EXHIBIT C
         SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

        MBNAseries
         MBNA CREDIT CARD MASTER NOTE TRUST


        MONTHLY PERIOD ENDING December 31, 2004

           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 January 14, 2005 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      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)         $1,252,569.44           $1,252,569.44           $0.00           $1,252,569.44           $0.00
        Class A(2001-3)         $2,058,888.89           $2,058,888.89           $0.00           $5,752,777.78           $7,266.29
        Class A(2001-Emerald)   $9,534,076.80           $9,534,076.80           $0.00           $126,749,538.05         $180,347.07
        Class A(2001-5)         $1,233,680.56           $1,233,680.56           $0.00           $1,233,680.56           $0.00
        Class A(2002-1)         $4,125,000.00           $4,125,000.00           $0.00           $4,125,000.00           $0.00
        Class A(2002-2)         $1,606,626.26           $1,606,626.26           $0.00           $3,024,237.67           $2,787.93
        Class A(2002-3)         $1,871,770.83           $1,871,770.83           $0.00           $1,871,770.83           $0.00
        Class A(2002-4)         $2,372,916.67           $2,372,916.67           $0.00           $2,372,916.67           $0.00
        Class A(2002-5)         $1,829,270.83           $1,829,270.83           $0.00           $1,829,270.83           $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)         $1,061,634.27           $1,061,634.27           $0.00           $2,903,881.99           $3,622.34
        Class A(2002-8)         $838,666.66             $838,666.66             $0.00           $2,343,333.33           $2,958.73
        Class A(2002-9)         $1,428,000.00           $1,428,000.00           $0.00           $3,990,000.00           $5,039.87
        Class A(2002-10)        $2,401,250.00           $2,401,250.00           $0.00           $2,401,250.00           $0.00
        Class A(2002-11)        $1,104,497.32           $1,104,497.32           $0.00           $3,021,125.02           $3,769.60
        Class A(2002-12)        $3,488,541.67           $3,488,541.67           $0.00           $3,488,541.67           $0.00
        Class A(2002-13)        $1,195,902.78           $1,195,902.78           $0.00           $1,195,902.78           $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)         $2,316,250.00           $2,316,250.00           $0.00           $2,316,250.00           $0.00
        Class A(2003-3)         $1,786,770.83           $1,786,770.83           $0.00           $1,786,770.83           $0.00
        Class A(2003-4)         $1,857,604.17           $1,857,604.17           $0.00           $1,857,604.17           $0.00
        Class A(2003-5)         $1,227,830.95           $1,227,830.95           $0.00           $3,358,478.78           $4,189.74
        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)         $1,836,354.17           $1,836,354.17           $0.00           $1,836,354.17           $0.00
        Class A(2003-9)         $2,511,395.83           $2,511,395.83           $0.00           $2,511,395.83           $0.00
        Class A(2003-10)        $1,257,291.67           $1,257,291.67           $0.00           $1,257,291.67           $0.00
        Class A(2003-11)        $1,520,833.33           $1,520,833.33           $0.00           $1,520,833.33           $0.00
        Class A(2003-12)        $1,186,458.33           $1,186,458.33           $0.00           $1,186,458.33           $0.00
        Class A(2004-2)         $1,446,416.67           $1,446,416.67           $0.00           $1,446,416.67           $0.00
        Class A(2004-1)         $1,623,502.59           $1,623,502.59           $0.00           $4,440,757.07           $5,564.81
        Class A(2004-3)         $1,760,208.33           $1,760,208.33           $0.00           $1,760,208.33           $0.00
        Class A(2004-4)         $3,058,087.50           $3,058,087.50           $0.00           $3,058,087.50           $0.00
        Class A(2004-5)         $2,371,924.95           $2,371,924.95           $0.00           $4,464,799.91           $4,135.16
        Class A(2004-6)         $1,200,625.00           $1,200,625.00           $0.00           $1,200,625.00           $0.00
        Class A(2004-7)         $2,127,125.00           $2,127,125.00           $0.00           $2,127,125.00           $0.00
        Class A(2004-8)         $1,205,347.22           $1,205,347.22           $0.00           $1,205,347.22           $0.00
        Class A(2004-9)         $1,629,658.46           $1,629,658.46           $0.00           $1,629,658.46           $0.00
