FLEET CREDIT CARD MASTER TRUST II
8-K/A, 1998-03-25
ASSET-BACKED SECURITIES
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<PAGE>   1
                      SECURITIES AND EXCHANGE COMMISSION
                           WASHINGTON, D.C.  20549
                               FORM 8-K/A
                             CURRENT REPORT
                    Pursuant to Section 13 or 15(d) of the
                       Securities Exchange Act of 1934

              Date of Report (date of earliest event reported):
March 16, 1998

                      Fleet Credit Card Master Trust II
                (Formerly ADVANTA Credit Card Master Trust II)
            (Exact name or Registrant as specified in its charter)

   New York              Reg. No. 333-05433            Not Required
(State or other          (Commission File            (I.R.S. Employer
jurisdiction                  Number)                 Identification
of incorporation)                                         Number)

                   Fleet Bank (RI), National Association
                          Attention: Amy W. Bizar

                         300 North Wakefield Drive
                          Newark, Delaware  19713

                       (Address of Owner/Servicer)

                              50 Kennedy Plaza
                                 18th Floor
                           Providence, RI  02903

                  (Address of principal executive offices)

              (215) 444-6800  (Telephone Number of Owner/Servicer)
                      (Registrant's Telephone Number)


<PAGE>   2
        Items 1-4.  Inapplicable.

        Item 5.  Other Events.

Information relating to the distributions to Certificateholders for the 
February 1998 Monthly Period of the Trust in respect of the following
Floating Rate Asset Backed Certificates: Series 1994-B, Series 1995-A
Series 1995-C, Series 1995-D, Series 1995-F Class A-2 and Class B
Series 1995-G, Series 1996-A Class A-2 and Class B, Series 1996-B
Series 1996-C, Series 1996-D and Series 1996-E and the following
Fixed Rate Asset Backed Certificates: Series 1995-F, Class A-1 and
Series 1996-A, Class A-1 (the "Certificates") issued by the Registrant
and to the performance of the Trust (including collections of
Principal Receivables and Finance Charge Receivables, Principal
Receivables in the Trust, delinquent balances in Accounts, the
Investor Default Amounts, the amount of Investor Charge Offs, and 
the Investor Servicing Fees), together with certain other information
relating to the Certificates, is contained in the Monthly Report for the
Monthly Period provided to Certificateholders pursuant to the Pooling and
Servicing Agreement date as of December 1, 1993 (hereinafter as such agreement
may have been or may be from time to time, supplemented, amended or otherwise
modified, (the "Agreement"), between Fleet Bank (RI), National Association
and Bankers Trust Company, as Trustee.  Capitalized terms not otherwise
defined herein have the meanings assigned in the Agreement.


Effective February 20, 1998, Fleet Bank (RI), National Association assumed all
of Advanta National Bank's rights and obligations under the Master Pooling and
Servicing Agreement and the outstanding Series Supplements.  Fleet Bank (RI),
National Association became the Seller and Servicer of the Trust and the
Trust's name was changed to Fleet Credit Card Master Trust II.


        Item 6.  Inapplicable.

        Item 7.  Financial Statements,
                Pro Forma Financial Information and Exhibits.

1.   Monthly Reports for the February 1998 Monthly Period relating to the
     following Floating Rate Asset Backed Certificates: Series 1994-B,
     Series 1995-A, Series 1995-C, Series 1995-D, Series 1995-F Class
     A-2 and Class B, Series 1995-G, Series 1996-A Class A-2 and Class B,
     Series 1996-B, Series 1996-C, Series 1996-D and Series 1996-E and the
     following Fixed Rate Asset Backed Certificates: Series 1995-F Class A-1
     and Series 1996-A Class A-1 issued by Fleet Credit Card Master Trust II.

<PAGE>   3
                              SIGNATURE

Pursuant to the requirements 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.
                                     Fleet Credit Card Master Trust II

                       (Registrant)
                           BY:  Fleet Bank (RI), National Association

                                         (Owner/Servicer)

Date: March 16, 1998       By:    /s/ MICHAEL COCO
                                 ---------------------
                           Name:   Michael Coco
                           Title:  Vice President

<PAGE>   4
                             EXHIBIT INDEX

                                                             Sequential
Exhibit                                                      Page Number
1.   Monthly Reports for the February 1998 Monthly Period         5
     relating to the Asset Backed Certificates Series 1994-B,
     Series 1995-A, Series 1995-C, Series 1995-D, Series
     1995-F, Series 1995-G, Series 1996-A, Series 1996-B
     Series 1996-C, Series 1996-D and Series 1996-E issued
     by the Fleet Credit Card Master Trust II.


<PAGE>   1
                                         February, 1998


                 MONTHLY CERTIFICATEHOLDER'S STATEMENT

                 Fleet Bank (RI), National Association
                --------------------------------------------
                  FLEET Credit Card Master Trust II


                             SERIES 1994-B
- ------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer,
and Bankers Trust Company as Trustee, (the "Trustee") as amended by Amendment
Number 1 dated as of July 1, 1994 between the Bank, as Seller and Servicer
and the Trustee and as further amended by Amendment Number 2 dated as of
October 6,1995 among the Bank as Seller and Servicer, and the Trustee
(the "Master Pooling and Servicing Agreement") as Supplemented by the
Series 1994-B Supplement dated as of July 19, 1994 (the
"Supplement") and together with the Master Pooling and Servicing Agreement
(the "Agreement") between the Bank and the Trustee, the Bank, as Servicer
is required to prepare certain information each month regarding current
distributions to all Series 1994-B Certificateholders.  This statement
relates to the March 16, 1998 Distribution Date (the "Distribution
Date") and the performance of the FLEET Credit Card Master Trust II (the
"Trust") during the prior Monthly Period (the "Monthly Period").  Certain of
the information is presented on the basis of an original principal amount of
$1,000 per Series 1994-B Certificate.  Certain other information is
presented based on the aggregate amounts for the Trust as a whole.  All
capitalized terms used herein shall have the respective meanings set forth in
the Agreement.

