##### Table of Contents

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SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549



---



FORM 10-K



|x | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
|- | ------------------------------------------------------------------------------------



For the Fiscal Year Ended December 31, 2003



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



Commission file number 033-50600-01



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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                                      |  | 51-0269396                          
|(State or other jurisdiction of incorporation or organization) |  | (I.R.S. Employer Identification No.)
|                                                               | 
|201 North Walnut Street Wilmington, Delaware                   |  | 19801                               
|(Address of principal executive offices)                       |  | (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 1996-4, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1996-8, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1997-1, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1997-2, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1997-4, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1997-5, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1997-7, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1997-8, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1997-9, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1998-4, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1998-6, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1998-8, Class A
Floating Rate Asset Backed Certificates and Class B Floating Rate Asset Backed Certificates

Series 1998-9, Class A 5.28%
Asset Backed Certificates and Class B 5.55% Asset Backed Certificates

Series 1999-1, Class A Floating Rate Asset Backed
Certificates and Class B Floating Rate Asset Backed Certificates

Series 1999-2, Class A Floating Rate Asset Backed
Certificates and Class B Floating Rate Asset Backed Certificates

Series 1999-3, Class A Floating Rate Asset Backed
Certificates and Class B Floating Rate Asset Backed Certificates

Series 2001-1, Class A Floating Rate Asset Backed
Certificates and Class B Floating Rate Asset Backed Certificates

Series 2001-2, Class A Floating Rate Asset Backed
Certificates and Class B Floating Rate Asset Backed Certificates

Series 2001-3, Class A Floating Rate Asset Backed
Certificates and Class B Floating Rate Asset Backed Certificates

Series 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 ̈



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 ̈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.



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##### Table of Contents

DOCUMENTS INCORPORATED BY REFERENCE:



1. The sections of the Registrants prospectus supplement (filed under Registration No. 333-103391) filed on February 24, 2004 set
forth below:



(a) Risk Factors on pages S-13
through S-16 of the prospectus supplement;



(b) Recent
Developments on page S-17 of the prospectus supplement;



(c) Bank One, Delaware, National Association on page S-45 of the prospectus supplement; and



(d) the prospectus.



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##### Table of Contents

FIRST USA BANK, NATIONAL ASSOCIATION

FIRST USA CREDIT CARD MASTER TRUST

2003 FORM 10-K ANNUAL REPORT

TABLE OF CONTENTS



|                  |  |                                                                                       |  |     
|----------------- |  | ------------------------------------------------------------------------------------- |  | ----
|                  |  |                                                                                       |  | PAGE
|Introductory Note |  | 4                                                                                    
|                  | 
|PART I            |  |                                                                                      
|                  |  |                                                                                       |  | PAGE
|ITEM 1.           |  | Business                                                                              |  | 6   
|ITEM 2.           |  | Properties                                                                            |  | 6   
|ITEM 3.           |  | Legal Proceedings                                                                     |  | 7   
|ITEM 4.           |  | Submission of Matters to a Vote of Security Holders                                   |  | 7   
|                  | 
|PART II           |  |                                                                                      
|ITEM 5.           |  | Market for Registrants Common Equity and Related Stockholder Matters                 |  | 8   
|ITEM 6.           |  | Selected Financial Data                                                               |  | 10  
|ITEM 7.           |  | Managements Discussion and Analysis of Financial Condition and Results of Operations |  | 10  
|ITEM 7A.          |  | Quantitative and Qualitative Disclosures About Market Risk                            |  | 10  
|ITEM 8.           |  | Financial Statements and Supplementary Data                                           |  | 10  
|ITEM 9.           |  | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure  |  | 10  
|                  | 
|PART III          |  |                                                                                      
|ITEM 10.          |  | Directors and Executive Officers of the Registrant                                    |  | 10  
|ITEM 11.          |  | Executive Compensation                                                                |  | 10  
|ITEM 12.          |  | Security Ownership of Certain Beneficial Owners and Management                        |  | 10  
|ITEM 13.          |  | Certain Relationships and Related Transactions                                        |  | 39  
|ITEM 14.          |  | Controls and Procedures                                                               |  | 39  
|                  | 
|PART IV           |  |                                                                                      
|ITEM 15.          |  | Exhibits, Financial Statement Schedules and Reports on Form 8-K                       |  | 39  
|                  | 
|SIGNATURES        |  |                                                                                      
|Signatures        |  | 40                                                                                   



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##### 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       
|1996-4     |  | August 6, 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   
|1998-4     |  | July 22, 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.



