EXHIBIT C
         SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

        MBNAseries
         MBNA CREDIT CARD MASTER NOTE TRUST


        MONTHLY PERIOD ENDING September 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 October 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)         $1,785,835.56   $1,785,835.56           $0.00           $1,785,835.56                   $0.00
        Class A(2001-3)         $3,296,666.67   $3,296,666.67           $0.00           $9,683,958.33                   $19,538.30
        Class A(2001-Emerald)   $16,036,894.78  $16,036,894.78          $0.00           $119,668,038.24                 $328,307.81
        Class A(2001-5)         $1,768,057.78   $1,768,057.78           $0.00           $1,768,057.78                   $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)         $2,236,124.10   $2,236,124.10           $0.00           $4,695,860.61                   $7,524.35
        Class A(2002-3)         $2,672,086.67   $2,672,086.67           $0.00           $2,672,086.67                   $0.00
        Class A(2002-4)         $3,447,226.67   $3,447,226.67           $0.00           $3,447,226.67                   $0.00
        Class A(2002-5)         $2,632,086.67   $2,632,086.67           $0.00           $2,632,086.67                   $0.00
        Class A(2002-7)         $1,576,688.58   $1,576,688.58           $0.00           $4,835,178.33                   $9,967.40
        Class A(2002-8)         $1,332,888.89   $1,332,888.89           $0.00           $3,915,361.11                   $7,899.50
        Class A(2002-9)         $2,295,222.22   $2,295,222.22           $0.00           $6,742,215.28                   $13,603.00
        Class A(2002-10)        $3,473,893.33   $3,473,893.33           $0.00           $3,473,893.33                   $0.00
        Class A(2002-11)        $1,605,950.48   $1,605,950.48           $0.00           $4,924,914.81                   $10,153.45
        Class A(2002-12)        $5,104,173.33   $5,104,173.33           $0.00           $5,104,173.33                   $0.00
        Class A(2002-13)        $1,732,502.22   $1,732,502.22           $0.00           $1,732,502.22                   $0.00
        Class A(2003-1)         $1,737,835.56   $1,737,835.56           $0.00           $1,737,835.56                   $0.00
        Class A(2003-2)         $3,393,893.33   $3,393,893.33           $0.00           $3,393,893.33                   $0.00
        Class A(2003-3)         $2,592,086.67   $2,592,086.67           $0.00           $2,592,086.67                   $0.00
        Class A(2003-4)         $2,658,753.33   $2,658,753.33           $0.00           $2,658,753.33                   $0.00
        Class A(2003-5)         $1,788,904.52   $1,788,904.52           $0.00           $5,485,973.84                   $11,309.40
        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)         $2,638,753.33   $2,638,753.33           $0.00           $2,638,753.33                   $0.00
        Class A(2003-9)         $3,638,254.67   $3,638,254.67           $0.00           $3,638,254.67                   $0.00
        Class A(2003-10)        $1,790,280.00   $1,790,280.00           $0.00           $1,790,280.00                   $0.00
        Class A(2003-11)        $1,707,168.89   $1,707,168.89           $0.00           $1,707,168.89                   $0.00
        Class A(2003-12)        $1,723,613.33   $1,723,613.33           $0.00           $1,723,613.33                   $0.00
        Class A(2004-2)         $2,089,669.33   $2,089,669.33           $0.00           $2,089,669.33                   $0.00
        Class A(2004-1)         $2,401,291.86   $2,401,291.86           $0.00           $7,363,961.69                   $15,179.85
        Class A(2004-3)         $2,506,392.00   $2,506,392.00           $0.00           $2,506,392.00                   $0.00
        Class A(2004-4)         $4,516,956.00   $4,516,956.00           $0.00           $4,516,956.00                   $0.00
        Class A(2004-5)         $3,359,285.33   $3,359,285.33           $0.00           $7,054,499.20                   $11,303.30
        Class A(2004-6)         $1,736,946.67   $1,736,946.67           $0.00           $1,736,946.67                   $0.00
        Class A(2004-7)         $3,094,504.00   $3,094,504.00           $0.00           $3,094,504.00                   $0.00
        Class A(2004-8)         $1,741,391.11   $1,741,391.11           $0.00           $1,741,391.11                   $0.00
        Class A(2004-9)         $2,211,513.23   $2,211,513.23           $0.00           $2,211,513.23                   $0.00
        Class A(2004-10)        $1,710,280.00   $1,710,280.00           $0.00           $1,710,280.00                   $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)         $1,710,280.00   $1,710,280.00           $0.00           $1,710,280.00                   $0.00
        Class A(2005-3)         $2,050,000.00   $2,050,000.00           $0.00           $2,050,000.00                   $0.00
        Class A(2005-4)         $2,708,003.56   $2,708,003.56           $0.00           $2,708,003.56                   $0.00
        Class A(2005-5)         $5,024,173.33   $5,024,173.33           $0.00           $5,024,173.33                   $0.00
