-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, CTiu500di0QvgLkC5kXuuoa1J5u0fqNBWhEBdszPf2JIWRtqR/mCC1hZ7SRv9wJ2 AzurJaDO+zf2C31IhdOO/Q== 0000893220-96-001942.txt : 19961121 0000893220-96-001942.hdr.sgml : 19961121 ACCESSION NUMBER: 0000893220-96-001942 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 19961115 ITEM INFORMATION: Other events ITEM INFORMATION: Financial statements and exhibits FILED AS OF DATE: 19961120 SROS: NONE FILER: COMPANY DATA: COMPANY CONFORMED NAME: ADVANTA CREDIT CARD MASTER TRUST II CENTRAL INDEX KEY: 0000924992 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-20973 FILM NUMBER: 96669807 BUSINESS ADDRESS: STREET 1: FIVE HORSHAM BUSINESS CENTER CITY: HORSHAM STATE: PA ZIP: 19044-2209 BUSINESS PHONE: 2156574000 8-K 1 FORM 8-K DATED NOVEMBER 15,1996 1 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (date of earliest event reported): November 15, 1996 ADVANTA CREDIT CARD MASTER TRUST II (Exact name of Registrant as specified in its charter) New York Reg. No. 333-05433 Not Required (State or other (Commission File (I.R.S. Employer jurisdiction Number) Identification of incorporation) Number) Advanta National Bank USA Attention: Gene S. Schneyer Brandywine Corporate Center 650 Naamans Road, Claymont, Delaware 19703 (Address of Owner/Servicer) (Address of principal executive offices) (302)791-4400 (Telephone Number of Owner/Servicer) (Registrant's Telephone Number) Advanta National Bank 501 Carr Road Wilmington, Delaware 19809 (302) 791-4400 2 Items 1-4. Inapplicable. Item 5. Other Events. Information relating to the distributions to Certificateholders for the October 1996 Monthly Period of the Trust in respect of the following Floating Rate Asset Backed Certificates: Series 1994-B, Series 1994-D, Series 1995-A, Series 1995-C, Series 1995-D, Series 1995-F, of which Class A-1 is a Fixed Rate, Series 1995-G, Series 1996-A, of which Class A-1 is a Fixed Rate, Series 1996-B, Series 1996-C, and Series 1996-D (the "Certificates") issued by the Registrants and to the performance of the Trust (including collections of Principal Receivables and Finance Charge Receivables, Principal Receivables in the Trust, delinquent balances in Accounts, the Investor Default Amounts, the amount of Investor Charge Offs, and the Investor Servicing Fees), together with certain other information relating to the Certificates, is contained in the Monthly Report for the Monthly Period provided to Certificateholders pursuant to the Pooling and Servicing Agreement dated as of December 1, 1993 (hereinafter as such agreement may have been or may be from time to time, supplemented, amended or otherwise modified, the "Agreement"), between Advanta National Bank USA and Bankers Trust Company, as trustee. Capitalized terms not otherwise defined herein have the meanings assigned in the Agreement. In August 1996, the Owner/Servicer adopted a new charge-off methodology related to bankrupt credit card accounts. Under the previous methodology, when the Owner/Servicer received notification that a credit cardholder had filed a bankruptcy petition, the account was written off within 30 days of notification. Under the new methodology, the Owner/Servicer utilizes an investigative period of up to 90 days from the date of such notification. The receivable, if not paid during such investigative period, will be charged off unless the investigation shows that the cardholder's obligation to the Owner/Servicer should not be discharged as the result of the bankruptcy proceeding. In no event will the receivable be charged off at later than 186 days contractual delinquency. As the result of this new methodology, charge-offs of receivables held by the Trust were lower in October 1996 than they would have been under the previous methodology and, conversely, delinquent Receivables were higher by a like amount. Item 6. Inapplicable. Item 7. Financial Statements, Pro Forma Financial Information and Exhibits. 1. Monthly Reports for the October 1996 Monthly Period relating to the following Floating Rate Asset Backed Certificates: Series 1994-B, Series 1994-D, Series 1995-A, Series 1995-C, Series 1995-D, Series 1995-F, of which Class A-1 is a Fixed Rate, Series 1995-G, Series 1996-A, of which Class A-1 is a Fixed Rate, Series 1996-B, Series 1996-C and Series 1996-D issued by the Advanta Credit Card Master Trust II. 3 SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. ADVANTA CREDIT CARD MASTER TRUST II (Registrant) BY: ADVANTA NATIONAL BANK USA (Owner/Servicer) Date: November 15, 1996 By: /s/Michael Coco -------------------- Name: Michael Coco Title: Vice President 4 EXHIBIT INDEX
Sequential Exhibit Page Number 1. Monthly Reports for the October 1996 Monthly Period relating to the 5 Asset Backed Certificates Series 1994-B, Series 1994-D, Series 1995-A, Series 1995-C, Series 1995-D, Series 1995-F, Series 1995-G, Series 1996-A, Series 1996-B, Series 1996-C and Series 1996-D issued by the ADVANTA Credit Card Master Trust II.
