SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED: COMMISSION FILE NUMBER: December 31, 1999 333-89755 MBNA AMERICA BANK, NATIONAL ASSOCIATION, ON BEHALF OF MBNA MASTER CREDIT CARD TRUSTS (Issuer in respect of the MBNA Master Credit Card Trust II Fixed and Floating Rate Asset Backed Certificates) (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) United States of America 51-0331-454 (STATE OR OTHER JURISDICTION (I.R.S. EMPLOYER OF INCORPORATION OR ORGANIZATION) IDENTIFICATION NO.) Wilmington, DE. 19884-0781 (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE) REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE: (800) 362-6255 SECURITIES REGISTERED PURSUANT TO SECTION 12(B) OF THE ACT: None SECURITIES REGISTERED PURSUANT TO SECTION 12(G) OF THE ACT: MBNA Master Credit Card Trust II, Series 1994-C, Series 1995-A, Series 1995-B, Series 1995-C, Series 1995-D, Series 1995- E, Series 1995-F, Series 1995-I, Series 1995-J, Series 1996-A, Series 1996-E, Series 1996-G, Series 1996-H, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997- B, Series 1997-C, Series 1997-E, Series 1997-F, Series 1997-I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1997-N, Series 1998-A, Series 1998-D, Series 1999-B, Series 1999-D, Series 1999-E, Series 1999- G, Series 1999-H, Series 1999-I, Series 1999-J, and Series 1999-M. Fixed and Floating Rate Asset Backed Certificates INDICATE BY CHECK MARK WHETHER THE REGISTRANT HAS (1) FILED ALL REPORTS REQUIRED TO BE FILED BY SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DURING THE PRECEDING 12 MONTHS (OR FOR SUCH SHORTER PERIOD THAT THE REGISTRANT WAS REQUIRED TO FILE SUCH REPORTS) AND (2) HAS BEEN SUBJECT TO SUCH FILING REQUIREMENTS FOR THE PAST 90 DAYS. Yes [X] No [ ] STATE THE AGGREGATE MARKET VALUE OF THE VOTING STOCK HELD BY NON- AFFILIATES OF THE REGISTRANT. The Registrant has no voting stock or class of common stock outstanding as of the date of this report. INTRODUCTORY NOTE ----------------- MBNA America Bank, National Association (the "Originator") is the originator, seller, and servicer under the Pooling and Servicing Agreement (the "Agreement"), dated as of August 4, 1994, and the Series 1994-C , Series 1995-A, Series 1995-B, Series 1995-C, Series 1995-D, Series 1995-E, Series 1995-F, Series 1995-I, Series 1995-J, Series 1996- A, Series 1996-B, Series 1996-C, Series 1996-D, Series 1996-E, Series 1996-G, Series 1996-H, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-E, Series 1997-F, Series 1997- I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1997-N, Series 1998-A, Series 1998-C, Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-I, Series 1998-J, Series 1999-A, Series 1999- B, Series 1999-D, Series 1999-E, Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J, Series 1999-L, and Series 1999-M. Supplements dated as of October 26, 1994, March 22, 1995, May 23, 1995, June 29, 1995, June 29, 1995, August 2, 1995, August 30, 1995, October 26, 1995, November 21, 1995, February 28, 1996, March 26, 1996, March 27, 1996, May 1, 1996, Mar 21, 1996, July 17, 1996, August 14, 1996, September 19, 1996, October 24, 1996, November 26, 1996, February 27, 1997, March 26, 1997, May 8, 1997, June 18, 1997, August 26, 1997, September 10, 1997, October 22, 1997, November 6, 1997, December 9, 1997, March 18, 1998, June 24, 1998, July 30, 1998, August 11, 1998, August 26, 1998, September 10, 1998, October 22, 1998, October 29, 1998, March 25, 1999, March 26, 1999, June 3, 1999, July 7, 1999, July 29, 1999, August 18, 1999, September 8, 1999, September 23, 1999, November 5, 1999, and December 1, 1999 respectively, by and between the Originator and the trustee, providing for the issuance of the MBNA Master Credit Card Trust II, Series 1994-C, Series 1995-A, Series 1995-B, Series 1995-C, Series 1995-D, Series 1995-E, Series 1995-F, Series 1995-I, Series 1995-J, Series 1996-A, Series 1996-B, Series 1996-C, Series 1996-D, Series 1996- E, Series 1996-G, Series 