1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates       $4.428750

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates       $4.616250

3.   The amount of the distribution set forth in paragraph 1 above in
     respect of principal, per $1,000 original principal amount of the
     Class A Certificates                                    $0.000000

4.   The amount of the distribution set forth in paragraph 2 above in
     respect of principal, per $1,000 original principal amount of the
     Class B Certificates                                    $0.000000

5.   The amount of distribution set forth in paragraph 1 above in
     respect of interest, per $1,000 principal principal amount
     of the Class A Certificate                              $4.428750

6.   The amount of distribution set forth in paragraph 2 above in
     respect of interest, per $1,000 principal principal amount
     of the Class B Certificate                              $4.616250
<PAGE>   2
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in respect
     of the Series 1994-B Certificates                  $83,679,176.03

8.   The aggregate amount of Collections of Principal Receivables processed
     during the prior Monthly Period and allocated in respect
     of the Series 1994-B Certificates                  $71,829,758.80

9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates             $10,429,430.77

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $473,328.82

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $3,776,203.97

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $171,258.76

14.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

15.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on the Distribution Date is                      $0.00

17.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on the Distribution Date is                      $0.00

18.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                   $1,100,000.00

19.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $50,000.00

20.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

21.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000
<PAGE>   3
22.  The Class A Investor Amount after giving effect to               
     any payments on the Distribution Date is          $660,000,000.00

23.  The Class A Invested Amount after giving effect to
     any payments on the Distribution Date is          $660,000,000.00

24.  The Class B Investor Amount after giving effect to
     any payments on the Distribution Date is           $30,000,000.00

25.  The Class B Invested Amount after giving effect to
     any payments on the Distribution Date is           $30,000,000.00

26.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

27.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00
28.  The Available Cash Collateral Amount as of the close
     of business on the Distribution Date is            $15,000,000.00

29.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $60,000,000.00

30.  The Available Enhancement Amount as of the close of
     business on the Distribution Date                  $75,000,000.00

31.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $937,500.00

32.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is         $0.00

33.  The percentage by which the Net Portfolio Yield for the prior Monthly
     Period exceeds the Base Rate for such Monthly Period is     4.75%




     Fleet Bank (RI), National Association as Servicer

        /s/  MICHAEL COCO
     By:--------------------------
         Michael Coco
         Vice President

<PAGE>   4

Series 1994-B daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1994-B          8.00%               8.00%
            02/13  -  02/28   1994-B          7.52%               7.52%


DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29


<PAGE>   5
                                         February, 1998


                 MONTHLY CERTIFICATEHOLDER'S STATEMENT

                 Fleet Bank (RI), National Association
                --------------------------------------------
                  FLEET Credit Card Master Trust II


                             SERIES 1995-A
- ------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer,
and Bankers Trust Company as Trustee, (the "Trustee") as amended by Amendment
Number 1 dated as of July 1, 1994 between the Bank, as Seller and Servicer
and the Trustee and as further amended by Amendment Number 2 dated as of
October 6,1995 among the Bank as Seller and Servicer, and the Trustee
(the "Master Pooling and Servicing Agreement") as Supplemented by the
Series 1995-A Supplement dated as of January 18, 1995 (the
"Supplement") and together with the Master Pooling and Servicing Agreement
(the "Agreement") between the Bank and the Trustee, the Bank, as Servicer
is required to prepare certain information each month regarding current
distributions to all Series 1995-A Certificateholders.  This statement
relates to the March 16, 1998 Distribution Date (the "Distribution
Date") and the performance of the FLEET Credit Card Master Trust II (the
"Trust") during the prior Monthly Period (the "Monthly Period").  Certain of
the information is presented on the basis of an original principal amount of
$1,000 per Series 1995-A Certificate.  Certain other information is
presented based on the aggregate amounts for the Trust as a whole.  All
capitalized terms used herein shall have the respective meanings set forth in
the Agreement.

1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates       $4.353750

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates       $4.500000

3.   The amount of the distribution set forth in paragraph 1 above in
     respect of principal, per $1,000 original principal amount of the
     Class A Certificates                                    $0.000000

4.   The amount of the distribution set forth in paragraph 2 above in
     respect of principal, per $1,000 original principal amount of the
     Class B Certificates                                    $0.000000

5.   The amount of distribution set forth in paragraph 1 above in
     respect of interest, per $1,000 principal principal amount
     of the Class A Certificate                              $4.353750

6.   The amount of distribution set forth in paragraph 2 above in
     respect of interest, per $1,000 principal principal amount
     of the Class B Certificate                              $4.500000
<PAGE>   6
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in respect
     of the Series 1995-A Certificates                  $77,977,894.29

8.   The aggregate amount of Collections of Principal Receivables processed
     during the prior Monthly Period and allocated in respect
     of the Series 1995-A Certificates                  $67,061,182.61

9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates              $9,333,986.49

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $542,916.14

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $3,423,812.99

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $199,347.83

14.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

15.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on the Distribution Date is                      $0.00

17.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on the Distribution Date is                      $0.00

18.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $997,500.00

19.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $58,333.33

20.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

21.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000
<PAGE>   7
22.  The Class A Investor Amount after giving effect to               
     any payments on the Distribution Date is          $598,500,000.00

23.  The Class A Invested Amount after giving effect to
     any payments on the Distribution Date is          $598,500,000.00

24.  The Class B Investor Amount after giving effect to
     any payments on the Distribution Date is           $35,000,000.00

25.  The Class B Invested Amount after giving effect to
     any payments on the Distribution Date is           $35,000,000.00

26.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

27.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

28.  The Available Cash Collateral Amount as of the close
     of business on the Distribution Date is             $7,000,000.00

29.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $66,500,000.00

30.  The Available Enhancement Amount as of the close of
     business on the Distribution Date                  $73,500,000.00

31.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $729,166.66

32.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is         $0.00

33.  The percentage by which the Net Portfolio Yield for the prior Monthly
     Period exceeds the Base Rate for such Monthly Period is     4.58%

<PAGE>   8
34.  The Net Portfolio Yield for the prior Monthly Period is    11.85%

35.  The Base Rate for the Monthly Period is                     7.27%

36.  The aggregate amount of Principal Receivables as of the
     last day of the prior Monthly Period is         $9,788,022,885.60

37.  The Excess Funding Amount as of the last day of the
     prior Monthly Period is                                     $0.00

38.  The aggregate amount of Finance Charge Receivables as
     of the last day of the prior Monthly Period is    $219,553,939.40




     Fleet Bank (RI), National Association as Servicer

        /s/  MICHAEL COCO
     By:--------------------------
         Michael Coco
         Vice President

<PAGE>   9

Series 1995-A daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1995-A          7.47%               7.47%
            02/13  -  02/28   1995-A          7.02%               7.02%



DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29



<PAGE>   10
                                         February, 1998


                 MONTHLY CERTIFICATEHOLDER'S STATEMENT

                 Fleet Bank (RI), National Association
                --------------------------------------------
                  FLEET Credit Card Master Trust II


