SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

                        MBNAseries
                         MBNA CREDIT CARD MASTER NOTE TRUST


                        MONTHLY PERIOD ENDING July 31, 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 August 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)         $584,212.22             $584,212.22             $0.00                   $584,212.22             $0.00
                        Class A(2001-3)         $1,046,792.50           $1,046,792.50           $0.00                   $1,046,792.50           $0.00
                        Class A(2001-Emerald)   $4,936,760.39           $4,936,760.39           $0.00                   $124,381,690.71         $75,166.10
                        Class A(2001-4)         $1,065,091.11           $1,065,091.11           $0.00                   $1,065,091.11           $0.00
                        Class A(2001-5)         $566,990.00             $566,990.00             $0.00                   $566,990.00             $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)         $951,863.86             $951,863.86             $0.00                   $2,653,681.06           $1,437.15
                        Class A(2002-3)         $869,860.00             $869,860.00             $0.00                   $869,860.00             $0.00
                        Class A(2002-4)         $1,047,868.89           $1,047,868.89           $0.00                   $1,047,868.89           $0.00
                        Class A(2002-5)         $831,110.00             $831,110.00             $0.00                   $831,110.00             $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)         $588,271.61             $588,271.61             $0.00                   $588,271.61             $0.00
                        Class A(2002-8)         $432,494.78             $432,494.78             $0.00                   $432,494.78             $0.00
                        Class A(2002-9)         $720,699.19             $720,699.19             $0.00                   $720,699.19             $0.00
                        Class A(2002-10)        $1,073,702.22           $1,073,702.22           $0.00                   $1,073,702.22           $0.00
                        Class A(2002-11)        $635,786.94             $635,786.94             $0.00                   $635,786.94             $0.00
                        Class A(2002-12)        $1,507,220.00           $1,507,220.00           $0.00                   $1,507,220.00           $0.00
                        Class A(2002-13)        $532,545.56             $532,545.56             $0.00                   $532,545.56             $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)         $996,202.22             $996,202.22             $0.00                   $996,202.22             $0.00
                        Class A(2003-3)         $792,360.00             $792,360.00             $0.00                   $792,360.00             $0.00
                        Class A(2003-4)         $856,943.33             $856,943.33             $0.00                   $856,943.33             $0.00
                        Class A(2003-5)         $704,277.11             $704,277.11             $0.00                   $704,277.11             $0.00
                        Class A(2003-6)         $1,145,833.33           $1,145,833.33           $0.00                   $1,145,833.33           $0.00
                        Class A(2003-7)         $1,770,347.22           $1,770,347.22           $0.00                   $1,770,347.22           $0.00
                        Class A Total:          $36,386,399.15          $36,386,399.15          $0.00                   $157,533,146.67         $76,603.25
                        Class B:
                        Class B(2001-1)         $319,015.83             $319,015.83             $0.00                   $319,015.83             $0.00
                        Class B(2001-2)         $315,786.67             $315,786.67             $0.00                   $315,786.67             $0.00
                        Class B(2001-3)         $207,555.33             $207,555.33             $0.00                   $207,555.33             $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)         $320,092.22             $320,092.22             $0.00                   $320,092.22             $0.00
                        Class B(2002-3)         $324,397.78             $324,397.78             $0.00                   $324,397.78             $0.00
                        Class B(2002-4)         $276,740.44             $276,740.44             $0.00                   $276,740.44             $0.00
                        Class B(2003-1)         $266,407.11             $266,407.11             $0.00                   $266,407.11             $0.00
                        Class B(2003-2)         $257,796.00             $257,796.00             $0.00                   $257,796.00             $0.00
                        Class B Total:          $3,360,708.05           $3,360,708.05           $0.00                   $3,360,708.05           $0.00
                        Class C:
                        Class C(2001-1)         $464,328.33             $464,328.33             $0.00                   $464,328.33             $0.00
                        Class C(2001-2)         $194,342.44             $194,342.44             $0.00                   $194,342.44             $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)         $464,328.33             $464,328.33             $0.00                   $464,328.33             $0.00
                        Class C(2001-5)         $300,555.33             $300,555.33             $0.00                   $300,555.33             $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)         $177,120.22             $177,120.22             $0.00                   $177,120.22             $0.00
                        Class C(2002-3)         $423,129.33             $423,129.33             $0.00                   $423,129.33             $0.00
                        Class C(2002-4)         $198,648.00             $198,648.00             $0.00                   $198,648.00             $0.00
                        Class C(2002-5)         $337,500.00             $337,500.00             $0.00                   $337,500.00             $0.00
                        Class C(2002-6)         $133,768.44             $133,768.44             $0.00                   $133,768.44             $0.00
                        Class C(2002-7)         $279,166.67             $279,166.67             $0.00                   $279,166.67             $0.00
                        Class C(2003-1)         $483,407.11             $483,407.11             $0.00                   $483,407.11             $0.00
                        Class C(2003-2)         $233,092.44             $233,092.44             $0.00                   $233,092.44             $0.00
                        Class C(2003-3)         $370,238.17             $370,238.17             $0.00                   $370,238.17             $0.00
                        Class C(2003-4)         $1,319,747.43           $1,319,747.43           $0.00                   $1,642,950.88           $272.57
                        Class C(2003-5)         $281,111.11             $281,111.11             $0.00                   $281,111.11             $0.00
                        Class C(2003-6)         $31,666.67              $31,666.67              $0.00                   $31,666.67              $0.00
                        Class C Total:          $9,292,150.02           $9,292,150.02           $0.00                   $9,615,353.47           $272.57
                        Total:                  $49,039,257.22          $49,039,257.22          $0.00                   $170,509,208.19         $76,875.82