1996-H, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-E, Series 1997-F, Series 1997-I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1997- N, Series 1998-A, Series 1998-C, Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-I, Series 1998-J, Series 1999-A, Series 1999-B, Series 1999-D, Series 1999-E, Series 1999-G, Series 1999- H, Series 1999-I, Series 1999-J, Series 1999-L, and Series 1999-M. Fixed and Floating Rate Asset Backed Certificates (the "Certificates") and is the originator of the MBNA Master Credit Card Trust II (the "Registrant"). The Certificates do not represent obligations of or interest in the Originator. The Originator has made application pursuant to Section 12 (h) of the Securities Exchange Act of 1934 for an exemption from certain reporting requirements. Pursuant to an Order of the Securities and Exchange Commission dated December 30, 1988 granting Originator's application, Originator is not required to respond to various items of Form 10-K. Such items are designated herein as "Not Applicable". PART I ------ Item 1. Business - ------- -------- Not Applicable Item 2. Properties - ------- ---------- Not Applicable Item 3. Legal Proceedings - ------- ----------------- None Item 4. Submission Of Matters To A Vote Of Security Holders. - ------- ---------------------------------------------------- None PART II ------- Item 5. Market For Registrant's Common Equity - ------- And Related Stockholder Matters. -------------------------------- The Certificates representing investors' interests in the Trust are represented by a single Certificate registered in the name of Cede & Co., the nominee of The Depository Trust Company. Item 6. Selected Financial Data - ------- ----------------------- Not Applicable Item 7. Management's Discussion and Analysis of Financial Condition and - ------- Results of Operations -------------------------------------------------------------- - - Not Applicable Item 7A. Quantitative and Qualitative Disclosure About Market Risk - -------- --------------------------------------------- Not Applicable Item 8. Financial Statements and Supplementary Data - ------- ------------------------------------------- Not Applicable Item 9. Changes In And Disagreements With Accountants On Accounting - ------- And Financial Disclosure. ----------------------------------------------------------- None Item 10. Directors and Executive Officers of the Registrant - -------- -------------------------------------------------- Not Applicable Item 11. Executive Compensation - -------- ---------------------- Not Applicable PART III -------- Item 12. Security Ownership Of Certain Beneficial Owners And Management - -------- -------------------------------------------------------------- (a) The Certificates of each Series representing investors' interests in the Trust are represented by one or more Certificates registered in the name of Cede & Co., the nominee of The Depository Trust Company ("DTC"), and an investor holding an interest in the Trust is not entitled to receive a Certificate representing such interest except in certain limited circumstances. Accordingly, Cede & Co. is the sole holder of record of Certificates, which it held on behalf of brokers, dealers, banks and other direct participants in the DTC system at December 31, 1999. Such direct participants may hold Certificates for their own accounts or for the accounts of their customers. At December 31, 1999, the following direct DTC participants held positions in Certificates representing interests in the Trust equal to or exceeding 5% of the total principal amount of the Certificates of each Series outstanding on that date:
