EXHIBIT C
                         SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

                        MBNAseries
                         MBNA CREDIT CARD MASTER NOTE TRUST


                        MONTHLY PERIOD ENDING June 30, 2003

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 July 14, 2003 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)         $575,972.22             $575,972.22             $0.00                   $575,972.22             $0.00
                        Class A(2001-3)         $1,126,770.84           $1,126,770.84           $0.00                   $3,535,729.17           $2,221.47
                        Class A(2001-Emerald)   $5,003,510.29           $5,003,510.29           $0.00                   $124,436,918.64         $88,544.26
                        Class A(2001-4)         $1,055,277.78           $1,055,277.78           $0.00                   $1,055,277.78           $0.00
                        Class A(2001-5)         $559,861.11             $559,861.11             $0.00                   $559,861.11             $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)         $836,486.42             $836,486.42             $0.00                   $1,701,817.20           $797.92
                        Class A(2002-3)         $857,916.67             $857,916.67             $0.00                   $857,916.67             $0.00
                        Class A(2002-4)         $1,039,166.67           $1,039,166.67           $0.00                   $1,039,166.67           $0.00
                        Class A(2002-5)         $821,666.67             $821,666.67             $0.00                   $821,666.67             $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)         $605,089.71             $605,089.71             $0.00                   $1,898,729.79           $1,192.28
                        Class A(2002-8)         $463,597.22             $463,597.22             $0.00                   $1,454,736.11           $914.02
                        Class A(2002-9)         $777,461.81             $777,461.81             $0.00                   $2,439,621.53           $1,532.27
                        Class A(2002-10)        $1,063,333.33           $1,063,333.33           $0.00                   $1,063,333.33           $0.00
                        Class A(2002-11)        $645,667.08             $645,667.08             $0.00                   $2,026,058.76           $1,272.44
                        Class A(2002-12)        $1,498,333.33           $1,498,333.33           $0.00                   $1,498,333.33           $0.00
                        Class A(2002-13)        $527,638.89             $527,638.89             $0.00                   $527,638.89             $0.00
                        Class A(2003-1)         $1,375,000.00           $1,375,000.00           $0.00                   $1,375,000.00           $0.00
                        Class A(2003-2)         $990,833.33             $990,833.33             $0.00                   $990,833.33             $0.00
                        Class A(2003-3)         $785,416.67             $785,416.67             $0.00                   $785,416.67             $0.00
                        Class A(2003-4)         $845,833.33             $845,833.33             $0.00                   $845,833.33             $0.00
                        Class A(2003-5)         $1,117,563.26           $1,117,563.26           $0.00                   $1,384,806.65           $246.01
                        Class A(2003-6)         $1,565,972.22           $1,565,972.22           $0.00                   $1,565,972.22           $0.00
                        Class A Total:          $35,492,535.52          $35,492,535.52          $0.00                   $163,794,806.74         $96,720.67
                        Class B:
                        Class B(2001-1)         $313,159.72             $313,159.72             $0.00                   $313,159.72             $0.00
                        Class B(2001-2)         $310,138.89             $310,138.89             $0.00                   $310,138.89             $0.00
                        Class B(2001-3)         $203,000.00             $203,000.00             $0.00                   $203,000.00             $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)         $314,166.67             $314,166.67             $0.00                   $314,166.67             $0.00
                        Class B(2002-3)         $318,194.44             $318,194.44             $0.00                   $318,194.44             $0.00
                        Class B(2002-4)         $270,666.67             $270,666.67             $0.00                   $270,666.67             $0.00
                        Class B(2003-1)         $261,000.00             $261,000.00             $0.00                   $261,000.00             $0.00
                        Class B(2003-2)         $299,979.17             $299,979.17             $0.00                   $299,979.17             $0.00
                        Class B Total:          $3,363,222.23           $3,363,222.23           $0.00                   $3,363,222.23           $0.00
                        Class C:
                        Class C(2001-1)         $449,097.22             $449,097.22             $0.00                   $449,097.22             $0.00
                        Class C(2001-2)         $187,694.44             $187,694.44             $0.00                   $187,694.44             $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)         $449,097.22             $449,097.22             $0.00                   $449,097.22             $0.00
                        Class C(2001-5)         $290,000.00             $290,000.00             $0.00                   $290,000.00             $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)         $171,583.33             $171,583.33             $0.00                   $171,583.33             $0.00
                        Class C(2002-3)         $407,611.11             $407,611.11             $0.00                   $407,611.11             $0.00
                        Class C(2002-4)         $191,722.22             $191,722.22             $0.00                   $191,722.22             $0.00
                        Class C(2002-5)         $337,500.00             $337,500.00             $0.00                   $337,500.00             $0.00
                        Class C(2002-6)         $128,083.33             $128,083.33             $0.00                   $128,083.33             $0.00
                        Class C(2002-7)         $279,166.67             $279,166.67             $0.00                   $279,166.67             $0.00
                        Class C(2003-1)         $464,000.00             $464,000.00             $0.00                   $464,000.00             $0.00
                        Class C(2003-2)         $223,944.44             $223,944.44             $0.00                   $223,944.44             $0.00
                        Class C(2003-3)         $356,659.72             $356,659.72             $0.00                   $356,659.72             $0.00
                        Class C(2003-4)         $323,203.45             $323,203.45             $0.00                   $323,203.45             $0.00
                        Class C Total:          $7,859,363.15           $7,859,363.15           $0.00                   $7,859,363.15           $0.00
                        Total:                  $46,715,120.90          $46,715,120.90          $0.00                   $175,017,392.12         $96,720.67

