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EXHIBIT 21
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Trust 1992 B
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CREDIT CARD
PASS-THROUGH CERTIFICATES
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Under the Pooling and Servicing Agreement dated as of Dec. 1, 1992
(the "Agreement") by and among Greenwood Trust Company (the "Servicer") ,
Discover Receivables Financing Group and Wilmington Trust Company, as Trustee,
the Servicer is required to prepare certain information each month regarding
current distributions to Investor Certificateholders and the performance of the
Trust during the previous month. The information which is required to be
prepared with respect to the distribution of February 17, 1998, and with
respect to the performance of the Trust during the Due Period ended in January
31, 1998 ,is set forth below. Certain of the information is presented on the
basis of an original principal amount of $1,000 per Class A Certificate. Certain
other information is presented based on the aggregate amounts for the Trust as a
whole.
Information Regarding the Current Monthly Distribution
(stated on the basis of $1,000 original principal amount).
1. The total amount of the distribution to Class A Certificate-
holders on February 17, 1998 , per $1,000 interest .....
........................................... $ 85.694444455
2. The total amount of the distribution to Class B Certificate-
holders on February 17, 1998 , per $1,000 interest .....
........................................... $ 6.250000000
3. The amount of the distribution set forth in paragraph 1 above
in respect of interest on the Class A Certificates , per
$1,000 interest ........................... $ 2.361111109
4. The amount of the distribution set forth in paragraph 2 above
in respect of interest on the Class B Certificates , per
$1,000 interest ........................... $ 6.250000000
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5. The amount of the distribution set forth in paragraph 1 above
in respect of principal on the Class A Certificates , per
$1,000 interest ........................... $ 83.333333345
6. The amount of the distribution set forth in paragraph 2 above
in respect of principal on the Class B Certificates , per
$1,000 interest ........................... $ 0.000000000
Information Regarding the Performance of the Trust.
1. Collections of Receivables.
(a) The aggregate amount of Finance Charge Collections processed
during the related Due Period .......... $ 11,747,403.26
(b) The aggregate amount of Principal Collections processed
during the related Due Period .......... $ 153,702,515.12
(c) The aggregate amount of Finance Charge Collections processed
during the related Due Period which was allocated in
respect of the Investor Certificates ... $ 3,895,438.92
(d) The aggregate amount of Principal Collections processed
during the related Due Period which was allocated in
respect of the Investor Certificates ... $ 117,797,607.58
(e) The aggregate amount of Finance Charge Collections processed
during the related Due Period which was allocated in
respect of the Class A Certificates .... $ 3,141,255.63
(f) The aggregate amount of Principal Collections processed
during the related Due Period which was allocated in
respect of the Class A Certificates .... $ 107,084,542.28
(g) The aggregate amount of Finance Charge Collections processed
during the related Due Period which was allocated in
respect of the Class B Certificates .... $ 754,183.29
(h) The aggregate amount of Principal Collections processed during
the related Due Period which was allocated in respect of the
Class B Certificates ................... $ 10,713,065.30
(i) The aggregate amount of Finance Charge Collections processed
during the related Due Period which was allocated in respect
of the Seller Certificate .............. $ 7,851,964.34
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(j) The aggregate amount of Principal Collections processed during
the related Due Period which was allocated in respect of the
Seller Certificate ..................... $ 35,904,907.54
2. Principal Receivables in the Trust.
(a) The aggregate amount of Principal Receivables in the Trust
as of the end of the Due Period ended in January 31, 1998
(which reflects the Principal Receivables represented by the
Seller Certificate and the Investor Certificates) .........
