EXHIBIT C
SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT
MBNAseries
MBNA CREDIT CARD MASTER NOTE TRUST
MONTHLY PERIOD ENDING September 30, 2002
Reference is made to the 2001-D Supplement
(the "Series 2001-D" Supplement), dated as of May
24, 2001, between MBNA America Bank, National
Association, a national banking association (the
"Bank"), as Seller and Servicer, and The Bank
of New York, as Trustee, the Indenture (the
"Indenture"), dated as of May 24, 2001 and the
Indenture Supplement (the "Indenture
Supplement"), dated as of May 24, 2001 , each
between MBNA Credit Card Master Note Trust, as
Issuer, and "The Bank of New York, as Indenture
Trustee. Terms used herein and not defined
herein have the meanings ascribed to them in
the 2001-D Supplement, the Indenture and the
Indenture Supplement, as applicable.
The following computations are prepared with
respect to the Transfer Date of October 11, 2002
and with respect to the performance of the
Trust during the related Monthly Period.
A. Targeted deposits to Interest Funding sub-
Accounts:
Targeted Deposit to Actual Deposit to
Shortfall from Interest Funding Interest Funding
Interest Funding Interest Funding
earlier Monthly sub-account Balance sub-Account
sub-Account for sub-Account for
Periods prior to Withdrawals Earnings
applicable Monthly applicable Monthly
Period Period
Class A:
Class A(2001-1) $4,791,666.67
$4,791,666.67 $0.00 $4,791,666.67
$0.00
Class A(2001-2) $835,010.69
$835,010.69 $0.00 $835,010.69
$0.00
Class A(2001-3) $1,586,944.44
$1,586,944.44 $0.00 $5,034,444.44
$4,618.01
Class A(2001-Emerald) $6,352,345.92
$6,352,345.92 $0.00 $107,422,443.28
$134,003.10
Class A(2001-4) $1,573,354.72
$1,573,354.72 $0.00 $1,573,354.72
$0.00
Class A(2001-5) $818,899.58
$818,899.58 $0.00 $818,899.58
$0.00
Class A(2002-1) $4,125,000.00
$4,125,000.00 $0.00 $4,125,000.00
$0.00
Class A(2002-2) $1,083,600.10
$1,083,600.10 $0.00 $2,204,565.73
$1,500.99
Class A(2002-3) $1,246,474.38
$1,246,474.38 $0.00 $1,246,474.38
$0.00
Class A(2002-4) $1,557,243.61
$1,557,243.61 $0.00 $1,557,243.61
$0.00
Class A(2002-5) $1,210,224.38
$1,210,224.38 $0.00 $1,210,224.38
$0.00
Class A(2002-6) $2,437,500.00
$2,437,500.00 $0.00 $2,437,500.00
$0.00
Class A(2002-7) $817,219.60
$817,219.60 $0.00 $2,367,118.84
$2,074.89
Class A(2002-8) $631,555.56
$631,555.56 $0.00 $1,655,111.12
$1,369.88
Class A(2002-9) $1,071,388.89
$1,071,388.89 $0.00 $2,807,777.77
$2,325.06
Class A(2002-10) $656,230.00
$656,230.00 $0.00 $656,230.00
$0.00
Class A Total: $30,794,658.54
$30,794,658.54 $0.00 $140,743,065.21
$145,891.93
Class B:
Class B(2001-1) $442,678.96
$442,678.96 $0.00 $442,678.96
$0.00
Class B(2001-2) $439,658.13
$439,658.13 $0.00 $439,658.13
$0.00
Class B(2001-3) $280,711.54
$280,711.54 $0.00 $280,711.54
$0.00
Class B(2002-1) $1,072,916.67
$1,072,916.67 $0.00 $1,072,916.67
$0.00
Class B(2002-2) $443,685.90
$443,685.90 $0.00 $443,685.90
$0.00
Class B(2002-3) $675,659.72
$675,659.72 $0.00 $721,727.43
$61.54
Class B Total: $3,355,310.92
$3,355,310.92 $0.00 $3,401,378.63
$61.54
Class C:
Class C(2001-1) $578,616.46
$578,616.46 $0.00 $578,616.46
$0.00
Class C(2001-2) $239,502.14
$239,502.14 $0.00 $239,502.14
$0.00
Class C(2001-3) $2,183,333.33
$2,183,333.33 $0.00 $2,183,333.33
$0.00
Class C(2001-4) $578,616.46
$578,616.46 $0.00 $578,616.46
$0.00
Class C(2001-5) $367,711.54
$367,711.54 $0.00 $367,711.54
$0.00
Class C(2002-1) $1,416,666.67
$1,416,666.67 $0.00 $1,416,666.67
$0.00
Class C(2002-2) $223,391.03
$223,391.03 $0.00 $223,391.03
$0.00
Class C(2002-3) $511,226.50
$511,226.50 $0.00 $511,226.50
$0.00
Class C(2002-4) $368,041.67
$368,041.67 $0.00 $393,135.42
$33.44
Class C(2002-5) $495,000.00
$495,000.00 $0.00 $517,500.00
$29.43
Class C Total: $6,962,105.80
$6,962,105.80 $0.00 $7,009,699.55
$62.87
Total: $41,112,075.26
$41,112,075.26 $0.00 $151,154,143.39
$146,016.34
The Interest Funding Account Balance for
Class A(2001-Emerald) reflects activity as of the end of the Monthly
Period.
