EXHIBIT C
         SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

        MBNAseries
         MBNA CREDIT CARD MASTER NOTE TRUST


        MONTHLY PERIOD ENDING July 31, 2004

           Reference is made to the 2001-D Supplement (the "Series 2001-D" Supplement), dated as of May
        24, 2001, between MBNA America Bank, National Association, a national banking association (the
        "Bank"), as Seller and Servicer, and The Bank of New York, as Trustee, the Indenture (the
        "Indenture"), dated as of May 24, 2001 and the Indenture Supplement (the "Indenture Supplement"),
        dated as of May 24, 2001 , each between MBNA Credit Card Master Note Trust, as Issuer, and "The
        Bank of New York, as Indenture Trustee.  Terms used herein and not defined herein have the
        meanings ascribed to them in the 2001-D Supplement, the Indenture and the Indenture Supplement, as
        applicable.




           The following computations are prepared with respect to the Transfer Date of August 13, 2004 and
        with respect to the performance of the Trust during the related Monthly Period.



     A. Targeted deposits to Interest Funding sub-Accounts:


                         Targeted Deposit to     Actual Deposit to       Shortfall from     Interest Funding        Interest Funding
                          Interest Funding        Interest Funding      earlier Monthly    sub-account Balance     sub-Account
                          sub-Account              for sub-Account      Periods prior to   Withdrawals*   Earnings

                                applicable Monthly      applicable Monthly
                                Period                  Period