........................................ $ 816,808,168.45
(b) The amount of Principal Receivables in the Trust rep-
resented by the Class A Certificates (the "Class A
Interest") as of the Due Period Ended in January 31, 1998
........................................ $ 183,333,333.28
(c) The amount of Principal Receivables in the Trust rep-
resented by the Class B Certificates (the "Class B
Interest") as of the Due Period Ended in January 31, 1998
........................................ $ 55,000,000.00
(d) The Class A Interest and the Class B Interest set forth in
paragraph 2 (b) and 2 (c) above as a percentage of the
aggregate amount of Principal Receivables set forth in
paragraph 2 (a) above .................. 29.18%
(e) The Class A Interest set forth in paragraph 2 (b) above as a
percentage of the aggregate amount of Principal Receivables
set forth in paragraph 2 (a) above ..... 22.45%
(f) The Class B Interest set forth in paragraph 2 (c) above as a
percentage of the aggregate amount of Principal Receivables
set forth in paragraph 2 (a) above ..... 6.73%
(g) The Deficit Controlled Amortization Amount (after giving effect
to payments made on such Distribution Date) 0.00
3. Investor Charged-Off Amount.
(a) The aggregate amount of Receivables charged-off as uncolle-
ctible during the Due Period ended in January 31, 1998
allocable to the Investor Certificates (the "Investor
Charged-Off Amount") .................. $ 1,441,192.86
(b) The aggregate amount of Receivables charged-off as Uncolle-
ctible during the Due Period ended in January 31, 1998
allocable to the Class A Certificates (the "Class A
Charged-Off Amount") .................. $ 1,162,168.19
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(c) The sum of (i) the aggregate amount of Receivables charged-off
as uncollectible during the Due Period ended in January 31,
1998 allocable to the Class B Certficates and (ii) the sum of
(a) the positive difference, if any, between the Class B
Subordinated Payment and Class B Finance Charge Collections
(less Class B Excess Servicing) and (b) the amount by which
the Investor Interest for the Class B Certificates is reduced
pursuant to subsection 4.03(c) (i)(C)(the "Class B Charged-Off
Amount") ............................... $ 1,005,744.24
(d) The Cumulative Class A Charged-Off Amount on ..........
............ February 17, 1998 ........ $ 0.00
(e) The Cumulative Class B Charged-Off Amount on ..........
............ February 17, 1998 ........ $ 0.00
4. Investor losses; Reimbursement of Charge-Offs.
(a) The amount of Class A Investor Loss , as defined in
Section 4.06 (b) of the Agreement , during the Due Period
ended in January 31, 1998 ......... $ 0.00
(b) The amount of Class B Investor Loss , as defined in
Section 4.06 (b) of the Agreement , during the Due Period
ended in January 31, 1998 ......... $ 0.00
(c) The amount of Class A Investor Loss set forth in Paragraph 4
(a) above, per $1,000 interest ( which will have the effect
of reducing, pro rata, the amount of each Class A Certficate-
holder's investment) ................... $ 0.000000000
(d) The amount of Class B Investor Loss set forth in Paragraph 4
(b) above, per $1,000 interest ( which will have the effect
of reducing, pro rata, the amount of each Class B Certficate-
holder's investment) ................... $ 0.000000000
(e) The total amount reimbursed to the Trust in the current
month pursuant to Section 4.06 (c) of the Agreement,
if any, in respect of Class A Investor Losses in prior months
........................................ $ 0.00
(f) The total amount reimbursed to the Trust in the current
month pursuant to Section 4.06 (c) of the Agreement,
if any, in respect of Class B Investor Losses in prior months
........................................ $ 0.00
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(g) The amount set forth in paragraph 4 (e) above, per $1,000
interest (which will have the effect of increasing, pro rata,
the amount of each Class A Certificateholder's investment)
........................................ $ 0.000000000
(h) The amount set forth in paragraph 4 (f) above, per $1,000
interest (which will have the effect of increasing, pro rata,
the amount of each Class B Certificateholder's investment)