- --Aggregate - - --Amount of-Percentage Title--Certificates-Of Class-Name-Held-Ownership - ------------------------------------------------------------------------ - -------------- --- Series 1994-C--- Class A-Bank of New York (The)-$ 47,647,000-5.48% - -Bankers Trust Company -93,900,000-10.79% - -Chase Manhattan Bank-268,175,000-30.82% - -Deutsche Bank A.G., New York Branch-65,380,000-7.51% - -State Street Bank and Trust Company-253,930,000-29.19% Class B-Bankers Trust Company- $ 4,000,000 -8.89% - -Bank One Trust Company, N.A.-14,000,000-31.11% - -Chase Manhattan Bank-10,000,000-22.22% - -Investors Bank & Trust/M.F. Custody-10,000,000-22.22% - -SSB - Bank Portfolio-7,000,000-15.56% - --- Series 1995-A--- Class A-Bank of New York (The)-$ 42,938,000-8.58% - -Bankers Trust Company-45,100,000-9.02% - -Boston Safe Deposit and Trust Company-103,350,000-20.66% - -Chase Manhattan Bank-94,389,000-18.87% - -Citibank, N.A.-105,000,000-20.99% - -Merrill Lynch, Pierce Fenner & Smith Safekeeping-30,211,000-6.04% Class B-Chase Manhattan Bank-$ 7,875,000-30.43% - -Citibank, N.A.-8,000,000-30.92% - -Fuji Bank and Trust Company (The)-10,000,000-38.65% - --- Series 1995-B--- Class A-Bank of New York (The)-$ 428,000,000-65.59% - -Deutsche Bank A.G., New York Branch-50,000,000-7.66% - -First Union National Bank-50,000,000-7.66% - -State Street Bank and Trust Company-76,500,000-11.72% Class B-Chase Manhattan Bank-$ 6,250,000-18.52% - -Citibank, N.A.-7,500,000-22.22% - -State Street Bank and Trust Company-20,000,000-59.26% - --- Series 1995-C--- Class A-Bank of New York (The)-$ 35,980,000-7.19% - -Bankers Trust Company-38,405,000-7.68% - -Bank One Trust Company, N.A.-26,700,000-5.34% - -Boston Safe Deposit and Trust Company-72,463,000-14.49% - -Chase Manhattan Bank-47,200,000-9.44% - -Investors Fiduciary Trust Company/SSB-47,115,000-9.42% - -State Street Bank and Trust Company-100,620,000-20.11% Class B-Bank One Trust Company, N.A.-$ 25,875,000-100.00% - --- Series 1995-D--- Class A-Bank of New York (The)-$ 31,575,000-7.26% - -Bankers Trust Company-21,800,000-5.01% - -Chase Manhattan Bank-121,590,000-27.95% - -Investors Fiduciary Trust Company/SSB-72,050,000-16.56% - -State Street Bank and Trust Company-43,005,000-9.89% Class B-Bank One Trust Company, N.A.-$ 22,500,000-100.00% - --- Series 1995-E--- Class A-Bank of New York (The)-$ 71,225,000-16.37% - -Bankers Trust Company-65,000,000-14.94% - -Boston Safe Deposit and Trust Company-31,750,000-7.30% - -Chase Manhattan Bank-118,275,000-27.19% - -Citibank, N.A.-25,400,000-5.84% - -Merrill Lynch, Pierce Fenner & Smith Safekeeping-50,000,000-11.49% - -State Street Bank and Trust Company-24,250,000-5.57% Class B-Citibank, N.A.-$ 10,000,000-44.44% - -Bank One Trust Company, N.A.-12,500,000-55.56% - --- Series 1995-F--- Class A-Bank of New York (The)-$ 55,330,001-12.16% - -Chase Manhattan Bank-44,993,000-9.89% - -Citibank, N.A. -32,230,001-7.08% - -Investors Bank & Trust/M.F. Custody-25,565,000-5.62% - -Merrill Lynch, Pierce Fenner & Smith Safekeeping-31,855,000-7.00% - -State Street Bank and Trust Company-77,802,000-17.10% Class B-Chase Manhattan Bank-$ 18,750,000-100.00% - --- Series 1995-I--- Class A-Bank of New York (The)-$ 95,815,000-14.68% - -Chase Manhattan Bank-220,919,000-33.86% - -Citibank, N.A. -35,050,000-5.37% - -Investors Fiduciary Trust Company/SSB-84,143,000-12.90% - -State Street Bank and Trust Company-121,813,000-18.67% Class B-Bank of New York (The)-$ 10,000,000-29.63% - -Citibank, N.A.-7,000,000-20.74% - -Bank One Trust Company, N.A.-16,750,000-49.63% - --- Series 1995-J--- Class A-Bankers Trust Company-$ 72,000,000-16.55% - -Boston Safe Deposit and Trust Company-43,000,000-9.89% - -Chase Manhattan Bank-139,750,000-32.13% - -Chase Bank/Greenwich Capital-26,867,000-6.18% - -Fuji Bank and Trust Company (The)-25,000,000-5.75% - -State Street Bank and Trust Company-43,020,000-9.89% - -U.S. Bank National Association- 25,000,000- 5.75% Class B-Bank One Trust Company, N.A.- $ 22,500,000-100.00% - --- Series 1996-A--- Class A-Bank of New York (The)-$ 214,900,000-35.29% - -Bankers Trust Company-35,000,000-5.75% - -Boston Safe Deposit and Trust Company-46,900,000-7.70% - -Chase Manhattan Bank-152,000,000-24.96% - -Merrill Lynch, Pierce Fenner & Smith Safekeeping-50,000,000-8.21% Class B-Citibank, N.A.