Report of Independent Accountants
MBNA America Bank, N.A.
1100 North King Street
Wilmington, Delaware 19801
and
The Bank of New York
101 Barclay Street
New York, New York 10286
MBNA Master Credit Card Trust II
---------------------------------
We have examined management's assertion that MBNA America Bank, N.A. ("MBNA" or "the Company"), a wholly owned subsidiary of MBNA
Corporation, complied with the covenants and conditions of sections 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a)
and 4.03(a), (c) and (d) of the Pooling and Servicing Agreement dated as of August 4, 1994, as amended (the "PSA") and the sections
specified in Attachment A of the applicable Series' Pooling and Servicing Agreement Supplement (the "PSA Supplement"), between MBNA
and The Bank of New York, during the compliance periods specified in Attachment A. In addition, we have examined management's
assertion that MBNA complied with the covenants and conditions of sections 310(a), 402(a), 701(a) and (b), 907, 908(a) and 1201 of
the MBNA Credit Card Master Note Trust Indenture dated as of May 24, 2001 (the "Indenture") and sections 2.02(i)-(iv), 3.16 and
4.01(a) of the MBNA Credit Card Master Note Trust MBNAseries Indenture Supplement dated May 24, 2001 (the "Indenture Supplement"
together with the PSA, PSA Supplement and Indenture, the "Agreements"), between the MBNA Credit Card Master Note Trust and The Bank
of New York, during the compliance periods specified in Attachment A.
This assertion is included in the accompanying report by management titled, "Report of Management on Credit Card and Consumer Loan
Trust Internal Control and Pooling and Servicing Agreement/Indenture Compliance" (the "Report"). Management is responsible for
MBNA's compliance with those requirements. Our responsibility is to express an opinion on management's assertions about the Company's
compliance based on our examination.
Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public
Accountants and, accordingly, included examining, on a test basis, evidence about MBNA's compliance with those requirements and
performing such other procedures as we considered necessary in the circumstances. We believe that our examination provides a
reasonable basis for our opinion. Our examination does not provide a legal determination on MBNA's compliance with specified
requirements.
In our opinion, management's assertion that MBNA complied with the covenants and conditions of the Agreements, referred to above,
during the compliance periods specified in Attachment A, are fairly stated, in all material respects.
This report is intended solely for the information and use of MBNA and The Bank of New York, as Trustee of the MBNA Master Credit
Card TrustII and Indenture Trustee of the MBNA Master Credit Card Note Trust, and is not intended and should not be used by anyone
other than these specified parties and anyone who is authorized to receive such information as specified in the Agreements or in the
applicable Series' or MBNAseries Notes' Underwriting/Subscription/Purchase Agreement, as specified in Attachment A. However, this
report is a matter of public record and its distribution is not limited.
/s/ Ernst and Young LLP
August 15, 2003
Attachment A
Pooling and Servicing PSA
Agreement Supplement
Series Supplement Date (*) Sections Compliance Period
- -------------------------------------------------------------------------------------------------------------------------------------
1994-E December 15, 1994 (b) July 1, 2002 - June 30, 2003
1995-A March 22, 1995 (a) July 1, 2002 - June 30, 2003
1995-C June 29, 1995 (c) July 1, 2002 - June 30, 2003
1995-E August 2, 1995 (a) July 1, 2002 - September 16, 2002
1995-G September 27, 1995 (a) July 1, 2002 - November 15, 2002
1995-J November 21, 1995 (a) July 1, 2002 - December 16, 2002
1996-A February 28, 1996 (a) July 1, 2002 - March 17, 2003
1996-B March 26, 1996 (a) July 1, 2002 - June 30, 2003
1996-E May 21, 1996 (a) July 1, 2002 - June 16, 2003
1996-F June 25, 1996 (e) July 1, 2002 - July 15, 2002
1996-G July 17, 1996 (a) July 1, 2002 - June 30, 2003
1996-J September 19, 1996 (a) July 1, 2002 - June 30, 2003
1996-K October 24, 1996 (a) July 1, 2002 - June 30, 2003
1996-M November 26, 1996 (f) July 1, 2002 - June 30, 2003
1997-B February 27, 1997 (a) July 1, 2002 - June 30, 2003
1997-C March 26, 1997 (a) July 1, 2002 - June 30, 2003
Attachment A (continued)
Pooling and Servicing PSA
Agreement Supplement
Series Supplement Date (*) Sections Compliance Period
- -------------------------------------------------------------------------------------------------------------------------------------
1997-D May 22, 1997 (g) July 1, 2002 - June 30, 2003
1997-G June 18, 1997 (a) July 1, 2002 - June 30, 2003
1997-H August 6, 1997 (g) July 1, 2002 - June 30, 2003
1997-I August 26, 1997 (h) July 1, 2002 - June 30, 2003
1997-J September 10, 1997 (a) July 1, 2002 - June 30, 2003
1997-K October 22, 1997 (a) July 1, 2002 - June 30, 2003
1997-L November 13, 1997 (g) July 1, 2002 - November 15, 2002
1997-M November 6, 1997 (f) July 1, 2002 - October 15, 2002
1997-O December 23, 1997 (a) July 1, 2002 - June 30, 2003
1998-A March 18, 1998 (a) July 1, 2002 - March 17, 2003
1998-B April 14 , 1998 (g) July 1, 2002 - June 30, 2003
1998-C June 24, 1998 (a) July 1, 2002 - June 16, 2003
1998-D July 30, 1998 (h) July 1, 2002 - June 30, 2003
1998-E August 11, 1998 (f) July 1, 2002 - June 30, 2003
1998-F August 26, 1998 (f) July 1, 2002 - June 30, 2003
1998-G September 10, 1998 (a) July 1, 2002 - June 30, 2003
Attachment A (continued)
Pooling and Servicing PSA
Agreement Supplement
Series Supplement Date (*) Sections Compliance Period
- -------------------------------------------------------------------------------------------------------------------------------------
1998-J October 29, 1998 (a) July 1, 2002 - June 30, 2003
1998-K November 24, 1998 (a) July 1, 2002 - August 15, 2002
1999-A March 25, 1999 (a) July 1, 2002 - June 30, 2003
1999-B March 26, 1999 (h) July 1, 2002 - June 30, 2003
1999-C May 18, 1999 (g) July 1, 2002 - June 30, 2003
1999-D June 3, 1999 (a) July 1, 2002 - June 30, 2003
1999-F August 3, 1999 (g) July 1, 2002 - June 30, 2003
1999-G July 29, 1999 (h) July 1, 2002 - June 30, 2003
1999-H August 18, 1999 (f) July 1, 2002 - June 30, 2003
1999-I September 8, 1999 (h) July 1, 2002 - August 15, 2002
1999-J September 23, 1999 (h) July 1, 2002 - June 30, 2003
1999-K October 27, 1999 (i) July 1, 2002 - October 15, 2002
