1
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
--------------------------------------------
FLEET Credit Card Master Trust II
SERIES 1994-B
- ------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer,
and Bankers Trust Company as Trustee, (the "Trustee") as amended by Amendment
Number 1 dated as of July 1, 1994 between the Bank, as Seller and Servicer
and the Trustee and as further amended by Amendment Number 2 dated as of
October 6,1995 among the Bank as Seller and Servicer, and the Trustee
(the "Master Pooling and Servicing Agreement") as Supplemented by the
Series 1994-B Supplement dated as of July 19, 1994 (the
"Supplement") and together with the Master Pooling and Servicing Agreement
(the "Agreement") between the Bank and the Trustee, the Bank, as Servicer
is required to prepare certain information each month regarding current
distributions to all Series 1994-B Certificateholders. This statement
relates to the March 16, 1998 Distribution Date (the "Distribution
Date") and the performance of the FLEET Credit Card Master Trust II (the
"Trust") during the prior Monthly Period (the "Monthly Period"). Certain of
the information is presented on the basis of an original principal amount of
$1,000 per Series 1994-B Certificate. Certain other information is
presented based on the aggregate amounts for the Trust as a whole. All
capitalized terms used herein shall have the respective meanings set forth in
the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $4.428750
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $4.616250
3. The amount of the distribution set forth in paragraph 1 above in
respect of principal, per $1,000 original principal amount of the
Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2 above in
respect of principal, per $1,000 original principal amount of the
Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1 above in
respect of interest, per $1,000 principal principal amount
of the Class A Certificate $4.428750
6. The amount of distribution set forth in paragraph 2 above in
respect of interest, per $1,000 principal principal amount
of the Class B Certificate $4.616250
2
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in respect
of the Series 1994-B Certificates $83,679,176.03
8. The aggregate amount of Collections of Principal Receivables processed
during the prior Monthly Period and allocated in respect
of the Series 1994-B Certificates $71,829,758.80
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $10,429,430.77
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $473,328.82
12. The Class A Investor Default Amount for the prior
Monthly Period is $3,776,203.97
13. The Class B Investor Default Amount for the prior
Monthly Period is $171,258.76
14. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
15. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class A Investor Charge-offs
reimbursed on the Distribution Date is $0.00
17. The aggregate amount of Class B Investor Charge-offs
reimbursed on the Distribution Date is $0.00
18. The amount of the Class A Servicing Fee for the prior
Monthly Period is $1,100,000.00
19. The amount of the Class B Servicing Fee for the prior
Monthly Period is $50,000.00
20. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
21. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
3
22. The Class A Investor Amount after giving effect to
any payments on the Distribution Date is $660,000,000.00
23. The Class A Invested Amount after giving effect to
any payments on the Distribution Date is $660,000,000.00
24. The Class B Investor Amount after giving effect to
any payments on the Distribution Date is $30,000,000.00
25. The Class B Invested Amount after giving effect to
any payments on the Distribution Date is $30,000,000.00
26. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
27. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
28. The Available Cash Collateral Amount as of the close
of business on the Distribution Date is $15,000,000.00
29. The Collateral Investor Amount as of the close of
business on the Distribution Date is $60,000,000.00
30. The Available Enhancement Amount as of the close of
business on the Distribution Date $75,000,000.00
31. The amount of Interchange with respect to the prior
Monthly Period is $937,500.00
32. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
33. The percentage by which the Net Portfolio Yield for the prior Monthly
Period exceeds the Base Rate for such Monthly Period is 4.75%
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:--------------------------
Michael Coco
Vice President
4
Series 1994-B daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1994-B 8.00% 8.00%
02/13 - 02/28 1994-B 7.52% 7.52%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
5
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
--------------------------------------------
FLEET Credit Card Master Trust II
SERIES 1995-A
- ------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer,
and Bankers Trust Company as Trustee, (the "Trustee") as amended by Amendment
Number 1 dated as of July 1, 1994 between the Bank, as Seller and Servicer
and the Trustee and as further amended by Amendment Number 2 dated as of
October 6,1995 among the Bank as Seller and Servicer, and the Trustee
(the "Master Pooling and Servicing Agreement") as Supplemented by the
Series 1995-A Supplement dated as of January 18, 1995 (the
"Supplement") and together with the Master Pooling and Servicing Agreement
(the "Agreement") between the Bank and the Trustee, the Bank, as Servicer
is required to prepare certain information each month regarding current
distributions to all Series 1995-A Certificateholders. This statement
relates to the March 16, 1998 Distribution Date (the "Distribution
Date") and the performance of the FLEET Credit Card Master Trust II (the
"Trust") during the prior Monthly Period (the "Monthly Period"). Certain of
the information is presented on the basis of an original principal amount of
$1,000 per Series 1995-A Certificate. Certain other information is
presented based on the aggregate amounts for the Trust as a whole. All
capitalized terms used herein shall have the respective meanings set forth in
the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $4.353750
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $4.500000
3. The amount of the distribution set forth in paragraph 1 above in
respect of principal, per $1,000 original principal amount of the
Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2 above in
respect of principal, per $1,000 original principal amount of the
Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1 above in
respect of interest, per $1,000 principal principal amount
of the Class A Certificate $4.353750
6. The amount of distribution set forth in paragraph 2 above in
respect of interest, per $1,000 principal principal amount
of the Class B Certificate $4.500000
6
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in respect
of the Series 1995-A Certificates $77,977,894.29
8. The aggregate amount of Collections of Principal Receivables processed
during the prior Monthly Period and allocated in respect
