<PAGE> 1
PROSPECTUS SUPPLEMENT This Prospectus Supplement, filed
FOR THE PERIOD ENDING pursuant to Rule 424(b)(3),
SEPTEMBER 30, 1996 TO relates to Registration Statement
PROSPECTUS DATED 33-54804-01 and the Prospectus
OCTOBER 19, 1993 dated October 19, 1993
SECURITIES AND EXCHANGE COMMISSION
450 Fifth Street, N.W.
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 15, 1996
DISCOVER CARD MASTER TRUST I
----------------------------
(Exact name of registrant as specified in its charter)
Delaware 0-23108 Not Applicable
- -------- ------- --------------
(State of (Commission (IRS Employer
organization) File Number) Identification No.)
c/o Greenwood Trust Company
12 Read's Way
New Castle, Delaware 19720
- ---------------------------------------------------------
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (302) 323-7184
Not Applicable
--------------------------------------
(Former address, if changed since last report)
Page 1 of 99
Index to Exhibits is on page 7
<PAGE> 2
Item 5. Other Events
A) Series 1993-1:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1993-1, which is attached as Exhibit 20(a) hereto.
B) Series 1993-2:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1993-2, which is attached as Exhibit 20(b) hereto.
C) Series 1993-3:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1993-3, which is attached as Exhibit 20(c) hereto.
D) Series 1994-1:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1994-1, which is attached as Exhibit 20(d) hereto.
E) Series 1994-2:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1994-2, which is attached as Exhibit 20(e) hereto.
F) Series 1994-3:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1994-3, which is attached as Exhibit 20(f) hereto.
G) Series 1994-A:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1994-A, which is attached as Exhibit 20(g) hereto.
H) Series 1995-1:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1995-1, which is attached as Exhibit 20(h) hereto.
I) Series 1995-2:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1995-2, which is attached as Exhibit 20 (i) hereto.
2
<PAGE> 3
J) Series 1995-3:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1995-3, which is attached as Exhibit 20(j) hereto.
K) Series 1996-1:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1996-1, which is attached as Exhibit 20(k) hereto.
L) Series 1996-2:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1996-2, which is attached as Exhibit 20(l) hereto.
M) Series 1996-3:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders' Statement for the September 1996 Due Period with respect to
Series 1996-3, which is attached as Exhibit 20(m) hereto.
N) Series 1996-4:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders Statement for the September 1996 Due Period with respect to
Series 1996-4, which is attached as Exhibit 20(n) hereto.
O) Series 1996-5:
On October 15, 1996 the Registrant made available the Monthly
Certificateholders Statement for the September 1996 Due Period with respect to
Series 1996-5, which is attached as Exhibit 20(o) hereto.
3
<PAGE> 4
Item 7. Financial Statements and Exhibits
(c) Exhibits
Exhibit No. Description
- ----------- -----------
20(a) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1993-1.
20(b) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1993-2.
20(c) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1993-3.
20(d) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1994-1.
20(e) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1994-2.
20(f) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1994-3.
20(g) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1994-A.
20(h) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1995-1.
20(i) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1995-2.
20(j) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1995-3.
20(k) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-1.
20(l) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-2.
20(m) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-3.
20(n) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-4.
4
<PAGE> 5
20(o) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-5.
5
<PAGE> 6
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) 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.
DISCOVER CARD MASTER TRUST I
(Registrant)
By: GREENWOOD TRUST COMPANY
as originator of the Trust
By: John J. Coane
-------------------------------------
John J. Coane
Vice President, Director of
Accounting and Treasurer
Date: October 15, 1996
6
<PAGE> 7
EXHIBIT INDEX
Exhibit No. Description
- ----------- -----------
20(a) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1993-1.
20(b) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1993-2.
20(c) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1993-3.
20(d) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1994-1.
20(e) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1994-2.
20(f) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1994-3.
20(g) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1994-A.
20(h) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1995-1.
20(i) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1995-2.
20(j) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1995-3.
20(k) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-1.
20(l) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-2.
20(m) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-3.
20(n) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-4.
20(o) Monthly Certificateholders' Statement, related to the Due
Period ending September 30, 1996, for Series 1996-5.