        Class A(2005-6)         $2,750,000.00   $2,750,000.00           $0.00           $3,125,000.00                   $1,146.80
        Class A(2005-7)         $238,888.89     $238,888.89             $0.00           $238,888.89                     $0.00
        Class A Total:          $128,638,333.56 $128,638,333.56         $0.00           $267,453,377.57                 $435,933.16
        Class B:
        Class B(2001-1)         $920,695.56     $920,695.56             $0.00           $920,695.56                     $0.00
        Class B(2001-2)         $917,362.22     $917,362.22             $0.00           $917,362.22                     $0.00
        Class B(2001-3)         $569,084.00     $569,084.00             $0.00           $569,084.00                     $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)         $921,806.67     $921,806.67             $0.00           $921,806.67                     $0.00
        Class B(2002-4)         $758,778.67     $758,778.67             $0.00           $758,778.67                     $0.00
        Class B(2003-1)         $748,112.00     $748,112.00             $0.00           $748,112.00                     $0.00
        Class B(2003-2)         $739,223.11     $739,223.11             $0.00           $739,223.11                     $0.00
        Class B(2003-3)         $736,556.44     $736,556.44             $0.00           $736,556.44                     $0.00
        Class B(2003-5)         $551,750.67     $551,750.67             $0.00           $551,750.67                     $0.00
        Class B(2003-4)         $1,271,333.29   $1,271,333.29           $0.00           $1,271,333.29                   $84,570.40
        Class B(2004-1)         $1,302,662.67   $1,302,662.67           $0.00           $1,302,662.67                   $0.00
        Class B(2004-2)         $554,417.33     $554,417.33             $0.00           $554,417.33                     $0.00
        Class B(2005-1)         $450,903.33     $450,903.33             $0.00           $450,903.33                     $0.00
        Class B(2005-2)         $701,889.78     $701,889.78             $0.00           $701,889.78                     $0.00
        Class B Total:          $12,217,492.41  $12,217,492.41          $0.00           $12,217,492.41                  $84,570.40
        Class C:
        Class C(2001-1)         $1,070,695.56   $1,070,695.56           $0.00           $1,070,695.56                   $0.00
        Class C(2001-2)         $437,167.11     $437,167.11             $0.00           $437,167.11                     $0.00
        Class C(2001-3)         $2,183,333.33   $2,183,333.33           $0.00           $2,183,333.33                   $0.00
        Class C(2001-4)         $1,070,695.56   $1,070,695.56           $0.00           $1,070,695.56                   $0.00
        Class C(2001-5)         $665,084.00     $665,084.00             $0.00           $665,084.00                     $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)         $419,389.33     $419,389.33             $0.00           $419,389.33                     $0.00
        Class C(2002-3)         $909,889.78     $909,889.78             $0.00           $909,889.78                     $0.00
        Class C(2002-4)         $441,611.56     $441,611.56             $0.00           $441,611.56                     $0.00
        Class C(2002-6)         $256,361.33     $256,361.33             $0.00           $256,361.33                     $0.00
        Class C(2002-7)         $279,166.67     $279,166.67             $0.00           $279,166.67                     $0.00
        Class C(2003-1)         $972,112.00     $972,112.00             $0.00           $972,112.00                     $0.00
        Class C(2003-2)         $477,167.11     $477,167.11             $0.00           $477,167.11                     $0.00
        Class C(2003-3)         $796,153.56     $796,153.56             $0.00           $796,153.56                     $0.00
        Class C(2003-4)         $1,552,355.97   $1,552,355.97           $0.00           $3,259,947.54                   $5,221.60
        Class C(2003-5)         $439,833.78     $439,833.78             $0.00           $439,833.78                     $0.00
        Class C(2003-6)         $1,099,584.44   $1,099,584.44           $0.00           $1,099,584.44                   $0.00
        Class C(2003-7)         $454,944.89     $454,944.89             $0.00           $454,944.89                     $0.00
        Class C(2004-1)         $808,556.44     $808,556.44             $0.00           $808,556.44                     $0.00
        Class C(2004-2)         $1,141,098.44   $1,141,098.44           $0.00           $1,141,098.44                   $0.00
        Class C(2005-1)         $464,236.67     $464,236.67             $0.00           $464,236.67                     $0.00
        Class C(2005-2)         $156,328.13     $156,328.13             $0.00           $156,328.13                     $0.00
        Class C Total:          $17,512,432.33  $17,512,432.33          $0.00           $19,220,023.90                  $5,221.60
        Total:                  $158,368,258.30 $158,368,258.30         $0.00           $298,890,893.88                 $525,725.16

