EXHIBIT C
                         SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

                        MBNAseries
                         MBNA CREDIT CARD MASTER NOTE TRUST


                        MONTHLY PERIOD ENDING April 30, 2005

                           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 May 13, 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 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)         $1,379,392.36           $1,379,392.36           $0.00                   $1,379,392.36           $0.00
                        Class A(2001-3)         $2,799,153.61           $2,799,153.61           $0.00                   $2,799,153.61           $0.00
                        Class A(2001-Emerald)   $11,983,207.61          $11,983,207.61          $0.00                   $119,744,751.58         $240,380.05
                        Class A(2001-5)         $1,362,170.14           $1,362,170.14           $0.00                   $1,362,170.14           $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)         $1,639,936.25           $1,639,936.25           $0.00                   $5,089,457.34           $7,908.86
                        Class A(2002-3)         $2,062,630.21           $2,062,630.21           $0.00                   $2,062,630.21           $0.00
                        Class A(2002-4)         $2,638,229.17           $2,638,229.17           $0.00                   $2,638,229.17           $0.00
                        Class A(2002-5)         $2,023,880.21           $2,023,880.21           $0.00                   $2,023,880.21           $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)         $1,338,119.09           $1,338,119.09           $0.00                   $1,338,119.09           $0.00
                        Class A(2002-8)         $1,133,439.22           $1,133,439.22           $0.00                   $1,133,439.22           $0.00
                        Class A(2002-9)         $1,947,351.97           $1,947,351.97           $0.00                   $1,947,351.97           $0.00
                        Class A(2002-10)        $2,664,062.50           $2,664,062.50           $0.00                   $2,664,062.50           $0.00
                        Class A(2002-11)        $1,368,893.24           $1,368,893.24           $0.00                   $1,368,893.24           $0.00
                        Class A(2002-12)        $3,892,760.42           $3,892,760.42           $0.00                   $3,892,760.42           $0.00
                        Class A(2002-13)        $1,327,725.69           $1,327,725.69           $0.00                   $1,327,725.69           $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)         $2,586,562.50           $2,586,562.50           $0.00                   $2,586,562.50           $0.00
                        Class A(2003-3)         $1,985,130.21           $1,985,130.21           $0.00                   $1,985,130.21           $0.00
                        Class A(2003-4)         $2,049,713.54           $2,049,713.54           $0.00                   $2,049,713.54           $0.00
                        Class A(2003-5)         $1,524,201.58           $1,524,201.58           $0.00                   $1,524,201.58           $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)         $1,435,416.67           $1,435,416.67           $0.00                   $1,435,416.67           $0.00
                        Class A(2003-8)         $2,030,338.54           $2,030,338.54           $0.00                   $2,030,338.54           $0.00
                        Class A(2003-9)         $2,788,223.96           $2,788,223.96           $0.00                   $2,788,223.96           $0.00
                        Class A(2003-10)        $1,383,697.92           $1,383,697.92           $0.00                   $1,383,697.92           $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)        $1,319,114.58           $1,319,114.58           $0.00                   $1,319,114.58           $0.00
                        Class A(2004-2)         $1,603,604.17           $1,603,604.17           $0.00                   $1,603,604.17           $0.00
                        Class A(2004-1)         $2,039,653.40           $2,039,653.40           $0.00                   $2,039,653.40           $0.00
                        Class A(2004-3)         $1,937,177.08           $1,937,177.08           $0.00                   $1,937,177.08           $0.00
                        Class A(2004-4)         $3,429,084.38           $3,429,084.38           $0.00                   $3,429,084.38           $0.00
                        Class A(2004-5)         $2,440,206.90           $2,440,206.90           $0.00                   $7,573,055.88           $11,768.34
                        Class A(2004-6)         $1,332,031.25           $1,332,031.25           $0.00                   $1,332,031.25           $0.00
                        Class A(2004-7)         $2,366,656.25           $2,366,656.25           $0.00                   $2,366,656.25           $0.00
                        Class A(2004-8)         $1,336,336.81           $1,336,336.81           $0.00                   $1,336,336.81           $0.00
                        Class A(2004-9)         $1,699,012.79           $1,699,012.79           $0.00                   $1,699,012.79           $0.00
                        Class A(2004-10)        $1,306,197.92           $1,306,197.92           $0.00                   $1,306,197.92           $0.00
