============================================================================= = 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: December 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 2. ACQUISITION OR DISPOSITION OF ASSETS On November 24, 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. 25 of Receivables in Additional Accounts dated as of November 24, 1999, (the "Assignment"). The principal amount of the Receivables in the Additional Accounts on November 24, 1999, was $596,338,179.13. 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 5. OTHER EVENTS MBNA Master Credit Card Trust II Series 1999-L Classes A and B Certificates were issued November 5, 1999. The net proceeds from the sale of Series 1999-L will be used by the Seller for its general corporate purposes. On December 15, 1999 the MBNA Master Credit Card Trust II Series 1996-L (the "Series") will be terminated in accordance with the provisions of Section 10 of the Series 1996-L Supplement dated as of December 3, 1996, to the Pooling and Servicing Agreement dated as of August 4, 1994 (the "Pooling and Servicing Agreement") and subsection 12.03 of the Pooling and Servicing Agreement. Final Payment will be made on the Series certificates after presentation and surrender of the Series certificates at the offices of The Bank of New York, as the Trustee. Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS The following are filed as Exhibits to this Report under Exhibit 4: 4.1 Series 1999-L Supplement to the Pooling and Servicing Agreement, dated as of November 5, 1999, among MBNA America Bank, National Association, Seller and Servicer, and The Bank of New York, Trustee. The following are filed as Exhibits to this Report under Exhibit 20: 20.1 Series 1994-C Certificateholders' Statement for the month ended November 30, 1999. 20.2 Series 1995-A Certificateholders' Statement for the month ended November 30, 1999. 20.3 Series 1995-B Certificateholders' Statement for the month ended November 30, 1999. 20.4 Series 1995-C Certificateholders' Statement for the month ended November 30, 1999. 20.5 Series 1995-D Certificateholders' Statement for the month ended November 30, 1999. 20.6 Series 1995-E Certificateholders' Statement for the month ended November 30, 1999. 20.7 Series 1995-F Certificateholders' Statement for the month ended November 30, 1999. 20.8 Series 1995-I Certificateholders' Statement for the month ended November 30, 1999. 20.9 Series 1995-J Certificateholders' Statement for the month ended November 30, 1999. 20.10 Series 1996-A Certificateholders' Statement for the month ended November 30, 1999. 20.11 Series 1996-B Certificateholders' Statement for the month ended November 30, 1999. 20.12 Series 1996-C Certificateholders' Statement for the month ended November 30, 1999. 20.13 Series 1996-D Certificateholders' Statement for the month ended November 30, 1999. 20.14 Series 1996-E Certificateholders' Statement for the month ended November 30, 1999. 20.15 Series 1996-G Certificateholders' Statement for the month ended November 30, 1999. 20.16 Series 1996-H Certificateholders' Statement for the month ended November 30, 1999. 20.17 Series 1996-J Certificateholders' Statement for the month ended November 30, 1999. 20.18 Series 1996-K Certificateholders' Statement for the month ended November 30, 1999. 20.19 Series 1996-L Certificateholders' Statement for the month ended November 30, 1999. 20.20 Series 1996-M Certificateholders' Statement for the month ended November 30, 1999. 20.21 Series 1997-B Certificateholders' Statement for the month ended November 30, 1999. 20.22 Series 1997-C Certificateholders' Statement for the month ended November 30, 1999. 20.23 Series 1997-E Certificateholders' Statement for the month ended November 30, 1999. 20.24 Series 1997-F Certificateholders' Statement for the month ended November 30, 1999. 20.25 Series 1997-I Certificateholders' Statement for the month ended November 30, 1999. 20.26 Series 1997-J Certificateholders' Statement for the month ended November 30, 1999. 20.27 Series 1997-K Certificateholders' Statement for the month ended November 30, 1999. 20.28 Series 1997-M Certificateholders' Statement for the month ended November 30, 1999. 20.29 Series 1997-N Certificateholders' Statement for the month ended November 30, 1999. 20.30 Series 1998-A Certificateholders' Statement for the month ended November 30, 1999. 20.31 Series 1998-C Certificateholders' Statement for the month ended November 30, 1999. 20.32 Series 1998-D Certificateholders' Statement for the month ended November 30, 1999. 20.33 Series 1998-E Certificateholders' Statement for the month ended November 30, 1999. 20.34 Series 1998-F Certificateholders' Statement for the month ended November 30, 1999. 20.35 Series 1998-G Certificateholders' Statement for the month ended November 30, 1999. 20.36 Series 1998-I Certificateholders' Statement for the month ended November 30, 1999. 