7
<PAGE> 1
EXHIBIT 20(a)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1993-1 Monthly Statement
Class A Certificate CUSIP #25466KAA7
Class B Certificate CUSIP #25466KAB5
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30,1996
Pursuant to the Series Supplement dated as of October 27, 1993 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000 of
Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1993-1 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.773910000% $4.651205278 $4.651205278 $0.000000000
Class B 30 days at 5.300000000% $4.416666667 $4.416666667 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1993-1 Investor Interest $797,873,000.00
(e) Class A Investor Interest $750,000,000.00
Class B Investor Interest $47,873,000.00
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1993-1 Allocations $12,810,174.69 $97,428,737.74 $0.00
(e) Class A Allocations $12,047,113.74 $91,625,220.87 $0.00
Class B Allocations $763,060.95 $5,803,516.87 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
Deposits into the SPFAs
<TABLE>
<CAPTION>
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1993-1 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1993-1 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
DuePeriod SIFA Balance
<S> <C> <C>
Series 1993-1 $3,699,843.04 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1993-1 $4,378,783.81 $0.00
(d) Class A $4,117,953.73 $0.00
Class B $260,830.08 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1993-1 $1,329,788.33
(d) Class A $1,250,000.00
Class B $79,788.33
</TABLE>
<TABLE>
<CAPTION>
13. Class Available Subordinated Amount at the end of the Due Period
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1993-1 Class B $63,829,840.00 8.5106%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $19,946,825.00 $15,957,460.00
Available Amount $19,946,825.00 $15,957,460.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
----------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1993-1 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of October 27, 1993 (the "Series Supplement")
by and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1993-1 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $91,625,220.87
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $12,047,113.74
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $3,488,403.96
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $5,803,516.87
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $763,060.95
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $211,439.08
14. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
-------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(b)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1993-2 Monthly Statement
Class A Certificate CUSIP #25466KAE9
Class B Certificate CUSIP #25466KAF6
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
Pursuant to the Series Supplement dated as of December 1, 1993 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000
of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1993-2 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 30 days at 5.400000000% $4.500000000 $4.500000000 $0.000000000
Class B 30 days at 5.750000000% $4.791666667 $4.791666667 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1993-2 Investor Interest $833,334,000.00
(e) Class A Investor Interest $800,000,000.00
Class B Investor Interest $33,334,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation. $191,574,543.84 $1,457,034,462.43 $0.00
Seller: $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1993-2 Allocations $13,388,251.16 $101,825,341.43 $0.00
(e) Class A Allocations $12,856,420.80 $97,780,466.04 $0.00
Class B Allocations $531,830.36 $4,044,875.39 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1993-2 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1993-2 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1993-2 $3,759,725.42 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1993-2 $4,576,382.35 $0.00
(d) Class A $4,394,591.69 $0.00
Class B $181,790.66 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1993-2 $1,388,890.00
(d) Class A $1,333,333.33
Class B $55,556.67
</TABLE>
<TABLE>
<CAPTION>
13. Class Available Subordinated Amount at the end of the Due Period
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1993-2 Class B $50,000,040.00 6.2500%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $20,833,350.00 $8,333,340.00
Available Amount $20,833,350.00 $8,333,340.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
---------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1993-2 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of December 1, 1993 (the "Series Supplement")
by and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1993-2 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<CAPTION>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $97,780,466.04
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $12,856,420.80
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $3,600,000.00
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $4,044,875.39
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $531,830.36
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $159,725.42
14. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
------------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(c)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1993-3 Monthly Statement
Class A Certificate CUSIP #25466KAC3
Class B Certificate CUSIP #25466KAD1
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of November 23, 1993 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000
of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1993-3 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 30 days at 6.200000000% $5.166666667 $5.166666667 $0.000000000
Class B 30 days at 6.450000000% $5.375000000 $5.375000000 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1993-3 Investor Interest $366,493,000.00
(e) Class A Investor Interest $350,000,000.00
Class B Investor Interest $16,493,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1993-3 Allocations $5,873,256.99 $44,669,493.47 $0.00
(e) Class A Allocations $5,618,903.34 $42,734,987.85 $0.00
Class B Allocations $254,353.65 $1,934,505.62 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1993-3 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1993-3 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1993-3 $1,896,983.21 $9,484,916.05
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1993-3 $2,007,601.24 $0.00
(d) Class A $1,920,657.88 $0.00
Class B $86,943.36 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1993-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1993-3 $610,821.66
(d) Class A $583,333.33
Class B $27,488.33
</TABLE>
<TABLE>
<CAPTION>
13. Class Available Subordinated Amount at the end of the Due Period
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1993-3 Class B $23,822,045.00 6.8063%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $9,162,325.00 $5,497,395.00
Available Amount $9,162,325.00 $5,497,395.00
Amount of Drawings on Credit
Enhancement for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
---------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1993-3 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of November 23, 1993 (the "Series Supplement")
by and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1993-3 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $42,734,987.85
