-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, ES4z73u8UCcziuItiuE/t3W0wSosIp2kC265JlVslMGH3oHpKDIp/Y5BnyAO0ApO q9uzmZpzIhm7M5IN0q8lrA== 0000936988-04-000028.txt : 20040915 0000936988-04-000028.hdr.sgml : 20040915 20040915081738 ACCESSION NUMBER: 0000936988-04-000028 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 29 CONFORMED PERIOD OF REPORT: 20040831 ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20040915 DATE AS OF CHANGE: 20040915 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MBNA AMERICA BANK NATIONAL ASSOCIATION CENTRAL INDEX KEY: 0000838440 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 510331454 STATE OF INCORPORATION: DE FISCAL YEAR END: 0630 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-17324 FILM NUMBER: 041030705 BUSINESS ADDRESS: STREET 1: 1100 NORTH KING ST CITY: WILMINGTON STATE: DE ZIP: 19801 BUSINESS PHONE: 3024539930 MAIL ADDRESS: STREET 1: 400 CHRISTIANA RD MS 700760 CITY: NEWARK STATE: DE ZIP: 19713 FORMER COMPANY: FORMER CONFORMED NAME: MBNA AMERICA BANK N A DATE OF NAME CHANGE: 19910801 FORMER COMPANY: FORMER CONFORMED NAME: MARYLAND BANK NA DATE OF NAME CHANGE: 19891204 FILER: COMPANY DATA: COMPANY CONFORMED NAME: MBNA AMERICA BK NAT ASSOC MBNA MASTER CREDIT CARD TRUST II CENTRAL INDEX KEY: 0000936988 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 510331454 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-20949 FILM NUMBER: 041030704 BUSINESS ADDRESS: STREET 1: 1100 NORTH KING ST CITY: WILMINGTON STATE: DE ZIP: 19801 BUSINESS PHONE: 3024539930 MAIL ADDRESS: STREET 1: 400 CHRISTIANA RD STREET 2: MS 700760 CITY: NEWARK STATE: DE ZIP: 19813 8-K 1 k8trust.txt ============================================================================= UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20529 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) September 15, 2004 MBNA AMERICA BANK, NATIONAL ASSOCIATION ON BEHALF OF THE MBNA MASTER CREDIT CARD TRUST II (Exact name of registrant as specified in its charter) United States 333-104089 51-0331454 (State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.) Wilmington, DE 19884-0781 (Address of principal executive office) (Zip Code) Registrant's telephone number, including area code (800) 362-6255. N/A (Former name or address, if changed since last report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below): [ ] Written communication pursuant to Rule 425 under the Securities Act (17 CFR 230.425) [ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) [ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) [ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Section 8 - Other Events. ITEM 8.01. Other Events. On September 15, 2004 the MBNA Master Credit Card Trust II Series 1995-A (the "Series") will be terminated in accordance with the provisions of Section 10 of the Series 1995-A Supplement dated as of March 22, 1995, to the Pooling and Servicing Agreement dated as of August 4, 1994 (the "Pooling and Servicing Agreement") and subsection 12.03 of the Pooling and Servicing Agreement. Final Payment will be made on the Series certificates after presentation and surrender of the Series certificates at the offices of The Bank of New York, as the Trustee. On September 15, 2004 the MBNA Master Credit Card Trust II Series 1997-J (the "Series")will be terminated in accordance with the provisions of Section 10 of the Series 1997-J Supplement dated as of September 10, 1997, to the Pooling and Servicing Agreement dated as of August 4, 1994 (the "Pooling and Servicing Agreement") and subsection 12.03 of the Pooling and Servicing Agreement. Final Payment will be made on the Series certificates after presentation and surrender of the Series certificates at the offices of The Bank of New York, as the Trustee. September 15, 2004 is a Distribution Date for each publicly-offered Series of Certificates Issued by MBNA Master Credit Card Trust II. Copies of the Certificateholders' Statements for the month ended August 31, 2004 are included as Exhibits to this Report under Exhibit 20. Section 9 - Financial Statements and Exhibits ITEM 9.01 (c). Exhibits. The following are filed as Exhibits to this Report under Exhibit 20: 20.1. Series 1995-A Certificateholders' Statement for the month ended August 31, 2004. 20.2. Series 1995-C Certificateholders' Statement for the month ended August 31, 2004. 20.3. Series 1996-B Certificateholders' Statement for the month ended August 31, 2004. 20.4. Series 1996-G Certificateholders' Statement for the month ended August 31, 2004. 20.5. Series 1996-M Certificateholders' Statement for the month ended August 31, 2004. 20.6. Series 1997-B Certificateholders' Statement for the month ended August 31, 2004. 20.7. Series 1997-J Certificateholders' Statement for the month ended August 31, 2004. 20.8. Series 1997-K Certificateholders' Statement for the month ended August 31, 2004. 20.9. Series 1998-E Certificateholders' Statement for the month ended August 31, 2004. 20.10. Series 1998-F Certificateholders' Statement for the month ended August 31, 2004. 20.11. Series 1998-G Certificateholders' Statement for the month ended August 31, 2004. 20.12. Series 1999-B Certificateholders' Statement for the month ended August 31, 2004. 20.13. Series 1999-D Certificateholders' Statement for the month ended August 31, 2004. 20.14. Series 1999-J Certificateholders' Statement for the month ended August 31, 2004. 20.15. Series 1999-L Certificateholders' Statement for the month ended August 31, 2004. 20.16. Series 1999-M Certificateholders' Statement for the month ended August 31, 2004. 20.17. Series 2000-A Certificateholders' Statement for the month ended August 31, 2004. 20.18. Series 2000-C Certificateholders' Statement for the month ended August 31, 2004. 20.19. Series 2000-D Certificateholders' Statement for the month ended August 31, 2004. 20.20. Series 2000-E Certificateholders' Statement for the month ended August 31, 2004. 20.21. Series 2000-F Certificateholders' Statement for the month ended August 31, 2004. 20.22. Series 2000-G Certificateholders' Statement for the month ended August 31, 2004. 20.23. Series 2000-H Certificateholders' Statement for the month ended August 31, 2004. 20.24. Series 2000-I Certificateholders' Statement for the month ended August 31, 2004. 20.25. Series 2000-K Certificateholders' Statement for the month ended August 31, 2004. 20.26. Series 2000-L Certificateholders' Statement for the month ended August 31, 2004. 20.27. Series 2001-A Certificateholders' Statement for the month ended August 31, 2004. 20.28. Series 2001-B Certificateholders' Statement for the month ended August 31, 2004. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Dated: September 15, 2004 MBNA AMERICA BANK, NATIONAL ASSOCIATION, as Servicer By: /s/Marcie Copson-Hall ---------------------------------- Name: Marcie Copson-Hall Title: Executive Vice President DOCSDC1:195478.1 DOCSDC1:195478.1 EX-20 2 mt22095a.txt CLASS A CUSIP 55262T AJ2 Exhibit 20.2 CLASS B CUSIP 55262T AK9 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-A MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $1000.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $352.941176 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $0.000000 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.708334 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $0.688491 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $77,054,363.38 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $3,985,569.07 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $7,528,297.45 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-A as of the end of the day on the last day of the related Monthly Period $43,125,000.00 ---------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-A as of the end of the day on the last day of the related Monthly Period $43,125,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $ 0.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $ 0.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $25,875,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $17,250,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.80% August 25, 2004 through August 31, 2004 0.78% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085 - --------- (l) The Fixed Investor Percentage with respect to the related Monthly Period 0.80% ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period 0.870 ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period 0.045 ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period 0.085 ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,594,304.57 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,257,044.95 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $116,743.68 ----------------- (d) The Collateral Default Amount for the related Monthly Period $220,515.94 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $ 0.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $26,953.13 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $17,968.75 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $ 0.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $ 0.00 ----------------- 8. Collection of Finance Charge Receivables (a) The Aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Procees and amounts, if any, withdrawn from the Reserve Account allocated in respect of the Class A Certificates $7,347,126.40 ----------------- (b) The Aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $380,023.53 ----------------- (c) The Aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $717,822.61 ----------------- 9. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $7,347,126.40 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $363,851.65 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $707,041.36 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 162.80% ------- (b) The Portfolio Adjusted Yield 57.75% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of August 16, 2004 to September 14, 2004: 1.60000% - --------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1995-A EX-20 3 mt22095c.txt CLASS A CUSIP 55262T AN3 Exhibit 20.3 CLASS B CUSIP 55262T AP8 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1995-C MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $5.375000 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.683333 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $1.933333 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $77,054,363.38 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $3,985,569.07 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $7,528,297.45 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1995-C as of the end of the day on the last day of the related Monthly Period $575,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1995-C as of the end of the day on the last day of the related Monthly Period $575,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $500,250,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $500,250,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $25,875,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $48,875,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.80% August 25, 2004 through August 31, 2004 0.78% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870 ---------- (j) The Class B Floating Allocation with respect to the related Monthly Period 0.045 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,594,304.57 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,257,044.95 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $116,743.68 ----------------- (d) The Collateral Default Amount for the related Monthly Period $220,515.94 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $521,093.75 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $26,953.13 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $50,911.45 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $48,875,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $25,875,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date after taking into account deposits on such date prior to withdrawals $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,975,857.02 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $363,851.65 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $687,275.74 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Investment Proceeds and amounts, if any, withdrawn from the Reserve Account and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $9,288,513.27 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $380,023.53 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $717,822.61 ----------------- 11. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date $1,941,386.87 ----------------- (b) The amount of the Net Swap Payment for the related Transfer Date $ 0.00 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% ------- (b) The Portfolio Adjusted Yield 7.72% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of August 16, 2004 to September 14, 2004: 1.60000% - ----------- D. Information regarding the status of the Interest Rate Swap and the Swap Counterparty 1. The Mark-to-Market Amount, if any, for the related Monthly Period. $ N/A ---------------- 2. Has the Interest Reserve Account been established? No ------ 3. Has the Interest Reserve Account been funded? No ------ 4. The aggregate amount of funds withdrawn from the Interest Reserve Account, if any $ 0.00 ---------------- 5. How many funds withdrawn from the Interest Reserve Account were utilized? none 6. Has the Interest Rate Swap been Terminated? No ------- 7. Long Term Credit Rating of the Swap Counterparty AAA/Aaa ------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1995-C EX-20 4 mt22096b.txt CLASS A CUSIP 55262T BC6 Exhibit 20.4 CLASS B CUSIP 55262T BD4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-B MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $1.550000 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.641667 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $1.945098 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $67,003,794.00 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $3,465,717.45 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,546,345.14 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-B as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-B as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $435,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $22,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $42,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.69% August 25, 2004 through August 31, 2004 0.68% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.870 ---------- (j) The Class B Floating Allocation with respect to the related Monthly 0.045 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.085 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48%1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00%750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79%592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72%540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69%519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,255,916.84 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,962,647.54 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $101,516.38 ----------------- (d) The Collateral Default Amount for the related Monthly Period $191,752.92 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $453,125.00 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $23,437.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $44,270.83 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $42,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $22,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $6,116,930.64 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $316,393.29 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $597,630.85 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,388,805.64 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $330,455.79 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $624,193.35 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% ------- (b) The Portfolio Adjusted Yield 7.66% ------- C. LIBOR Determinations LIBOR rates for the Interest Period of August 16, 2004 to September 14, 2004: 1.60000% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1996-B EX-20 5 mt22096g.txt CLASS A CUSIP 55262T BL6 Exhibit 20.5 CLASS B CUSIP 55262T BM4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-G MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $1.483333 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.625000 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $2.074815 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $65,463,477.16 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,776,185.43 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,776,185.43 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-G as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-G as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.69% August 25, 2004 through August 31, 2004 0.68% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850 ---------- (j) The Class B Floating Allocation with respect to the related Monthly Period 0.075 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30- 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,255,916.83 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,917,529.37 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $169,193.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $169,193.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $442,708.33 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The Principal Funding Investment Shortfall deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $5,976,311.40 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,241,936.40 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $550,758.81 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $550,758.81 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% ------- (b) The Portfolio Adjusted Yield 7.73% ------- C. Floating Rate Determinations LIBOR rates for the Interest Period of August 16, 2004 to September 14, 2004: 1.60000% - ----------- Collateral Interest Determination for the Interest Period of August 13, 2004 to September 14, 2004: 1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1996-G EX-20 6 mt22096m.txt CLASS A CUSIP 55262TBV4 Exhibit 20.6 CLASS B CUSIP 55262TBW2 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1996-M MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Collateral Monthly Interest $2.075556 ----------------- 5. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of the current monthly accumulation in respect of Class A Monthly Interest $1.534375 ----------------- 2. The amount of the current monthly accumulation in respect of Class A Deficiency Amounts $0.000000 ----------------- 3. The amount of the current monthly accumulation in respect of Class A Additional Interest $0.000000 ---------------- 4. The amount of the current monthly accumulation in respect of Class B Monthly Interest $1.717708 ----------------- 5. The amount of the current monthly accumulation in respect of Class B Deficiency Amounts $ 0.000000 ----------------- 6. The amount of the current monthly accumulation in respect of Class B Additional Interest $0.000000 ----------------- C. Information Regarding the Current Quarterly Interest Distribution 1. The total amount of distribution from the Interest Funding Account $ 0.00 ----------------- 2. The amount of the current quarterly interest distribution in respect of Class A $ 0.00 ----------------- 3. The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- 4. The amount of the current quarterly interest distribution in respect of Class B $ 0.00 ----------------- 5. The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount $ 0.000000 ----------------- D. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $65,463,477.16 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,776,185.43 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,776,185.43 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1996-M as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1996-M as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ----------------- (h) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.69% August 25, 2004 through August 31, 2004 0.68% (i) The Class A Floating Allocation with respect to the related Monthly Period 0.850 ---------- (j) The Class B Floating Allocation with respect to the related Monthly period 0.075 ---------- (k) The Collateral Floating Allocation with respect to the related Monthly Period 0.075 ---------- (l) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (m) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (n) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,255,916.83 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,917,529.37 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $169,193.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $169,193.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $442,708.33 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (d) The amount of all or the portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (e) Interest earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Interest Funding Account (a) The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $716,523.44 ----------------- (b) The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date $652,109.38 ----------------- (c) The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date $64,414.06 ----------------- (d) The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $5,976,311.40 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $6,241,936.40 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $550,758.81 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $550,758.81 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% ------- (b) The Portfolio Adjusted Yield 7.78% ------- E. LIBOR Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 1.71125% ----------- Collateral Interest determination - 1.60000% ----------- MBNA AMERICA BANK, NATION Marcie E. Copson-Hall AL ASSOCIATION, Servicer Name: Marcie E. Copson-Hall Title: Executive Vice President 1996-M EX-20 7 mt22097b.txt CLASS A CUSIP 55262TCB7 Exhibit 20.7 CLASS B CUSIP 55262TCC5 FORM OF MONTHLY CERTIFICATEHOLDERS'STATEMENT SERIES 1997-B MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Class C Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $1.466667 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.625000 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amounts $0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Class C Monthly Interest $2.125000 ----------------- 11. The amount of distribution in respect of Class C Deficiency Amounts $0.000000 ----------------- 12. The amount of distribution in respect of Class C Additional Interest $ 0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $130,926,963.04 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $11,552,379.40 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class C Interest $11,552,379.40 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-B as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-B as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Class C Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (i) The amount of Principal Receivables in the Trust represented by the Class C Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ----------------- (j) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.39% August 25, 2004 through August 31, 2004 1.36% (k) The Class A Floating Allocation with respect to the related Monthly Period 0.850 ---------- (l) The Class B Floating Allocation with respect to the related Monthly Period 0.075 ---------- (m) The Class C Floating Allocation with respect to the related Monthly Period 0.075 ---------- (n) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (o) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (q) The Class C Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $ 4,511,833.62 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $3,835,058.82 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $338,387.40 ----------------- (d) The Class C Default Amount for the related Monthly Period $338,387.40 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Class C Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Class C Investor Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Class C Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Class C Investor Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $885,416.67 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (c) The amount of the Class C Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $625,000.00 ----------------- 7. Reallocations (a) The amount of Reallocated Class C Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Class C Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (d) The Class C Adjusted Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (e) The Class B Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- (f) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class C Available Funds $ 0.00 ----------------- 9. Reserve Account (a) The Reserve Draw Amount on the related Transfer Date $ 0.00 ----------------- (b) The amount of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- (c) The amount of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The amount of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class C Available Funds $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $11,952,623.55 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,054,643.33 ----------------- (c) The amount of Class C Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,054,643.33 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $12,483,873.55 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $1,101,518.33 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class C Interests $1,101,518.33 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% -------- (b) The Portfolio Adjusted Yield 7.74% -------- C. LIBOR Determinations LIBOR rates for the Interest Period of August 16, 2004 to September 14, 2004: 1.60000% --------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1997-B EX-20 8 mt22097j.txt CLASS A CUSIP 55262TCQ4 Exhibit 20.8 CLASS B CUSIP 55262TCR2 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-J MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $1000.