8-K

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) November 29, 2005


MBNA AMERICA BANK, NATIONAL ASSOCIATION
ON BEHALF OF THE
MBNA MASTER CREDIT CARD TRUST II
(Issuer of the Collateral Certificate)
AND THE
MBNA CREDIT CARD MASTER NOTE TRUST
(Issuer of the MBNAseries Class A, Class B, and Class C notes)
(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
(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 November 29, 2005, MBNA America Bank, National Association (the "Seller")
conveyed to the MBNA Master Credit Card Trust II (the "Trust") all of the
receivables (the "Receivables") in certain additional credit card accounts
(the "Additional Accounts") of the Seller pursuant to an Assignment No.
45 of Receivables in Additional Accounts dated as of  November 29, 2005,
(the "Assignment").  The principal amount of the Receivables in the Additional
Accounts on  November 29, 2005, was $1,651,452,545.16.  The Seller conveyed the
Receivables in the Additional Accounts to the Trust pursuant to subsection
2.06(b) of the Pooling and Servicing Agreement.

December 15, 2005, is a Payment Date for each publicly-offered tranche of
Notes relating to the MBNASeries issued by MBNA Credit Card Master Note Trust.
Copies of the MBNASeries Noteholders'Statement and the MBNASeries Schedule,
each for the month ended November 30, 2005, 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  MBNASeries Noteholders' Statement for the month ended
                   November 30, 2005.

             20.2 MBNASeries Schedule to the Noteholders' Statement for the
                  month ended November 30,2005.





                                                        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:     December 15, 2005


                                    MBNA AMERICA BANK, NATIONAL ASSOCIATION,
                                    as Servicer



                                    By:         /s/Marcie Copson-Hall
                                    ----------------------------------
                                    Name:   Marcie Copson-Hall
                                    Title:  Executive Vice President

EX-20

xhibit 20.1


MONTHLY SERIES CERTIFICATEHOLDERS' STATEMENT

SERIES 2001-D

MBNA AMERICA BANK, NATIONAL ASSOCIATION



MBNA MASTER CREDIT CARD TRUST II






MONTHLY PERIOD ENDING NOVEMBER 30, 2005

___________________________________


The information which is required to be prepared with respect to the Transfer
Date of December 14, 2005 and with respect to the performance of the Issuer
during the related Monthly Period.

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
1.	The amount of the current monthly
distribution which constitutes Available
Funds$690,573,505.89


2.	The amount of the current monthly distribution
which constitutes Available Investor Principal
Collections      See Addendum to Exhibit B

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 and allocated to
Series 2001-D$7,187,141,769.66

2.Collection of Finance Charge Receivables
(a)The aggregate amount of Collections of Finance
Charge Receivables processed during the
related Monthly Period and allocated to
Series 2001-D$617,101,129.93




3.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$71,117,209,769.80

(b)The amount of Principal Receivables in the
Trust represented by the Investor Interest
of Series 2001-D as of the end of the day on
the last day of the related Monthly
Period$47,993,377,500.00

(c)	The Floating Allocation Investor
Interest as of the end of the day on the
last day of the related Monthly
Period$47,993,377,500.00

(d)	The Principal Allocation Investor Interest
as of the end of the day on the last day
of the related Monthly
Period$47,993,377,500.00

(e)	The Floating Investor Percentage with respect
to the related Monthly Period
November 1, 2005  through  November 1, 200566.76%
November 2, 2005  through  November 8, 200566.96%
November 9, 2005  through  November 16, 200567.39%
November 17, 2005  through  November 28, 200568.63%
November 29, 2005  through  November 30, 200567.36%

(f)The Principal Investor Percentage with respect to
the Monthly Period
November 1, 2005  through  November 1, 200566.76%
November 2, 2005  through  November 8, 200566.96%
November 9, 2005  through  November 16, 200567.39%
November 17, 2005  through  November 28, 200568.63%
November 29, 2005  through  November 30, 200567.36%






4.  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:




Aggregate
Account
Balance
Percentage
of Total
Receivables







(a)
 30 -  59 days:
$1,163,361,328.87
1.61%


(b)
 60 -  89 days:
$720,396,339.39
1.00%


(c)
 90 - 119 days:
$579,903,694.79
0.80%


(d)
120 - 149 days:
$518,812,601.49
0.72%


(e)
150 - or more days:
$521,057,439.57
0.71%


Total:
$3,503,531,404.11
4.84%
5.Investor Default Amount
(a)The Aggregate Investor Default Amount for the
related Monthly Period$218,984,222.96
6.Investor Servicing Fee
(a)The amount of the Investor Servicing Fee  payable by
the Trust to the Servicer for the
related Monthly Period$78,402,423.61
(b)The amount of the Net Servicing Fee
payable by the Trust to the Servicer
for the related Monthly
Period$49,001,514.76
(c)The amount of the Servicer Interchange
payable by the Trust to the Servicer
for the related Monthly
Period$29,400,908.85


IN WITNESS WHEREOF, the undersigned has duly executed this certificate this
8th day of December, 2005.