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



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

        Class A
        Class A(2001-1)         55264TAC5       October 17, 2005        5.7500000%      $4,791,666.67
        Class A(2001-2)         55264TAE1       October 17, 2005        4.0181300%      $1,785,835.56
        Class A(2001-3)         55264TAG6       October 17, 2005        3.7087500%      $9,683,958.33
        Class A(2001-5)         55264TAM3       October 17, 2005        3.9781300%      $1,768,057.78
        Class A(2002-1)         55264TAQ4       October 17, 2005        4.9500000%      $4,125,000.00
        Class A(2002-3)         55264TAT8       October 17, 2005        4.0081300%      $2,672,086.67
        Class A(2002-4)         55264TAU5       October 17, 2005        3.8781300%      $3,447,226.67
        Class A(2002-5)         55264TAV3       October 17, 2005        3.9481300%      $2,632,086.67
        Class A(2002-7)         015111453       October 17, 2005        3.8049800%      $4,835,178.33
        Class A(2002-8)         55264TBA8       October 17, 2005        3.7487500%      $3,915,361.11
        Class A(2002-9)         55264TBB6       October 17, 2005        3.6887500%      $6,742,215.28
        Class A(2002-10)        55264TBF7       October 17, 2005        3.9081300%      $3,473,893.33
        Class A(2002-11)        015665394       October 17, 2005        3.9281300%      $4,924,914.81
        Class A(2002-12)        55264TBK6       October 17, 2005        3.8281300%      $5,104,173.33
        Class A(2002-13)        55264TBL4       October 17, 2005        3.8981300%      $1,732,502.22
        Class A(2003-1)         55264TBQ3       October 17, 2005        3.3000000%      $1,375,000.00
        Class A(2003-2)         55264TBR1       October 17, 2005        3.8181300%      $3,393,893.33
        Class A(2003-3)         55264TBS9       October 17, 2005        3.8881300%      $2,592,086.67
        Class A(2003-4)         55264TBT7       October 17, 2005        3.9881300%      $2,658,753.33
        Class A(2003-5)         016803677       October 17, 2005        3.9158800%      $5,485,973.84
        Class A(2003-6)         55264TBV2       October 17, 2005        2.7500000%      $1,145,833.33
        Class A(2003-7)         55264TBY6       October 17, 2005        2.6500000%      $1,435,416.67
        Class A(2003-8)         55264TCA7       October 17, 2005        3.9581300%      $2,638,753.33
        Class A(2003-9)         55264TCC3       October 17, 2005        3.8981300%      $3,638,254.67
        Class A(2003-10)        55264TCF6       October 17, 2005        4.0281300%      $1,790,280.00
        Class A(2003-11)        55264TCH2       October 17, 2005        3.6500000%      $1,520,833.33
        Class A(2003-12)        55264TCJ8       October 17, 2005        3.8781300%      $1,723,613.33
        Class A(2004-2)         55264TCK5       October 17, 2005        3.9181300%      $2,089,669.33
        Class A(2004-1)         01890514        October 17, 2005        3.8279800%      $7,363,961.69
        Class A(2004-3)         55264TCL3       October 17, 2005        4.0281300%      $2,506,392.00
        Class A(2004-4)         55264TCP4       October 17, 2005        2.7000000%      $3,037,500.00
        Class A(2004-6)         55264TCQ2       October 17, 2005        3.9081300%      $1,736,946.67
        Class A(2004-7)         55264TCS8       October 17, 2005        3.8681300%      $3,094,504.00
        Class A(2004-8)         55264TCU3       October 17, 2005        3.9181300%      $1,741,391.11
        Class A(2004-9)         020110562       October 17, 2005        3.9433800%      $2,211,513.23
        Class A(2004-10)        55264TCV1       October 17, 2005        3.8481300%      $1,710,280.00
        Class A(2005-1)         55264TCW9       October 17, 2005        4.2000000%      $2,625,000.00
        Class A(2005-2)         55264TCX7       October 17, 2005        3.8481300%      $1,710,280.00
        Class A(2005-3)         55264TCZ2       October 17, 2005        4.1000000%      $2,050,000.00
        Class A(2005-4)         55264TDB4       October 17, 2005        3.8081300%      $2,708,003.56
        Class A(2005-5)         55264TDC2       October 17, 2005        3.7681300%      $5,024,173.33
        Class A(2005-6)         55264TDE8       October 17, 2005        4.5000000%      $3,125,000.00
        Total Class A                                                                   $133,767,463.51
        Class B
        Class B(2001-1)         55264TAA9       October 17, 2005        4.1431300%      $920,695.56
        Class B(2001-2)         55264TAJ0       October 17, 2005        4.1281300%      $917,362.22
        Class B(2001-3)         55264TAP6       October 17, 2005        4.2681300%      $569,084.00
        Class B(2002-1)         55264TAR2       October 17, 2005        5.1500000%      $1,072,916.67
        Class B(2002-2)         55264TAX9       October 17, 2005        4.1481300%      $921,806.67
        Class B(2002-4)         55264TBG5       October 17, 2005        4.2681300%      $758,778.67
        Class B(2003-1)         55264TBP5       October 17, 2005        4.2081300%      $748,112.00
        Class B(2003-2)         55264TBW0       October 17, 2005        4.1581300%      $739,223.11
        Class B(2003-3)         55264TCB5       October 17, 2005        4.1431300%      $736,556.44
        Class B(2003-5)         55264TCE9       October 17, 2005        4.1381300%      $551,750.67
        Class B(2004-1)         55264TCN9       October 17, 2005        4.4500000%      $1,297,916.67
        Class B(2004-2)         55264TCT6       October 17, 2005        4.1581300%      $554,417.33
        Class B(2005-1)         55264TDA6       October 17, 2005        4.0581300%      $450,903.33
        Class B(2005-2)         55264TDD0       October 17, 2005        3.9481300%      $701,889.78
        Total Class B                                                                   $10,941,413.12
        Class C
        Class C(2001-1)         55264TAB7       October 17, 2005        4.8181300%      $1,070,695.56
        Class C(2001-2)         55264TAD3       October 17, 2005        4.9181300%      $437,167.11
        Class C(2001-3)         55264TAF8       October 17, 2005        6.5500000%      $2,183,333.33
        Class C(2001-4)         55264TAK7       October 17, 2005        4.8181300%      $1,070,695.56
        Class C(2001-5)         55264TAN1       October 17, 2005        4.9881300%      $665,084.00
        Class C(2002-1)         55264TAS0       October 17, 2005        6.8000000%      $1,416,666.67
        Class C(2002-2)         55264TAW1       October 17, 2005        4.7181300%      $419,389.33
        Class C(2002-3)         55264TAY7       October 17, 2005        5.1181300%      $909,889.78
        Class C(2002-4)         55264TBD2       October 17, 2005        4.9681300%      $441,611.56
        Class C(2002-6)         55264TBH3       October 17, 2005        5.7681300%      $256,361.33
        Class C(2002-7)         55264TBJ9       October 17, 2005        6.7000000%      $279,166.67
        Class C(2003-1)         55264TBM2       October 17, 2005        5.4681300%      $972,112.00
        Class C(2003-2)         55264TBN0       October 17, 2005        5.3681300%      $477,167.11
        Class C(2003-3)         55264TBU4       October 17, 2005        5.1181300%      $796,153.56
        Class C(2003-5)         55264TBX8       October 17, 2005        4.9481300%      $439,833.78
        Class C(2003-6)         55264TBZ3       October 17, 2005        4.9481300%      $1,099,584.44
        Class C(2003-7)         55264TCG4       October 17, 2005        5.1181300%      $454,944.89
        Class C(2004-1)         55264TCM1       October 17, 2005        4.5481300%      $808,556.44
        Class C(2004-2)         55264TCR0       October 17, 2005        4.6681300%      $1,141,098.44
        Class C(2005-1)         55264TCY5       October 17, 2005        4.1781300%      $464,236.67
        Total Class C                                                                   $15,803,748.23