                        *  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:*


                                                CUSIP                   Interest Payment Date   Interest Rate           Amount of interest to be
                                                Number                                                                  paid on corresponding
                                                                                                                        Interest Payment Date

                        Class A
                        Class A(2001-1)         55264TAC5               August 15, 2003         5.7500000%              $4,791,666.67
                        Class A(2001-2)         55264TAE1               August 15, 2003         1.3568800%              $584,212.22
                        Class A(2001-4)         55264TAL5               August 15, 2003         1.2368800%              $1,065,091.11
                        Class A(2001-5)         55264TAM3               August 15, 2003         1.3168800%              $566,990.00
                        Class A(2002-1)         55264TAQ4               August 15, 2003         4.9500000%              $4,125,000.00
                        Class A(2002-2)         014467025               August 15, 2003         1.5825000%              $2,653,681.06
                        Class A(2002-3)         55264TAT8               August 15, 2003         1.3468800%              $869,860.00
                        Class A(2002-4)         55264TAU5               August 15, 2003         1.2168800%              $1,047,868.89
                        Class A(2002-5)         55264TAV3               August 15, 2003         1.2868800%              $831,110.00
                        Class A(2002-6)         55264TAZ4               August 15, 2003         3.9000000%              $2,437,500.00
                        Class A(2002-10)        55264TBF7               August 15, 2003         1.2468800%              $1,073,702.22
                        Class A(2002-12)        55264TBK6               August 15, 2003         1.1668800%              $1,507,220.00
                        Class A(2002-13)        55264TBL4               August 15, 2003         1.2368800%              $532,545.56
                        Class A(2003-1)         55264TBQ3               August 15, 2003         3.3000000%              $1,375,000.00
                        Class A(2003-2)         55264TBR1               August 15, 2003         1.1568800%              $996,202.22
                        Class A(2003-3)         55264TBS9               August 15, 2003         1.2268800%              $792,360.00
                        Class A(2003-4)         55264TBT7               August 15, 2003         1.3268800%              $856,943.33
                        Class A(2003-6)         55264TBV2               August 15, 2003         2.7500000%              $1,145,833.33
                        Class A(2003-7)         55264TBY6               August 15, 2003         2.6500000%              $1,770,347.22
                                                                                                    Total Class A       $29,023,133.83
                        Class B
                        Class B(2001-1)         55264TAA9               August 15, 2003         1.4818800%              $319,015.83
                        Class B(2001-2)         55264TAJ0               August 15, 2003         1.4668800%              $315,786.67
                        Class B(2001-3)         55264TAP6               August 15, 2003         1.6068800%              $207,555.33
                        Class B(2002-1)         55264TAR2               August 15, 2003         5.1500000%              $1,072,916.67
                        Class B(2002-2)         55264TAX9               August 15, 2003         1.4868800%              $320,092.22
                        Class B(2002-3)         55264TBC4               August 15, 2003         1.5068800%              $324,397.78
                        Class B(2002-4)         55264TBG5               August 15, 2003         1.6068800%              $276,740.44
                        Class B(2003-1)         55264TBP5               August 15, 2003         1.5468800%              $266,407.11
                        Class B(2003-2)         55264TBW0               August 15, 2003         1.4968800%              $257,796.00
                                                                                                    Total Class B       $3,360,708.05
                        Class C
                        Class C(2001-1)         55264TAB7               August 15, 2003         2.1568800%              $464,328.33
                        Class C(2001-2)         55264TAD3               August 15, 2003         2.2568800%              $194,342.44