        Class A:
        Class A(2001-1)         $4,791,666.67   $4,791,666.67   $0.00   $4,791,666.67   $0.00
        Class A(2001-2)         $724,444.44     $724,444.44     $0.00   $724,444.44     $0.00
        Class A(2001-3)         $1,520,000.00   $1,520,000.00   $0.00   $1,520,000.00   $0.00
        Class A(2001-Emerald)   $5,578,674.34   $5,578,674.34   $0.00   $122,085,517.45 $98,226.89
        Class A(2001-4)         $1,342,222.22   $1,342,222.22   $0.00   $1,342,222.22   $0.00
        Class A(2001-5)         $706,666.67     $706,666.67     $0.00   $706,666.67     $0.00
        Class A(2002-1)         $4,125,000.00   $4,125,000.00   $0.00   $4,125,000.00   $0.00
        Class A(2002-2)         $847,903.87     $847,903.87     $0.00   $2,571,975.06   $1,796.89
        Class A(2002-3)         $1,080,000.00   $1,080,000.00   $0.00   $1,080,000.00   $0.00
        Class A(2002-4)         $1,324,444.44   $1,324,444.44   $0.00   $1,324,444.44   $0.00
        Class A(2002-5)         $1,040,000.00   $1,040,000.00   $0.00   $1,040,000.00   $0.00
        Class A(2002-6)         $2,437,500.00   $2,437,500.00   $0.00   $2,437,500.00   $0.00
        Class A(2002-7)         $750,267.38     $750,267.38     $0.00   $750,267.38     $0.00
        Class A(2002-8)         $622,222.22     $622,222.22     $0.00   $622,222.22     $0.00
        Class A(2002-9)         $1,051,555.56   $1,051,555.56   $0.00   $1,051,555.56   $0.00
        Class A(2002-10)        $1,351,111.11   $1,351,111.11   $0.00   $1,351,111.11   $0.00
        Class A(2002-11)        $790,581.46     $790,581.46     $0.00   $790,581.46     $0.00
        Class A(2002-12)        $1,920,000.00   $1,920,000.00   $0.00   $1,920,000.00   $0.00
        Class A(2002-13)        $671,111.11     $671,111.11     $0.00   $671,111.11     $0.00
        Class A(2003-1)         $1,375,000.00   $1,375,000.00   $0.00   $1,375,000.00   $0.00
        Class A(2003-2)         $1,271,111.11   $1,271,111.11   $0.00   $1,271,111.11   $0.00
        Class A(2003-3)         $1,000,000.00   $1,000,000.00   $0.00   $1,000,000.00   $0.00
        Class A(2003-4)         $1,066,666.67   $1,066,666.67   $0.00   $1,066,666.67   $0.00
        Class A(2003-5)         $877,805.25     $877,805.25     $0.00   $877,805.25     $0.00
        Class A(2003-6)         $1,145,833.33   $1,145,833.33   $0.00   $1,145,833.33   $0.00
        Class A(2003-7)         $1,435,416.67   $1,435,416.67   $0.00   $1,435,416.67   $0.00
        Class A(2003-8)         $1,046,666.67   $1,046,666.67   $0.00   $1,046,666.67   $0.00
        Class A(2003-9)         $1,409,333.33   $1,409,333.33   $0.00   $1,409,333.33   $0.00
        Class A(2003-10)        $728,888.89     $728,888.89     $0.00   $728,888.89     $0.00
        Class A(2003-11)        $1,520,833.33   $1,520,833.33   $0.00   $1,520,833.33   $0.00
        Class A(2003-12)        $662,222.22     $662,222.22     $0.00   $662,222.22     $0.00
        Class A(2004-2)         $816,000.00     $816,000.00     $0.00   $816,000.00     $0.00
        Class A(2004-1)         $1,150,217.28   $1,150,217.28   $0.00   $1,150,217.28   $0.00
        Class A(2004-3)         $1,020,444.44   $1,020,444.44   $0.00   $1,020,444.44   $0.00
        Class A(2004-4)         $3,037,500.00   $3,037,500.00   $0.00   $3,037,500.00   $0.00
        Class A(2004-5)         $1,210,183.00   $1,210,183.00   $0.00   $3,428,851.83   $2,312.51
        Class A(2004-6)         $675,555.56     $675,555.56     $0.00   $675,555.56     $0.00
        Class A(2004-7)         $156,188.00     $156,188.00     $0.00   $156,188.00     $0.00
