Item 1. Business -------- Not applicable.
Item 2.
Item 2. Properties ---------- Not applicable.
Item 3.
Item 3. Legal Proceedings ----------------- There are no material pending legal proceedings with respect to NationsBank Credit Card Master Trust (the "Trust") involving the Trust, The Bank of New York, as Trustee, or NationsBank of Delaware, N.A., as Servicer, other than ordinary or routine litigation incidental to the Trust assets or the Trustee's or the Servicer's duties under the applicable Pooling and Servicing Agreement.
Item 4.
Item 4. Submission of Matters to a Vote of Security Holders --------------------------------------------------- None.
PART II - -------
Item 5.
Item 5. Market for the Registrant's Common Equity and Related Stockholder Matters ------------------------------------------------------------------- (a) Market Information. There is no established public trading market for the Certificates.
(b) Holders. Since each of the Certificates was issued in book entry form only, there is only one holder of record of each Series of Certificates. See Item 12 below.
(c) Dividends. Not applicable.
Item 6.
Item 6. Selected Financial Data ----------------------- Not applicable.
Item 7.
Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations ---------------------------------------------------------------- Not applicable.
Item 8.
Item 8. Financial Statements and Supplementary Data ------------------------------------------- Not applicable.
Item 9.
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure ----------------------------------------------------------------- None.
PART III - --------
Item 10.
Item 10. Directors and Executive Officers of the Registrant -------------------------------------------------- Not applicable.
Item 11.
Item 11. Executive Compensation ---------------------- Not applicable.
Item 12.
Item 12. Security Ownership of Certain Beneficial Owners and Management --------------------------------------------------------------- The Certificates are represented by one or more certificates registered in the name of Cede & Co., the nominee of The Depository Trust Company ("DTC"). An investor holding an interest in the Trust is not entitled to receive a certificate representing such interest except in limited circumstances. Accordingly, Cede & Co. is the sole holder of record of the Certificates, which it holds on behalf of brokers, dealers, banks and other participants in the DTC system. Such participants may hold certificates for their own accounts or for the accounts of their customers. The address of Cede & Co. is: Cede & Co. c/o The Depository Trust Company Attention: Proxy Department Seven Hanover Square New York, New York 10004
Item 13.
Item 13. Certain Relationships and Related Transactions ---------------------------------------------- There has not been, and there is not currently proposed, any transaction or series of transactions, to which either the Trust or NationsBank of Delaware, N.A., as Servicer, is a party with any Certificateholder, or any member of the immediate family of any such Certificateholder, who, to the knowledge of the Servicer, owns of record or beneficially more than five percent of the Certificates.
PART IV - -------
Item 14.
Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K ----------------------------------------------------------------
(a) 1. Not applicable. 2. Not applicable. 3. Exhibits: 99.1 Annual Servicer's Certificate. 99.2 Report of Independent Accountants
(b) Reports on Form 8-K. As Servicer and on behalf of the NationsBank Credit Card Master Trust, NationsBank of Delaware, N.A. filed a Current Report on Form 8-K pursuant to Items 5 and 7 for the following monthly distribution dates during 1996, including the Certificateholder's Statements for each due period provided to The Bank of New York, as Trustee.
Dates of Reports on Form 8-K ---------------------------- January 16, 1996 February 15, 1996 March 15, 1996 April 15, 1996 May 15, 1996, as amended June 17, 1996, as amended July 15, 1996, as amended August 15, 1996 September 16, 1996 October 15, 1996 November 15, 1996 December 16, 1996
(c) The exhibits filed as part of this report are listed in the Index to Exhibits on page 5.
(d) Not applicable.
SIGNATURE
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
NationsBank of Delaware, N.A., as Servicer and on behalf of NationsBank Credit Card Master Trust
By: /s/ Leslie J. Fitzpatrick --------------------------- Leslie J. Fitzpatrick Senior Vice President (Duly Authorized Officer)
Date: March 25, 1997
INDEX TO EXHIBITS
Exhibit No. Description of Exhibit ----------- ----------------------- 99.1 Annual Servicer's Certificate
99.2 Report of Independent Accountants