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##### 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 Amended and Restated Series 1999-A
Supplement dated as of August 28, 2003.
|- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | 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 1998-1 Asset Backed Certificates was made on May 19, 2003.
|- | ---------------------------------------------------------------------------------------------------



| | The final payment with respect to Series 1996-2 Asset Backed Certificates was made on June 10, 2003.
|- | ----------------------------------------------------------------------------------------------------



| | The final payment with respect to Series 1998-5 Asset Backed Certificates was made on August 18, 2003.
|- | ------------------------------------------------------------------------------------------------------



| | The final payment with respect to Series 1996-6 Asset Backed Certificates was made on November 10, 2003.
|- | --------------------------------------------------------------------------------------------------------



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



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##### 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, 2003, consisted of $47,173,105,211.57 of Principal
Receivables and $1,094,217,777.63 of Finance Charge Receivables. As of December 31,



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



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##### Table of Contents

2003, 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, 2003. Because the future composition of the Trust Portfolio may change over time, this table is not necessarily indicative
of the composition of the Trust Portfolio at any subsequent time.



Composition by Period of Delinquency

Trust Portfolio



|                                                      |  |                      |                  |                               |      
|----------------------------------------------------- |  | -------------------- | ---------------- | ----------------------------- | -----
|Period of Delinquency (Days Contractually Delinquent) |  | Amount ofReceivables |                  | Percentageof TotalReceivables
|30 to 59 Days                                         |  | $                    | 643,275,491.28   |                               | 1.33%
|60 to 89 Days                                         |  | $                    | 453,867,319.00   |                               | 0.94%
|90 to 119 Days                                        |  | $                    | 377,372,652.94   |                               | 0.78%
|120 to 149 Days                                       |  | $                    | 328,406,679.77   |                               | 0.68%
|150 to 179 Days                                       |  | $                    | 288,723,272.90   |                               | 0.60%
|180 or More Days                                      |  | $                    | 0.00             |                               | 0.00%
|                                                      |  |                      |                  |                               |      
|Total                                                 |  | $                    | 2,091,645,415.89 |                               | 4.33%
|                                                      |  |                      |                  |                               |      



The aggregate amount of Receivables
written off during the twelve-month reporting period was $2,350,255,842. The investor percentage of Principal Receivables written off (the Investor Default Amount) during the reporting period was $1,843,329,813. 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 material
pending legal proceedings with respect to the Trust, involving the Trust, the Trustee or the Registrant. The Bank is a defendant in various lawsuits, including lawsuits seeking class action certification in both state and federal courts. These
lawsuits challenge certain policies and practices of the Banks credit card business. A few of these lawsuits have been conditionally certified as class actions. The Bank has defended itself against claims in the past and intends to continue to
do so in the future. While it is impossible to predict the outcome of any of these lawsuits, the Bank believes that any liability which might result from these lawsuits will not have a material adverse effect on the Trust.



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



None.



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##### Table of Contents

PART II



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



As of December 31, 2003, 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 1996-4 Class A            |  | 7             
|Series 1996-4 Class B            |  | 3             
|                                
|Series 1996-8 Class A            |  | 14            
|Series 1996-8 Class B            |  | 2             
|                                
|Series 1997-1 Class A            |  | 53            
|Series 1997-1 Class B            |  | 7             
|                                
|Series 1997-2 Class A            |  | 21            
|Series 1997-2 Class B            |  | 8             
|                                
|Series 1997-4 Class A            |  | 12            
|Series 1997-4 Class B            |  | 2             
|                                
|Series 1997-5 Class A            |  | 14            
|Series 1997-5 Class B            |  | 1             
|                                
|Series 1997-7 Class A            |  | 18            
|Series 1997-7 Class B            |  | 4             
|                                
|Series 1997-8 Class A            |  | 20            
|Series 1997-8 Class B            |  | 2             
|                                
|Series 1997-9 Class A            |  | 3             
|Series 1997-9 Class B            |  | 1             
|                                
|Series 1998-4 Class A            |  | 21            
|Series 1998-4 Class B            |  | 4             
|                                
|Series 1998-6 Class A            |  | 5             
|Series 1998-6 Class B            |  | 2             
|                                
|Series 1998-8 Class A            |  | 5             
|Series 1998-8 Class B            |  | 4             
|                                
|Series 1998-9 Class A            |  | 44            
|Series 1998-9 Class B            |  | 18            





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##### Table of Contents

|                                 |  |               
|-------------------------------- |  | --------------
|Investor Certificate Description |  | Record Holders
|Series 1999-1 Class A            |  | 27            
|Series 1999-1 Class B            |  | 4             
|                                
|Series 1999-2 Class A            |  | 14            
|Series 1999-2 Class B            |  | 4             
|                                
|Series 1999-3 Class A            |  | 25            
|Series 1999-3 Class B            |  | 14            
|                                
|Series 2001-1 Class A            |  | 19            
|Series 2001-1 Class B            |  | 5             
|                                
|Series 2001-2 Class A            |  | 32            
|Series 2001-2 Class B            |  | 10            
|                                
|Series 2001-3 Class A            |  | 14            
|Series 2001-3 Class B            |  | 2             
|                                
|Series 2001-4 Class A            |  | 19            
|Series 2001-4 Class B            |  | 5             



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



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##### 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.