-$ 15,000,000-47.62% - -Fuji Bank and Trust Company (The)-16,500,000-52.38% - --- Series 1996-B--- Class A-Bank of New York (The)-$ 52,000,000-11.95% - -Boston Safe Deposit and Trust Company-88,330,000-20.31% - -Chase Bank of Texas, N.A.-23,000,000-5.29% - -Chase Manhattan Bank-58,000,000-13.33% - -Chase Manhattan Bank/FI-TRAC 2-30,500,000-7.01% - -Citibank, N.A.-40,000,000-9.20% - -Fuji Bank and Trust Company (The)-25,000,000-5.75% - -Norwest Bank Minnesota, National Association-31,170,000-7.17% - -State Street Bank and Trust Company-33,000,000-7.59% - -U.S. Bank National Association-24,000,000-5.52% Class B-Boston Safe Deposit and Trust Company-$ 22,500,000-100.00% - --- Series 1996-C--- Class A-Bank of New York (The)-$ 282,000,000-64.83% - -Citibank, N.A.-150,000,000-34.48% Class B-Brown Brothers Harriman & Co.-$ 2,000,000-8.89% - -LBI - Lehman Government Securites, Inc.-2,000,000-8.89% - -State Street Bank and Trust Company-18,500,000-82.22% - --- Series 1996-D--- Class A-Bank of New York (The)-$ 165,550,000-19.48% - -Chase Manhattan Bank-299,235,000-35.20% - -Deutsche Bank A.G., New York Branch-89,971,000-10.58% - -Merrill Lynch, Pierce Fenner & Smith Safekeeping-42,500,000-5.00% - -State Street Bank and Trust Company-148,314,000-17.45% Class B-Bank of New York (The)-$ 18,000,000-24.00% - -Citibank, N.A.-22,000,000-29.33% - -Deutsche Bank A.G., New York Branch-7,000,000-9.33% - -Harris Trust & Savings Bank-5,000,000-6.67% - -Investors Bank & Trust/M.F. Custody -16,000,000-21.33% - -State Street Bank and Trust Company-4,000,000-5.33% - --- Series 1996-E--- Class A-Bank of New York (The)-$ 63,052,000-9.89% - -Chase Bank of Texas, N.A.-60,000,000-9.41% - -Chase Manhattan Bank-212,448,000-33.33% - -Citibank, N.A.-40,645,000-6.38% - -State Street Bank and Trust Company-197,185,000-30.93% - -Swiss American Securities Inc.-49,000,000-7.69% Class B-Bankers Trust Company-$ 28,450,000-50.58% - -Boston Safe Deposit and Trust Company-15,000,000-26.67% - -Chase Manhattan Bank-3,000,000-5.33% - -Citibank, N.A.-2,800,000-4.98% - -Harris Trust & Savings Bank-5,000,000-8.89% - --- Series 1996-G--- Class A-Banque National De Paris, New York Branch-$ 45,000,000-10.59% - -Boston Safe Deposit and Trust Company-69,500,000-16.35% - -Chase Manhattan Bank-90,500,000-21.29% - -Citibank, N.A.-70,000,000-16.47% - -Harris Trust & Savings Bank-45,000,000-10.59% - -Merrill Lynch, Pierce Fenner & Smith Safekeeping-50,000,000-11.76% - -State Street Bank and Trust Company-35,000,000-8.24% Class B-Bank of New York (The)-$ 5,000,000-13.33% - -Bankers Trust Company-27,500,000-73.34% - -Chase Manhattan Bank-5,000,000-13.33% - --- Series 1996-H--- Class A-Bank of New York (The)-$ 141,520,000-13.87% - -Bankers Trust Company-108,325,000-10.62% - -Chase Manhattan Bank-121,480,000-11.91% - -Citibank, N.A.-104,100,000-10.21% - -Deutsche Bank A.G., New York Branch-93,000,000-9.12% - -Northern Trust Company (The)-67,185,000-6.59% - -State Street Bank and Trust Company-210,805,000-20.67% Class B-Bank of New York (The)-$ 31,550,000-35.06% - -Bankers Trust Company-37,400,000-41.56% - -Boston Safe Deposit and Trust Company-6,950,000-7.72% - -Citibank, N.A.-10,250,000-11.39% - --- Series 1996-J--- Class A-Bank of New York (The)-$ 52,805,000-6.21% - -Boston Safe Deposit and Trust Company-67,725,000-7.97% - -Chase Manhattan Bank-297,675,000-35.02% - -Chase Bank/Greenwich Capital-97,350,000-11.45% - -Citibank, N.A.-63,895,000-7.52% - -State Street Bank and Trust Company-185,177,000-21.79% Class B-Chase Manhattan Bank-$ 50,000,000-66.67% - -Boston Safe Deposit and Trust Company-25,000,000-33.33% - --- Series 1996-K--- Class A-Bank of New York (The)-$ 46,290,000-5.45% - -Boston Safe Deposit and Trust Company-266,846,000-31.39% - -Chase Manhattan Bank-109,000,000-12.82% - -Citibank, N.A.