<PAGE> 1
PROSPECTUS SUPPLEMENT This Prospectus Supplement,
FOR THE PERIOD ENDING filed pursuant to Rule 424(b)(3),
NOVEMBER 30, 1999 TO relates to Registration Statement
PROSPECTUS DATED No. 33-57302-02 and the
JANUARY 26, 1993 Prospectus dated January 26, 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): December 15, 1999
DISCOVER CARD TRUST 1993 B
--------------------------
(Exact name of Registrant as specified in its charter)
Delaware 0-21506 Not Applicable
- -------- ------- --------------
(State of (Commission (IRS Employer
organization) File Number) Identification No.)
c/o Discover Receivables Financing Group, Inc.
12 Read's Way
New Castle, Delaware 19720
- ---------------------------------------------------------------------
(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (302) 323-7826
Not Applicable
--------------
(Former address, if changed since last report)
Page 1 of 14
Index to Exhibits is on page 4
<PAGE> 2
Item 5. Other Events
On December 15, 1999 the Registrant made available the Monthly
Certificateholders' Statement for the Due Period of November 1999, which is
attached as Exhibit 21 hereto.
Item 7. Financial Statements and Exhibits
(c) Exhibits
<TABLE>
<CAPTION>
Exhibit No. Description
- ----------- -----------
<S> <C>
21 Monthly Certificateholders' Statement for Discover Card Trust
1993 B related to the Due Period ending November 30, 1999.
</TABLE>
2
<PAGE> 3
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 TRUST 1993 B
(Registrant)
By: DISCOVER RECEIVABLES FINANCING
GROUP, INC.
as originator of the Trust
By: Richard W. York
------------------------------
Richard W. York
Vice President
Date: December 15, 1999
3
<PAGE> 4
EXHIBIT INDEX
<TABLE>
<CAPTION>
Exhibit No. Description
- ----------- -----------
<S> <C>
21 Monthly Certificateholders' Statement for Discover Card Trust
1993 B related to the Due Period ending November 30, 1999.
</TABLE>
4
<PAGE> 1
EXHIBIT 21
MONTHLY CERTIFICATEHOLDERS' STATEMENT
Discover Card Trust 1993 B
--------------------------------------
CREDIT CARD
PASS-THROUGH CERTIFICATES
-----------------------------------------------------
Under the Pooling and Servicing Agreement dated as of Feb. 1, 1993 (the
"Agreement") by and among Greenwood Trust Company (the "Servicer") , Discover
Receivables Financing Group and Wilmington Trust Company, as Trustee ,the
Servicer is required to prepare certain information each month regarding current
distributions to Investor Certificateholders and the performance of the Trust
during the previous month. The information which is required to be prepared with
respect to the distribution of December 15, 1999 , and with respect to the
performance of the Trust during the Due Period ended in November 30, 1999 ,is
set forth below. Certain of the information is presented on the basis of an
original principal amount of $1,000 per Class A Certificate. Certain other
information is presented based on the aggregate amounts for the Trust as a
whole.
Information Regarding the Current Monthly Distribution (stated on the basis
of $1,000 original principal amount).
- -------------------------------------
1. The total amount of the distribution to Class A Certificate-
holders on December 15, 1999 , per $1,000 interest .....
........................................... $ 0.000000000
2. The total amount of the distribution to Class B Certificate-
holders on December 15, 1999 , per $1,000 interest .....
........................................... $ 0.000000000
3. The amount of the distribution set forth in paragraph 1 above
in respect of interest on the Class A Certificates , per
$1,000 interest ........................... $ 0.000000000
4. The amount of the distribution set forth in paragraph 2 above
in respect of interest on the Class B Certificates , per
$1,000 interest ........................... $ 0.000000000
<PAGE> 2
5. The amount of the distribution set forth in paragraph 1 above
in respect of principal on the Class A Certificates , per
$1,000 interest ........................... $ 0.000000000
6. The amount of the distribution set forth in paragraph 2 above
in respect of principal on the Class B Certificates , per
$1,000 interest ........................... $ 0.000000000
Information Regarding the Performance of the Trust.