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $5,618,903.34
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $0.00
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $1,934,505.62
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $254,353.65
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $0.00
14. Attached hereto is a true copy of the statement required to be delivered by
the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
---------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(d)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1994-1 Monthly Statement
Class A Certificate CUSIP #25466KAG4
Class B Certificate CUSIP #25466KAH2
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of August 24, 1994 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period
(per $1000 of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1994-1 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 30 days at 6.700000000% $5.583333333 $5.583333333 $0.000000000
Class B 30 days at 6.900000000% $5.750000000 $5.750000000 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1994-1 Investor Interest $263,158,000.00
(e) Class A Investor Interest $250,000,000.00
Class B Investor Interest $13,158,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1994-1 Allocations $4,231,519.80 $32,183,139.00 $0.00
(e) Class A Allocations $4,023,412.27 $30,600,361.67 $0.00
Class B Allocations $208,107.53 $1,582,777.33 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1994-1 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1994-1 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
DuePeriod SIFA Balance
<S> <C> <C>
Series 1994-1 $1,471,491.83 $2,942,983.66
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1994-1 $1,446,421.37 $0.00
(d) Class A $1,375,285.89 $0.00
Class B $71,135.48 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1994-1 $438,596.67
(d) Class A $416,666.67
Class B $21,930.00
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1994-1 Class B $17,105,270.00 6.8421%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $9,210,530.00
Available Amount $0.00 $9,210,530.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
-------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1994-1 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of August 24, 1994 (the "Series Supplement") by
and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1994-1 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $30,600,361.67
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $4,023,412.27
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $0.00
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $1,582,777.33
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $208,107.53
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $0.00
14. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
-----------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(e)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1994-2 Monthly Statement
Class A Certificate CUSIP #25466KAJ8
Class B Certificate CUSIP #25466KAK5
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of October 14, 1994 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000
of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1994-2 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.853910000% $4.715649722 $4.715649722 $0.000000000
Class B 30 days at 8.050000000% $6.708333333 $6.708333333 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1994-2 Investor Interest $894,737,000.00
(e) Class A Investor Interest $850,000,000.00
Class B Investor Interest $44,737,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1994-2 Allocations $14,382,542.70 $109,387,499.77 $0.00
(e) Class A Allocations $13,665,727.87 $103,935,711.20 $0.00
Class B Allocations $716,814.83 $5,451,788.57 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1994-2 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1994-2 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1994-2 $4,308,412.97 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1994-2 $4,916,251.86 $0.00
(d) Class A $4,671,229.66 $0.00
Class B $245,022.20 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1994-2 $1,491,228.34
(d) Class A $1,416,666.67
Class B $74,561.67
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1994-2 Class B $89,473,700.00 10.5263%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $44,736,850.00
Available Amount $0.00 $44,736,850.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
----------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1994-2 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of October 14, 1994 (the "Series Supplement")
by and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1994-2 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $103,935,711.20
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $13,665,727.87
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $4,008,302.26
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $5,451,788.57
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $716,814.83
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $300,110.71
14. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
------------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(f)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1994-3 Monthly Statement
Class A Certificate CUSIP #25466KAL3
Class B Certificate CUSIP #25466KAM1
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of October 20, 1994 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000
of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1994-3 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.693910000% $4.586760833 $4.586760833 $0.000000000
Class B 30 days at 7.750000000% $6.458333333 $6.458333333 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1994-3 Investor Interest $789,474,000.00
(e) Class A Investor Interest $750,000,000.00
Class B Investor Interest $39,474,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1994-3 Allocations $12,671,436.33 $96,373,552.85 $0.00
(e) Class A Allocations $12,047,113.74 $91,625,220.87 $0.00
Class B Allocations $624,322.59 $4,748,331.98 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1994-3 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1994-3 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1994-3 $3,695,006.88 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1994-3 $4,331,360.16 $0.00
(d) Class A $4,117,953.73 $0.00
Class B $213,406.43 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1994-3 $1,315,790.00
(d) Class A $1,250,000.00
Class B $65,790.00
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1994-3 Class B $83,131,612.20 11.0842%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $39,473,700.00
Available Amount $0.00 $39,473,700.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1994-3 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of October 20, 1994 (the "Series Supplement") by
and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1994-3 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $91,625,220.87
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $12,047,113.74
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $3,440,070.63
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $4,748,331.98
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $624,322.59
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $254,936.25
14. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