-225,000,000-26.47% - -HSBC Bank USA/Treasury Investment-44,375,000-5.22% - -State Street Bank and Trust Company-76,879,000-9.04% Class B-Bank of New York (The)-$ 25,000,000-33.33% - -Chase Manhattan Bank-50,000,000-66.67% - --- Series 1996-M--- Class A-Bankers Trust Company-$ 34,500,000-8.12% - -Boston Safe Deposit and Trust Company-51,000,000-12.00% - -Chase Manhattan Bank-114,650,000-26.98% - -Citibank, N.A.-75,300,000-17.72% - -Deutsche Bank A.G., New York Branch-46,000,000-10.82% - -Norwest Bank Minnesota, National Association-30,850,000-7.26% - -State Street Bank and Trust Company-34,000,000-8.00% Class B-Bank of New York (The)-$ 27,000,000-72.00% - -Chase Manhattan Bank-10,500,000-28.00% - --- Series 1997-B--- Class A-Bank of New York (The)-$ 126,500,000-14.88% - -Chase Bank of Texas, N.A.-362,780,000-42.68% - -Chase Manhattan Bank-145,600,000-17.13% - -Chase Manhattan Bank Correspondence Clearing Services-68,520,000-8.06% - -Merrill Lynch, Pierce Fenner & Smith Safekeeping-46,200,000- 5.44% - -State Street Bank and Trust Company-55,850,000-6.57% Class B-Bank of New York (The)-$ 10,000,000-13.33% - -Chase Manhattan Bank-65,000,000-86.67% - --- Series 1997-C--- Class A-Bankers Trust Company-$ 51,000,000- 8.00% - -Boston Safe Deposit and Trust Company-75,000,000-11.76% - -Chase Manhattan Bank-146,290,000-22.95% - -Citibank, N.A.-215,210,000-33.76% - -State Street Bank and Trust Company-96,000,000-15.06% Class B-Bankers Trust Company-$ 14,250,000-25.33% - -Boston Safe Deposit and Trust Company-37,000,000-65.78% - -Bank One Trust Company, N.A.-5,000,000-8.89% - --- Series 1997-E--- Class A-Bank of New York (The)-$ 50,000,000-7.84% - -Bankers Trust Company- 115,000,000-18.04% - -Boston Safe Deposit and Trust Company-75,000,000-11.76% - -Chase Manhattan Bank-38,000,000- 5.96% - -Citibank, N.A.-76,400,000-11.98% - -Norwest Bank Minnesota, National Association-35,000,000-5.49% - -State Street Bank and Trust Company-240,350,000-37.70% Class B-Brown Brothers Harriman & Co.-$ 5,000,000-8.89% - -Chase Manhattan Bank-12,000,000-21.33% - -Bank One Trust Company, N.A.-15,000,000-26.67% - -Boston Safe Deposit and Trust Company-19,250,000-34.22% - -State Street Bank and Trust Company-5,000,000-8.89% - --- Series 1997-F--- Class A-Bank of New York (The)-$ 48,800,000-8.13% - -Bankers Trust Company-239,860,000-39.98% - -Boston Safe Deposit and Trust Company-38,535,000-6.42% - -Chase Manhattan Bank-37,130,000-6.19% - -Northern Trust Company (The)-52,990,000-8.83% - -State Street Bank and Trust Company-40,425,000-6.74% Class B-Bankers Trust Company-$ 13,000,000-24.53% - -Boston Safe Deposit and Trust Company-10,000,000-18.87% - -Chase Manhattan Bank-20,000,000-37.74% - -Bank One Trust Company, N.A.-10,000,000-18.87% - --- Series 1997-I--- Class A-Bank of New York (The)-$ 103,005,000-16.16% - -Bankers Trust Company- 119,800,000-18.79% - -Boston Safe Deposit and Trust Company- 54,095,000-8.49% - -Chase Manhattan Bank-81,400,000-12.77% - -Fifth Third Bank/State Teachers Retirement of Ohio-35,070,000-5.50% - -State Street Bank and Trust Company-33,048,000-5.18% Class B-Chase Manhattan Bank-$ 34,250,000-60.89% - -Citibank, N.A.- 7,000,000-12.44% - -State Street Bank and Trust Company-15,000,000-26.67% - --- Series 1997-J--- Class A-The Bank of New York/Barclays De Zoete Wedd Securities-$ 70,000,000-10.98% - -Brown Brothers Harriman & Co.-60,000,000-9.41% - -Chase Manhattan Bank-83,000,000-13.02% - -Citibank, N.A.-32,950,000-5.17% - -HSBC Bank USA/Treasury Investment-50,000,000-7.84% - -Morgan Stanley & Co. Incorporated-34,000,000-5.33% - -State Street Bank and Trust Company-220,000,000-34.51% Class B-Bankers Trust Company-$ 15,000,000-26.67% - -Citibank, N.A.- 5,000,000- 8.89% - -Boston Safe Deposit and Trust Company-36,250,000-64.44% - --- Series 1997-K--- Class A-SSB - Trust Custody-$ 599,500,000-94.04% Class B-Bankers Trust Company-$ 15,000,000-26.67% - -Chase Manhattan Bank-20,250,000-35.99% - -Citibank, N.A.