Prime Credit Card Master Trust                                   19-Apr-99
                                                                  10:59 AM
Settlement Statement
--------------



REPORTING PE       Annual
                 01-Feb-98
                 30-Jan-99

(i)   Collections                                            5,021,491,765
       Finance Charge                                          540,933,234
       Principal                                             4,480,558,531

(ii)  Investor Percentage - Principal Collections                30-Jan-99

    Series 1992-2                                                    27.13%
      A                                                              22.38%
      B                                                               2.01%
      C                                                               2.74%

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

    Series 1995-1                                                    32.33%
      A                                                              27.16%
      B                                                               2.59%
      C                                                               2.59%

    Series 1996-1                                                    12.91%
      A                                                              10.84%
      B                                                               1.03%
      C                                                               1.03%

(iii) Investor Percentage - Finance Charge Collections           30-Jan-99

    Series 1992-2                                                    27.13%
      A                                                              22.38%
      B                                                               2.01%
      C                                                               2.74%

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

    Series 1995-1                                                    32.33%
      A                                                              27.16%
      B                                                               2.59%
      C                                                               2.59%

    Series 1996-1                                                    12.91%
      A                                                              10.84%
      B                                                               1.03%
      C                                                               1.03%

(iv)  Distribution Amount per $1,000          Annual

    Series 1992-2                                                   74.913
      A                                                             74.500
      B                                                             79.500
      C                                                              0.000

    Series 1992-3                                                  845.046
      A                                                          1,024.298
      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                                         36,744,750.00
       Series 1992-3                                        377,537,657.02
       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                                                    0.000
      A                                                              0.000
      B                                                              0.000
      C                                                              0.000

    Series 1992-3                                                   825.00
      A                                                           1,000.00
      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                                   374,819,640.74
       Series 1992-2                                                  0.00
       Series 1992-3                                        374,819,640.74
       Series 1995-1                                                  0.00
       Series 1996-1                                                  0.00

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

    Series 1992-2                                                   74.913
      A                                                             74.500
      B                                                             79.500
      C                                                              0.000

    Series 1992-3                                                   20.046
      A                                                             24.298
      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                                         36,744,750.00
       Series 1992-3                                          2,718,016.28
       Series 1995-1                                         40,443,000.00
       Series 1996-1                                         16,030,800.00

(vii)  Investor Default Amount

    Series 1992-2                                            50,518,096.23
      A                                                      41,673,956.56
      B                                                       3,750,656.09
      C                                                       5,093,483.58

    Series 1992-3                                             4,875,130.82
      A                                                       4,021,982.93
      B                                                         853,147.89

    Series 1995-1                                            60,195,715.02
      A                                                      50,564,400.62
      B                                                       4,815,657.20
      C                                                       4,815,657.20

    Series 1996-1                                            24,041,242.50
      A                                                      20,188,716.74
      B                                                       1,926,262.88
      C                                                       1,926,262.88


(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                                            10,910,000.04
      A                                                       9,000,000.03
      B                                                         810,000.00
      C                                                       1,100,000.00

    Series 1992-3                                             1,038,324.09
      A                                                         856,617.37
      B                                                         181,706.72

    Series 1995-1                                            12,999,999.96
      A                                                      10,919,999.97
      B                                                       1,040,000.00
      C                                                       1,040,000.00

    Series 1996-1                                             5,192,000.04
      A                                                       4,360,000.03
      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         30-Jan-99                2,074,128,465
       Principal Receivables in Trust                        1,996,286,424

(xii)  Invested Amount              30-Jan-99

    Series 1992-2                                           545,500,000.00
      A                                                     450,000,000.00
      B                                                      40,500,000.00
      C                                                      55,000,000.00

    Series 1992-3                                                     0.00
      A                                                               0.00
      B                                                               0.00

    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                                                1.0000000
      A                                                          1.0000000
      B                                                          1.0000000
      C                                                          1.0000000

    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                                                  9.528%
       Finance Charge Receivables Factor                             3.753%

(xvi)  Payout Event

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

(xvii) Other

    Delinquency

    Current                                      81.4%      $1,720,212,610
    30 days                                      11.9%         251,400,657
    60 days                                       2.4%          50,658,337
    90 days                                       1.2%          26,116,481
    120 days                                      1.0%          21,005,236
    150 days                                      0.9%          19,257,736
    180 days+                                     1.2%          24,698,494
      Total                                     100.0%      $2,113,349,552

    Balance in Principal Account              30-Jan-9                  $0
    Balance in Excess-Funding Account                                   $0