        Class A Total:          $54,281,237.24  $54,281,237.24  $0.00   $174,730,820.37 $102,336.29
        Class B:
        Class B(2001-1)         $390,000.00     $390,000.00     $0.00   $390,000.00     $0.00
        Class B(2001-2)         $386,666.67     $386,666.67     $0.00   $386,666.67     $0.00
        Class B(2001-3)         $250,666.67     $250,666.67     $0.00   $250,666.67     $0.00
        Class B(2002-1)         $1,072,916.67   $1,072,916.67   $0.00   $1,072,916.67   $0.00
        Class B(2002-2)         $391,111.11     $391,111.11     $0.00   $391,111.11     $0.00
        Class B(2002-3)         $395,555.56     $395,555.56     $0.00   $395,555.56     $0.00
        Class B(2002-4)         $334,222.22     $334,222.22     $0.00   $334,222.22     $0.00
        Class B(2003-1)         $323,555.56     $323,555.56     $0.00   $323,555.56     $0.00
        Class B(2003-2)         $314,666.67     $314,666.67     $0.00   $314,666.67     $0.00
        Class B(2003-3)         $312,000.00     $312,000.00     $0.00   $312,000.00     $0.00
        Class B(2003-5)         $233,333.33     $233,333.33     $0.00   $233,333.33     $0.00
        Class B(2003-4)         $628,587.30     $628,587.30     $0.00   $1,299,080.42   $698.96
        Class B(2004-1)         $1,297,916.67   $1,297,916.67   $0.00   $1,297,916.67   $0.00
        Class B Total:          $6,331,198.43   $6,331,198.43   $0.00   $7,001,691.55   $698.96
        Class C:
        Class C(2001-1)         $540,000.00     $540,000.00     $0.00   $540,000.00     $0.00
        Class C(2001-2)         $224,888.89     $224,888.89     $0.00   $224,888.89     $0.00
        Class C(2001-3)         $2,183,333.33   $2,183,333.33   $0.00   $2,183,333.33   $0.00
        Class C(2001-4)         $540,000.00     $540,000.00     $0.00   $540,000.00     $0.00
        Class C(2001-5)         $346,666.67     $346,666.67     $0.00   $346,666.67     $0.00
        Class C(2002-1)         $1,416,666.67   $1,416,666.67   $0.00   $1,416,666.67   $0.00
        Class C(2002-2)         $207,111.11     $207,111.11     $0.00   $207,111.11     $0.00
        Class C(2002-3)         $485,333.33     $485,333.33     $0.00   $485,333.33     $0.00
        Class C(2002-4)         $229,333.33     $229,333.33     $0.00   $229,333.33     $0.00
        Class C(2002-5)         $337,500.00     $337,500.00     $0.00   $337,500.00     $0.00
        Class C(2002-6)         $150,222.22     $150,222.22     $0.00   $150,222.22     $0.00
        Class C(2002-7)         $279,166.67     $279,166.67     $0.00   $279,166.67     $0.00
        Class C(2003-1)         $547,555.56     $547,555.56     $0.00   $547,555.56     $0.00
        Class C(2003-2)         $264,888.89     $264,888.89     $0.00   $264,888.89     $0.00
        Class C(2003-3)         $424,666.67     $424,666.67     $0.00   $424,666.67     $0.00
        Class C(2003-4)         $859,361.85     $859,361.85     $0.00   $2,606,730.94   $1,821.88
        Class C(2003-5)         $227,555.56     $227,555.56     $0.00   $227,555.56     $0.00
        Class C(2003-6)         $568,888.89     $568,888.89     $0.00   $568,888.89     $0.00
        Class C(2003-7)         $242,666.67     $242,666.67     $0.00   $242,666.67     $0.00
        Class C(2004-1)         $384,000.00     $384,000.00     $0.00   $384,000.00     $0.00
        Class C(2004-2)         $799,027.78     $799,027.78     $0.00   $799,027.78     $0.00
        Class C Total:          $11,258,834.09  $11,258,834.09  $0.00   $13,006,203.18  $1,821.88
        Total:                  $71,871,269.76  $71,871,269.76  $0.00   $194,738,715.10 $104,857.13