1999-L November 5, 1999 (a) July 1, 2002 - June 30, 2003
1999-M December 1, 1999 (h) July 1, 2002 - June 30, 2003
2000-A March 8, 2000 (h) July 1, 2002 - June 30, 2003
2000-B March 28, 2000 (a) July 1, 2002 - February 18, 2003
2000-C April 13, 2000 (a) July 1, 2002 - June 30, 2003
Attachment A (continued)
Pooling and Servicing PSA
Agreement Supplement
Series Supplement Date (*) Sections Compliance Period
- -------------------------------------------------------------------------------------------------------------------------------------
2000-D May 11, 2000 (a) July 1, 2002 - June 30, 2003
2000-E June 1, 2000 (h) July 1, 2002 - June 30, 2003
2000-F June 23, 2000 (f) July 1, 2002 - June 30, 2003
2000-G July 20, 2000 (f) July 1, 2002 - June 30, 2003
2000-H August 23, 2000 (a) July 1, 2002 - June 30, 2003
2000-I September 8, 2000 (k) July 1, 2002 - June 30, 2003
2000-J October 12, 2000 (l) July 1, 2002 - June 30, 2003
2000-K November 21, 2000 (f) July 1, 2002 - June 30, 2003
2000-L December 13, 2000 (k) July 1, 2002 - June 30, 2003
2000-Z March 30, 2000 (j) July 1, 2002 - May 15, 2003
2001-A February 20, 2001 (a) July 1, 2002 - June 30, 2003
2001-B March 8, 2001 (a) July 1, 2002 - June 30, 2003
2001-C April 25, 2001 (g) July 1, 2002 - June 30, 2003
2001-D May 24, 2001 (m) July 1, 2002 - June 30, 2003
Attachment A (continued)
Indenture and
MBNA Credit Card Indenture Supplement Terms
Master Note Trust Date Document
Notes Date Compliance Period
- -------------------------------------------------------------------------------------------------------------------------------------
- -------------------------------------------------------------------------------------------------------------------------------------
MBNAseries Class B (2001-1) May 24, 2001 May 24, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class C (2001-1) May 24, 2001 May 24, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class A (2001-1) May 24, 2001 May 31, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class C (2001-2) May 24, 2001 July 12, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class C (2001-3) May 24, 2001 July 25, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class A (2001-2) May 24, 2001 July 26, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class A (2001-3) May 24, 2001 August 8, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class A (2001-Emerald) May 24, 2001 August 15, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class B (2001-2) May 24, 2001 September 6, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class C (2001-4) May 24, 2001 September 6, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class A (2001-4) May 24, 2001 September 27, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class A (2001-5) May 24, 2001 November 8, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class C (2001-5) May 24, 2001 December 11, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class B (2001-3) May 24, 2001 December 20, 2001 July 1, 2002 - June 30, 2003
MBNAseries Class A (2002-1) May 24, 2001 January 31, 2002 July 1, 2002 - June 30, 2003
Attachment A (continued)
Indenture and
MBNA Credit Card Indenture Supplement Terms
Master Note Trust Date Document
Notes Date Compliance Period
- -------------------------------------------------------------------------------------------------------------------------------------
- -------------------------------------------------------------------------------------------------------------------------------------
MBNAseries Class B (2002-1) May 24, 2001 February 28, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class C (2002-1) May 24, 2001 February 28, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class A (2002-2) May 24, 2001 March 27, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class A (2002-3) May 24, 2001 April 24, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class A (2002-4) May 24, 2001 May 9, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class A (2002-5) May 24, 2001 May 30, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class B (2002-2) May 24, 2001 June 12, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class C (2002-2) May 24, 2001 June 12, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class C (2002-3) May 24, 2001 June 12, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class A (2002-6) May 24, 2001 June 26, 2002 July 1, 2002 - June 30, 2003
MBNAseries Class A (2002-7) May 24, 2001 July 25, 2002 July 25, 2002 - June 30, 2003
MBNAseries Class A (2002-8) May 24, 2001 July 31, 2002 July 31, 2002 - June 30, 2003
MBNAseries Class A (2002-9) May 24, 2001 July 31, 2002 July 31, 2002 - June 30, 2003
MBNAseries Class B (2002-3) May 24, 2001 August 29, 2002 August 29, 2002 - June 30, 2003
MBNAseries Class C (2002-4) May 24, 2001 August 29, 2002 August 29, 2002 - June 30, 2003
MBNAseries Class C (2002-5) May 24, 2001 August 29, 2002 August 29, 2002 - June 30, 2003
Attachment A (continued)
Indenture and
MBNA Credit Card Indenture Supplement Terms
Master Note Trust Date Document
Notes Date Compliance Period
- -------------------------------------------------------------------------------------------------------------------------------------
MBNAseries Class A (2002-10) May 24, 2001 September 19, 2002 September 19, 2002 - June 30, 2003
MBNAseries Class B (2002-4) May 24, 2001 October 29, 2002 October 29, 2002 - June 30, 2003
MBNAseries Class C (2002-6) May 24, 2001 October 29, 2002 October 29, 2002 - June 30, 2003
MBNAseries Class C (2002-7) May 24, 2001 October 29, 2002 October 29, 2002 - June 30, 2003
MBNAseries Class A (2002-11) May 24, 2001 October 30, 2002 October 30, 2002 - June 30, 2003
MBNAseries Class A (2002-12) May 24, 2001 November 19, 2002 November 19, 2002 - June 30, 2003
MBNAseries Class A (2002-13) May 24, 2001 December 18, 2002 December 18, 2002 - June 30, 2003
MBNAseries Class C (2003-1) May 24, 2001 February 4, 2003 February 4, 2003 - June 30, 2003
MBNAseries Class C (2003-2) May 24, 2001 February 12, 2003 February 12, 2003 - June 30, 2003
MBNAseries Class B (2003-1) May 24, 2001 February 20, 2003 February 20, 2003 - June 30, 2003
MBNAseries Class A (2003-1) May 24, 2001 February 27, 2003 February 27, 2003 - June 30, 2003
MBNAseries Class A (2003-2) May 24, 2001 March 26, 2003 March 26, 2003 - June 30, 2003
MBNAseries Class A (2003-3) May 24, 2001 April 10, 2003 April 10, 2003 - June 30, 2003
MBNAseries Class A (2003-4) May 24, 2001 April 24, 2003 April 24, 2003 - June 30, 2003