-----------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(g)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1994-A Monthly Statement
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of December 20, 1994 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000
of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1994-A Total Interest Principal
<S> <C> <C> <C> <C>
Class A 30 days at 5.520012120% $4.600010100 $4.600010100 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1994-A Investor Interest $1,750,000,000.00
(e) Class A Investor Interest $1,750,000,000.00
Class B Investor Interest $0.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1994-A Allocations $28,117,639.74 $213,850,803.42 $0.00
(e) Class A Allocations $28,117,639.74 $213,850,803.42 $0.00
Class B Allocations $0.00 $0.00 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1994-A $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1994-A $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1994-A $8,050,017.68 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 0.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1994-A $9,611,193.35 $0.00
(d) Class A $9,611,193.35 $0.00
Class B $0.00 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-A $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-A $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1994-A $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1994-A $2,916,666.67
(d) Class A $2,916,666.67
Class B $0.00
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1994-A Class B $0.00 0.0000%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $140,000,000.00 $0.00
Available Amount $140,000,000.00 $0.00
Amount of Drawings on Credit
Enhancement for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1994-A Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of December 20, 1994 (the "Series Supplement")
by and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1994-A Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $213,850,803.42
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $28,117,639.74
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
Date is equal to $0.00
7. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $8,050,017.68
8. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
</TABLE>
<PAGE> 6
9. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
--------------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(h)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1995-1 Monthly Statement
Class A Certificate CUSIP #25466KAN9
Class B Certificate CUSIP #25466KAP4
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of April 19, 1995 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000
of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1995-1 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.783910000% $4.659260833 $4.659260833 $0.000000000
Class B 29 days at 5.953910000% $4.796205278 $4.796205278 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1995-1 Investor Interest $631,579,000.00
(e) Class A Investor Interest $600,000,000.00
Class B Investor Interest $31,579,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1995-1 Allocations $10,151,022.91 $77,204,360.78 $0.00
(e) Class A Allocations $9,642,315.61 $73,335,349.53 $0.00
Class B Allocations $508,707.30 $3,869,011.25 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1995-1 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1995-1 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1995-1 $2,947,015.87 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1995-1 $3,469,830.49 $0.00
(d) Class A $3,295,943.77 $0.00
Class B $173,886.72 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1995-1 $1,052,631.67
(d) Class A $1,000,000.00
Class B $52,631.67
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1995-1 Class B $69,473,690.00 11.5789%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $37,894,740.00
Available Amount $0.00 $37,894,740.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1995-1 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of April 19, 1995 (the "Series Supplement") by
and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1995-1 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $73,335,349.53
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $9,642,315.61
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $2,795,556.50
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $3,869,011.25
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $508,707.30
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class B Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $151,459.37
14. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
----------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(i)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1995-2 Monthly Statement
Class A Certificate CUSIP #25466KAQ2
Class B Certificate CUSIP #25466KAR0
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of August 1, 1995 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per
$1000 of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1995-2 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 30 days at 6.550000000% $5.458333333 $5.458333333 $0.000000000
Class B 30 days at 6.750000000% $5.625000000 $5.625000000 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1995-2 Investor Interest $526,316,000.00
(e) Class A Investor Interest $500,000,000.00
Class B Investor Interest $26,316,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1995-2 Allocations $8,439,916.53 $64,190,413.86 $0.00
(e) Class A Allocations $8,023,701.47 $61,024,859.20 $0.00
Class B Allocations $416,215.06 $3,165,554.66 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1995-2 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1995-2 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1995-2 $2,877,194.17 $5,754,388.34
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1995-2 $2,884,938.79 $0.00
(d) Class A $2,742,667.84 $0.00
Class B $142,270.95 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1995-2 $877,193.33
(d) Class A $833,333.33
Class B $43,860.00
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1995-2 Class B $34,210,540.00 6.8421%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $15,789,480.00
Available Amount $0.00 $15,789,480.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1995-2 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of August 1, 1995 (the "Series Supplement") by
and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1995-2 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $61,024,859.20
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $8,023,701.47
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $0.00
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $3,165,554.66
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $416,215.06
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $0.00
14. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
--------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(j)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1995-3 Monthly Statement
Class A Certificate CUSIP #25466KAS8
Class B Certificate CUSIP #25466KAT6
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of September 28, 1995 relating to
the Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000
of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1995-3 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.713910000% $4.602871944 $4.602871944 $0.000000000