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



       B.

                                                                                     Amount of interest to be
                                                                                        paid on corresponding
                                                                                        Interest Payment Date
                                CUSIP
                                Interest Payment Date           Interest Rate
                                Number

        Class A
        Class A(2001-1)         55264TAC5       August 16, 2004 5.7500000%      $4,791,666.67
        Class A(2001-2)         55264TAE1       August 16, 2004 1.6300000%      $724,444.44
        Class A(2001-4)         55264TAL5       August 16, 2004 1.5100000%      $1,342,222.22
        Class A(2001-5)         55264TAM3       August 16, 2004 1.5900000%      $706,666.67
        Class A(2002-1)         55264TAQ4       August 16, 2004 4.9500000%      $4,125,000.00
        Class A(2002-2)         014467025       August 16, 2004 1.5506300%      $2,571,975.06
        Class A(2002-3)         55264TAT8       August 16, 2004 1.6200000%      $1,080,000.00
        Class A(2002-4)         55264TAU5       August 16, 2004 1.4900000%      $1,324,444.44
        Class A(2002-5)         55264TAV3       August 16, 2004 1.5600000%      $1,040,000.00
        Class A(2002-6)         55264TAZ4       August 16, 2004 3.9000000%      $2,437,500.00
        Class A(2002-10)        55264TBF7       August 16, 2004 1.5200000%      $1,351,111.11
        Class A(2002-12)        55264TBK6       August 16, 2004 1.4400000%      $1,920,000.00
        Class A(2002-13)        55264TBL4       August 16, 2004 1.5100000%      $671,111.11
        Class A(2003-1)         55264TBQ3       August 16, 2004 3.3000000%      $1,375,000.00
        Class A(2003-2)         55264TBR1       August 16, 2004 1.4300000%      $1,271,111.11
        Class A(2003-3)         55264TBS9       August 16, 2004 1.5000000%      $1,000,000.00
        Class A(2003-4)         55264TBT7       August 16, 2004 1.6000000%      $1,066,666.67
        Class A(2003-6)         55264TBV2       August 16, 2004 2.7500000%      $1,145,833.33
        Class A(2003-7)         55264TBY6       August 16, 2004 2.6500000%      $1,435,416.67
        Class A(2003-8)         55264TCA7       August 16, 2004 1.5700000%      $1,046,666.67
        Class A(2003-9)         55264TCC3       August 16, 2004 1.5100000%      $1,409,333.33
        Class A(2003-10)        55264TCF6       August 16, 2004 1.6400000%      $728,888.89
        Class A(2003-11)        55264TCH2       August 16, 2004 3.6500000%      $1,520,833.33
        Class A(2003-12)        55264TCJ8       August 16, 2004 1.4900000%      $662,222.22
        Class A(2004-2)         55264TCK5       August 16, 2004 1.5300000%      $816,000.00
        Class A(2004-3)         55264TCL3       August 16, 2004 1.6400000%      $1,020,444.44
        Class A(2004-4)         55264TCP4       August 16, 2004 2.7000000%      $3,037,500.00
        Class A(2004-5)         019227766       August 16, 2004 1.4304200%      $3,428,851.83
        Class A(2004-6)         55264TCQ2       August 16, 2004 1.5200000%      $675,555.56
        Total Class A                                                           $45,726,465.77
        Class B
        Class B(2001-1)         55264TAA9       August 16, 2004 1.7550000%      $390,000.00
        Class B(2001-2)         55264TAJ0       August 16, 2004 1.7400000%      $386,666.67
        Class B(2001-3)         55264TAP6       August 16, 2004 1.8800000%      $250,666.67
        Class B(2002-1)         55264TAR2       August 16, 2004 5.1500000%      $1,072,916.67
        Class B(2002-2)         55264TAX9       August 16, 2004 1.7600000%      $391,111.11
        Class B(2002-3)         55264TBC4       August 16, 2004 1.7800000%      $395,555.56
        Class B(2002-4)         55264TBG5       August 16, 2004 1.8800000%      $334,222.22
        Class B(2003-1)         55264TBP5       August 16, 2004 1.8200000%      $323,555.56
        Class B(2003-2)         55264TBW0       August 16, 2004 1.7700000%      $314,666.67
        Class B(2003-3)         55264TCB5       August 16, 2004 1.7550000%      $312,000.00
        Class B(2003-5)         55264TCE9       August 16, 2004 1.7500000%      $233,333.33
        Class B(2004-1)         55264TCN9       August 16, 2004 4.4500000%      $1,297,916.67
        Total Class B                                                           $5,702,611.13
        Class C
        Class C(2001-1)         55264TAB7       August 16, 2004 2.4300000%      $540,000.00
        Class C(2001-2)         55264TAD3       August 16, 2004 2.5300000%      $224,888.89
        Class C(2001-3)         55264TAF8       August 16, 2004 6.5500000%      $2,183,333.33
        Class C(2001-4)         55264TAK7       August 16, 2004 2.4300000%      $540,000.00
        Class C(2001-5)         55264TAN1       August 16, 2004 2.6000000%      $346,666.67
        Class C(2002-1)         55264TAS0       August 16, 2004 6.8000000%      $1,416,666.67
        Class C(2002-2)         55264TAW1       August 16, 2004 2.3300000%      $207,111.11
        Class C(2002-3)         55264TAY7       August 16, 2004 2.7300000%      $485,333.33
        Class C(2002-4)         55264TBD2       August 16, 2004 2.5800000%      $229,333.33
        Class C(2002-5)         55264TBE0       August 16, 2004 4.0500000%      $337,500.00
        Class C(2002-6)         55264TBH3       August 16, 2004 3.3800000%      $150,222.22
        Class C(2002-7)         55264TBJ9       August 16, 2004 6.7000000%      $279,166.67
        Class C(2003-1)         5264TBM2       August 16, 2004 3.0800000%      $547,555.56
        Class C(2003-2)         55264TBN0       August 16, 2004 2.9800000%      $264,888.89
        Class C(2003-3)         55264TBU4       August 16, 2004 2.7300000%      $424,666.67
        Class C(2003-4)         016994588       August 16, 2004 3.1482300%      $2,606,730.94
        Class C(2003-5)         55264TBX8       August 16, 2004 2.5600000%      $227,555.56
        Class C(2003-6)         55264TBZ3       August 16, 2004 2.5600000%      $568,888.89
        Class C(2003-7)         55264TCG4       August 16, 2004 2.7300000%      $242,666.67
        Class C(2004-1)         55264TCM1       August 16, 2004 2.1600000%      $384,000.00
        Class C(2004-2)         55264TCR0       August 16, 2004 2.2739100%      $799,027.78
        Total Class C                                                           $13,006,203.18


