8-K 1 w44462e8-k.txt CURRENT REPORT 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) January 16, 2001 MBNA America Bank, National Association (as successor to First Union Direct Bank) (as Originator of the First Union Master Credit Card Trust) ----------------------------------------------------------- (Exact name of registrant as specified in its charter) on behalf of First Union Master Credit Card Trust United States 33-98546-01 51-0331454 -------------------------------------------- -------------------------- --------------------- (State or Other Jurisdiction of Incorporation) (Commission File Number) (IRS Employer Identification Number) Wilmington, Delaware 19884-0781 -------------------------------------------- ---------------------- (Address of Principal Executive Office) (Zip Code)

Registrant's telephone number, including area code (800) 362-6255 N/A ------------------------------------------------------------- (Former Name or Former Address, if Changed Since Last Report) 2 INFORMATION TO BE INCLUDED IN THE REPORT Item 1. Not Applicable. Item 2. Not Applicable. Item 3. Not Applicable. Item 4. Not Applicable. Item 5. The First Union Master Credit Card Trust, Series 1996-1 Certificateholders' Statement for the period of December 2000 was delivered to Certificateholders on January 16, 2001. Item 6. Not Applicable. Item 7. Exhibits. The following are filed as Exhibits to this Report under Exhibits 20.1 and 20.2 . Exhibit 20.1 First Union Master Credit Card Trust, Series 1996-1 Certificateholders' Statement for the January 16, 2001 Distribution Date. Exhibit 20.2 Key Performance Factors for the First Union Master Credit Card Trust, Series 1996-1 as of December 31, 2000. Item 8. Not Applicable. 2 3 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on their behalf by the undersigned hereunto duly authorized. MBNA AMERICA BANK, NATIONAL ASSOCIATION, on behalf of the First Union Master Credit Card Trust By: /s/ Jack Fioravanti ---------------------------- Name: Jack Fioravanti Title: Senior Vice President 3 4 EXHIBIT INDEX

FIRST UNION MASTER CREDIT CARD TRUST 8-K