EXHIBIT C
        SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

        MBNAseries
         MBNA CREDIT CARD MASTER NOTE TRUST


        MONTHLY PERIOD ENDING August 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 September 12, 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)           $585,555.56     $585,555.56   $0.00     $585,555.56      $0.00
        Class A(2001-3)         $1,046,792.50   $1,046,792.50   $0.00   $2,093,585.00    $851.85
        Class A(2001-Emerald)   $4,676,250.50   $4,676,250.50   $0.00 $126,148,746.91 $74,091.50
        Class A(2001-4)         $1,067,777.78   $1,067,777.78   $0.00   $1,067,777.78      $0.00
        Class A(2001-5)           $568,333.33     $568,333.33   $0.00     $568,333.33      $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)           $751,912.76     $751,912.76   $0.00     $751,912.76      $0.00
        Class A(2002-3)           $871,875.00     $871,875.00   $0.00     $871,875.00      $0.00
        Class A(2002-4)         $1,050,555.56   $1,050,555.56   $0.00   $1,050,555.56      $0.00
        Class A(2002-5)           $833,125.00     $833,125.00   $0.00     $833,125.00      $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)           $516,965.96     $516,965.96   $0.00   $1,105,237.57    $478.40
        Class A(2002-8)           $432,494.78     $432,494.78   $0.00     $864,989.56    $351.48
        Class A(2002-9)           $720,699.19     $720,699.19   $0.00   $1,441,398.38    $586.61
        Class A(2002-10)        $1,076,388.89   $1,076,388.89   $0.00   $1,076,388.89      $0.00
        Class A(2002-11)          $558,721.85     $558,721.85   $0.00   $1,194,508.79    $517.46
        Class A(2002-12)        $1,511,250.00   $1,511,250.00   $0.00   $1,511,250.00      $0.00
        Class A(2002-13)          $533,888.89     $533,888.89   $0.00     $533,888.89      $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)           $998,888.89     $998,888.89   $0.00     $998,888.89      $0.00
        Class A(2003-3)           $794,375.00     $794,375.00   $0.00     $794,375.00      $0.00
        Class A(2003-4)           $858,958.33     $858,958.33   $0.00     $858,958.33      $0.00
        Class A(2003-5)           $618,910.19     $618,910.19   $0.00   $1,323,187.30    $572.78
        Class A(2003-6)         $1,145,833.33   $1,145,833.33   $0.00   $1,145,833.33      $0.00
        Class A(2003-7)         $1,435,416.67   $1,435,416.67   $0.00   $1,435,416.67      $0.00
        Class A(2003-8)         $1,110,937.50   $1,110,937.50   $0.00   $1,110,937.50      $0.00
        Class A Total:         $36,495,074.13  $36,495,074.13   $0.00 $162,095,892.67 $77,450.08
        Class B:
        Class B(2001-1)           $319,687.50     $319,687.50   $0.00     $319,687.50      $0.00
        Class B(2001-2)           $316,458.33     $316,458.33   $0.00     $316,458.33      $0.00
        Class B(2001-3)           $207,958.33     $207,958.33   $0.00     $207,958.33      $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)           $320,763.89     $320,763.89   $0.00     $320,763.89      $0.00
        Class B(2002-3)           $325,069.44     $325,069.44   $0.00     $325,069.44      $0.00
        Class B(2002-4)           $277,277.78     $277,277.78   $0.00     $277,277.78      $0.00
        Class B(2003-1)           $266,944.44     $266,944.44   $0.00     $266,944.44      $0.00
        Class B(2003-2)           $258,333.33     $258,333.33   $0.00     $258,333.33      $0.00
        Class B(2003-3)            $99,000.00      $99,000.00   $0.00      $99,000.00      $0.00
        Class B Total:          $3,464,409.71   $3,464,409.71   $0.00   $3,464,409.71      $0.00
        Class C:
        Class C(2001-1)           $465,000.00     $465,000.00   $0.00     $465,000.00      $0.00
        Class C(2001-2)           $194,611.11     $194,611.11   $0.00     $194,611.11      $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)           $465,000.00     $465,000.00   $0.00     $465,000.00      $0.00
        Class C(2001-5)           $300,958.33     $300,958.33   $0.00     $300,958.33      $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)           $177,388.89     $177,388.89   $0.00     $177,388.89      $0.00
        Class C(2002-3)           $423,666.67     $423,666.67   $0.00     $423,666.67      $0.00
        Class C(2002-4)           $198,916.67     $198,916.67   $0.00     $198,916.67      $0.00
        Class C(2002-5)           $337,500.00     $337,500.00   $0.00     $337,500.00      $0.00
        Class C(2002-6)           $133,902.78     $133,902.78   $0.00     $133,902.78      $0.00
        Class C(2002-7)           $279,166.67     $279,166.67   $0.00     $279,166.67      $0.00
        Class C(2003-1)           $483,944.44     $483,944.44   $0.00     $483,944.44      $0.00
        Class C(2003-2)           $233,361.11     $233,361.11   $0.00     $233,361.11      $0.00
        Class C(2003-3)           $370,708.33     $370,708.33   $0.00     $370,708.33      $0.00
        Class C(2003-4)           $796,907.08     $796,907.08   $0.00     $796,907.08      $0.00
        Class C(2003-5)           $197,194.44     $197,194.44   $0.00     $197,194.44      $0.00
        Class C(2003-6)           $714,652.78     $714,652.78   $0.00     $746,319.45     $20.87
        Class C Total:          $9,372,879.30   $9,372,879.30   $0.00   $9,404,545.97     $20.87
        Total:                 $49,332,363.14  $49,332,363.14   $0.00 $174,964,848.35 $77,470.95

