SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT
MBNAseries
MBNA CREDIT CARD MASTER NOTE TRUST
MONTHLY PERIOD ENDING October 31, 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 November 14, 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) $882,638.89 $882,638.89 $0.00 $882,638.89 $0.00
Class A(2001-3) $1,613,506.94 $1,613,506.94 $0.00 $1,613,506.94 $0.00
Class A(2001-Emerald) $6,532,160.65 $6,532,160.65 $0.00 $108,033,751.86 $132,437.64
Class A(2001-4) $1,661,944.44 $1,661,944.44 $0.00 $1,661,944.44 $0.00
Class A(2001-5) $865,416.67 $865,416.67 $0.00 $865,416.67 $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) $1,233,062.19 $1,233,062.19 $0.00 $3,437,627.92 $3,586.77
Class A(2002-3) $1,317,500.00 $1,317,500.00 $0.00 $1,317,500.00 $0.00
Class A(2002-4) $1,644,722.22 $1,644,722.22 $0.00 $1,644,722.22 $0.00
Class A(2002-5) $1,278,750.00 $1,278,750.00 $0.00 $1,278,750.00 $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) $908,479.89 $908,479.89 $0.00 $908,479.89 $0.00
Class A(2002-8) $659,180.56 $659,180.56 $0.00 $659,180.56 $0.00
Class A(2002-9) $1,117,399.31 $1,117,399.31 $0.00 $1,117,399.31 $0.00
Class A(2002-10) $2,460,862.50 $2,460,862.50 $0.00 $3,117,092.50 $1,067.26
Class A(2002-11) $57,112.38 $57,112.38 $0.00 $57,112.38 $0.00
Class A Total: $33,586,903.31 $33,586,903.31 $0.00 $137,949,290.25 $137,091.67
Class B:
Class B(2001-1) $468,229.17 $468,229.17 $0.00 $468,229.17 $0.00
Class B(2001-2) $465,000.00 $465,000.00 $0.00 $465,000.00 $0.00
Class B(2001-3) $297,083.33 $297,083.33 $0.00 $297,083.33 $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) $469,305.56 $469,305.56 $0.00 $469,305.56 $0.00
Class B(2002-3) $473,611.11 $473,611.11 $0.00 $473,611.11 $0.00
Class B(2002-4) $38,666.67 $38,666.67 $0.00 $38,666.67 $0.00
Class B Total: $3,284,812.51 $3,284,812.51 $0.00 $3,284,812.51 $0.00
Class C:
Class C(2001-1) $613,541.67 $613,541.67 $0.00 $613,541.67 $0.00
Class C(2001-2) $254,027.78 $254,027.78 $0.00 $254,027.78 $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) $613,541.67 $613,541.67 $0.00 $613,541.67 $0.00
Class C(2001-5) $390,083.33 $390,083.33 $0.00 $390,083.33 $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) $236,805.56 $236,805.56 $0.00 $236,805.56 $0.00
Class C(2002-3) $542,500.00 $542,500.00 $0.00 $542,500.00 $0.00
Class C(2002-4) $258,333.33 $258,333.33 $0.00 $258,333.33 $0.00
Class C(2002-5) $337,500.00 $337,500.00 $0.00 $337,500.00 $0.00
Class C(2002-6) $15,916.67 $15,916.67 $0.00 $15,916.67 $0.00
Class C(2002-7) $18,611.11 $18,611.11 $0.00 $18,611.11 $0.00
Class C Total: $6,880,861.12 $6,880,861.12 $0.00 $6,880,861.12 $0.00
Total: $43,752,576.94 $43,752,576.94 $0.00 $148,114,963.88 $137,091.67
* 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 November 15, 2002 5.7500000% $4,791,666.67
Class A(2001-2) 55264TAE1 November 15, 2002 2.0500000% $882,638.89
Class A(2001-4) 55264TAL5 November 15, 2002 1.9300000% $1,661,944.44
Class A(2001-5) 55264TAM3 November 15, 2002 2.0100000% $865,416.67
Class A(2002-1) 55264TAQ4 November 15, 2002 4.9500000% $4,125,000.00
Class A(2002-2) 014467025 November 15, 2002 2.0500000% $3,437,627.92
Class A(2002-3) 55264TAT8 November 15, 2002 2.0400000% $1,317,500.00
Class A(2002-4) 55264TAU5 November 15, 2002 1.9100000% $1,644,722.22