(sec-mtII.doc) October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT Advanta National Bank USA --------------------------------------- ADVANTA CREDIT CARD MASTER TRUST II EX-1 2 MONTHLY REPORTS FOR OCTOBER 1996 1 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT Advanta National Bank USA Master Trust II Series 1994-B Under the Amended and Restated Master Pooling and Servicing Agreement dated as of December 1, 1993 (the "Master Agreement") by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1994-B Supplement dated as of July 19, 1994 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1994-B Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 Master Agreement. 1. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class A Certificates $4.869583 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $5.084861 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 $4.869583 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 $5.084861 7. The aggregate amount of Collections of Receivables processed for the prior Monthly Period which were allocated in respect of the Series 1994-BCertificates $78,194,083.14 8. The aggregate amount of Collections of Principal Receivables processed during the prior Monthly Period and allocated in respect of the Series 1994-BCertificates $67,073,692.13 2 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 $9,789,526.41 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 $439,889.93 12. The Class A Investor Default Amount for the prior Monthly Period is $2,708,137.16 13. The Class B Investor Default Amount for the prior Monthly Period is $121,473.17 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 1.00000 21. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 3 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 4.99% Advanta National Bank USA (formerly Colonial) as Servicer By: /s/ MICHAEL COCO ------------------------------------------ Michael Coco Vice President 4 Series 1994-B daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1994-B 8.61% 8.61%
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 is........................ (a) 30 - 59 days:.................. 134,661,199.80 (b) 60 - 89 days:.................. 78,113,226.56 (c) 90 - 119 days:................. 57,392,879.77 (d) 120 - 149 days:................ 40,052,826.47 (e) 150 - 179 days:................ 31,174,352.13 (f) 180 or more days:.............. 8,672,353.05
5 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT Advanta National Bank USA Master Trust II Series 1994-D Under the Amended and Restated Master Pooling and Servicing Agreement dated as of December 1, 1993, (the "Master Agreement") by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1994-D Supplement dated as of October 11, 1994 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1994-D Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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-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 $4.766250 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $4.938472 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 $4.766250 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 $4.938472 7. The aggregate amount of Collections of Receivables processed for the prior Monthly Period which were allocated in respect of the Series 1994-DCertificates $104,258,777.59 8. The aggregate amount of Collections of Principal Receivables processed during the prior Monthly Period and allocated in respect of the Series 1994-DCertificates $89,431,589.56 6 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 $12,682,395.36 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 $736,881.49 12. The Class A Investor Default Amount for the prior Monthly Period is $3,508,430.99 13. The Class B Investor Default Amount for the prior Monthly Period is $203,646.20 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 $1,425,000.00 19. The amount of the Class B Servicing Fee for the prior Monthly Period is $83,333.33 20. The Class A Pool Factor as of the Record Date for the Distribution Date is 1.00000 21. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 22. The Class A Investor Amount after giving effect to any payments on the Distribution Date is $855,000,000.00 23. The Class A Invested Amount after giving effect to any payments on the Distribution Date is $855,000,000.00 24. The Class B Investor Amount after giving effect to any payments on the Distribution Date is $50,000,000.00 7 25. The Class B Invested Amount after giving effect to any payments on the Distribution Date is $50,000,000.00 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 $10,000,000.00 29. The Collateral Investor Amount as of the close of business on the Distribution Date is $95,000,000.00 30. The Available Enhancement Amount as of the close of business on the Distribution Date $105,000,000.00 31. The amount of Interchange with respect to the prior Monthly Period is $1,250,000.00 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 5.11% Advanta National Bank USA (formerly Colonial) as Servicer By: /s/ MICHAEL COCO ------------------------------------------ Michael Coco Vice President 8 Series 1994-D daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1994-D 11.48% 11.48%
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 is........................ (a) 30 - 59 days:.................. 134,661,199.80 (b) 60 - 89 days:.................. 78,113,226.56 (c) 90 - 119 days:................. 57,392,879.77 (d) 120 - 149 days:................ 40,052,826.47 (e) 150 - 179 days:................ 31,174,352.13 (f) 180 or more days:.............. 8,672,353.05