-6,000,000-10.67% - -State Street Bank and Trust Company-15,000,000-26.67% - --- Series 1997-M--- Class A-Bankers Trust Company-$ 143,410,000-22.50% - -Chase Manhattan Bank-148,300,000-23.26% - -Harris Trust & Savings Bank-50,000,000-7.84% - -State Street Bank and Trust Company-235,095,000-36.88% Class B-Boston Safe Deposit and Trust Company-$ 6,250,000-11.11% - -Chase Manhattan Bank-50,000,000-88.89% - --- Series 1997-N--- Class A-Bank of New York (The)-$ 38,475,000-5.03% - -Bankers Trust Company-77,845,000-10.18% - -Boston Safe Deposit and Trust Company-188,290,000- 24.61% - -Chase Manhattan Bank-43,250,000-5.65% - -Citibank, N.A.-150,000,000-19.61% - -State Street Bank and Trust Company-196,365,000-25.67% Class B-Bank of New York (The)-$ 20,000,000-29.63% - -Chase Manhattan Bank-25,000,000-37.04% - -Harris Trust & Savings Bank-21,500,000-31.85% - --- Series 1998-A--- Class A-Bankers Trust Company-$ 125,000,000- 19.61% - -Chase Manhattan Bank-44,185,000-6.93% - -Citibank, N.A.-32,000,000- 5.02% - -First Union National Bank-48,600,000- 7.62% - -State Street Bank and Trust Company-257,370,000-40.37% Class B-Chase Manhattan Bank-$ 56,250,000-100.00% - --- Series 1998-C--- Class A-Bankers Trust Company-$ 95,000,000- 14.90% - -Chase Manhattan Bank-164,500,000-25.80% - -State Street Bank and Trust Company-312,300,000-48.99% Class B-Chase Manhattan Bank-$ 44,750,000- 79.56% - -Citibank, N.A.-4,000,000-7.11% - -State Street Bank and Trust Company-7,500,000-13.33% - --- Series 1998-D--- Class A-Bank of New York (The)-$ 34,176,000-7.19% - -Bankers Trust Company-125,926,000-26.51% - -Bank One Trust Company N.A./Public Employee Retirement-100,000,000- 21.05% - -Boston Safe Deposit and Trust Company-36,251,000-7.63% - -Citibank, N.A.-51,180,000-10.77% - -State Street Bank and Trust Company-31,262,000- 6.58% Class B-Bank of New York (The)-$ 10,000,000- 23.81% - -Chase Manhattan Bank-22,000,000-52.38% - -Fuji Bank and Trust Company (The)-10,000,000-23.81% - --- Series 1998-E--- Class A-State Street Bank and Trust Company-$ 750,000,000-100.00% Class B-Bankers Trust Company-$ 66,200,000-100.00% - --- Series 1998-F--- Class A-Bankers Trust Company-$ 50,000,000-11.76% - -Bank One Trust Co. N.A./Corporate Trust- 25,000,000-5.88% - -Boston Safe Deposit and Trust Company-88,000,000-20.71% - -Chase Manhattan Bank- 75,000,000-17.65% - -Chase Manhattan Bank/FI-TRAC 2-39,000,000-9.18% - -Citibank, N.A.-31,800,000-7.48% - -Norwest Bank Minnesota, National Association-29,200,000-6.87% - -State Street Bank and Trust Company-83,000,000-19.53% Class B-State Street Bank and Trust Company-$ 37,500,000-100.00% - --- Series 1998-G--- Class A-SSB-Trust Custody -$ 637,500,000-100.00% Class B-Bankers Trust Company-$ 46,250,000-82.22% - -Bank One Trust Company, N.A.-10,000,000-17.78% - --- Series 1998-I--- Class A-Bank of New York (The)-$ 202,000,000-31.69% - -Chase Manhattan Bank- 77,370,000-12.14% - -Citibank, N.A.- 53,970,000-8.47% - -Fuji Bank and Trust Company (The)-50,000,000-7.84% - -Northern Trust Company (The)-53,060,000-8.32% - -State Street Bank and Trust Company -132,555,000-20.79% Class B-Citibank, N.A.-$ 12,500,000-22.22% - -Fuji Bank and Trust Company (The)- 25,000,000-44.44% - -Harris Trust & Savings Bank- 3,000,000-5.33% - -SSB - Bank Portfolio-15,750,000-28.00% - --- Series 1998-J--- Class A-Bank of New York (The)-$ 110,914,000- 16.81% - -Bankers Trust Company- 49,744,000- 7.54% - -Bank One Trust Company N.A./Public Employee Retirement-74,610,000- 11.30% - -Boston Safe Deposit and Trust Company-101,607,000- 15.40% - -Chase Manhattan Bank-44,395,000- 6.73% - -Northern Trust Company (The)- 40,973,000- 6.21% - -State Street Bank and Trust Company - 111,911,000-16.96% Class B-Boston Safe Deposit and Trust Company-$ 10,000,000- 22.22% - -Chase Manhattan Bank- 25,000,000- 55.56% - -State Street Bank and Trust Company - 10,000,000- 22.22% - --- Series 1999-A--- Class A-Bank of New York (The)-$ 23,160,000- 5.45% - -Bankers Trust Company- 25,000,000- 5.88% - -Boston Safe Deposit and Trust Company-85,000,000- 20.00% - -Chase Manhattan Bank-80,500,000- 18.94% - -State Street Bank and Trust Company- 150,840,000- 35.49% - -Swiss American Securities Inc.