                             SERIES 1995-C
- ------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer,
and Bankers Trust Company as Trustee, (the "Trustee") as amended by Amendment
Number 1 dated as of July 1, 1994 between the Bank, as Seller and Servicer
and the Trustee and as further amended by Amendment Number 2 dated as of
October 6,1995 among the Bank as Seller and Servicer, and the Trustee
(the "Master Pooling and Servicing Agreement") as Supplemented by the
Series 1995-C Supplement dated as of April 27, 1995 (the
"Supplement") and together with the Master Pooling and Servicing Agreement
(the "Agreement") between the Bank and the Trustee, the Bank, as Servicer
is required to prepare certain information each month regarding current
distributions to all Series 1995-C Certificateholders.  This statement
relates to the March 16, 1998 Distribution Date (the "Distribution
Date") and the performance of the FLEET Credit Card Master Trust II (the
"Trust") during the prior Monthly Period (the "Monthly Period").  Certain of
the information is presented on the basis of an original principal amount of
$1,000 per Series 1995-C Certificate.  Certain other information is
presented based on the aggregate amounts for the Trust as a whole.  All
capitalized terms used herein shall have the respective meanings set forth in
the Agreement.

1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates      $15.514236

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates      $15.868125

3.   The amount of the distribution set forth in paragraph 1 above in
     respect of principal, per $1,000 original principal amount of the
     Class A Certificates                                    $0.000000

4.   The amount of the distribution set forth in paragraph 2 above in
     respect of principal, per $1,000 original principal amount of the
     Class B Certificates                                    $0.000000

5.   The amount of distribution set forth in paragraph 1 above in
     respect of interest, per $1,000 principal principal amount
     of the Class A Certificate                             $15.514236

6.   The amount of distribution set forth in paragraph 2 above in
     respect of interest, per $1,000 principal principal amount
     of the Class B Certificate                             $15.868125
<PAGE>   11
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in respect
     of the Series 1995-C Certificates                  $64,005,121.83

8.   The aggregate amount of Collections of Principal Receivables processed
     during the prior Monthly Period and allocated in respect
     of the Series 1995-C Certificates                  $55,027,508.07

9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates              $7,633,909.65

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $535,447.80

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $2,794,956.10

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $195,092.18

14.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

15.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on the Distribution Date is                      $0.00

17.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on the Distribution Date is                      $0.00

18.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $814,583.33

19.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $57,500.00

20.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

21.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000
<PAGE>   12
22.  The Class A Investor Amount after giving effect to               
     any payments on the Distribution Date is          $488,750,000.00

23.  The Class A Invested Amount after giving effect to
     any payments on the Distribution Date is          $488,750,000.00

24.  The Class B Investor Amount after giving effect to
     any payments on the Distribution Date is           $34,500,000.00

25.  The Class B Invested Amount after giving effect to
     any payments on the Distribution Date is           $34,500,000.00

26.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

27.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

28.  The Available Cash Collateral Amount as of the close
     of business on the Distribution Date is             $8,625,000.00

29.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $51,750,000.00

30.  The Available Enhancement Amount as of the close of
     business on the Distribution Date                  $60,375,000.00

31.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $598,958.33

32.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is         $0.00

33.  The percentage by which the Net Portfolio Yield for the prior Monthly
     Period exceeds the Base Rate for such Monthly Period is     4.34%

<PAGE>   13
34.  The Net Portfolio Yield for the prior Monthly Period is    11.88%

35.  The Base Rate for the Monthly Period is                     7.54%

36.  The aggregate amount of Principal Receivables as of the
     last day of the prior Monthly Period is         $9,788,022,885.60

37.  The Excess Funding Amount as of the last day of the
     prior Monthly Period is                                     $0.00

38.  The aggregate amount of Finance Charge Receivables as
     of the last day of the prior Monthly Period is    $219,553,939.40

39.  The amount on deposit in the Pre-Funding Account as of
     the close of business on the Distribution Date is           $0.00

40.  The amount on deposit in the Principal Funding Account as of
     the close of business on the Distribution Date is           $0.00

41.  The amount on deposit in the Interest Funding Account as of
     the close of business on the Distribution Date is           $0.00

42.  The amount on deposit in the Reserve Account as of the
     close of business on the Distribution Date is               $0.00




     Fleet Bank (RI), National Association as Servicer

        /s/  MICHAEL COCO
     By:--------------------------
         Michael Coco
         Vice President


<PAGE>   14

Series 1995-C daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1995-C          6.13%               6.13%
            02/13  -  02/28   1995-C          5.76%               5.76%


DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29



<PAGE>   15
                                        February, 1998


                  MONTHLY CERTIFICATEHOLDER'S STATEMENT

                  Fleet Bank (RI), National Association

                 -----------------------------------------
                          FLEET Credit Card
                           Master Trust II
                             Series 1995-D
- ------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23,1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer,
and Bankers Trust Company, as Trustee (the "Trustee") as amended by Amendment
Number 1 dated as of July 1, 1994 between the Bank, as Seller and Servicer and
the Trustee and as further amended by Amendment Number 2 dated as of
October 6,1995 among the Bank, as Seller and Servicer and the Trustee (the
"Master Pooling and Servicing Agreement") as supplemented by the  Series
1995-D Supplement dated as of July 25, 1995 (the "Supplement")
and together with the Master Pooling and Servicing Agreement (the "Agreement")
between the Bank and the Trustee, the Bank as Servicer is required to prepare
certain information each month regarding current distributions to all Series
1995-D Certificateholders.  This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the
FLEET Credit Card Master Trust II (the "Trust") during the prior Monthly
Period (the "Monthly Period").  Certain of the information is presented on the
basis of an original principal amount of $1,000 per  Series 1995-D
Certificate.  Certain other information is presented based on the aggregate
amounts for the Trust as a whole.  All capitalized terms used herein shall
have the respective meanings set forth in the Master Agreement.