of the Series 1995-A Certificates $67,061,182.61
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $9,333,986.49
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $542,916.14
12. The Class A Investor Default Amount for the prior
Monthly Period is $3,423,812.99
13. The Class B Investor Default Amount for the prior
Monthly Period is $199,347.83
14. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
15. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class A Investor Charge-offs
reimbursed on the Distribution Date is $0.00
17. The aggregate amount of Class B Investor Charge-offs
reimbursed on the Distribution Date is $0.00
18. The amount of the Class A Servicing Fee for the prior
Monthly Period is $997,500.00
19. The amount of the Class B Servicing Fee for the prior
Monthly Period is $58,333.33
20. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
21. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
7
22. The Class A Investor Amount after giving effect to
any payments on the Distribution Date is $598,500,000.00
23. The Class A Invested Amount after giving effect to
any payments on the Distribution Date is $598,500,000.00
24. The Class B Investor Amount after giving effect to
any payments on the Distribution Date is $35,000,000.00
25. The Class B Invested Amount after giving effect to
any payments on the Distribution Date is $35,000,000.00
26. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
27. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
28. The Available Cash Collateral Amount as of the close
of business on the Distribution Date is $7,000,000.00
29. The Collateral Investor Amount as of the close of
business on the Distribution Date is $66,500,000.00
30. The Available Enhancement Amount as of the close of
business on the Distribution Date $73,500,000.00
31. The amount of Interchange with respect to the prior
Monthly Period is $729,166.66
32. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
33. The percentage by which the Net Portfolio Yield for the prior Monthly
Period exceeds the Base Rate for such Monthly Period is 4.58%
8
34. The Net Portfolio Yield for the prior Monthly Period is 11.85%
35. The Base Rate for the Monthly Period is 7.27%
36. The aggregate amount of Principal Receivables as of the
last day of the prior Monthly Period is $9,788,022,885.60
37. The Excess Funding Amount as of the last day of the
prior Monthly Period is $0.00
38. The aggregate amount of Finance Charge Receivables as
of the last day of the prior Monthly Period is $219,553,939.40
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:--------------------------
Michael Coco
Vice President
9
Series 1995-A daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1995-A 7.47% 7.47%
02/13 - 02/28 1995-A 7.02% 7.02%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
10
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
--------------------------------------------
FLEET Credit Card Master Trust II
SERIES 1995-C
- ------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer,
and Bankers Trust Company as Trustee, (the "Trustee") as amended by Amendment
Number 1 dated as of July 1, 1994 between the Bank, as Seller and Servicer
and the Trustee and as further amended by Amendment Number 2 dated as of
October 6,1995 among the Bank as Seller and Servicer, and the Trustee
(the "Master Pooling and Servicing Agreement") as Supplemented by the
Series 1995-C Supplement dated as of April 27, 1995 (the
"Supplement") and together with the Master Pooling and Servicing Agreement
(the "Agreement") between the Bank and the Trustee, the Bank, as Servicer
is required to prepare certain information each month regarding current
distributions to all Series 1995-C Certificateholders. This statement
relates to the March 16, 1998 Distribution Date (the "Distribution
Date") and the performance of the FLEET Credit Card Master Trust II (the
"Trust") during the prior Monthly Period (the "Monthly Period"). Certain of
the information is presented on the basis of an original principal amount of
$1,000 per Series 1995-C Certificate. Certain other information is
presented based on the aggregate amounts for the Trust as a whole. All
capitalized terms used herein shall have the respective meanings set forth in
the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $15.514236
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $15.868125
3. The amount of the distribution set forth in paragraph 1 above in
respect of principal, per $1,000 original principal amount of the
Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2 above in
respect of principal, per $1,000 original principal amount of the
Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1 above in
respect of interest, per $1,000 principal principal amount
of the Class A Certificate $15.514236
6. The amount of distribution set forth in paragraph 2 above in
respect of interest, per $1,000 principal principal amount
of the Class B Certificate $15.868125
11
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in respect
of the Series 1995-C Certificates $64,005,121.83
8. The aggregate amount of Collections of Principal Receivables processed
during the prior Monthly Period and allocated in respect
of the Series 1995-C Certificates $55,027,508.07
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $7,633,909.65
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $535,447.80
12. The Class A Investor Default Amount for the prior
Monthly Period is $2,794,956.10
13. The Class B Investor Default Amount for the prior
Monthly Period is $195,092.18
14. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
15. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class A Investor Charge-offs
reimbursed on the Distribution Date is $0.00
17. The aggregate amount of Class B Investor Charge-offs
reimbursed on the Distribution Date is $0.00
18. The amount of the Class A Servicing Fee for the prior
Monthly Period is $814,583.33
19. The amount of the Class B Servicing Fee for the prior
Monthly Period is $57,500.00
20. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
21. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
12
22. The Class A Investor Amount after giving effect to
any payments on the Distribution Date is $488,750,000.00
23. The Class A Invested Amount after giving effect to
any payments on the Distribution Date is $488,750,000.00
24. The Class B Investor Amount after giving effect to
any payments on the Distribution Date is $34,500,000.00
25. The Class B Invested Amount after giving effect to
any payments on the Distribution Date is $34,500,000.00
26. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
27. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
28. The Available Cash Collateral Amount as of the close
of business on the Distribution Date is $8,625,000.00
29. The Collateral Investor Amount as of the close of
business on the Distribution Date is $51,750,000.00
30. The Available Enhancement Amount as of the close of
business on the Distribution Date $60,375,000.00
31. The amount of Interchange with respect to the prior
Monthly Period is $598,958.33
32. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
