Prime Credit Card Master Trust                          28-Apr-98
                                                         02:21 PM
Settlement Statement
--------------



Fiscal Period:              Annual 1997
                              02-Feb-97
                              31-Jan-98

(i)   Collections                                   4,987,865,721
       Finance Charge                                 554,535,032
       Principal                                    4,433,330,689

(ii)  Investor Percentage - Principal Collection        31-Jan-98


    Series 1992-1                                            0.00%
      A                                                      0.00%
      B                                                      0.00%
      C                                                      0.00%

    Series 1992-2                                           24.37%
      A                                                     20.10%
      B                                                      1.81%
      C                                                      2.46%

    Series 1992-3                                           20.30%
      A                                                     16.75%
      B                                                      3.55%

    Series 1995-1                                           29.04%
      A                                                     24.39%
      B                                                      2.32%
      C                                                      2.32%

    Series 1996-1                                           11.60%
      A                                                      9.74%
      B                                                      0.93%
      C                                                      0.93%

(iii) Investor Percentage - Finance Charge Collections, Receivables
         in Defaulted Accounts                          31-Jan-98

    Series 1992-1                                            0.00%
      A                                                      0.00%
      B                                                      0.00%
      C                                                      0.00%

    Series 1992-2                                           24.37%
      A                                                     20.10%
      B                                                      1.81%
      C                                                      2.46%

    Series 1992-3                                           20.30%
      A                                                     16.75%
      B                                                      3.55%

    Series 1995-1                                           29.04%
      A                                                     24.39%
      B                                                      2.32%
      C                                                      2.32%

    Series 1996-1                                           11.60%
      A                                                      9.74%
      B                                                      0.93%
      C                                                      0.93%

(iv)  Distribution Amount per $1,000    FY 1997

    Series 1992-1                                       1,060.972
      A                                                 1,064.625
      B                                                 1,075.500
      C                                                 1,035.985

    Series 1992-2                                          72.080
      A                                                    74.500
      B                                                    79.500
      C                                                    35.985

    Series 1992-3                                          825.43
      A                                                  1,000.52
      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 1992-1                               576,125,860.09
       Series 1992-2                                38,130,172.59
       Series 1992-3                             6,918,969,882.22
       Series 1995-1                                40,443,000.00
       Series 1996-1                                16,030,800.00

(v)   Allocation to Principal per $1,000FY 1997

    Series 1992-1                                       1,000.000
      A                                                 1,000.000
      B                                                 1,000.000
      C                                                 1,000.000

    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                        7,460,852,560.22
       Series 1992-1                               545,500,000.00
       Series 1992-2                                         0.00
       Series 1992-3                             6,915,352,560.22
       Series 1995-1                                         0.00
       Series 1996-1                                         0.00

(vi) Allocation to Interest per $1,000  FY 1997

    Series 1992-1                                          60.972
      A                                                    64.625
      B                                                    75.500
      C                                                    35.985

    Series 1992-2                                          72.080
      A                                                    74.500
      B                                                    79.500
      C                                                    35.985

    Series 1992-3                                           0.432
      A                                                     0.523
      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 1992-1                                30,625,860.09
       Series 1992-2                                38,130,172.59
       Series 1992-3                                 3,617,322.00
       Series 1995-1                                40,443,000.00
       Series 1996-1                                16,030,800.00

(vii)  Investor Default Amount

    Series 1992-1                                   41,348,390.04
      A                                             31,430,225.23
      B                                              4,103,384.64
      C                                              5,814,780.17

    Series 1992-2                                   57,672,046.93
      A                                             47,575,474.09
      B                                              4,281,792.67
      C                                              5,814,780.17

    Series 1992-3                                    7,664,192.11
      A                                              6,322,958.49
      B                                              1,341,233.62

    Series 1995-1                                   68,720,122.59
      A                                             57,724,902.98
      B                                              5,497,609.81
      C                                              5,497,609.81

    Series 1996-1                                   26,172,014.77
      A                                             21,978,040.14
      B                                              2,096,987.32
      C                                              2,096,987.32


(viii) Investor Charge Offs
                            Charge Offs           Reimbursements
    Series 1992-1                  0.00                      0.00
      A                            0.00                      0.00
      B                            0.00                      0.00
      C                            0.00                      0.00

    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 1992-1                                    8,660,000.02
      A                                              7,143,904.69
      B                                                642,951.42
      C                                                873,143.91

    Series 1992-2                                   10,910,000.04
      A                                              9,000,000.03
      B                                                810,000.00
      C                                              1,100,000.00

    Series 1992-3                                    1,331,171.30
      A                                              1,098,216.32
      B                                                232,954.98

    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 1992-1                                            0.00
      A                                                      0.00
      B                                                      0.00
      C                                                      0.00

    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   31-Jan-98             2,314,090,569
       Principal Receivables in Trust               2,232,171,762

(xii)  Invested Amount        31-Jan-98

    Series 1992-1                                            0.00
      A                                                      0.00
      B                                                      0.00
      C                                                      0.00

    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                                  454,329,261.36
      A                                            374,821,640.62
      B                                             79,507,620.74

    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 1992-1                                       0.0000000
      A                                                 0.0000000
      B                                                 0.0000000
      C                                                 0.0000000

    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                                         10.05%
       Finance Charge Receivables Factor                     3.54%

(xvi)  Payout Event

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

(xvii) Other

    Delinquency

    Current                                79.7%   $1,872,804,083
    30 days                                12.5%      293,178,579
    60 days                                 2.8%       66,312,920
    90 days                                 1.5%       34,124,281
    120 days                                1.2%       27,114,055
    150 days                                1.1%       24,964,230
    180 days+                               1.4%       32,395,034
      Total                             100.000%   $2,350,893,181

    Balance in Pre-Funding Account                           0.00