                        Class A(2005-1)         $962,500.00             $962,500.00             $0.00                   $962,500.00             $0.00
                        Class A Total:          $92,511,645.47          $92,511,645.47          $0.00                   $208,855,559.51         $260,057.25
                        Class B:
                        Class B(2001-1)         $716,605.90             $716,605.90             $0.00                   $716,605.90             $0.00
                        Class B(2001-2)         $713,376.74             $713,376.74             $0.00                   $713,376.74             $0.00
                        Class B(2001-3)         $446,109.38             $446,109.38             $0.00                   $446,109.38             $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)         $717,682.29             $717,682.29             $0.00                   $717,682.29             $0.00
                        Class B(2002-3)         $721,987.85             $721,987.85             $0.00                   $721,987.85             $0.00
                        Class B(2002-4)         $594,812.50             $594,812.50             $0.00                   $594,812.50             $0.00
                        Class B(2003-1)         $584,479.17             $584,479.17             $0.00                   $584,479.17             $0.00
                        Class B(2003-2)         $575,868.06             $575,868.06             $0.00                   $575,868.06             $0.00
                        Class B(2003-3)         $573,284.72             $573,284.72             $0.00                   $573,284.72             $0.00
                        Class B(2003-5)         $429,317.71             $429,317.71             $0.00                   $429,317.71             $0.00
                        Class B(2003-4)         $1,000,363.27           $1,000,363.27           $0.00                   $2,138,707.67           $2,608.07
                        Class B(2004-1)         $1,297,916.67           $1,297,916.67           $0.00                   $1,297,916.67           $0.00
                        Class B(2004-2)         $431,901.04             $431,901.04             $0.00                   $431,901.04             $0.00
                        Class B Total:          $9,876,621.97           $9,876,621.97           $0.00                   $11,014,966.37          $2,608.07
                        Class C:
                        Class C(2001-1)         $861,918.40             $861,918.40             $0.00                   $861,918.40             $0.00
                        Class C(2001-2)         $353,378.47             $353,378.47             $0.00                   $353,378.47             $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)         $861,918.40             $861,918.40             $0.00                   $861,918.40             $0.00
                        Class C(2001-5)         $539,109.37             $539,109.37             $0.00                   $539,109.37             $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)         $336,156.25             $336,156.25             $0.00                   $336,156.25             $0.00
                        Class C(2002-3)         $741,201.39             $741,201.39             $0.00                   $741,201.39             $0.00
                        Class C(2002-4)         $357,684.03             $357,684.03             $0.00                   $357,684.03             $0.00
                        Class C(2002-5)         $337,500.00             $337,500.00             $0.00                   $337,500.00             $0.00
                        Class C(2002-6)         $213,286.46             $213,286.46             $0.00                   $213,286.46             $0.00
                        Class C(2002-7)         $279,166.67             $279,166.67             $0.00                   $279,166.67             $0.00
                        Class C(2003-1)         $801,479.17             $801,479.17             $0.00                   $801,479.17             $0.00
                        Class C(2003-2)         $392,128.47             $392,128.47             $0.00                   $392,128.47             $0.00
                        Class C(2003-3)         $648,551.22             $648,551.22             $0.00                   $648,551.22             $0.00
                        Class C(2003-4)         $1,240,204.95           $1,240,204.95           $0.00                   $3,848,911.89           $5,980.26
                        Class C(2003-5)         $355,961.81             $355,961.81             $0.00                   $355,961.81             $0.00
                        Class C(2003-6)         $889,904.51             $889,904.51             $0.00                   $889,904.51             $0.00
                        Class C(2003-7)         $370,600.69             $370,600.69             $0.00                   $370,600.69             $0.00
                        Class C(2004-1)         $643,034.72             $643,034.72             $0.00                   $643,034.72             $0.00
                        Class C(2004-2)         $912,589.41             $912,589.41             $0.00                   $912,589.41             $0.00
                        Class C Total:          $14,735,774.39          $14,735,774.39          $0.00                   $17,344,481.33          $5,980.26
                        Total:                  $117,124,041.83         $117,124,041.83         $0.00                   $237,215,007.21         $268,645.58