        Class A(2004-10)        $1,172,291.67           $1,172,291.67           $0.00           $1,172,291.67           $0.00
        Class A Total:          $81,684,686.32          $81,684,686.32          $0.00           $218,877,967.23         $219,681.54
        Class B:
        Class B(2001-1)         $655,798.61             $655,798.61             $0.00           $655,798.61             $0.00
        Class B(2001-2)         $652,256.94             $652,256.94             $0.00           $652,256.94             $0.00
        Class B(2001-3)         $411,187.50             $411,187.50             $0.00           $411,187.50             $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)         $656,979.17             $656,979.17             $0.00           $656,979.17             $0.00
        Class B(2002-3)         $661,701.39             $661,701.39             $0.00           $661,701.39             $0.00
        Class B(2002-4)         $548,250.00             $548,250.00             $0.00           $548,250.00             $0.00
        Class B(2003-1)         $536,916.67             $536,916.67             $0.00           $536,916.67             $0.00
        Class B(2003-2)         $527,472.22             $527,472.22             $0.00           $527,472.22             $0.00
        Class B(2003-3)         $524,638.89             $524,638.89             $0.00           $524,638.89             $0.00
        Class B(2003-5)         $392,770.83             $392,770.83             $0.00           $392,770.83             $0.00
        Class B(2003-4)         $1,007,221.97           $1,007,221.97           $0.00           $1,007,221.97           $0.00
        Class B(2004-1)         $1,297,916.67           $1,297,916.67           $0.00           $1,297,916.67           $0.00
        Class B(2004-2)         $395,604.17             $395,604.17             $0.00           $395,604.17             $0.00
        Class B Total:          $9,341,631.70           $9,341,631.70           $0.00           $9,341,631.70           $0.00
        Class C:
        Class C(2001-1)         $815,173.61             $815,173.61             $0.00           $815,173.61             $0.00
        Class C(2001-2)         $335,513.89             $335,513.89             $0.00           $335,513.89             $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)         $815,173.61             $815,173.61             $0.00           $815,173.61             $0.00
        Class C(2001-5)         $513,187.50             $513,187.50             $0.00           $513,187.50             $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)         $316,625.00             $316,625.00             $0.00           $316,625.00             $0.00
        Class C(2002-3)         $708,805.56             $708,805.56             $0.00           $708,805.56             $0.00
        Class C(2002-4)         $340,236.11             $340,236.11             $0.00           $340,236.11             $0.00
        Class C(2002-5)         $337,500.00             $337,500.00             $0.00           $337,500.00             $0.00
        Class C(2002-6)         $207,895.83             $207,895.83             $0.00           $207,895.83             $0.00
        Class C(2002-7)         $279,166.67             $279,166.67             $0.00           $279,166.67             $0.00
        Class C(2003-1)         $774,916.67             $774,916.67             $0.00           $774,916.67             $0.00
        Class C(2003-2)         $378,013.89             $378,013.89             $0.00           $378,013.89             $0.00
        Class C(2003-3)         $620,204.86             $620,204.86             $0.00           $620,204.86             $0.00
        Class C(2003-4)         $1,296,258.65           $1,296,258.65           $0.00           $2,440,016.28           $2,249.98
        Class C(2003-5)         $338,347.22             $338,347.22             $0.00           $338,347.22             $0.00
        Class C(2003-6)         $845,868.06             $845,868.06             $0.00           $845,868.06             $0.00
        Class C(2003-7)         $354,402.78             $354,402.78             $0.00           $354,402.78             $0.00
        Class C(2004-1)         $601,138.89             $601,138.89             $0.00           $601,138.89             $0.00
        Class C(2004-2)         $857,732.64             $857,732.64             $0.00           $857,732.64             $0.00
        Class C Total:          $14,336,161.44          $14,336,161.44          $0.00           $15,479,919.07          $2,249.98
        Total:                  $105,362,479.46         $105,362,479.46         $0.00           $243,699,518.00         $221,931.52