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##### Table of Contents

Beneficial owners of more than 5% of the Series 1996-4 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                   |  |                        |  |                |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                                   |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                            |  |                        |  |                |  
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                           |  | 39,000                 |  | 7.80           | %
|                                                                                                                                   |  |                       
|Deutsche Bank Securities Inc. Lou Pagnotta 1251 Avenue of the Americas New York, NY 10020                                          |  | 46,700                 |  | 9.34           | %
|                                                                                                                                   |  |                       
|Harris Trust and Savings Bank Carol Montgomery 111 W. Monroe Street Chicago, IL 60603                                              |  | 35,000                 |  | 7.00           | %
|                                                                                                                                   |  |                       
|JP Morgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Pkwy Dallas, TX 75254                             |  | 274,590                |  | 54.92          | %
|                                                                                                                                   |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 69,710                 |  | 13.94          | %
|                                                                                                                                   |  |                       
|CLASS B                                                                                                                            |  |                        |  |                |  
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211                                       |  | 26,930                 |  | 59.61          | %
|                                                                                                                                   |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Pittsburgh, PA 15259                                     |  | 16,050                 |  | 35.52          | %



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##### Table of Contents

Beneficial owners of more than 5% of the Series 1996-8 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                               |  |                        |  |                |  
|------------------------------------------------------------------------------------------------------------------------------ |  | ---------------------- |  | -------------- | -
|                                                                                                                               |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                        |  |                        |  |                |  
|                                                                                                                               |  |                       
|Barclays Global Investors NA/Investors Bank & Trust Koren McDaniel 980 9th Street 6th Floor Sacramento, CA 95814               |  | 50,000                 |  | 12.50          | %
|                                                                                                                               |  |                       
|Citibank, N.A. David A Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                       |  | 34,500                 |  | 8.63           | %
|                                                                                                                               |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                       |  | 71,500                 |  | 17.88          | %
|                                                                                                                               |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Pittsburgh, PA 15259                                 |  | 52,400                 |  | 13.10          | %
|                                                                                                                               |  |                       
|State Street Bank and Trust Company Joseph Callahan 1776 Heritage Dr Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 156,900                |  | 39.23          | %
|                                                                                                                               |  |                       
|CLASS B                                                                                                                        |  |                        |  |                |  
|                                                                                                                               |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                      |  | 5,000                  |  | 13.81          | %
|                                                                                                                               |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                       |  | 31,200                 |  | 86.19          | %





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##### Table of Contents

Beneficial owners of more than 5% of the Series 1997-1 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                         |  |                        |  |                |  
|---------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                                         |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                                  |  |                        |  |                |  
|                                                                                                                                         |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                                 |  | 76,421                 |  | 10.19          | %
|                                                                                                                                         |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                                |  | 75,775                 |  | 10.10          | %
|                                                                                                                                         |  |                       
|Investors Bank & TrustInstitutional Custody Eric Lippman 200 Clarendon Street, 9th Floor Corporate Actions Unit/TOP 57 Boston, MA 02116 |  | 49,147                 |  | 6.55           | %
|                                                                                                                                         |  |                       
|Investors Bank & Trust Eric Lippman 200 Clarendon Street, 9th Floor Corporate Actions Unit/TOP 57 Boston, MA 02116                       |  | 74,800                 |  | 9.97           | %
|                                                                                                                                         |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                                 |  | 112,510                |  | 15.00          | %
|                                                                                                                                         |  |                       
|Northern Trust Company (The) 801 S. Canal C-IN Chicago, Il 60607                                                                         |  | 50,825                 |  | 6.78           | %
|                                                                                                                                         |  |                       
|State Street Bank and Trust Company Joseph Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171          |  | 200,377                |  | 26.72          | %
|                                                                                                                                         |  |                       
|UBS AG Carlos Lede 677 Washington Blvd Stamford, CT 06901                                                                                |  | 48,974                 |  | 6.53           | %



