EXHIBIT C
         SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

        MBNAseries
         MBNA CREDIT CARD MASTER NOTE TRUST


        MONTHLY PERIOD ENDING June 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 July 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 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)         $1,445,833.33   $1,445,833.33   $0.00   $1,445,833.33   $0.00
        Class A(2001-3)         $2,708,858.34   $2,708,858.34   $0.00   $8,216,870.28   $14,311.20
        Class A(2001-Emerald)   $13,900,324.34  $13,900,324.34  $0.00   $122,772,561.36 $285,459.11
        Class A(2001-5)         $1,429,166.67   $1,429,166.67   $0.00   $1,429,166.67   $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)         $2,077,887.50   $2,077,887.50   $0.00   $4,025,907.03   $5,061.53
        Class A(2002-3)         $2,162,500.00   $2,162,500.00   $0.00   $2,162,500.00   $0.00
        Class A(2002-4)         $2,775,000.00   $2,775,000.00   $0.00   $2,775,000.00   $0.00
        Class A(2002-5)         $2,125,000.00   $2,125,000.00   $0.00   $2,125,000.00   $0.00
        Class A(2002-7)         $1,476,545.19   $1,476,545.19   $0.00   $4,198,925.41   $7,072.66
        Class A(2002-8)         $1,096,876.67   $1,096,876.67   $0.00   $3,327,192.56   $5,794.98
        Class A(2002-9)         $1,884,534.17   $1,884,534.17   $0.00   $5,716,420.31   $9,954.60
        Class A(2002-10)        $2,800,000.00   $2,800,000.00   $0.00   $2,800,000.00   $0.00
        Class A(2002-11)        $1,510,502.89   $1,510,502.89   $0.00   $4,295,492.59   $7,235.94
        Class A(2002-12)        $4,100,000.00   $4,100,000.00   $0.00   $4,100,000.00   $0.00
        Class A(2002-13)        $1,395,833.33   $1,395,833.33   $0.00   $1,395,833.33   $0.00
        Class A(2003-1)         $1,400,833.33   $1,400,833.33   $0.00   $1,400,833.33   $0.00
        Class A(2003-2)         $2,725,000.00   $2,725,000.00   $0.00   $2,725,000.00   $0.00
        Class A(2003-3)         $2,087,500.00   $2,087,500.00   $0.00   $2,087,500.00   $0.00
        Class A(2003-4)         $2,150,000.00   $2,150,000.00   $0.00   $2,150,000.00   $0.00
        Class A(2003-5)         $1,681,877.59   $1,681,877.59   $0.00   $4,782,839.42   $8,028.99
        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)         $2,131,250.00   $2,131,250.00   $0.00   $2,131,250.00   $0.00
        Class A(2003-9)         $2,931,250.00   $2,931,250.00   $0.00   $2,931,250.00   $0.00
        Class A(2003-10)        $1,450,000.00   $1,450,000.00   $0.00   $1,450,000.00   $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)        $1,387,500.00   $1,387,500.00   $0.00   $1,387,500.00   $0.00
        Class A(2004-2)         $1,685,000.00   $1,685,000.00   $0.00   $1,685,000.00   $0.00
        Class A(2004-1)         $2,250,652.04   $2,250,652.04   $0.00   $6,400,291.72   $10,746.66
        Class A(2004-3)         $2,030,000.00   $2,030,000.00   $0.00   $2,030,000.00   $0.00
        Class A(2004-4)         $3,618,000.00   $3,618,000.00   $0.00   $3,618,000.00   $0.00
        Class A(2004-5)         $3,107,762.44   $3,107,762.44   $0.00   $6,021,289.73   $7,545.90
        Class A(2004-6)         $1,400,000.00   $1,400,000.00   $0.00   $1,400,000.00   $0.00
        Class A(2004-7)         $2,490,000.00   $2,490,000.00   $0.00   $2,490,000.00   $0.00
        Class A(2004-8)         $1,404,166.67   $1,404,166.67   $0.00   $1,404,166.67   $0.00
        Class A(2004-9)         $2,030,305.88   $2,030,305.88   $0.00   $2,030,305.88   $0.00
        Class A(2004-10)        $1,375,000.00   $1,375,000.00   $0.00   $1,375,000.00   $0.00
        Class A(2005-1)         $2,625,000.00   $2,625,000.00   $0.00   $2,625,000.00   $0.00
        Class A(2005-2)         $1,991,388.89   $1,991,388.89   $0.00   $2,563,750.00   $1,480.25
