-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, W1X/K+z0xdalmcWDQqUfpcjMICQkAughKhVv7Rt3NjFv6b+Jtq+PSkuthUV+p+35 GAlgB7Jyyv40epsRhJegiA== 0000936988-99-000009.txt : 19990315 0000936988-99-000009.hdr.sgml : 19990315 ACCESSION NUMBER: 0000936988-99-000009 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 79 CONFORMED PERIOD OF REPORT: 19990228 ITEM INFORMATION: ITEM INFORMATION: FILED AS OF DATE: 19990312 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MBNA AMERICA BANK NATIONAL ASSOCIATION CENTRAL INDEX KEY: 0000838440 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 510331454 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: SEC FILE NUMBER: 000-17324 FILM NUMBER: 99564376 BUSINESS ADDRESS: STREET 1: 1100 NORTH KING ST CITY: WILMINGTON STATE: DE ZIP: 19801 BUSINESS PHONE: 3024539930 MAIL ADDRESS: STREET 1: 400 CHRISTIANA RD MS 700760 CITY: NEWARK STATE: DE ZIP: 19713 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MBNA AMERICA BK NAT ASSOC MBNA MASTER CREDIT CARD TRUST II CENTRAL INDEX KEY: 0000936988 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 510331454 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: SEC FILE NUMBER: 000-20949 FILM NUMBER: 99564377 BUSINESS ADDRESS: STREET 1: 1100 NORTH KING ST CITY: WILMINGTON STATE: DE ZIP: 19801 BUSINESS PHONE: 3024539930 MAIL ADDRESS: STREET 1: 400 CHRISTIANA RD STREET 2: MS 700760 CITY: NEWARK STATE: DE ZIP: 19813 8-K 1 ============================================================================= = FORM 8-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20529 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. Date of Report: March 12, 1999 MBNA AMERICA BANK, NATIONAL ASSOCIATION ON BEHALF OF THE MBNA MASTER CREDIT CARD TRUST II (Exact name of registrant as specified in its charter) United States 333-62025 51-0331454 - ----------------- ----------------------------- -------------- (State or other (Commission File (IRS Employer jurisdiction of Number) Identification No.) incorporation) Wilmington, DE 19884-0781 - ----------------------------------------------------------------------------- - - (Address of principal executive office) Registrant's telephone number, including area code (800) 362-6255. --------------- ITEM 2. ACQUISITION OR DISPOSITION OF ASSETS On February 10, 1999, MBNA America Bank, National Association (the "Seller") conveyed to the MBNA Master Credit Card Trust II (the "Trust") all of the receivables (the "Receivables") in certain additional credit card accounts (the "Additional Accounts") of the Seller pursuant to an Assignment No. 20 of Receivables in Additional Accounts dated as of February 10, 1999, (the "Assignment"). The principal amount of the Receivables in the Additional Accounts on February 10, 1999, was $1,223,590,717.03. The Seller conveyed the Receivables in the Additional Accounts to the Trust pursuant to subsection 2.06(b) of the Pooling and Servicing Agreement Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS The following are filed as Exhibits to this Report under Exhibit 20: 20.1 Series 1994-A Certificateholders' Statement for the month ended February 28, 1999. 20.2 Series 1994-B Certificateholders' Statement for the month ended February 28, 1999. 20.3 Series 1994-C Certificateholders' Statement for the month ended February 28, 1999. 20.4 Series 1995-A Certificateholders' Statement for the month ended February 28, 1999. 20.5 Series 1995-B Certificateholders' Statement for the month ended February 28, 1999. 20.6 Series 1995-C Certificateholders' Statement for the month ended February 28, 1999. 20.7 Series 1995-D Certificateholders' Statement for the month ended February 28, 1999. 20.8 Series 1995-E Certificateholders' Statement for the month ended February 28, 1999. 20.9 Series 1995-F Certificateholders' Statement for the month ended February 28, 1999. 20.10 Series 1995-I Certificateholders' Statement for the month ended February 28, 1999. 20.11 Series 1995-J Certificateholders' Statement for the month ended February 28, 1999. 20.12 Series 1996-A Certificateholders' Statement for the month ended February 28, 1999. 20.13 Series 1996-B Certificateholders' Statement for the month ended February 28, 1999. 20.14 Series 1996-C Certificateholders' Statement for the month ended February 28, 1999. 20.15 Series 1996-D Certificateholders' Statement for the month ended February 28, 1999. 20.16 Series 1996-E Certificateholders' Statement for the month ended February 28, 1999. 20.17 Series 1996-G Certificateholders' Statement for the month ended February 28, 1999. 20.18 Series 1996-H Certificateholders' Statement for the month ended February 28, 1999. 20.19 Series 1996-J Certificateholders' Statement for the month ended February 28, 1999. 20.20 Series 1996-K Certificateholders' Statement for the month ended February 28, 1999. 20.21 Series 1996-L Certificateholders' Statement for the month ended February 28, 1999. 20.22 Series 1996-M Certificateholders' Statement for the month ended February 28, 1999. 20.23 Series 1997-B Certificateholders' Statement for the month ended February 28, 1999. 20.24 Series 1997-C Certificateholders' Statement for the month ended February 28, 1999. 20.25 Series 1997-E Certificateholders' Statement for the month ended February 28, 1999. 20.26 Series 1997-F Certificateholders' Statement for the month ended February 28, 1999. 20.27 Series 1997-I Certificateholders' Statement for the month ended February 28, 1999. 20.28 Series 1997-J Certificateholders' Statement for the month ended February 28, 1999. 20.29 Series 1997-K Certificateholders' Statement for the month ended February 28, 1999. 20.30 Series 1997-M Certificateholders' Statement for the month ended February 28, 1999. 20.31 Series 1997-N Certificateholders' Statement for the month ended February 28, 1999. 20.32 Series 1998-A Certificateholders' Statement for the month ended February 28, 1999. 20.33 Series 1998-C Certificateholders' Statement for the month ended February 28, 1999. 20.34 Series 1998-D Certificateholders' Statement for the month ended February 28, 1999. 20.35 Series 1998-E Certificateholders' Statement for the month ended February 28, 1999. 20.36 Series 1998-F Certificateholders' Statement for the month ended February 28, 1999. 20.37 Series 1998-G Certificateholders' Statement for the month ended February 28, 1999. 20.38 Series 1998-I Certificateholders' Statement for the month ended February 28, 1999. 20.39 Series 1998-J Certificateholders' Statement for the month ended February 28, 1999. Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS The following are filed as Exhibits to this Report under Exhibit 99: 99.1. Series 1994-A Key Performance Factors for the month ended February 28, 1999. 99.2. Series 1994-B Key Performance Factors for the month ended February 28, 1999. 99.3. Series 1994-C Key Performance Factors for the month ended February 28, 1999. 99.4. Series 1995-A Key Performance Factors for the month ended February 28, 1999. 99.5. Series 1995-B Key Performance Factors for the month ended February 28, 1999. 99.6. Series 1995-C Key Performance Factors for the month ended February 28, 1999. 99.7. Series 1995-D Key Performance Factors for the month ended February 28, 1999. 99.8. Series 1995-E Key Performance Factors for the month ended February 28, 1999. 99.9. Series 1995-F Key Performance Factors for the month ended February 28, 1999. 99.10. Series 1995-I Key Performance Factors for the month ended February 28, 1999. 99.11. Series 1995-J Key Performance Factors for the month ended February 28, 1999. 99.12. Series 1996-A Key Performance Factors for the month ended February 28, 1999. 99.13. Series 1996-B Key Performance Factors for the month ended February 28, 1999. 99.14. Series 1996-C Key Performance Factors for the month ended February 28, 1999. 99.15. Series 1996-D Key Performance Factors for the month ended February 28, 1999. 99.16. Series 1996-E Key Performance Factors for the month ended February 28, 1999. 99.17. Series 1996-G Key Performance Factors for the month ended February 28, 1999. 99.18. Series 1996-H Key Performance Factors for the month ended February 28, 1999. 99.19. Series 1996-J Key Performance Factors for the month ended February 28, 1999. 99.20. Series 1996-K Key Performance Factors for the month ended February 28, 1999. 99.21. Series 1996-L Key Performance Factors for the month ended February 28, 1999. 99.22. Series 1996-M Key Performance Factors for the month ended February 28, 1999. 99.23. Series 1997-B Key Performance Factors for the month ended February 28, 1999. 99.24. Series 1997-C Key Performance Factors for the month ended February 28, 1999. 99.25. Series 1997-E Key Performance Factors for the month ended February 28, 1999. 99.26. Series 1997-F Key Performance Factors for the month ended February 28, 1999. 99.27. Series 1997-I Key Performance Factors for the month ended February 28, 1999. 99.28. Series 1997-J Key Performance Factors for the month ended February 28, 1999. 99.29. Series 1997-K Key Performance Factors for the month ended February 28, 1999. 99.30. Series 1997-M Key Performance Factors for the month ended February 28, 1999. 99.31. Series 1997-N Key Performance Factors for the month ended February 28, 1999. 99.32. Series 1998-A Key Performance Factors for the month ended February 28, 1999. 99.33. Series 1998-C Key Performance Factors for the month ended February 28, 1999. 99.34. Series 1998-D Key Performance Factors for the month ended February 28, 1999. 99.35. Series 1998-E Key Performance Factors for the month ended February 28, 1999. 99.36. Series 1998-F Key Performance Factors for the month ended February 28, 1999. 99.37. Series 1998-G Key Performance Factors for the month ended February 28, 1999. 99.38. Series 1998-I Key Performance Factors for the month ended February 28, 1999. 99.39. Series 1998-J Key Performance Factors for the month ended February 28, 1999. 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 thereunto duly authorized. Dated: March 12, 1999 MBNA AMERICA BANK, NATIONAL ASSOCIATION By: David Martini ---------------------------------- Name: David Martini Title: Vice President EX-20.1 2 CLASS A CUSIP 55262T AA1 Exhibit 20.1 CLASS B CUSIP 55262T AB9 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1994-A MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $ 0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $ 0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $ 0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $ 3.830625 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $ 0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $ 0.000000 ---------------- 7. The amount of distribution in respect of Class B Monthly Interest $ 3.980625 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $ 0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $ 4.114222 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $ 0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $82,009,236.10 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $4,241,856.04 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,012,396.81 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1994-A as of the end of the day on the last day of the related Monthly Period $760,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1994-A as of the end of the day on the last day of the related Monthly Period $760,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $661,200,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $661,200,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $34,200,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $64,600,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.90% February 10, 1999 through February 28, 1999 1.86% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,247,567.17 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,825,383.49 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $146,140.48 ----------------- (d) The Collateral Default Amount for the related Monthly Period $276,043.20 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $688,750.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $35,625.00 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $67,291.67 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $64,600,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $34,200,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,407,498.32 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $486,594.69 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $919,123.50 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $9,820,748.32 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $507,969.69 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $959,498.50 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.33% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: Class A and Class B determination - 4.93750% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1994-A EX-20.2 3 CLASS A CUSIP 55262T AC7 Exhibit 20.2 CLASS B CUSIP 55262T AD5 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1994-B MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.759916 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.965625 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.114222 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $107,906,889.77 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,581,389.30 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $10,542,625.71 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1994-B as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1994-B as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $870,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $870,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $45,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $85,000,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 2.49% February 10, 1999 through February 28, 1999 2.44% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $4,273,114.73 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $3,717,609.85 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $192,290.14 ----------------- (d) The Collateral Default Amount for the related Monthly Period $363,214.74 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $906,250.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $46,875.00 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $88,541.67 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $85,000,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $45,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date after taking into account deposits on such date prior to withdrawals $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date. $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $12,378,287.42 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $640,255.98 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,209,372.73 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Investment Proceeds and amounts, if any, withdrawn from the Reserve Account and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $12,922,037.42 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $668,380.98 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,262,497.73 ----------------- 11. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date $ 0.00 ----------------- (b) The amount of the Net Swap Payment for the related Transfer Date $48,668.73 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.34% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: Class B determination - 4.93750% ----------- Collateral Interest determination - 4.93563% ----------- The weighted average of the Treasury Bill Rates for the Interest Period: February 16, 1999 through March 14, 1999 4.63285% ---------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1994-B EX-20.3 4 CLASS A CUSIP 55262T AE3 Exhibit 20.3 CLASS B CUSIP 55262T AF0 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1994-C MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.890625 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $4.040625 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.207972 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $107,906,889.77 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,581,389.30 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $10,542,625.71 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1994-C as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1994-C as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $870,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $870,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $45,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $85,000,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 2.49% February 10, 1999 through February 28, 1999 2.44% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $4,273,114.73 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $3,717,609.85 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $192,290.14 ----------------- (d) The Collateral Default Amount for the related Monthly Period $363,214.74 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $906,250.