1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates       $4.361250

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates       $4.458750

3.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original principal
     amount of the Class A Certificates                      $0.000000

4.   The amount of the distribution set forth in paragraph 2
     above in respect of principal, per $1,000 original principal
     amount of the Class B Certificates                      $0.000000

5.   The amount of distribution set forth in paragraph 1 above
     in respect of interest, per $1,000 principal principal
     amount of the Class A Certificate                       $4.361250

6.   The amount of distribution set forth in paragraph 2 above
     in respect of interest, per $1,000 principal principal
     amount of the Class B Certificate                       $4.458750
<PAGE>   16
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in respect
     of the Series 1995-D Certificates                  $66,780,633.07

8.   The aggregate amount of Collections of Principal Receivables
     processed during the prior Monthly Period and allocated in
     respect of the Series 1995-D Certificates          $57,430,958.26
9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates              $8,882,595.99

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $467,078.82

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $3,258,172.05

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $171,258.76

14.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

15.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

17.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

18.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $950,000.00

19.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $50,000.00

20.  The Class A Pool Factor as of the Record Date for the 
     Distribution Date is                                   1.00000000

21.  The Class B Pool Factor as of the Record Date for the 
     Distribution Date is                                   1.00000000
<PAGE>   17
22.  The Class A Investor Amount after giving effect to any
     payments on the Distribution Date is              $570,000,000.00

23.  The Class A Invested Amount after giving effect to any
     payments on the Distribution Date is              $570,000,000.00

24.  The Class A-1 Invested Amount after giving effect to any
     payments on the Distribution Date is              $519,000,000.00

25.  The Class A-2 Invested Amount after giving effect to any
     payments on the Distribution Date is               $51,000,000.00

25.  The Class B Investor Amount after giving effect to any
     payments on the Distribution Date is               $30,000,000.00

26.  The Class B Invested Amount after giving effect to any
     payments on the Distribution Date is               $30,000,000.00

27.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

28.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

29.  The Available Cash Collateral Amount as of the close of
     business on the Distribution Date is               $63,000,000.00

29.  The amount on deposit in the Cash Collateral Account (including
     the principal balance of the Class A-2 Certificates as of
     the close of business on the Distribution Date     $63,000,000.00

30.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $625,000.00

31.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is         $0.00

32.  The percentage by which the Net Portfolio Yield for the prior Monthly
     Period exceeds the Base Rate for such Monthly Period is     4.60%


     Fleet Bank (RI), National Association as Servicer

         /s/  MICHAEL COCO
     By:---------------------------------------
              Michael Coco
              Vice President

<PAGE>   18

Series 1995-D daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1995-D          6.40%               6.40%
            02/13  -  02/28   1995-D          6.01%               6.01%



DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29




<PAGE>   19
                                         February, 1998



                      MONTHLY CERTIFICATEHOLDER'S STATEMENT
                      Fleet Bank (RI), National Association

                 ------------------------------------------
                             FLEET Credit Card
                              Master Trust II
                               Series 1995-F
- ---------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 1, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the "Bank") as Seller and Servicer
and Bankers Trust Company, as Trustee (the "Trustee"), as amended by
Amendment Number 1 dated as of July 1, 1994 between the Bank as Seller and
Servicer, and the Trustee, and as further amended by Amendment Number 2 dated
as of October 6, 1995 among the Bank, as Seller and Servicer, and the Trustee
(the "Master Pooling and Servicing Agreement") as supplemented by the Series 
1995-F Supplement dated as of November 21, 1995 (the "Supplement") and together
with the Master Pooling and Servicing Agreement, (the "Agreement"), among the
Bank and the Trustee.  The Bank, as Servicer is requried to prepare certain
information each month regarding current distributions to all Series 1995-F
Certificateholders.  This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance
of the FLEET Credit Card Master Trust II (the "Trust") during
the prior Monthly Period (the "Monthly Period").  Certain of the
information is presented on the basis of an original principal amount of
$1,000 per Series 1995-F Certificate. Certain other information is presented
based on the aggregate amounts for the Trust as a whole.  All capitalized terms
used herein shall have the respective meanings set forth in the Agreement.


1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A-1 Certificates     $5.041667

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A-2 Certificates     $4.361250

3.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates       $4.443750

4.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A-1 Certificates          $0.000000

5.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A-2 Certificates          $0.000000

6.   The amount of the distribution set forth in paragraph 2
     above in respect of principal, per $1,000 original
     principal amount of the Class B Certificates            $0.000000
<PAGE>   20
7.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A-1 Certificate           $5.041667

8.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A-2 Certificate           $4.361250


9.   The amount of distribution set forth in paragraph 2
     above in respect of interest, per $1,000 principal
     principal amount of the Class B Certificate             $4.443750

10.  The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in respect
     of the Series 1995-F Certificates                  $94,657,341.04

11.  The aggregate amount of Collections of Principal Receivables
     processed during the prior Monthly Period and allocated in
     respect of the Series 1995-F Certificates          $81,405,235.18

12.  The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

13.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates             $11,790,720.34

14.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $700,227.61

15.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $4,325,049.29

16.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $256,888.14

17.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

18.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

19.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

20.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00
<PAGE>   21
21.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $630,416.66

22.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $37,187.50

23.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

24.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

25.  The Class A-1 Investor Amount after giving effect to any
     payments on the Distribution Date is              $378,250,000.00

26.  The Class A-2 Investor Amount after giving effect to any
     payments on the Distribution Date is              $378,250,000.00

27.  The Class A-1 Invested Amount after giving effect to any
     payments on the Distribution Date is              $378,250,000.00

28.  The Class A-2 Invested Amount after giving effect to any
     payments on the Distribution Date is              $378,250,000.00


29.  The Class B Investor Amount after giving effect to any
     payments on the Distribution Date is               $44,625,000.00

30.  The Class B Invested Amount after giving effect to any
     payments on the Distribution Date is               $44,625,000.00

31.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

32.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

33.  The Available Cash Collateral Amount as of the close of
     business on the Distribution Date is               $17,000,000.00

34.  The Collateral Investor Amount as of the close of business
     on the Distribution Date is                        $48,875,000.00
<PAGE>   22
35.  The amount on deposit in the Cash Collateral Account as of
     the close of business on the Distribution Date is  $17,000,000.00

36.  The Available Enhancement Amount as of the close of
     business on the Distribution Date is               $65,875,000.00

37.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $885,416.68

38.  The amount of Servicer Interchange with respect to the
     prior Monthly Period is                               $708,333.34

39.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is         $0.00

40.  The percentage by which the Net Portfolio Yield for the prior Monthly
     Period exceeds the Base Rate for such Monthly Period is     4.23%

41.  The Net Portfolio Yield for the prior Monthly Period is    11.85%

42.  The Base Rate for the Monthly Period is                     7.62%

43.  The aggregate amount of Principal Receivables as of the
     last day of the prior Monthly Period is         $9,788,022,885.60

44.  The Excess Funding Amount as of the last day of the
     prior Monthly Period is                                     $0.00

45.  The aggregate amount of Finance Charge Receivables as of
     the last day of the prior Monthly Period is       $219,553,939.40




     Fleet Bank (RI), National Association as Servicer

         /s/ MICHAEL COCO
     By:-------------------------------------
             Michael Coco
             Vice President
<PAGE>   23

Series 1995-F daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1995-F          9.07%               9.07%
            02/13  -  02/28   1995-F          8.52%               8.52%



DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29





<PAGE>   24



                                        February, 1998



                      MONTHLY CERTIFICATEHOLDER'S STATEMENT
                      Fleet Bank (RI), National Association

                 -----------------------------------------------
                                FLEET Credit Card
                                  Series 1995-G
- -------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between 
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1995-G Supplement dated as of December 15, 1995
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The 
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1995-G
Certificateholders.  This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period").  Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1995-G Certificate.  Certain
other information is presented based on the aggregate amounts for the Trust as
a whole.  All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.