MBNAseries Class C (2003-3) May 24, 2001 May 8, 2003 May 8, 2003 - June 30, 2003
MBNAseries Class A (2003-5) May 24, 2001 May 21, 2003 May 21, 2003 - June 30, 2003
Attachment A (continued)
Indenture and
MBNA Credit Card Indenture Supplement Terms
Master Note Trust Date Document
Notes Date Compliance Period
- -------------------------------------------------------------------------------------------------------------------------------------
MBNAseries Class A (2003-6) May 24, 2001 June 4, 2003 June 4, 2003 - June 30, 2003
MBNAseries Class B (2003-2) May 24, 2001 June 12, 2003 June 12, 2003 - June 30, 2003
MBNAseries Class C (2003-4) May 24, 2001 June 19, 2003 June 19, 2003 - June 30, 2003
Legend:
(a) PSA Supplement Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 5.02(a) and 9(c) and (d)
(b) PSA Supplement Sections 3(c), 4.05 through 4.11, 4.13, 5.02(a) and 10(c) and (d)
(c) PSA Supplement Sections 3(b), 4.05 through 4.09, 4.11 through 4.14, 4.16(a), 4.17(a), 4.20(a) and (g), 4.21(a), 5.02(a) and
9(c) and (d)
(e) PSA Supplement Sections 3(b), 4.05 through 4.13, 5.02(a) and 10(c) and (d)
(f) PSA Supplement Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.18(a), 5.02(a) and 9(c) and (d)
(g) PSA Supplement Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.18(a), 5.02(a) and 10(c) and (d)
(h) PSA Supplement Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.16(a), 4.19(a) and (g), 4.20(a), 5.02(a) and 9(c) and
(d)
(i) PSA Supplement Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 5.03(a) and 9(c) and (d)
(j) PSA Supplement Sections 3(b), 4.05 through 4.13, 5.02(a) and 10(c) and (d)
(k) PSA Supplement Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.16(a), 4.18, 4.19(a) and (g), 4.20(a), 5.02(a) and 9(c)
and (d)
(l) PSA Supplement Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.16(a), 4.18, 4.19(a), 5.02(a) and 9(c) and (d)
(m) PSA Supplement Sections 3(b), 4.05 through 4.07, 4.09, 5.02 and 7(c)
(*) Associated document may have been amended.
Report of Independent Accountants
MBNA America Bank, N.A.
1100 North King Street
Wilmington, Delaware 19801
and
The Bank of New York
101 Barclay Street
New York, New York 10286
MBNA Master Credit Card Trust II
---------------------------------
We have examined management's assertion that MBNA America Bank, N.A.'s ("MBNA"), a wholly owned subsidiary of MBNA Corporation,
controls over the functions performed as servicer of the MBNA Master Credit Card Trust II (the "Master Trust"), including all Series
of the Master Trust, as well as all MBNAseries Notes issued from the MBNA Master Credit Card Note Trust (the "Note Trust", together
with the Master Trust, the "Trust") as specified in Attachment A, are effective, as of June 30, 2003, in providing reasonable
assurance that (a) Trust assets are safeguarded against loss from unauthorized use or disposition, (b) transactions are executed in
accordance with management's authorization in conformity with the MBNA Master Credit Card Trust II Pooling and Servicing Agreement
dated as of August 4, 1994, as amended (the "PSA"), the applicable Pooling and Servicing Agreement Supplement for each Series (the
"PSA Supplements"), the MBNA Credit Card Master Note Trust Indenture dated as of May 24, 2001 ("Indenture"), and the MBNAseries
Indenture Supplement dated as of May 24, 2001 ("Indenture Supplement", together with the PSA, PSA Supplements and Indenture, the
"Agreements") as specified in Attachment A, and (c) transactions are recorded properly to permit the preparation of the required
financial reports. This assertion is included in the accompanying report by management titled, "Report of Management on Credit Card
and Consumer Loan Trust Internal Control and Pooling and Servicing Agreement/Indenture Compliance" (the "Report"). Management is
responsible for MBNA's controls over the functions performed as servicer of the Trust. Our responsibility is to express an opinion
on the effectiveness of internal control based on our examination.
Our examination was conducted in accordance with attestation standards established by the American Institute of Certified Public
Accountants and, accordingly, included obtaining an understanding of the controls over the functions performed by MBNA as servicer of
the Trust, testing and evaluating the design and operating effectiveness of those controls, and such other procedures as we
considered necessary in the circumstances. We believe that our examination provides a reasonable basis for our opinion.
Because of inherent limitations in any internal control, misstatements due to error or fraud may occur and not be detected. Also,
projections of any evaluation of the controls over the functions performed by MBNA as servicer of the Trust to future periods are
subject to the risk that the controls may become inadequate because of changes in conditions, or that the degree of compliance with
the controls may deteriorate.
In our opinion, management's assertion, that MBNA's controls over the functions performed as servicer of the Trust are effective in
providing reasonable assurance that Trust assets are safeguarded against loss from unauthorized use or disposition, that transactions
are executed in accordance with management's authorization in conformity with the Agreements and that transactions are recorded
properly to permit the preparation of the required financial reports, as of June 30, 2003, is fairly stated, in all material
respects, based upon the following criteria specified in the Report:
o Funds collected are remitted to the Trustee in accordance with the Agreements.
o Trust assets are segregated from those retained by MBNA in accordance with the Agreements.
o Expenses incurred by the Trust are calculated and remitted in accordance with the Agreements.
o Additions of accounts to the Trust are authorized in accordance with the Agreements.
o Removals of accounts from the Trust are authorized in accordance with the Agreements.
o Trust assets amortizing out of the Trust are calculated in accordance with the Agreements.
o Monthly Trust reports generated in the form of "Exhibits" and provided to the Trustee are reviewed by a Vice President or
above prior to distribution.
o Monthly Master Trust reports generated in the form of "Exhibits" contain all required information per the PSA and PSA
Supplements.
o Monthly Note Trust reports generated in the form of "Exhibits" contain all required information per the Indenture and
Indenture Supplement.