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##### Table of Contents

|                                                                                                                                            |  |        |  |       |  
|------------------------------------------------------------------------------------------------------------------------------------------- |  | ------ |  | ----- | -
|CLASS B                                                                                                                                     |  |        |  |       |  
|                                                                                                                                            |  |       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                                    |  | 31,900 |  | 47.07 | %
|                                                                                                                                            |  |       
|JPMorgan Chase Bank/Correspondence Clearing Services 2 Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 10,000 |  | 14.76 | %
|                                                                                                                                            |  |       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Pittsburgh, PA 15259                                              |  | 20,250 |  | 29.88 | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1997-2 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                         |  |                        |  |                |  
|-------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                         |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                  |  |                        |  |                |  
|                                                                                                         |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                 |  | 52,929.999             |  | 10.58          | %
|                                                                                                         |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 308,316                |  | 61.66          | %
|                                                                                                         |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Pittsburgh, PA 15259           |  | 31,614                 |  | 6.32           | %
|                                                                                                         |  |                       
|CLASS B                                                                                                  |  |                        |  |                |  
|                                                                                                         |  |                       
|Citibank, N. A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                               |  | 5,750                  |  | 12.73          | %
|                                                                                                         |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 26,180                 |  | 57.95          | %
|                                                                                                         |  |                       
|Pershing, LLC/International Services Division Mario Esposito One Pershing Plaza Jersey City, NJ 07399    |  | 10,000                 |  | 22.13          | %





---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1997-4 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                   |  |                        |  |                |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                                   |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                            |  |                        |  |                |  
|                                                                                                                                   |  |                       
|Brown Brothers Harriman & Co. Robert Davide 63 Wall Street, 8th Floor New York, NY 10005                                           |  | 70,000                 |  | 14.00          | %
|                                                                                                                                   |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                          |  | 60,500                 |  | 12.10          | %
|                                                                                                                                   |  |                       
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211                                       |  | 78,683                 |  | 15.74          | %
|                                                                                                                                   |  |                       
|Deutsche Bank Securities Inc. Lou Pagnotta 1251 Avenue of the Americas New York, NY 10020                                          |  | 52,000                 |  | 10.40          | %
|                                                                                                                                   |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                           |  | 106,273                |  | 21.25          | %
|                                                                                                                                   |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place, Suite 3148 Pittsburgh, PA 15259                         |  | 39,694                 |  | 7.94           | %
|                                                                                                                                   |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 46,420                 |  | 9.28           | %
|                                                                                                                                   |  |                       
|Wachovia Bank, NA Phila. Main Courtney Burton 530 Walnut Street 1st Floor Philadelphia, PA 19101                                  |  | 26,495                 |  | 5.30           | %





---

##### Table of Contents

|                                                                                                         |  |        |  |       |  
|-------------------------------------------------------------------------------------------------------- |  | ------ |  | ----- | -
|                                                                                                         |  |       
|CLASS B                                                                                                  |  |        |  |       |  
|                                                                                                         |  |       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                |  | 5,000  |  | 11.07 | %
|                                                                                                         |  |       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 40,180 |  | 88.93 | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1997-5 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                 |  |                        |  |                |  
|---------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                 |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                          |  |                        |  |                |  
|                                                                                                                 |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                         |  | 131,490                |  | 20.23          | %
|                                                                                                                 |  |                       
|Barclays Global Investors NA/Investors Bank & Trust McDaniel Koren 980 9th Street 6th Floor Sacramento, CA 95814 |  | 39,350                 |  | 6.05           | %
|                                                                                                                 |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                        |  | 92,620                 |  | 14.25          | %
|                                                                                                                 |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254         |  | 119,834                |  | 18.44          | %
|                                                                                                                 |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place, Suite 3148 Pittsburgh, PA 15259       |  | 151,590                |  | 23.32          | %
|                                                                                                                 |  |                       
|CLASS B                                                                                                          |  |                        |  |                |  
|                                                                                                                 |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                         |  | 58,735                 |  | 100.00         | %





---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1997-7 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                            |  |                        |  |                |  
|------------------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                                            |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                                     |  |                        |  |                |  
|                                                                                                                                            |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                                    |  | 105,800                |  | 21.16          | %
|                                                                                                                                            |  |                       
|Barclays Global Investors N.A./Investors Bank & Trust McDaniel Koren 980 9th Street, 6th Floor Sacramento, CA 95814                         |  | 27,423.676             |  | 5.48           | %
|                                                                                                                                            |  |                       
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211                                                |  | 212,177.747            |  | 42.44          | %
|                                                                                                                                            |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                                    |  | 65,562                 |  | 13.11          | %
|                                                                                                                                            |  |                       
|JPMorgan Chase Bank/Correspondence Clearing Services 2 Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 25,194                 |  | 5.04           | %
|                                                                                                                                            |  |                       
|CLASS B                                                                                                                                     |  |                        |  |                |  
|                                                                                                                                            |  |                       
|Investors Bank & Trust Company Eric Lippman 200 Clarendon St, 9th Floor Corporate Actions Unit/Top57 Boston, MA 02116                       |  | 10,930                 |  | 24.19          | %
|                                                                                                                                            |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                                    |  | 15,000                 |  | 33.20          | %
|                                                                                                                                            |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place, Suite 3148 Pittsburgh, PA 15259                                  |  | 19,000                 |  | 42.05          | %