33. The percentage by which the Net Portfolio Yield for the prior Monthly
Period exceeds the Base Rate for such Monthly Period is 4.34%
13
34. The Net Portfolio Yield for the prior Monthly Period is 11.88%
35. The Base Rate for the Monthly Period is 7.54%
36. The aggregate amount of Principal Receivables as of the
last day of the prior Monthly Period is $9,788,022,885.60
37. The Excess Funding Amount as of the last day of the
prior Monthly Period is $0.00
38. The aggregate amount of Finance Charge Receivables as
of the last day of the prior Monthly Period is $219,553,939.40
39. The amount on deposit in the Pre-Funding Account as of
the close of business on the Distribution Date is $0.00
40. The amount on deposit in the Principal Funding Account as of
the close of business on the Distribution Date is $0.00
41. The amount on deposit in the Interest Funding Account as of
the close of business on the Distribution Date is $0.00
42. The amount on deposit in the Reserve Account as of the
close of business on the Distribution Date is $0.00
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:--------------------------
Michael Coco
Vice President
14
Series 1995-C daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1995-C 6.13% 6.13%
02/13 - 02/28 1995-C 5.76% 5.76%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
15
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
-----------------------------------------
FLEET Credit Card
Master Trust II
Series 1995-D
- ------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23,1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer,
and Bankers Trust Company, as Trustee (the "Trustee") as amended by Amendment
Number 1 dated as of July 1, 1994 between the Bank, as Seller and Servicer and
the Trustee and as further amended by Amendment Number 2 dated as of
October 6,1995 among the Bank, as Seller and Servicer and the Trustee (the
"Master Pooling and Servicing Agreement") as supplemented by the Series
1995-D Supplement dated as of July 25, 1995 (the "Supplement")
and together with the Master Pooling and Servicing Agreement (the "Agreement")
between the Bank and the Trustee, the Bank as Servicer is required to prepare
certain information each month regarding current distributions to all Series
1995-D Certificateholders. This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the
FLEET Credit Card Master Trust II (the "Trust") during the prior Monthly
Period (the "Monthly Period"). Certain of the information is presented on the
basis of an original principal amount of $1,000 per Series 1995-D
Certificate. Certain other information is presented based on the aggregate
amounts for the Trust as a whole. All capitalized terms used herein shall
have the respective meanings set forth in the Master Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $4.361250
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $4.458750
3. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original principal
amount of the Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2
above in respect of principal, per $1,000 original principal
amount of the Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1 above
in respect of interest, per $1,000 principal principal
amount of the Class A Certificate $4.361250
6. The amount of distribution set forth in paragraph 2 above
in respect of interest, per $1,000 principal principal
amount of the Class B Certificate $4.458750
16
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in respect
of the Series 1995-D Certificates $66,780,633.07
8. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated in
respect of the Series 1995-D Certificates $57,430,958.26
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $8,882,595.99
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $467,078.82
12. The Class A Investor Default Amount for the prior
Monthly Period is $3,258,172.05
13. The Class B Investor Default Amount for the prior
Monthly Period is $171,258.76
14. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
15. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class A Investor Charge-offs
reimbursed on such Payment Date is $0.00
17. The aggregate amount of Class B Investor Charge-offs
reimbursed on such Payment Date is $0.00
18. The amount of the Class A Servicing Fee for the prior
Monthly Period is $950,000.00
19. The amount of the Class B Servicing Fee for the prior
Monthly Period is $50,000.00
20. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
21. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
17
22. The Class A Investor Amount after giving effect to any
payments on the Distribution Date is $570,000,000.00
23. The Class A Invested Amount after giving effect to any
payments on the Distribution Date is $570,000,000.00
24. The Class A-1 Invested Amount after giving effect to any
payments on the Distribution Date is $519,000,000.00
25. The Class A-2 Invested Amount after giving effect to any
payments on the Distribution Date is $51,000,000.00
25. The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $30,000,000.00
26. The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $30,000,000.00
27. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
28. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
29. The Available Cash Collateral Amount as of the close of
business on the Distribution Date is $63,000,000.00
29. The amount on deposit in the Cash Collateral Account (including
the principal balance of the Class A-2 Certificates as of
the close of business on the Distribution Date $63,000,000.00
30. The amount of Interchange with respect to the prior
Monthly Period is $625,000.00
31. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
32. The percentage by which the Net Portfolio Yield for the prior Monthly
Period exceeds the Base Rate for such Monthly Period is 4.60%
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:---------------------------------------
Michael Coco
Vice President
18
Series 1995-D daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1995-D 6.40% 6.40%
02/13 - 02/28 1995-D 6.01% 6.01%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
19
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
------------------------------------------
FLEET Credit Card
Master Trust II
Series 1995-F
- ---------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer
and Bankers Trust Company, as Trustee (the "Trustee"), as amended by
Amendment Number 1 dated as of July 1, 1994 between the Bank as Seller and
Servicer, and the Trustee, and as further amended by Amendment Number 2 dated
as of October 6, 1995 among the Bank, as Seller and Servicer, and the Trustee
(the "Master Pooling and Servicing Agreement") as supplemented by the Series
1995-F Supplement dated as of November 21, 1995 (the "Supplement") and together
with the Master Pooling and Servicing Agreement, (the "Agreement"), among the
Bank and the Trustee. The Bank, as Servicer is requried to prepare certain
information each month regarding current distributions to all Series 1995-F
Certificateholders. This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance
of the FLEET Credit Card Master Trust II (the "Trust") during
the prior Monthly Period (the "Monthly Period"). Certain of the
information is presented on the basis of an original principal amount of
$1,000 per Series 1995-F Certificate. Certain other information is presented
based on the aggregate amounts for the Trust as a whole. All capitalized terms
used herein shall have the respective meanings set forth in the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A-1 Certificates $5.041667
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A-2 Certificates $4.361250
3. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $4.443750
4. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A-1 Certificates $0.000000
5. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A-2 Certificates $0.000000
6. The amount of the distribution set forth in paragraph 2
above in respect of principal, per $1,000 original
principal amount of the Class B Certificates $0.000000
20
7. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A-1 Certificate $5.041667
8. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A-2 Certificate $4.361250
9. The amount of distribution set forth in paragraph 2
above in respect of interest, per $1,000 principal
principal amount of the Class B Certificate $4.443750
10. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in respect
of the Series 1995-F Certificates $94,657,341.04
11. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated in
respect of the Series 1995-F Certificates $81,405,235.18
12. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
13. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $11,790,720.34
14. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $700,227.61
15. The Class A Investor Default Amount for the prior
Monthly Period is $4,325,049.29
16. The Class B Investor Default Amount for the prior
Monthly Period is $256,888.14
17. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
18. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
19. The aggregate amount of Class A Investor Charge-offs
reimbursed on such Payment Date is $0.00
20. The aggregate amount of Class B Investor Charge-offs
reimbursed on such Payment Date is $0.00
21
21. The amount of the Class A Servicing Fee for the prior
Monthly Period is $630,416.66
22. The amount of the Class B Servicing Fee for the prior
Monthly Period is $37,187.50
23. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
24. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
25. The Class A-1 Investor Amount after giving effect to any
payments on the Distribution Date is $378,250,000.00
26. The Class A-2 Investor Amount after giving effect to any
payments on the Distribution Date is $378,250,000.00
27. The Class A-1 Invested Amount after giving effect to any
payments on the Distribution Date is $378,250,000.00
28. The Class A-2 Invested Amount after giving effect to any
payments on the Distribution Date is $378,250,000.00
29. The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $44,625,000.00
30. The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $44,625,000.00
31. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
32. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
33. The Available Cash Collateral Amount as of the close of
business on the Distribution Date is $17,000,000.00
34. The Collateral Investor Amount as of the close of business
on the Distribution Date is $48,875,000.00
22
35. The amount on deposit in the Cash Collateral Account as of
the close of business on the Distribution Date is $17,000,000.00
36. The Available Enhancement Amount as of the close of
business on the Distribution Date is $65,875,000.00
37. The amount of Interchange with respect to the prior
Monthly Period is $885,416.68
38. The amount of Servicer Interchange with respect to the
prior Monthly Period is $708,333.34
39. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
40. The percentage by which the Net Portfolio Yield for the prior Monthly
Period exceeds the Base Rate for such Monthly Period is 4.23%
41. The Net Portfolio Yield for the prior Monthly Period is 11.85%
42. The Base Rate for the Monthly Period is 7.62%
43. The aggregate amount of Principal Receivables as of the
last day of the prior Monthly Period is $9,788,022,885.60
44. The Excess Funding Amount as of the last day of the
prior Monthly Period is $0.00
45. The aggregate amount of Finance Charge Receivables as of
the last day of the prior Monthly Period is $219,553,939.40
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:-------------------------------------
Michael Coco
Vice President
23
Series 1995-F daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1995-F 9.07% 9.07%
02/13 - 02/28 1995-F 8.52% 8.52%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
24
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
-----------------------------------------------
FLEET Credit Card
Series 1995-G
- -------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1995-G Supplement dated as of December 15, 1995
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1995-G
Certificateholders. This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period"). Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1995-G Certificate. Certain
other information is presented based on the aggregate amounts for the Trust as
a whole. All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $4.323750
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $4.436250
3. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2
above in respect of principal, per $1,000 original
principal amount of the Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A Certificate $4.323750
6. The amount of distribution set forth in paragraph 2
above in respect of interest, per $1,000 principal
principal amount of the Class B Certificate $4.436250
25
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in
respect of the Series 1995-G Certificates $55,646,218.08
8. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated in
respect of the Series 1995-G Certificates $47,855,481.84
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $6,735,759.73
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $430,195.58
12. The Class A Investor Default Amount for the prior
Monthly Period is $2,470,654.19
13. The Class B Investor Default Amount for the prior
Monthly Period is $158,660.96
14. The Collateral Default Amount for the prior
Monthly Period is $228,799.07
15. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
17. The aggregate amount of Collateral Charge-offs for
the prior Monthly Period is $0.00
18. The aggregate amount of Class A Investor Charge-offs
reimbursed on such Payment Date is $0.00
19. The aggregate amount of Class B Investor Charge-offs
reimbursed on such Payment Date is $0.00
20. The aggregate amount of Collateral Charge-offs
reimbursed on such Payment Date is $0.00
26
21. The amount of the Class A Servicing Fee for the prior
Monthly Period is $360,416.67
22. The amount of the Class B Servicing Fee for the prior
Monthly Period is $22,916.67
23. The amount of the Collateral Servicing Fee for the
prior Monthly Period is $33,333.34
24. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
25. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
26. The Class A Investor Amount after giving effect to any
payments on the Distribution Date is $432,500,000.00
27. The Class A Invested Amount after giving effect to any
payments on the Distribution Date is $432,500,000.00
28. The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $27,500,000.00
29. The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $27,500,000.00
30. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is 0.00
31. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
any activity on the Distribution Date is 0.00
32. The Available Cash Collateral Amount as of the close of
business on the Distribution Date is $10,000,000.00
33. The Collateral Investor Amount as of the close of
business on the Distribution Date is $40,000,000.00
27
34. The amount on deposit in the Cash Collateral Account as of
the close of business on the Distribution Date is $10,000,000.00
35. The amount of Interchange with respect to the prior
Monthly Period is $520,833.33
36. The amount of Servicer Interchange for the prior
Monthly Period is $416,666.66
37. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
38. The percentage by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period is 4.62%
39. The Net Portfolio Yield for the prior Monthly Period is 11.84%
40. The Base Rate for the Monthly Period is 7.22%
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:------------------------------------------
Michael Coco
Vice President
28
Series 1995-G daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1995-G 5.33% 5.33%
02/13 - 02/28 1995-G 5.01% 5.01%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
29
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
-------------------------------------------
FLEET Credit Card
Master Trust II
Series 1996-A
- -----------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 31, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the"Bank") as Seller and Servicer
and Bankers Trust Company as Trustee (the "Trustee"), as amended by Amendment
Number 1 dated as of July 1, 1994, by and between the Bank, as Seller and
Servicer, and the Trustee, and as further amended by Amendment Number 2
dated as of October 6, 1995 among the Bank, as Seller and Servicer, and
the Trustee (the "Master Pooling and Servicing Agreement") as supplemented
by the Series 1996-A Supplement dated as of January 18, 1996 (the
"Supplement") and together with the Master Pooling and Servicing Agreement,
(the "Agreement"), among the Bank and the Trustee. The Bank, as Servicer,
is required to prepare certain information each month regarding current
distributions to all Series 1996-A Certificateholders. This
statement relates to the March 16, 1998 Distribution Date (the
"Distribution Date") and the performance of the FLEET Credit
Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period") Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-A Certificate. Certain
other information is presented based on the aggregate amounts for the Trust as
a whole. All capitalized terms used herein shall have the respective meanings
set forth in the Master Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A-1 Certificates $5.000000
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A-2 Certificates $4.391250
3. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $4.481250
4. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A-1 Certificates $0.000000
5. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A-2 Certificates $0.000000
6. The amount of the distribution set forth in paragraph 2
above in respect of principal, per $1,000 original
principal amount of the Class B Certificates $0.000000
30
7. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A-1 Certificate $5.000000
8. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A-2 Certificate $4.391250
9. The amount of distribution set forth in paragraph 2
above in respect of interest, per $1,000 principal
principal amount of the Class B Certificate $4.481250
10. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in
respect of the Series 1996-A Certificates $55,646,218.08
11. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated
in respect of the Series 1996-A Certificates $47,855,481.82
12. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
13. The aggregate amount of Collections of Finance Charge
Receivables processed during the prior Monthly Period and
allocated in respect of the Class A Certificates $6,856,578.59
14. The aggregate amount of Collections of Finance Charge
Receivables processed during the prior Monthly Period and
allocated in respect of the Class B Certificates $406,669.40
15. The Class A Investor Default Amount for the prior
Monthly Period is $2,515,596.71
16. The Class B Investor Default Amount for the prior
Monthly Period is $148,787.50
17. The Collateral Default Amount for the prior
Monthly Period is $193,730.01
18. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
19. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
20. The aggregate amount of Collateral Charge-offs
for the prior Monthly Period is $0.00
21. The aggregate amount of Class A Investor Charge-offs
reimbursed on such Payment Date is $0.00
22. The aggregate amount of Class B Investor Charge-offs
reimbursed on such Payment Date is $0.00
31
23. The aggregate amount of Collateral Charge-offs
reimbursed on such Payment Date is $0.00
24. The amount of the Class A Servicing Fee for the
prior Monthly Period is $183,333.33
25. The amount of the Class B Servicing Fee for the
prior Monthly Period is $10,937.50
26. The amount of the Collateral Servicing Fee for the
prior Monthly Period is $14,062.50
27. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000
28. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000
29. The Class A-1 Investor Amount after giving effect to
any payments on the Distribution Date is $220,000,000.00
30. The Class A-2 Investor Amount after giving effect to
any payments on the Distribution Date is $220,000,000.00
31. The Class A-1 Invested Amount after giving effect to
any payments on the Distribution Date is $220,000,000.00
32. The Class A-2 Invested Amount after giving effect to
any payments on the Distribution Date is $220,000,000.00
33. The Class B Investor Amount after giving effect to
any payments on the Distribution Date is $26,250,000.00
34. The Class B Invested Amount after giving effect to
any payments on the Distribution Date is $26,250,000.00
35. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
36. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
on the Distribution Date is $0.00
37. The Available Cash Collateral Amount as of the close of
business on the Distribution Date is $10,000,000.00
38. The Collateral Investor Amount as of the close of
business on the Distribution Date is $33,750,000.00
32
39. The amount on deposit in the Cash Collateral Account as of
the close of business on the Distribution Date is $10,000,000.00
40. The amount of Interchange with respect to the prior
Monthly Period is $520,833.34
41. The amount of Servicer Interchange with respect to