Class B 29 days at 5.833910000% $4.699538611 $4.699538611 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1995-3 Investor Interest $526,316,000.00
(e) Class A Investor Interest $500,000,000.00
Class B Investor Interest $26,316,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1995-3 Allocations $8,439,916.53 $64,190,413.86 $0.00
(e) Class A Allocations $8,023,701.47 $61,024,859.20 $0.00
Class B Allocations $416,215.06 $3,165,554.66 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1995-3 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1995-3 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1995-3 $2,425,109.03 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1995-3 $2,884,938.79 $0.00
(d) Class A $2,742,667.84 $0.00
Class B $142,270.95 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1995-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1995-3 $877,193.33
(d) Class A $833,333.33
Class B $43,860.00
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1995-3 Class B $57,894,760.00 11.5790%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $31,578,960.00
Available Amount $0.00 $31,578,960.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1995-3 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of September 28, 1995 (the "Series Supplement")
by and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1995-3 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $61,024,859.20
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $8,023,701.47
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $2,301,435.97
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $3,165,554.66
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $416,215.06
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to
$0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $123,673.06
14. Attached hereto is a true copy of the statement required to be
delivered by the Master Servicer on the date of this Certificate to the
Trustee pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
---------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(k)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1996-1 Monthly Statement
Class A Certificate CUSIP #25466KAU3
Class B Certificate CUSIP #25466KAV1
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of January 18, 1996 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per
$1000 of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1996-1 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.673910000% $4.570649722 $4.570649722 $0.000000000
Class B 29 days at 5.803910000% $4.675371944 $4.675371944 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1996-1 Investor Interest $1,052,632,000.00
(e) Class A Investor Interest $1,000,000,000.00
Class B Investor Interest $52,632,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1996-1 Allocations $16,926,079.19 $128,732,556.00 $0.00
(e) Class A Allocations $16,070,526.01 $122,225,582.54 $0.00
Class B Allocations $855,553.18 $6,506,973.46 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1996-1 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1996-1 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1996-1 $4,816,723.90 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1996-1 $5,785,685.47 $0.00
(d) Class A $5,493,239.62 $0.00
Class B $292,445.85 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-1 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1996-1 $1,754,386.67
(d) Class A $1,666,666.67
Class B $87,720.00
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1996-1 Class B $105,263,200.00 10.5263%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $57,894,760.00
Available Amount $0.00 $57,894,760.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
---------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1996-1 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of January 18, 1996 (the "Series Supplement") by
and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1996-1 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $122,225,582.54
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $16,070,526.01
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $4,570,649.72
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $6,506,973.46
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $855,553.18
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class B Cumulative Investor Charged-Off
Amount is equal to $0.00
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $246,074.18
14. Attached hereto is a true copy of the statement required to be delivered
by the Master Servicer on the date of this Certificate to the Trustee
pursuant to Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
--------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(l)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1996-2 Monthly Statement
Class A Certificate CUSIP #25466KAW9
Class B Certificate CUSIP #25466KAX7
<TABLE>
<S> <C>
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
</TABLE>
Pursuant to the Series Supplement dated as of January 29, 1996 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period
(per $1000 of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1996-2 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.723910000% $4.610927500 $4.610927500 $0.000000000
Class B 29 days at 5.863910000% $4.723705278 $4.723705278 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1996-2 Investor Interest $947,369,000.00
(e) Class A Investor Interest $900,000,000.00
Class B Investor Interest $47,369,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1996-2 Allocations $15,214,972.83 $115,718,609.09 $0.00
(e) Class A Allocations $14,451,911.88 $109,915,092.22 $0.00
Class B Allocations $763,060.95 $5,803,516.87 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1996-2 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1996-2 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
Due Period SIFA Balance
<S> <C> <C>
Series 1996-2 $4,373,591.95 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1996-2 $5,200,793.77 $0.00
(d) Class A $4,939,963.69 $0.00
Class B $260,830.08 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-2 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1996-2 $1,578,948.33
(d) Class A $1,500,000.00
Class B $78,948.33
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1996-2 Class B $104,210,590.00 11.5790%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $56,842,140.00
Available Amount $0.00 $56,842,140.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
-------------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1996-2 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of January 29, 1996 (the "Series Supplement")
by and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1996-2 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due Period
is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during the
related Due Period is equal to $109,915,092.22
5. The aggregate amount of Class A Finance Charge Collections processed during
the related Due Period is equal to $14,451,911.88
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class A Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $4,149,834.75
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $5,803,516.87
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $763,060.95
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class B Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $223,757.20