                        *  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               May 16, 2005            5.7500000%              $4,791,666.67
                        Class A(2001-2)         55264TAE1               May 16, 2005            3.2037500%              $1,379,392.36
                        Class A(2001-5)         55264TAM3               May 16, 2005            3.1637500%              $1,362,170.14
                        Class A(2002-1)         55264TAQ4               May 16, 2005            4.9500000%              $4,125,000.00
                        Class A(2002-2)         014467025               May 16, 2005            3.1025000%              $5,089,457.34
                        Class A(2002-3)         55264TAT8               May 16, 2005            3.1937500%              $2,062,630.21
                        Class A(2002-4)         55264TAU5               May 16, 2005            3.0637500%              $2,638,229.17
                        Class A(2002-5)         55264TAV3               May 16, 2005            3.1337500%              $2,023,880.21
                        Class A(2002-6)         55264TAZ4               May 16, 2005            3.9000000%              $2,437,500.00
                        Class A(2002-10)        55264TBF7               May 16, 2005            3.0937500%              $2,664,062.50
                        Class A(2002-12)        55264TBK6               May 16, 2005            3.0137500%              $3,892,760.42
                        Class A(2002-13)        55264TBL4               May 16, 2005            3.0837500%              $1,327,725.69
                        Class A(2003-1)         55264TBQ3               May 16, 2005            3.3000000%              $1,375,000.00
                        Class A(2003-2)         55264TBR1               May 16, 2005            3.0037500%              $2,586,562.50
                        Class A(2003-3)         55264TBS9               May 16, 2005            3.0737500%              $1,985,130.21
                        Class A(2003-4)         55264TBT7               May 16, 2005            3.1737500%              $2,049,713.54
                        Class A(2003-6)         55264TBV2               May 16, 2005            2.7500000%              $1,145,833.33
                        Class A(2003-7)         55264TBY6               May 16, 2005            2.6500000%              $1,435,416.67
                        Class A(2003-8)         55264TCA7               May 16, 2005            3.1437500%              $2,030,338.54
                        Class A(2003-9)         55264TCC3               May 16, 2005            3.0837500%              $2,788,223.96
                        Class A(2003-10)        55264TCF6               May 16, 2005            3.2137500%              $1,383,697.92
                        Class A(2003-11)        55264TCH2               May 16, 2005            3.6500000%              $1,520,833.33
                        Class A(2003-12)        55264TCJ8               May 16, 2005            3.0637500%              $1,319,114.58
                        Class A(2004-2)         55264TCK5               May 16, 2005            3.1037500%              $1,603,604.17
                        Class A(2004-3)         55264TCL3               May 16, 2005            3.2137500%              $1,937,177.08
                        Class A(2004-4)         55264TCP4               May 16, 2005            2.7000000%              $3,037,500.00
                        Class A(2004-5)         019227766               May 16, 2005            2.9837500%              $7,573,055.88
                        Class A(2004-6)         55264TCQ2               May 16, 2005            3.0937500%              $1,332,031.25
                        Class A(2004-7)         55264TCS8               May 16, 2005            3.0537500%              $2,366,656.25
                        Class A(2004-8)         55264TCU3               May 16, 2005            3.1037500%              $1,336,336.81
                        Class A(2004-9)         020110562               May 16, 2005            3.1340000%              $1,699,012.79
                        Class A(2004-10)        55264TCV1               May 16, 2005            3.0337500%              $1,306,197.92
                        Total Class A           $75,605,911.44
                        Class B
                        Class B(2001-1)         55264TAA9               May 16, 2005            3.3287500%              $716,605.90
                        Class B(2001-2)         55264TAJ0               May 16, 2005            3.3137500%              $713,376.74
                        Class B(2001-3)         55264TAP6               May 16, 2005            3.4537500%              $446,109.38
                        Class B(2002-1)         55264TAR2               May 16, 2005            5.1500000%              $1,072,916.67
                        Class B(2002-2)         55264TAX9               May 16, 2005            3.3337500%              $717,682.29
                        Class B(2002-3)         55264TBC4               May 16, 2005            3.3537500%              $721,987.85
                        Class B(2002-4)         55264TBG5               May 16, 2005            3.4537500%              $594,812.50
                        Class B(2003-1)         55264TBP5               May 16, 2005            3.3937500%              $584,479.17