        Class A(2005-3)         $2,118,333.33   $2,118,333.33   $0.00   $2,118,333.33   $0.00
        Class A Total:          $101,978,432.60 $101,978,432.60 $0.00   $240,612,762.95 $362,691.82
        Class B:
        Class B(2001-1)         $748,958.33     $748,958.33     $0.00   $748,958.33     $0.00
        Class B(2001-2)         $745,833.33     $745,833.33     $0.00   $745,833.33     $0.00
        Class B(2001-3)         $465,000.00     $465,000.00     $0.00   $465,000.00     $0.00
        Class B(2002-1)         $1,072,916.67   $1,072,916.67   $0.00   $1,072,916.67   $0.00
        Class B(2002-2)         $750,000.00     $750,000.00     $0.00   $750,000.00     $0.00
        Class B(2002-3)         $754,166.67     $754,166.67     $0.00   $754,166.67     $0.00
        Class B(2002-4)         $620,000.00     $620,000.00     $0.00   $620,000.00     $0.00
        Class B(2003-1)         $610,000.00     $610,000.00     $0.00   $610,000.00     $0.00
        Class B(2003-2)         $601,666.67     $601,666.67     $0.00   $601,666.67     $0.00
        Class B(2003-3)         $599,166.67     $599,166.67     $0.00   $599,166.67     $0.00
        Class B(2003-5)         $448,750.00     $448,750.00     $0.00   $448,750.00     $0.00
        Class B(2003-4)         $1,219,006.84   $1,219,006.84   $0.00   $1,219,006.84   $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)         $451,250.00     $451,250.00     $0.00   $451,250.00     $0.00
        Class B(2005-1)         $111,562.50     $111,562.50     $0.00   $111,562.50     $0.00
        Class B Total:          $10,496,194.35  $10,496,194.35  $0.00   $10,496,194.35  $0.00
        Class C:
        Class C(2001-1)         $889,583.33     $889,583.33     $0.00   $889,583.33     $0.00
        Class C(2001-2)         $364,166.67     $364,166.67     $0.00   $364,166.67     $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)         $889,583.33     $889,583.33     $0.00   $889,583.33     $0.00
        Class C(2001-5)         $555,000.00     $555,000.00     $0.00   $555,000.00     $0.00
        Class C(2002-1)         $1,416,666.67   $1,416,666.67   $0.00   $1,416,666.67   $0.00
        Class C(2002-2)         $347,500.00     $347,500.00     $0.00   $347,500.00     $0.00
        Class C(2002-3)         $761,666.67     $761,666.67     $0.00   $761,666.67     $0.00
        Class C(2002-4)         $368,333.33     $368,333.33     $0.00   $368,333.33     $0.00
        Class C(2002-5)         $337,500.00     $337,500.00     $0.00   $337,500.00     $0.00
        Class C(2002-6)         $217,500.00     $217,500.00     $0.00   $217,500.00     $0.00
        Class C(2002-7)         $279,166.67     $279,166.67     $0.00   $279,166.67     $0.00
        Class C(2003-1)         $820,000.00     $820,000.00     $0.00   $820,000.00     $0.00
        Class C(2003-2)         $401,666.67     $401,666.67     $0.00   $401,666.67     $0.00
        Class C(2003-3)         $666,458.33     $666,458.33     $0.00   $666,458.33     $0.00
        Class C(2003-4)         $1,502,437.65   $1,502,437.65   $0.00   $2,910,972.95   $3,647.66
        Class C(2003-5)         $366,666.67     $366,666.67     $0.00   $366,666.67     $0.00
        Class C(2003-6)         $916,666.67     $916,666.67     $0.00   $916,666.67     $0.00
        Class C(2003-7)         $380,833.33     $380,833.33     $0.00   $380,833.33     $0.00
        Class C(2004-1)         $666,666.67     $666,666.67     $0.00   $666,666.67     $0.00
        Class C(2004-2)         $944,166.67     $944,166.67     $0.00   $944,166.67     $0.00
        Class C(2005-1)         $549,296.87     $549,296.87     $0.00   $549,296.87     $0.00
        Class C Total:          $15,824,859.53  $15,824,859.53  $0.00   $17,233,394.83  $3,647.66
        Total:                  $128,299,486.48 $128,299,486.48 $0.00   $268,342,352.13 $366,339.48