MBNA AMERICA BANK,
NATIONAL ASSOCIATION,
Serv  Marcie E. Copson-Hall
					  icer

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



1

C-4

2001-D	A-1



C-1
2001-D
2001-D	A-1

EX-20

         EXHIBIT C
         SCHEDULE TO MONTHLY NOTEHOLDERS' STATEMENT

        MBNAseries
         MBNA CREDIT CARD MASTER NOTE TRUST


        MONTHLY PERIOD ENDING October 31, 2005

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




           The following computations are prepared with respect to the Transfer Date of November 14, 2005
        and with respect to the performance of the Trust during the related Monthly Period.



         A. Targeted deposits to Interest Funding sub-Accounts:


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


        Class A:
        Class A(2001-1)         $4,791,666.67   $4,791,666.67           $0.00                   $4,791,666.67           $0.00
        Class A(2001-2)         $1,699,722.22   $1,699,722.22           $0.00                   $1,699,722.22           $0.00
        Class A(2001-3)         $3,431,666.67   $3,431,666.67           $0.00                   $3,431,666.67           $0.00
        Class A(2001-Emerald)   $19,724,206.91  $19,724,206.91          $0.00                   $137,693,168.56         $388,391.26
        Class A(2001-5)         $1,683,611.11   $1,683,611.11           $0.00                   $1,683,611.11           $0.00
        Class A(2002-1)         $4,125,000.00   $4,125,000.00           $0.00                   $4,125,000.00           $0.00
        Class A(2002-2)         $2,161,586.63   $2,161,586.63           $0.00                   $6,857,447.24           $15,618.28
        Class A(2002-3)         $2,543,541.67   $2,543,541.67           $0.00                   $2,543,541.67           $0.00
        Class A(2002-4)         $3,286,666.67   $3,286,666.67           $0.00                   $3,286,666.67           $0.00
        Class A(2002-5)         $2,507,291.67   $2,507,291.67           $0.00                   $2,507,291.67           $0.00
        Class A(2002-7)         $1,745,691.43   $1,745,691.43           $0.00                   $1,745,691.43           $0.00
        Class A(2002-8)         $1,385,555.56   $1,385,555.56           $0.00                   $1,385,555.56           $0.00
        Class A(2002-9)         $2,390,888.89   $2,390,888.89           $0.00                   $2,390,888.89           $0.00
        Class A(2002-10)        $3,310,833.33   $3,310,833.33           $0.00                   $3,310,833.33           $0.00
        Class A(2002-11)        $1,771,014.90   $1,771,014.90           $0.00                   $1,771,014.90           $0.00
        Class A(2002-12)        $4,869,583.33   $4,869,583.33           $0.00                   $4,869,583.33           $0.00
        Class A(2002-13)        $1,651,388.89   $1,651,388.89           $0.00                   $1,651,388.89           $0.00
        Class A(2003-1)         $1,656,222.22   $1,656,222.22           $0.00                   $1,656,222.22           $0.00
        Class A(2003-2)         $3,238,333.33   $3,238,333.33           $0.00                   $3,238,333.33           $0.00
        Class A(2003-3)         $2,471,041.67   $2,471,041.67           $0.00                   $2,471,041.67           $0.00
        Class A(2003-4)         $2,531,458.33   $2,531,458.33           $0.00                   $2,531,458.33           $0.00
        Class A(2003-5)         $1,973,535.23   $1,973,535.23           $0.00                   $1,973,535.23           $0.00
        Class A(2003-6)         $1,145,833.33   $1,145,833.33           $0.00                   $1,145,833.33           $0.00
        Class A(2003-7)         $1,435,416.67   $1,435,416.67           $0.00                   $1,435,416.67           $0.00
        Class A(2003-8)         $2,513,333.33   $2,513,333.33           $0.00                   $2,513,333.33           $0.00
        Class A(2003-9)         $3,467,916.67   $3,467,916.67           $0.00                   $3,467,916.67           $0.00