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $1000.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $1000.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $1.433333 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.583333 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $1.977778 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-J as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-J as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 2004 1.02% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850 ---------- (k) The Class B Floating Allocation with respect to the related Monthly period 0.075 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period 1.04% ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period 0.850 ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period 0.075 ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period 0.075 ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $253,790.57 ----------------- (d) The Collateral Default Amount for the related Monthly Period $253,790.57 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $ 0.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $693,750,000.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,964,467.62 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,362,905.12 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% -------- (b) The Portfolio Adjusted Yield 7.80% -------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 1.60000% ----------- Collateral Interest determination - 1.60000% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 1997-J EX-20 9 mt22097k.txt CLASS A CUSIP 55262TCS0 Exhibit 20.9 CLASS B CUSIP 55262TCT8 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1997-K MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $1.433333 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.600000 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $2.044444 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1997-K as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1997-K as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 2004 1.02% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850 ---------- (k) The Class B Floating Allocation with respect to the related Monthly period 0.075 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $253,790.57 ----------------- (d) The Collateral Default Amount for the related Monthly Period $253,790.57 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $664,062.50 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- (e) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (f) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 9. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,964,467.62 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ----------------- 10. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,362,905.12 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ----------------- 11. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% -------- (b) The Portfolio Adjusted Yield 7.79% -------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 1.60000% ----------- Collateral Interest determination - 1.60000% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1997-K EX-20 10 mt22098e.txt CLASS A CUSI262TDK6Exhibit 20.10 CLASS B CUSIP 55262TDL4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-E MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Collateral Minimum Monthly Interest$5.500000 ------------------ 5.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B. Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of the current monthly accumulation in respect of Class A Monthly Interest$ 1.454167 ------------------ 2.The amount of the current monthly accumulation in respect of Class A Deficiency Amounts$ 0.000000 ------------------ 3.The amount of the current monthly accumulation in respect of Class A Additional Interest$ 0.000000 ------------------ 4.The amount of the current monthly accumulation in respect of Class B Monthly Interest$ 1.608333 ------------------ 5.The amount of the current monthly accumulation in respect of Class B Deficiency Amounts$ 0.000000 ------------------ 6.The amount of the current monthly accumulation in respect of Class B Additional Interest$ 0.000000 ------------------ C. Information Regarding the Current Quarterly Interest Distribution 1.The total amount of distribution from the Interest Funding Account$ 0.00 ------------------ 2.The amount of the current quarterly interest distribution in respect of Class A$ 0.00 ------------------ 3.The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount$ 0.000000 ------------------ 4.The amount of the current quarterly interest distribution in respect of Class B$ 0.00 ------------------ 5.The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount$ 0.000000 ------------------ D.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $115,523,784.94 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $10,196,899.58 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $10,196,899.58 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-E as of the end of the day on the last day of the related Monthly Period $882,400,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-E as of the end of the day on the last day of the related Monthly Period $882,400,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$750,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $66,200,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $66,200,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $66,200,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$66,200,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.22% August 25, 2004 through August 31, 20041.20% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,981,241.92 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $3,383,875.22 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $298,683.35 ------------------ (d)The Collateral Default Amount for the related Monthly Period $298,683.35 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$781,250.01 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $68,958.33 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$68,958.33 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $551,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $66,200,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$66,200,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $66,200,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $66,200,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Interest Funding Account (a)The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals)$2,473,999.78 ------------------ (b)The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date$1,090,625.00 ------------------ (c)The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date$106,471.67 ------------------ (d)The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date$1,692.63 ------------------ 10.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $10,548,123.69 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $930,899.12 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $930,899.12 ------------------ 11.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $11,016,873.69 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $972,274.12 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $972,274.12 ------------------ 12.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.39% - -------- E.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1998-E EX-20 11 mt22098f.txt CLASS A CUSI262TDM2Exhibit 20.11 CLASS B CUSIP 55262TDN0 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-F MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Collateral Minimum Monthly Interest$5.375000 ------------------ 5.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of the current monthly accumulation in respect of Class A Monthly Interest$ 1.350000 ------------------ 2.The amount of the current monthly accumulation in respect of Class A Deficiency Amounts$ 0.000000 ------------------ 3.The amount of the current monthly accumulation in respect of Class A Additional Interest$ 0.000000 ------------------ 4.The amount of the current monthly accumulation in respect of Class B Monthly Interest$ 1.500000 ------------------ 5.The amount of the current monthly accumulation in respect of Class B Deficiency Amounts$ 0.000000 ------------------ 6.The amount of the current monthly accumulation in respect of Class B Additional Interest$ 0.000000 ------------------ C. Information Regarding the Current Quarterly Interest Distribution 1.The total amount of distribution from the Interest Funding Account$1,932,000.00 ------------------ 2.The amount of the current quarterly interest distribution in respect of Class A$1,759,500.00 ------------------ 3.The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount$ 4.140000 ------------------ 4.The amount of the current quarterly interest distribution in respect of Class B$172,500.00 ------------------ 5.The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount$ 4.600000 ------------------ D.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $65,463,477.16 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,776,185.43 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,776,185.43 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-F as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-F as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$425,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $37,500,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$37,500,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.69% August 25, 2004 through August 31, 20040.68% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $2,255,916.83 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $1,917,529.37 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $169,193.73 ------------------ (d)The Collateral Default Amount for the related Monthly Period $169,193.73 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$442,708.33 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$39,062.50 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $37,500,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$37,500,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Interest Funding Account (a)The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals)$1,932,000.00 ------------------ (b)The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date$573,750.00 ------------------ (c)The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date$56,250.00 ------------------ (d)The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date$1,725.75 ------------------ 10.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $5,978,037.15 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ------------------ 11.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $6,243,662.15 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $550,758.81 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $550,758.81 ------------------ 12.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.38% - -------- E.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.52000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1998-F EX-20 12 mt22098g.txt CLASS A CUSI262TDP5Exhibit 20.12 CLASS B CUSIP 55262TDQ3 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1998-G MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$1.441667 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$1.666667 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Monthly Interest$2.195556 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1998-G as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1998-G as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 20041.02% (j)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (k)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (l)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (n)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (o)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $253,790.57 ------------------ (d)The Collateral Default Amount for the related Monthly Period $253,790.57 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (e)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,964,467.62 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,362,905.12 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.76% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- Collateral Interest determination - 1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 1998-G EX-20 13 mt22099b.txt CLASS A CUS262TEB5Exhibit 20.13 CLASS B CUSIP55262TEC3 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1999-B MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$4.916667 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$5.166667 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$5.541667 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1999-B as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1999-B as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$56,250,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 20041.02% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $253,790.57 ------------------ (d)The Collateral Default Amount for the related Monthly Period $253,790.57 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$56,250,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ 8.