* 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               July 15, 2003           5.7500000%              $4,791,666.67
                        Class A(2001-2)         55264TAE1               July 15, 2003           1.4300000%              $575,972.22
                        Class A(2001-3)         55264TAG6               July 15, 2003           1.3987500%              $3,535,729.17
                        Class A(2001-4)         55264TAL5               July 15, 2003           1.3100000%              $1,055,277.78
                        Class A(2001-5)         55264TAM3               July 15, 2003           1.3900000%              $559,861.11
                        Class A(2002-1)         55264TAQ4               July 15, 2003           4.9500000%              $4,125,000.00
                        Class A(2002-3)         55264TAT8               July 15, 2003           1.4200000%              $857,916.67
                        Class A(2002-4)         55264TAU5               July 15, 2003           1.2900000%              $1,039,166.67
                        Class A(2002-5)         55264TAV3               July 15, 2003           1.3600000%              $821,666.67
                        Class A(2002-6)         55264TAZ4               July 15, 2003           3.9000000%              $2,437,500.00
                        Class A(2002-7)         015111453               July 15, 2003           1.5106000%              $1,898,729.79
                        Class A(2002-8)         55264TBA8               July 15, 2003           1.4387500%              $1,454,736.11
                        Class A(2002-9)         55264TBB6               July 15, 2003           1.3787500%              $2,439,621.53
                        Class A(2002-10)        55264TBF7               July 15, 2003           1.3200000%              $1,063,333.33
                        Class A(2002-11)        015665394               July 15, 2003           1.6337500%              $2,026,058.76
                        Class A(2002-12)        55264TBK6               July 15, 2003           1.2400000%              $1,498,333.33
                        Class A(2002-13)        55264TBL4               July 15, 2003           1.3100000%              $527,638.89
                        Class A(2003-1)         55264TBQ3               July 15, 2003           3.3000000%              $1,375,000.00
                        Class A(2003-2)         55264TBR1               July 15, 2003           1.2300000%              $990,833.33
                        Class A(2003-3)         55264TBS9               July 15, 2003           1.3000000%              $785,416.67
                        Class A(2003-4)         55264TBT7               July 15, 2003           1.4000000%              $845,833.33
                        Class A(2003-5)         016803677               July 15, 2003           1.5954300%              $1,384,806.65
                        Class A(2003-6)         55264TBV2               July 15, 2003           2.7500000%              $1,565,972.22
                        Total Class A           $37,656,070.90
                        Class B
                        Class B(2001-1)         55264TAA9               July 15, 2003           1.5550000%              $313,159.72
                        Class B(2001-2)         55264TAJ0               July 15, 2003           1.5400000%              $310,138.89
                        Class B(2001-3)         55264TAP6               July 15, 2003           1.6800000%              $203,000.00
                        Class B(2002-1)         55264TAR2               July 15, 2003           5.1500000%              $1,072,916.67
                        Class B(2002-2)         55264TAX9               July 15, 2003           1.5600000%              $314,166.67
                        Class B(2002-3)         55264TBC4               July 15, 2003           1.5800000%              $318,194.44
                        Class B(2002-4)         55264TBG5               July 15, 2003           1.6800000%              $270,666.67
                        Class B(2003-1)         55264TBP5               July 15, 2003           1.6200000%              $261,000.00
                        Class B(2003-2)         55264TBW0               July 15, 2003           1.6362500%              $299,979.17
                        Total Class B           $3,363,222.23
                        Class C
                        Class C(2001-1)         55264TAB7               July 15, 2003           2.2300000%              $449,097.22
                        Class C(2001-2)         55264TAD3               July 15, 2003           2.3300000%              $187,694.44
                        Class C(2001-3)         55264TAF8               July 15, 2003           6.5500000%              $2,183,333.33
                        Class C(2001-4)         55264TAK7               July 15, 2003           2.2300000%              $449,097.22
                        Class C(2001-5)         55264TAN1               July 15, 2003           2.4000000%              $290,000.00
                        Class C(2002-1)         55264TAS0               July 15, 2003           6.8000000%              $1,416,666.67
                        Class C(2002-2)         55264TAW1               July 15, 2003           2.1300000%              $171,583.33
                        Class C(2002-3)         55264TAY7               July 15, 2003           2.5300000%              $407,611.11
                        Class C(2002-4)         55264TBD2               July 15, 2003           2.3800000%              $191,722.22
                        Class C(2002-5)         55264TBE0               July 15, 2003           4.0500000%              $337,500.00
                        Class C(2002-6)         55264TBH3               July 15, 2003           3.1800000%              $128,083.33
                        Class C(2002-7)         55264TBJ9               July 15, 2003           6.7000000%              $279,166.67
                        Class C(2003-1)         55264TBM2               July 15, 2003           2.8800000%              $464,000.00
                        Class C(2003-2)         55264TBN0               July 15, 2003           2.7800000%              $223,944.44
                        Class C(2003-3)         55264TBU4               July 15, 2003           2.5300000%              $356,659.72
                        Total Class C           $7,536,159.70