the prior Monthly Period is $416,666.67
42. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
43. The percentage by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period is 4.22%
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By: -----------------------------------
Michael Coco
Vice President
33
Series 1996-A daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1996-A 5.33% 5.33%
02/13 - 02/28 1996-A 5.01% 5.01%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
34
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
-----------------------------------------------
FLEET Credit Card
Master Trust II
Series 1996-B
- -------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1996-B Supplement dated as of March 26, 1996
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1996-B
Certificateholders. This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period"). Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-B Certificate. Certain
other information is presented based on the aggregate amounts for the Trust as
a whole. All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $15.590069
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $15.956597
3. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2
above in respect of principal, per $1,000 original
principal amount of the Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A Certificate $15.590069
6. The amount of distribution set forth in paragraph 2
above in respect of interest, per $1,000 principal
principal amount of the Class B Certificate $15.956597
35
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in
respect of the Series 1996-B Certificates $83,548,340.05
8. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated in
respect of the Series 1996-B Certificates $71,829,758.81
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $10,132,685.59
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $649,704.89
12. The Class A Investor Default Amount for the prior
Monthly Period is $3,708,790.20
13. The Class B Investor Default Amount for the prior
Monthly Period is $238,672.52
14. The Collateral Default Amount for the prior
Monthly Period is $342,517.52
15. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
17. The aggregate amount of Collateral Charge-offs for
the prior Monthly Period is $0.00
18. The aggregate amount of Class A Investor Charge-offs
reimbursed on such Payment Date is $0.00
19. The aggregate amount of Class B Investor Charge-offs
reimbursed on such Payment Date is $0.00
20. The aggregate amount of Collateral Charge-offs
reimbursed on such Payment Date is $0.00
36
21. The amount of the Class A Servicing Fee for the prior
Monthly Period is $270,312.50
22. The amount of the Class B Servicing Fee for the prior
Monthly Period is $17,187.50
23. The amount of the Collateral Servicing Fee for the
prior Monthly Period is $25,000.00
24. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
25. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
26. The Class A Investor Amount after giving effect to any
payments on the Distribution Date is $648,750,000.00
27. The Class A Invested Amount after giving effect to any
payments on the Distribution Date is $648,750,000.00
28. The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $41,250,000.00
29. The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $41,250,000.00
30. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is 0.00
31. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
any activity on the Distribution Date is 0.00
32. The Available Cash Collateral Amount as of the close of
business on the Distribution Date is $15,000,000.00
33. The Collateral Investor Amount as of the close of
business on the Distribution Date is $60,000,000.00
37
34. The amount on deposit in the Cash Collateral Account as of
the close of business on the Distribution Date is $15,000,000.00
35. The amount of Interchange with respect to the prior
Monthly Period is $781,250.00
36. The amount of Servicer Interchange for the prior
Monthly Period is $625,000.00
37. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
38. The percentage by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period is 4.33%
39. The Net Portfolio Yield for the prior Monthly Period is 11.89%
40. The Base Rate for the Monthly Period is 7.56%
41. The amount on deposit in the Principal Funding Account as of
the close of business on the Distribution Date is $0.00
42. The amount on deposit in the Interest Funding Account as of
the close of business on the Distribution Date is $0.00
43. The amount on deposit in the Reserve Account as of the
close of business on the Distribution Date is $0.00
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:------------------------------------------
Michael Coco
Vice President
38
Series 1996-B daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1996-B 8.00% 8.00%
02/13 - 02/28 1996-B 7.52% 7.52%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
39
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
-----------------------------------------------
FLEET Credit Card
Master Trust II
Series 1996-C
- -------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1996-C Supplement dated as of May 13, 1996
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1996-C
Certificateholders. This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period"). Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-C Certificate. Certain
other information is presented based on the aggregate amounts for the Trust as
a whole. All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $15.312014
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $15.640625
3. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2
above in respect of principal, per $1,000 original
principal amount of the Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A Certificate $15.312014
6. The amount of distribution set forth in paragraph 2
above in respect of interest, per $1,000 principal
principal amount of the Class B Certificate $15.640625
40
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in
respect of the Series 1996-C Certificates $78,003,337.98
8. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated in
respect of the Series 1996-C Certificates $67,061,182.64
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $9,462,167.51
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $604,464.57
12. The Class A Investor Default Amount for the prior
Monthly Period is $3,463,137.69
13. The Class B Investor Default Amount for the prior
Monthly Period is $221,819.08
14. The Collateral Default Amount for the prior
Monthly Period is $320,046.26
15. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
17. The aggregate amount of Collateral Charge-offs for
the prior Monthly Period is $0.00
18. The aggregate amount of Class A Investor Charge-offs
reimbursed on such Payment Date is $0.00
19. The aggregate amount of Class B Investor Charge-offs
reimbursed on such Payment Date is $0.00
20. The aggregate amount of Collateral Charge-offs
reimbursed on such Payment Date is $0.00
41
21. The amount of the Class A Servicing Fee for the prior