-25,000,000-5.88% Class B-Bankers Trust Company-$ 33,850,000- 90.27% - -Boston Safe Deposit and Trust Company- 2,900,000- 7.73% - --- Series 1999-B--- Class A-Bank of New York (The)-$ 87,965,000-13.80% - -Bankers Trust Company-37,355,000-5.86% - -Boston Safe Deposit and Trust Company-48,340,000- 7.58% - -Chase Manhattan Bank-55,101,000- 8.64% - -Investors Fiduciary Trust Company/SSB- 101,300,000-15.89% - -State Street Bank and Trust Company-165,693,000-25.99% Class B-Bank of New York (The)-$ 10,000,000-17.78% - -Bankers Trust Company-5,000,000-8.89% - -Chase Manhattan Bank-21,250,000-37.78% - -Salomon Smith Barney Inc./Salomon Brothers-10,000,000-17.78% - -State Street Bank and Trust Company- 10,000,000- 17.78% - --- Series 1999-D--- Class A-Bank of New York (The)-$ 47,900,000-11.27% - -Boston Safe Deposit and Trust Company-85,000,000-20.00% - -Chase Manhattan Bank-50,700,000-11.93% - -Citibank, N.A.-50,000,000-11.76% - -Norwest Bank Minnesota, National Association-37,000,000-8.71% - -Salomon Smith Barney Inc./Salomon Brothers-41,300,000-9.72% - -State Street Bank and Trust Company-75,000,000-17.65% - -U.S. Bank National Association-30,000,000-7.06% Class B-Chase Manhattan Bank-$ 36,000,000-96.00% - --- Series 1999-E--- Class A-Bank of New York (The)-$ 101,000,000-11.88% - -Bankers Trust Company-82,000,000-9.65% - -Boston Safe Deposit and Trust Company-209,000,000-24.59% - -Chase Manhattan Bank-157,000,000-18.47% - -Deutsche Bank A.G., New York Branch-50,000,000-5.88% - -Northern Trust Company (The)-141,000,000-16.59% - -State Street Bank and Trust Company-106,000,000-12.47% Class B-Bank of New York (The)-$ 13,275,000-17.70% - -Bankers Trust Company-26,000,000-34.67% - -Boston Safe Deposit and Trust Company-30,325,000-40.43% - --- Series 1999-G--- Class A-Bank of New York (The)-$ 32,955,000-5.17% - -Bankers Trust Company-141,980,000-22.27% - -Bank One Trust Company N.A./Public Employee Retirement-40,000,000-6.27% - -Boston Safe Deposit and Trust Company-38,175,000-5.99% - -Chase Manhattan Bank-49,225,000-7.72% - -Northern Trust Company (The)-38,170,000-5.99% - -State Street Bank and Trust Company-141,455,000-22.19% - -Suntrust Bank/Safekeeping Custodian For STES-34,915,000-5.48% Class B-Chase Manhattan Bank-$ 13,175,000-23.42% - -Investors Bank & Trust/M.F. Custody-4,050,000-7.20% - -Northern Trust Company (The)-6,050,000-10.76% - -State Street Bank and Trust Company-13,225,000-23.51% - -Wells Fargo Bank, National Association-6,885,000-12.24% - --- Series 1999-H--- Class A-Chase Manhattan Bank-$ 328,000,000-38.59% - -Citibank, N.A.-240,000,000-28.24% - -State Street Bank and Trust Company-173,500,000-20.41% - -Swiss American Securities Inc.-50,000,000-5.88% Class B-Bankers Trust Company-$ 15,500,000-20.67% - -Bank of Tokyo-Mitsubishi Trust Company-15,000,000-20.00% - -Chase Manhattan Bank-18,500,000-24.67% - -Fuji Bank and Trust Company (The)-20,000,000-26.67% - --- Series 1999-I--- Class A-Bank of New York (The)-$ 60,676,000-9.52% - -Bankers Trust Company-35,261,000-5.53% - -Boston Safe Deposit and Trust Company-113,803,000-17.85% - -Chase Manhattan Bank-130,665,000-20.50% - -Citibank, N.A.-46,750,000-7.33% - -Northern Trust Company (The)-45,522,000-7.14% - -SSB - Trust Custody-46,125,000-7.24% - -State Street Bank and Trust Company-55,497,000-8.71% Class B-Bank of Tokyo-Mitsubishi Trust Company-$ 20,000,000-35.56% - -Chase Manhattan Bank-8,070,000-14.35% - -FUNB - Phila. Main-26,200,000-46.58% - --- Series 1999-J--- Class A-Bank of New York (The)-$ 115,564,000-13.60% - -Bankers Trust Company-66,370,000-7.81% - -Boston Safe Deposit and Trust Company-57,968,000-6.82% - -Chase Manhattan Bank-50,755,000-5.97% - -LBI - Lehman Government Securites Inc. (LBI)-167,759,000-19.74% - -Northern Trust Company (The)-83,693,000-9.85% - -State Street Bank and Trust Company-209,592,000-24.66% Class B-Bank of New York (The)-$ 12,735,000-16.98% - -Boston Safe Deposit and Trust Company-8,000,000-10.67% - -Chase Manhattan Bank-26,250,000-35.00% - -Huntington National Bank-5,350,000-7.13% - -State Street Bank and Trust Company-15,000,000-20.00% - --- Series 1999-L--- Class A-Bank of New York (The)-$ 55,000,000-8.63% - -Boston Safe Deposit and Trust Company-182,000,000-28.55% - -Chase Manhattan Bank-58,470,000-9.17% - -Morgan Stanley & Co. Incorporated-85,000,000-13.33% - -State Street Bank and Trust Company-55,000,000-8.63% - -Swiss American Securities Inc.