1. Collections of Receivables.
(a) The aggregate amount of Finance Charge Collections processed
during the related Due Period .......... $ 4,321,272.30
(b) The aggregate amount of Principal Collections processed
during the related Due Period .......... $ 60,548,424.07
(c) The aggregate amount of Finance Charge Collections processed
during the related Due Period which was allocated in respect
of the Investor Certificates ........... $ 3,554,678.60
(d) The aggregate amount of Principal Collections processed during
the related Due Period which was allocated in respect of the
Investor Certificates .................. $ 48,892,852.44
(e) The aggregate amount of Finance Charge Collections processed
during the related Due Period which was allocated in respect
of the Class A Certificates ............ $ 3,231,447.43
(f) The aggregate amount of Principal Collections processed during
the related Due Period which was allocated in respect of the
Class A Certificates ................... $ 44,448,598.11
(g) The aggregate amount of Finance Charge Collections processed
during the related Due Period which was allocated in respect
of the Class B Certificates ............ $ 323,231.17
(h) The aggregate amount of Principal Collections processed during
the related Due Period which was allocated in respect of the
Class B Certificates ................... $ 4,444,254.33
(i) The aggregate amount of Finance Charge Collections processed
during the related Due Period which was allocated in respect
of the Seller Certificate .............. $ 766,593.70
<PAGE> 3
(j) The aggregate amount of Principal Collections processed during
the related Due Period which was allocated in respect of the
Seller Certificate ..................... $ 11,655,571.63
2. Principal Receivables in the Trust; Principal Funding Account.
(a) The aggregate amount of Principal Receivables in the Trust
as of the end of the Due Period ended in November 30, 1999
(which reflects the Principal Receivables represented by the
Seller Certificate and the Investor Certificates) .........
........................................ $ 318,472,064.92
(b) The amount of Principal Receivables in the Trust rep-
resented by the Class A Certificates (the "Class A
Interest") as of the Due Period Ended in November 30, 1999
........................................ $ 38,333,333.30
(c) The amount of Principal Receivables in the Trust rep-
resented by the Class B Certificates (the "Class B
Interest") as of the Due Period Ended in November 30, 1999
........................................ $ 23,000,000.00
(d) The Class A Interest and the Class B Interest set forth in
paragraph 2 (b) and 2 (c) above as a percentage of the
aggregate amount of Principal Receivables set forth in
paragraph 2 (a) above .................. 19.26%
(e) The Class A Interest set forth in paragraph 2 (b) above as a
percentage of the aggregate amount of Principal Receivables
set forth in paragraph 2 (a) above ..... 12.04%
(f) The Class B Interest set forth in paragraph 2 (c) above as a
percentage of the aggregate amount of Principal Receivables
set forth in paragraph 2 (a) above ..... 7.22%
(g) The Aggregate Invested Amount as of the end of the current
Distribution Date ...................... $ 253,000,000.00
(h) The Invested Amount as of the end of the current
Distribution Date with respect to the Class A
Certificates ........................... $ 230,000,000.00
(i) The Invested Amount as of the end of the current
Distribution Date with respect to the Class B
Certificates ........................... $ 23,000,000.00
(j) The total amount to be deposited into the Principal
Funding Account in respect of Principal Collections
on such Distribution Date .............. $ 19,166,666.67
<PAGE> 4
(k) The amount of the deposit referred to in paragraph 2(j)
which was allocated in respect of the Class A
Certificates ........................... $ 19,166,666.67
(l) The amount of the deposit referred to in paragraph 2(j)