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



        B. Interest to be paid on the corresponding Payment Date:*
                        Amount of interest to be
                        paid on corresponding
                        Interest Payment Date
                        CUSIP                   Interest Payment Date   Interest Rate
                        Number

        Class A
        Class A(2001-1)         55264TAC5        July 15, 2005   5.7500000%      $4,791,666.67
        Class A(2001-2)         55264TAE1       July 15, 2005   3.4700000%      $1,445,833.33
        Class A(2001-3)         55264TAG6       July 15, 2005   3.2506300%      $8,216,870.28
        Class A(2001-5)         55264TAM3       July 15, 2005   3.4300000%      $1,429,166.67
        Class A(2002-1)         55264TAQ4       July 15, 2005   4.9500000%      $4,125,000.00
        Class A(2002-3)         55264TAT8       July 15, 2005   3.4600000%      $2,162,500.00
        Class A(2002-4)         55264TAU5       July 15, 2005   3.3300000%      $2,775,000.00
        Class A(2002-5)         55264TAV3       July 15, 2005   3.4000000%      $2,125,000.00
        Class A(2002-7)         015111453       July 15, 2005   3.3406000%      $4,198,925.41
        Class A(2002-8)         55264TBA8       July 15, 2005   3.2906300%      $3,327,192.56
        Class A(2002-9)         55264TBB6       July 15, 2005   3.2306300%      $5,716,420.31
        Class A(2002-10)        55264TBF7       July 15, 2005   3.3600000%      $2,800,000.00
        Class A(2002-11)        015665394       July 15, 2005   3.4637500%      $4,295,492.59
        Class A(2002-12)        55264TBK6       July 15, 2005   3.2800000%      $4,100,000.00
        Class A(2002-13)        55264TBL4       July 15, 2005   3.3500000%      $1,395,833.33
        Class A(2003-1)         55264TBQ3       July 15, 2005   3.3000000%      $1,375,000.00
        Class A(2003-2)         55264TBR1       July 15, 2005   3.2700000%      $2,725,000.00
        Class A(2003-3)         55264TBS9       July 15, 2005   3.3400000%      $2,087,500.00
        Class A(2003-4)         55264TBT7       July 15, 2005   3.4400000%      $2,150,000.00
        Class A(2003-5)         016803677       July 15, 2005   3.4515000%      $4,782,839.42
        Class A(2003-6)         55264TBV2       July 15, 2005   2.7500000%      $1,145,833.33
        Class A(2003-7)         55264TBY6       July 15, 2005   2.6500000%      $1,435,416.67
        Class A(2003-8)         55264TCA7       July 15, 2005   3.4100000%      $2,131,250.00
        Class A(2003-9)         55264TCC3       July 15, 2005   3.3500000%      $2,931,250.00
        Class A(2003-10)        55264TCF6       July 15, 2005   3.4800000%      $1,450,000.00
        Class A(2003-11)        55264TCH2       July 15, 2005   3.6500000%      $1,520,833.33
        Class A(2003-12)        55264TCJ8       July 15, 2005   3.3300000%      $1,387,500.00
        Class A(2004-2)         55264TCK5       July 15, 2005   3.3700000%      $1,685,000.00
        Class A(2004-1)         01890514        July 15, 2005   3.3636000%      $6,400,291.72
        Class A(2004-3)         55264TCL3       July 15, 2005   3.4800000%      $2,030,000.00
        Class A(2004-4)         55264TCP4       July 15, 2005   2.7000000%      $3,037,500.00
        Class A(2004-6)         55264TCQ2       July 15, 2005   3.3600000%      $1,400,000.00
        Class A(2004-7)         55264TCS8       July 15, 2005   3.3200000%      $2,490,000.00
        Class A(2004-8)         55264TCU3       July 15, 2005   3.3700000%      $1,404,166.67
        Class A(2004-9)         020110562       July 15, 2005   3.3940000%      $2,030,305.88
        Class A(2004-10)        55264TCV1       July 15, 2005   3.3000000%      $1,375,000.00
        Class A(2005-1)         55264TCW9       July 15, 2005   4.2000000%      $2,625,000.00
        Class A(2005-2)         55264TCX7       July 15, 2005   3.2384200%      $2,563,750.00
        Class A(2005-3)         55264TCZ2       July 15, 2005   4.1000000%      $2,118,333.33
        Total Class A                                                           $107,186,671.50
        Class B
        Class B(2001-1)         55264TAA9       July 15, 2005   3.5950000%      $748,958.33
        Class B(2001-2)         55264TAJ0       July 15, 2005   3.5800000%      $745,833.33
        Class B(2001-3)         55264TAP6       July 15, 2005   3.7200000%      $465,000.00
        Class B(2002-1)         55264TAR2       July 15, 2005   5.1500000%      $1,072,916.67
        Class B(2002-2)         55264TAX9       July 15, 2005   3.6000000%      $750,000.00
        Class B(2002-3)         55264TBC4       July 15, 2005   3.6200000%      $754,166.67
        Class B(2002-4)         55264TBG5       July 15, 2005   3.7200000%      $620,000.00
        Class B(2003-1)         55264TBP5       July 15, 2005   3.6600000%      $610,000.00
        Class B(2003-2)         55264TBW0       July 15, 2005   3.6100000%      $601,666.67
        Class B(2003-3)         55264TCB5       July 15, 2005   3.5950000%      $599,166.67
        Class B(2003-5)         55264TCE9       July 15, 2005   3.5900000%      $448,750.00
        Class B(2004-1)         55264TCN9       July 15, 2005   4.4500000%      $1,297,916.67
        Class B(2004-2)         55264TCT6       July 15, 2005   3.6100000%      $451,250.00
        Total Class B                                                           $9,165,625.01
        Class C
        Class C(2001-1)         55264TAB7       July 15, 2005   4.2700000%      $889,583.33
        Class C(2001-2)         55264TAD3       July 15, 2005   4.3700000%      $364,166.67
        Class C(2001-3)         55264TAF8       July 15, 2005   6.5500000%      $2,183,333.33
        Class C(2001-4)         55264TAK7       July 15, 2005   4.2700000%      $889,583.33
        Class C(2001-5)         55264TAN1       July 15, 2005   4.4400000%      $555,000.00
        Class C(2002-1)         55264TAS0       July 15, 2005   6.8000000%      $1,416,666.67
        Class C(2002-2)         55264TAW1       July 15, 2005   4.1700000%      $347,500.00
        Class C(2002-3)         55264TAY7       July 15, 2005   4.5700000%      $761,666.67
        Class C(2002-4)         55264TBD2       July 15, 2005   4.4200000%      $368,333.33
        Class C(2002-5)         55264TBE0       July 15, 2005   4.0500000%      $337,500.00
        Class C(2002-6)         55264TBH3       July 15, 2005   5.2200000%      $217,500.00
        Class C(2002-7)         55264TBJ9       July 15, 2005   6.7000000%      $279,166.67
        Class C(2003-1)         55264TBM2       July 15, 2005   4.9200000%      $820,000.00
        Class C(2003-2)         55264TBN0       July 15, 2005   4.8200000%      $401,666.67
        Class C(2003-3)         55264TBU4       July 15, 2005   4.5700000%      $666,458.33
        Class C(2003-5)         55264TBX8       July 15, 2005   4.4000000%      $366,666.67
        Class C(2003-6)         55264TBZ3       July 15, 2005   4.4000000%      $916,666.67
        Class C(2003-7)         55264TCG4       July 15, 2005   4.5700000%      $380,833.33
        Class C(2004-1)         55264TCM1       July 15, 2005   4.0000000%      $666,666.67
        Class C(2004-2)         55264TCR0       July 15, 2005   4.1200000%      $944,166.67
        Class C(2005-1)         55264TCY5       July 15, 2005   3.5954000%      $549,296.87
        Total Class C                                                           $14,322,421.88