        *  For Interest Payment information on the Emerald Note program, refer to Exhibit B to the Class A(2001-Emerald) Terms Document.



  C. Targeted deposits to Class C Reserve sub-Accounts:
        Targeted Deposit to     Actual Deposit to       Class C Reserve         Class C Reserve
        Class C Reserve         Class C Reserve         sub-Account Balance on  sub-Account
        sub-Account for         sub-Account for         Transfer Date prior to  Earnings
        applicable Monthly      applicable              withdrawals
        Period                  Monthly Period


        NOTHING TO REPORT



     D. Withdrawals to be made from the C Reserve sub-Accounts on the corresponding Transfer Date:

        Withdrawals for Withdrawals for Class C Reserve
        Interest
        Principal
        sub-Account Balance on
        Transfer Date after
        withdrawal



        NOTHING TO REPORT


        E. Targeted deposits to Principal Funding sub-Accounts:

         Targeted Deposit to    Actual Deposit to       Shortfall from          Principal Funding       Principal Funding
        Principal Funding       Principal Funding       earlier Monthly         sub-Account             sub-Account
        sub-Account             for sub-Account         Periods                 Balance on              Earnings
        applicable Monthly      applicable Monthly                              Transfer Date
        Period                  Period




        NOTHING TO REPORT





           F. Principal to be paid on the corresponding Principal Payment Date:

        CUSIP Number    Principal       Amount of principal
                        Payment Date
                        to be paid on
                                        corresponding
                                        Principal Payment
                                        Date



        NOTHING TO REPORT




             G.      Stated Principal Amount, Outstanding Dollar Principal Amount and Nominal Liquidation Amount for the related Monthly Period (as of
        the end of the prior Monthly Period):