---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1997-8 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                               |  |                        |  |                |  
|------------------------------------------------------------------------------------------------------------------------------ |  | ---------------------- |  | -------------- | -
|                                                                                                                               |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                        |  |                        |  |                |  
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                       |  | 84,000                 |  | 10.77          | %
|                                                                                                                               |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                      |  | 80,000                 |  | 12.26          | %
|                                                                                                                               |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                       |  | 361,876                |  | 46.39          | %
|                                                                                                                               |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corp. Action Unit JAB 5NW No. Quincy, MA 02171 |  | 74,902                 |  | 9.60           | %
|                                                                                                                               |  |                       
|CLASS B                                                                                                                        |  |                        |  |                |  
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                       |  | 50,482                 |  | 71.62          | %
|                                                                                                                               |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corp. Action Unit JAB 5NW No. Quincy, MA 02171 |  | 20,000                 |  | 28.38          | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1997-9 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                               |  |                        |  |                |  
|------------------------------------------------------------------------------------------------------------------------------ |  | ---------------------- |  | -------------- | -
|                                                                                                                               |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                        |  |                        |  |                |  
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                       |  | 355,155                |  | 71.03          | %
|                                                                                                                               |  |                       
|Northern Trust Company (The) 801 S. Canal C-IN Chicago, IL 60607                                                               |  | 107,000                |  | 21.40          | %
|                                                                                                                               |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corp. Action Unit JAB 5NW No. Quincy, MA 02171 |  | 37,845                 |  | 7.57           | %
|                                                                                                                               |  |                       
|CLASS B                                                                                                                        |  |                        |  |                |  
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                       |  | 45,180                 |  | 100.00         | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1998-4 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                   |  |                        |  |                |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                                   |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                            |  |                        |  |                |  
|The Bank of New York/Soc Gen Bank Rosa Mendez One Wall Street New York, NY 10286                                                   |  | 38,000                 |  | 5.43           | %
|                                                                                                                                   |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                          |  | 120,250                |  | 17.18          | %
|                                                                                                                                   |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                           |  | 58,945                 |  | 8.42           | %
|                                                                                                                                   |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 71,740                 |  | 10.25          | %
|                                                                                                                                   |  |                       
|UBS AG Carlos Lede 677 Washington Blvd Stamford, CT 06901                                                                          |  | 39,910                 |  | 5.70           | %
|                                                                                                                                   |  |                       
|CLASS B                                                                                                                            |  |                        |  |                |  
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                           |  | 52,753                 |  | 83.40          | %
|                                                                                                                                   |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 5,000                  |  | 7.90           | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1998-6 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                         |  |                        |  |                |  
|-------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                         |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                  |  |                        |  |                |  
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                |  | 260,000                |  | 32.50          | %
|                                                                                                         |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 445,000                |  | 55.63          | %
|                                                                                                         |  |                       
|CLASS B                                                                                                  |  |                        |  |                |  
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211             |  | 30,000                 |  | 41.50          | %
|                                                                                                         |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 42,289                 |  | 58.50          | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1998-8 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                   |  |                        |  |                |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                                   |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                            |  |                        |  |                |  
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                          |  | 165,000                |  | 33.00          | %
|                                                                                                                                   |  |                       
|Citibank Dealer-Tax Exempt Operations John Dellolio VP One Court Square 45th Floor L.I.C. NY 11120-0001                            |  | 112,500                |  | 22.50          | %
|                                                                                                                                   |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                           |  | 160,000                |  | 32.00          | %
|                                                                                                                                   |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 37,500                 |  | 7.50           | %



---

##### Table of Contents

|                                                                                                                                            |  |        |  |       |  
|------------------------------------------------------------------------------------------------------------------------------------------- |  | ------ |  | ----- | -
|                                                                                                                                            |  |       
|CLASS B                                                                                                                                     |  |        |  |       |  
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                                    |  | 3,000  |  | 6.64  | %
|                                                                                                                                            |  |       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                                   |  | 8,680  |  | 19.21 | %
|                                                                                                                                            |  |       
|JPMorgan Chase Bank/Correspondence Clearing Services 2 Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 15,000 |  | 33.20 | %
|                                                                                                                                            |  |       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place, Suite 3148 Pittsburgh, PA 15259                                  |  | 18,500 |  | 40.95 | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1998-9 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                   |  |                        |  |               |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | ------------- | -
|                                                                                                                                   |  | NUMBER OF CERTIFICATES |  | % OFOWNERSHIP |  
|CLASS A                                                                                                                            |  |                        |  |               |  
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                           |  | 102,851                |  | 15.82         | %
|                                                                                                                                   |  |                       
|Barclays Global Investors NA/Investors Bank & Trust McDaniel Koren 980 9th Street 6th Floor Sacramento, CA 95814                   |  | 57,340                 |  | 8.82          | %
|                                                                                                                                   |  |                       
|Investors Bank & Trust Company Eric Lippman 200 Clarendon St. 9th Floor Corporate Actions Unit/TOP57 Boston, MA 02116              |  | 52,689                 |  | 8.11          | %
|                                                                                                                                   |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 208,240                |  | 32.04         | %