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $46,875.00 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $88,541.67 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $85,000,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $45,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $12,378,287.42 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $640,255.98 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,209,372.73 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $12,922,037.42 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $668,380.98 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,262,497.73 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.24% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: Class A and Class B determination - 4.93750% --------- Collateral Interest determination - 4.93563% --------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1994-C EX-20.4 5 CLASS A CUSIP 55262T AJ2 Exhibit 20.4 CLASS B CUSIP 55262T AK9 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-A MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.904223 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $4.039222 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.257375 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $62,046,461.78 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $3,209,298.06 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,062,011.26 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-A as of the end of the day on the last day of the related Monthly Period $575,000,000.00 ---------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-A as of the end of the day on the last day of the related Monthly Period $575,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $500,250,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $500,250,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $25,875,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $48,875,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.43% February 10, 1999 through February 28, 1999 1.41% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,457,040.97 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,137,625.71 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $110,566.79 ----------------- (d) The Collateral Default Amount for the related Monthly Period $208,848.47 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $521,093.75 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $26,953.13 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $50,911.45 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $48,875,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $25,875,000.00 ----------------- 8. Collection of Finance Charge Receivables (a) The Aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Procees and amounts, if any, withdrawn from the Reserve Account allocated in respect of the Class A Certificates $7,430,171.65 ----------------- (b) The Aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $384,318.92 ----------------- (c) The Aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $725,936.41 ----------------- 9. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $7,117,515.40 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $368,147.04 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $695,389.54 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.25% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% - --------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1995-A EX-20.5 6 CLASS A CUSIP 55262T AL7 Exhibit 20.5 CLASS B CUSIP 55262T AM5 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-B MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.821722 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.941722 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.078125 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $80,930,166.89 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $4,186,043.62 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $7,906,969.75 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-B as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-B as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $652,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $652,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $33,750,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $63,750,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 1999 1.83% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.13 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,788,207.41 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $144,217.66 ----------------- (d) The Collateral Default Amount for the related Monthly Period $272,411.06 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $679,687.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $35,156.25 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $66,406.25 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $63,750,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $33,750,000.00 ----------------- 8. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Investment Proceeds and amounts, if any, withdrawn from the Reserve Account allocated in respect of the Class A Certificates $9,691,528.20 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $501,286.00 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $946,873.26 ----------------- 9. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date after taking into account deposits on such date prior to withdrawals $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date. $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,283,715.70 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $480,192.25 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $907,029.51 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.37% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1995-B EX-20.6 7 CLASS A CUSIP 55262T AN3 Exhibit 20.6 CLASS B CUSIP 55262T AP8 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-C MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $5.375000 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $4.016722 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.241723 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $62,046,461.78 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $3,209,298.06 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,062,011.26 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-C as of the end of the day on the last day of the related Monthly Period $575,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-C as of the end of the day on the last day of the related Monthly Period $575,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $500,250,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $500,250,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $25,875,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $48,875,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.43% February 10, 1999 through February 28, 1999 1.41% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,457,040.97 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,137,625.71 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $110,566.79 ----------------- (d) The Collateral Default Amount for the related Monthly Period $208,848.47 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $521,093.75 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $26,953.13 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $50,911.45 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $48,875,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $25,875,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date after taking into account deposits on such date prior to withdrawals $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $7,882,161.28 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $368,147.04 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $695,389.54 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Investment Proceeds and amounts, if any, withdrawn from the Reserve Account and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $8,194,817.53 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $384,318.92 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $725,936.41 ----------------- 11. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date $764,645.88 ----------------- (b) The amount of the Net Swap Payment for the related Transfer Date $ 0.00 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.31% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% - ----------- D. Information regarding the status of the Interest Rate Swap and the Swap Counterparty 1. The Mark-to-Market Amount, if any, for the related Monthly Period. $ N/A ---------------- 2. Has the Interest Reserve Account been established? No ------ 3. Has the Interest Reserve Account been funded? No ------ 4. The aggregate amount of funds withdrawn from the Interest Reserve Account, if any $ 0.00 ---------------- 5. How many funds withdrawn from the Interest Reserve Account were utilized? none 6. Has the Interest Rate Swap been Terminated? No ------- 7. Long Term Credit Rating of the Swap Counterparty AAA/Aaa ------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1995-C EX-20.7 8 CLASS A CUSIP 55262T AQ6 Exhibit 20.7 CLASS B CUSIP 55262T AR4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-D MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $5.041667 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.919223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.107605 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $53,953,447.39 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $2,790,696.23 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,271,315.38 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-D as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-D as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $22,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $42,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.53 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,858,805.01 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $96,145.10 ----------------- (d) The Collateral Default Amount for the related Monthly Period $181,607.42 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $453,125.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $23,437.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $44,270.83 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $42,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $22,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date after taking into account deposits on such date prior to withdrawals $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date. $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,749,508.46 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $320,128.28 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $604,686.69 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Investment Proceeds and amounts, if any, withdrawn from the Reserve Account and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $7,021,383.46 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $334,190.78 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $631,249.19 ----------------- 11. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date $560,364.46 ----------------- (b) The amount of the Net Swap Payment for the related Transfer Date $ 0.00 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.45% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% - ----------- D. Information regarding the status of the Interest Rate Swap and the Swap Counterparty 1. The Mark-to-Market Amount, if any, for the related Monthly Period. $ N/A ---------------- 2. Has the Interest Reserve Account been established? No ------ 3. Has the Interest Reserve Account been funded? No ------ 4. The aggregate amount of funds withdrawn from the Interest Reserve Account, if any $ 0.00 ---------------- 5. How any funds withdrawn from the Interest Reserve Account were utilized? none 6. Has the Interest Rate Swap been Terminated? No ------- 7. Long Term Credit Rating of the Swap Counterparty AAA/Aaa ------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1995-D EX-20.8 9 CLASS A CUSIP 55262T AS2 Exhibit 20.8 CLASS B CUSIP 55262T AT0 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-E MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.866723 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.941723 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.166723 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $53,953,447.39 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $2,790,696.23 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,271,315.38 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-E as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-E as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $22,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $42,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.53 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,858,805.01 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $96,145.10 ----------------- (d) The Collateral Default Amount for the related Monthly Period $181,607.42 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $453,125.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $23,437.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $44,270.83 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $42,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $22,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,189,144.00 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $320,128.28 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $604,686.69 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,461,019.00 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $334,190.78 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $631,249.19 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.31% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1995-E EX-20.9 10 CLASS A CUSIP 55262T AU7 Exhibit 20.9 CLASS B CUSIP 55262T AV5 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-F MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $5.500000 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $5.625000 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.041008 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $ 56,434,061.54 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $ 2,325,580.49 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $ 3,255,811.94 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-F as of the end of the day on the last day of the related Monthly Period $ 500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-F as of the end of the day on the last day of the related Monthly Period $ 500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $ 455,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $ 455,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $ 18,750,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $ 26,250,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period0.910000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly0.037500 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period0.052500 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ----- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ------ (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ------ (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ------ 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.37 ------------------ (b) The Class A Investor Default Amount for the related Monthly Period $1,944,267.18 ------------------ (c) The Class B Investor Default Amount for the related Monthly Period $80,120.88 ------------------ (d) The Collateral Default Amount for the related Monthly Period $112,169.31 ------------------ 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ------------------ (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ------------------ (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ------------------ (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $473,958.33 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $19,531.25 ------------------ (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $27,343.75 ------------------ 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c) The Collateral Interest as of the close of business on this Distribution Date $26,250,000.00 ------------------ (d) The Class B Investor Interest as of the close of business on this Distribution Date $18,750,000.00 ------------------ 8. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Investment Proceeds and amounts, if any, withdrawn from the Reserve Account allocated in respect of the Class A Certificates $6,758,076.92 ------------------ (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $278,492.14 ------------------ (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $389,889.22 ------------------ 9. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date after taking into account deposits on such date prior to withdrawals $ 0.00 ------------------ (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ------------------ (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date. $ 0.00 ------------------ 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,473,701.92 ------------------ (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $266,773.39 ------------------ (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $373,482.97 ------------------ 11. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date $822,322.09 ------------------ (b) The amount of the Net Swap Payment for the related Transfer Date $ 0.00 ------------------ 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 4.18% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period Collateral Interest Determination February 16, 1999 through March 14, 1999: 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1995-F EX-20.10 11 CLASS A CUSIP 55262T AW3 Exhibit 20.10 CLASS B CUSIP 55262T AX1 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-I MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.829222 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.904223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.020472 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $80,930,166.89 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $4,186,043.62 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $7,906,969.75 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-I as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-I as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $652,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $652,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $33,750,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $63,750,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 1999 1.83% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.13 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,788,207.41 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $144,217.66 ----------------- (d) The Collateral Default Amount for the related Monthly Period $272,411.06 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $679,687.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $35,156.25 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $66,406.25 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $63,750,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $33,750,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,283,715.70 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $480,192.25 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $907,029.51 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $9,691,528.20 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $501,286.00 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $946,873.26 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.37% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1995-I EX-20.11 12 CLASS A CUSIP 55262T AY9 Exhibit 20.11 CLASS B CUSIP 55262T AZ6 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-J MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.874223 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.964223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.151723 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $53,953,447.39 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $2,790,696.23 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,271,315.38 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-J as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-J as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $22,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $42,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.53 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,858,805.01 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $96,145.10 ----------------- (d) The Collateral Default Amount for the related Monthly Period $181,607.42 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $453,125.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $23,437.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $44,270.83 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $42,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $22,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,189,144.00 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $320,128.28 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $604,686.69 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,461,019.00 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $334,190.78 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $631,249.19 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.30% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1995-J EX-20.12 13 CLASS A CUSIP 55262T BA0 Exhibit 20.12 CLASS B CUSIP 55262T BB8 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-A MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.859222 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.956723 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.054223 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $75,534,823.73 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $3,906,975.81 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $7,379,838.68 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-A as of the end of the day on the last day of the related Monthly Period $700,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-A as of the end of the day on the last day of the related Monthly Period $700,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $609,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $609,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $31,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $59,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.75% February 10, 1999 through February 28, 19991.71% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,991,180.42 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,602,326.89 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $134,603.18 ----------------- (d) The Collateral Default Amount for the related Monthly Period $254,250.35 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $634,375.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $32,812.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $61,979.17 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $437,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $59,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $31,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,664,801.46 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $448,179.55 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $846,560.93 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $9,045,426.46 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $467,867.05 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $883,748.43 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.32% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1996-A EX-20.13 14 CLASS A CUSIP 55262T BC6 Exhibit 20.13 CLASS B CUSIP 55262T BD4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-B MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.896723 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.979223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.252311 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $53,953,447.39 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $2,790,696.23 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,271,315.38 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-B as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-B as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $22,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $42,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.53 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,858,805.01 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $96,145.10 ----------------- (d) The Collateral Default Amount for the related Monthly Period $181,607.42 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $453,125.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $23,437.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $44,270.83 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $42,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $22,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,189,144.00 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $320,128.28 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $604,686.69 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,461,019.00 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $334,190.78 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $631,249.19 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.26% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1996-B EX-20.14 15 CLASS A CUSIP 55262T BE2 Exhibit 20.14 CLASS B CUSIP 55262T BF9 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-C MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.806723 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.911723 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.095472 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $53,953,447.39 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $2,790,696.23 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,271,315.38 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-C as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-C as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $22,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $42,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.53 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,858,805.01 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $96,145.10 ----------------- (d) The Collateral Default Amount for the related Monthly Period $181,607.42 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $453,125.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $23,437.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $44,270.83 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $42,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $22,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,189,144.00 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $320,128.28 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $604,686.69 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,461,019.00 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $334,190.78 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $631,249.19 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.39% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1996-C EX-20.15 16 CLASS A CUSIP 55262T BG7 Exhibit 20.15 CLASS B CUSIP 55262T BH5 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-D MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.814223 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.919223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.039223 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $105,426,272.43 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $9,302,317.06 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $9,302,317.06 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-D as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-D as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $75,000,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 2.49% February 10, 1999 through February 28, 1999 2.44% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.075000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $4,273,114.79 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $3,632,147.61 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $320,483.59 ----------------- (d) The Collateral Default Amount for the related Monthly Period $320,483.59 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $885,416.67 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $625,000.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $12,093,729.23 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,067,093.71 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,067,093.71 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $12,624,979.23 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $1,113,968.71 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,113,968.71 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.38% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1996-D EX-20.16 17 CLASS A CUSIP 55262T BJ1 Exhibit 20.16 CLASS B CUSIP 55262T BK8 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-E MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.829222 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.934223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.132972 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-E as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-E as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 1999 1.83% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $ 3,204,836.11 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $240,362.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $240,362.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The amount of all or the portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,070,296.94 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $9,468,734.44 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $835,476.69 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.35% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: Class A and Class B determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1996-E EX-20.17 18 CLASS A CUSIP 55262T BL6 Exhibit 20.17 CLASS B CUSIP 55262T BM4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-G MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.836722 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.964222 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.409842 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $52,713,136.81 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $4,651,157.59 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $4,651,157.59 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-G as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-G as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.075000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.29 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,816,073.79 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $160,241.75 ----------------- (d) The Collateral Default Amount for the related Monthly Period $160,241.75 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $442,708.33 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,046,864.72 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $533,546.79 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $533,546.79 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,312,489.72 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $556,984.29 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $556,984.29 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.34% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% - ----------- Collateral Interest Determination for the Interest Period of February 12, 1999 to March 12, 1999: 4.93563% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1996-G EX-20.18 19 CLASS A CUSIP 55262TBN2 Exhibit 20.18 CLASS B CUSIP 55262TBP7 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-H MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Collateral Monthly Interest $4.227712 ----------------- 5. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of the current monthly accumulation in respect of Class A Monthly Interest $3.825000 ----------------- 2. The amount of the current monthly accumulation in respect of Class A Deficiency Amounts $0.000000 ----------------- 3. The amount of the current monthly accumulation in respect of Class A Additional Interest $0.000000 ---------------- 4. The amount of the current monthly accumulation in respect of Class B Monthly Interest $3.952500 ----------------- 5. The amount of the current monthly accumulation in respect of Class B Deficiency Amounts $ 0.000000 ----------------- 6. The amount of the current monthly accumulation in respect of Class B Additional Interest $0.000000 ----------------- C. Information Regarding the Current Quarterly Interest Distribution 1. The total amount of distribution from the Interest Funding Account $ 0.00 ----------------- 2. The amount of the current quarterly interest distribution in respect of Class A $ 0.00 ----------------- 3. The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- 4. The amount of the current quarterly interest distribution in respect of Class B $ 0.00 ----------------- 5. The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- D. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $126,511,526.99 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $11,162,781.60 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $11,162,781.60 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-H as of the end of the day on the last day of the related Monthly Period $1,200,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-H as of the end of the day on the last day of the related Monthly Period $1,200,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $1,020,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $1,020,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $90,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $90,000,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 2.99% February 10, 1999 through February 28, 1999 2.93% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $5,127,737.62 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $4,358,577.08 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $384,580.27 ----------------- (d) The Collateral Default Amount for the related Monthly Period $384,580.27 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $1,062,500.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $93,750.00 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $93,750.00 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $750,000.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $90,000,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $90,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The amount of all or the portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Interest Funding Account (a) The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $4,257,225.00 ----------------- (b) The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date $3,901,500.00 ----------------- (c) The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date $355,725.00 ----------------- (d) The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $14,512,475.21 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,280,512.57 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,280,512.57 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $15,149,975.21 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $1,336,762.57 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,336,762.57 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.34% ------- E. LIBOR Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 5.00000% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1996-H EX-20.19 20 CLASS A CUSIP 55262T BR3 Exhibit 20.19 CLASS B CUSIP 55262T BS1 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-J MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.814223 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.971723 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.266601 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $105,426,272.43 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $9,302,317.06 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $9,302,317.06 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-J as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-J as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $75,000,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 2.49% February 10, 1999 through February 28, 1999 2.44% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $ 4,273,114.79 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $3,632,147.61 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $320,483.59 ----------------- (d) The Collateral Default Amount for the related Monthly Period $320,483.59 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $885,416.67 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $625,000.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The amount of all or the portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $12,093,729.23 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,067,093.71 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,067,093.71 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $12,624,979.23 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $1,113,968.71 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,113,968.71 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% -------- (b) The Portfolio Adjusted Yield 5.38% -------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: Class A and Class B determination - 4.93563% ----------- February 12, 1999 to March 12, 1999: Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1996-J EX-20.20 21 CLASS A CUSIP 55262T BT9 Exhibit 20.20 CLASS B CUSIP 55262T BU6 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-K MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.799223 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.964223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.305490 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $105,426,272.43 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $9,302,317.06 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $9,302,317.06 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-K as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-K as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 2.49% February 10, 1999 through February 28, 1999 2.44% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $ 4,273,114.79 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $3,632,147.61 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $320,483.59 ----------------- (d) The Collateral Default Amount for the related Monthly Period $320,483.59 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $885,416.67 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $625,000.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The amount of all or the portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $12,093,729.23 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,067,093.71 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,067,093.71 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $12,624,979.23 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $1,113,968.71 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,113,968.71 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% -------- (b) The Portfolio Adjusted Yield 5.39% -------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: Class A and Class B determination - 4.93563% ----------- February 12, 1999 to March 12, 1999: Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1996-K EX-20.21 22 CLASS A CUSIP 55262TBX0 Exhibit 20.21 CLASS B CUSIP 55262TBY8 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-L MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Collateral Monthly Interest $4.218068 ----------------- 5. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of the current monthly accumulation in respect of Class A Monthly Interest $3.772500 ----------------- 2. The amount of the current monthly accumulation in respect of Class A Deficiency Amounts $0.000000 ----------------- 3. The amount of the current monthly accumulation in respect of Class A Additional Interest $0.000000 ---------------- 4. The amount of the current monthly accumulation in respect of Class B Monthly Interest $3.930000 ----------------- 5. The amount of the current monthly accumulation in respect of Class B Deficiency Amounts $ 0.000000 ----------------- 6. The amount of the current monthly accumulation in respect of Class B Additional Interest $0.000000 ----------------- C. Information Regarding the Current Quarterly Interest Distribution 1. The total amount of distribution from the Interest Funding Account $ 0.00 ----------------- 2. The amount of the current quarterly interest distribution in respect of Class A $ 0.00 ----------------- 3. The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- 4. The amount of the current quarterly interest distribution in respect of Class B $ 0.00 ----------------- 5. The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- D. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $52,713,136.81 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $4,651,157.59 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $4,651,157.59 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-L as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-L as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.29 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,816,073.79 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $160,241.75 ----------------- (d) The Collateral Default Amount for the related Monthly Period $160,241.75 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ---------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ---------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $442,708.33 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The amount of all or the portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Interest Funding Account (a) The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $1,750,687.50 ----------------- (b) The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date $1,603,312.50 ----------------- (c) The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date $147,375.00 ----------------- (d) The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,046,864.72 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $533,546.79 ---------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $533,546.79 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,312,489.72 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $556,984.29 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $556,984.29 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.41% ------- E. LIBOR Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 5.00000% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1996-L EX-20.22 23 CLASS A CUSIP 55262TBV4 Exhibit 20.22 CLASS B CUSIP 55262TBW2 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-M MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Collateral Monthly Interest $4.410490 ----------------- 5. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of the current monthly accumulation in respect of Class A Monthly Interest $3.847500 ----------------- 2. The amount of the current monthly accumulation in respect of Class A Deficiency Amounts $0.000000 ----------------- 3. The amount of the current monthly accumulation in respect of Class A Additional Interest $0.000000 ---------------- 4. The amount of the current monthly accumulation in respect of Class B Monthly Interest $4.012500 ----------------- 5. The amount of the current monthly accumulation in respect of Class B Deficiency Amounts $ 0.000000 ----------------- 6. The amount of the current monthly accumulation in respect of Class B Additional Interest $0.000000 ----------------- C. Information Regarding the Current Quarterly Interest Distribution 1. The total amount of distribution from the Interest Funding Account $ 0.00 ----------------- 2. The amount of the current quarterly interest distribution in respect of Class A $ 0.00 ----------------- 3. The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- 4. The amount of the current quarterly interest distribution in respect of Class B $ 0.00 ----------------- 5. The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- D. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $52,713,136.81 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $4,651,157.59 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $4,651,157.59 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-M as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-M as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 1999 1.22% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (j) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.29 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,816,073.79 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $160,241.75 ----------------- (d) The Collateral Default Amount for the related Monthly Period $160,241.75 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $442,708.33 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The amount of all or the portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Interest Funding Account (a) The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $1,785,656.25 ----------------- (b) The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date $1,635,187.50 ----------------- (c) The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date $150,468.75 ----------------- (d) The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,046,864.72 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $533,546.79 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $533,546.79 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,312,489.72 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $556,984.29 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $556,984.29 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.30% ------- E. LIBOR Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 5.00000% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1996-M EX-20.23 24 CLASS A CUSIP 55262TCB7 Exhibit 20.23 CLASS B CUSIP 55262TCC5 FORM OF MONTHLY CERTIFICATEHOLDERS'STATEMENT SERIES 1997-B MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Class C Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.821723 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.964223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Class C Monthly Interest $4.414223 ----------------- 11. The amount of distribution in respect of Class C Deficiency Amounts $0.000000 ----------------- 12. The amount of distribution in respect of Class C Additional Interest $ 0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $105,426,272.43 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $9,302,317.06 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class C Interest $9,302,317.06 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-B as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-B as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Class C Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (i) The amount of Principal Receivables in the Trust represented by the Class C Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (j) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 2.49% February 10, 1999 through February 28, 1999 2.44% (k) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (l) The Class B Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (m) The Class C Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (n) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (o) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (q) The Class C Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $ 4,273,114.79 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $3,632,147.61 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $320,483.59 ----------------- (d) The Class C Default Amount for the related Monthly Period $320,483.59 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Class C Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Class C Investor Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Class C Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Class C Investor Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $885,416.67 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (c) The amount of the Class C Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $625,000.00 ----------------- 7. Reallocations (a) The amount of Reallocated Class C Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Class C Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (d) The Class C Adjusted Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (e) The Class B Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (f) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class C Available Funds $ 0.00 ----------------- 9. Reserve Account (a) The Reserve Draw Amount on the related Transfer Date $ 0.00 ----------------- (b) The amount of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (c) The amount of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The amount of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class C Available Funds $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $12,093,729.23 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,067,093.71 ----------------- (c) The amount of Class C Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,067,093.71 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $12,624,979.23 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $1,113,968.71 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class C Interests $1,113,968.71 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% -------- (b) The Portfolio Adjusted Yield 5.33% -------- C. LIBOR Determinations LIBOR rates for the Interest Period of February 16, 1999 through March 14, 1999: 4.93563% --------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1997-B EX-20.24 25 CLASS A CUSIP 55262TCD3 Exhibit 20.24 CLASS B CUSIP 55262TCE1 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-C MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.784222 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.926722 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.305490 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-C as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-C as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 1999 1.83% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (k) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $240,362.