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March 1999
MONTHLY CERTIFICATEHOLDER'S STATEMENT
FLEET BANK (RI), NATIONAL ASSOCIATION
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FLEET CREDIT CARD MASTER TRUST
Series 1993-4
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Under the Amended and Restated Master Pooling and Servicing Agreement, dated
as of April 1, 1992, (hereinafter as such agreement may have been or may be
from time to time, supplemented, amended or otherwise modified (the "Agree-
ment") by and between Fleet Bank (RI), National Association (the "Bank")
(successor in interest to Advanta National Bank ("Advanta")) as Seller and
Servicer, and The Chase Manhattan Bank as Trustee (the "Trustee"). The Bank
as servicer, is required to prepare certain information each month regarding
current distributions to all Investor Certificateholders of Series 1993-4
and the performance of the Fleet Credit Card Master Trust (the "Trust")
during the previous Monthly Period. The information which is required to be
prepared with respect to the distribution on the April 15, 1999, Payment
Date (the "Payment Date") and with respect to the performance of the Trust
during the Monthly Period for such Payment Date is set forth in the Certificate
prepared in accordance with Section 5.2(a) of the Agreement and additional
information specific to Series 1993-4 Certificates is set forth below in
accordance with section 4.2 of the Series 1993-4 Supplement to the
Agreement. Certain of the information is presented on the basis of an
original principal amount of $1,000 per Investor Certificate of Series 1993-4.
Certain other information is presented based on the aggregate amounts for the
Trust as a whole. All capitalized terms used herein shall have their
respective meanings set forth in the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of the Investor Certificates 100.452083
2. The amount of the distribution set forth in paragraph 1 above in
respect of principal, per $1,000 original principal amount of
the Investor Certificates 100.000000
3. The amount of distribution set forth in paragraph 1 above in
respect of interest, per $1,000 original principal amount of
the Investor Certificates 0.452083
4. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in respect
of the Investor Certificates $52,587,913.90
5. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated
in respect of the Investor Certificates $51,736,415.06
6. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Investor Certificates $749,304.42
7. The Investor Charged-Off Amount for the prior
Monthly Period is $287,661.65
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8. The aggregate amount of the Reduction Amounts for Series 1993-4
for the Monthly Period is $0.00
9 The aggregate amount of the Reduction Amounts for Series 1993-4
reimbursed on such Payment Date is $0.00
10. The amount of the Monthly Investor Servicing Fee for
the prior Monthly Period is $66,666.67
11. The Pool Factor as of the end of the last day of
the prior Monthly Period is 0.00
12. The amount, if any, by which the outstanding principal balance of
the Investor Certificates exceeds the Investor Amount as of
the end of the day on the Record Date with respect to
such Payment Date (after giving effect to any activity
on such Payment Date) is $0.00
13. The Investor Amount after giving effect to any
payments on such Payment Date is $0.00
14. The Invested Amount after giving effect to
payments on such Payment Date is $0.00
15. The Pre-Funded Amount after giving effect to payments
on such Payment Date is $0.00
16. The Cash Collateral Guaranty Amount as of the close
of business on the Payment Date is $9,000,000.00
17. The amount by which the Net Portfolio Yield for such
Monthly Period exceeds the Base Rate for the related
Investor Interest Period 9.49%
18. The aggregate existing Carryover Controlled Amortization
Amount with respect to Series 1993-4 (after giving
effect to any activity on such Payment Date) is $0.00
19. The Investor Percentage with respect to
Principal Receivables is 83.44%
and with respect to Finance Charge Receivables is 8.34%
20. The aggregate amount of Collections of Receivables
processed during the Monthly Period immediately
preceding the Payment Date with respect to the
Investor Certificates of all Series $71,573,043.68
21. The aggregate amount of average Receivables outstanding
during the Monthly Period immediately preceding
the Payment Date with respect to the Investor
Certificates of all Series $477,769,366.37
22. The aggregate amount of Principal Receivables as of the
end of the last day of the preceding Monthly Period
(which reflects the Principal Receivables represented
by the Exchangeable Seller's Certificate and by the
Investor Certificates of all Series). $454,944,004.58
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DELINQUENT BALANCES
The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:
AGGREGATE ACCOUNT BALANCE
(a) 30-59 days: .................... $7,521,412.03
(b) 60-89 days: .................... $4,540,470.48
(c) 90-119 days: ................... $3,816,987.25
(d) 120-149 days: .................. $3,041,091.90
(e) 150-179 days: .................. $2,781,609.95
(f) 180 or more days: .............. $549,575.18
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TOTAL $22,251,146.79
Fleet Bank (RI), National Association as Servicer
/s/ JOHN KIRBY BRAY
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By: John Kirby Bray
Executive Vice President and
Chief Financial Officer