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

        Class A
        Class A(2001-1)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2001-2)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2001-3)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2001-Emerald)   $4,500,000,000.00       $4,500,000,000.00       $4,500,000,000.00       $4,500,000,000.00
        Class A(2001-4)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2001-5)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2002-1)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-2)         $656,175,000.00         $656,175,000.00         $656,175,000.00         $656,175,000.00
        Class A(2002-3)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2002-4)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-5)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2002-6)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2002-7)         $497,250,000.00         $497,250,000.00         $497,250,000.00         $497,250,000.00
        Class A(2002-8)         $400,000,000.00         $400,000,000.00         $400,000,000.00         $400,000,000.00
        Class A(2002-9)         $700,000,000.00         $700,000,000.00         $700,000,000.00         $700,000,000.00
        Class A(2002-10)        $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-11)        $490,600,000.00         $490,600,000.00         $490,600,000.00         $490,600,000.00
        Class A(2002-12)        $1,500,000,000.00       $1,500,000,000.00       $1,500,000,000.00       $1,500,000,000.00
        Class A(2002-13)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-1)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-2)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2003-3)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-4)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-5)         $548,200,000.00         $548,200,000.00         $548,200,000.00         $548,200,000.00
        Class A(2003-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-7)         $650,000,000.00         $650,000,000.00         $650,000,000.00         $650,000,000.00
        Class A(2003-8)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-9)         $1,050,000,000.00       $1,050,000,000.00       $1,050,000,000.00       $1,050,000,000.00
        Class A(2003-10)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-11)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-12)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-2)         $600,000,000.00         $600,000,000.00         $600,000,000.00         $600,000,000.00
        Class A(2004-1)         $752,760,000.00         $752,760,000.00         $752,760,000.00         $752,760,000.00
        Class A(2004-3)         $700,000,000.00         $700,000,000.00         $700,000,000.00         $700,000,000.00
        Class A(2004-4)         $1,350,000,000.00       $1,350,000,000.00       $1,350,000,000.00       $1,350,000,000.00
        Class A(2004-5)         $1,015,240,000.00       $1,015,240,000.00       $1,015,240,000.00       $1,015,240,000.00
        Class A(2004-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-7)         $900,000,000.00         $900,000,000.00         $900,000,000.00         $900,000,000.00
        Total Class A:          $32,310,225,000.00      $32,310,225,000.00      $32,310,225,000.00      $32,310,225,000.00
        Class B
        Class B(2001-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2001-2)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2001-3)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class B(2002-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2002-2)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2002-3)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2002-4)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-2)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-3)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-5)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class B(2003-4)         $331,650,000.00         $331,650,000.00         $331,650,000.00         $331,650,000.00
        Class B(2004-1)         $350,000,000.00         $350,000,000.00         $350,000,000.00         $350,000,000.00
        Total Class B:          $3,031,650,000.00       $3,031,650,000.00       $3,031,650,000.00       $3,031,650,000.00
        Class C
        Class C(2001-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2001-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2001-3)         $400,000,000.00         $400,000,000.00         $400,000,000.00         $400,000,000.00
        Class C(2001-4)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2001-5)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class C(2002-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2002-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2002-3)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2002-4)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2002-5)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2002-6)         $50,000,000.00          $50,000,000.00          $50,000,000.00          $50,000,000.00
        Class C(2002-7)         $50,000,000.00          $50,000,000.00          $50,000,000.00          $50,000,000.00
        Class C(2003-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2003-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2003-3)         $175,000,000.00         $175,000,000.00         $175,000,000.00         $175,000,000.00
        Class C(2003-4)         $327,560,000.00         $327,560,000.00         $327,560,000.00         $327,560,000.00
        Class C(2003-5)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2003-6)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2003-7)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2004-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2004-2)         $275,000,000.00         $275,000,000.00         $275,000,000.00         $275,000,000.00
        Total Class C:          $3,727,560,000.00       $3,727,560,000.00       $3,727,560,000.00       $3,727,560,000.00
        Total:                  $39,069,435,000.00      $39,069,435,000.00      $39,069,435,000.00      $39,069,435,000.00


        H. Class A Usage of Class B and Class C Subordinated Amounts:

        Class A Usage of Class  Class A Usage of Class C        Cumulative Class A      Cumulative Class A
        B Subordinated Amount   Subordinated Amount for Usage of Class B        Usage of Class C
        for this Monthly Period this Monthly Period     Subordinated Amount     Subordinated Amount



        NOTHING TO REPORT



        I. Class B Usage of Class C Subordinated Amounts:
        Class B Usage of Class C        Cumulative Class B Usage
        Subordinated Amount for         of Class C Subordinated
        this Monthly Period             Amount




        NOTHING TO REPORT


     J. Nominal Liquidation Amount for Tranches of Notes Outstanding during related Monthly Period:


                 Beginning Nominal       Increases from  Increases from  Reimbursements  Reductions due to       Reductions due to       Reductions due to       Ending Nominal
                Liquidation Amount *    accretions on   amounts withdrawn               from Available           reallocations of        Investor               amounts on deposit
                Liquidation
                                        Principal for   from the Princial Funds         Available Principal     Charge-Offs             in the Principal        Amount
                                        Discount Notes  Funding sub-Account             Amounts Funding
                                                        in respect of                   sub-Account
                                                        Prefunding Excess
                                                        Amount