        Class A(2003-10)        $1,703,750.00   $1,703,750.00           $0.00                   $1,703,750.00           $0.00
        Class A(2003-11)        $1,628,430.56   $1,628,430.56           $0.00                   $1,628,430.56           $0.00
        Class A(2003-12)        $1,643,333.33   $1,643,333.33           $0.00                   $1,643,333.33           $0.00
        Class A(2004-2)         $1,991,333.33   $1,991,333.33           $0.00                   $1,991,333.33           $0.00
        Class A(2004-1)         $2,656,655.23   $2,656,655.23           $0.00                   $2,656,655.23           $0.00
        Class A(2004-3)         $2,385,250.00   $2,385,250.00           $0.00                   $2,385,250.00           $0.00
        Class A(2004-4)         $4,313,025.00   $4,313,025.00           $0.00                   $4,313,025.00           $0.00
        Class A(2004-5)         $3,247,309.16   $3,247,309.16           $0.00                   $10,301,808.36          $23,462.24
        Class A(2004-6)         $1,655,416.67   $1,655,416.67           $0.00                   $1,655,416.67           $0.00
        Class A(2004-7)         $2,950,750.00   $2,950,750.00           $0.00                   $2,950,750.00           $0.00
        Class A(2004-8)         $1,659,444.44   $1,659,444.44           $0.00                   $1,659,444.44           $0.00
        Class A(2004-9)         $2,250,286.60   $2,250,286.60           $0.00                   $2,250,286.60           $0.00
        Class A(2004-10)        $1,631,250.00   $1,631,250.00           $0.00                   $1,631,250.00           $0.00
        Class A(2005-1)         $2,625,000.00   $2,625,000.00           $0.00                   $2,625,000.00           $0.00
        Class A(2005-2)         $1,631,250.00   $1,631,250.00           $0.00                   $1,631,250.00           $0.00
        Class A(2005-3)         $2,050,000.00   $2,050,000.00           $0.00                   $2,050,000.00           $0.00
        Class A(2005-4)         $2,584,222.22   $2,584,222.22           $0.00                   $2,584,222.22           $0.00
        Class A(2005-5)         $4,797,083.33   $4,797,083.33           $0.00                   $4,797,083.33           $0.00
        Class A(2005-6)         $1,875,000.00   $1,875,000.00           $0.00                   $1,875,000.00           $0.00
        Class A(2005-7)         $5,255,555.56   $5,255,555.56           $0.00                   $5,494,444.45           $790.47
        Class A(2005-8)         $3,179,000.00   $3,179,000.00           $0.00                   $3,179,000.00           $0.00
        Class A Total:          $137,226,352.76 $137,226,352.76         $0.00                   $267,184,563.11         $428,262.25
        Class B:
        Class B(2001-1)         $875,034.72     $875,034.72             $0.00                   $875,034.72             $0.00
        Class B(2001-2)         $872,013.89     $872,013.89             $0.00                   $872,013.89             $0.00
        Class B(2001-3)         $540,125.00     $540,125.00             $0.00                   $540,125.00             $0.00
        Class B(2002-1)         $1,072,916.67   $1,072,916.67           $0.00                   $1,072,916.67           $0.00
        Class B(2002-2)         $876,041.67     $876,041.67             $0.00                   $876,041.67             $0.00
        Class B(2002-4)         $720,166.67     $720,166.67             $0.00                   $720,166.67             $0.00
        Class B(2003-1)         $710,500.00     $710,500.00             $0.00                   $710,500.00             $0.00
        Class B(2003-2)         $702,444.44     $702,444.44             $0.00                   $702,444.44             $0.00
        Class B(2003-3)         $700,027.78     $700,027.78             $0.00                   $700,027.78             $0.00
