EXHIBIT C
SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT
MBNAseries
MBNA CREDIT CARD MASTER NOTE TRUST
MONTHLY PERIOD ENDING November 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 December 13, 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) $702,343.75 $702,343.75 $0.00 $702,343.75 $0.00
Class A(2001-3) $1,613,506.94 $1,613,506.94 $0.00 $3,227,013.88 $1,652.23
Class A(2001-Emerald) $5,989,146.12 $5,989,146.12 $0.00 $107,155,284.68 $109,673.77
Class A(2001-4) $1,301,354.17 $1,301,354.17 $0.00 $1,301,354.17 $0.00
Class A(2001-5) $685,121.53 $685,121.53 $0.00 $685,121.53 $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) $905,366.39 $905,366.39 $0.00 $905,366.39 $0.00
Class A(2002-3) $1,047,057.29 $1,047,057.29 $0.00 $1,047,057.29 $0.00
Class A(2002-4) $1,284,131.94 $1,284,131.94 $0.00 $1,284,131.94 $0.00
Class A(2002-5) $1,008,307.29 $1,008,307.29 $0.00 $1,008,307.29 $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) $798,361.12 $798,361.12 $0.00 $1,706,841.01 $929.96
Class A(2002-8) $659,180.56 $659,180.56 $0.00 $1,318,361.12 $674.19
Class A(2002-9) $1,117,399.31 $1,117,399.31 $0.00 $2,234,798.62 $1,143.78
Class A(2002-10) $1,309,965.28 $1,309,965.28 $0.00 $1,309,965.28 $0.00
Class A(2002-11) $1,342,140.96 $1,342,140.96 $0.00 $1,399,253.34 $58.31
Class A(2002-12) $725,000.00 $725,000.00 $0.00 $725,000.00 $0.00
Class A Total: $31,842,549.32 $31,842,549.32 $0.00 $137,364,366.96 $114,132.24
Class B:
Class B(2001-1) $378,081.60 $378,081.60 $0.00 $378,081.60 $0.00
Class B(2001-2) $374,852.43 $374,852.43 $0.00 $374,852.43 $0.00
Class B(2001-3) $242,994.79 $242,994.79 $0.00 $242,994.79 $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) $379,157.99 $379,157.99 $0.00 $379,157.99 $0.00
Class B(2002-3) $383,463.54 $383,463.54 $0.00 $383,463.54 $0.00
Class B(2002-4) $504,437.50 $504,437.50 $0.00 $543,104.17 $38.88
Class B Total: $3,335,904.52 $3,335,904.52 $0.00 $3,374,571.19 $38.88
Class C:
Class C(2001-1) $523,394.10 $523,394.10 $0.00 $523,394.10 $0.00
Class C(2001-2) $217,968.75 $217,968.75 $0.00 $217,968.75 $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) $523,394.10 $523,394.10 $0.00 $523,394.10 $0.00
Class C(2001-5) $335,994.79 $335,994.79 $0.00 $335,994.79 $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) $200,746.53 $200,746.53 $0.00 $200,746.53 $0.00
Class C(2002-3) $470,381.94 $470,381.94 $0.00 $470,381.94 $0.00
Class C(2002-4) $222,274.31 $222,274.31 $0.00 $222,274.31 $0.00
Class C(2002-5) $337,500.00 $337,500.00 $0.00 $337,500.00 $0.00
Class C(2002-6) $219,859.38 $219,859.38 $0.00 $235,776.05 $15.35
Class C(2002-7) $409,444.44 $409,444.44 $0.00 $428,055.55 $18.41
Class C Total: $7,060,958.34 $7,060,958.34 $0.00 $7,095,486.12 $33.76
Total: $42,239,412.18 $42,239,412.18 $0.00 $147,834,424.27 $114,204.88
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 December 16, 2002 5.7500000% $4,791,666.67
Class A(2001-2) 55264TAE1 December 16, 2002 1.6312500% $702,343.75
Class A(2001-4) 55264TAL5 December 16, 2002 1.5112500% $1,301,354.17
Class A(2001-5) 55264TAM3 December 16, 2002 1.5912500% $685,121.53
Class A(2002-1) 55264TAQ4 December 16, 2002 4.9500000% $4,125,000.00
Class A(2002-3) 55264TAT8 December 16, 2002 1.6212500% $1,047,057.29
Class A(2002-4) 55264TAU5 December 16, 2002 1.4912500% $1,284,131.94
Class A(2002-5) 55264TAV3 December 16, 2002 1.5612500% $1,008,307.29
Class A(2002-6) 55264TAZ4 December 16, 2002 3.9000000% $2,437,500.00
Class A(2002-10) 55264TBF7 December 16, 2002 1.5212500% $1,309,965.28
Total Class A $18,692,447.92
Class B
Class B(2001-1) 55264TAA9 December 16, 2002 1.7562500% $378,081.60
Class B(2001-2) 55264TAJ0 December 16, 2002 1.7412500% $374,852.43
Class B(2001-3) 55264TAP6 December 16, 2002 1.8812500% $242,994.79
Class B(2002-1) 55264TAR2 December 16, 2002 5.1500000% $1,072,916.67
Class B(2002-2) 55264TAX9 December 16, 2002 1.7612500% $379,157.99
Class B(2002-3) 55264TBC4 December 16, 2002 1.7812500% $383,463.54
Class B(2002-4) 55264TBG5 December 16, 2002 2.0366400% $543,104.17
Total Class B $3,374,571.19
Class C
Class C(2001-1) 55264TAB7 December 16, 2002 2.4312500% $523,394.10
Class C(2001-2) 55264TAD3 December 16, 2002 2.5312500% $217,968.75
Class C(2001-3) 55264TAF8 December 16, 2002 6.5500000% $2,183,333.33
Class C(2001-4) 55264TAK7 December 16, 2002 2.4312500% $523,394.10
Class C(2001-5) 55264TAN1 December 16, 2002 2.6012500% $335,994.79
Class C(2002-1) 55264TAS0 December 16, 2002 6.8000000% $1,416,666.67
Class C(2002-2) 55264TAW1 December 16, 2002 2.3312500% $200,746.53
Class C(2002-3) 55264TAY7 December 16, 2002 2.7312500% $470,381.94
Class C(2002-4) 55264TBD2 December 16, 2002 2.5812500% $222,274.31
Class C(2002-5) 55264TBE0 December 16, 2002 4.0500000% $337,500.00
Class C(2002-6) 55264TBH3 December 16, 2002 3.5366400% $235,776.05
Class C(2002-7) 55264TBJ9 December 16, 2002 6.7000000% $428,055.55
Total Class C $7,095,486.12
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
withdraw
als
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) $4,500,000,000.00 $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
Class A(2002-12) $1,500,000,000.00 $1,500,000,000.00 $1,500,000,000.00 $1,500,000,000.00
Total Class A: $17,994,025,000.00 $17,494,025,000.00 $17,494,025,000.00 $17,494,025,000.00
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: $21,594,025,000.00 $21,094,025,000.00 $21,094,025,000.00 $21,094,025,000.00
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
Class A(2002-12) $1,500,000,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $1,500,000,000.00
$17,494,025,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $17,494,025,000.00
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: $21,094,025,000.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $21,094,025,000.00
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 135,256,453.84
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