* 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             Adjusted Outstanding    Nominal Liquidation
                        Principal  Amount       Principal               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       $4,500,000,000.00       $4,500,000,000.00       $4,500,000,000.00
                        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
                        Class A(2002-13)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
                        Class A(2003-1)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
                        Class A(2003-2)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
                        Class A(2003-3)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
                        Class A(2003-4)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
                        Class A(2003-5)         $548,200,000.00         $548,200,000.00         $548,200,000.00         $548,200,000.00
                        Class A(2003-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
                        Total Class A:          $22,542,225,000.00      $22,542,225,000.00      $22,542,225,000.00      $22,542,225,000.00
                        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
                        Class B(2003-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
                        Class B(2003-2)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
                        Total Class B:          $2,000,000,000.00       $2,000,000,000.00       $2,000,000,000.00       $2,000,000,000.00
                        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
                        Class C(2003-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
                        Class C(2003-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
                        Class C(2003-3)         $175,000,000.00         $175,000,000.00         $175,000,000.00         $175,000,000.00
                        Class C(2003-4)         $327,560,000.00         $327,560,000.00         $327,560,000.00         $327,560,000.00
                        Total Class C:          $2,802,560,000.00       $2,802,560,000.00       $2,802,560,000.00       $2,802,560,000.00
                        Total:                  $27,344,785,000.00      $27,344,785,000.00      $27,344,785,000.00      $27,344,785,000.00


                        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)   $4,500,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $4,500,000,000.00
                        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
                        Class A(2002-13)        $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
                        Class A(2003-1)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
                        Class A(2003-2)         $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
                        Class A(2003-3)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
                        Class A(2003-4)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
                        Class A(2003-5)         $548,200,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $548,200,000.00
                        Class A(2003-6)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
                        $22,542,225,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $22,542,225,000.00
                        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
                        Class B(2003-1)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
                        Class B(2003-2)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
                        $2,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $2,000,000,000.00
                        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
                        Class C(2003-1)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
                        Class C(2003-2)         $100,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $100,000,000.00
                        Class C(2003-3)         $175,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $175,000,000.00
                        Class C(2003-4)         $327,560,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $327,560,000.00
                        $2,802,560,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $2,802,560,000.00
                         Total:                 $27,344,785,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $27,344,785,000.00

* 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  177,911,081.47

                        Is 3 Month Excess Available Funds less than 0 ? (Yes/No)                        NO




                           IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Monthly Noteh

                        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