This report is intended solely for the information and use of the management of MBNA and The Bank of New York, as Trustee of the
Master Trust and Indenture Trustee of the Note Trust, and is not intended to be and should not be used by anyone other than these
specified parties and anyone who is not authorized to receive such information as specified in the Agreements or in the applicable
Series' or MBNAseries Notes' Underwriting/Subscription/Purchase Agreement, as specified in Attachment A. However, this report is a
matter of public record and its distribution is not limited.
/s/ Ernst and Young LLP
August 15, 2003
Attachment A
Series Pooling and Servicing Agreement Supplement Date (1)
- -----------------------------------------------------------------------------------------------------------
1994 - E December 15, 1994
1995 - A March 22, 1995
1995 - C June 29, 1995
1996 - B March 26, 1996
1996 - G July 17, 1996
1996 - J September 19, 1996
1996 - K October 24, 1996
1996 - M November 26, 1996
1997 - B February 27, 1997
1997 - C March 26, 1997
1997 - D May 22, 1997
1997 - G June 18, 1997
1997 - H August 6, 1997
1997 - I August 26, 1997
1997 - J September 10, 1997
1997 - K October 22, 1997
1997 - O December 23, 1997
1998 - B April 14, 1998
1998 - D July 30, 1998
1998 - E August 11, 1998
1998 - F August 26, 1998
1998 - G September 10, 1998
1998 - J October 29, 1998
1999 - A March 25, 1999
1999 - B March 26, 1999
Attachment A (continued)
Series Pooling and Servicing Agreement Supplement Date (1)
- -----------------------------------------------------------------------------------------------------------
1999 - C May 18, 1999
1999 - D June 3, 1999
1999 - F August 3, 1999
1999 - G July 29, 1999
1999 - H August 18, 1999
1999 - J September 23, 1999
1999 - L November 5, 1999
1999 - M December 1, 1999
2000 - A March 8, 2000
2000 - C April 13, 2000
2000 - D May 11, 2000
2000 - E June 1, 2000
2000 - F June 23, 2000
2000 - G July 20, 2000
2000 - H August 23, 2000
2000 - I September 8, 2000
2000 - J October 12, 2000
2000 - K November 21, 2000
2000 - L December 13, 2000
2001 - A February 20, 2001
2001 - B March 8, 2001
2001 - C April 25, 2001
2001 - D May 24, 2001
Attachment A (continued)
MBNA Credit Card Master Note Trust
MBNAseries Notes Issuance Date
- -----------------------------------------------------------------------------------------------------------------
- -----------------------------------------------------------------------------------------------------------------
Class B (2001-1) May 24, 2001
Class C (2001-1) May 24, 2001
Class A (2001-1) May 31, 2001
Class C (2001-2) July 12, 2001
Class C (2001-3) July 25, 2001
Class A (2001-2) July 26, 2001
Class A (2001-3) August 8, 2001
Class A (2001-Emerald) August 15, 2001
Class B (2001-2) September 6, 2001
Class C (2001-4) September 6, 2001
Class A (2001-4) September 27, 2001
Class A (2001-5) November 8, 2001
Class C (2001-5) December 11, 2001
Class B (2001-3) December 20, 2001
Class A (2002-1) January 31, 2002
Class B (2002-1) February 28, 2002
Class C (2002-1) February 28, 2002
Class A (2002-2) March 27, 2002
Class A (2002-3) April 24, 2002
Class A (2002-4) May 9, 2002
Class A (2002-5) May 30, 2002
Class B (2002-2) June 12, 2002
Class C (2002-2) June 12, 2002
Class C (2002-3) June 12, 2002
Class A (2002-6) June 26, 2002
Class A (2002-7) July 25, 2002
Attachment A (continued)
MBNA Credit Card Master Note Trust
MBNAseries Notes Issuance Date
- -----------------------------------------------------------------------------------------------------------------
Class A (2002-8) July 31, 2002
Class A (2002-9) July 31, 2002
Class B (2002-3) August 29, 2002
Class C (2002-4) August 29, 2002
Class C (2002-5) August 29, 2002
Class A (2002-10) September 19, 2002
Class B (2002-4) October 29, 2002
Class C (2002-6) October 29, 2002
Class C (2002-7) October 29, 2002
Class A (2002-11) October 30, 2002
Class A (2002-12) November 19, 2002
Class A (2002-13) December 18, 2002
Class C (2003-1) February 4, 2003
Class C (2003-2) February 12, 2003
Class B (2003-1) February 20, 2003
Class A (2003-1) February 27, 2003
Class A (2003-2) March 26, 2003
Class A (2003-3) April 10, 2003
Class A (2003-4) April 24, 2003
Class C (2003-3) May 8, 2003
Class A (2003-5) May 21, 2003
Class A (2003-6) June 4, 2003
Class B (2003-2) June 12, 2003
Class C (2003-4) June 19, 2003
Legend:
(1) Associated document may have been amended.
August 15, 2003
Ernst and Young LLP
621 East Pratt Street
Baltimore, Maryland 21202
In connection with your attestation engagements relating to our assertions on (1) the effectiveness of controls over the functions
performed as servicer of MBNA's credit card and consumer loan trusts listed in Appendix I (the "Trusts") as of June 30, 2003, and (2)
compliance by MBNA with the covenants and conditions of certain sections, as specified in Appendix I, of each Trusts' applicable
Pooling and Servicing Agreement, Pooling and Servicing Agreement Supplements, the Indenture and the MBNASeries Indenture Supplement
(together the "Agreements"), and in connection with your agreed upon procedures engagements relating to the amounts in the (a)
"mathematical calculations" set forth in the monthly certificates or settlement reports prepared by MBNA pursuant to subsections
3.04(b) of the Pooling and Servicing Agreements, as applicable, for the periods specified in Appendix I, as well as (b) the
"mathematical calculations" set forth in the monthly exhibits of the MBNA Credit Card Master Note Trust prepared by MBNA pursuant to
subsections 907 and 908(a) of the Indenture for the period July 1, 2002 through June 30, 2003, we recognize that obtaining
representations from us concerning the information contained in this letter is a significant procedure in enabling you to form an
opinion about whether our assertions are fairly stated in all material respects and in performing the specific agreed upon
procedures. Accordingly, we make the following representations with respect to these engagements which are true to our knowledge.