9 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT Advanta National Bank USA Master Trust II Series 1995-A Under the Amended and Restated Master Pooling and Servicing Agreement dated as of December 1, 1993 (the "Master Agreement") by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1995-A Supplement dated as of January 18, 1995 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1995-A Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 Master Agreement. 1. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class A Certificates $4.783472 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $4.951389 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 $4.783472 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 $4.951389 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 $72,870,949.72 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 $62,633,273.54 10 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 $8,748,511.34 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 $509,644.84 12. The Class A Investor Default Amount for the prior Monthly Period is $2,454,472.60 13. The Class B Investor Default Amount for the prior Monthly Period is $142,909.61 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 1.00000 21. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 11 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 4.84% 34. The Net Portfolio Yield for the prior Monthly Period is 12.63% 35. The Base Rate for the Monthly Period is 7.79% 36. The aggregate amount of Principal Receivables as of the last day of the prior Monthly Period is $8,404,346,547.56 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 $108,143,741.00 Advanta National Bank USA (formerly Colonial) as Servicer By: /s/ MICHAEL COCO ------------------------------------------ Michael Coco Vice President 12 Series 1995-A daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1995-A 8.04% 8.04%
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 is........................ (a) 30 - 59 days:.................. 134,661,199.80 (b) 60 - 89 days:.................. 78,113,226.56 (c) 90 - 119 days:................. 57,392,879.77 (d) 120 - 149 days:................ 40,052,826.47 (e) 150 - 179 days:................ 31,174,352.13 (f) 180 or more days:.............. 8,672,353.05
13 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT Advanta National Bank USA Master Trust II Series 1995-C Under the Amended and Restated Master Pooling and Servicing Agreement dated as of December 1, 1993 (the "Master Agreement") by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1995-C Supplement dated as of April 27, 1995 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1995-C Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 Master Agreement. 1. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class A Certificates $0.000000 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $0.000000 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 $0.000000 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 $0.000000 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 $59,827,644.66 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 $51,415,373.81 14 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 $7,150,430.22 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 $509,214.17 12. The Class A Investor Default Amount for the prior Monthly Period is $2,004,307.32 13. The Class B Investor Default Amount for the prior Monthly Period is $142,909.61 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 1.00000 21. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 15 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 4.60% 34. The Net Portfolio Yield for the prior Monthly Period is 12.63% 35. The Base Rate for the Monthly Period is 8.03% 36. The aggregate amount of Principal Receivables as of the last day of the prior Monthly Period is $8,404,346,547.56 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 $108,143,741.00 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 $5,087,935.41 42. The amount on deposit in the Reserve Account as of the close of business on the Distribution Date is $0.00 Advanta National Bank USA (formerly Colonial) as Servicer By: /s/ MICHAEL COCO ------------------------------------------ Michael Coco Vice President 16 Series 1995-C daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1995-C 6.60% 6.60%
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 is........................ (a) 30 - 59 days:.................. 134,661,199.80 (b) 60 - 89 days:.................. 78,113,226.56 (c) 90 - 119 days:................. 57,392,879.77 (d) 120 - 149 days:................ 40,052,826.47 (e) 150 - 179 days:................ 31,174,352.13 (f) 180 or more days:.............. 8,672,353.05
17 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT Advanta National Bank USA Master Trust II Series 1995-D Under the Amended and Restated Master Pooling and Servicing Agreement dated as of December 1, 1993 (the "Master Agreement") by and between Advantal National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1995-D Supplement dated as of July 25, 1995 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1995-D Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 $4.802176 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $4.914120 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 $4.802176 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 $4.914120 7. The aggregate amount of Collections of Receivables processed for the prior Monthly Period which were allocated in respect of the Series 1995-DCertificates $62,448,085.75 8. The aggregate amount of Collections of Principal Receivables processed during the prior Monthly Period and allocated in respect of the Series 1995-DCertificates $53,674,534.14 18 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 $8,339,911.68 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 $433,639.93 12. The Class A Investor Default Amount for the prior Monthly Period is $2,340,144.91 13. The Class B Investor Default Amount for the prior Monthly Period is $121,473.17 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 1.00000 21. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 19 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 4.85% Advanta National Bank USA (formerly named Colonial) as Servicer By: /s/ MICHAEL COCO ------------------------------------------ Michael Coco Vice President 20 Series 1995-D daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1995-D 6.89% 6.89%
