8-K 1 ucs02113101.txt UCS MONTHLY 8-K SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 _______________ FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (date of earliest event reported) December 14, 2001 Universal Bank, N.A. (Originator of the Universal Card Master Trust) Universal Card Master Trust (Issuer of the Asset Backed Certificates) (Exact name of registrant as specified in its charter) United States of America 33-93806 58-1885168 (State or Other (Commission File (IRS Employer Jurisdiction of Number) Identification Incorporation) Number) 200 Brookstone Centre, Suite 110 Columbus, GA 31904 31904 (Address of Principal Executive Office) (Zip Code) Registrants telephone number, including area code (706) 562-2200 N/A (Former Name or Former Address, if Changed Since Last Report) INFORMATION TO BE INCLUDED IN THE REPORT Items 1-4. Not Applicable Item 5. The Certificateholder Statements for the month ending November 30, 2001 for the Universal Card Master Trust Series 1995-3, and Series 1997-1 Certificates were distributed on December 17, 2001. Item 6. Not Applicable. Item 7. Exhibits. The following are filed as Exhibits to this Report under Exhibits 20.1, and 20.4. Exhibit 20.1 Monthly Servicing Report dated December 17, 2001 with respect to the Universal Card Master Trust Series 1995-3. Exhibit 20.4 Monthly Servicing Report dated December 17, 2001 with respect to the Universal Card Master Trust Series 1997-1. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. UNIVERSAL BANK, N.A. By:_/s/ Meridith Jarrell Name: Meridith Jarrell Title: President & Chief Operating Officer EXHIBIT INDEX Exhibit Description 20.1 Monthly Servicing Report dated December 17, 2001 with respect to the Universal Card Master Trust Series 1995-3. 20.4 Monthly Servicing Report dated December 17, 2001 with respect to the Universal Card Master Trust Series 1997-1. Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date.

5. Delinquencies (Aggregate outstanding balances in the Accounts that were delinquent by the time periods listed below as of the close of business of the month preceding the Distribution Date, as a percentage of aggregate Receivables as of the last day of the Due Period) :

Page 4 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust For the Due Period Ending November 30, 2001 ============================================================================== B. Information Regarding Group 1 -----------------------------

C. Information Regarding Group 1 -----------------------------

Page 5 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust, Series 1995-3 For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date.

*Finance charges have been reallocated based on sharing mechanics within the Group, this amount also includes investment proceeds due to Series. C3. Information Regarding Trigger Level ------------------------------------

Page 4 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust, Series 1995-3 For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date.

-------------------------------------------------------------------------- (2) Applicable during the Accumulation Period and any Early Amortization Period Page 5 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust, Series 1995-3 For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date.

---------------------------------------------------------- (3) The following information, as applicable, is included only on Payment Date. Page 6 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust, Series 1995-3 For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date. The undersigned, a duly authorized representative of Universal Card Services Corp.('UCS'), as a Servicer pursuant to the Pooling and Servicing Agreement dated as of August 1, 1995 (as amended and supplemented, the 'Pooling And Servicing Agreement'), among UCS, Universal Bank, N.A., as Transferor and Bankers Trust Company, as Trustee (the 'Trustee'), does hereby certify the information set forth below. 1. Capitalized terms used in the Certificate have their respective meanings as set forth in the Agreement or Series Supplement, as applicable. 2. Universal Card Services Corp. is, as of the date hereof, the Servicer under the Agreement. 3. The undersigned is a Servicing Officer. 4. This Certificate relates to the Distribution Date occurring on December 17, 2001 5. As of the date hereof, to the best knowledge of the undersigned, the Servicer has performed in all material respects all its obligations under the Agreement through the Due Period preceeding such Distribution Date. 6. As of the date hereof, to the best knowledge of the undersigned, no Amortization Event has been deemed to have occurred on or prior to such Distribution Date. 7. As of date hereof, to the best knowledge of the undersigned, no Lien has been placed on any of the Receivables other than pursuant to the Agreement. IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Certificate this 18 day of December 2001 Universal Card Services Corp., Servicer By: /s/ Andrew Lubliner __________________________________________ Name: Andrew Lubliner Title: Servicing Officer Page 7 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust, Series 1997-1 For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date.

Page 8 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust, Series 1997-1 For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date.

-------------------------------------------------------------------------- (2) Applicable during the Accumulation Period and any Early Amortization Period Page 9 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust, Series 1997-1 For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date.

---------------------------------------------------------- (3) The following information, as applicable, is included only on Payment Date. Page 10 Universal Bank, N.A., Transferor Universal Card Services Corp., Servicer ============================================================================== Universal Card Master Trust, Series 1997-1 For the Due Period Ending November 30, 2001 ============================================================================== This Certificate relates to the Due Period ending Nov 30, 2001 and the related Distribution Date. The undersigned, a duly authorized representative of Universal Card Services Corp.('UCS'), as a Servicer pursuant to the Pooling and Servicing Agreement dated as of August 1, 1995 (as amended and supplemented, the 'Pooling And Servicing Agreement'), among UCS, Universal Bank, N.A., as Transferor and Bankers Trust Company, as Trustee (the 'Trustee'), does hereby certify the information set forth below. 1. Capitalized terms used in the Certificate have their respective meanings as set forth in the Agreement or Series Supplement, as applicable. 2. Universal Card Services Corp. is, as of the date hereof, the Servicer under the Agreement. 3. The undersigned is a Servicing Officer. 4. This Certificate relates to the Distribution Date occurring on December 17, 2001 5. As of the date hereof, to the best knowledge of the undersigned, the Servicer has performed in all material respects all its obligations under the Agreement through the Due Period preceeding such Distribution Date. 6. As of the date hereof, to the best knowledge of the undersigned, no Amortization Event has been deemed to have occurred on or prior to such Distribution Date. 7. As of date hereof, to the best knowledge of the undersigned, no Lien has been placed on any of the Receivables other than pursuant to the Agreement. IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Certificate this 18 day of December 2001 Universal Card Services Corp., Servicer By: /s/ Andrew Lubliner __________________________________________ Name: Andrew Lubliner Title: Servicing Officer Page 11

UNIVERSAL BANK NA 8-K