        *  The Interest Funding Account Balance for Class A(2001-Emerald) reflects activity as of the end of the Monthly Period.



B.

                                                                                     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       January 18, 2005        5.7500000%      $4,791,666.67
        Class A(2001-2)         55264TAE1       January 18, 2005        2.6525000%      $1,252,569.44
        Class A(2001-3)         55264TAG6       January 18, 2005        2.1800000%      $5,752,777.78
        Class A(2001-5)         55264TAM3       January 18, 2005        2.6125000%      $1,233,680.56
        Class A(2002-1)         55264TAQ4       January 18, 2005        4.9500000%      $4,125,000.00
        Class A(2002-3)         55264TAT8       January 18, 2005        2.6425000%      $1,871,770.83
        Class A(2002-4)         55264TAU5       January 18, 2005        2.5125000%      $2,372,916.67
        Class A(2002-5)         55264TAV3       January 18, 2005        2.5825000%      $1,829,270.83
        Class A(2002-6)         55264TAZ4       January 18, 2005        3.9000000%      $2,437,500.00
        Class A(2002-7)         015111453       January 18, 2005        2.2606000%      $2,903,881.99
        Class A(2002-8)         55264TBA8       January 18, 2005        2.2200000%      $2,343,333.33
        Class A(2002-9)         55264TBB6       January 18, 2005        2.1600000%      $3,990,000.00
        Class A(2002-10)        55264TBF7       January 18, 2005        2.5425000%      $2,401,250.00
        Class A(2002-11)        015665394       January 18, 2005        2.3837500%      $3,021,125.02
        Class A(2002-12)        55264TBK6       January 18, 2005        2.4625000%      $3,488,541.67
        Class A(2002-13)        55264TBL4       January 18, 2005        2.5325000%      $1,195,902.78
        Class A(2003-1)         55264TBQ3       January 18, 2005        3.3000000%      $1,375,000.00
        Class A(2003-2)         55264TBR1       January 18, 2005        2.4525000%      $2,316,250.00
        Class A(2003-3)         55264TBS9       January 18, 2005        2.5225000%      $1,786,770.83
        Class A(2003-4)         55264TBT7       January 18, 2005        2.6225000%      $1,857,604.17
        Class A(2003-5)         016803677       January 18, 2005        2.3715000%      $3,358,478.78
        Class A(2003-6)         55264TBV2       January 18, 2005        2.7500000%      $1,145,833.33
        Class A(2003-7)         55264TBY6       January 18, 2005        2.6500000%      $1,435,416.67
        Class A(2003-8)         55264TCA7       January 18, 2005        2.5925000%      $1,836,354.17
        Class A(2003-9)         55264TCC3       January 18, 2005        2.5325000%      $2,511,395.83
        Class A(2003-10)        55264TCF6       January 18, 2005        2.6625000%      $1,257,291.67
        Class A(2003-11)        55264TCH2       January 18, 2005        3.6500000%      $1,520,833.33
        Class A(2003-12)        55264TCJ8       January 18, 2005        2.5125000%      $1,186,458.33
        Class A(2004-2)         55264TCK5       January 18, 2005        2.5525000%      $1,446,416.67
        Class A(2004-1)         01890514        January 18, 2005        2.2836000%      $4,440,757.07
        Class A(2004-3)         55264TCL3       January 18, 2005        2.6625000%      $1,760,208.33
        Class A(2004-4)         55264TCP4       January 18, 2005        2.7000000%      $3,037,500.00
        Class A(2004-6)         55264TCQ2       January 18, 2005        2.5425000%      $1,200,625.00
        Class A(2004-7)         55264TCS8       January 18, 2005        2.5025000%      $2,127,125.00
        Class A(2004-8)         55264TCU3       January 18, 2005        2.5525000%      $1,205,347.22
        Class A(2004-9)         020110562       January 18, 2005        2.5640000%      $1,629,658.46
        Class A(2004-10)        55264TCV1       January 18, 2005        2.4825000%      $1,172,291.67
        Total Class A                                                                   $84,618,804.10
        Class B
        Class B(2001-1)         55264TAA9       January 18, 2005        2.7775000%      $655,798.61
        Class B(2001-2)         55264TAJ0       January 18, 2005        2.7625000%      $652,256.94
        Class B(2001-3)         55264TAP6       January 18, 2005        2.9025000%      $411,187.50
        Class B(2002-1)         55264TAR2       January 18, 2005        5.1500000%      $1,072,916.67
        Class B(2002-2)         55264TAX9       January 18, 2005        2.7825000%      $656,979.17
        Class B(2002-3)         55264TBC4       January 18, 2005        2.8025000%      $661,701.39
        Class B(2002-4)         55264TBG5       January 18, 2005        2.9025000%      $548,250.00
        Class B(2003-1)         55264TBP5       January 18, 2005        2.8425000%      $536,916.67
        Class B(2003-2)         55264TBW0       January 18, 2005        2.7925000%      $527,472.22
        Class B(2003-3)         55264TCB5       January 18, 2005        2.7775000%      $524,638.89
        Class B(2003-5)         55264TCE9       January 18, 2005        2.7725000%      $392,770.83
        Class B(2004-1)         55264TCN9       January 18, 2005        4.4500000%      $1,297,916.67
        Class B(2004-2)         55264TCT6       January 18, 2005        2.7925000%      $395,604.17
        Total Class B                                                                   $8,334,409.73
        Class C
        Class C(2001-1)         55264TAB7       January 18, 2005        3.4525000%      $815,173.61
        Class C(2001-2)         55264TAD3       January 18, 2005        3.5525000%      $335,513.89
        Class C(2001-3)         55264TAF8       January 18, 2005        6.5500000%      $2,183,333.33
        Class C(2001-4)         55264TAK7       January 18, 2005        3.4525000%      $815,173.61
        Class C(2001-5)         55264TAN1       January 18, 2005        3.6225000%      $513,187.50
        Class C(2002-1)         55264TAS0       January 18, 2005        6.8000000%      $1,416,666.67
        Class C(2002-2)         55264TAW1       January 18, 2005        3.3525000%      $316,625.00
        Class C(2002-3)         55264TAY7       January 18, 2005        3.7525000%      $708,805.56
        Class C(2002-4)         55264TBD2       January 18, 2005        3.6025000%      $340,236.11
        Class C(2002-5)         55264TBE0       January 18, 2005        4.0500000%      $337,500.00
        Class C(2002-6)         55264TBH3       January 18, 2005        4.4025000%      $207,895.83
        Class C(2002-7)         55264TBJ9       January 18, 2005        6.7000000%      $279,166.67
        Class C(2003-1)         55264TBM2       January 18, 2005        4.1025000%      $774,916.67
        Class C(2003-2)         55264TBN0       January 18, 2005        4.0025000%      $378,013.89
        Class C(2003-3)         55264TBU4       January 18, 2005        3.7525000%      $620,204.86
        Class C(2003-5)         55264TBX8       January 18, 2005        3.5825000%      $338,347.22
        Class C(2003-6)         55264TBZ3       January 18, 2005        3.5825000%      $845,868.06
        Class C(2003-7)         55264TCG4       January 18, 2005        3.7525000%      $354,402.78
        Class C(2004-1)         55264TCM1       January 18, 2005        3.1825000%      $601,138.89
        Class C(2004-2)         55264TCR0       January 18, 2005        3.3025000%      $857,732.64
        Total Class C                                                                   $13,039,902.79