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 is........................ (a) 30 - 59 days:.................. 134,661,199.80 (b) 60 - 89 days:.................. 78,113,226.56 (c) 90 - 119 days:................. 57,392,879.77 (d) 120 - 149 days:................ 40,052,826.47 (e) 150 - 179 days:................ 31,174,352.13 (f) 180 or more days:.............. 8,672,353.05
21 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT Series 1995-F Under the Amended and Restated Master Pooling and Servicing Agreement dated as of December 1, 1993 (the "Master Agreement") by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1995-F Supplement dated as of November 21, 1995 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1995-F Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 Master 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 $4.802176 3. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $4.896898 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 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 $4.802176 22 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 $4.896898 10. The aggregate amount of Collections of Receivables processed for the prior Monthly Period which were allocated in respect of the Series 1995-FCertificates $88,460,697.03 11. The aggregate amount of Collections of Principal Receivables processed during the prior Monthly Period and allocated in respect of the Series 1995-FCertificates $76,032,431.55 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 $11,053,991.58 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 $660,991.98 15. The Class A Investor Default Amount for the prior Monthly Period is $3,101,138.60 16. The Class B Investor Default Amount for the prior Monthly Period is $185,782.50 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. The amount of the Class A Servicing Fee for the prior Monthly Period is $1,260,833.33 22. The amount of the Class B Servicing Fee for the prior Monthly Period is $74,375.00 23. The Class A Pool Factor as of the Record Date for the Distribution Date is 1.00000 23 24. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 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 4.71% 41. The Net Portfolio Yield for the prior Monthly Period is 12.62% 42. The Base Rate for the Monthly Period is 7.91% 43. The aggregate amount of Principal Receivables as of the last day of the prior Monthly Period is $8,404,346,547.56 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 $108,143,741.00 Advanta National Bank USA (formerly named Colonial)as Servicer By: /s/ MICHAEL COCO ------------------------------------- Michael Coco Vice President 24 Series 1995-F daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1995-F 9.76% 9.76%
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 is...................... (a) 30 - 59 days:.................... 134,661,199.80 (b) 60 - 89 days:.................... 78,113,226.56 (c) 90 - 119 days:................... 57,392,879.77 (d) 120 - 149 days:.................. 40,052,826.47 (e) 150 - 179 days:.................. 31,174,352.13 (f) 180 or more days:................ 8,672,353.05
25 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT 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, and as amended by Amendment Number 1 dated as of July 1,1994, by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1995-G Supplement dated as of December 15, 1995 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1995-G Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 Master Agreement. 1. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class A Certificates $4.759120 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $4.888287 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 $4.759120 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 $4.888287 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 $52,025,222.14 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 $44,715,794.77 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 $6,316,945.31 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 $406,832.28 12. The Class A Investor Default Amount for the prior Monthly Period is $1,772,079.20 13. The Class B Investor Default Amount for the prior Monthly Period is $114,327.69 14. The Collateral Default Amount for the prior Monthly Period $164,346.05 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 21. The amount of the Class A Servicing Fee for the prior Monthly Period is $360,416.66 22. The amount of the Class B Servicing Fee for the prior Monthly Period is $22,916.66 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 1.00000 27 25. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 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 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 4.88% 39. The Net Portfolio Yield for the prior Monthly Period is 12.62% 40. The Base Rate for the Monthly Period is 7.75% Advanta National Bank USA (formerly Colonial) as Servicer By: /s/ MICHAEL COCO ----------------------------------------- Michael Coco Vice President 28 Series 1995-G daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1995-G 5.74% 5.74%
