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 November 15,1996
PBT MASTER CREDIT CARD TRUST II SERIES A (Exact name of
registrant as specified in Department of the Treasury,
Internal Revenue Service Form SS-4)
THE PRUDENTIAL BANK AND TRUST COMPANY (Servicer of the
Trust) (Exact name as specified in Servicer's charter)
Georgia (State or other jurisiction of incorporation of of
Master Servicer) 33-47311 (Commission File Number of
Registrant)
58-0513395 (IRS Employer Identification Number
of Registrant)
One Ravinia Drive, Suite 1000, Atlanta, Georgia 30346
(Address of principal executive offices of (Zip Code) Master
Servicer)
Servicer's telephone number, including area code
770-604-7033
Item 5. Other Events.
On or about November 15,1996 , principal and interest in
accordance with the Pooling and Servicing Agreement dated as
of August 1, 1994 (the "Agreement"), among The Prudential
Bank and Trust Company, as trustee (the "Trustee"), were
distributed to holders ("Certificateholders") with the
variable rate Credit Card Receivables Certificates
evidencing undivided fractional interests in PBT Master
Credit Card Trust II in accordance with the Agreement. A
copy of the monthly Certificateholders' Statement, as
defined in the Agreement, was furnished to each
Certificateholder in accordance with the Agreement. A copy
of the Monthly Certificateholders' Statement is being filed
as Exhibit 99 to this Current Report on Form 8-K.
Item 7(c). Exhibits
Exhibit No. 99 Monthly Certificateholders Statement with
respect to the November 15,1996 distribution.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act
of 1934, the registrant has caused this report to be signed
on its behalf by the undersigned hereunto duly authorized.
Date: November 15,1996
PBT MASTER CREDIT CARD TRUST II SERIES A By: THE PRUDENTIAL
BANK AND TRUST COMPANY, as Servicer
by: Name: Richard C. Keene Title: Vice President
INDEX TO EXHIBITS
Exhibit No. Description Page
99 Monthly Certificateholders B-1 Statement with
respect to the November 15,1996 distribution.
The Prudential Bank and Trust Company
For Monthly Period ended: 10/31/96
Interest Period (# of days): 31
Date of this Report: 11/25/96
B. Spread Account Cap and Unpaid Loan Amount
1 Investor Interest on the first day of the Monthly Period $450,000,000.00
2 Investor Interest on the last day of the Monthly Period $450,000,000.00
3 Average Excess Spread Percentage for three preceding 5.98% (REVISED)
Monthly Periods
4 Average Excess Spread Percentage for twelve preceding 4.60%(REVISED)
Monthly Periods
5 Spread Account Cap for preceding Monthly Period $4,500,000.00
