<PAGE> 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) October 16, 2000
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
<TABLE>
<S> <C> <C>
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)
</TABLE>
Registrant's telephone number, including area code (800) 362-6255
N/A
-------------------------------------------------------------
(Former Name or Former Address, if Changed Since Last Report)
<PAGE> 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 September 2000
was delivered to Certificateholders on October 16, 2000.
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 October 16, 2000
Distribution Date.
Exhibit 20.2 Trust and Public Series Summary for the First Union
Master Credit Card Trust as of September, 2000.
Item 8. Not Applicable.
Item 9. Not Applicable.
2
<PAGE> 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
<PAGE> 4
EXHIBIT INDEX
<TABLE>
<CAPTION>
Exhibit Description
------- -----------
<S> <C>
Exhibit 20.1 First Union Master Credit Card Trust, Series 1996-1 Certificateholders'
Statement for the October 16, 2000 Distribution Date.
Exhibit 20.2 Trust and Public Series Summary for the First Union Master Credit Card
Trust as of September 2000.
</TABLE>
4