        Class B(2003-5)         $524,416.67     $524,416.67             $0.00                   $524,416.67             $0.00
        Class B(2003-4)         $1,228,955.51   $1,228,955.51           $0.00                   $2,500,288.80           $4,226.98
        Class B(2004-1)         $1,297,916.67   $1,297,916.67           $0.00                   $1,297,916.67           $0.00
        Class B(2004-2)         $526,833.33     $526,833.33             $0.00                   $526,833.33             $0.00
        Class B(2005-1)         $428,958.33     $428,958.33             $0.00                   $428,958.33             $0.00
        Class B(2005-2)         $668,611.11     $668,611.11             $0.00                   $668,611.11             $0.00
        Class B Total:          $11,744,962.46  $11,744,962.46          $0.00                   $13,016,295.75          $4,226.98
        Class C:
        Class C(2001-1)         $1,010,972.22   $1,010,972.22           $0.00                   $1,010,972.22           $0.00
        Class C(2001-2)         $412,444.44     $412,444.44             $0.00                   $412,444.44             $0.00
        Class C(2001-3)         $2,183,333.33   $2,183,333.33           $0.00                   $2,183,333.33           $0.00
        Class C(2001-4)         $1,010,972.22   $1,010,972.22           $0.00                   $1,010,972.22           $0.00
        Class C(2001-5)         $627,125.00     $627,125.00             $0.00                   $627,125.00             $0.00
        Class C(2002-1)         $1,416,666.67   $1,416,666.67           $0.00                   $1,416,666.67           $0.00
        Class C(2002-2)         $396,333.33     $396,333.33             $0.00                   $396,333.33             $0.00
        Class C(2002-3)         $857,111.11     $857,111.11             $0.00                   $857,111.11             $0.00
        Class C(2002-4)         $416,472.22     $416,472.22             $0.00                   $416,472.22             $0.00
        Class C(2002-6)         $240,458.33     $240,458.33             $0.00                   $240,458.33             $0.00
        Class C(2002-7)         $279,166.67     $279,166.67             $0.00                   $279,166.67             $0.00
        Class C(2003-1)         $913,500.00     $913,500.00             $0.00                   $913,500.00             $0.00
        Class C(2003-2)         $448,694.44     $448,694.44             $0.00                   $448,694.44             $0.00
        Class C(2003-3)         $749,972.22     $749,972.22             $0.00                   $749,972.22             $0.00
        Class C(2003-4)         $1,500,610.78   $1,500,610.78           $0.00                   $4,760,558.32           $10,840.96
        Class C(2003-5)         $414,861.11     $414,861.11             $0.00                   $414,861.11             $0.00
        Class C(2003-6)         $1,037,152.78   $1,037,152.78           $0.00                   $1,037,152.78           $0.00
        Class C(2003-7)         $428,555.56     $428,555.56             $0.00                   $428,555.56             $0.00
        Class C(2004-1)         $765,277.78     $765,277.78             $0.00                   $765,277.78             $0.00
        Class C(2004-2)         $1,078,840.28   $1,078,840.28           $0.00                   $1,078,840.28           $0.00
        Class C(2005-1)         $441,041.67     $441,041.67             $0.00                   $441,041.67             $0.00
        Class C(2005-2)         $799,916.67     $799,916.67             $0.00                   $956,244.80             $517.28
        Class C(2005-3)         $427,000.00     $427,000.00             $0.00                   $427,000.00             $0.00
        Class C Total:          $17,856,478.83  $17,856,478.83          $0.00                   $21,272,754.50          $11,358.24
        Total:                  $166,827,794.05 $166,827,794.05         $0.00                   $301,473,613.36         $443,847.47