14. Attached hereto is a true copy of the statement required to be delivered by
the Master Servicer on the date of this Certificate to the Trustee pursuant to
Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
-------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(m)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1996-3 Monthly Statement
Class A Certificate CUSIP #25466KAY5
Class B Certificate CUSIP #25466KAZ2
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
Pursuant to the Series Supplement dated as of February 21, 1996 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000
of Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1996-3 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 30 days at 6.050000000% $5.041666667 $5.041666667 $0.000000000
Class B 30 days at 6.250000000% $5.208333333 $5.208333333 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1996-3 Investor Interest $631,579,000.00
(e) Class A Investor Interest $600,000,000.00
Class B Investor Interest $31,579,000.00
</TABLE>
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
(a) Allocation of Collections between Investor and Seller
<S> <C> <C> <C>
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1996-3 Allocations $10,151,022.91 $77,204,360.78 $0.00
(e) Class A Allocations $9,642,315.61 $73,335,349.53 $0.00
Class B Allocations $508,707.30 $3,869,011.25 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
Deposits into the SPFAs
<TABLE>
<CAPTION>
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1996-3 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1996-3 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
DuePeriod SIFA Balance
<S> <C> <C>
Series 1996-3 $3,189,473.96 $6,378,947.92
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1996-3 $3,469,830.49 $0.00
(d) Class A $3,295,943.77 $0.00
Class B $173,886.72 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<CAPTION>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-3 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1996-3 $1,052,631.67
(d) Class A $1,000,000.00
Class B $52,631.67
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1996-3 Class B $37,894,740.00 6.3158%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $18,947,370.00
Available Amount $0.00 $18,947,370.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
-----------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1996-3 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of February 21, 1996 (the "Series Supplement")
by and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1996-3 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $73,335,349.53
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $9,642,315.61
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class A Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $0.00
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $3,869,011.25
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $508,707.30
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class B Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $0.00
14. Attached hereto is a true copy of the statement required to be delivered by
the Master Servicer on the date of this Certificate to the Trustee pursuant to
Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
-------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(n)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1996-4 Monthly Statement
Class A Certificate CUSIP #25466KBA6
Class B Certificate CUSIP #25466KBB4
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
Pursuant to the Series Supplement dated as of April 30, 1996 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000 of
Class Initial Investor Interest)
<TABLE>
<CAPTION>
Series 1996-4 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.878910000% $4.735788611 $4.735788611 $0.000000000
Class B 29 days at 6.053910000% $4.876760833 $4.876760833 $0.000000000
</TABLE>
2. Principal Receivables at the end of the Due Period
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1996-4 Investor Interest $1,052,632,000.00
(e) Class A Investor Interest $1,000,000,000.00
Class B Investor Interest $52,632,000.00
3. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1996-4 Allocations $16,926,079.19 $128,732,556.00 $0.00
(e) Class A Allocations $16,070,526.01 $122,225,582.54 $0.00
Class B Allocations $855,553.18 $6,506,973.46 $0.00
</TABLE>
<PAGE> 2
4. Information Concerning the Series Principal Funding Accounts ("SPFA")
Deposits into the SPFAs
<TABLE>
<CAPTION>
This Due Total Deposit Deficit Investment
Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1996-4 $0.00 $0.00 0.00 $0.00
</TABLE>
5. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1996-4 $0.00 $0.00 $0.00
</TABLE>
6. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the
SIFAs This
DuePeriod SIFA Balance
<S> <C> <C>
Series 1996-4 $4,992,462.29 $0.00
</TABLE>
7. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
8. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative
Investor
Charged-Off
This Due Period Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1996-4 $5,785,685.47 $0.00
(d) Class A $5,493,239.62 $0.00
Class B $292,445.85 $0.00
</TABLE>
9. Investor Losses This Due Period
<TABLE>
<CAPTION>
Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-4 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
10. Reimbursement of Investor Losses This Due Period Per $1,000 of
Original Invested
Total Principal
<S> <C> <C>
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-4 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
<TABLE>
<S> <C> <C>
11. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of
Original Invested
Total Principal
(a) Group One $0.00 $0.00
(b) Group Two $0.00 $0.00
(c) Series 1996-4 $0.00 $0.00
(d) Class A $0.00 $0.00
Class B $0.00 $0.00
</TABLE>
12. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1996-4 $1,754,386.67
(d) Class A $1,666,666.67
Class B $87,720.00
</TABLE>
13. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1996-4 Class B $115,789,520.00 11.5790%
</TABLE>
14. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $63,157,920.00
Available Amount $0.00 $63,157,920.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
<PAGE> 4
15. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
----------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1996-4 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of April 30, 1996 (the "Series Supplement") by
and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1996-4 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996:
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
4. The aggregate amount of Class A Principal Collections processed during
the related Due Period is equal to $122,225,582.54
5. The aggregate amount of Class A Finance Charge Collections processed
during the related Due Period is equal to $16,070,526.01
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution
date is equal to $0.00
7. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class A Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class A Investor Interest is equal to $0.00
8. The sum of all amounts payable to the Class A Certificateholders
on the current Distribution Date is equal to $4,735,788.61
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
9. The aggregate amount of Class B Principal Collections processed during
the related Due Period is equal to $6,506,973.46
10. The aggregate amount of Class B Finance Charge Collections processed