        *  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
        withdrawal





        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         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

        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)   $4,850,000,000.00       $4,850,000,000.00       $4,850,000,000.00       $4,850,000,000.00
        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
        Class A(2003-9)         $1,050,000,000.00       $1,050,000,000.00       $1,050,000,000.00       $1,050,000,000.00
        Class A(2003-10)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-11)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-12)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-2)         $600,000,000.00         $600,000,000.00         $600,000,000.00         $600,000,000.00
        Class A(2004-1)         $752,760,000.00         $752,760,000.00         $752,760,000.00         $752,760,000.00
        Class A(2004-3)         $700,000,000.00         $700,000,000.00         $700,000,000.00         $700,000,000.00
        Class A(2004-4)         $1,350,000,000.00       $1,350,000,000.00       $1,350,000,000.00       $1,350,000,000.00
        Class A(2004-5)         $1,015,240,000.00       $1,015,240,000.00       $1,015,240,000.00       $1,015,240,000.00
        Class A(2004-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-7)         $900,000,000.00         $900,000,000.00         $900,000,000.00         $900,000,000.00
        Class A(2004-8)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-9)         $672,980,000.00         $672,980,000.00         $672,980,000.00         $672,980,000.00
        Class A(2004-10)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Total Class A:          $33,333,205,000.00      $33,333,205,000.00      $33,333,205,000.00      $33,333,205,000.00
        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
        Class B(2003-5)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class B(2003-4)         $331,650,000.00         $331,650,000.00         $331,650,000.00         $331,650,000.00
        Class B(2004-1)         $350,000,000.00         $350,000,000.00         $350,000,000.00         $350,000,000.00
        Class B(2004-2)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Total Class B:          $3,181,650,000.00       $3,181,650,000.00       $3,181,650,000.00       $3,181,650,000.00
        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
        Class C(2003-7)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2004-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2004-2)         $275,000,000.00         $275,000,000.00         $275,000,000.00         $275,000,000.00
        Total Class C:          $3,727,560,000.00       $3,727,560,000.00       $3,727,560,000.00       $3,727,560,000.00
        Total:                  $40,242,415,000.00      $40,242,415,000.00      $40,242,415,000.00      $40,242,415,000.00


        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 Princial 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)   $4,850,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $4,850,000,000.00
        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
        Class A(2003-9)         $1,050,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,050,000,000.00
        Class A(2003-10)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-11)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-12)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2004-2)         $600,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $600,000,000.00
        Class A(2004-1)         $752,760,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $752,760,000.00
        Class A(2004-3)         $700,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $700,000,000.00
        Class A(2004-4)         $1,350,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,350,000,000.00
        Class A(2004-5)         $1,015,240,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,015,240,000.00
        Class A(2004-6)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2004-7)         $900,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $900,000,000.00
        Class A(2004-8)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2004-9)         $672,980,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $672,980,000.00
        Class A(2004-10)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
                                $33,333,205,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $33,333,205,000.00
        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
        Class B(2003-5)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
        Class B(2003-4)         $331,650,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $331,650,000.00
        Class B(2004-1)         $350,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $350,000,000.00
        Class B(2004-2)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
                                $3,181,650,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,181,650,000.00
        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
        Class C(2003-7)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2004-1)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class C(2004-2)         $275,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $275,000,000.00
                                $3,727,560,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,727,560,000.00
         Total:                 $40,242,415,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $40,242,415,000.00

        *  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  304,434,608.87

        Is 3 Month Excess Available Funds Less Than 0 ? (Yes/No)        NO




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

        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-1     MBNAseries