Controls Over the Functions Performed as Servicer of the Trusts
o We acknowledge that, as members of management, we are responsible for establishing and maintaining effective controls over the
functions performed as servicer of the Trusts that provide reasonable assurance to management and the board of directors that
Trust assets are safeguarded against loss from unauthorized use or disposition and that transactions are executed in accordance
with management's authorization in conformity with the Agreements and are recorded properly to permit the preparation of required
financial reports.
o Management has determined that the objectives of our controls with respect to servicing and reporting of sold loans are to
provide reasonable, but not absolute assurance that:
Ernst and Young LLP
August 15, 2003
Page 2
o Funds collected are remitted to the Trustee in accordance with the Agreements.
o Trust assets are segregated from those retained by MBNA in accordance with the Agreements.
o Expenses incurred by the Trusts are calculated and remitted in accordance with the Agreements.
o The additions of accounts to the Trusts are authorized in accordance with the Agreements.
o The removals of accounts from the Trusts are authorized in accordance with the Agreements.
o Trust assets amortizing out of the Trusts are calculated in accordance with the Agreements.
o Monthly Trust reports generated in the form of "Exhibits" and provided to the Trustee are reviewed by a Vice President or
above prior to distribution.
o Monthly Trust reports generated in the form of "Exhibits" contains all information required by the Agreements.
Management has performed an evaluation of MBNA's controls over the functions performed as servicer of the Trusts in relation to these
criteria. Based upon this evaluation, the controls over the functions performed as servicer of the Trusts as of June 30, 2003, are
effective in providing reasonable assurance that Trust assets are safeguarded against loss from unauthorized use or disposition and
that transactions are executed in accordance with management's authorization in conformity with the Agreements between MBNA and the
applicable Trustee and are recorded properly to permit the preparation of the required financial reports.
We confirm to our knowledge, the following representations made to you during your attestation engagement.
1. The criteria against which we measured our assertion, as specified above, are sufficiently clear and comprehensive for a
knowledgeable user of the report to be able to understand them.
Ernst and Young LLP
August 15, 2003
Page 3
2. We acknowledge our responsibility for the design and implementation of programs and controls to prevent and detect fraud.
We have no knowledge of any fraud or suspected fraud affecting the functions performed as servicer of the Trusts involving:
management; employees who have significant roles in internal control; or others where the fraud could have a material effect. We
have no knowledge of any allegations of fraud or suspected fraud affecting the functions performed as servicer of the Trusts
received in communications from employees, former employees, analysts, regulators, short sellers, or
others.
3. We have disclosed to you all significant deficiencies in the design or operation of the controls that could adversely affect
MBNA's ability to safeguard Trust assets against loss, execute transactions in accordance with management's authority in
conformity with the applicable Agreements and prepare the required financial reports.
4. We have made available to you all reports of examination from regulatory agencies. To our knowledge there were no
situations of noncompliance with or deficiencies in controls communicated by any regulatory agencies which would preclude
achievement of any of the criteria noted above.
5. No matters or occurrences, including those which may be communicated by regulatory agencies, have come to our attention up
to the date of this letter that might significantly change or affect the controls over the functions performed as servicer of the
Trusts, including any corrective actions taken (or that may be taken) by management regarding significant deficiencies.
Compliance with Covenants and Conditions of the Agreements
We acknowledge that we are responsible for complying with the covenants and conditions of the Agreements. We are also responsible
for establishing and maintaining effective internal control over compliance with the covenants and conditions of the Agreements. We
have performed an evaluation of MBNA's compliance with the relevant covenants and conditions of the Agreements identified in Appendix
I for each of the Agreements, for the periods specified in Appendix I. Our evaluation assumed the accuracy of reports prepared by
MBNA's bank card processor and did not extend to the relevant aspects of MBNA's compliance that are the responsibility of the bank
card processor. Based on this evaluation, MBNA complied with the relevant covenants and conditions of the Agreements identified in
Appendix I for each of the Agreements during the periods specified in Appendix I.
We have made available to your representatives all documentation related to compliance with the specified requirements of the
Agreements.
There has been no known noncompliance with the relevant covenants and conditions of the Agreements identified in Appendix I for each
of the Agreements, for the periods specified in Appendix I and through the date of your attestation examination report.
Ernst and Young LLP
August 15, 2003
Page 4
We have received no communications from regulatory agencies, internal auditors or other parties concerning possible non-compliance
with the covenants and conditions of the Agreements including communications received between June 30, 2003 and the date of this
letter.
No events or transactions have occurred since June 30, 2003 or are pending that would have an effect on the compliance with the
covenants and conditions of the Agreements identified in Appendix I at that date or for the periods specified in Appendix I.
We are not aware of any instances of fraud involving management or employees who have significant roles in internal control over
compliance, or other employees, with the covenants and conditions of the Agreements identified in Appendix I.
Agreed Upon Procedures Applied to Monthly Certificates or Settlement Reports
We acknowledge that, as members of management, we are responsible for preparing the monthly certificates pursuant to the applicable
sections of the Agreements. We also are responsible for selecting the criteria against which the amounts in the "mathematical
calculations" set forth in the monthly certificates (i.e. the Form of Monthly Servicer's Certificate and the Schedule to the Monthly
Servicer's Certificate of each series of each trust) should be measured, and for determining that such criteria are appropriate for
our purposes.
We have made available to your representatives all documentation related to the monthly certificates for the periods specified in
Appendix I.
We understand that your examinations were made, and your agreed upon procedures engagement was conducted, in accordance with
attestation standards established by the American Institute of Certified Public Accountants and were therefore, designed primarily
for the purpose of expressing opinions on whether our assertions regarding (1) the effectiveness of the controls over the functions
performed as servicer of the Trusts and (2) our compliance with the covenants and conditions of certain sections of the Agreements
were fairly stated, in all material respects, based on the specified criteria. We further understand that your tests of our records
and other procedures were limited to those that you considered necessary for that purpose. We understand that an agreed upon
procedures engagement is substantially less in scope than an examination, the objective of which is the expression of an opinion on
the amounts in the "mathematical calculations" set forth in the monthly certificates. We also understand that the sufficiency of the
procedures performed in your agreed upon procedures engagement is solely the responsibility of the specified users of the report.