........................................ $ 0.000000000
(i) The aggregate amount of Class A Investor Losses in
the Trust as of the end of the day on February 17, 1998
........................................ $ 0.00
(j) The aggregate amount of Class B Investor Losses in
the Trust as of the end of the day on February 17, 1998
........................................ $ 0.00
(k) The amount set forth in paragraph 4 (i) above , per $1,000
interest (which will have had the effect of reducing , pro
rata , the amount of Class A Certificateholder's
investment ) ........................... $ 0.000000000
(l) The amount set forth in paragraph 4 (j) above , per $1,000
interest (which will have had the effect of reducing , pro
rata , the amount of Class B Certificateholder's
investment ) ........................... $ 0.000000000
5. Investor Servicing Fee.
(a) The amount of the Class A Monthly Servicing Fee payable by
the Trust to the Servicer for the month of January 31, 1998
..................................... $ 381,934.77
(b) The amount of the Class B Monthly Servicing Fee payable by
the Trust to the Servicer for the month of January 31, 1998
..................................... $ 91,698.62
6. Available Subordinated Amount.
(a) The amount available to be applied pursuant to Sections
4.03 (c) (i) (B) and (C) of the Agreement as of the end of
the day on February 17, 1998 ........ $ 55,000,000.00
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(b) The amount set forth in paragraph 7(a) above as a percentage of
the Class A Interest. .................... 30.00%
7. Available Class B Credit Enhancement Amount.
(a) The amount available to be drawn under the Class B Credit Enhancement
pursuant to Sections 4.03 (c) (i) (G) and (H) of the Agreement as of the
end of the day on February 17, 1998
.......................................... $ 30,250,000.00
(b) The amount set forth in paragraph 8(a) above as a percentage
of the Class B Interest. ................. 55.00%
8. The Pool Factor.
The Pool Factor represents the ratio of the amount of the
Class A Interest as of the end of the day on February 17, 1998
to the amount of the Class A Interest as of the Closing Date.
The amount of a Class A Certificateholder's pro rata share of
the Class A Interest can be determined by multiplying the
original denomination of the Class A Certificateholder's
Certificate by the Pool Factor ........... 0.33333333
The Pool Factor represents the ratio of the amount of the
Class B Interest as of the end of the day on February 17, 1998
to the amount of the Class B Interest as of the Closing Date.
The amount of a Class B Certificateholder's pro rata share of
the Class B Interest can be determined by multiplying the
original denomination of the Class B Certificateholder's
Certificate by the Pool Factor ........... 1.00000000
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9. The aggregate outstanding balance of receivables that were delinquent by 30
to 59 days as of the close of business on the last day of the Due Period
related to such Distribution Date
.............................. $19,137,010.62
10. The aggregate outstanding balance of receivables that were delinquent by 60
days or more as of the close of business on the last day of the Due Period
related to such Distribution Date
.............................. $28,163,162.55
Greenwood Trust Company as Servicer
By: ______________________________
Title: Vice President, Director of
Accounting and Treasurer
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MONTHLY SERVICER CERTIFICATE
DISCOVER CARD TRUST 1992 B
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CREDIT CARD
PASS-THROUGH CERTIFICATES
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The undersigned , a duly authorized representative of Greenwood Trust
Company ("Greenwood") , as Servicer pursuant to the Pooling and Servicing
Agreement dated as of Dec. 1, 1992 (the "Pooling and Servicing Agreement" ) by
and among Greenwood, Discover Receivables Financing Group and Wilmington Trust
Company , does hereby certify as follows:
1. Greenwood is Servicer under the Pooling and
Servicing Agreement.
2. The undersigned is a Servicing Officer.
3. The aggregate amount of Collections processed
during the related Due Period was equal to .. $ 165,449,918.38
4. The aggregate amount of Class A Principal
Collections processed by the Servicer during
the related Due Period is equal to .......... $ 107,084,542.28
5. The aggregate amount of the Class A Finance
Charge Collections processed by the Servicer
during the related Due Period is equal to ... $ 3,141,255.63
6. The sum of all amounts payable to the Class A
Certificateholders on the current Distribution
Date is equal to ............................ $ 47,131,944.45
7. The aggregate amount of Class B Principal
Collections processed by the Servicer during
the related Due Period is equal to .......... $ 10,713,065.30
8. The aggregate amount of the Class B Finance
Charge Collections processed by the Servicer
during the related Due Period is equal to .. $ 754,183.29
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9. The amount of drawings under the Class B
Credit Enhancement required to be made on the
(a) Section 4.03(c)(i)(G) is equal to...... $ 0.00
(b) Section 4.03(c)(i)(H) is equal to...... $ 0.00
(c) Section 4.05 is equal to............... $ 0.00
10. The sum of all amounts payable to the Class B
Certificateholders on the current Distribution
Date is equal to ............................ $ 343,750.00
11. Attached hereto is a true copy of the statement
required to be delivered by the Servicer on the
date of this Certificate to the Trustee
pursuant to section 5.02.
IN WITNESS WHEREOF , the undersigned has duly executed and
and delivered this certificate this day of February 17, 1998
GREENWOOD TRUST COMPANY, as Servicer
By: ______________________________
Title: Vice President, Director of
Accounting and Treasurer