1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates       $4.323750

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates       $4.436250

3.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A Certificates            $0.000000

4.   The amount of the distribution set forth in paragraph 2
     above in respect of principal, per $1,000 original
     principal amount of the Class B Certificates            $0.000000

5.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A Certificate             $4.323750

6.   The amount of distribution set forth in paragraph 2
     above in respect of interest, per $1,000 principal
     principal amount of the Class B Certificate             $4.436250
<PAGE>   25
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in
     respect of the Series 1995-G Certificates          $55,646,218.08

8.   The aggregate amount of Collections of Principal Receivables
     processed during the prior Monthly Period and allocated in
     respect of the Series 1995-G Certificates          $47,855,481.84

9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates              $6,735,759.73

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $430,195.58

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $2,470,654.19

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $158,660.96

14.  The Collateral Default Amount for the prior
     Monthly Period is                                     $228,799.07

15.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

17.  The aggregate amount of Collateral Charge-offs for
     the prior Monthly Period is                                 $0.00

18.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

19.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

20.  The aggregate amount of Collateral Charge-offs
     reimbursed on such Payment Date is                          $0.00
<PAGE>   26
21.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $360,416.67

22.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $22,916.67

23.  The amount of the Collateral Servicing Fee for the
     prior Monthly Period is                                $33,333.34

24.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

25.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

26.  The Class A Investor Amount after giving effect to any
     payments on the Distribution Date is              $432,500,000.00

27.  The Class A Invested Amount after giving effect to any
     payments on the Distribution Date is              $432,500,000.00

28.  The Class B Investor Amount after giving effect to any
     payments on the Distribution Date is               $27,500,000.00

29.  The Class B Invested Amount after giving effect to any
     payments on the Distribution Date is               $27,500,000.00

30.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                  0.00

31.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     any activity on the Distribution Date is                     0.00

32.  The Available Cash Collateral Amount as of the close of
     business on the Distribution Date is               $10,000,000.00

33.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $40,000,000.00
<PAGE>   27
34.  The amount on deposit in the Cash Collateral Account as of
     the close of business on the Distribution Date is  $10,000,000.00

35.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $520,833.33

36.  The amount of Servicer Interchange for the prior
     Monthly Period is                                    $416,666.66

37.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is        $0.00

38.  The percentage by which the Net Portfolio Yield for the
     prior Monthly Period exceeds the Base Rate for such
     Monthly Period is                                          4.62%

39.  The Net Portfolio Yield for the prior Monthly Period is   11.84%

40.  The Base Rate for the Monthly Period is                    7.22%





     Fleet Bank (RI), National Association as Servicer

       /s/ MICHAEL COCO
    By:------------------------------------------
           Michael Coco
           Vice President

<PAGE>   28

Series 1995-G daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1995-G          5.33%               5.33%
            02/13  -  02/28   1995-G          5.01%               5.01%


DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29




<PAGE>   29

                                   February, 1998



                    MONTHLY CERTIFICATEHOLDER'S STATEMENT
                    Fleet Bank (RI), National Association

                -------------------------------------------
                              FLEET Credit Card
                               Master Trust II
                                Series 1996-A
- -----------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated as
of December 31, 1993 as amended and restated on May 23, 1994 by and between
Fleet Bank (RI), National Association (the"Bank") as Seller and Servicer
and Bankers Trust Company as Trustee (the "Trustee"), as amended by Amendment
Number 1 dated as of July 1, 1994, by and between the Bank, as Seller and
Servicer, and the Trustee, and as further amended by Amendment Number 2
dated as of October 6, 1995 among the Bank, as Seller and Servicer, and
the Trustee (the "Master Pooling and Servicing Agreement") as supplemented
by the Series 1996-A Supplement dated as of January 18, 1996 (the
"Supplement") and together with the Master Pooling and Servicing Agreement,
(the "Agreement"), among the Bank and the Trustee.  The Bank, as Servicer,
is required to prepare certain information each month regarding current
distributions to all Series 1996-A  Certificateholders.  This
statement relates to the March 16, 1998 Distribution Date (the
"Distribution Date") and the performance of the FLEET Credit
Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period") Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-A Certificate.  Certain
other information is presented based on the aggregate amounts for the Trust as
a whole.  All capitalized terms used herein shall have the respective meanings
set forth in the Master Agreement.


1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A-1 Certificates     $5.000000

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A-2 Certificates     $4.391250

3.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates       $4.481250

4.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A-1 Certificates          $0.000000

5.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A-2 Certificates          $0.000000

6.   The amount of the distribution set forth in paragraph 2
     above in respect of principal, per $1,000 original
     principal amount of the Class B Certificates            $0.000000
<PAGE>   30
7.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A-1 Certificate           $5.000000

8.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A-2 Certificate           $4.391250
9.   The amount of distribution set forth in paragraph 2
     above in respect of interest, per $1,000 principal
     principal amount of the Class B Certificate             $4.481250

10.  The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in
     respect of the Series 1996-A Certificates          $55,646,218.08

11.  The aggregate amount of Collections of Principal Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Series 1996-A Certificates       $47,855,481.82

12.  The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

13.  The aggregate amount of Collections of Finance Charge
     Receivables processed during the prior Monthly Period and
     allocated in respect of the Class A Certificates    $6,856,578.59

14.  The aggregate amount of Collections of Finance Charge
     Receivables processed during the prior Monthly Period and
     allocated in respect of the Class B Certificates      $406,669.40

15.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $2,515,596.71

16.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $148,787.50

17.  The Collateral Default Amount for the prior
     Monthly Period is                                     $193,730.01

18.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

19.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

20.  The aggregate amount of Collateral Charge-offs
     for the prior Monthly Period is                             $0.00

21.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

22.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00
<PAGE>   31
23.  The aggregate amount of Collateral Charge-offs
     reimbursed on such Payment Date is                          $0.00

24.  The amount of the Class A Servicing Fee for the
     prior Monthly Period is                               $183,333.33

25.  The amount of the Class B Servicing Fee for the
     prior Monthly Period is                                $10,937.50