---

##### Table of Contents

|                                                                                                                                   |  |        |  |       |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ------ |  | ----- | -
|                                                                                                                                   |  |       
|CLASS B                                                                                                                            |  |        |  |       |  
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                           |  | 5,250  |  | 11.71 | %
|                                                                                                                                   |  |       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                           |  | 12,671 |  | 28.27 | %
|                                                                                                                                   |  |       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Suite 3418 Pittsburgh, PA 15259                          |  | 2,450  |  | 5.47  | %
|                                                                                                                                   |  |       
|Northern Trust Company (The) 801 S. Canal C-IN Chicago, IL 60607                                                                   |  | 18,053 |  | 40.27 | %
|                                                                                                                                   |  |       
|State Street Bank and Trust Company Joseph J. Callahan 1476 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 2,500  |  | 5.58  | %





---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1999-1 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                    |  |                        |  |                |  
|------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                    |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                             |  |                        |  |                |  
|                                                                                                                    |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                            |  | 102,662.5              |  | 10.27          | %
|                                                                                                                    |  |                       
|Barclays Global Investors N.A./Investors Bank & Trust McDaniel Koren 980 9th Street, 6th Floor Sacramento, CA 95814 |  | 87,000                 |  | 8.70           | %
|                                                                                                                    |  |                       
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211                        |  | 81,690                 |  | 8.17           | %
|                                                                                                                    |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254            |  | 99,687                 |  | 9.97           | %
|                                                                                                                    |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Suite 3418 Pittsburgh, PA 15259           |  | 102,430                |  | 10.24          | %
|                                                                                                                    |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. No. Quincy, MA 02171                       |  | 433,031                |  | 43.30          | %





---

##### Table of Contents

|                                                                                                                                            |  |        |  |       |  
|------------------------------------------------------------------------------------------------------------------------------------------- |  | ------ |  | ----- | -
|                                                                                                                                            |  |       
|CLASS B                                                                                                                                     |  |        |  |       |  
|                                                                                                                                            |  |       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                                    |  | 50,361 |  | 55.73 | %
|                                                                                                                                            |  |       
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211                                                |  | 25,000 |  | 27.67 | %
|                                                                                                                                            |  |       
|JPMorgan Chase Bank/Correspondence Clearing Services 2 Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254 |  | 10,000 |  | 11.07 | %
|                                                                                                                                            |  |       
|Wells Fargo Bank Minnesota, N.A. Issuer Services C/O ADP Proxy Services Edgewood, NY 11717                                                  |  | 5,000  |  | 5.53  | %





---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1999-2 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                          |  |                        |  |                |  
|--------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                          |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                   |  |                        |  |                |  
|                                                                                                          |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                  |  | 166,560                |  | 33.31          | %
|                                                                                                          |  |                       
|Brown Brothers Harriman & Co. Robert Davide 63 Wall Street, 8th Floor New York, NY 10005                  |  | 49,750                 |  | 9.95           | %
|                                                                                                          |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                 |  | 50,850                 |  | 10.17          | %
|                                                                                                          |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254  |  | 77,450                 |  | 15.49          | %
|                                                                                                          |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. No. Quincy, MA 02171             |  | 109,300                |  | 21.86          | %
|                                                                                                          |  |                       
|CLASS B                                                                                                   |  |                        |  |                |  
|                                                                                                          |  |                       
|Bank of America, National Association Alma Carroll 411 N. Akard 5th Floor Dallas, TX 75201                |  | 5,000                  |  | 11.07          | %
|                                                                                                          |  |                       
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211              |  | 25,000                 |  | 55.33          | %
|                                                                                                          |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Suite 3418 Pittsburgh, PA 15259 |  | 13,500                 |  | 29.88          | %





---

##### Table of Contents

Beneficial owners of more than 5% of the Series 1999-3 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                   |  |                        |  |                |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                                   |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                            |  |                        |  |                |  
|                                                                                                                                   |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                          |  | 110,840                |  | 15.83          | %
|                                                                                                                                   |  |                       
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211                                       |  | 88,500                 |  | 12.64          | %
|                                                                                                                                   |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                           |  | 36,190                 |  | 5.17           | %
|                                                                                                                                   |  |                       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Suite 3418 Pittsburgh, PA 15259                          |  | 72,308                 |  | 10.33          | %
|                                                                                                                                   |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 320,098                |  | 45.73          | %