20.37 Series 1998-J Certificateholders' Statement for the month ended November 30, 1999. 20.38 Series 1999-A Certificateholders' Statement for the month ended November 30, 1999. 20.39 Series 1999-B Certificateholders' Statement for the month ended November 30, 1999. 20.40 Series 1999-D Certificateholders' Statement for the month ended November 30, 1999. 20.41 Series 1999-E Certificateholders' Statement for the month ended November 30, 1999. 20.42 Series 1999-G Certificateholders' Statement for the month ended November 30, 1999. 20.43 Series 1999-H Certificateholders' Statement for the month ended November 30, 1999. 20.44 Series 1999-I Certificateholders' Statement for the month ended November 30, 1999. 20.45 Series 1999-J Certificateholders' Statement for the month ended November 30, 1999. 20.46 Series 1999-L Certificateholders' Statement for the month ended November 30, 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-C Key Performance Factors for the month ended November 30, 1999. 99.2. Series 1995-A Key Performance Factors for the month ended November 30, 1999. 99.3. Series 1995-B Key Performance Factors for the month ended November 30, 1999. 99.4. Series 1995-C Key Performance Factors for the month ended November 30, 1999. 99.5. Series 1995-D Key Performance Factors for the month ended November 30, 1999. 99.6. Series 1995-E Key Performance Factors for the month ended November 30, 1999. 99.7. Series 1995-F Key Performance Factors for the month ended November 30, 1999. 99.8. Series 1995-I Key Performance Factors for the month ended November 30, 1999. 99.9. Series 1995-J Key Performance Factors for the month ended November 30, 1999. 99.10. Series 1996-A Key Performance Factors for the month ended November 30, 1999. 99.11. Series 1996-B Key Performance Factors for the month ended November 30, 1999. 99.12. Series 1996-C Key Performance Factors for the month ended November 30, 1999. 99.13. Series 1996-D Key Performance Factors for the month ended November 30, 1999. 99.14. Series 1996-E Key Performance Factors for the month ended November 30, 1999. 99.15. Series 1996-G Key Performance Factors for the month ended November 30, 1999. 99.16. Series 1996-H Key Performance Factors for the month ended November 30, 1999. 99.17. Series 1996-J Key Performance Factors for the month ended November 30, 1999. 99.18. Series 1996-K Key Performance Factors for the month ended November 30, 1999. 99.19. Series 1996-L Key Performance Factors for the month ended November 30, 1999. 99.20. Series 1996-M Key Performance Factors for the month ended November 30, 1999. 99.21. Series 1997-B Key Performance Factors for the month ended November 30, 1999. 99.22. Series 1997-C Key Performance Factors for the month ended November 30, 1999. 99.23. Series 1997-E Key Performance Factors for the month ended November 30, 1999. 99.24. Series 1997-F Key Performance Factors for the month ended November 30, 1999. 99.25. Series 1997-I Key Performance Factors for the month ended November 30, 1999. 99.26. Series 1997-J Key Performance Factors for the month ended November 30, 1999. 99.27. Series 1997-K Key Performance Factors for the month ended November 30, 1999. 99.28. Series 1997-M Key Performance Factors for the month ended November 30, 1999. 99.29. Series 1997-N Key Performance Factors for the month ended November 30, 1999. 99.30. Series 1998-A Key Performance Factors for the month ended November 30, 1999. 99.31. Series 1998-C Key Performance Factors for the month ended November 30, 1999. 99.32. Series 1998-D Key Performance Factors for the month ended November 30, 1999. 99.33. Series 1998-E Key Performance Factors for the month ended November 30, 1999. 99.34. Series 1998-F Key Performance Factors for the month ended November 30, 1999. 99.35. Series 1998-G Key Performance Factors for the month ended November 30, 1999. 99.36. Series 1998-I Key Performance Factors for the month ended November 30, 1999. 99.37. Series 1998-J Key Performance Factors for the month ended November 30, 1999. 99.38. Series 1999-A Key Performance Factors for the month ended November 30, 1999. 99.39. Series 1999-B Key Performance Factors for the month ended November 30, 1999. 99.40. Series 1999-D Key Performance Factors for the month ended November 30, 1999. 99.41. Series 1999-E Key Performance Factors for the month ended November 30, 1999. 99.42. Series 1999-G Key Performance Factors for the month ended November 30, 1999. 99.43. Series 1999-H Key Performance Factors for the month ended November 30, 1999. 99.44. Series 1999-I Key Performance Factors for the month ended November 30, 1999. 99.45. Series 1999-J Key Performance Factors for the month ended November 30, 1999. 99.46. Series 1999-L Key Performance Factors for the month ended November 30, 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: December 14, 1999 MBNA AMERICA BANK, NATIONAL ASSOCIATION By: /s/Jack Fioravanti ---------------------------------- Name: Jack Fioravanti Title: Senior Vice President