Prime Credit Card Master Trust                                    23-Mar-00
                                                                   10:13 AM
Annual Settlement Statement
-----------------------



REPORTING PERIOD:          Annual
                         31-Jan-99
                         29-Jan-00

(i)   Collections                                             4,964,624,252
       Finance Charge                                           554,671,695
       Principal                                              4,409,952,557

(ii)  Investor Percentage - Principal Collections                 29-Jan-00

      Series 1992-2                                                    0.00%
        A                                                              0.00%
        B                                                              0.00%
        C                                                              0.00%

      Series 1992-3                                                   21.94%
        A                                                             18.10%
        B                                                              3.84%

      Series 1995-1                                                   31.57%
        A                                                             26.52%
        B                                                              2.53%
        C                                                              2.53%

      Series 1996-1                                                   12.61%
        A                                                             10.59%
        B                                                              1.01%
        C                                                              1.01%

(iii) Investor Percentage - Finance Charge Collections, Rec       29-Jan-00

      Series 1992-2                                                    0.00%
        A                                                              0.00%
        B                                                              0.00%
        C                                                              0.00%

      Series 1992-3                                                   21.94%
        A                                                             18.10%
        B                                                              3.84%

      Series 1995-1                                                   31.57%
        A                                                             26.52%
        B                                                              2.53%
        C                                                              2.53%

      Series 1996-1                                                   12.61%
        A                                                             10.59%
        B                                                              1.01%
        C                                                              1.01%

(iv)  Distribution Amount per $1,000               Annual

      Series 1992-2                                                 968.392
        A                                                         1,068.292
        B                                                         1,079.500
        C                                                             0.000

      Series 1992-3                                                  29.529
        A                                                            35.793
        B                                                             0.000

      Series 1995-1                                                  67.630
        A                                                            67.500
        B                                                            69.000
        C                                                             0.000

      Series 1996-1                                                  67.131
        A                                                            67.000
        B                                                            68.500
        C                                                             0.000


      Total $'s Distributed
         Series 1992-2                                       524,451,000.00
         Series 1992-3                                         7,678,237.80
         Series 1995-1                                        40,443,000.00
         Series 1996-1                                        16,030,800.00

(v)   Allocation to Principal per $1,000           Annual

      Series 1992-2                                                 899.175
        A                                                         1,000.000
        B                                                         1,000.000
        C                                                             0.000

      Series 1992-3                                                    0.00
        A                                                              0.00
        B                                                             0.000

      Series 1995-1                                                   0.000
        A                                                             0.000
        B                                                             0.000
        C                                                             0.000

      Series 1996-1                                                   0.000
        A                                                             0.000
        B                                                             0.000
        C                                                             0.000

      Total $'s Distributed                                  490,500,000.00
         Series 1992-2                                       490,500,000.00
         Series 1992-3                                                 0.00
         Series 1995-1                                                 0.00
         Series 1996-1                                                 0.00

(vi) Allocation to Interest per $1,000             Annual

      Series 1992-2                                                  69.217
        A                                                            68.292
        B                                                            79.500
        C                                                             0.000

      Series 1992-3                                                  29.529
        A                                                            35.793
        B                                                             0.000

      Series 1995-1                                                  67.630
        A                                                            67.500
        B                                                            69.000
        C                                                             0.000

      Series 1996-1                                                  67.131
        A                                                            67.000
        B                                                            68.500
        C                                                             0.000

      Total $'s Distributed
         Series 1992-2                                        33,951,000.00
         Series 1992-3                                         7,678,237.80
         Series 1995-1                                        40,443,000.00
         Series 1996-1                                        16,030,800.00

(vii)  Investor Default Amount

      Series 1992-2                                           23,498,014.10
        A                                                     17,456,316.12
        B                                                      2,562,186.11
        C                                                      3,479,512.00

      Series 1992-3                                            9,591,397.61
        A                                                      7,912,903.03
        B                                                      1,678,494.58

