============================================================================= = 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: January 14, 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 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 December 31, 1998. 20.2 Series 1994-B Certificateholders' Statement for the month ended December 31, 1998. 20.3 Series 1994-C Certificateholders' Statement for the month ended December 31, 1998. 20.4 Series 1995-A Certificateholders' Statement for the month ended December 31, 1998. 20.5 Series 1995-B Certificateholders' Statement for the month ended December 31, 1998. 20.6 Series 1995-C Certificateholders' Statement for the month ended December 31, 1998. 20.7 Series 1995-D Certificateholders' Statement for the month ended December 31, 1998. 20.8 Series 1995-E Certificateholders' Statement for the month ended December 31, 1998. 20.9 Series 1995-F Certificateholders' Statement for the month ended December 31, 1998. 20.10 Series 1995-I Certificateholders' Statement for the month ended December 31, 1998. 20.11 Series 1995-J Certificateholders' Statement for the month ended December 31, 1998. 20.12 Series 1996-A Certificateholders' Statement for the month ended December 31, 1998. 20.13 Series 1996-B Certificateholders' Statement for the month ended December 31, 1998. 20.14 Series 1996-C Certificateholders' Statement for the month ended December 31, 1998. 20.15 Series 1996-D Certificateholders' Statement for the month ended December 31, 1998. 20.16 Series 1996-E Certificateholders' Statement for the month ended December 31, 1998. 20.17 Series 1996-G Certificateholders' Statement for the month ended December 31, 1998. 20.18 Series 1996-H Certificateholders' Statement for the month ended December 31, 1998. 20.19 Series 1996-J Certificateholders' Statement for the month ended December 31, 1998. 20.20 Series 1996-K Certificateholders' Statement for the month ended December 31, 1998. 20.21 Series 1996-L Certificateholders' Statement for the month ended December 31, 1998. 20.22 Series 1996-M Certificateholders' Statement for the month ended December 31, 1998. 20.23 Series 1997-B Certificateholders' Statement for the month ended December 31, 1998. 20.24 Series 1997-C Certificateholders' Statement for the month ended December 31, 1998. 20.25 Series 1997-E Certificateholders' Statement for the month ended December 31, 1998. 20.26 Series 1997-F Certificateholders' Statement for the month ended December 31, 1998. 20.27 Series 1997-I Certificateholders' Statement for the month ended December 31, 1998. 20.28 Series 1997-J Certificateholders' Statement for the month ended December 31, 1998. 20.29 Series 1997-K Certificateholders' Statement for the month ended December 31, 1998. 20.30 Series 1997-M Certificateholders' Statement for the month ended December 31, 1998. 20.31 Series 1997-N Certificateholders' Statement for the month ended December 31, 1998. 20.32 Series 1998-A Certificateholders' Statement for the month ended December 31, 1998. 20.33 Series 1998-C Certificateholders' Statement for the month ended December 31, 1998. 20.34 Series 1998-D Certificateholders' Statement for the month ended December 31, 1998. 20.35 Series 1998-E Certificateholders' Statement for the month ended December 31, 1998. 20.36 Series 1998-F Certificateholders' Statement for the month ended December 31, 1998. 20.37 Series 1998-G Certificateholders' Statement for the month ended December 31, 1998. 20.38 Series 1998-I Certificateholders' Statement for the month ended December 31, 1998. 20.39 Series 1998-J Certificateholders' Statement for the month ended December 31, 1998. 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 December 31, 1998. 99.2. Series 1994-B Key Performance Factors for the month ended December 31, 1998. 99.3. Series 1994-C Key Performance Factors for the month ended December 31, 1998. 99.4. Series 1995-A Key Performance Factors for the month ended December 31, 1998. 99.5. Series 1995-B Key Performance Factors for the month ended December 31, 1998. 99.6. Series 1995-C Key Performance Factors for the month ended December 31, 1998. 99.7. Series 1995-D Key Performance Factors for the month ended December 31, 1998. 99.8. Series 1995-E Key Performance Factors for the month ended December 31, 1998. 99.9. Series 1995-F Key Performance Factors for the month ended December 31, 1998. 99.10. Series 1995-I Key Performance Factors for the month ended December 31, 1998. 99.11. Series 1995-J Key Performance Factors for the month ended December 31, 1998. 99.12. Series 1996-A Key Performance Factors for the month ended December 31, 1998. 99.13. Series 1996-B Key Performance Factors for the month ended December 31, 1998. 99.14. Series 1996-C Key Performance Factors for the month ended December 31, 1998. 99.15. Series 1996-D Key Performance Factors for the month ended December 31, 1998. 99.16. Series 1996-E Key Performance Factors for the month ended December 31, 1998. 99.17. Series 1996-G Key Performance Factors for the month ended December 31, 1998. 99.18. Series 1996-H Key Performance Factors for the month ended December 31, 1998. 99.19. Series 1996-J Key Performance Factors for the month ended December 31, 1998. 99.20. Series 1996-K Key Performance Factors for the month ended December 31, 1998. 99.21. Series 1996-L Key Performance Factors for the month ended December 31, 1998. 99.22. Series 1996-M Key Performance Factors for the month ended December 31, 1998. 99.23. Series 1997-B Key Performance Factors for the month ended December 31, 1998. 99.24. Series 1997-C Key Performance Factors for the month ended December 31, 1998. 99.25. Series 1997-E Key Performance Factors for the month ended December 31, 1998. 99.26. Series 1997-F Key Performance Factors for the month ended December 31, 1998. 99.27. Series 1997-I Key Performance Factors for the month ended December 31, 1998. 99.28. Series 1997-J Key Performance Factors for the month ended December 31, 1998. 99.29. Series 1997-K Key Performance Factors for the month ended December 31, 1998. 99.30. Series 1997-M Key Performance Factors for the month ended December 31, 1998. 99.31. Series 1997-N Key Performance Factors for the month ended December 31, 1998. 99.32. Series 1998-A Key Performance Factors for the month ended December 31, 1998. 99.33. Series 1998-C Key Performance Factors for the month ended December 31, 1998. 99.34. Series 1998-D Key Performance Factors for the month ended December 31, 1998. 99.35. Series 1998-E Key Performance Factors for the month ended December 31, 1998. 99.36. Series 1998-F Key Performance Factors for the month ended December 31, 1998. 99.37. Series 1998-G Key Performance Factors for the month ended December 31, 1998. 99.38. Series 1998-I Key Performance Factors for the month ended December 31, 1998. 99.39. Series 1998-J Key Performance Factors for the month ended December 31, 1998. 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: January 14, 1999 MBNA AMERICA BANK, NATIONAL ASSOCIATION By: David Martini ---------------------------------- Name: David Martini Title: Vice President