-112,500,000-17.65% Class B-Bankers Trust Company-$ 36,250,000-64.44% - -Fuji Bank and Trust Company (The)-20,000,000-35.56% - --- Series 1999-M--- Class A-Bank of New York (The)-$ 82,250,000- 19.35% - -Boston Safe Deposit and Trust Company-34,940,000- 8.22% - -Chase Manhattan Bank- 28,000,000- 6.59% - -State Street Bank and Trust Company- 70,041,000- 16.48% - -Suntrust Bank/Safekeeping Custodian for STES- 143,000,000- 33.65% Class B-Chase Manhattan Bank-$ 10,000,000- 26.67% - -Deutsche Bank Securities Inc.-20,000,000-53.33% - -Wells Fargo Bank, National Association-7,500,000-20.00%
The address of each of the above participants is: C/O The Depository Trust Company 55 Water Street New York, NY 10041 (b) Not Applicable (c) Not Applicable Item 13. Certain Relationships and Related Transactions - -------- ---------------------------------------------- None PART IV ------- Item 14. Exhibits, Financial Statement Schedules, And Reports On Form 8-K - -------- -------------------------------------------------------------- - -- (a) The following documents are filed as part of this Report: 3. Exhibits: 99.01 Annual Accountant's report dated August 10, 1999 with respect to Series 1994-C, Series 1995-A, Series 1995-B, Series 1995-C, Series 1995-D, Series 1995-E, Series 1995-F, Series 1995-I, Series 1995- J, Series 1996-A, Series 1996-B, Series 1996-C, Series 1996-D, Series 1996-E, Series 1996-G, Series 1996-H, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997- E, Series 1997-F, Series 1997-I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1997-N,Series 1998-A, Series 1998-C, Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998- I, Series 1998-J, Series 1999-A, Series 1999-B, and Series 1999-D. The Annual Accountant's report with respect to Series 1999-E, Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J, Series 1999-L, and Series 1999-M is not required until August 31, 2000. 99.02 Annual Servicer's Certificate dated August 30, 1999 with respect to Series 1994-C, Series 1995-A, Series 1995-B, Series 1995-C, Series 1995-D, Series 1995-E, Series 1995-F, Series 1995-I, Series 1995-J, Series 1996-A, Series 1996-B, Series 1996-C, Series 1996- D, Series 1996-E, Series 1996-G, Series 1996-H, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-E, Series 1997-F, Series 1997-I, Series 1997-J, Series 1997- K, Series 1997-M, Series 1997-N,Series 1998-A, Series 1998-C, Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-I, Series 1998-J, Series 1999-A, Series 1999-B, and Series 1999-D. The Annual Servicer's Certificate with respect to Series 1999-E, Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J, Series 1999-L, and Series 1999-M is not required until August 31, 2000. (b) Three reports on Form 8-K were filed by the registrant for each month during the quarter ended December 31, 1999. These reports filed on October 14, 1999, November 12, 1999, and December 14, 1999, included the following: Item 2. Acquisition or Disposition of Assets Item 5. Other Events Item 7. Financial Statements, Pro Forma Financial Information and Exhibits (c) See item 14(a) (3) above. SIGNATURES - ---------- Pursuant to the requirements of Section 13 or 15(d) 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. MBNA America Bank, National Association As originator of Trust Registrant Date: March 27, 2000 By: /s/ Jack Fioravanti ------------------------------- Jack Fioravanti Senior Vice President