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $240,362.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,070,296.94 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $9,468,734.44 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $835,476.69 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% ------- (b) The Portfolio Adjusted Yield 5.41% ------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 4.93563% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice Presiden 1997-C EX-20.25 26 CLASS A CUSIP 55262TCF8 Exhibit 20.25 CLASS B CUSIP 55262TCG6 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-E MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Collateral Monthly Interest $4.204379 ----------------- 5. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of the current monthly accumulation in respect of Class A Monthly Interest $3.832620 ----------------- 2. The amount of the current monthly accumulation in respect of Class A Deficiency Amounts $0.000000 ----------------- 3. The amount of the current monthly accumulation in respect of Class A Additional Interest $0.000000 ---------------- 4. The amount of the current monthly accumulation in respect of Class B Monthly Interest $3.982620 ----------------- 5. The amount of the current monthly accumulation in respect of Class B Deficiency Amounts $ 0.000000 ----------------- 6. The amount of the current monthly accumulation in respect of Class B Additional Interest $0.000000 ----------------- C. Information Regarding the Current Quarterly Interest Distribution 1. The total amount of distribution from the Interest Funding Account $ 0.00 ----------------- 2. The amount of the current quarterly interest distribution in respect of Class A $ 0.00 ----------------- 3. The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- 4. The amount of the current quarterly interest distribution in respect of Class B $ 0.00 ----------------- 5. The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- D. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-E as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-E as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 1999 1.83% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (k) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $240,362.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $240,362.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.000000 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.000000 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.000000 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Interest Funding Account (a) The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $5,828,582.96 ----------------- (b) The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date $2,443,295.25 ----------------- (c) The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date $224,022.38 ----------------- (d) The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $11,870.06 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,082,167.00 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $9,480,604.50 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $835,476.69 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.71% -------- (b) The Portfolio Adjusted Yield 5.49% -------- E. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 5.03016% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1997-E EX-20.26 27 CLASS A CUSIP 55262TCJ0 Exhibit 20.26 CLASS B CUSIP 55262TCK7 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-F MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $5.500000 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.919222 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.254714 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period, which were allocated in respect of the Class A Certificates $74,418,546.21 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,573,637.86 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,573,637.86 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ---------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-F as of the end of the day on the last day of the related Monthly Period $706,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-F as of the end of the day on the last day of the related Monthly Period $706,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $600,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $600,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $53,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $53,000,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $53,000,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.76% February 10, 1999 through February 28, 1999 1.73% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850 ---------- (k) The Class B Floating Allocation with respect to the related Monthly Period 0.075 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,016,819.16 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,563,868.90 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $226,475.13 ----------------- (d) The Collateral Default Amount for the related Monthly Period $226,475.13 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $625,000.01 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $55,208.33 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $55,208.33 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $441,250.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $53,000,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $53,000,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $53,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date $0.00 ----------------- (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Fund $ 0.00 ----------------- 10. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date $1,055,683.50 ----------------- (b) The amount of the Net Swap Payment for the related Transfer Date $ 0.00 ----------------- 11. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $ 9,592,433.36 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $754,079.84 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $754,079.84 ----------------- 12. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds, amounts, if any, withdrawn from the Reserve Account, amounts, if any, withdrawn from the Swap Reserve Fund and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $ 9,967,433.36 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $ 787,204.84 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $ 787,204.84 ----------------- 13. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% -------- (b) The Portfolio Adjusted Yield 5.47% -------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 4.93563% ----------- Collateral Interest determination - 4.93563% ----------- D. Information regarding the status of the Interest Rate Swap and the Swap Counterparty 1. Has the Interest Reserve Account been No established? ---- 2. Has the Interest Reserve Account been No funded? ---- 3. The aggregate amount of funds withdrawn from $ 0.00 the Interest Reserve Account, if any --------- 4. How any funds withdrawn from the Interest Reserve Account were utilized? N/A 5. Has the Interest Rate Swap been Terminated? No ---- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice Presiden 1997-F EX-20.27 28 CLASS A CUSIP 55262TCN1 Exhibit 20.27 CLASS B CUSIP 55262TCP6 MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-I MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $5.458333 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.934223 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.344379 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period, wich were allocated in respect of the Class A Certificates $79,069,703.65 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ---------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-I as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-I as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 1999 1.83% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (k) The Class B Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $240,362.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $240,362.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Collection of Finance Charge Receivables (a) Class A Available Funds plus Servicer Interchange Allocated to Class A $ 10,547,732.41 ---------------- (b) Class B Available Funds plus Servicer Interchange Allocated to Class B $ 835,476.69 ---------------- (c) Collateral Interest Available Funds plus Servicer Interchange Allocated to the Collateral Interest $ 835,476.69 ---------------- 9. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 - ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 - ----------------- 10. Reserve Account (a) The Reserve Draw Amount on the related Transfer Date $ 0.00 - ----------------- (b) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 - ----------------- (c) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 - ----------------- 11. Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date $0.00 - ----------------- (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Fund $ 0.00 - ----------------- 12. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date $1,078,997.97 - ----------------- (b) The amount of the Net Swap Payment for the related Transfer Date $ 0.00-------------- - --- 13. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $10,149,294.91 - ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $ 800,320.44 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $ 800,320.44 ----------------- 14. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period12.70% ------- (b) The Portfolio Adjusted Yield5.43% ------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class B determination -4.93563% ------- Collateral Interest determination -4.93563% ------- D. Information regarding the status of the Interest Rate Swap and the Swap Counterparty 1. Has the Interest Reserve Account been established?No ------ 2. Has the Interest Reserve Account been funded?No ------ 3. The aggregate amount of funds withdrawn from the Interest Reserve Account, if any $0.00 ---------------- 4. How any funds withdrawn from the Interest Reserve Account were utilized? N/A 5. Has the Interest Rate Swap been Terminated? No ------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice Presiden 1997-I EX-20.28 29 CLASS A CUSIP 55262TCQ4 Exhibit 20.28 CLASS B CUSIP 55262TCR2 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-J MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.791722 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.926722 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.324934 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-J as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-J as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 1999 1.83% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (k) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $240,362.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $240,362.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,070,296.94 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,468,734.44 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $835,476.69 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% -------- (b) The Portfolio Adjusted Yield 5.40% -------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 4.93563% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice Presiden 1997-J EX-20.29 30 CLASS A CUSIP 55262TCS0 Exhibit 20.29 CLASS B CUSIP 55262TCT8 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-K MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $3.791722 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $3.941722 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $4.383268 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-K as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-K as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 1999 1.83% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850000 ---------- (k) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $240,362.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $240,362.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,070,296.94 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,468,734.44 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $835,476.69 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% -------- (b) The Portfolio Adjusted Yield 5.39% -------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 4.93563% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1997-K EX-20.30 31 CLASS A CUSIP 55262TCV3 Exhibit 20.30 CLASS B CUSIP 55262TCW1 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-M MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Collateral Monthly Interest $4.227712 ----------------- 5. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of the current monthly accumulation in respect of Class A Monthly Interest $3.855120 ----------------- 2. The amount of the current monthly accumulation in respect of Class A Deficiency Amounts $0.000000 ----------------- 3. The amount of the current monthly accumulation in respect of Class A Additional Interest $0.000000 ---------------- 4. The amount of the current monthly accumulation in respect of Class B Monthly Interest $3.975120 ----------------- 5. The amount of the current monthly accumulation in respect of Class B Deficiency Amounts $ 0.000000 ----------------- 6. The amount of the current monthly accumulation in respect of Class B Additional Interest $0.000000 ----------------- C. Information Regarding the Current Quarterly Interest Distribution 1. The total amount of distribution from the Interest Funding Account $ 0.00 ----------------- 2. The amount of the current quarterly interest distribution in respect of Class A $ 0.00 ----------------- 3. The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- 4. The amount of the current quarterly interest distribution in respect of Class B $ 0.00 ----------------- 5. The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- D. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-M as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-M as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 19991.87% February 10, 1999 through February 28, 19991.83% (j) The Class A Floating Allocation with respect to the related Monthly Period0.850000 ---------- (k) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $240,362.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $240,362.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.000000 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.000000 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.000000 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the FinanceCharge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the FinanceCharge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the FinanceCharge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Interest Funding Account (a) The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $5,859,004.83 ----------------- (b) The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date $2,457,639.00 ----------------- (c) The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date $223,600.50 ----------------- (d) The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $11,905.25 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,082,202.19 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $9,480,639.69 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $835,476.69 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.71% ------- (b) The Portfolio Adjusted Yield 5.47% ------- E. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 5.03016% ----------- Collateral Interest determination - 4.93563% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:___________________________ Name: Bruce Crescenzo Title: Vice President 1997-M EX-20.31 32 CLASS A CUSIP 55262TCY7 Exhibit 20.31 CLASS B CUSIP 55262TCZ4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-N MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Collateral Monthly Interest $4.204379 ----------------- 5. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of the current monthly accumulation in respect of Class A Monthly Interest $3.802500 ----------------- 2. The amount of the current monthly accumulation in respect of Class A Deficiency Amounts $0.000000 ----------------- 3. The amount of the current monthly accumulation in respect of Class A Additional Interest $0.000000 ---------------- 4. The amount of the current monthly accumulation in respect of Class B Monthly Interest $3.922500 ----------------- 5. The amount of the current monthly accumulation in respect of Class B Deficiency Amounts $ 0.000000 ----------------- 6. The amount of the current monthly accumulation in respect of Class B Additional Interest $0.000000 ----------------- C. Information Regarding the Current Quarterly Interest Distribution 1. The total amount of distribution from the Interest Funding Account $ 0.00 ----------------- 2. The amount of the current quarterly interest distribution in respect of Class A $ 0.00 ----------------- 3. The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- 4. The amount of the current quarterly interest distribution in respect of Class B $ 0.00 ----------------- 5. The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- D. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $94,883,644.81 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,372,085.48 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,372,085.48 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-N as of the end of the day on the last day of the related Monthly Period $900,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-N as of the end of the day on the last day of the related Monthly Period $900,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $765,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $765,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $67,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $67,500,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $67,500,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 19992.25% February 10, 1999 through February 28, 19992.20% (j) The Class A Floating Allocation with respect to the related Monthly Period0.850000 ---------- (k) The Class B Floating Allocation with respect to the related Monthly period 0.075000 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075000 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 35 - 64 days: 2.05% 855,716,196.65 ------- ----------------- (b) 65 - 94 days: 1.00% 415,713,883.73 ------- ----------------- (c) 95 - 124 days: 0.74% 307,324,654.79 ------- ----------------- (d) 125 - 154 days: 0.62% 258,490,138.79 ------- ----------------- (e) 155 or more days: 0.97% 403,482,896.16 ------- ----------------- Total 5.38% 2,240,727,770.12 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,845,803.23 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $3,268,932.81 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $288,435.21 ----------------- (d) The Collateral Default Amount for the related Monthly Period $288,435.21 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.000000 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.000000 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.000000 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.000000 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $796,875.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $70,312.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $70,312.50 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $562,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $67,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $67,500,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $67,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 - ------------------ (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the FinanceCharge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the FinanceCharge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the FinanceCharge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Interest Funding Account (a) The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $3,173,681.25 ----------------- (b) The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date $2,908,912.50 ----------------- (c) The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date $264,768.75 ----------------- (d) The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $10,884,356.32 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $960,384.29 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $960,384.29 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $11,362,481.32 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $1,002,571.79 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,002,571.79 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.70% -------- (b) The Portfolio Adjusted Yield 5.37% -------- E. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 5.00000% ---------- Collateral Interest determination - 4.93563% ---------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:___________________________ Name: Bruce Crescenzo Title: Vice President 1997-N EX-20.32 33 CLASS A CUSI262TDC4Exhibit 20.32 CLASS B CUSIP 55262TDD2 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-A MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$3.784222 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$3.896722 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Monthly Interest$4.266601 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-A as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-A as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 19991.83% (j)The Class A Floating Allocation with respect to the related Monthly Period0.850000 - ---------- (k)The Class B Floating Allocation with respect to the related Monthly Period0.075000 - ---------- (l)The Collateral Floating Allocation with respect to the related Monthly Period0.075000 - ---------- (m)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (n)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (o)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 35 - 64 days:2.05%855,716,196.65 - ------------------------ (b) 65 - 94 days:1.00%415,713,883.73 - ------------------------ (c) 95 - 124 days:0.74%307,324,654.79 - ------------------------ (d)125 - 154 days:0.62%258,490,138.79 - ------------------------ (e)155 or more days:0.97%403,482,896.16 - ------------------------ Total5.38%2,240,727,770.12 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $240,362.73 ------------------ (d)The Collateral Default Amount for the related Monthly Period $240,362.73 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (e)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,070,296.94 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,468,734.44 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $835,476.69 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.70% - -------- (b)The Portfolio Adjusted Yield 5.42% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -4.93563% - ----------- Collateral Interest determination - 4.93563% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1998-A EX-20.33 34 CLASS A CUSI262TDF7Exhibit 20.33 CLASS B CUSIP 55262TDG5 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-C MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$3.761722 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$3.889223 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$5.291667 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-C as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-C as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$56,250,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 19991.87% February 10, 1999 through February 28, 19991.83% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850000 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075000 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075000 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 35 - 64 days:2.05%855,716,196.65 - ------------------------ (b) 65 - 94 days:1.00%415,713,883.73 - ------------------------ (c) 95 - 124 days:0.74%307,324,654.79 - ------------------------ (d)125 - 154 days:0.62%258,490,138.79 - ------------------------ (e)155 or more days:0.97%403,482,896.16 - ------------------------ Total5.38%2,240,727,770.12 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $240,362.73 ------------------ (d)The Collateral Default Amount for the related Monthly Period $240,362.73 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$56,250,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,070,296.94 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,468,734.44 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $835,476.69 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.70% - -------- (b)The Portfolio Adjusted Yield 5.39% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -4.93563% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1998-C EX-20.34 35 CLASS A CUS262TDH3Exhibit 20.34 CLASS B CUSIP55262TDJ9 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-D MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$4.833333 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$3.889223 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$5.250000 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $58,914,680.72 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,209,298.34 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,209,298.34 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-D as of the end of the day on the last day of the related Monthly Period $559,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-D as of the end of the day on the last day of the related Monthly Period $559,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $475,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$475,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $42,000,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $42,000,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $42,000,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$42,000,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.39% February 10, 1999 through February 28, 19991.37% (k)The Class A Floating Allocation with respect to the related Monthly Period0.849732 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075134 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075134 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 35 - 64 days:2.05%855,716,196.65 - ------------------------ (b) 65 - 94 days:1.00%415,713,883.73 - ------------------------ (c) 95 - 124 days:0.74%307,324,654.79 - ------------------------ (d)125 - 154 days:0.62%258,490,138.79 - ------------------------ (e)155 or more days:0.97%403,482,896.16 - ------------------------ Total5.38%2,240,727,770.12 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $2,388,671.18 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,029,729.52 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $179,470.83 ------------------ (d)The Collateral Default Amount for the related Monthly Period $179,470.83 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$494,791.67 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $43,750.00 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$43,750.00 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $349,375.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $42,000,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$42,000,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $42,000,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $42,000,000.00 ------------------ 8.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account, amounts, if any, withdrawn from the Swap Reserve Fund and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $7,597,353.21 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $623,822.39 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $623,822.39 ------------------ 9. Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ 10.Reserve Account (a)The Reserve Draw Amount on the related Transfer Date $ 0.00 ------------------ (b)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (c)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (d)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 11.Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date$ 0.00 ------------------ (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds$ 0.00 ------------------ 12. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date$542,217.64 ------------------ (b) The amount of the Net Swap Payment for the related Transfer Date$ 0.00 ------------------ 13.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $7,300,478.21 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $597,572.39 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $597,572.39 ------------------ 14.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.70% - -------- (b)The Portfolio Adjusted Yield 5.47% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -4.93563% - ----------- D. Information Regarding the Status of the Interest Rate Swap and the Swap Counterparty 1.Has the Interest Reserve Account been established?Yes 2.Has the Interest Reserve Account been funded?Yes 3.The aggregate amount of funds withdrawn from the Interest Reserve Account, if any$0.00 ------------------ 4.How any funds withdrawn from the Interest Reserve Account were utilized N/A 5.Has the Interest Rate Swap been terminated?No MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1998-D EX-20.35 36 CLASS A CUSI262TDK6Exhibit 20.35 CLASS B CUSIP 55262TDL4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-E MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Collateral Minimum Monthly Interest$5.500000 ------------------ 5.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of the current monthly accumulation in respect of Class A Monthly Interest$ 3.881370 ------------------ 2.The amount of the current monthly accumulation in respect of Class A Deficiency Amounts$ 0.000000 ------------------ 3.The amount of the current monthly accumulation in respect of Class A Additional Interest$ 0.000000 ------------------ 4.The amount of the current monthly accumulation in respect of Class B Monthly Interest$ 4.020120 ------------------ 5.The amount of the current monthly accumulation in respect of Class B Deficiency Amounts$ 0.000000 ------------------ 6.The amount of the current monthly accumulation in respect of Class B Additional Interest$ 0.000000 ------------------ C. Information Regarding the Current Quarterly Interest Distribution 1.The total amount of distribution from the Interest Funding Account$ 0.00 ------------------ 2.The amount of the current quarterly interest distribution in respect of Class A$ 0.00 ------------------ 3.The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount$ 0.000000 ------------------ 4.The amount of the current quarterly interest distribution in respect of Class B$ 0.00 ------------------ 5.The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount$ 0.000000 ------------------ D.