      Series 1995-1                                           42,239,748.68
        A                                                     35,481,388.89
        B                                                      3,379,179.89
        C                                                      3,379,179.89

      Series 1996-1                                           16,869,905.76
        A                                                     14,166,561.85
        B                                                      1,351,671.96
        C                                                      1,351,671.96


(viii) Investor Charge Offs
                                      Charge Offs            Reimbursements
      Series 1992-2                           0.00                     0.00
        A                                     0.00                     0.00
        B                                     0.00                     0.00
        C                                     0.00                     0.00

      Series 1992-3                           0.00                     0.00
        A                                     0.00                     0.00
        B                                     0.00                     0.00

      Series 1995-1                           0.00                     0.00
        A                                     0.00                     0.00
        B                                     0.00                     0.00
        C                                     0.00                     0.00

      Series 1996-1                           0.00                     0.00
        A                                     0.00                     0.00
        B                                     0.00                     0.00
        C                                     0.00                     0.00

(ix)  Servicing Fee

      Series 1992-2                                            7,535,000.00
        A                                                      5,625,000.00
        B                                                        810,000.00
        C                                                      1,100,000.00

      Series 1992-3                                            3,233,895.30
        A                                                      2,667,963.63
        B                                                        565,931.68

      Series 1995-1                                           12,999,999.96
        A                                                     10,919,999.96
        B                                                      1,040,000.00
        C                                                      1,040,000.00

      Series 1996-1                                            5,192,000.04
        A                                                      4,360,000.04
        B                                                        416,000.00
        C                                                        416,000.00

(x)    Deficit Controlled Amortization Amount

      Series 1992-2                                                    0.00
        A                                                              0.00
        B                                                              0.00
        C                                                              0.00

      Series 1992-3                                                    0.00
        A                                                              0.00
        B                                                              0.00

      Series 1995-1                                                    0.00
        A                                                              0.00
        B                                                              0.00
        C                                                              0.00

      Series 1996-1                                                    0.00
        A                                                              0.00
        B                                                              0.00
        C                                                              0.00

(xi)   Receivables in Trust              29-Jan-00            2,134,096,772
       Principal Receivables in Trust                         2,047,729,876

(xii)  Invested Amount                   29-Jan-00

      Series 1992-2                                                    0.00
        A                                                              0.00
        B                                                              0.00
        C                                                              0.00

      Series 1992-3                                          450,877,408.80
        A                                                    371,973,862.26
        B                                                     78,903,546.54

      Series 1995-1                                          650,000,000.00
        A                                                    546,000,000.00
        B                                                     52,000,000.00
        C                                                     52,000,000.00

      Series 1996-1                                          259,600,000.00
        A                                                    218,000,000.00
        B                                                     20,800,000.00
        C                                                     20,800,000.00

(xiii) Enhancement                                                       NA

(xiv)  Pool Factor

      Series 1992-2                                               0.0000000
        A                                                         0.0000000
        B                                                         0.0000000
        C                                                         0.0000000

      Series 1995-1                                               1.0000000
        A                                                         1.0000000
        B                                                         1.0000000
        C                                                         1.0000000

      Series 1996-1                                               1.0000000
        A                                                         1.0000000
        B                                                         1.0000000
        C                                                         1.0000000

(xv)   Yield Factor                                                   9.973%
       Finance Charge Receivables Factor                              4.047%

(xvi)  Payout Event

      Series 1992-2                                                      NO
      Series 1992-3                                                      NO
      Series 1995-1                                                      NO
      Series 1996-1                                                      NO

(xvii) Other

      Delinquency

      Current                                         85.7%  $1,798,325,905
      30 days                                          9.0%     188,637,324
      60 days                                          1.9%      39,491,139
      90 days                                          1.0%      20,722,858
      120 days                                         0.8%      16,908,665
      150 days                                         0.7%      14,186,415
      180 days+                                        0.9%      18,977,908
        Total                                      100.000%  $2,097,250,214

      Balance in Principal Account                 29-Jan-0              $0
      Balance in Excess-Funding Account                                  $0