                        Class C(2001-3)         55264TAF8               August 15, 2003         6.5500000%              $2,183,333.33
                        Class C(2001-4)         55264TAK7               August 15, 2003         2.1568800%              $464,328.33
                        Class C(2001-5)         55264TAN1               August 15, 2003         2.3268800%              $300,555.33
                        Class C(2002-1)         55264TAS0               August 15, 2003         6.8000000%              $1,416,666.67
                        Class C(2002-2)         55264TAW1               August 15, 2003         2.0568800%              $177,120.22
                        Class C(2002-3)         55264TAY7               August 15, 2003         2.4568800%              $423,129.33
                        Class C(2002-4)         55264TBD2               August 15, 2003         2.3068800%              $198,648.00
                        Class C(2002-5)         55264TBE0               August 15, 2003         4.0500000%              $337,500.00
                        Class C(2002-6)         55264TBH3               August 15, 2003         3.1068800%              $133,768.44
                        Class C(2002-7)         55264TBJ9               August 15, 2003         6.7000000%              $279,166.67
                        Class C(2003-1)         55264TBM2               August 15, 2003         2.8068800%              $483,407.11
                        Class C(2003-2)         55264TBN0               August 15, 2003         2.7068800%              $233,092.44
                        Class C(2003-3)         55264TBU4               August 15, 2003         2.4568800%              $370,238.17
                        Class C(2003-4)         016994588               August 15, 2003         2.9601000%              $1,642,950.88
                        Class C(2003-5)         55264TBX8               August 15, 2003         2.3000000%              $281,111.11
                                                                                                    Total Class C       $9,583,686.80


                        *  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)   $4,500,000,000.00       $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
                        Class A(2003-7)         $650,000,000.00         $650,000,000.00         $650,000,000.00         $650,000,000.00
                        Total Class A:          $23,192,225,000.00      $23,192,225,000.00      $23,192,225,000.00      $23,192,225,000.00
                        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
                        Class C(2003-5)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
                        Class C(2003-6)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
                        Total Class C:          $3,152,560,000.00       $3,152,560,000.00       $3,152,560,000.00       $3,152,560,000.00
                        Total:                  $28,344,785,000.00      $28,344,785,000.00      $28,344,785,000.00      $28,344,785,000.00


                        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
                        Class A(2003-7)         $650,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $650,000,000.00
                                                $23,192,225,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $23,192,225,000.00
                        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
                        Class C(2003-5)         $100,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $100,000,000.00
                        Class C(2003-6)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
                                                $3,152,560,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $3,152,560,000.00
                         Total:                 $28,344,785,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $28,344,785,000.00

                        *  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                                      192,282,465.50

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




                           IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Monthly Noteholders'
                        Statement this 8th day of August 2003.

                                                        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




                                                        /s/ Marcie E. Copson-Hall
                                                        Name: Marcie E. Copson-Hall
                                                        Title: Executive Vice President




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