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account, amounts, if any, withdrawn from the Swap Reserve Fund and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $11,584,868.87 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ------------------ 9. Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ 10.Reserve Account (a)The Reserve Draw Amount on the related Transfer Date $ 0.00 ------------------ (b)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (c)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (d)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 11.Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date$ 0.00 ------------------ (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds$ 0.00 ------------------ 12. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date$2,221,963.75 ------------------ (b) The amount of the Net Swap Payment for the related Transfer Date$ 0.00 ------------------ 13.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $11,186,431.37 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ 14.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.12% - -------- C. Information Regarding the Status of the Interest Rate Swap and the Swap Counterparty 1.Has the Interest Reserve Account been established?No 2.Has the Interest Reserve Account been funded?No 3.The aggregate amount of funds withdrawn from the Interest Reserve Account, if any$0.00 ------------------ 4.How any funds withdrawn from the Interest Reserve Account were utilized N/A 5.Has the Interest Rate Swap been terminated?No MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 1999-B EX-20 14 mt22099d.txt CLASS A CUSI262TEE9Exhibit 20.14 CLASS B CUSIP 55262TEF6 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1999-D MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$1.491667 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$5.416667 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$5.791667 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $65,463,477.16 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,776,185.43 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,776,185.43 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1999-D as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1999-D as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$425,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $37,500,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$37,500,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.69% August 25, 2004 through August 31, 20040.68% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $2,255,916.83 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $1,917,529.37 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $169,193.73 ------------------ (d)The Collateral Default Amount for the related Monthly Period $169,193.73 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$442,708.33 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$39,062.50 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $37,500,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$37,500,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $5,976,311.40 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $6,241,936.40 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $550,758.81 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $550,758.81 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.02% - -------- C.Floating Rate Determinations LIBOR rate for the Interest Period ending on this Distribution Date:1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 1999-D EX-20 15 mt22099j.txt CLASS A CUS262TEU3Exhibit 20.15 CLASS B CUSIP55262TEV1 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1999-J MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$5.833333 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$6.166667 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$6.541667 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $130,926,963.04 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $11,552,379.40 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $11,552,379.40 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1999-J as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1999-J as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$850,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$75,000,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $75,000,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$75,000,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.39% August 25, 2004 through August 31, 20041.36% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $4,511,833.62 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $3,835,058.82 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $338,387.40 ------------------ (d)The Collateral Default Amount for the related Monthly Period $338,387.40 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$885,416.67 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$78,125.00 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $625,000.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $75,000,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$75,000,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ------------------ 8.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account, amounts, if any, withdrawn from the Swap Reserve Fund and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $16,143,336.05 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $1,101,518.33 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,101,518.33 ------------------ 9. Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ 10.Reserve Account (a)The Reserve Draw Amount on the related Transfer Date $ 0.00 ------------------ (b)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (c)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (d)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 11.Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date$ 0.00 ------------------ (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds$ 0.00 ------------------ 12. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date$3,659,462.50 ------------------ (b) The amount of the Net Swap Payment for the related Transfer Date$ 0.00 ------------------ 13.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $15,612,086.05 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,054,643.33 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,054,643.33 ------------------ 14.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 6.84% - -------- C. Information Regarding the Status of the Interest Rate Swap and the Swap Counterparty 1.Has the Interest Reserve Account been established?No 2.Has the Interest Reserve Account been funded?No 3.The aggregate amount of funds withdrawn from the Interest Reserve Account, if any$0.00 ------------------ 4.How any funds withdrawn from the Interest Reserve Account were utilized N/A 5.Has the Interest Rate Swap been terminated?No MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1999-J EX-20 16 mt22099l.txt CLASS A CUSI262TEW9Exhibit 20.16 CLASS B CUSIP 55262TEX7 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1999-L MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$1.541667 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$1.775000 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$2.233333 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1999-L as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1999-L as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$56,250,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 20041.02% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $253,790.57 ------------------ (d)The Collateral Default Amount for the related Monthly Period $253,790.57 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$56,250,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,964,467.62 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,362,905.12 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.63% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 1999-L EX-20 17 mt22099m.txt CLASS A CUS262TEY5Exhibit 20.17 CLASS B CUSIP55262TEZ2 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 1999-M MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$5.500000 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$5.666667 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$6.208333 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $65,463,477.16 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,776,185.43 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,776,185.43 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 1999-M as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 1999-M as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$425,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$37,500,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $37,500,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$37,500,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.69% August 25, 2004 through August 31, 20040.68% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $2,255,916.83 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $1,917,529.37 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $169,193.73 ------------------ (d)The Collateral Default Amount for the related Monthly Period $169,193.73 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$442,708.33 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$39,062.50 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $37,500,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$37,500,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ------------------ 8.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account, amounts, if any, withdrawn from the Swap Reserve Fund and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $7,971,332.23 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $550,758.81 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $550,758.81 ------------------ 9. Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ 10.Reserve Account (a)The Reserve Draw Amount on the related Transfer Date $ 0.00 ------------------ (b)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (c)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (d)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 11.Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date$ 0.00 ------------------ (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds$ 0.00 ------------------ 12. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date$1,729,395.83 ------------------ (b) The amount of the Net Swap Payment for the related Transfer Date$ 0.00 ------------------ 13.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $7,705,707.23 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ------------------ 14.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.02% - -------- C. Information Regarding the Status of the Interest Rate Swap and the Swap Counterparty 1.Has the Interest Reserve Account been established?No 2.Has the Interest Reserve Account been funded?No 3.The aggregate amount of funds withdrawn from the Interest Reserve Account, if any$0.00 ------------------ 4.How any funds withdrawn from the Interest Reserve Account were utilized N/A 5.Has the Interest Rate Swap been terminated?No MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 1999-M EX-20 18 mt220a00.txt CLASS A CUS262TFA6Exhibit 20.18 CLASS B CUSIP55262TFB4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-A MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$6.125000 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$6.291667 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$6.583333 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-A as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-A as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$56,250,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 20041.02% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $253,790.57 ------------------ (d)The Collateral Default Amount for the related Monthly Period $253,790.57 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$56,250,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ 8.