B. Interest to be paid on the corresponding
Payment Date:
Amount of interest to be
paid on corresponding
Interest Payment Date
CUSIP
Interest Payment Date Interest Rate
Number
Class A
Class A(2001-1) 55264TAC5
October 15, 2002 5.7500000% $4,791,666.67
Class A(2001-2) 55264TAE1
October 15, 2002 2.0731300% $835,010.69
Class A(2001-3) 55264TAG6
October 15, 2002 1.9700000% $5,034,444.44
Class A(2001-4) 55264TAL5
October 15, 2002 1.9531300% $1,573,354.72
Class A(2001-5) 55264TAM3
October 15, 2002 2.0331300% $818,899.58
Class A(2002-1) 55264TAQ4
October 15, 2002 4.9500000% $4,125,000.00
Class A(2002-3) 55264TAT8
October 15, 2002 2.0631300% $1,246,474.38
Class A(2002-4) 55264TAU5
October 15, 2002 1.9331300% $1,557,243.61
Class A(2002-5) 55264TAV3
October 15, 2002 2.0031300% $1,210,224.38
Class A(2002-6) 55264TAZ4
October 15, 2002 3.9000000% $2,437,500.00
Class A(2002-7) 015111453
October 15, 2002 2.0401800% $2,367,118.84
Class A(2002-8) 55264TBA8
October 15, 2002 1.9600000% $1,655,111.12
Class A(2002-9) 55264TBB6
October 15, 2002 1.9000000% $2,807,777.77
Total Class A $30,459,826.20
Class B
Class B(2001-1) 55264TAA9
October 15, 2002 2.1981300% $442,678.96
Class B(2001-2) 55264TAJ0
October 15, 2002 2.1831300% $439,658.13
Class B(2001-3) 55264TAP6
October 15, 2002 2.3231300% $280,711.54
Class B(2002-1) 55264TAR2
October 15, 2002 5.1500000% $1,072,916.67
Class B(2002-2) 55264TAX9
October 15, 2002 2.2031300% $443,685.90
Class B(2002-3) 55264TBC4
October 15, 2002 2.2112500% $721,727.43
Total Class B $3,401,378.63
Class C
Class C(2001-1) 55264TAB7
October 15, 2002 2.8731300% $578,616.46
Class C(2001-2) 55264TAD3
October 15, 2002 2.9731300% $239,502.14
Class C(2001-3) 55264TAF8
October 15, 2002 6.5500000% $2,183,333.33
Class C(2001-4) 55264TAK7
October 15, 2002 2.8731300% $578,616.46
Class C(2001-5) 55264TAN1
October 15, 2002 3.0431300% $367,711.54
Class C(2002-1) 55264TAS0
October 15, 2002 6.8000000% $1,416,666.67
Class C(2002-2) 55264TAW1
October 15, 2002 2.7731300% $223,391.03
Class C(2002-3) 55264TAY7
October 15, 2002 3.1731300% $511,226.50
Class C(2002-4) 55264TBD2
October 15, 2002 3.0112500% $393,135.42
Class C(2002-5) 55264TBE0
October 15, 2002 4.0500000% $517,500.00
Total Class C $7,009,699.55
For Interest Payment information on the
Emerald Note program, refer to Exhibit B to the Class A(2001-Emerald)
Terms Document.