Monthly Period is $252,291.67
22. The amount of the Class B Servicing Fee for the prior
Monthly Period is $16,041.67
23. The amount of the Collateral Servicing Fee for the
prior Monthly Period is $23,333.33
24. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
25. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
26. The Class A Investor Amount after giving effect to any
payments on the Distribution Date is $605,500,000.00
27. The Class A Invested Amount after giving effect to any
payments on the Distribution Date is $605,500,000.00
28. The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $38,500,000.00
29. The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $38,500,000.00
30. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is 0.00
31. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
any activity on the Distribution Date is 0.00
32. The Available Cash Collateral Amount as of the close of
business on the Distribution Date is $14,000,000.00
33. The Collateral Investor Amount as of the close of
business on the Distribution Date is $56,000,000.00
42
34. The amount on deposit in the Cash Collateral Account as of
the close of business on the Distribution Date is $14,000,000.00
35. The amount of Interchange with respect to the prior
Monthly Period is $729,166.67
36. The amount of Servicer Interchange for the prior
Monthly Period is $583,333.34
37. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
38. The percentage by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period is 4.40%
39. The Net Portfolio Yield for the prior Monthly Period is 11.89%
40. The Base Rate for the Monthly Period is 7.49%
41. The amount on deposit in the Principal Funding Account as of
the close of business on the Distribution Date is $0.00
42. The amount on deposit in the Interest Funding Account as of
the close of business on the Distribution Date is $0.00
43. The amount on deposit in the Reserve Account as of the
close of business on the Distribution Date is $0.00
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:------------------------------------------
Michael Coco
Vice President
43
Series 1996-C daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1996-C 7.47% 7.47%
02/13 - 02/28 1996-C 7.02% 7.02%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
44
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
-----------------------------------------------
FLEET Credit Card
Master Trust II
Series 1996-D
- -------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1996-D Supplement dated as of June 18, 1996
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1996-D
Certificateholders. This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period"). Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-D Certificate. Certain
other information is presented based on the aggregate amounts for the Trust as
a whole. All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $4.331250
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $4.443750
3. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2
above in respect of principal, per $1,000 original
principal amount of the Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A Certificate $4.331250
6. The amount of distribution set forth in paragraph 2
above in respect of interest, per $1,000 principal
principal amount of the Class B Certificate $4.443750
45
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in
respect of the Series 1996-D Certificates $77,977,894.32
8. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated in
respect of the Series 1996-D Certificates $67,061,182.64
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $9,440,158.74
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $603,065.17
12. The Class A Investor Default Amount for the prior
Monthly Period is $3,463,137.69
13. The Class B Investor Default Amount for the prior
Monthly Period is $221,819.08
14. The Collateral Default Amount for the prior
Monthly Period is $320,046.26
15. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
17. The aggregate amount of Collateral Charge-offs for
the prior Monthly Period is $0.00
18. The aggregate amount of Class A Investor Charge-offs
reimbursed on such Payment Date is $0.00
19. The aggregate amount of Class B Investor Charge-offs
reimbursed on such Payment Date is $0.00
20. The aggregate amount of Collateral Charge-offs
reimbursed on such Payment Date is $0.00
46
21. The amount of the Class A Servicing Fee for the prior
Monthly Period is $252,291.67
22. The amount of the Class B Servicing Fee for the prior
Monthly Period is $16,041.67
23. The amount of the Collateral Servicing Fee for the
prior Monthly Period is $23,333.33
24. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
25. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
26. The Class A Investor Amount after giving effect to any
payments on the Distribution Date is $605,500,000.00
27. The Class A Invested Amount after giving effect to any
payments on the Distribution Date is $605,500,000.00
28. The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $38,500,000.00
29. The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $38,500,000.00
30. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is 0.00
31. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
any activity on the Distribution Date is 0.00
32. The Available Cash Collateral Amount as of the close of
business on the Distribution Date is $14,000,000.00
33. The Collateral Investor Amount as of the close of
business on the Distribution Date is $56,000,000.00
47
34. The amount on deposit in the Cash Collateral Account as of
the close of business on the Distribution Date is $14,000,000.00
35. The amount of Interchange with respect to the prior
Monthly Period is $729,166.67
36. The amount of Servicer Interchange for the prior
Monthly Period is $583,333.34
37. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
38. The percentage by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period is 4.61%
39. The Net Portfolio Yield for the prior Monthly Period is 11.85%
40. The Base Rate for the Monthly Period is 7.24%
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:------------------------------------------
Michael Coco
Vice President
48
Series 1996-D daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1996-D 7.47% 7.47%
02/13 - 02/28 1996-D 7.02% 7.02%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
49
February, 1998
MONTHLY CERTIFICATEHOLDER'S STATEMENT
Fleet Bank (RI), National Association
-----------------------------------------------
FLEET Credit Card
Master Trust II
Series 1996-E
- -------------------------------------------------------------------------------
Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1996-E Supplement dated as of November 1, 1996
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1996-E
Certificateholders. This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period"). Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-E Certificate. Certain
other information is presented based on the aggregate amounts for the Trust as
a whole. All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.
1. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class A Certificates $4.293750
2. The total amount of the distribution on the Payment Date per $1000
original principal amount of Class B Certificates $4.466250
3. The amount of the distribution set forth in paragraph 1
above in respect of principal, per $1,000 original
principal amount of the Class A Certificates $0.000000
4. The amount of the distribution set forth in paragraph 2
above in respect of principal, per $1,000 original
principal amount of the Class B Certificates $0.000000
5. The amount of distribution set forth in paragraph 1
above in respect of interest, per $1,000 principal
principal amount of the Class A Certificate $4.293750
6. The amount of distribution set forth in paragraph 2
above in respect of interest, per $1,000 principal
principal amount of the Class B Certificate $4.466250
50
7. The aggregate amount of Collections of Receivables processed
for the prior Monthly Period which were allocated in
respect of the Series 1996-E Certificates $55,646,218.08
8. The aggregate amount of Collections of Principal Receivables
processed during the prior Monthly Period and allocated in
respect of the Series 1996-E Certificates $47,855,481.84
9. The aggregate amount of Reallocated Principal Collections
with respect to the prior Monthly Period $0.00
10. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class A Certificates $6,735,759.73
11. The aggregate amount of Collections of Finance Charge Receivables
processed during the prior Monthly Period and allocated
in respect of the Class B Certificates $430,195.58
12. The Class A Investor Default Amount for the prior
Monthly Period is $2,470,654.19
13. The Class B Investor Default Amount for the prior
Monthly Period is $158,660.96
14. The Collateral Default Amount for the prior
Monthly Period is $228,799.07
15. The aggregate amount of Class A Investor Charge-offs
for the prior Monthly Period is $0.00
16. The aggregate amount of Class B Investor Charge-offs
for the prior Monthly Period is $0.00
17. The aggregate amount of Collateral Charge-offs for
the prior Monthly Period is $0.00
18. The aggregate amount of Class A Investor Charge-offs
reimbursed on such Payment Date is $0.00
19. The aggregate amount of Class B Investor Charge-offs
reimbursed on such Payment Date is $0.00
20. The aggregate amount of Collateral Charge-offs
reimbursed on such Payment Date is $0.00
51
21. The amount of the Class A Servicing Fee for the prior
Monthly Period is $180,208.33
22. The amount of the Class B Servicing Fee for the prior
Monthly Period is $11,458.33
23. The amount of the Collateral Servicing Fee for the
prior Monthly Period is $16,666.67
24. The Class A Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
25. The Class B Pool Factor as of the Record Date for the
Distribution Date is 1.00000000
26. The Class A Investor Amount after giving effect to any
payments on the Distribution Date is $432,500,000.00
27. The Class A Invested Amount after giving effect to any
payments on the Distribution Date is $432,500,000.00
28. The Class B Investor Amount after giving effect to any
payments on the Distribution Date is $27,500,000.00
29. The Class B Invested Amount after giving effect to any
payments on the Distribution Date is $27,500,000.00
30. The amount, if any, by which the outstanding principal
balance of the Class A Certificates exceeds the Class A
Investor Amount after giving effect to any activity
on the Distribution Date is 0.00
31. The amount, if any, by which the outstanding principal
balance of the Class B Certificates exceeds the Class B
Investor Amount after giving effect to any activity
any activity on the Distribution Date is 0.00
32. The Available Cash Collateral Amount as of the close of
business on the Distribution Date is $10,000,000.00
33. The Collateral Investor Amount as of the close of
business on the Distribution Date is $40,000,000.00
52
34. The amount on deposit in the Cash Collateral Account as of
the close of business on the Distribution Date is $10,000,000.00
35. The amount of Interchange with respect to the prior
Monthly Period is $520,833.33
36. The amount of Servicer Interchange for the prior
Monthly Period is $416,666.66
37. The Deficit Controlled Amortization Amount (after giving
effect to any activity on the Distribution Date) is $0.00
38. The percentage by which the Net Portfolio Yield for the
prior Monthly Period exceeds the Base Rate for such
Monthly Period is 4.65%
39. The Net Portfolio Yield for the prior Monthly Period is 11.84%
40. The Base Rate for the Monthly Period is 7.19%
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
By:------------------------------------------
Michael Coco
Vice President
53
Series 1996-E daily percentages during the prior Monthly Period
Floating Principal
Allocation Allocation
Percentage Percentage
02/2 - 02/12 1996-E 5.33% 5.33%
02/13 - 02/28 1996-E 5.01% 5.01%
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: .................... $141,370,283.70
(b) 60-89 days: .................... $89,431,711.92
(c) 90-119 days: ................... $67,976,481.76
(d) 120-149 days: .................. $58,531,461.77
(e) 150-179 days: .................. $50,422,317.75
(f) 180 or more days: .............. $20,903,483.39
----------------
TOTAL $428,635,740.29
Fleet Bank (RI), National Association as Servicer
/s/ MICHAEL COCO
---------------------------
By: Michael Coco
Vice President