Ernst and Young LLP
August 15, 2003
Page 5
MBNA America Bank, N.A. by:
/s/ Vernon H.C. Wright
Vernon H.C. Wright
Chief Corporate Finance Officer
/s/Kenneth A. Vecchione
Kenneth A. Vecchione
Senior Vice Chairman and
Chief Financial Officer
/s/Thomas D. Wren
Thomas D. Wren
Vice Chairman and Treasurer
/s/Randall J. Black
Randall J. Black
Senior Executive Vice President and
Controller
/s/Douglas O. Hart
Douglas O. Hart
Senior Executive Vice President
Report of Management on Credit Card and Consumer Loan Trust Internal Control
and Pooling and Servicing Agreement/Indenture Compliance
Trust Internal Control
- ----------------------
MBNA America Bank, N.A., ("MBNA" or the "Company"), a wholly owned subsidiary of MBNA Corporation is responsible for establishing and
maintaining effective controls over the functions performed as servicer of MBNA's credit card and consumer loan trusts, listed in
Appendix I (the "Trusts" or individually "Trust"). These controls are designed to provide reasonable assurance to the Company's
management and board of directors that Trust assets are safeguarded against loss from unauthorized use or disposition and that
transactions are executed in accordance with management's authorization in conformity with the applicable Pooling and Servicing
Agreements, Pooling and Servicing Agreement Supplements, Indenture and MBNASeries Indenture Supplement (together the "Agreements") as
specified in Appendix I, between MBNA as Seller/Transferor and Servicer and the applicable Trustee (specific Agreements and Trustees
are listed in Appendix I) and are recorded properly to permit the preparation of the required financial reports.
Because of inherent limitations in any control, no matter how well-designed, misstatements due to error or fraud may occur and not be
detected, including the possibility of the circumvention or overriding of controls. Accordingly, even effective controls can provide
only reasonable assurance with respect to the achievement of any objectives of controls. Further, because of changes in conditions,
the effectiveness of controls may vary over time.
The Company has determined that the objectives of controls with respect to servicing and reporting of sold loans are to provide
reasonable, but not absolute assurance that:
o Funds collected are remitted to the Trustee in accordance with the Agreements.
o Trust assets are segregated from those retained by MBNA in accordance with the Agreements.
o Expenses incurred by the Trusts are calculated and remitted in accordance with the Agreements.
o The additions of accounts to the Trusts are authorized in accordance with the Agreements.
o The removals of accounts from the Trusts are authorized in accordance with the Agreements.
August 15, 2003
Page 2
Trust Internal Control (continued)
- ----------------------
o Trust assets amortizing out of the Trusts are calculated in accordance with the Agreements.
o Monthly Trust reports generated in the form of "Exhibits" and provided to the Trustee are reviewed by a Vice President or
above prior to distribution.
o Monthly Trust reports generated in the form of "Exhibits" contain all information required by the Agreements.
The Company assessed its controls over the functions performed as servicer of the Trusts in relation to these criteria. Based upon
this assessment, the Company believes that, as of June 30, 2003, its controls over the functions performed as servicer of the Trusts
are effective in providing reasonable assurance that Trust assets are safeguarded against loss from unauthorized use or disposition
and that transactions are executed in accordance with management's authorization in conformity with the Agreements between MBNA and
the applicable Trustees and are recorded properly to permit the preparation of the required financial reports.
Pooling and Servicing Agreement Compliance
- ------------------------------------------
The Company is responsible for complying with the covenants and conditions of the Agreements listed in Appendix I to this report.
The Company is also responsible for establishing and maintaining effective internal control over compliance with the covenants and
conditions of the Agreements. The Company has performed an evaluation of its compliance with the requirements of the relevant
covenants and conditions identified in Appendix I for each of the Agreements. Based on this evaluation, MBNA complied with the
requirements of the relevant covenants and conditions of the Agreements identified in Appendix I for each of the Agreements during
the periods specified in Appendix I.
August 15, 2003
Page 3
MBNA America Bank, N.A. by:
/s/Vernon H.C. Wright
Vernon H.C. Wright
Chief Corporate Finance Officer
/s/Kenneth A. Vecchione
Kenneth A. Vecchione
Senior Vice Chairman and
Chief Financial Officer
/s/Thomas D. Wren
Thomas D. Wren
Vice Chairman and Treasurer
/s/Randall J. Black
Randall J. Black
Senior Executive Vice President and
Controller
/s/Douglas O. Hart
Douglas O. Hart
Senior Executive Vice President
PSA SERVICING
PSA SUPPL. COMPLIANCE PSA COVENANTS
TRUST TRUSTEE DATE * DATE * PERIOD AND CONDITIONS
- ----------------------------------------------------------------------------------------------------------------------------------------
MBNA Master Credit Card Trust II Series 1994-E The Bank of New York 8/4/94 12/15/94 7/1/02 - 6/30/03 (b)