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $93,023,180.29 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,210,845.79 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,210,845.79 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-E as of the end of the day on the last day of the related Monthly Period $882,400,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-E as of the end of the day on the last day of the related Monthly Period $882,400,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$750,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $66,200,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $66,200,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $66,200,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$66,200,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 2.20% February 10, 1999 through February 28, 19992.16% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850---------- (l)The Class B Floating Allocation with respect to the related Monthly Period 0.075---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period 0.075---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 35 - 64 days:2.05%855,716,196.65 - ------------------------ (b) 65 - 94 days:1.00%415,713,883.73 - ------------------------ (c) 95 - 124 days:0.74%307,324,654.79 - ------------------------ (d)125 - 154 days:0.62%258,490,138.79 - ------------------------ (e)155 or more days:0.97%403,482,896.16 - ------------------------ Total5.38%2,240,727,770.12 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,770,596.46 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $3,204,836.04 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $282,880.21 ------------------ (d)The Collateral Default Amount for the related Monthly Period $282,880.21 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$781,250.01 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $68,958.33 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$68,958.33 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $551,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $66,200,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$66,200,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $66,200,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $66,200,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Interest Funding Account (a)The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals)$6,942,681.75 ------------------ (b)The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date$2,911,027.50 ------------------ (c)The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date$266,131.94 ------------------ (d)The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date$14,108.67 ------------------ 10.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $10,685,045.46 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $941,888.30 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $941,888.30 ------------------ 11.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $11,153,795.46 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $983,263.30 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $983,263.30 ------------------ 12.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.71% - -------- (b)The Portfolio Adjusted Yield 5.35% - -------- E.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -5.03016% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1998-E EX-20.36 37 CLASS A CUSI262TDM2Exhibit 20.36 CLASS B CUSIP 55262TDN0 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-F MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Collateral Minimum Monthly Interest$5.375000 ------------------ 5.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of the current monthly accumulation in respect of Class A Monthly Interest$ 3.990472 ------------------ 2.The amount of the current monthly accumulation in respect of Class A Deficiency Amounts$ 0.000000 ------------------ 3.The amount of the current monthly accumulation in respect of Class A Additional Interest$ 0.000000 ------------------ 4.The amount of the current monthly accumulation in respect of Class B Monthly Interest$ 4.125473 ------------------ 5.The amount of the current monthly accumulation in respect of Class B Deficiency Amounts$ 0.000000 ------------------ 6.The amount of the current monthly accumulation in respect of Class B Additional Interest$ 0.000000 ------------------ C. Information Regarding the Current Quarterly Interest Distribution 1.The total amount of distribution from the Interest Funding Account$6,168,853.43 ------------------ 2.The amount of the current quarterly interest distribution in respect of Class A$5,653,169.37 ------------------ 3.The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount$ 13.301575 ------------------ 4.The amount of the current quarterly interest distribution in respect of Class B$515,684.06 ------------------ 5.The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount$ 13.751575 ------------------ D.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $52,713,136.81 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $4,651,157.59 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $4,651,157.59 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-F as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-F as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$425,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $37,500,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$37,500,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.25% February 10, 1999 through February 28, 19991.22% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850000 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075000 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075000 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 35 - 64 days:2.05%855,716,196.65 - ------------------------ (b) 65 - 94 days:1.00%415,713,883.73 - ------------------------ (c) 95 - 124 days:0.74%307,324,654.79 - ------------------------ (d)125 - 154 days:0.62%258,490,138.79 - ------------------------ (e)155 or more days:0.97%403,482,896.16 - ------------------------ Total5.38%2,240,727,770.12 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $2,136,557.29 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $1,816,073.79 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $160,241.75 ------------------ (d)The Collateral Default Amount for the related Monthly Period $160,241.75 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$442,708.33 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$39,062.50 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $37,500,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$37,500,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Interest Funding Account (a)The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals)$6,168,853.43 ------------------ (b)The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date$1,695,950.81 ------------------ (c)The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date$154,705.22 ------------------ (d)The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date$16,180.94 ------------------ 10.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,063,045.66 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $533,546.79 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $533,546.79 ------------------ 11.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $6,328,670.66 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $556,984.29 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $556,984.29 ------------------ 12.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.73% - -------- (b)The Portfolio Adjusted Yield 5.33% - -------- E.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -5.22063% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1998-F EX-20.37 38 CLASS A CUSI262TDP5Exhibit 20.37 CLASS B CUSIP 55262TDQ3 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-G MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$3.799222 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$4.001722 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Monthly Interest$4.515490 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-G as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-G as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 19991.83% (j)The Class A Floating Allocation with respect to the related Monthly Period0.850000 - ---------- (k)The Class B Floating Allocation with respect to the related Monthly Period0.075000 - ---------- (l)The Collateral Floating Allocation with respect to the related Monthly Period0.075000 - ---------- (m)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (n)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (o)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 35 - 64 days:2.05%855,716,196.65 - ------------------------ (b) 65 - 94 days:1.00%415,713,883.73 - ------------------------ (c) 95 - 124 days:0.74%307,324,654.79 - ------------------------ (d)125 - 154 days:0.62%258,490,138.79 - ------------------------ (e)155 or more days:0.97%403,482,896.16 - ------------------------ Total5.38%2,240,727,770.12 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $240,362.73 ------------------ (d)The Collateral Default Amount for the related Monthly Period $240,362.73 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (e)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,070,296.94 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,468,734.44 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $835,476.69 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.70% - -------- (b)The Portfolio Adjusted Yield 5.37% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -4.93563% - ----------- Collateral Interest determination - 4.93563% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1998-G EX-20.38 39 CLASS A CUSI262TDR1Exhibit 20.38 CLASS B CUSIP 55262TDS9 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-I MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$3.896722 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$4.084223 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Monthly Interest$4.499934 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $79,069,703.65 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,976,739.93 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,976,739.93 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-I as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-I as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 19991.83% (j)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (k)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (l)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (n)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (o)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 35 - 64 days:2.05%855,716,196.65 - ------------------------ (b) 65 - 94 days:1.00%415,713,883.73 - ------------------------ (c) 95 - 124 days:0.74%307,324,654.79 - ------------------------ (d)125 - 154 days:0.62%258,490,138.79 - ------------------------ (e)155 or more days:0.97%403,482,896.16 - ------------------------ Total5.38%2,240,727,770.12 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.11 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,724,110.65 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $240,362.73 ------------------ (d)The Collateral Default Amount for the related Monthly Period $240,362.73 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (e)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (f)The Class A Investor Interest as of the close of business on this Distribution Date $637,500,000.00 ------------------ (g)The Class A Adjusted Investor Interest as of the close of business on this Distribution Date $637,500,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,070,296.94 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $800,320.44 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,468,734.44 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $835,476.69 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $835,476.69 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.70% - -------- (b)The Portfolio Adjusted Yield 5.25% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -4.93563% - ----------- Collateral Interest determination - 4.93563% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer Bruce Crescenzo By:________________________ Name: Bruce Crescenzo Title: Vice President 1998-I EX-20.39 40 CLASS A CUSI262TDT7Exhibit 20.39 CLASS B CUSIP 55262TDU4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-J MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING FEBRUARY 28, 1999 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of March 15, 1999, and with respect to the performance of the trust during the month of February, 1999 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$4.375000 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$4.708333 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Monthly Interest$4.811046 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $81,860,401.84 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,581,389.30 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,581,389.30 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $40,800,539,305.60 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-J as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-J as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $660,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$660,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $45,000,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $45,000,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $45,000,000.00 ------------------ (i)The Floating Investor Percentage with respect to the period: February 1, 1999 through February 9, 1999 1.87% February 10, 1999 through February 28, 19991.83% (j)The Class A Floating Allocation with respect to the related Monthly Period0.880 - ---------- (k)The Class B Floating Allocation with respect to the related Monthly Period0.060 - ---------- (l)The Collateral Floating Allocation with respect to the related Monthly Period0.060 - ---------- (m)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (n)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (o)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 35 - 64 days:2.05%855,716,196.65 - ------------------------ (b) 65 - 94 days:1.00%415,713,883.73 - ------------------------ (c) 95 - 124 days:0.74%307,324,654.79 - ------------------------ (d)125 - 154 days:0.62%258,490,138.79 - ------------------------ (e)155 or more days:0.97%403,482,896.16 - ------------------------ Total5.38%2,240,727,770.12 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,204,836.14 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,820,255.86 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $192,290.14 ------------------ (d)The Collateral Default Amount for the related Monthly Period $192,290.14 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$687,500.00 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $46,875.00 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$46,875.00 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest as of the close of business on this Distribution Date $45,000,000.00 ------------------ (d)The Class B Investor Interest as of the close of business on this Distribution Date $45,000,000.00 ------------------ (e)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $45,000,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,390,425.24 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $640,255.98 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $640,255.98 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,802,925.24 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $668,380.98 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $668,380.98 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.70% - -------- (b)The Portfolio Adjusted Yield 5.39% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Collateral Interest determination - 4.93563% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servicer David Martini By:________________________ Name: David Martini Title: Vice President 1998-J EX-99.1 41 Exhibit 99.1 MBNA MASTER CREDIT CARD TRUST II SERIES 1994-A KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 9/15/99 Blended Coupon 5.1486% Excess Protection Level 3 Month Average 5.83% February, 1999 6.07% January, 1999 5.64% December, 1998 5.78% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.63% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $ 40,800,539,305.60 Investor Participation Amount $ 760,000,000.00 Seller Participation Amount $ 3,998,619,787.11 EX-99.2 42 Exhibit 99.2 MBNA MASTER CREDIT CARD TRUST II SERIES 1994-B KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 9/15/99 Blended Coupon 5.06572% Excess Protection Level 3 Month Average 5.84% February, 1999 6.08% January, 1999 5.68% December, 1998 5.77% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.62% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $ 40,800,539,305.60 Investor Participation Amount $ 1,000,000,000.00 Seller Participation Amount $ 3,998,619,787.11 EX-99.3 43 Exhibit 99.3 MBNA MASTER CREDIT CARD TRUST II SERIES 1994-C KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 11/15/01 Blended Coupon 5.2325% Excess Protection Level 3 Month Average 5.74% February, 1999 5.99% January, 1999 5.55% December, 1998 5.69% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.71% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $ 40,800,539,305.60 Investor Participation Amount $ 1,000,000,000.00 Seller Participation Amount $ 3,998,619,787.11 EX-99.4 44 Exhibit 99.4 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 9/15/04 Blended Coupon 5.2538% Excess Protection Level 3 Month Average 5.75% February, 1999 5.97% January, 1999 5.59% December, 1998 5.69% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.73% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $575,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.5 45 Exhibit 99.5 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 06/15/00 Blended Coupon 5.1319% Excess Protection Level 3 Month Average 5.87% February, 1999 6.08% January, 1999 5.71% December, 1998 5.82% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.62% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.6 46 Exhibit 99.6 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-C KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 7/15/05 Blended Coupon 6.3332% Excess Protection Level 3 Month Average 5.81% February, 1999 6.03% January, 1999 5.66% December, 1998 5.76% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.67% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $575,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.7 47 Exhibit 99.7 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 7/17/00 Blended Coupon 5.9642% Excess Protection Level 3 Month Average 5.95% February, 1999 6.15% January, 1999 5.80% December, 1998 5.90% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.55% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.8 48 Exhibit 99.8 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-E KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 09/16/2002 Blended Coupon 5.1941% Excess Protection Level 3 Month Average 5.81% February, 1999 6.03% January, 1999 5.65% December, 1998 5.75% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.67% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.9 49 Exhibit 99.9 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 09/15/00 Blended Coupon 6.5420% Excess Protection Level 3 Month Average 4.68% February, 1999 4.19% January, 1999 4.70% December, 1998 5.16% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 8.51% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.10 50 Exhibit 99.10 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-I KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 11/15/00 Blended Coupon 5.1318% Excess Protection Level 3 Month Average 5.87% February, 1999 6.08% January, 1999 5.72% December, 1998 5.82% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.62% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.11 51 Exhibit 99.11 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 12/16/02 Blended Coupon 5.2025% Excess Protection Level 3 Month Average 5.80% February, 1999 6.02% January, 1999 5.64% December, 1998 5.74% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.68% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.12 52 Exhibit 99.12 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 3/17/03 Blended Coupon 5.1736% Excess Protection Level 3 Month Average 5.82% February, 1999 6.04% January, 1999 5.67% December, 1998 5.77% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.66% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $700,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.13 53 Exhibit 99.13 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 4/17/06 Blended Coupon 5.2409% Excess Protection Level 3 Month Average 5.76% February, 1999 5.98% January, 1999 5.60% December, 1998 5.70% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.72% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.14 54 Exhibit 99.14 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-C KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 4/16/01 Blended Coupon 5.1147% Excess Protection Level 3 Month Average 5.89% February, 1999 6.10% January, 1999 5.74% December, 1998 5.84% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.60% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.15 55 Exhibit 99.15 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-D KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 05/15/01 Blended Coupon 5.1186% Excess Protection Level 3 Month Average 5.88% February, 1999 6.09% January, 1999 5.73% December, 1998 5.83% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.61% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $1,000,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.16 56 Exhibit 99.16 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-E KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 06/16/03 Blended Coupon 5.1465% Excess Protection Level 3 Month Average 5.85% February, 1999 6.07% January, 1999 5.70% December, 1998 5.80% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.63% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.17 57 Exhibit 99.17 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-G KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 8/15/06 Blended Coupon 5.1699% Excess Protection Level 3 Month Average 5.84% February, 1999 6.03% January, 1999 5.72% December, 1998 5.78% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.67% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.18 58 Exhibit 99.18 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-H KEY PERFORMANCE FACTORS FEBRUARY, 1999 Expected B Maturity 09/17/01 Blended Coupon 5.1379% Excess Protection Level 3 Month Average 5.84% February, 1999 6.06% January, 1999 5.46% December, 1998 6.02% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.64% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $ 40,800,539,305.60 Investor Participation Amount $ 1,200,000,000.00 Seller Participation Amount $ 3,998,619,787.11 EX-99.19 59 Exhibit 99.19 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 10/15/03 Blended Coupon 5.1314% Excess Protection Level 3 Month Average 5.88% February, 1999 6.07% January, 1999 5.76% December, 1998 5.82% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.63% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $1,000,000,000.00 Seller Participation Amount $3,998,619,787.1 EX-99.20 60 Exhibit 99.20 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-K KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 11/17/03 Blended Coupon 5.1174% Excess Protection Level 3 Month Average 5.89% February, 1999 6.08% January, 1999 5.77% December, 1998 5.83% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.62% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $1,000,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.21 61 Exhibit 99.21 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-L KEY PERFORMANCE FACTORS FEBRUARY, 1999 Expected B Maturity 12/15/99 Blended Coupon 5.0752% Excess Protection Level 3 Month Average 5.91% February, 1999 6.12% January, 1999 5.53% December, 1998 6.08% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.58% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $ 40,800,539,305.60 Investor Participation Amount $ 500,000,000.00 Seller Participation Amount $ 3,998,619,787.11 EX-99.22 62 Exhibit 99.22 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-M KEY PERFORMANCE FACTORS FEBRUARY, 1999 Expected B Maturity 12/15/06 Blended Coupon 5.1870% Excess Protection Level 3 Month Average 5.80% February, 1999 6.02% January, 1999 5.41% December, 1998 5.97% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.68% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $ 40,800,539,305.60 Investor Participation Amount $ 500,000,000.00 Seller Participation Amount $ 3,998,619,787.11 EX-99.23 63 Exhibit 99.23 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-B KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 3/15/12 Blended Coupon 5.1691% Excess Protection Level 3 Month Average 5.83% February, 1999 6.05% January, 1999 5.68% December, 1998 5.78% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.65% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $1,000,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.24 64 Exhibit 99.24 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-C KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 3/15/04 Blended Coupon 5.0966% Excess Protection Level 3 Month Average 5.91% February, 1999 6.10% January, 1999 5.80% December, 1998 5.85% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.60% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.25 65 Exhibit 99.25 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-E KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 4/15/02 Blended Coupon 5.1473% Excess Protection Level 3 Month Average 5.99% February, 1999 6.06% January, 1999 5.81% December, 1998 6.12% Cash Yield 17.84% Investor Charge Offs 5.13% Base Rate 6.65% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.26 66 Exhibit 99.26 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-F KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 6/17/02 Blended Coupon 6.4120% Excess Protection Level 3 Month Average 5.97% February, 1999 6.15% January, 1999 5.86% December, 1998 5.91% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.55% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $706,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.27 67 Exhibit 99.27 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-I KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 8/16/04 Blended Coupon 6.3798% Excess Protection Level 3 Month Average 5.93% February, 1999 6.11% January, 1999 5.81% December, 1998 5.87% Cash Yield17.82% Investor Charge Offs 5.13% Base Rate 6.59% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$750,000,000.00 Seller Participation Amount$3,998,619,787.11 EX-99.28 68 Exhibit 99.28 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-J KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 9/15/04 Blended Coupon 5.1070% Excess Protection Level 3 Month Average 5.90% February, 1999 6.09% January, 1999 5.79% December, 1998 5.84% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.61% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.29 69 Exhibit 99.29 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-K KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 11/15/05 Blended Coupon 5.1141% Excess Protection Level 3 Month Average 5.89% February, 1999 6.08% January, 1999 5.78% December, 1998 5.83% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.62% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.30 70 Exhibit 99.30 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-M KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 10/15/02 Blended Coupon 5.1743% Excess Protection Level 3 Month Average 5.97% February, 1999 6.04% January, 1999 5.78% December, 1998 6.09% Cash Yield 17.84% Investor Charge Offs 5.13% Base Rate 6.67% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.31 71 Exhibit 99.31 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-N KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 11/15/00 Blended Coupon 5.1072% Excess Protection Level 3 Month Average 5.87% February, 1999 6.09% January, 1999 5.49% December, 1998 6.05% Cash Yield 17.82% Investor Charge Offs 5.13% Base Rate 6.61% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate 13.67% Total Principal Balance $40,800,539,305.60 Investor Participation Amount $900,000,000.00 Seller Participation Amount $3,998,619,787.11 EX-99.32 72 Exhibit 99.32 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-A KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 3/17/03 Blended Coupon 5.0899% Excess Protection Level 3 Month Average 5.92% February, 1999 6.11% January, 1999 5.80% December, 1998 5.86% Cash Yield17.82% Investor Charge Offs 5.13% Base Rate 6.59% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$750,000,000.00 Seller Participation Amount$3,998,619,787.11 EX-99.33 73 Exhibit 99.33 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-C KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 6/16/2003 Blended Coupon 5.1285% Excess Protection Level 3 Month Average 5.89% February, 1999 6.04% January, 1999 5.76% December, 1998 5.88% Cash Yield17.82% Investor Charge Offs 5.13% Base Rate 6.66% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$750,000,000.00 Seller Participation Amount$3,998,619,787.11 EX-99.34 74 Exhibit 99.34 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-D KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 7/15/2003 Blended Coupon 5.7914% Excess Protection Level 3 Month Average 5.97% February, 1999 6.11% January, 1999 5.85% December, 1998 5.97% Cash Yield17.82% Investor Charge Offs 5.13% Base Rate 6.59% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$559,000,000.00 Seller Participation Amount$3,998,619,787.11 EX-99.35 75 Exhibit 99.35 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-E KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 4/15/2008 Blended Coupon 5.2959% Excess Protection Level 3 Month Average 5.85% February, 1999 5.89% January, 1999 5.64% December, 1998 6.03% Cash Yield17.84% Investor Charge Offs 5.13% Base Rate 6.82% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$882,400,000.00 Seller Participation Amount$3,998,619,787.11 EX-99.36 76 Exhibit 99.36 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-F KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 9/15/2005 Blended Coupon 5.4188% Excess Protection Level 3 Month Average 5.83% February, 1999 5.80% January, 1999 5.53% December, 1998 6.16% Cash Yield17.86% Investor Charge Offs 5.13% Base Rate 6.93% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$500,000,000.00 Seller Participation Amount$3,998,619,787.11 EX-99.37 77 Exhibit 99.37 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-G KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 9/15/2006 Blended Coupon 5.1414% Excess Protection Level 3 Month Average 5.87% February, 1999 6.06% January, 1999 5.75% December, 1998 5.81% Cash Yield17.82% Investor Charge Offs 5.13% Base Rate 6.64% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$750,000,000.00 Seller Participation Amount$3,998,619,787.11 EX-99.38 78 Exhibit 99.38 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-I KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 10/16/2001 Blended Coupon 5.2586% Excess Protection Level 3 Month Average 5.75% February, 1999 5.95% January, 1999 5.63% December, 1998 5.69% Cash Yield17.82% Investor Charge Offs 5.13% Base Rate 6.75% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$750,000,000.00 Seller Participation Amount$3,998,619,787.11 EX-99.39 79 Exhibit 99.39 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-J KEY PERFORMANCE FACTORS February 28, 1999 Expected B Maturity 9/15/2003 Blended Coupon 5.3301% Excess Protection Level 3 Month Average 5.89% February, 1999 5.39% January, 1999 5.94% December, 1998 6.36% Cash Yield17.82% Investor Charge Offs 5.13% Base Rate 7.31% Over 35 Day Delinquency 5.38% Seller's Interest 9.80% Total Payment Rate13.67% Total Principal Balance$40,800,539,305.60 Investor Participation Amount$750,000,000.00 Seller Participation Amount$3,998,619,787.11 -----END PRIVACY-ENHANCED MESSAGE-----