during the related Due Period is equal to $855,553.18
11a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
11b. The aggregate amount of Class B Additional Funds for this Distribution
date is equal to $0.00
12. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class B Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class B Investor Interest is equal to $0.00
13. The sum of all amounts payable to the Class B Certificateholders
on the current Distribution Date is equal to $256,673.68
14. Attached hereto is a true copy of the statement required to be delivered by
the Master Servicer on the date of this Certificate to the Trustee pursuant to
Section 16 of the Series Supplement.
</TABLE>
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
---------------------------------
Vice President, Director of Accounting,
and Treasurer
<PAGE> 1
EXHIBIT 20(o)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Master Trust I
Series 1996-5 Monthly Statement
Class A Certificate:
German Security Code 133 260
International Security Identification #(ISIN) DE 000 133 260 9
Common Code #(DKV, Cedel, Euroclear) 677 6388
Class B Certificate: CUSIP #25466KBC2
Trust Distribution Date: October 15, 1996 Due Period Ending: September 30, 1996
Interest Payment Date: October 17, 1996
Pursuant to the Series Supplement dated as of July 24, 1996 relating to the
Pooling and Servicing Agreement dated as of October 1, 1993 by and between
Greenwood Trust Company and First Bank National Association, as Trustee, the
Trustee is required to prepare certain information each month regarding current
distributions to Certificateholders and the performances of the Trust. The
information for the Due Period and the Trust Distribution Date listed above is
set forth below:
1. Payments for the benefit of Series Investors this Due Period (per $1000 of
Class Initial Investor Interest)
<TABLE>
<CAPTION>
1996-5 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 5.707500000% $4.597708333 $4.597708333 $0.000000000
Class B 29 days at 5.875000000% $4.732638889 $4.732638889 $0.000000000
</TABLE>
2. Payments due from the Swap Counterparty for the benefit of Class A
Investors this Due Period (per DM 1000 of Class Initial Foreign Currency
Investor Interest)
<TABLE>
<CAPTION>
1996-5 Total Interest Principal
<S> <C> <C> <C> <C>
Class A 29 days at 3.413750000% DM2.749965278 DM2.749965278 DM0.000000000
</TABLE>
3. Class A DM Invested Amount
<TABLE>
<CAPTION>
1996-5
<S> <C>
Class A DM1,250,000,000.00
</TABLE>
4. Principal Receivables at the end of the Due Period
<TABLE>
<S> <C>
(a) Aggregate Investor Interest $11,925,796,676.00
Seller Interest $2,575,671,713.76
Total Master Trust $14,501,468,389.76
(b) Group One Investor Interest $10,175,796,676.00
(c) Group Two Investor Interest $1,750,000,000.00
(d) Series 1996-5 Investor Interest $862,304,676.00
(e) Class A Investor Interest $819,188,676.00
Class B Investor Interest $43,116,000.00
</TABLE>
<PAGE> 2
5. Allocation of Receivables Collected During the Due Period
<TABLE>
<CAPTION>
Finance Charge Principal Yield
Collections Collections Collections
<S> <C> <C> <C>
(a) Allocation of Collections between Investor and Seller
Aggregate Investor Allocation. $191,574,543.84 $1,457,034,462.43 $0.00
Seller $39,656,046.19 $301,607,013.04 $0.00
(b) Group One Allocation $163,456,904.10 $1,243,183,659.01 $0.00
(c) Group Two Allocation $28,117,639.74 $213,850,803.42 $0.00
(d) Series 1996-5 Allocations $13,850,712.34 $105,342,624.38 $0.00
(e) Class A Allocations $13,157,020.57 $100,066,699.95 $0.00
Class B Allocations $693,691.77 $5,275,924.43 $0.00
</TABLE>
6. Information Concerning the Series Principal Funding Accounts ("SPFA")
<TABLE>
<CAPTION>
Deposits into the SPFAs Total Deposit Deficit Investment
This Due Period Deposits Amount Income
<S> <C> <C> <C> <C>
Series 1996-5 $0.00 $0.00 0.00 $0.00
</TABLE>
7. Information Concerning Amount of Controlled Liquidation Payments
<TABLE>
<CAPTION>
Total Payments
Amount Paid Deficit Amount Through This
This Due Period This Due Period Due Period
<S> <C> <C> <C>
Series 1996-5 $0.00 $0.00 $0.00
</TABLE>
8. Information Concerning the Series Interest Funding Accounts ("SIFA")
<TABLE>
<CAPTION>
Deposits Into the SIFAs
This Due Period SIFA Balance
<S> <C> <C>
Series 1996-5 $3,970,443.06 $0.00
</TABLE>
9. Pool Factors
<TABLE>
<CAPTION>
This Due Period
<S> <C>
Class A 1.00000000
Class B 1.00000000
</TABLE>
10. Investor Charged-Off Amount
<TABLE>
<CAPTION>
Cumulative Investor
This Due Period Charge-Off Amount
<S> <C> <C>
(a) Group One $55,872,965.26 $0.00
(b) Group Two $9,611,193.35 $0.00
(c) Series 1996-5 $4,734,461.20 $0.00
(d) Class A $4,497,342.94 $0.00
Class B $237,118.26 $0.00
</TABLE>
<PAGE> 3
<TABLE>
<CAPTION>
11. Investor Losses This Due Period Per $1,000 of Per DM 1,000 of
Original Invested Original Invested
Total Principal Principal
<S> <C> <C> <C>
(a) Group One $0.00 $0.00 N/A
(b) Group Two $0.00 $0.00 N/A
(c) Series 1996-5 $0.00 $0.00 N/A
(d) Class A $0.00 $0.00 DM0.00
Class B $0.00 $0.00 N/A
</TABLE>
<TABLE>
<CAPTION>
12. Reimbursement of Investor Losses This Due Period Per $1,000 of Per DM 1,000 of
Original Invested Original Invested
Total Principal Principal
<S> <C> <C> <C>
(a) Group One $0.00 $0.00 N/A
(b) Group Two $0.00 $0.00 N/A
(c) Series 1996-5 $0.00 $0.00 N/A
(d) Class A $0.00 $0.00 DM0.00
Class B $0.00 $0.00 N/A
</TABLE>
<TABLE>
<CAPTION>
13. Aggregate Amount of Unreimbursed Investor Losses Per $1,000 of Per DM 1,000 of
Original Invested Original Invested
Total Principal Principal
<S> <C> <C> <C>
(a) Group One $0.00 $0.00 N/A
(b) Group Two $0.00 $0.00 N/A
(c) Series 1996-5 $0.00 $0.00 N/A
(d) Class A $0.00 $0.00 DM0.00
Class B $0.00 $0.00 N/A
</TABLE>
14. Investor Monthly Servicing Fee Payable at the end of the Due Period
<TABLE>
<S> <C>
(a) Group One $16,959,661.13
(b) Group Two $2,916,666.67
(c) Series 1996-5 $1,437,174.46
(d) Class A $1,365,314.46
Class B $71,860.00
</TABLE>
15. Class Available Subordinated Amount at the end of the Due Period
<TABLE>
<CAPTION>
As a Percentage
of Class A
Total Invested Amount
<S> <C> <C>
Series 1996-5 Class B $86,230,468.00 10.5263%
</TABLE>
<PAGE> 4
16. Total Available Credit Enhancement Amounts
<TABLE>
<CAPTION>
Shared Amount Class B Amount
<S> <C> <C>
Maximum Amount $0.00 $47,426,758.00
Available Amount $0.00 $47,426,758.00
Amount of Drawings on Credit Enhancement
for this Due Period $0.00 $0.00
</TABLE>
17. Delinquency Summary
End of Due Period Master Trust Receivables Outstanding $14,726,950,088.54
<TABLE>
<CAPTION>
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
<S> <C> <C>
30-59 days $422,845,354.67 2.87%
60-179 days $609,433,877.34 4.14%
</TABLE>
FIRST BANK NATIONAL ASSOCIATION
as Trustee
BY:
----------------------------
Vice President
<PAGE> 5
MASTER SERVICER'S CERTIFICATE STATEMENT
Discover Card Master Trust I
Series 1996-5 Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Greenwood Trust
Company ("Greenwood"), as Master Servicer pursuant to the Pooling & Servicing
Agreement dated as of October 1, 1993 (the"Pooling & Servicing Agreement") and
the Series Supplement, dated as of July 24, 1996 (the "Series Supplement") by
and between Greenwood and First Bank National Association, as Trustee, does
hereby certify as follows with respect to the Supplement Discover Card Master
Trust I, Series 1996-5 Master Trust Certificates for the Distribution Date
occurring on October 15, 1996, for the Interest Payment Date occurring on
October 17, 1996.