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 is...................... (a) 30 - 59 days:.................... 134,661,199.80 (b) 60 - 89 days:.................... 78,113,226.56 (c) 90 - 119 days:................... 57,392,879.77 (d) 120 - 149 days:.................. 40,052,826.47 (e) 150 - 179 days:.................. 31,174,352.13 (f) 180 or more days:................ 8,672,353.05
29 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT Series 1996-A Under the Amended and Restated Master Pooling and Servicing Agreement dated as of December 1, 1993 (the "Master Agreement") by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1996-A Supplement dated as of January 18, 1996 (the "Supplement") and together with the Master Agreement between Colonial and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1996-A Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 $4.836620 3. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $4.939954 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 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 $4.836620 30 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 $4.939954 10. The aggregate amount of Collections of Receivables processed for the prior Monthly Period which were allocated in respect of the Series 1996-ACertificates $52,025,222.17 11. The aggregate amount of Collections of Principal Receivables processed during the prior Monthly Period and allocated in respect of the Series 1996-ACertificates $44,715,794.78 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 $6,430,952.73 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 $382,233.64 15. The Class A Investor Default Amount for the prior Monthly Period is $1,804,233.86 16. The Class B Investor Default Amount for the prior Monthly Period is $107,182.21 17. The Collateral Default Amount for the prior Monthly Period is $139,336.87 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 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 31 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 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 5.20% Advanta National Bank USA (formerly named Colonial) as Servicer By: /s/ MICHAEL COCO ----------------------------------------- Michael Coco Vice President 32 Series 1996-A daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1996-A 5.74% 5.74%
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 is...................... (a) 30 - 59 days:.................... 134,661,199.80 (b) 60 - 89 days:.................... 78,113,226.56 (c) 90 - 119 days:................... 57,392,879.77 (d) 120 - 149 days:.................. 40,052,826.47 (e) 150 - 179 days:.................. 31,174,352.13 (f) 180 or more days:................ 8,672,353.05
33 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT 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, and as amended by Amendment Number 1 dated as of July 1,1994, by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1996-B Supplement dated as of March 26, 1996 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1996-B Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 Master Agreement. 1. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class A Certificates $0.000000 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $0.000000 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 $0.000000 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 $0.000000 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 $78,047,438.01 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 $67,073,692.14 34 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 $9,494,920.94 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 $599,581.88 12. The Class A Investor Default Amount for the prior Monthly Period is $2,661,691.53 13. The Class B Investor Default Amount for the prior Monthly Period is $167,918.79 14. The Collateral Default Amount for the prior Monthly Period $246,519.08 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 21. The amount of the Class A Servicing Fee for the prior Monthly Period is $270,285.47 22. The amount of the Class B Servicing Fee for the prior Monthly Period is $17,185.78 23. The amount of the Collateral Servicing Fee for the prior Monthly Period is $24,997.50 24. The Class A Pool Factor as of the Record Date for the Distribution Date is 1.00000 35 25. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 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 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 5.06% 39. The Net Portfolio Yield for the prior Monthly Period is 12.64% 40. The Base Rate for the Monthly Period is 7.58% 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 $6,743,218.75 43. The amount on deposit in the Reserve Account as of the $0.00 close of business on the Distribution Date is Advanta National Bank USA (formerly Colonial) as Servicer By: /s/ MICHAEL COCO ----------------------------------------- Michael Coco Vice President 36 Series 1996-B daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1996-B 8.61% 8.61%
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 is...................... (a) 30 - 59 days:.................... 134,661,199.80 (b) 60 - 89 days:.................... 78,113,226.56 (c) 90 - 119 days:................... 57,392,879.77 (d) 120 - 149 days:.................. 40,052,826.47 (e) 150 - 179 days:.................. 31,174,352.13 (f) 180 or more days:................ 8,672,353.05