Class A(2002-5) 55264TAV3 November 15, 2002 1.9800000% $1,278,750.00
Class A(2002-6) 55264TAZ4 November 15, 2002 3.9000000% $2,437,500.00
Class A(2002-10) 55264TBF7 November 15, 2002 1.9687000% $3,117,092.50
Total Class A $25,559,859.31
Class B
Class B(2001-1) 55264TAA9 November 15, 2002 2.1750000% $468,229.17
Class B(2001-2) 55264TAJ0 November 15, 2002 2.1600000% $465,000.00
Class B(2001-3) 55264TAP6 November 15, 2002 2.3000000% $297,083.33
Class B(2002-1) 55264TAR2 November 15, 2002 5.1500000% $1,072,916.67
Class B(2002-2) 55264TAX9 November 15, 2002 2.1800000% $469,305.56
Class B(2002-3) 55264TBC4 November 15, 2002 2.2000000% $473,611.11
Total Class B $3,246,145.84
Class C
Class C(2001-1) 55264TAB7 November 15, 2002 2.8500000% $613,541.67
Class C(2001-2) 55264TAD3 November 15, 2002 2.9500000% $254,027.78
Class C(2001-3) 55264TAF8 November 15, 2002 6.5500000% $2,183,333.33
Class C(2001-4) 55264TAK7 November 15, 2002 2.8500000% $613,541.67
Class C(2001-5) 55264TAN1 November 15, 2002 3.0200000% $390,083.33
Class C(2002-1) 55264TAS0 November 15, 2002 6.8000000% $1,416,666.67
Class C(2002-2) 55264TAW1 November 15, 2002 2.7500000% $236,805.56
Class C(2002-3) 55264TAY7 November 15, 2002 3.1500000% $542,500.00
Class C(2002-4) 55264TBD2 November 15, 2002 3.0000000% $258,333.33
Class C(2002-5) 55264TBE0 November 15, 2002 4.0500000% $337,500.00
Total Class C $6,846,333.34
* 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
Interest Principal 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
Class A(2002-11) $490,600,000.00 $490,600,000.00 $490,600,000.00 $490,600,000.00
Total Class A: $15,994,025,000.00 $15,994,025,000.00 $15,994,025,000.00 $15,994,025,000.00
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
Class B(2002-4) $200,000,000.00 $200,000,000.00 $200,000,000.00 $200,000,000.00
Total Class B: $1,600,000,000.00 $1,600,000,000.00 $1,600,000,000.00 $1,600,000,000.00
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
Class C(2002-6) $50,000,000.00 $50,000,000.00 $50,000,000.00 $50,000,000.00
Class C(2002-7) $50,000,000.00 $50,000,000.00 $50,000,000.00 $50,000,000.00
Total Class C: $2,000,000,000.00 $2,000,000,000.00 $2,000,000,000.00 $2,000,000,000.00
Total: $19,594,025,000.00 $19,594,025,000.00 $19,594,025,000.00 $19,594,025,000.00
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
Class A(2002-11) $490,600,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $490,600,000.00
$15,994,025,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $15,994,025,000.00
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
Class B(2002-4) $200,000,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $200,000,000.00
$1,600,000,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1,600,000,000.00
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
Class C(2002-6) $50,000,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $50,000,000.00
Class C(2002-7) $50,000,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $50,000,000.00
$2,000,000,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $2,000,000,000.00
Total: $19,594,025,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $19,594,025,000.00
* 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 131,088,658.98
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
C-1 MBNAseries