into the Principal Funding Account on such Distribtion
Date which was allocated in respect of the Class B
Certificates ........................... $ 0.00
(m) The total amount on deposit in the Principal Funding
Account on such Distribution Date
(after giving effect to the deposit referred to in
paragraph 2(j) ......................... $ 191,666,666.70
(n) The total amount on deposit in the Principal Funding
Account on such Distribution Date for the benefit
of the Class A Certificates
(after giving effect to the deposit referred to in
paragraph 2(k) ......................... $ 191,666,666.70
(o) The total amount on deposit in the Principal Funding
Account on such Distribution Date for the benefit
of the Class B Certificates
(after giving effect to the deposit referred to in
paragraph 2(l) ......................... $ 0.00
(p) The total amount of Investment Income since the last
Distribution Date ...................... $ 779,758.91
(q) The total amount of Investment Income since the last
Distribution Date in respect of the Class A
Certificates ........................... $ 779,758.91
(r) The total amount of Investment Income since the last
Distribution Date in respect of the Class B
Certificates ........................... $ 0.00
(s) The Deficit Accumulation Amount (after giving effect to
the deposit referred in paragraph 2(j)...$ 0.00
3. Interest Funding Account.
(a) The total amount to be deposited into the Interest
Funding Account in respect of Certificate Interest on
such Distribution Date ................. $ 1,429,833.33
(b) The amount of Certificate Interest to be deposited
into the Interest Funding Account on such Distribution
Date in respect of the Class A
Certificates ........................... $ 1,293,750.00
<PAGE> 5
(c) The amount of Certificate Interest to be deposited
into the Interest Funding Account on such Distribtion
Date in respect of the Class B
Certificates ........................... $ 136,083.33
(d) The total amount on deposit in the Interest Funding
Account in respect of Certificate Interest on such
Distribution Date (after giving effect to the deposit
referred to in paragraph 3(a) .......... $ 5,719,333.32
(e) The total amount of Certificate Interest on deposit
in the Interest Funding Account on such Distribution
Date in respect of the Class A Certificates
(after giving effect to the deposit referred to in
paragraph 3(b) ......................... $ 5,175,000.00
(f) The total amount of Certificate Interest on deposit
in the Interest Funding Account on such Distribution
Date in respect of the Class B Certificates
(after giving effect to the deposit referred to in
paragraph 3(c) ......................... $ 544,333.32
4. Investor Charged-Off Amount.
(a) The aggregate amount of Receivables charged-off as uncolle-
ctible during the Due Period ended in November 30, 1999
allocable to the Investor Certificates (the "Investor
Charged-Off Amount") .................. $ 343,441.80
(b) The aggregate amount of Receivables charged-off as Uncolle-
ctible during the Due Period ended in November 30, 1999
allocable to the Class A Certificates (the "Class A
Charged-Off Amount") .................. $ 245,315.57
(c) The sum of (i) the aggregate amount of Receivables charged-off
as uncollectible during the Due Period ended in November 30,
1999 allocable to the Class B Cert- ficates and (ii) the sum of
(a) the positive difference, if any, between the Class B
Subordinated Payment and Class B Finance Charge Collections
(less Class B Excess Servicing) and (b) the amount by which the
Investor Interest for the Class B Certificates is reduced
pursuant to subsection 4.03(c) (i)(C)(the "Class B Charged-Off
Amount")............................... $ 169,017.22
(d) The Cumulative Class A Charged-Off Amount on ..........
............ December 15, 1999 ........ $ 0.00
(e) The Cumulative Class B Charged-Off Amount on ..........