        *  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
        Class A(2005-4)         $800,000,000.00         $800,000,000.00         $800,000,000.00         $800,000,000.00
        Class A(2005-5)         $1,500,000,000.00       $1,500,000,000.00       $1,500,000,000.00       $1,500,000,000.00
        Class A(2005-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2005-7)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Total Class A:          $38,533,205,000.00      $38,533,205,000.00      $38,533,205,000.00      $38,533,205,000.00
        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(2002-4)         $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
        Class B(2005-2)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Total Class B:          $3,256,650,000.00       $3,256,650,000.00       $3,256,650,000.00       $3,256,650,000.00
        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(2002-6)         $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
        Class C(2005-2)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Total Class C:          $3,902,560,000.00       $3,902,560,000.00       $3,902,560,000.00       $3,902,560,000.00
        Total:                  $45,692,415,000.00      $45,692,415,000.00      $45,692,415,000.00      $45,692,415,000.00


       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
        Class A(2005-4)         $800,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $800,000,000.00
        Class A(2005-5)         $1,500,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,500,000,000.00
        Class A(2005-6)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2005-7)         $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
                                $38,533,205,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $38,533,205,000.00
        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(2002-4)         $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
        Class B(2005-2)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
                                $3,256,650,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $3,256,650,000.00
        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(2002-6)         $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
        Class C(2005-2)         $150,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $150,000,000.00
                                $3,902,560,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $3,902,560,000.00
         Total:                 $45,692,415,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $45,692,415,000.00

        *  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  286,357,917.32

        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 Copson-Hall
                                                        Title:  Executive Vice President


        C-1     MBNAseries