26.  The amount of the Collateral Servicing Fee for the
     prior Monthly Period is                                $14,062.50

27.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                      1.00000

28.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                      1.00000

29.  The Class A-1 Investor Amount after giving effect to
     any payments on the Distribution Date is          $220,000,000.00

30.  The Class A-2 Investor Amount after giving effect to
     any payments on the Distribution Date is          $220,000,000.00

31.  The Class A-1 Invested Amount after giving effect to
     any payments on the Distribution Date is          $220,000,000.00

32.  The Class A-2 Invested Amount after giving effect to
     any payments on the Distribution Date is          $220,000,000.00

33.  The Class B Investor Amount after giving effect to
     any payments on the Distribution Date is           $26,250,000.00

34.  The Class B Invested Amount after giving effect to
     any payments on the Distribution Date is           $26,250,000.00

35.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

36.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                 $0.00

37.  The Available Cash Collateral Amount as of the close of
     business on the Distribution Date is               $10,000,000.00

38.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $33,750,000.00
<PAGE>   32
39.  The amount on deposit in the Cash Collateral Account as of
     the close of business on the Distribution Date is  $10,000,000.00

40.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $520,833.34

41.  The amount of Servicer Interchange with respect to
     the prior Monthly Period is                           $416,666.67

42.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is         $0.00

43.  The percentage by which the Net Portfolio Yield for the
     prior Monthly Period exceeds the Base Rate for such
     Monthly Period is                                           4.22%






     Fleet Bank (RI), National Association as Servicer

         /s/ MICHAEL COCO
     By: -----------------------------------
             Michael Coco
             Vice President

<PAGE>   33

Series 1996-A daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1996-A          5.33%               5.33%
            02/13  -  02/28   1996-A          5.01%               5.01%



DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29





<PAGE>   34



                                        February, 1998



                      MONTHLY CERTIFICATEHOLDER'S STATEMENT
                      Fleet Bank (RI), National Association

                 -----------------------------------------------
                                FLEET Credit Card
                                 Master Trust II
                                  Series 1996-B
- -------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between 
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1996-B Supplement dated as of March 26, 1996
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The 
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1996-B
Certificateholders.  This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period").  Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-B Certificate.  Certain
other information is presented based on the aggregate amounts for the Trust as
a whole.  All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.


1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates      $15.590069

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates      $15.956597

3.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A Certificates            $0.000000

4.   The amount of the distribution set forth in paragraph 2
     above in respect of principal, per $1,000 original
     principal amount of the Class B Certificates            $0.000000

5.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A Certificate            $15.590069

6.   The amount of distribution set forth in paragraph 2
     above in respect of interest, per $1,000 principal
     principal amount of the Class B Certificate            $15.956597
<PAGE>   35
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in
     respect of the Series 1996-B Certificates          $83,548,340.05

8.   The aggregate amount of Collections of Principal Receivables
     processed during the prior Monthly Period and allocated in
     respect of the Series 1996-B Certificates          $71,829,758.81

9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates             $10,132,685.59

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $649,704.89

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $3,708,790.20

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $238,672.52

14.  The Collateral Default Amount for the prior
     Monthly Period is                                     $342,517.52

15.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

17.  The aggregate amount of Collateral Charge-offs for
     the prior Monthly Period is                                 $0.00

18.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

19.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

20.  The aggregate amount of Collateral Charge-offs
     reimbursed on such Payment Date is                          $0.00
<PAGE>   36
21.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $270,312.50

22.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $17,187.50

23.  The amount of the Collateral Servicing Fee for the
     prior Monthly Period is                                $25,000.00

24.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

25.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

26.  The Class A Investor Amount after giving effect to any
     payments on the Distribution Date is              $648,750,000.00

27.  The Class A Invested Amount after giving effect to any
     payments on the Distribution Date is              $648,750,000.00

28.  The Class B Investor Amount after giving effect to any
     payments on the Distribution Date is               $41,250,000.00

29.  The Class B Invested Amount after giving effect to any
     payments on the Distribution Date is               $41,250,000.00

30.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                  0.00

31.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     any activity on the Distribution Date is                     0.00

32.  The Available Cash Collateral Amount as of the close of
     business on the Distribution Date is               $15,000,000.00

33.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $60,000,000.00
<PAGE>   37
34.  The amount on deposit in the Cash Collateral Account as of
     the close of business on the Distribution Date is  $15,000,000.00

35.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $781,250.00

36.  The amount of Servicer Interchange for the prior
     Monthly Period is                                     $625,000.00

37.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is         $0.00

38.  The percentage by which the Net Portfolio Yield for the
     prior Monthly Period exceeds the Base Rate for such
     Monthly Period is                                          4.33%

39.  The Net Portfolio Yield for the prior Monthly Period is   11.89%

40.  The Base Rate for the Monthly Period is                    7.56%

41.  The amount on deposit in the Principal Funding Account as of
     the close of business on the Distribution Date is           $0.00

42.  The amount on deposit in the Interest Funding Account as of
     the close of business on the Distribution Date is           $0.00

43.  The amount on deposit in the Reserve Account as of the
     close of business on the Distribution Date is               $0.00





     Fleet Bank (RI), National Association as Servicer

       /s/ MICHAEL COCO
    By:------------------------------------------
           Michael Coco
           Vice President


<PAGE>   38

Series 1996-B daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1996-B          8.00%               8.00%
            02/13  -  02/28   1996-B          7.52%               7.52%



DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29





<PAGE>   39



                                        February, 1998



                      MONTHLY CERTIFICATEHOLDER'S STATEMENT
                      Fleet Bank (RI), National Association

                 -----------------------------------------------
                                FLEET Credit Card
                                 Master Trust II
                                  Series 1996-C
- -------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between 
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1996-C Supplement dated as of May 13, 1996
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The 
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1996-C
Certificateholders.  This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period").  Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-C Certificate.  Certain
other information is presented based on the aggregate amounts for the Trust as
a whole.  All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.