        *  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       September 15, 2003      5.7500000%       $4,791,666.67
        Class A(2001-2) 55264TAE1       September 15, 2003      1.3600000%         $585,555.56
        Class A(2001-4) 55264TAL5       September 15, 2003      1.2400000%       $1,067,777.78
        Class A(2001-5) 55264TAM3       September 15, 2003      1.3200000%         $568,333.33
        Class A(2002-1) 55264TAQ4       September 15, 2003      4.9500000%       $4,125,000.00
        Class A(2002-3) 55264TAT8       September 15, 2003      1.3500000%         $871,875.00
        Class A(2002-4) 55264TAU5       September 15, 2003      1.2200000%       $1,050,555.56
        Class A(2002-5) 55264TAV3       September 15, 2003      1.2900000%         $833,125.00
        Class A(2002-6) 55264TAZ4       September 15, 2003      3.9000000%       $2,437,500.00
        Class A(2002-10)55264TBF7       September 15, 2003      1.2500000%       $1,076,388.89
        Class A(2002-12)55264TBK6       September 15, 2003      1.1700000%       $1,511,250.00
        Class A(2002-13)55264TBL4       September 15, 2003      1.2400000%         $533,888.89
        Class A(2003-1) 55264TBQ3       September 15, 2003      3.3000000%       $1,375,000.00
        Class A(2003-2) 55264TBR1       September 15, 2003      1.1600000%         $998,888.89
        Class A(2003-3) 55264TBS9       September 15, 2003      1.2300000%         $794,375.00
        Class A(2003-4) 55264TBT7       September 15, 2003      1.3300000%         $858,958.33
        Class A(2003-6) 55264TBV2       September 15, 2003      2.7500000%       $1,145,833.33
        Class A(2003-7) 55264TBY6       September 15, 2003      2.6500000%       $1,435,416.67
        Class A(2003-8) 55264TCA7       September 15, 2003      1.3006100%       $1,110,937.50
        Total Class A                                                           $27,172,326.40
        Class B
        Class B(2001-1) 55264TAA9       September 15, 2003      1.4850000%         $319,687.50
        Class B(2001-2) 55264TAJ0       September 15, 2003      1.4700000%         $316,458.33
        Class B(2001-3) 55264TAP6       September 15, 2003      1.6100000%         $207,958.33
        Class B(2002-1) 55264TAR2       September 15, 2003      5.1500000%       $1,072,916.67
        Class B(2002-2) 55264TAX9       September 15, 2003      1.4900000%         $320,763.89
        Class B(2002-3) 55264TBC4       September 15, 2003      1.5100000%         $325,069.44
        Class B(2002-4) 55264TBG5       September 15, 2003      1.6100000%         $277,277.78
        Class B(2003-1) 55264TBP5       September 15, 2003      1.5500000%         $266,944.44
        Class B(2003-2) 55264TBW0       September 15, 2003      1.5000000%         $258,333.33
        Total Class B                                                            $3,365,409.71
        Class C
        Class C(2001-1) 55264TAB7       September 15, 2003      2.1600000%         $465,000.00
        Class C(2001-2) 55264TAD3       September 15, 2003      2.2600000%         $194,611.11
        Class C(2001-3) 55264TAF8       September 15, 2003      6.5500000%       $2,183,333.33
        Class C(2001-4) 55264TAK7       September 15, 2003      2.1600000%         $465,000.00
        Class C(2001-5) 55264TAN1       September 15, 2003      2.3300000%         $300,958.33
        Class C(2002-1) 55264TAS0       September 15, 2003      6.8000000%       $1,416,666.67
        Class C(2002-2) 55264TAW1       September 15, 2003      2.0600000%         $177,388.89
        Class C(2002-3) 55264TAY7       September 15, 2003      2.4600000%         $423,666.67
        Class C(2002-4) 55264TBD2       September 15, 2003      2.3100000%         $198,916.67
        Class C(2002-5) 55264TBE0       September 15, 2003      4.0500000%         $337,500.00
        Class C(2002-6) 55264TBH3       September 15, 2003      3.1100000%         $133,902.78
        Class C(2002-7) 55264TBJ9       September 15, 2003      6.7000000%         $279,166.67
        Class C(2003-1) 55264TBM2       September 15, 2003      2.8100000%         $483,944.44
        Class C(2003-2) 55264TBN0       September 15, 2003      2.7100000%         $233,361.11
        Class C(2003-3) 55264TBU4       September 15, 2003      2.4600000%         $370,708.33
        Class C(2003-5) 55264TBX8       September 15, 2003      2.2900000%         $197,194.44
        Class C(2003-6) 55264TBZ3       September 15, 2003      2.2866000%         $746,319.45
        Total Class C                                                            $8,607,638.89


        *  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       Amount                  Principal 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
        Class A(2003-8)            $750,000,000.00      $750,000,000.00         $750,000,000.00         $750,000,000.00
        Total Class A:          $23,942,225,000.00   $23,942,225,000.00      $23,942,225,000.00      $23,942,225,000.00
        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
        Class B(2003-3)            $200,000,000.00      $200,000,000.00         $200,000,000.00         $200,000,000.00
        Total Class B:           $2,200,000,000.00    $2,200,000,000.00       $2,200,000,000.00       $2,200,000,000.00
        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:                  $29,294,785,000.00   $29,294,785,000.00      $29,294,785,000.00      $29,294,785,000.00




        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
        Class A(2003-8)           $750,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00     $750,000,000.00
                               $23,942,225,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00  $23,942,225,000.00
        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
        Class B(2003-3)           $200,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00     $200,000,000.00
                                $2,200,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $2,200,000,000.00
        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: $29,294,785,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00  $29,294,785,000.00

        *  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  197,632,044.97




        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:   Marcie E. Copson-Hall
                                                                   Title:  Executive Vice President


        C- 10                                                           MBNAseries