MBNA Master Credit Card Trust II Series 1995-A The Bank of New York 8/4/94 3/22/95 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1995-C The Bank of New York 8/4/94 6/29/95 7/1/02 - 6/30/03 (c)
MBNA Master Credit Card Trust II Series 1995-E The Bank of New York 8/4/94 8/2/95 7/1/02 - 9/16/02 (a)
MBNA Master Credit Card Trust II Series 1995-G The Bank of New York 8/4/94 9/27/95 7/1/02 - 11/15/02 (a)
MBNA Master Credit Card Trust II Series 1995-J The Bank of New York 8/4/94 11/21/95 7/1/02 - 12/16/02 (a)
MBNA Master Credit Card Trust II Series 1996-A The Bank of New York 8/4/94 2/28/96 7/1/02 - 3/17/03 (a)
MBNA Master Credit Card Trust II Series 1996-B The Bank of New York 8/4/94 3/26/96 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1996-E The Bank of New York 8/4/94 5/21/96 7/1/02 - 6/16/03 (a)
MBNA Master Credit Card Trust II Series 1996-F The Bank of New York 8/4/94 6/25/96 7/1/02 - 7/15/02 (d)
MBNA Master Credit Card Trust II Series 1996-G The Bank of New York 8/4/94 7/17/96 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1996-J The Bank of New York 8/4/94 9/19/96 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1996-K The Bank of New York 8/4/94 10/24/96 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1996-M The Bank of New York 8/4/94 11/26/96 7/1/02 - 6/30/03 (e)
MBNA Master Credit Card Trust II Series 1997-B The Bank of New York 8/4/94 2/27/97 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1997-C The Bank of New York 8/4/94 3/26/97 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1997-D The Bank of New York 8/4/94 5/22/97 7/1/02 - 6/30/03 (f)
MBNA Master Credit Card Trust II Series 1997-G The Bank of New York 8/4/94 6/18/97 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1997-H The Bank of New York 8/4/94 8/6/97 7/1/02 - 6/30/03 (f)
MBNA Master Credit Card Trust II Series 1997-I The Bank of New York 8/4/94 8/26/97 7/1/02 - 6/30/03 (g)
MBNA Master Credit Card Trust II Series 1997-J The Bank of New York 8/4/94 9/10/97 7/1/02 - 6/30/03 (a)
MBNA Master Consumer Loan Trust Series 1997-1 Deutsche Bank Trust 9/24/97 9/24/97 7/1/02 - 6/30/03 (m)
Company Americas
MBNA Master Credit Card Trust II Series 1997-K The Bank of New York 8/4/94 10/22/97 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1997-L The Bank of New York 8/4/94 11/13/97 7/1/02 - 11/15/02 (f)
MBNA Master Credit Card Trust II Series 1997-M The Bank of New York 8/4/94 11/6/97 7/1/02 - 10/15/02 (e)
MBNA Master Credit Card Trust II Series 1997-O The Bank of New York 8/4/94 12/23/97 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1998-A The Bank of New York 8/4/94 3/18/98 7/1/02 - 3/17/03 (a)
MBNA Master Credit Card Trust II Series 1998-B The Bank of New York 8/4/94 4/14/98 7/1/02 - 6/30/03 (f)
MBNA Master Credit Card Trust II Series 1998-C The Bank of New York 8/4/94 6/24/98 7/1/02 - 6/16/03 (a)
MBNA Master Credit Card Trust II Series 1998-D The Bank of New York 8/4/94 7/30/98 7/1/02 - 6/30/03 (g)
MBNA Master Credit Card Trust II Series 1998-E The Bank of New York 8/4/94 8/11/98 7/1/02 - 6/30/03 (e)
MBNA Master Credit Card Trust II Series 1998-F The Bank of New York 8/4/94 8/26/98 7/1/02 - 6/30/03 (e)
MBNA Master Credit Card Trust II Series 1998-G The Bank of New York 8/4/94 9/10/98 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1998-J The Bank of New York 8/4/94 10/29/98 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1998-K The Bank of New York 8/4/94 11/24/98 7/1/02 - 8/15/02 (a)
PSA SERVICING
PSA SUPPL. COMPLIANCE PSA COVENANTS
TRUST TRUSTEE DATE * DATE * PERIOD AND CONDITIONS
- ----------------------------------------------------------------------------------------------------------------------------------
MBNA Master Credit Card Trust II Series 1999-A The Bank of New York 8/4/94 3/25/99 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1999-B The Bank of New York 8/4/94 3/26/99 7/1/02 - 6/30/03 (g)
MBNA Master Credit Card Trust II Series 1999-C The Bank of New York 8/4/94 5/18/99 7/1/02 - 6/30/03 (f)
MBNA Master Credit Card Trust II Series 1999-D The Bank of New York 8/4/94 6/3/99 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1999-F The Bank of New York 8/4/94 8/3/99 7/1/02 - 6/30/03 (f)
MBNA Master Credit Card Trust II Series 1999-G The Bank of New York 8/4/94 7/29/99 7/1/02 - 6/30/03 (g)
MBNA Master Credit Card Trust II Series 1999-H The Bank of New York 8/4/94 8/18/99 7/1/02 - 6/30/03 (e)
MBNA Master Credit Card Trust II Series 1999-I The Bank of New York 8/4/94 9/8/99 7/1/02 - 8/15/02 (g)
MBNA Master Credit Card Trust II Series 1999-J The Bank of New York 8/4/94 9/23/99 7/1/02 - 6/30/03 (g)
MBNA Master Credit Card Trust II Series 1999-K The Bank of New York 8/4/94 10/27/99 7/1/02 - 10/15/02 (h)
MBNA Master Credit Card Trust II Series 1999-L The Bank of New York 8/4/94 11/5/99 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 1999-M The Bank of New York 8/4/94 12/1/99 7/1/02 - 6/30/03 (g)
MBNA Master Credit Card Trust II Series 2000-A The Bank of New York 8/4/94 3/8/00 7/1/02 - 6/30/03 (g)
MBNA Master Credit Card Trust II Series 2000-B The Bank of New York 8/4/94 3/28/00 7/1/02 - 2/18/03 (a)
MBNA Master Credit Card Trust II Series 2000-Z The Bank of New York 8/4/94 3/30/00 7/1/02 - 5/15/03 (i)