37 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT 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, and as amended by Amendment Number 1 dated as of July 1,1994, by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1996-C Supplement dated as of May 13, 1996 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1996-C Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 Master Agreement. 1. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class A Certificates $0.000000 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $0.000000 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 $0.000000 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 $0.000000 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 $72,881,003.29 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 $62,633,273.51 38 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 $8,859,136.66 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 $561,162.26 12. The Class A Investor Default Amount for the prior Monthly Period is $2,483,054.52 13. The Class B Investor Default Amount for the prior Monthly Period is $157,200.57 14. The Collateral Default Amount for the prior Monthly Period $232,228.12 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 21. The amount of the Class A Servicing Fee for the prior Monthly Period is $252,266.44 22. The amount of the Class B Servicing Fee for the prior Monthly Period is $16,040.06 23. The amount of the Collateral Servicing Fee for the prior Monthly Period is $23,331.00 24. The Class A Pool Factor as of the Record Date for the Distribution Date is 1.00000 39 25. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 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 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 5.17% 39. The Net Portfolio Yield for the prior Monthly Period is 12.64% 40. The Base Rate for the Monthly Period is 7.48% 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 $6,746,308.34 43. The amount on deposit in the Reserve Account as of the $0.00 close of business on the Distribution Date is Advanta National Bank USA (formerly Colonial) as Servicer By: /s/ MICHAEL COCO ----------------------------------------- Michael Coco Vice President 40 Series 1996-C daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1996-C 8.04% 8.04%
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 is...................... (a) 30 - 59 days:.................... 134,661,199.80 (b) 60 - 89 days:.................... 78,113,226.56 (c) 90 - 119 days:................... 57,392,879.77 (d) 120 - 149 days:.................. 40,052,826.47 (e) 150 - 179 days:.................. 31,174,352.13 (f) 180 or more days:................ 8,672,353.05
41 October, 1996 MONTHLY CERTIFICATEHOLDER'S STATEMENT 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, and as amended by Amendment Number 1 dated as of July 1,1994, by and between Advanta National Bank USA ("AUS") as Seller and Servicer, and Bankers Trust Company, as Trustee, as supplemented by the Series 1996-D Supplement dated as of June 18, 1996 (the "Supplement") and together with the Master Agreement between AUS and the Trustee, AUS, as Servicer, is required to prepare certain information each month regarding current distributions to all 1996-D Certificateholders. This statement relates to the November 15, 1996 Distribution Date (the "Distribution Date") and the performance of the ADVANTA 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 Master Agreement. 1. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class A Certificates $4.767731 2. The total amount of the distribution on the Payment Date per $1000 original principal amount of Class B Certificates $4.896898 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 $4.767731 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 $4.896898 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 $72,870,949.73 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 $62,633,273.51 42 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 $8,850,440.32 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 $560,609.32 12. The Class A Investor Default Amount for the prior Monthly Period is $2,483,054.52 13. The Class B Investor Default Amount for the prior Monthly Period is $157,200.57 14. The Collateral Default Amount for the prior Monthly Period $232,228.12 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 21. The amount of the Class A Servicing Fee for the prior Monthly Period is $252,266.44 22. The amount of the Class B Servicing Fee for the prior Monthly Period is $16,040.06 23. The amount of the Collateral Servicing Fee for the prior Monthly Period is $23,331.00 24. The Class A Pool Factor as of the Record Date for the Distribution Date is 1.00000 43 25. The Class B Pool Factor as of the Record Date for the Distribution Date is 1.00000 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 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 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 5.35% 39. The Net Portfolio Yield for the prior Monthly Period is 12.63% 40. The Base Rate for the Monthly Period is 7.27% Advanta National Bank USA (formerly Colonial) as Servicer By: /s/ MICHAEL COCO ----------------------------------------- Michael Coco Vice President 44 Series 1996-D daily percentages during the prior Monthly Period
Floating Principal Allocation Allocation Percentage Percentage ---------- ---------- 10/1 - 10/31 1996-D 8.04% 8.04%
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 is...................... (a) 30 - 59 days:.................... 134,661,199.80 (b) 60 - 89 days:.................... 78,113,226.56 (c) 90 - 119 days:................... 57,392,879.77 (d) 120 - 149 days:.................. 40,052,826.47 (e) 150 - 179 days:.................. 31,174,352.13 (f) 180 or more days:................ 8,672,353.05
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