<TABLE>
<S> <C>
1. Greenwood is Master Servicer under the Pooling and Servicing Agreement.
2. The undersigned is a Servicing Officer of Greenwood as Master Servicer.
3. The aggregate amount of Collections processed during the related Due
Period is equal to $1,989,872,065.46
</TABLE>
<PAGE> 6
<TABLE>
<S> <C>
4. The aggregate amount of Class A Principal Collections processed during the
related Due Period is equal to $100,066,699.95
5. The aggregate amount of Class A Finance Charge Collections processed during
the related Due Period is equal to $13,157,020.57
6a. The aggregate amount of Class A Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
6b. The aggregate amount of Class A Additional Funds for this Distribution date
is equal to $0.00
7. The aggregate amount of Class A Certificate Interest paid to the Currency
Swap Counterparty with respect to this Distribution Date is equal to $11,039,420.73
8. The aggregate amount of Class A DM Certificate Interest received from the
Currency Swap Counterparty with respect to this Distribution Date is equal
to DM 10,075,303.82
9. The aggregate amount of Class A Certificate Interest converted into Deutsche
Marks by the Trustee at the then prevailing spot exchange rate in New York
with respect to this Distribution Date is equal to DM 0.00
10. The aggregate amount of Class A Certificate Principal paid to the Currency
Swap Counterparty with respect to this Distribution Date is equal to $0.00
11. The aggregate amount of Class A DM Certificate Principal received from the
Currency Swap Counterparty with respect to this Distribution Date is equal
to DM 0.00
12. The aggregate amount of Class A Certificate Principal converted into
Deutsche Marks by the Trustee at the then prevailing spot exchange rate in
New York with respect to this Distribution Date is equal to DM 0.00
13. The amount of drawings under the Credit Enhancement required to be
made on the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class A Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class A Investor Interest is equal to $0.00
14. The sum of all amounts payable to Class A Certificateholders
on the current Interest Payment Date is equal to DM 10,075,303.82
</TABLE>
<PAGE> 7
<TABLE>
<S> <C>
15. The aggregate amount of Class B Principal Collections processed during the
related Due Period is equal to $5,275,924.43
16. The aggregate amount of Class B Finance Charge Collections processed during
the related Due Period is equal to $693,691.77
17a. The aggregate amount of Class B Principal Collections recharacterized as
Series Yield Collections during the related Due Period is equal to $0.00
17b. The aggregate amount of Class B Additional Funds for this Distribution date
is equal to $0.00
18. The aggregate amount of Class B Certificate Interest paid to the Currency
Swap Counterparty with respect to this Distribution Date is equal to N/A
19. The aggregate amount of Class B DM Certificate Interest received from the
Currency Swap Counterparty with respect to this Distribution Date is equal
to N/A
20. The aggregate amount of Class B Certificate Interest converted into
Deutsche Marks by the Trustee at the then prevailing spot exchange rate in
New York with respect to this Distribution Date is equal to N/A
21. The aggregate amount of Class B Certificate Principal paid to the Currency
Swap Counterparty with respect to this Distribution Date is equal to N/A
22. The aggregate amount of Class B DM Certificate Principal received from the
Currency Swap Counterparty with respect to this Distribution Date is equal
to N/A
23. The aggregate amount of Class B Certificate Principal converted into
Deutsche Marks by the Trustee at the then prevailing spot exchange rate in
New York with respect to this Distribution Date is equal to N/A
24. The amount of drawings under the Credit Enhancement required to be made on
the related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class B Required Amount Shortfall $0.00
is equal to
(b) with respect to the Class B Cumulative Investor Charged-Off $0.00
Amount is equal to
(c) with respect to the Class B Investor Interest is equal to $0.00
25. The sum of all amounts payable to the Class B Certificateholders
on the current Interest Payment Date is equal to $598,084.79
</TABLE>
<PAGE> 8
26. Attached hereto is a true copy of the statement required to be delivered by
the Master Servicer on the date of this Certificate to the Trustee pursuant
to Section 16 of the Series Supplement.
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of October, 1996.
GREENWOOD TRUST COMPANY
as Master Servicer
By:
-------------------------
Vice President, Director of Accounting,
and Treasurer
N/A - Not Applicable