C. Targeted deposits to Class C Reserve sub-
Accounts:
Targeted Deposit to Actual Deposit to
Class C Reserve Class C Reserve
Class C Reserve Class C Reserve
sub-Account Balance on sub-Account
sub-Account for sub-Account for
Transfer Date prior to Earnings
applicable Monthly applicable
withdrawals
Period Monthly Period
NOTHING TO REPORT
D. Withdrawals to be made from the C Reserve
sub-Accounts on the corresponding Transfer Date:
Withdrawals for Withdrawals for
Class C Reserve
InterestPrincipal
sub-Account Balance on
Transfer Date after
withdrawals
NOTHING TO REPORT
E. Targeted deposits to Principal Funding sub-Accounts:
Targeted Deposit to Actual Deposit to
Shortfall from Principal Funding Principal Funding
Principal Funding Principal Funding
earlier Monthly sub-Account sub-Account
sub-Account for sub-Account for
Periods Balance on Earnings
applicable Monthly applicable Monthly
Transfer Date
Period Period
NOTHING TO REPORT
F. Principal to be paid on the corresponding
Principal Payment Date:
CUSIP Number Principal
Amount of principal
Payment Date
to be paid on
corresponding
Principal Payment
Date
NOTHING TO REPORT
G. Stated Principal Amount, Outstanding Dollar
Principal Amount and Nominal Liquidation Amount for the related Monthly
Period (as of
the end of the prior Monthly Period):
Initial Dollar Outstanding Principal
Adjusted Outstanding Nominal Liquidation
Principal Amount
Principal Amount
Amount
Amount
Class A
Class A(2001-1) $1,000,000,000.00
$1,000,000,000.00 $1,000,000,000.00 $1,000,000,000.00
Class A(2001-2) $500,000,000.00
$500,000,000.00 $500,000,000.00 $500,000,000.00
Class A(2001-3) $1,000,000,000.00
$1,000,000,000.00 $1,000,000,000.00 $1,000,000,000.00
Class A(2001-Emerald) $4,000,000,000.00
$4,000,000,000.00 $4,000,000,000.00 $4,000,000,000.00
Class A(2001-4) $1,000,000,000.00
$1,000,000,000.00 $1,000,000,000.00 $1,000,000,000.00
Class A(2001-5) $500,000,000.00
$500,000,000.00 $500,000,000.00 $500,000,000.00
Class A(2002-1) $1,000,000,000.00
$1,000,000,000.00 $1,000,000,000.00 $1,000,000,000.00
Class A(2002-2) $656,175,000.00
$656,175,000.00 $656,175,000.00 $656,175,000.00
Class A(2002-3) $750,000,000.00
$750,000,000.00 $750,000,000.00 $750,000,000.00
Class A(2002-4) $1,000,000,000.00
$1,000,000,000.00 $1,000,000,000.00 $1,000,000,000.00
Class A(2002-5) $750,000,000.00
$750,000,000.00 $750,000,000.00 $750,000,000.00
Class A(2002-6) $750,000,000.00
$750,000,000.00 $750,000,000.00 $750,000,000.00
Class A(2002-7) $497,250,000.00
$497,250,000.00 $497,250,000.00 $497,250,000.00
Class A(2002-8) $400,000,000.00
$400,000,000.00 $400,000,000.00 $400,000,000.00
Class A(2002-9) $700,000,000.00
$700,000,000.00 $700,000,000.00 $700,000,000.00
Class A(2002-10) $1,000,000,000.00
$1,000,000,000.00 $1,000,000,000.00 $1,000,000,000.00
Total Class A: $15,503,425,000.00
$15,503,425,000.00 $15,503,425,000.00 $15,503,425,000.00
Class B
Class B(2001-1) $250,000,000.00
$250,000,000.00 $250,000,000.00 $250,000,000.00
Class B(2001-2) $250,000,000.00
$250,000,000.00 $250,000,000.00 $250,000,000.00
Class B(2001-3) $150,000,000.00
$150,000,000.00 $150,000,000.00 $150,000,000.00
Class B(2002-1) $250,000,000.00
$250,000,000.00 $250,000,000.00 $250,000,000.00
Class B(2002-2) $250,000,000.00
$250,000,000.00 $250,000,000.00 $250,000,000.00
Class B(2002-3) $250,000,000.00
$250,000,000.00 $250,000,000.00 $250,000,000.00
Total Class B: $1,400,000,000.00
$1,400,000,000.00 $1,400,000,000.00 $1,400,000,000.00
Class C
Class C(2001-1) $250,000,000.00
$250,000,000.00 $250,000,000.00 $250,000,000.00
Class C(2001-2) $100,000,000.00
$100,000,000.00 $100,000,000.00 $100,000,000.00
Class C(2001-3) $400,000,000.00
$400,000,000.00 $400,000,000.00 $400,000,000.00
Class C(2001-4) $250,000,000.00
$250,000,000.00 $250,000,000.00 $250,000,000.00
Class C(2001-5) $150,000,000.00
$150,000,000.00 $150,000,000.00 $150,000,000.00
Class C(2002-1) $250,000,000.00
$250,000,000.00 $250,000,000.00 $250,000,000.00
Class C(2002-2) $100,000,000.00
$100,000,000.00 $100,000,000.00 $100,000,000.00
Class C(2002-3) $200,000,000.00
$200,000,000.00 $200,000,000.00 $200,000,000.00
Class C(2002-4) $100,000,000.00
$100,000,000.00 $100,000,000.00 $100,000,000.00
Class C(2002-5) $100,000,000.00
$100,000,000.00 $100,000,000.00 $100,000,000.00
Total Class C: $1,900,000,000.00
$1,900,000,000.00 $1,900,000,000.00 $1,900,000,000.00
Total: $18,803,425,000.00
$18,803,425,000.00 $18,803,425,000.00 $18,803,425,000.00
H. Class A Usage of Class B and Class C
Subordinated Amounts:
Class A Usage of Class Class A Usage of Class
C Cumulative Class A Cumulative Class A
B Subordinated Amount Subordinated Amount for
Usage of Class B Usage of Class C