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account, amounts, if any, withdrawn from the Swap Reserve Fund and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $12,353,311.37 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ------------------ 9. Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ 10.Reserve Account (a)The Reserve Draw Amount on the related Transfer Date $ 0.00 ------------------ (b)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (c)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (d)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 11.Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date$ 0.00 ------------------ (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds$ 0.00 ------------------ 12. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date$2,990,406.25 ------------------ (b) The amount of the Net Swap Payment for the related Transfer Date$ 0.00 ------------------ 13.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $11,954,873.87 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ 14.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 6.93% - -------- C. Information Regarding the Status of the Interest Rate Swap and the Swap Counterparty 1.Has the Interest Reserve Account been established?No 2.Has the Interest Reserve Account been funded?No 3.The aggregate amount of funds withdrawn from the Interest Reserve Account, if any$0.00 ------------------ 4.How any funds withdrawn from the Interest Reserve Account were utilized N/A 5.Has the Interest Rate Swap been terminated?No MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-A EX-20 19 mt220c00.txt CLASS A CUSI262TFE8Exhibit 20.19 CLASS B CUSIP 55262TFF5 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-C MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$1.466667 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$1.645833 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$2.000000 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $196,390,437.55 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $17,328,564.86 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $17,328,564.86 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-C as of the end of the day on the last day of the related Monthly Period $1,500,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-C as of the end of the day on the last day of the related Monthly Period $1,500,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $1,275,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$1,275,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $112,500,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $112,500,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $112,500,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$112,500,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 2.08% August 25, 2004 through August 31, 20042.03% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $6,767,750.15 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $5,752,587.85 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $507,581.15 ------------------ (d)The Collateral Default Amount for the related Monthly Period $507,581.15 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$1,328,125.00 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $117,187.50 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$117,187.50 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $937,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $112,500,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$112,500,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $112,500,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $112,500,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $17,928,934.90 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,581,964.60 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,581,964.60 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $18,725,809.90 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $1,652,277.10 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,652,277.10 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.75% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- MBNA AMERICA BANK, NATIO Marcie E. Copson-Hall NAL ASSOCIATION, Servicer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-C EX-20 20 mt220d00.txt CLASS A CUSI262TFG3Exhibit 20.20 CLASS B CUSIP 55262TFH1 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-D MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$1.500000 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$1.691667 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$7.000000 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $111,287,918.92 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $9,819,516.33 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $9,819,516.33 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-D as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-D as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $722,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$722,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $63,750,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $63,750,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $63,750,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$63,750,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.18% August 25, 2004 through August 31, 20041.15% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,835,058.41 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $3,259,799.97 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $287,629.22 ------------------ (d)The Collateral Default Amount for the related Monthly Period $287,629.22 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$752,604.17 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $66,406.25 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$66,406.25 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $531,250.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $63,750,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$63,750,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $63,750,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $63,750,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $10,159,730.07 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $896,446.43 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $896,446.43 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $10,611,292.57 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $936,290.18 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $936,290.18 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.24% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-D EX-20 21 mt220e00.txt CLASS A CUS262TFJ7Exhibit 20.21 CLASS B CUSIP55262TFK4 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-E MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$6.500000 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$6.791667 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$7.333333 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $77,015,856.66 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $6,931,423.68 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $6,931,423.68 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-E as of the end of the day on the last day of the related Monthly Period $590,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-E as of the end of the day on the last day of the related Monthly Period $590,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$500,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $45,000,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$45,000,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $45,000,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$45,000,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.82% August 25, 2004 through August 31, 20040.80% (k)The Class A Floating Allocation with respect to the related Monthly Period0.847 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.076 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.076 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $2,661,981.60 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,255,916.78 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $203,032.41 ------------------ (d)The Collateral Default Amount for the related Monthly Period $203,032.41 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$520,833.33 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $46,875.00 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$46,875.00 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $368,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $45,000,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$45,000,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $45,000,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $45,000,000.00 ------------------ 8.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account, amounts, if any, withdrawn from the Swap Reserve Fund and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $9,849,163.42 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $660,910.49 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $660,910.49 ------------------ 9. Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ 10.Reserve Account (a)The Reserve Draw Amount on the related Transfer Date $ 0.00 ------------------ (b)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (c)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (d)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 11.Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date$ 0.00 ------------------ (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds$ 0.00 ------------------ 12. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date$2,505,708.33 ------------------ (b) The amount of the Net Swap Payment for the related Transfer Date$ 0.00 ------------------ 13.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $9,536,663.42 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $632,785.49 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $632,785.49 ------------------ 14.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 6.74% - -------- C. Information Regarding the Status of the Interest Rate Swap and the Swap Counterparty 1.Has the Interest Reserve Account been established?No 2.Has the Interest Reserve Account been funded?No 3.The aggregate amount of funds withdrawn from the Interest Reserve Account, if any$0.00 ------------------ 4.How any funds withdrawn from the Interest Reserve Account were utilized N/A 5.Has the Interest Rate Swap been terminated?No MBNA AMERICA BANK, NATIO Marcie E. Copson-Hall NAL ASSOCIATION, Servicer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-E EX-20 22 mt220f00.txt CLASS A CUSI262TFL2Exhibit 20.22 CLASS B CUSIP 55262TFMO FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-F MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Collateral Minimum Monthly Interest$2.041667 ------------------ 5.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of the current monthly accumulation in respect of Class A Monthly Interest$ 1.370833 ------------------ 2.The amount of the current monthly accumulation in respect of Class A Deficiency Amounts$ 0.000000 ------------------ 3.The amount of the current monthly accumulation in respect of Class A Additional Interest$ 0.000000 ------------------ 4.The amount of the current monthly accumulation in respect of Class B Monthly Interest$ 1.558333 ------------------ 5.The amount of the current monthly accumulation in respect of Class B Deficiency Amounts$ 0.000000 ------------------ 6.The amount of the current monthly accumulation in respect of Class B Additional Interest$ 0.000000 ------------------ C. Information Regarding the Current Quarterly Interest Distribution 1.The total amount of distribution from the Interest Funding Account$3,469,279.11 ------------------ 2.The amount of the current quarterly interest distribution in respect of Class A$3,152,916.67 ------------------ 3.The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount$ 4.203889 ------------------ 4.The amount of the current quarterly interest distribution in respect of Class B$316,362.44 ------------------ 5.The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount$ 4.778889 ------------------ D.