............ December 15, 1999 ........ $ 0.00
<PAGE> 6
5. Investor losses; Reimbursement of Charge-Offs.
(a) The amount of Class A Investor Loss , as defined in
Section 4.06 (b) of the Agreement , during the Due Period
ended in November 30, 1999 ......... $ 0.00
(b) The amount of Class B Investor Loss , as defined in
Section 4.06 (b) of the Agreement , during the Due Period
ended in November 30, 1999 ......... $ 0.00
(c) The amount of Class A Investor Loss set forth in Paragraph 5
(a) above, per $1,000 interest ( which will have the effect
of reducing, pro rata, the amount of each Class A Certficate-
holder's investment) ................... $ 0.000000000
(d) The amount of Class B Investor Loss set forth in Paragraph 5
(b) above, per $1,000 interest ( which will have the effect
of reducing, pro rata, the amount of each Class B Certficate-
holder's investment) ................... $ 0.000000000
(e) The total amount reimbursed to the Trust in the current
month pursuant to Section 4.06 (c) of the Agreement,
if any, in respect of Class A Investor Losses in prior months
........................................ $ 0.00
(f) The total amount reimbursed to the Trust in the current
month pursuant to Section 4.06 (c) of the Agreement,
if any, in respect of Class B Investor Losses in prior months
........................................ $ 0.00
(g) The amount set forth in paragraph 5 (e) above, per $1,000
interest (which will have the effect of increasing, pro rata,
the amount of each Class A Certificateholder's investment)
........................................ $ 0.000000000
(h) The amount set forth in paragraph 5 (f) above, per $1,000
interest (which will have the effect of increasing, pro rata,
the amount of each Class B Certificateholder's investment)
........................................ $ 0.000000000
(i) The aggregate amount of Class A Investor Losses in
the Trust as of the end of the day on December 15, 1999
........................................ $ 0.00
(j) The aggregate amount of Class B Investor Losses in
the Trust as of the end of the day on December 15, 1999
........................................ $ 0.00
<PAGE> 7
(k) The amount set forth in paragraph 5 (i) above , per $1,000
interest (which will have had the effect of reducing , pro
rata , the amount of Class A Certificateholder's
investment ) ........................... $ 0.000000000
(l) The amount set forth in paragraph 5 (j) above , per $1,000
interest (which will have had the effect of reducing , pro
rata , the amount of Class B Certificateholder's
investment ) ........................... $ 0.000000000
6. Investor Servicing Fee.
(a) The amount of the Class A Monthly Servicing Fee payable by
the Trust to the Servicer for the month of November 30, 1999
..................................... $ 95,853.13
(b) The amount of the Class B Monthly Servicing Fee payable by
the Trust to the Servicer for the month of November 30, 1999
..................................... $ 38,341.25
7. Available Subordinated Amount.
(a) The amount available to be applied pursuant to Sections
4.03 (c) (i) (B) and (C) of the Agreement as of the end of
the day on December 15, 1999 ........ $ 23,000,000.00
(b) The amount set forth in paragraph 7(a) above as a percentage of
the Class A Interest. .................... 60.00%
8. Available Class B Credit Enhancement Amount.
(a) The amount available to be drawn under the Class B Credit
Enhancement pursuant to Sections 4.03 (c) (i) (G) and (H) of
the Agreement as of the end of the day on December 15, 1999
........................................ $ 12,650,000.00
(b) The amount set forth in paragraph 8(a) above as a percentage of
the Class B Interest. .................... 55.00%
<PAGE> 8
9. The Pool Factor.
The Pool Factor represents the ratio of the amount of the Class A
Invested amount as of the end of the day on December 15, 1999
to the amount of the Class A Invested Amount as of the Closing
Date. The amount of a Class A Certificateholder's pro rata share
of the Class A Invested Amount can be determined by multiplying
the original denomination of the Class A Certificateholder's
Certificate by the Pool Factor ........... 1.00000000
The Pool Factor represents the ratio of the amount of the Class B
Invested amount as of the end of the day on December 15, 1999
to the amount of the Class B Invested Amount as of the Closing
Date. The amount of a Class B Certificateholder's pro rata share
of the Class B Invested Amount can be determined by multiplying
the original denomination of the Class B Certificateholder's
Certificate by the Pool Factor ........... 1.00000000
10. The aggregate outstanding balance of Receivables that were
delinquent by 30 to 59 days as of the close of business on
the last day of the Due Period related to such Distribution
Date ................................... $ 6,170,930.71
11. The aggregate outstanding balance of Receivables that were
delinquent by 60 days or more as of the close of business on
the last day of the Due Period related to such Distribution
Date ................................... $ 9,968,845.07
Greenwood Trust Company as Servicer
By:
----------------------------------
Title: Vice President, Chief
Accounting Officer & Treasurer