---

##### Table of Contents

|                                                                                                                                   |  |        |  |       |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ------ |  | ----- | -
|                                                                                                                                   |  |       
|CLASS B                                                                                                                            |  |        |  |       |  
|                                                                                                                                   |  |       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                           |  | 12,503 |  | 23.08 | %
|                                                                                                                                   |  |       
|Bank of America, National Association Alma Carroll 411 N. Akard 5th Floor Dallas, TX 75201                                         |  | 8,000  |  | 14.77 | %
|                                                                                                                                   |  |       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                          |  | 10,100 |  | 18.65 | %
|                                                                                                                                   |  |       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                           |  | 6,442  |  | 11.89 | %
|                                                                                                                                   |  |       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Suite 3418 Pittsburgh, PA 15259                          |  | 7,175  |  | 13.25 | %
|                                                                                                                                   |  |       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 5,265  |  | 9.72  | %





---

##### Table of Contents

Beneficial owners of more than 5% of the Series 2001-1 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                            |  |                        |  |                |  
|----------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                            |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                     |  |                        |  |                |  
|                                                                                                            |  |                       
|The Bank of New York/Wachovia Bank NA Joe Winkhart 1 Wall Street New York, NY 10286                         |  | 188,000                |  | 25.07          | %
|                                                                                                            |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                   |  | 78,000                 |  | 10.40          | %
|                                                                                                            |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254    |  | 236,580                |  | 31.54          | %
|                                                                                                            |  |                       
|Merrill Lynch, Pierce Fenner & Smith Safekeeping Veronica E. ONiell 4 Corporate Place Piscataway, NJ 08854 |  | 58,500                 |  | 7.80           | %
|                                                                                                            |  |                       
|UBS AG Carlos Lede 677 Washington Blvd Stamford, CT 06901                                                   |  | 120,000                |  | 16.00          | %



---

##### Table of Contents

|                                                                                                          |  |        |  |       |  
|--------------------------------------------------------------------------------------------------------- |  | ------ |  | ----- | -
|                                                                                                          |  |       
|CLASS B                                                                                                   |  |        |  |       |  
|                                                                                                          |  |       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                  |  | 18,036 |  | 31.08 | %
|                                                                                                          |  |       
|Credit Suisse First Boston LLC C/O ADP Proxy services                                                     |  | 3,000  |  | 5.17  | %
|                                                                                                          |  |       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254  |  | 10,000 |  | 17.23 | %
|                                                                                                          |  |       
|Mellon Trust of New England, NA Melissa Tarasovich 525 William Penn Place Suite 3418 Pittsburgh, PA 15259 |  | 17,000 |  | 29.29 | %
|                                                                                                          |  |       
|Pershing, LLC/International Services Division Mario Esposito One Pershing Plaza Jersey City, NJ 07399     |  | 10,000 |  | 17.23 | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 2001-2 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                   |  |                        |  |                |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ---------------------- |  | -------------- | -
|                                                                                                                                   |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                            |  |                        |  |                |  
|                                                                                                                                   |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                           |  | 231,020                |  | 18.48          | %
|                                                                                                                                   |  |                       
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211                                       |  | 107,420                |  | 8.59           | %
|                                                                                                                                   |  |                       
|Northern Trust Company (The) 801 S. Canal C-IN Chicago, IL 60607                                                                   |  | 421,832                |  | 33.75          | %
|                                                                                                                                   |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 218,610                |  | 17.49          | %



---

##### Table of Contents

|                                                                                                                                   |  |        |  |       |  
|---------------------------------------------------------------------------------------------------------------------------------- |  | ------ |  | ----- | -
|CLASS B                                                                                                                            |  |        |  |       |  
|                                                                                                                                   |  |       
|Bank Of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                           |  | 15,395 |  | 15.92 | %
|                                                                                                                                   |  |       
|Bank of America, National Association Alma Carroll 411 N. Akard 5th Floor Dallas, TX 75201                                         |  | 5,000  |  | 5.17  | %
|                                                                                                                                   |  |       
|Deutsche Bank Trust Company Americas John Lasher 648 Grassmere Park Road Nashville, TN 37211                                       |  | 30,000 |  | 31.02 | %
|                                                                                                                                   |  |       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                           |  | 35,755 |  | 36.96 | %
|                                                                                                                                   |  |       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Dr. Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 5,390  |  | 5.57  | %