                        Class B(2003-2)         55264TBW0               May 16, 2005            3.3437500%              $575,868.06
                        Class B(2003-3)         55264TCB5               May 16, 2005            3.3287500%              $573,284.72
                        Class B(2003-5)         55264TCE9               May 16, 2005            3.3237500%              $429,317.71
                        Class B(2004-1)         55264TCN9               May 16, 2005            4.4500000%              $1,297,916.67
                        Class B(2004-2)         55264TCT6               May 16, 2005            3.3437500%              $431,901.04
                        Total Class B           $8,876,258.70
                        Class C
                        Class C(2001-1)         55264TAB7               May 16, 2005            4.0037500%              $861,918.40
                        Class C(2001-2)         55264TAD3               May 16, 2005            4.1037500%              $353,378.47
                        Class C(2001-3)         55264TAF8               May 16, 2005            6.5500000%              $2,183,333.33
                        Class C(2001-4)         55264TAK7               May 16, 2005            4.0037500%              $861,918.40
                        Class C(2001-5)         55264TAN1               May 16, 2005            4.1737500%              $539,109.37
                        Class C(2002-1)         55264TAS0               May 16, 2005            6.8000000%              $1,416,666.67
                        Class C(2002-2)         55264TAW1               May 16, 2005            3.9037500%              $336,156.25
                        Class C(2002-3)         55264TAY7               May 16, 2005            4.3037500%              $741,201.39
                        Class C(2002-4)         55264TBD2               May 16, 2005            4.1537500%              $357,684.03
                        Class C(2002-5)         55264TBE0               May 16, 2005            4.0500000%              $337,500.00
                        Class C(2002-6)         55264TBH3               May 16, 2005            4.9537500%              $213,286.46
                        Class C(2002-7)         55264TBJ9               May 16, 2005            6.7000000%              $279,166.67
                        Class C(2003-1)         55264TBM2               May 16, 2005            4.6537500%              $801,479.17
                        Class C(2003-2)         55264TBN0               May 16, 2005            4.5537500%              $392,128.47
                        Class C(2003-3)         55264TBU4               May 16, 2005            4.3037500%              $648,551.22
                        Class C(2003-4)         016994588               May 16, 2005            4.7001000%              $3,848,911.89
                        Class C(2003-5)         55264TBX8               May 16, 2005            4.1337500%              $355,961.81
                        Class C(2003-6)         55264TBZ3               May 16, 2005            4.1337500%              $889,904.51
                        Class C(2003-7)         55264TCG4               May 16, 2005            4.3037500%              $370,600.69
                        Class C(2004-1)         55264TCM1               May 16, 2005            3.7337500%              $643,034.72
                        Class C(2004-2)         55264TCR0               May 16, 2005            3.8537500%              $912,589.41
                        Total Class C           $17,344,481.33


                        *  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:

                        Initial Dollar          Outstanding             Adjusted Outstanding    Nominal Liquidation
                        Principal  Amount       Principal               Principal Amount        Amount
                        Amount

                        Class A
                        Class A(2001-1)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
                        Class A(2001-2)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
                        Class A(2001-3)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
                        Class A(2001-Emerald)   $5,150,000,000.00       $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
                        Class A(2005-1)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
                        Total Class A:          $34,383,205,000.00      $34,083,205,000.00      $34,083,205,000.00      $34,083,205,000.00
                        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:                  $41,292,415,000.00      $40,992,415,000.00      $40,992,415,000.00      $40,992,415,000.00


                        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:


                        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)   $4,850,000,000.00       $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
                        Class A(2005-1)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
                        $34,083,205,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $34,083,205,000.00
                        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:                 $40,992,415,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $40,992,415,000.00

                        *  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  284,373,568.18

                        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