====================================================================== FORM 8-K SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20529 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934. Date of Report: January 23, 2003 MBNA AMERICA BANK, NATIONAL ASSOCIATION on behalf of the MBNA MASTER CREDIT CARD TRUST II (Exact name of registrant as specified in its charter) United States 333-59424 51- 0331454 - ----------------- ----------------------------- ---------- - ---- (State or other (Commission File (IRS Employer jurisdiction of Number) Identification No.) incorporation) Wilmington, DE 19884-0781 - ----------------------------------------------------------------------- - ------ (Address of principal executive office) Registrant's telephone number, including area code (800) 362-6255. --------------- ITEM 5. OTHER EVENTS On August 1, 2002 the Pooling and Servicing Agreement for the MBNA Master Credit Card Trust II, dated as of August 4, 1994, between MBNA America Bank, National Association, as Seller and Servicer and The Bank of New York, as Trustee, was amended by the Seventh Amendment to the Pooling and Servicing Agreement, dated as of August 1, 2002. On December 16, 2002 the MBNA Master Credit Card Trust II Series 1995-J (the "Series") was terminated in accordance with the provisions of Section 10 of the Series 1995-J Supplement dated as of November 21, 1995, to the Pooling and Servicing Agreement dated as of August 4, 1994 (the "Pooling and Servicing Agreement") and subsection 12.03 of the Pooling and Servicing Agreement. Final Payment will be made on the Series certificates after presentation and surrender of the Series certificates at the offices of The Bank of New York, as the Trustee. Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND EXHIBITS The following are filed as Exhibits to this Report under Exhibit 4: 4.1 Seventh Admendment to the Pooling and Servicing Agreement, dated as of August 1, 2002, among MBNA America Bank, National Association, Seller and Servicer, and The Bank of New York, Trustee. The following are filed as Exhibits to this Report under Exhibit 20: 20.1. Series 1995-A Certificateholders' Statement for the month ended December 31, 2002. 20.2. Series 1995-C Certificateholders' Statement for the month ended December 31, 2002. 20.3. Series 1996-A Certificateholders' Statement for the month ended December 31, 2002. 20.4. Series 1996-B Certificateholders' Statement for the month ended December 31, 2002. 20.5. Series 1996-E Certificateholders' Statement for the month ended December 31, 2002. 20.6. Series 1996-G Certificateholders' Statement for the month ended December 31, 2002. 20.7. Series 1996-J Certificateholders' Statement for the month ended December 31, 2002. 20.8. Series 1996-K Certificateholders' Statement for the month ended December 31, 2002. 20.9. Series 1996-M Certificateholders' Statement for the month ended December 31, 2002. 20.10. Series 1997-B Certificateholders' Statement for the month ended December 31, 2002. 20.11. Series 1997-C Certificateholders' Statement for the month ended December 31, 2002. 20.12. Series 1997-I Certificateholders' Statement for the month ended December 31, 2002. 20.13. Series 1997-J Certificateholders' Statement for the month ended December 31, 2002. 20.14. Series 1997-K Certificateholders' Statement for the month ended December 31, 2002. 20.15. Series 1998-A Certificateholders' Statement for the month ended December 31, 2002. 20.16. Series 1998-C Certificateholders' Statement for the month ended December 31, 2002. 20.17. Series 1998-D Certificateholders' Statement for the month ended December 31, 2002. 20.18. Series 1998-E Certificateholders' Statement for the month ended December 31, 2002. 20.19. Series 1998-F Certificateholders' Statement for the month ended December 31, 2002. 20.20. Series 1998-G Certificateholders' Statement for the month ended December 31, 2002. 20.21. Series 1998-J Certificateholders' Statement for the month ended December 31, 2002. 20.22. Series 1999-A Certificateholders' Statement for the month ended December 31, 2002. 20.23. Series 1999-B Certificateholders' Statement for the month ended December 31, 2002. 20.24. Series 1999-D Certificateholders' Statement for the month ended December 31, 2002. 20.25. Series 1999-G Certificateholders' Statement for the month ended December 31, 2002. 20.26. Series 1999-H Certificateholders' Statement for the month ended December 31, 2002. 20.27. Series 1999-J Certificateholders' Statement for the month ended December 31, 2002. 20.28. Series 1999-L Certificateholders' Statement for the month ended December 31, 2002. 20.29. Series 1999-M Certificateholders' Statement for the month ended December 31, 2002. 20.30. Series 2000-A Certificateholders' Statement for the month ended December 31, 2002. 20.31. Series 2000-B Certificateholders' Statement for the month ended December 31, 2002. 20.32. Series 2000-C Certificateholders' Statement for the month ended December 31, 2002. 20.33. Series 2000-D Certificateholders' Statement for the month ended December 31, 2002. 20.34. Series 2000-E Certificateholders' Statement for the month ended December 31, 2002. 20.35. Series 2000-F Certificateholders' Statement for the month ended December 31, 2002. 20.36. Series 2000-G Certificateholders' Statement for the month ended December 31, 2002. 20.37. Series 2000-H Certificateholders' Statement for the month ended December 31, 2002. 20.38. Series 2000-I Certificateholders' Statement for the month ended December 31, 2002. 20.39. Series 2000-K Certificateholders' Statement for the month ended December 31, 2002. 20.40. Series 2000-L Certificateholders' Statement for the month ended December 31, 2002. 20.41. Series 2001-A Certificateholders' Statement for the month ended December 31, 2002. 20.42. Series 2001-B Certificateholders' Statement for the month ended December 31, 2002. SIGNATURES 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. Dated: January 23, 2003 MBNA AMERICA BANK, NATIONAL ASSOCIATION By: /s/Christopher Harris ---------------------------------- Name: Christopher Harris Title: First Vice President