MBNA Master Credit Card Trust II Series 2000-C The Bank of New York 8/4/94 4/13/00 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 2000-D The Bank of New York 8/4/94 5/11/00 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 2000-E The Bank of New York 8/4/94 6/1/00 7/1/02 - 6/30/03 (g)
MBNA Master Credit Card Trust II Series 2000-F The Bank of New York 8/4/94 6/23/00 7/1/02 - 6/30/03 (e)
MBNA Master Consumer Loan Trust Series 2000-1 Deutsche Bank Trust 9/24/97 6/29/00 7/1/02 - 6/30/03 (n)
Company Americas
MBNA Master Credit Card Trust II Series 2000-G The Bank of New York 8/4/94 7/20/00 7/1/02 - 6/30/03 (e)
MBNA Master Consumer Loan Trust Series 2000-2 Deutsche Bank Trust 9/24/97 7/26/00 7/1/02 - 6/30/03 (n)
Company Americas
MBNA Master Credit Card Trust II Series 2000-H The Bank of New York 8/4/94 8/23/00 7/1/02 - 6/30/03 (e)
MBNA Master Credit Card Trust II Series 2000-I The Bank of New York 8/4/94 9/8/00 7/1/02 - 6/30/03 (j)
MBNA Triple A Master Trust Series 2000-1 The Bank of New York 9/28/00 9/28/00 7/1/02 - 6/30/03 (o)
MBNA Triple A Master Trust Series 2000-2 The Bank of New York 9/28/00 9/28/00 7/1/02 - 6/30/03 (o)
MBNA Master Credit Card Trust II Series 2000-J The Bank of New York 8/4/94 10/12/00 7/1/02 - 6/30/03 (k)
MBNA Master Credit Card Trust II Series 2000-K The Bank of New York 8/4/94 11/21/00 7/1/02 - 6/30/03 (e)
MBNA Master Credit Card Trust II Series 2000-L The Bank of New York 8/4/94 12/13/00 7/1/02 - 6/30/03 (j)
MBNA Master Credit Card Trust II Series 2001-A The Bank of New York 8/4/94 2/20/01 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 2001-B The Bank of New York 8/4/94 3/8/01 7/1/02 - 6/30/03 (a)
MBNA Master Credit Card Trust II Series 2001-C The Bank of New York 8/4/94 4/25/01 7/1/02 - 6/30/03 (f)
MBNA Master Credit Card Trust II Series 2001-D The Bank of New York 8/4/94 5/24/01 7/1/02 - 6/30/03 (l)
MBNA Master Consumer Loan Trust Series 2001-1 Deutsche Bank Trust
Company Americas 9/24/97 6/28/01 7/1/02 - 6/30/03 (n)
MBNA Master Consumer Loan Trust Series 2001-2 Deutsche Bank Trust 9/24/97 9/19/01 7/1/02 - 6/30/03 (n)
Company Americas
* - Indicates associated agreement may have been amended
PSA and PSA Supplement Covenants and Conditions
- -----------------------------------------------
(a) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iv), 4.05(b)(i)-(iv), 4.05(c)(i)-(ii), 4.05(d), 4.06, 4.07, 4.08, 4.09, 4.10,
4.11, 4.12, 4.13, 4.14(a), 4.15(a), 5.01, 5.02(a), 9(c), 9(d), 11.
(b) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(c), 4.05(a)(i)-(ii), 4.05(b)(i)-(ii), 4.05(c), 4.06, 4.07, 4.08, 4.09, 4.10, 4.11, 4.13, 5.01,
5.02(a), 10(c), 10(d), 12.
(c) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iv), 4.05(b)(i)-(iv), 4.05(c)(i)-(ii), 4.05(d)(i)-(ii), 4.05(e), 4.06, 4.07, 4.08,
4.09, 4.10, 4.12, 4.13, 4.14, 4.16(a), 4.17(a), 4.20(a), 4.20(g), 4.21(a), 5.01, 5.02(a), 9(c), 9(d), 12.
(d) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iii), 4.05(b)(i)-(iii), 4.05(c), 4.05(d), 4.06, 4.07, 4.08, 4.09, 4.10, 4.11,
4.12, 4.13, 5.01, 5.02(a), 10(c), 10(d), 12.
(e) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iv), 4.05(b)(i)-(iv), 4.05(c)(i)-(ii), 4.05(d), 4.06, 4.07, 4.08, 4.09, 4.10, 4.11,
4.12, 4.13, 4.14(a), 4.15(a), 4.18(a), 5.01, 5.02(a), 9(c), 9(d), 11.
(f) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iv), 4.05(b)(i)-(iv), 4.05(c)(i)-(ii), 4.05(d), 4.06, 4.07, 4.08, 4.09, 4.10,
4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.18(a), 5.01, 5.02(a), 10(c), 10(d), 12.
(g) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iv), 4.05(b)(i)-(iv), 4.05(c)(i)-(ii), 4.05(d)(i)-(ii), 4.05(e), 4.06, 4.07, 4.08,
4.09, 4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.16(a), 4.19(a), 4.19(g), 4.20(a), 5.01, 5.02(a), 9(c), 9(d), 11.
(h) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iii), 4.05(b)(i)-(iii), 4.05(c)(i)-(ii), 4.05(d), 4.05(e), 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 5.01, 5.03(a), 9(c), 9(d), 17.
(i) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iii), 4.05(b)(i)-(iii), 4.05(c), 4.05(d), 4.06, 4.07, 4.08, 4.09, 4.10, 4.11, 4.12,
4.13, 5.02(a), 10(c), 10(d), 12.
(j) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iv), 4.05(b)(i)-(iv), 4.05(c)(i)-(ii), 4.05(d)(i)-(ii), 4.05(e), 4.06, 4.07, 4.08,
4.09, 4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.16(a), 4.18, 4.19(a), 4.19(g), 4.20(a), 5.01, 5.02(a), 9(c), 9(d), 11.
(k) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iv), 4.05(b)(i)-(iv), 4.05(c)(i)-(ii), 4.05(d)(i)-(ii), 4.05(e), 4.06, 4.07, 4.08,
4.09, 4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.16(a), 4.18, 4.19(a), 5.01, 5.02(a), 9(c), 9(d),11.
(l) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.09, 5.02, 7(c).
(m) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 4.06(a)(i)-(v), 4.06(b)(i)-(ii), 4.06(c), 4.06(d), 4.07, 4.08, 4.09, 4.10, 4.11, 4.12, 4.13, 4.14,
4.15, 4.19(a), 4.19(c), 5.01, 5.02(a), 10(c), 10(e).
(n) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 4.06(a)(i)-(v), 4.06(b)(i)-(ii), 4.06(c), 4.06(d), 4.07, 4.08, 4.09, 4.10, 4.11, 4.12, 4.13, 4.14,
4.15, 4.16, 4.17, 4.19(a), 4.19(c), 5.01, 5.02(a), 10(c), 10(e).
(o) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05, 3.06(b), 4.02(a), 4.03(a), 4.03(c), 4.03(d).
PSA Supplement Sections - 3(b), 4.05(a)(i)-(iii), 4.05(b)(i)-(iii), 4.05(c), 4.05(d), 4.06, 4.07, 4.08, 4.09, 4.10, 4.11,
4.12, 4.13, 5.01, 5.02(a), 10(c), 10(d), 12.