        *  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       $5,150,000,000.00       $5,150,000,000.00       $5,150,000,000.00
        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(2002-7)         $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
        Class A(2005-2)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2005-3)         $600,000,000.00         $600,000,000.00         $600,000,000.00         $600,000,000.00
        Total Class A:          $34,733,205,000.00      $34,733,205,000.00      $34,733,205,000.00      $34,733,205,000.00
        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
        Class B(2005-1)         $125,000,000.00         $125,000,000.00         $125,000,000.00         $125,000,000.00
        Total Class B:          $3,306,650,000.00       $3,306,650,000.00       $3,306,650,000.00       $3,306,650,000.00
        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
        Class C(2005-1)         $125,000,000.00         $125,000,000.00         $125,000,000.00         $125,000,000.00
        Total Class C:          $3,852,560,000.00       $3,852,560,000.00       $3,852,560,000.00       $3,852,560,000.00
        Total:                  $41,892,415,000.00      $41,892,415,000.00      $41,892,415,000.00      $41,892,415,000.00


        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)   $5,150,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $5,150,000,000.00
        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(2002-7)         $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
        Class A(2005-2)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2005-3)         $600,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $600,000,000.00
                                $34,733,205,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $34,733,205,000.00
        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
        Class B(2005-1) $125,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $125,000,000.00
                        $3,306,650,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,306,650,000.00
        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
        Class C(2005-1) $125,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $125,000,000.00
                        $3,852,560,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,852,560,000.00
         Total:         $41,892,415,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $41,892,415,000.00

        *  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  292,349,997.74

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





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

        MBNA AMERICA BANK,

        NATIONAL ASSOCIATION,

         as Beneficiary of the MBNA Credit   Card
        Master Note Trust

         and
         as Servicer of the MBNA Master   Credit
        Card Trust II




        Name:   Marcie Copson-Hall
        Title:  Executive Vice President

        C-1     MBNAseries