smith Safekeeping4 Corporate PlacePiscataway, NJ 08854                          |  | 32,750                |  | 67.18%        | 



30



---

##### Table of Contents

Beneficial owners of more than 5% of theSeries 2001-4 Class A and Class Binvestor certificates as of
December 31, 2002, are as follows:



|                                                                                                               |  | NUMBER OFCERTIFICATES |  | % OFOWNERSHIP | 
|-------------------------------------------------------------------------------------------------------------- |  | --------------------- |  | ------------- | 
|                                                                                                               |  |                       |  |               | 
|CLASS A                                                                                                        |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                    |  | 119,230               |  | 19.87%        | 
|                                                                                                               |  |                       |  |               | 
|Citibank, N.A.3800 Citibank Center B3-15Tampa, FL
33610                                                        |  | 33,455                |  | 5.58%         | 
|                                                                                                               |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                          |  | 205,150               |  | 34.19%        | 
|                                                                                                               |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage DriveGlobal Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 206,265               |  | 34.38%        | 
|                                                                                                               |  |                       |  |               | 
|CLASS B                                                                                                        |  |                       |  |               | 
|                                                                                                               |  |                       |  |               | 
|Bank of New York (The)One Wall StreetNew York, NY
10286                                                        |  | 15,000                |  | 32.31%        | 
|                                                                                                               |  |                       |  |               | 
|JPMorgan Chase BankProxy/Class Actions/Bankruptcy14201 Dallas
ParkwayDallas, TX 75254                          |  | 15,000                |  | 32.31%        | 
|                                                                                                               |  |                       |  |               | 
|Boston Safe Deposit and Trust Company525 William Penn Place, Suite 3148Pittsburgh, PA 15259                    |  | 13,428                |  | 28.92%        | 
|                                                                                                               |  |                       |  |               | 
|State Street Bank and Trust Company1776 Heritage DriveGlobal Corporate Action
Unit JAB 5NWNo. Quincy, MA 02171 |  | 3,000                 |  | 6.46%         | 
|                                                                                                               | 

(b)Not applicable.

(c)Not applicable.

31



---

##### Table of Contents

ITEM 13.CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

None.

ITEM 14.CONTROLS AND PROCEDURES



PART
IV

ITEM 15.EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTSON FORM 8-K

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

3.Exhibits:

99.1Annual Servicers Certificate

99.2Independent Accountants Reports of KPMG LLP on Managements Assertions.

(b)Not applicable.

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

(d)Not applicable.

32



---

##### Table of Contents

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrar has duly
caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on March 26, 2003.



| |  | BANK ONE, DELAWARE, NATIONAL ASSOCIATION(formerly FIRST USA BANK, NATIONAL ASSOCIATION)as Servicer
| |  | --------------------------------------------------------------------------------------------------
| |  | By:                                                                                               
| |  |                                                                                                   
| |  |                                                                                                   

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 26, 2003.



|Signature           |  | Title                                                                 | 
|------------------- |  | --------------------------------------------------------------------- | 
|                    |  |                                                                       | 
|/s/  PHILIPHEASLEY  |  | Director and Principal Executive Officer                              | 
|                   
|Philip Heasley     
|                    |  |                                                                       | 
|/s/  RAYMONDFISCHER |  | Director, Principal Financial Officer andPrincipal Accounting Officer | 
|                   
|Raymond Fischer    
|                    |  |                                                                       | 
|/s/  DANIELJ.FRATE  |  | Director                                                              | 
|                   
|Daniel J. Frate    
|                    |  |                                                                       | 
|/s/  MICHAELLOONEY  |  | Director                                                              | 
|                   
|Michael Looney     
|                    |  |                                                                       | 
|/s/  M.CARTERWARREN |  | Director                                                              | 
|                   
|M. Carter Warren   
|                    |  |                                                                       | 
|/s/  WILLIAMGARNER  |  | Director                                                              | 
|                   
|William Garner     





---

##### Table of Contents

Certification

I, Jeffrey Rigg, the senior officer for
securitization servicing of Bank One, Delaware, National Association, a national banking association which serves as servicer for the First USA Credit Card Master Trust, certify that:

1.I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or
servicing reports filed in respect of the periods included in the year covered by this annual report, of First USA Credit Card Master Trust;

2.Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a
material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report;

3.Based on my knowledge, the distribution and servicing information required to be
provided to the trustee by the servicer under the pooling and servicing, or similar, agreement, for inclusion in these reports is included in these reports;

4.I am responsible for reviewing the activities performed by the servicer under the pooling and servicing, or similar, agreement
and based upon my knowledge and the annual compliance review required under that agreement, and except as disclosed in the reports, the servicer has fulfilled its obligations under that agreement; and

5.The reports disclose all significant deficiencies relating to the servicers
compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar procedure, as set
forth in the pooling and servicing, or similar, agreement, that is included in these reports.

Dated: March 26, 2003



| |  |  | 
| |  |  | 
| |  |  | 
| |  |  | 
| |  |  | 
| |  |  |