        Class A
        Class A(2001-1)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2001-2)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2001-3)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2001-Emerald)   $4,500,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $4,500,000,000.00
        Class A(2001-4)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2001-5)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2002-1)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2002-2)         $656,175,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $656,175,000.00
        Class A(2002-3)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2002-4)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2002-5)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2002-6)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2002-7)         $497,250,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $497,250,000.00
        Class A(2002-8)         $400,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $400,000,000.00
        Class A(2002-9)         $700,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $700,000,000.00
        Class A(2002-10)        $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2002-11)        $490,600,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $490,600,000.00
        Class A(2002-12)        $1,500,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,500,000,000.00
        Class A(2002-13)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-1)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-2)         $1,000,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,000,000,000.00
        Class A(2003-3)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2003-4)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2003-5)         $548,200,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $548,200,000.00
        Class A(2003-6)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-7)         $650,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $650,000,000.00
        Class A(2003-8)         $750,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $750,000,000.00
        Class A(2003-9)         $1,050,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,050,000,000.00
        Class A(2003-10)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-11)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2003-12)        $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2004-2)         $600,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $600,000,000.00
        Class A(2004-1)         $752,760,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $752,760,000.00
        Class A(2004-3)         $700,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $700,000,000.00
        Class A(2004-4)         $1,350,000,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,350,000,000.00
        Class A(2004-5)         $1,015,240,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $1,015,240,000.00
        Class A(2004-6)         $500,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $500,000,000.00
        Class A(2004-7)         $900,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $900,000,000.00
                                $32,310,225,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $32,310,225,000.00
        Class B
        Class B(2001-1)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2001-2)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2001-3)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
        Class B(2002-1)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2002-2)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2002-3)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class B(2002-4)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class B(2003-1)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class B(2003-2)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class B(2003-3)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class B(2003-5)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
        Class B(2003-4)         $331,650,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $331,650,000.00
        Class B(2004-1)         $350,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $350,000,000.00
                                $3,031,650,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,031,650,000.00
        Class C
        Class C(2001-1)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class C(2001-2)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2001-3)         $400,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $400,000,000.00
        Class C(2001-4)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class C(2001-5)         $150,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $150,000,000.00
        Class C(2002-1)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class C(2002-2)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2002-3)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class C(2002-4)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2002-5)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2002-6)         $50,000,000.00          $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $50,000,000.00
        Class C(2002-7)         $50,000,000.00          $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $50,000,000.00
        Class C(2003-1)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class C(2003-2)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2003-3)         $175,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $175,000,000.00
        Class C(2003-4)         $327,560,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $327,560,000.00
        Class C(2003-5)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2003-6)         $250,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $250,000,000.00
        Class C(2003-7)         $100,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $100,000,000.00
        Class C(2004-1)         $200,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $200,000,000.00
        Class C(2004-2)         $275,000,000.00         $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $275,000,000.00
                                $3,727,560,000.00       $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $3,727,560,000.00
         Total:                 $39,069,435,000.00      $0.00   $0.00   $0.00   $0.00   $0.00   $0.00   $39,069,435,000.00

        *  The Beginning Nominal Liquidation Amount for Class A(2001-Emerald) is reported as of the end of the Monthly Period.



       K. Excess Available Funds and 3 Month Excess Available Funds:
        Excess Available Funds  240,026,764.98

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




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

        MBNA AMERICA BANK,

        NATIONAL ASSOCIATION,

         as Beneficiary of the MBNA Credit   Card
        Master Note Trust

         and
         as Servicer of the MBNA Master   Credit
        Card Trust II




        Name:   Marcie E. Copson-Hall
        Title:  Executive Vice President


        C-1     MBNAseries