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $115,523,784.94 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $10,196,899.58 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $10,196,899.58 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-F as of the end of the day on the last day of the related Monthly Period $882,400,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-F as of the end of the day on the last day of the related Monthly Period $882,400,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$750,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $66,200,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $66,200,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $66,200,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$66,200,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.22% August 25, 2004 through August 31, 20041.20% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,981,241.92 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $3,383,875.22 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $298,683.35 ------------------ (d)The Collateral Default Amount for the related Monthly Period $298,683.35 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$781,250.01 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $68,958.33 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$68,958.33 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $551,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $66,200,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$66,200,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $66,200,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $66,200,000.00 ------------------ (g)The Class A Investor Interest as of the close of business on this Distribution Date $750,000,000.00 ------------------ (h)The Class A Adjusted Investor Interest as of the close of business on this Distribution Date $750,000,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Interest Funding Account (a)The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals)$3,469,279.11 ------------------ (b)The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date$1,028,125.00 ------------------ (c)The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date$103,161.66 ------------------ (d)The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date$3,100.51 ------------------ 10.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $10,549,531.57 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $930,899.12 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $930,899.12 ------------------ 11.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $11,018,281.57 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $972,274.12 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $972,274.12 ------------------ 12.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.66% - -------- E.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.52000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-F EX-20 23 mt220g00.txt CLASS A CUSI262TFN8Exhibit 20.23 CLASS B CUSIP 55262TFP3 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-G MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Collateral Minimum Monthly Interest$2.041667 ------------------ 5.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of the current monthly accumulation in respect of Class A Monthly Interest$ 1.441667 ------------------ 2.The amount of the current monthly accumulation in respect of Class A Deficiency Amounts$ 0.000000 ------------------ 3.The amount of the current monthly accumulation in respect of Class A Additional Interest$ 0.000000 ------------------ 4.The amount of the current monthly accumulation in respect of Class B Monthly Interest$ 1.666667 ------------------ 5.The amount of the current monthly accumulation in respect of Class B Deficiency Amounts$ 0.000000 ------------------ 6.The amount of the current monthly accumulation in respect of Class B Additional Interest$ 0.000000 ------------------ C. Information Regarding the Current Quarterly Interest Distribution 1.The total amount of distribution from the Interest Funding Account$ 0.00 ------------------ 2.The amount of the current quarterly interest distribution in respect of Class A$ 0.00 ------------------ 3.The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount$ 0.000000 ------------------ 4.The amount of the current quarterly interest distribution in respect of Class B$ 0.00 ------------------ 5.The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount$ 0.000000 ------------------ D.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-G as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-G as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$56,250,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 20041.02% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $253,790.57 ------------------ (d)The Collateral Default Amount for the related Monthly Period $253,790.57 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$56,250,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (g)The Class A Investor Interest as of the close of business on this Distribution Date $637,500,000.00 ------------------ (h)The Class A Adjusted Investor Interest as of the close of business on this Distribution Date $637,500,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Interest Funding Account (a)The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals)$2,093,145.83 ------------------ (b)The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date$919,062.50 ------------------ (c)The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date$93,750.00 ------------------ (d)The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date$1,431.72 ------------------ 10.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,965,899.34 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ 11.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,364,336.84 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ------------------ 12.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield for the related Monthly Period7.72% - -------- E.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-G EX-20 24 mt220h00.txt CLASS A CUSI262NAL0Exhibit 20.24 CLASS B CUSIP 55262NAM8 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-H MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$1.541667 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$1.833333 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$2.333333 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $91,648,874.98 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,086,664.56 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,086,664.56 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-H as of the end of the day on the last day of the related Monthly Period $700,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-H as of the end of the day on the last day of the related Monthly Period $700,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $595,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$595,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $52,500,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $52,500,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $52,500,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$52,500,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.97% August 25, 2004 through August 31, 20040.95% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,158,283.92 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,684,541.14 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $236,871.39 ------------------ (d)The Collateral Default Amount for the related Monthly Period $236,871.39 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$619,791.67 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $54,687.50 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$54,687.50 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $437,500.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $52,500,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$52,500,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $52,500,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $52,500,000.00 ------------------ (g)The Class A Investor Interest as of the close of business on this Distribution Date $595,000,000.00 ------------------ (h)The Class A Adjusted Investor Interest as of the close of business on this Distribution Date $595,000,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,366,836.65 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $738,250.24 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $738,250.24 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $8,738,711.65 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $771,062.74 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $771,062.74 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.62% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-H EX-20 25 mt220i00.txt CLASS A CUS262TFR9Exhibit 20.25 CLASS B CUSIP55262TFS7 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-I MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$5.750000 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$5.958333 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$6.375000 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $130,926,963.04 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $11,552,379.40 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $11,552,379.40 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-I as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-I as of the end of the day on the last day of the related Monthly Period $1,000,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $850,000,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$850,000,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $75,000,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$75,000,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $75,000,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$75,000,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.39% August 25, 2004 through August 31, 20041.36% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $4,511,833.62 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $3,835,058.82 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $338,387.40 ------------------ (d)The Collateral Default Amount for the related Monthly Period $338,387.40 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$885,416.67 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $78,125.00 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$78,125.00 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $625,000.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $75,000,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$75,000,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $75,000,000.00 ------------------ 8.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account, amounts, if any, withdrawn from the Swap Reserve Fund and the Net Swap Receipt, if any, allocated in respect of the Class A Certificates $16,148,436.05 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $1,101,518.33 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,101,518.33 ------------------ 9. Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ 10.Reserve Account (a)The Reserve Draw Amount on the related Transfer Date $ 0.00 ------------------ (b)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (c)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (d)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 11.Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date$ 0.00 ------------------ (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds$ 0.00 ------------------ 12. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date$3,664,562.50 ------------------ (b) The amount of the Net Swap Payment for the related Transfer Date$ 0.00 ------------------ 13.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $15,617,186.05 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,054,643.33 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,054,643.33 ------------------ 14.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield for the related Monthly Period6.97% - -------- C. Information Regarding the Status of the Interest Rate Swap and the Swap Counterparty 1.Has the Interest Reserve Account been established?No 2.Has the Interest Reserve Account been funded?No 3.The aggregate amount of funds withdrawn from the Interest Reserve Account, if any$0.00 ------------------ 4.How any funds withdrawn from the Interest Reserve Account were utilized N/A 5.Has the Interest Rate Swap been terminated?No MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-I EX-20 26 mt220k00.txt CLASS A CUSI262TFU2Exhibit 20.26 CLASS B CUSIP 55262TFV0 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-K MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Collateral Minimum Monthly Interest$2.000000 ------------------ 5.