---

##### Table of Contents

Beneficial owners of more than 5% of the Series 2001-3 Class A and Class B investor certificates as of December 31, 2002,
are as follows:



|                                                                                                                                     |  |                        |  |                |  
|------------------------------------------------------------------------------------------------------------------------------------ |  | ---------------------- |  | -------------- | -
|                                                                                                                                     |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                              |  |                        |  |                |  
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX                                   |  | 234,501                |  | 37.22          | %
|                                                                                                                                     |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Drive Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 258,134                |  | 40.97          | %
|                                                                                                                                     |  |                       
|UBS AG Carlos Lede 677 Washington Blvd Stamford, CT 06901                                                                            |  | 50,000                 |  | 7.94           | %
|                                                                                                                                     |  |                       
|CLASS B                                                                                                                              |  |                        |  |                |  
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                             |  | 16,000                 |  | 32.82          | %
|                                                                                                                                     |  |                       
|Merrill Lynch, Pierce Fenner & Smith Safekeeping Veronica E. ONeill 4 Corporate Place Piscataway, NJ 08854                          |  | 32,750                 |  | 67.18          | %



---

##### Table of Contents

Beneficial owners of more than 5% of the Series 2001-4 Class A and Class B investor certificates as of December 31, 2003,
are as follows:



|                                                                                                                                     |  |                        |  |                |  
|------------------------------------------------------------------------------------------------------------------------------------ |  | ---------------------- |  | -------------- | -
|                                                                                                                                     |  | NUMBER OF CERTIFICATES |  | % OF OWNERSHIP |  
|CLASS A                                                                                                                              |  |                        |  |                |  
|Bank of New York/Wachovia Bank NA Joe Winkhart 1 Wall Street New York, NY 10286                                                      |  | 100,175                |  | 16.70          | %
|                                                                                                                                     |  |                       
|Citibank, N.A. David A. Leslie 3800 Citibank Center B3-15 Tampa, FL 33610                                                            |  | 38,455                 |  | 6.41           | %
|                                                                                                                                     |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                             |  | 230,985                |  | 38.50          | %
|                                                                                                                                     |  |                       
|State Street Bank and Trust Company Joseph J. Callahan 1776 Heritage Drive Global Corporate Action Unit JAB 5NW No. Quincy, MA 02171 |  | 206,565                |  | 34.43          | %
|                                                                                                                                     |  |                       
|CLASS B                                                                                                                              |  |                        |  |                |  
|                                                                                                                                     |  |                       
|Bank of New York (The) Cecile Lamarco One Wall Street New York, NY 10286                                                             |  | 15,000                 |  | 32.31          | %
|                                                                                                                                     |  |                       
|JPMorgan Chase Bank Paula J. Dabner Proxy/Class Actions/Bankruptcy 14201 Dallas Parkway Dallas, TX 75254                             |  | 15,070                 |  | 32.46          | %
|                                                                                                                                     |  |                       
|Mellon Trust of New England, N.A. Melissa Tarasovich 525 William Penn Place Suite 3418 Pittsburgh, PA 15259                          |  | 13,428                 |  | 28.92          | %



|(b) | Not applicable.
|--- | ---------------



|(c) | Not applicable
|--- | --------------







---

##### Table of Contents

|ITEM 13. | CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS
|-------- | ----------------------------------------------



None.



|ITEM 14. | CONTROLS AND PROCEDURES
|-------- | -----------------------



Not applicable.



PART IV



|ITEM 15. | EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K
|-------- | ----------------------------------------------------------------



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



| | 3. | Exhibits:
| | -- | ---------



| | 31.1 | Senior Officer for Securitizations Servicing Certification Pursuant to Section 302 (a) of the Sarbanes-Oxley Act of 2002 Relating to Reports
| | ---- | --------------------------------------------------------------------------------------------------------------------------------------------



| | 99.1 | Annual Servicers Certificate.
| | ---- | ------------------------------



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



|(b) | Not applicable.
|--- | ---------------



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



|(d) | Not applicable.
|--- | ---------------





---

##### Table of Contents

SIGNATURES



Pursuant to the
requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized, on March 12, 2004.



BANK ONE, DELAWARE, NATIONAL ASSOCIATION (Formerly FIRST USA BANK, NATIONAL ASSOCIATION) as ServicerBy:

/S/    WILLIAM I. CAMPBELLWilliam I. Campbell Principal Executive
Officer




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 12, 2004.



|                                              |  |                                                                       
|--------------------------------------------- |  | ----------------------------------------------------------------------
|Signature                                     |  | Title                                                                 
|                                              | 
|/S/    WILLIAM I.
CAMPBELLWilliam I.
Campbell |  | Director and Principal Executive Officer                              
|                                              | 
|/S/    RAYMOND
FISCHERRaymond Fischer         |  | Director, Principal Financial Officer and Principal
Accounting Officer
|                                              | 
|/S/    MICHAEL
LOONEYMichael Looney           |  | Director                                                              
|                                              | 
|/S/    M. CARTER
FRANKEM. Carter Franke       |  | Director                                                              
|                                              | 
|/S/    WILLIAM
GARNERWilliam Garner           |  | Director