for this Monthly Period this Monthly Period
Subordinated Amount Subordinated Amount
NOTHING TO REPORT
I. Class B Usage of Class C Subordinated
Amounts:
Class B Usage of Class C
Cumulative Class B Usage
Subordinated Amount for of Class C Subordinated
this Monthly Period Amount
NOTHING TO REPORT
J. Nominal Liquidation Amount for Tranches of
Notes Outstanding during related Monthly Period:
Beginning Nominal Increases from
Increases from Reimbursements Reductions due to
Reductions due to Reductions due to Ending Nominal
Liquidation Amount accretions on
amounts withdrawn from Available reallocations of
Investor amounts on deposit Liquidation
Principal for from the Principal
Funds Available Principal Charge-Offs
in the Principal Amount
Discount Notes Funding sub-Account
Amounts Funding
in respect of sub-Account
Prefunding Excess
Amount
Class A
Class A(2001-1) $1,000,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$1,000,000,000.00
Class A(2001-2) $500,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$500,000,000.00
Class A(2001-3) $1,000,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$1,000,000,000.00
Class A(2001-Emerald) $4,000,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$4,000,000,000.00
Class A(2001-4) $1,000,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$1,000,000,000.00
Class A(2001-5) $500,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$500,000,000.00
Class A(2002-1) $1,000,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$1,000,000,000.00
Class A(2002-2) $656,175,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$656,175,000.00
Class A(2002-3) $750,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$750,000,000.00
Class A(2002-4) $1,000,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$1,000,000,000.00
Class A(2002-5) $750,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$750,000,000.00
Class A(2002-6) $750,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$750,000,000.00
Class A(2002-7) $497,250,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$497,250,000.00
Class A(2002-8) $400,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$400,000,000.00
Class A(2002-9) $700,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$700,000,000.00
Class A(2002-10) $1,000,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$1,000,000,000.00
$15,503,425,000.00 $0.00
$0.00 $0.00 $0.00
$0.00 $0.00 $15,503,425,000.00
Class B
Class B(2001-1) $250,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$250,000,000.00
Class B(2001-2) $250,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$250,000,000.00
Class B(2001-3) $150,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$150,000,000.00
Class B(2002-1) $250,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$250,000,000.00
Class B(2002-2) $250,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$250,000,000.00
Class B(2002-3) $250,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$250,000,000.00
$1,400,000,000.00 $0.00
$0.00 $0.00 $0.00
$0.00 $0.00 $1,400,000,000.00
Class C
Class C(2001-1) $250,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$250,000,000.00
Class C(2001-2) $100,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$100,000,000.00
Class C(2001-3) $400,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$400,000,000.00
Class C(2001-4) $250,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$250,000,000.00
Class C(2001-5) $150,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$150,000,000.00
Class C(2002-1) $250,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$250,000,000.00
Class C(2002-2) $100,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$100,000,000.00
Class C(2002-3) $200,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$200,000,000.00
Class C(2002-4) $100,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$100,000,000.00
Class C(2002-5) $100,000,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$100,000,000.00
$1,900,000,000.00 $0.00
$0.00 $0.00 $0.00
$0.00 $0.00 $1,900,000,000.00
Total: $18,803,425,000.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$18,803,425,000.00
The Beginning Nominal Liquidation Amount for
Class A(2001-Emerald) is reported as of the end of the Monthly Period.
K. Excess Available Funds and 3 Month Excess
Available Funds:
Excess Available Funds 117,259,366.74
Is 3 Month Excess Available Funds less than 0
? (Yes/No) NO
IN WITNESS WHEREOF, the undersigned has duly
executed and delivered this Monthly No
MBNA AMERICA BANK,
NATIONAL ASSOCIATION,
as Beneficiary of the MBNA Credit Card
Master Note Trust
and
as Servicer of the MBNA Master Credit
Card Trust II
Name: Christopher Harris
Title: First Vice President
MBNAseries C-8