1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates      $15.312014

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates      $15.640625

3.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A Certificates            $0.000000

4.   The amount of the distribution set forth in paragraph 2
     above in respect of principal, per $1,000 original
     principal amount of the Class B Certificates            $0.000000

5.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A Certificate            $15.312014

6.   The amount of distribution set forth in paragraph 2
     above in respect of interest, per $1,000 principal
     principal amount of the Class B Certificate            $15.640625
<PAGE>   40
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in
     respect of the Series 1996-C Certificates          $78,003,337.98

8.   The aggregate amount of Collections of Principal Receivables
     processed during the prior Monthly Period and allocated in
     respect of the Series 1996-C Certificates          $67,061,182.64

9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates              $9,462,167.51

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $604,464.57

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $3,463,137.69

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $221,819.08

14.  The Collateral Default Amount for the prior
     Monthly Period is                                     $320,046.26

15.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

17.  The aggregate amount of Collateral Charge-offs for
     the prior Monthly Period is                                 $0.00

18.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

19.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

20.  The aggregate amount of Collateral Charge-offs
     reimbursed on such Payment Date is                          $0.00
<PAGE>   41
21.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $252,291.67

22.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $16,041.67

23.  The amount of the Collateral Servicing Fee for the
     prior Monthly Period is                                $23,333.33

24.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

25.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

26.  The Class A Investor Amount after giving effect to any
     payments on the Distribution Date is              $605,500,000.00

27.  The Class A Invested Amount after giving effect to any
     payments on the Distribution Date is              $605,500,000.00

28.  The Class B Investor Amount after giving effect to any
     payments on the Distribution Date is               $38,500,000.00

29.  The Class B Invested Amount after giving effect to any
     payments on the Distribution Date is               $38,500,000.00

30.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                  0.00

31.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     any activity on the Distribution Date is                     0.00

32.  The Available Cash Collateral Amount as of the close of
     business on the Distribution Date is               $14,000,000.00

33.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $56,000,000.00
<PAGE>   42
34.  The amount on deposit in the Cash Collateral Account as of
     the close of business on the Distribution Date is  $14,000,000.00

35.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $729,166.67

36.  The amount of Servicer Interchange for the prior
     Monthly Period is                                    $583,333.34

37.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is        $0.00

38.  The percentage by which the Net Portfolio Yield for the
     prior Monthly Period exceeds the Base Rate for such
     Monthly Period is                                          4.40%

39.  The Net Portfolio Yield for the prior Monthly Period is   11.89%

40.  The Base Rate for the Monthly Period is                    7.49%

41.  The amount on deposit in the Principal Funding Account as of
     the close of business on the Distribution Date is           $0.00

42.  The amount on deposit in the Interest Funding Account as of
     the close of business on the Distribution Date is           $0.00

43.  The amount on deposit in the Reserve Account as of the
     close of business on the Distribution Date is               $0.00





     Fleet Bank (RI), National Association as Servicer

       /s/ MICHAEL COCO
    By:------------------------------------------
           Michael Coco
           Vice President


<PAGE>   43

Series 1996-C daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1996-C          7.47%               7.47%
            02/13  -  02/28   1996-C          7.02%               7.02%



DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29





<PAGE>   44



                                        February, 1998



                      MONTHLY CERTIFICATEHOLDER'S STATEMENT
                      Fleet Bank (RI), National Association

                 -----------------------------------------------
                                FLEET Credit Card
                                 Master Trust II
                                  Series 1996-D
- -------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between 
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1996-D Supplement dated as of June 18, 1996
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The 
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1996-D
Certificateholders.  This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period").  Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-D Certificate.  Certain
other information is presented based on the aggregate amounts for the Trust as
a whole.  All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.


1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates       $4.331250

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates       $4.443750

3.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A Certificates            $0.000000

4.   The amount of the distribution set forth in paragraph 2
     above in respect of principal, per $1,000 original
     principal amount of the Class B Certificates            $0.000000

5.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A Certificate             $4.331250

6.   The amount of distribution set forth in paragraph 2
     above in respect of interest, per $1,000 principal
     principal amount of the Class B Certificate             $4.443750
<PAGE>   45
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in
     respect of the Series 1996-D Certificates          $77,977,894.32

8.   The aggregate amount of Collections of Principal Receivables
     processed during the prior Monthly Period and allocated in
     respect of the Series 1996-D Certificates          $67,061,182.64

9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates              $9,440,158.74

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $603,065.17

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $3,463,137.69

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $221,819.08

14.  The Collateral Default Amount for the prior
     Monthly Period is                                     $320,046.26

15.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

17.  The aggregate amount of Collateral Charge-offs for
     the prior Monthly Period is                                 $0.00

18.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

19.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

20.  The aggregate amount of Collateral Charge-offs
     reimbursed on such Payment Date is                          $0.00
<PAGE>   46
21.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $252,291.67

22.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $16,041.67

23.  The amount of the Collateral Servicing Fee for the
     prior Monthly Period is                                $23,333.33

24.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

25.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

26.  The Class A Investor Amount after giving effect to any
     payments on the Distribution Date is              $605,500,000.00

27.  The Class A Invested Amount after giving effect to any
     payments on the Distribution Date is              $605,500,000.00

28.  The Class B Investor Amount after giving effect to any
     payments on the Distribution Date is               $38,500,000.00

29.  The Class B Invested Amount after giving effect to any
     payments on the Distribution Date is               $38,500,000.00

30.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                  0.00

31.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     any activity on the Distribution Date is                     0.00

32.  The Available Cash Collateral Amount as of the close of
     business on the Distribution Date is               $14,000,000.00

33.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $56,000,000.00
<PAGE>   47
34.  The amount on deposit in the Cash Collateral Account as of
     the close of business on the Distribution Date is  $14,000,000.00

35.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $729,166.67

36.  The amount of Servicer Interchange for the prior
     Monthly Period is                                    $583,333.34

37.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is        $0.00

38.  The percentage by which the Net Portfolio Yield for the
     prior Monthly Period exceeds the Base Rate for such
     Monthly Period is                                          4.61%

39.  The Net Portfolio Yield for the prior Monthly Period is   11.85%

40.  The Base Rate for the Monthly Period is                    7.24%





     Fleet Bank (RI), National Association as Servicer

       /s/ MICHAEL COCO
    By:------------------------------------------
           Michael Coco
           Vice President


<PAGE>   48

Series 1996-D daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1996-D          7.47%               7.47%
            02/13  -  02/28   1996-D          7.02%               7.02%


DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29




<PAGE>   49



                                        February, 1998



                      MONTHLY CERTIFICATEHOLDER'S STATEMENT
                      Fleet Bank (RI), National Association

                 -----------------------------------------------
                                FLEET Credit Card
                                 Master Trust II
                                  Series 1996-E
- -------------------------------------------------------------------------------

Under the Amended and Restated Master Pooling and Servicing Agreement dated
as of December 1, 1993, and as amended and restated on May 23,1994 between 
Fleet Bank (RI), National Association (the "Bank") and Bankers Trust Company
as Trustee (the "Trustee"), and as amended by Amendment Number 1 dated as of
July 1, 1994, by and between the Bank as Seller and Servicer, and the Trustee
and as further amended by Amendment Number 2, dated as of October 6, 1995
among the Bank, and the Trustee (the "Master Pooling and Servicing Agreement"),
as supplemented by the Series 1996-E Supplement dated as of November 1, 1996
(the "Supplement") and together with the Master Pooling and Servicing
Agreement, (the "Agreement"), among the Bank and the Trustee. The 
Bank, as Servicer, is required to prepare certain information each month
regarding current distributions to all Series 1996-E
Certificateholders.  This statement relates to the March 16, 1998
Distribution Date (the "Distribution Date") and the performance of the FLEET
Credit Card Master Trust II (the "Trust") during the prior Monthly Period (the
"Monthly Period").  Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1996-E Certificate.  Certain
other information is presented based on the aggregate amounts for the Trust as
a whole.  All capitalized terms used herein shall have the respective meanings
set forth in the Agreement.