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the current Monthly Accumulation into the Interest Funding Account (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of the current monthly accumulation in respect of Class A Monthly Interest$ 1.425000 ------------------ 2.The amount of the current monthly accumulation in respect of Class A Deficiency Amounts$ 0.000000 ------------------ 3.The amount of the current monthly accumulation in respect of Class A Additional Interest$ 0.000000 ------------------ 4.The amount of the current monthly accumulation in respect of Class B Monthly Interest$ 1.645833 ------------------ 5.The amount of the current monthly accumulation in respect of Class B Deficiency Amounts$ 0.000000 ------------------ 6.The amount of the current monthly accumulation in respect of Class B Additional Interest$ 0.000000 ------------------ C. Information Regarding the Current Quarterly Interest Distribution 1.The total amount of distribution from the Interest Funding Account$ 0.00 ------------------ 2.The amount of the current quarterly interest distribution in respect of Class A$ 0.00 ------------------ 3.The amount of the current quarterly interest distribution in respect of Class A set forth in 2 above per $1,000 of original certificate principal amount$ 0.000000 ------------------ 4.The amount of the current quarterly interest distribution in respect of Class B$ 0.00 ------------------ 5.The amount of the current quarterly interest distribution in respect of Class B set forth in 4 above per $1,000 of original certificate principal amount$ 0.000000 ------------------ D.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-K as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-K as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$56,250,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 20041.02% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $253,790.57 ------------------ (d)The Collateral Default Amount for the related Monthly Period $253,790.57 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$56,250,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (g)The Class A Investor Interest as of the close of business on this Distribution Date $637,500,000.00 ------------------ (h)The Class A Adjusted Investor Interest as of the close of business on this Distribution Date $637,500,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Interest Funding Account (a)The aggregate amount on deposit in the Interest Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals)$2,068,765.63 ------------------ (b)The aggregate amount deposited into the Interest Funding Account with respect to the Class A Certificates on the related Transfer Date$908,437.50 ------------------ (c)The aggregate amount deposited into the Interest Funding Account with respect to the Class B Certificates on the related Transfer Date$92,578.13 ------------------ (d)The Interest Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date$1,415.83 ------------------ 10.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,965,883.45 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ 11.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,364,320.95 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ------------------ 12.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield for the related Monthly Period7.75% - -------- E.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-K EX-20 27 mt220l00.txt CLASS A CUSIP262TFW8Exhibit 20.27 CLASS B CUSIP 55262TFX6 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2000-L MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $5.416667 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.750000 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $2.311111 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $65,463,477.16 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $5,776,185.43 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $5,776,185.43 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2000-L as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2000-L as of the end of the day on the last day of the related Monthly Period $500,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $425,000,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $37,500,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $37,500,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 0.69% August 25, 2004 through August 31, 2004 0.68% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850 ---------- (k) The Class B Floating Allocation with respect to the related Monthly Period 0.075 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $2,255,916.83 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $1,917,529.37 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $169,193.73 ----------------- (d) The Collateral Default Amount for the related Monthly Period $169,193.73 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $442,708.33 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $39,062.50 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $312,500.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $37,500,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- 9. Reserve Account (a) The Reserve Draw Amount on the related Transfer Date $ 0.00 ----------------- (b) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (c) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Swap Reserve Fund (a) The Swap Reserve Draw Amount on the related Transfer Date $ 0.00 ----------------- (b) The amount of the Swap Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Fund $ 0.00 ----------------- 11. Swap Cash Flows (a) The amount of the Net Swap Receipt for the related Transfer Date $1,678,750.00 ----------------- (b) The amount of the Net Swap Payment for the related Transfer Date $ 0.00 ----------------- 12. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $7,655,061.40 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $ 527,321.31 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $527,321.31 ----------------- 13. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, allocated in respect of the Class A Certificates $7,920,686.40 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Class B Certificates $550,758.81 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $550,758.81 ----------------- 14. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% ------- (b) The Portfolio Adjusted Yield for the related Monthly Period 7.72% ------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 1.60000% ----------- Collateral Interest determination - 1.60000% ----------- D. Information Regarding the Status of the Interest Rate Swap and the Swap Counterparty 1.Has the Interest Reserve Account been established?No 2.Has the Interest Reserve Account been funded?No 3.The aggregate amount of funds withdrawn from the Interest Reserve Account, if any$0.00 ------------------ 4.How any funds withdrawn from the Interest Reserve Account were utilizedN/A 5.Has the Interest Rate Swap been terminated?No MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2000-L EX-20 28 mt220m01.txt CLASS A CUSIP262TFY4Exhibit 20.28 CLASS B CUSIP 55262TFZ1 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2001-A MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1. The amount of distribution in respect of Class A Monthly Principal $0.000000 ----------------- 2. The amount of distribution in respect of Class B Monthly Principal $0.000000 ----------------- 3. The amount of distribution in respect of Collateral Monthly Principal $0.000000 ----------------- 4. The amount of distribution in respect of Class A Monthly Interest $1.458333 ----------------- 5. The amount of distribution in respect of Class A Deficiency Amounts $0.000000 ----------------- 6. The amount of distribution in respect of Class A Additional Interest $0.000000 ----------------- 7. The amount of distribution in respect of Class B Monthly Interest $1.708333 ----------------- 8. The amount of distribution in respect of Class B Deficiency Amount $ 0.000000 ----------------- 9. The amount of distribution in respect of Class B Additional Interest $0.000000 ----------------- 10. The amount of distribution in respect of Collateral Monthly Interest $2.266667 ----------------- 11. The amount of distribution in respect of any accrued and unpaid Collateral Monthly Interest $0.000000 ----------------- B. Information Regarding the Performance of the Trust 1. Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $163,658,694.66 ----------------- (b) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $14,440,472.19 ----------------- (c) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $14,440,472.19 ----------------- 2. Principal Receivables in the Trust (a) The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ----------------- (b) The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2001-A as of the end of the day on the last day of the related Monthly Period $1,250,000,000.00 ----------------- (c) The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2001-A as of the end of the day on the last day of the related Monthly Period $1,250,000,000.00 ----------------- (d) The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $1,062,500,000.00 ----------------- (e) The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period $1,062,500,000.00 ----------------- (f) The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $93,750,000.00 ----------------- (g) The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $93,750,000.00 ----------------- (h) The amount of Principal Receivables in the Trust represented by the Collateral Interest as of the end of the day on the last day of the related Monthly period $93,750,000.00 ----------------- (i) The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.73% August 25, 2004 through August 31, 2004 1.69% (j) The Class A Floating Allocation with respect to the related Monthly Period 0.850 ---------- (k) The Class B Floating Allocation with respect to the related Monthly Period 0.075 ---------- (l) The Collateral Floating Allocation with respect to the related Monthly Period 0.075 ---------- (m) The Fixed Investor Percentage with respect to the related Monthly Period N/A ---------- (n) The Class A Fixed Allocation with respect to the related Monthly Period N/A ---------- (o) The Class B Fixed Allocation with respect to the related Monthly Period N/A ---------- (p) The Collateral Fixed Allocation with respect to the related Monthly Period N/A ---------- 3. Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: Percentage Aggregate of Total Account Receivables Balance (a) 30 - 59 days: 1.48% 1,106,594,941.26 ------- ----------------- (b) 60 - 89 days: 1.00% 750,696,581.55 ------- ----------------- (c) 90 - 119 days: 0.79% 592,940,951.04 ------- ----------------- (d) 120 - 149 days: 0.72% 540,764,444.64 ------- ----------------- (e) 150 or more days: 0.69% 519,470,329.22 ------- ----------------- Total 4.68% 3,510,467,247.71 ------- ----------------- 4. Investor Default Amount (a) The Aggregate Investor Default Amount for the related Monthly Period $5,639,791.74 ----------------- (b) The Class A Investor Default Amount for the related Monthly Period $4,793,823.16 ----------------- (c) The Class B Investor Default Amount for the related Monthly Period $422,984.29 ----------------- (d) The Collateral Default Amount for the related Monthly Period $422,984.29 ----------------- 5. Investor Charge Offs (a) The aggregate amount of Class A Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (b) The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (c) The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ----------------- (d) The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (e) The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ----------------- (f) The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ----------------- (g) The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (h) The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (i) The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately pre- ceding this Distribution Date $ 0.00 ----------------- (j) The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distri- bution Date $ 0.00 ----------------- (k) The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- (l) The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ----------------- 6. Investor Servicing Fee (a) The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $1,106,770.83 ----------------- (b) The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $97,656.25 ----------------- (c) The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $97,656.25 ----------------- (d) The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $781,250.00 ----------------- 7. Reallocations (a) The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (b) The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ----------------- (c) The Collateral Interest as of the close of business on this Distribution Date $93,750,000.00 ----------------- (d) The Class B Investor Interest as of the close of business on this Distribution Date $93,750,000.00 ----------------- (e) The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $93,750,000.00 ----------------- 8. Principal Funding Account (a) The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ----------------- (b) The Accumulation Shortfall with respect to the related Monthly Period $ 0.00 ----------------- (c) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ----------------- (d) The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ----------------- 9. Reserve Account (a) The Reserve Draw Amount on the related Transfer Date $ 0.00 ----------------- (b) The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ----------------- (1) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ----------------- (2) The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ----------------- (c) Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ----------------- 10. Available Funds (a) The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $14,940,778.76 ----------------- (b) The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $ 1,318,303.91 ----------------- (c) The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $1,318,303.91 ----------------- 11. Collection of Finance Charge Receivables (a) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account, allocated in respect of the Class A Certificates $15,604,841.26 ----------------- (b) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account which were allocated in respect of the Class B Certificates $1,376,897.66 ----------------- (c) The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $1,376,897.66 ----------------- 12. Portfolio Yield (a) The Portfolio Yield for the related Monthly Period 12.21% ------- (b) The Portfolio Adjusted Yield for the related Monthly Period 7.73% ------- C. Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination - 1.60000% ----------- Collateral Interest determination - 1.60000% ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice President 2001-A EX-20 29 mt220n01.txt CLASS A CUSI262TGA5Exhibit 20.29 CLASS B CUSIP 55262TGB3 FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT SERIES 2001-B MBNA AMERICA BANK, NATIONAL ASSOCIATION MBNA MASTER CREDIT CARD TRUST II ____________________________________________ MONTHLY PERIOD ENDING AUGUST 31, 2004 ____________________________________________ The information which is required to be prepared with respect to the Distribution Date of September 15, 2004, and with respect to the performance of the trust during the month of August, 2004 is set forth below. Capitalized terms used in this statement have their respective meanings set forth in the Pooling and Servicing Agreement. A. Information Regarding the Current Monthly Distribution to Certificateholders (Stated on the Basis of $1,000 Original Certificate Principal Amount). 1.The amount of distribution in respect of Class A Monthly Principal$0.000000 ------------------ 2.The amount of distribution in respect of Class B Monthly Principal$0.000000 ------------------ 3.The amount of distribution in respect of Collateral Monthly Principal$0.000000 ------------------ 4.The amount of distribution in respect of Class A Monthly Interest$1.550000 ------------------ 5.The amount of distribution in respect of Class A Deficiency Amounts$0.000000 ------------------ 6.The amount of distribution in respect of Class A Additional Interest$0.000000 ------------------ 7.The amount of distribution in respect of Class B Monthly Interest$1.833333 ------------------ 8.The amount of distribution in respect of Class B Deficiency Amount$ 0.000000 ------------------ 9.The amount of distribution in respect of Class B Additional Interest$0.000000 ------------------ 10.The amount of distribution in respect of Collateral Minimum Monthly Interest$6.041667 ------------------ 11.The amount of distribution in respect of any accrued and unpaid Collateral Minimum Monthly Interest$0.000000 ------------------ B.Information Regarding the Performance of the Trust 1.Collection of Principal Receivables (a) The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class A Certificates $98,195,220.08 ------------------ (b)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Class B Certificates $8,664,286.80 ------------------ (c)The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period which were allocated in respect of the Collateral Interest $8,664,286.80 ------------------ 2.Principal Receivables in the Trust (a)The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period $73,486,400,087.26 ------------------ (b)The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2001-B as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (c)The amount of Principal Receivables in the Trust represented by the Adjusted Investor Interest of Series 2001-B as of the end of the day on the last day of the related Monthly Period $750,000,000.00 ------------------ (d)The amount of Principal Receivables in the Trust represented by the Class A Investor Interest as of the end of the day on the last day of the related Monthly Period $637,500,000.00 ------------------ (e)The amount of Principal Receivables in the Trust represented by the Class A Adjusted Investor Interest as of the end of the day on the last day of the related Monthly Period$637,500,000.00 ------------------ (f)The amount of Principal Receivables in the Trust represented by the Class B Investor Interest as of the end of the day on the last day of the related Monthly Period $56,250,000.00 ------------------ (g)The amount of Principal Receivables in the Trust represented by the Class B Adjusted Interest as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (h)The amount of Principal Receivables in the Trust represented by the Collateral Interest Amount as of the end of the day on the last day of the related Monthly period $56,250,000.00 ------------------ (i)The amount of Principal Receivables in the Trust represented by the Collateral Interest Adjusted Amount as of the end of the day on the last day of the related Monthly period$56,250,000.00 ------------------ (j)The Floating Investor Percentage with respect to the period: August 1, 2004 through August 24, 2004 1.04% August 25, 2004 through August 31, 20041.02% (k)The Class A Floating Allocation with respect to the related Monthly Period0.850 - ---------- (l)The Class B Floating Allocation with respect to the related Monthly Period0.075 - ---------- (m)The Collateral Floating Allocation with respect to the related Monthly Period0.075 - ---------- (n)The Fixed Investor Percentage with respect to the related Monthly PeriodN/A - ---------- (o)The Class A Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (p)The Class B Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- (q)The Collateral Fixed Allocation with respect to the related Monthly PeriodN/A - ---------- 3.Delinquent Balances The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period: PercentageAggregate of TotalAccount ReceivablesBalance (a) 30 - 59 days:1.48%1,106,594,941.26 - ------------------------ (b) 60 - 89 days:1.00%750,696,581.55 - ------------------------ (c) 90 - 119 days:0.79%592,940,951.04 - ------------------------ (d)120 - 149 days:0.72%540,764,444.64 - ------------------------ (e)150 or more days:0.69%519,470,329.22 - ------------------------ Total4.68%3,510,467,247.71 - ------------------------ 4.Investor Default Amount (a)The Aggregate Investor Default Amount for the related Monthly Period $3,383,875.23 ------------------ (b)The Class A Investor Default Amount for the related Monthly Period $2,876,294.09 ------------------ (c)The Class B Investor Default Amount for the related Monthly Period $253,790.57 ------------------ (d)The Collateral Default Amount for the related Monthly Period $253,790.57 ------------------ 5.Investor Charge Offs (a)The aggregate amount of Class A Investor Charge Offs for the related Monthly Period$ 0.00 ------------------ (b)The aggregate amount of Class A Investor Charge Offs set forth in 5 (a) above per $1,000 of original certificate principal amount$ 0.00 ------------------ (c)The aggregate amount of Class B Investor Charge Offs for the related Monthly Period $ 0.00 ------------------ (d)The aggregate amount of Class B Investor Charge Offs set forth in 5 (c) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (e)The aggregate amount of Collateral Charge Offs for the related Monthly Period $ 0.00 ------------------ (f)The aggregate amount of Collateral Charge Offs set forth in 5 (e) above per $1,000 of original certificate principal amount $ 0.00 ------------------ (g)The aggregate amount of Class A Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ (h)The aggregate amount of Class A Investor Charge Offs set forth in 5 (g) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (i)The aggregate amount of Class B Investor Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (j)The aggregate amount of Class B Investor Charge Offs set forth in 5 (i) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (k)The aggregate amount of Collateral Charge Offs reimbursed on the Transfer Date immediately preceding this Distribution Date $ 0.00 ------------------ (l)The aggregate amount of Collateral Charge Offs set forth in 5 (k) above per $1,000 original certificate principal amount reimbursed on the Transfer Date immediately preceding this Distribution Date$ 0.00 ------------------ 6.Investor Servicing Fee (a)The amount of the Class A Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$664,062.50 ------------------ (b)The amount of the Class B Servicing Fee payable by the Trust to the Servicer for the related Monthly Period $58,593.75 ------------------ (c)The amount of the Collateral Servicing Fee payable by the Trust to the Servicer for the related Monthly Period$58,593.75 ------------------ (d)The amount of Servicer Interchange payable by the Trust to the Servicer for the related Monthly Period $468,750.00 ------------------ 7.Reallocations (a)The amount of Reallocated Collateral Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (b)The amount of Reallocated Class B Principal Collections with respect to this Distribution Date $ 0.00 ------------------ (c)The Collateral Interest Amount as of the close of business on this Distribution Date $56,250,000.00 ------------------ (d)The Collateral Interest Adjusted Amount as of the close of business on the Distribution Date$56,250,000.00 - ------------------ (e)The Class B Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ (f)The Class B Adjusted Investor Interest as of the close of business on this Distribution Date $56,250,000.00 ------------------ 8.Principal Funding Account (a)The principal amount on deposit in the Principal Funding Account on the related Transfer Date (after taking into account deposits on such date but prior to withdrawals) $ 0.00 ------------------ (b)The Accumulation Shortfall with respect to the related Monthly Period$ 0.00 ------------------ (c)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds $ 0.00 ------------------ (d)The Principal Funding Investment Proceeds deposited in the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds $ 0.00 ------------------ (e)The amount of all or a portion of the Reserve Draw Amount deposited in the Finance Charge Account on the related Transfer Date from the Reserve Account $ 0.00 ------------------ (1)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class A Available Funds $ 0.00 ------------------ (2)The Reserve Draw Amount deposited in the Finance Charge Account to be treated as Class B Available Funds $ 0.00 ------------------ (f)Interest Earnings on funds on deposit in the Reserve Account deposited in the Finance Charge Account on the related Transfer Date $ 0.00 ------------------ 9.Available Funds (a)The amount of Class A Available Funds on deposit in the Finance Charge Account on the related Transfer Date $8,964,467.62 ------------------ (b)The amount of Class B Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ (c)The amount of Collateral Available Funds on deposit in the Finance Charge Account on the related Transfer Date $790,982.58 ------------------ 10.Collection of Finance Charge Receivables (a)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and allocated in respect of the Class A Certificates $9,362,905.12 ------------------ (b)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period, any Principal Funding Investment Proceeds and amounts if any withdrawn from the Reserve Account and which were allocated in respect of the Class B Certificates $826,138.83 ------------------ (c)The aggregate amount of Collections of Finance Charge Receivables and Annual Membership Fees processed during the related Monthly Period which were allocated in respect of the Collateral Interest $826,138.83 ------------------ 11.Portfolio Yield (a)The Portfolio Yield for the related Monthly Period 12.21% - -------- (b)The Portfolio Adjusted Yield 7.26% - -------- C.Floating Rate Determinations LIBOR rates for the related Interest Period: Class A and Class B determination -1.60000% - ----------- MBNA AMERICA BANK, NATIONAL ASSOCIATION, Servi Marcie E. Copson-Hall cer Name: Marcie E. Copson-Hall Title: Executive Vice Presiden 2001-B -----END PRIVACY-ENHANCED MESSAGE-----