1.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class A Certificates       $4.293750

2.   The total amount of the distribution on the Payment Date per $1000
     original principal amount of Class B Certificates       $4.466250

3.   The amount of the distribution set forth in paragraph 1
     above in respect of principal, per $1,000 original
     principal amount of the Class A Certificates            $0.000000

4.   The amount of the distribution set forth in paragraph 2
     above in respect of principal, per $1,000 original
     principal amount of the Class B Certificates            $0.000000

5.   The amount of distribution set forth in paragraph 1
     above in respect of interest, per $1,000 principal
     principal amount of the Class A Certificate             $4.293750

6.   The amount of distribution set forth in paragraph 2
     above in respect of interest, per $1,000 principal
     principal amount of the Class B Certificate             $4.466250
<PAGE>   50
7.   The aggregate amount of Collections of Receivables processed
     for the prior Monthly Period which were allocated in
     respect of the Series 1996-E Certificates          $55,646,218.08

8.   The aggregate amount of Collections of Principal Receivables
     processed during the prior Monthly Period and allocated in
     respect of the Series 1996-E Certificates          $47,855,481.84

9.   The aggregate amount of Reallocated Principal Collections
     with respect to the prior Monthly Period                    $0.00

10.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class A Certificates              $6,735,759.73

11.  The aggregate amount of Collections of Finance Charge Receivables
     processed during the prior Monthly Period and allocated
     in respect of the Class B Certificates                $430,195.58

12.  The Class A Investor Default Amount for the prior
     Monthly Period is                                   $2,470,654.19

13.  The Class B Investor Default Amount for the prior
     Monthly Period is                                     $158,660.96

14.  The Collateral Default Amount for the prior
     Monthly Period is                                     $228,799.07

15.  The aggregate amount of Class A Investor Charge-offs
     for the prior Monthly Period is                             $0.00

16.  The aggregate amount of Class B Investor Charge-offs
     for the prior Monthly Period is                             $0.00

17.  The aggregate amount of Collateral Charge-offs for
     the prior Monthly Period is                                 $0.00

18.  The aggregate amount of Class A Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

19.  The aggregate amount of Class B Investor Charge-offs
     reimbursed on such Payment Date is                          $0.00

20.  The aggregate amount of Collateral Charge-offs
     reimbursed on such Payment Date is                          $0.00
<PAGE>   51
21.  The amount of the Class A Servicing Fee for the prior
     Monthly Period is                                     $180,208.33

22.  The amount of the Class B Servicing Fee for the prior
     Monthly Period is                                      $11,458.33

23.  The amount of the Collateral Servicing Fee for the
     prior Monthly Period is                                $16,666.67

24.  The Class A Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

25.  The Class B Pool Factor as of the Record Date for the
     Distribution Date is                                   1.00000000

26.  The Class A Investor Amount after giving effect to any
     payments on the Distribution Date is              $432,500,000.00

27.  The Class A Invested Amount after giving effect to any
     payments on the Distribution Date is              $432,500,000.00

28.  The Class B Investor Amount after giving effect to any
     payments on the Distribution Date is               $27,500,000.00

29.  The Class B Invested Amount after giving effect to any
     payments on the Distribution Date is               $27,500,000.00

30.  The amount, if any, by which the outstanding principal
     balance of the Class A Certificates exceeds the Class A
     Investor Amount after giving effect to any activity
     on the Distribution Date is                                  0.00

31.  The amount, if any, by which the outstanding principal
     balance of the Class B Certificates exceeds the Class B
     Investor Amount after giving effect to any activity
     any activity on the Distribution Date is                     0.00

32.  The Available Cash Collateral Amount as of the close of
     business on the Distribution Date is               $10,000,000.00

33.  The Collateral Investor Amount as of the close of
     business on the Distribution Date is               $40,000,000.00
<PAGE>   52
34.  The amount on deposit in the Cash Collateral Account as of
     the close of business on the Distribution Date is  $10,000,000.00

35.  The amount of Interchange with respect to the prior
     Monthly Period is                                     $520,833.33

36.  The amount of Servicer Interchange for the prior
     Monthly Period is                                    $416,666.66

37.  The Deficit Controlled Amortization Amount (after giving
     effect to any activity on the Distribution Date) is        $0.00

38.  The percentage by which the Net Portfolio Yield for the
     prior Monthly Period exceeds the Base Rate for such
     Monthly Period is                                          4.65%

39.  The Net Portfolio Yield for the prior Monthly Period is   11.84%

40.  The Base Rate for the Monthly Period is                    7.19%





     Fleet Bank (RI), National Association as Servicer

       /s/ MICHAEL COCO
    By:------------------------------------------
           Michael Coco
           Vice President


<PAGE>   53

Series 1996-E daily percentages during the prior Monthly Period

                                          Floating            Principal
                                         Allocation          Allocation
                                          Percentage          Percentage

             02/2  -  02/12   1996-E          5.33%               5.33%
            02/13  -  02/28   1996-E          5.01%               5.01%




DELINQUENT BALANCES

The aggregate outstanding balance of Accounts which are 30, 60, 90, 120, 150
and 180 or more days delinquent as of the end of the prior Monthly Period for
such Payment Date is:

                                          AGGREGATE ACCOUNT BALANCE

  (a)  30-59 days: ....................           $141,370,283.70
  (b)  60-89 days: ....................            $89,431,711.92
  (c)  90-119 days: ...................            $67,976,481.76
  (d)  120-149 days: ..................            $58,531,461.77
  (e)  150-179 days: ..................            $50,422,317.75
  (f)  180 or more days: ..............            $20,903,483.39
                                                 ----------------
                          TOTAL                   $428,635,740.29






          Fleet Bank (RI), National Association as Servicer


          /s/ MICHAEL COCO
          ---------------------------
       By: Michael Coco
           Vice President



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