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



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


        Class A
        Class A(2001-1)         55264TAC5       November 15, 2005       5.7500000%      $4,791,666.67
        Class A(2001-2)         55264TAE1       November 15, 2005       4.2200000%      $1,699,722.22
        Class A(2001-5)         55264TAM3       November 15, 2005       4.1800000%      $1,683,611.11
        Class A(2002-1)         55264TAQ4       November 15, 2005       4.9500000%      $4,125,000.00
        Class A(2002-2)         014467025       November 15, 2005       4.0893800%      $6,857,447.24
        Class A(2002-3)         55264TAT8       November 15, 2005       4.2100000%      $2,543,541.67
        Class A(2002-4)         55264TAU5       November 15, 2005       4.0800000%      $3,286,666.67
        Class A(2002-5)         55264TAV3       November 15, 2005       4.1500000%      $2,507,291.67
        Class A(2002-10)        55264TBF7       November 15, 2005       4.1100000%      $3,310,833.33
        Class A(2002-12)        55264TBK6       November 15, 2005       4.0300000%      $4,869,583.33
        Class A(2002-13)        55264TBL4       November 15, 2005       4.1000000%      $1,651,388.89
        Class A(2003-1)         55264TBQ3       November 15, 2005       3.3000000%      $1,375,000.00
        Class A(2003-2)         55264TBR1       November 15, 2005       4.0200000%      $3,238,333.33
        Class A(2003-3)         55264TBS9       November 15, 2005       4.0900000%      $2,471,041.67
        Class A(2003-4)         55264TBT7       November 15, 2005       4.1900000%      $2,531,458.33
        Class A(2003-6)         55264TBV2       November 15, 2005       2.7500000%      $1,145,833.33
        Class A(2003-7)         55264TBY6       November 15, 2005       2.6500000%      $1,435,416.67
        Class A(2003-8)         55264TCA7       November 15, 2005       4.1600000%      $2,513,333.33
        Class A(2003-9)         55264TCC3       November 15, 2005       4.1000000%      $3,467,916.67
        Class A(2003-10)        55264TCF6       November 15, 2005       4.2300000%      $1,703,750.00
        Class A(2003-11)        55264TCH2       November 15, 2005       3.6500000%      $1,520,833.33
        Class A(2003-12)        55264TCJ8       November 15, 2005       4.0800000%      $1,643,333.33
        Class A(2004-2)         55264TCK5       November 15, 2005       4.1200000%      $1,991,333.33
        Class A(2004-3)         55264TCL3       November 15, 2005       4.2300000%      $2,385,250.00
        Class A(2004-4)         55264TCP4       November 15, 2005       2.7000000%      $3,037,500.00
        Class A(2004-5)         019227766       November 15, 2005       3.9706300%      $10,301,808.36
        Class A(2004-6)         55264TCQ2       November 15, 2005       4.1100000%      $1,655,416.67
        Class A(2004-7)         55264TCS8       November 15, 2005       4.0700000%      $2,950,750.00
        Class A(2004-8)         55264TCU3       November 15, 2005       4.1200000%      $1,659,444.44
        Class A(2004-9)         020110562       November 15, 2005       4.1508800%      $2,250,286.60
        Class A(2004-10)        55264TCV1       November 15, 2005       4.0500000%      $1,631,250.00
        Class A(2005-1)         55264TCW9       November 15, 2005       4.2000000%      $2,625,000.00
        Class A(2005-2)         55264TCX7       November 15, 2005       4.0500000%      $1,631,250.00
        Class A(2005-3)         55264TCZ2       November 15, 2005       4.1000000%      $2,050,000.00
        Class A(2005-4)         55264TDB4       November 15, 2005       4.0100000%      $2,584,222.22
        Class A(2005-5)         55264TDC2       November 15, 2005       3.9700000%      $4,797,083.33
        Class A(2005-6)         55264TDE8       November 15, 2005       4.5000000%      $1,875,000.00
        Class A(2005-7)         55264TDG3       November 15, 2005       4.3000000%      $5,494,444.45
        Class A(2005-8)         55264TDH1       November 15, 2005       3.9600000%      $3,179,000.00
        Total Class A           $112,472,042.19
        Class B
        Class B(2001-1)         55264TAA9       November 15, 2005       4.3450000%      $875,034.72
        Class B(2001-2)         55264TAJ0       November 15, 2005       4.3300000%      $872,013.89
        Class B(2001-3)         55264TAP6       November 15, 2005       4.4700000%      $540,125.00
        Class B(2002-1)         55264TAR2       November 15, 2005       5.1500000%      $1,072,916.67
        Class B(2002-2)         55264TAX9       November 15, 2005       4.3500000%      $876,041.67
        Class B(2002-4)         55264TBG5       November 15, 2005       4.4700000%      $720,166.67
        Class B(2003-1)         55264TBP5       November 15, 2005       4.4100000%      $710,500.00
        Class B(2003-2)         55264TBW0       November 15, 2005       4.3600000%      $702,444.44
        Class B(2003-3)         55264TCB5       November 15, 2005       4.3450000%      $700,027.78
        Class B(2003-5)         55264TCE9       November 15, 2005       4.3400000%      $524,416.67
        Class B(2004-1)         55264TCN9       November 15, 2005       4.4500000%      $1,297,916.67
        Class B(2004-2)         55264TCT6       November 15, 2005       4.3600000%      $526,833.33
        Class B(2005-1)         55264TDA6       November 15, 2005       4.2600000%      $428,958.33
        Class B(2005-2)         55264TDD0       November 15, 2005       4.1500000%      $668,611.11
        Total Class B           $10,516,006.95
        Class C
        Class C(2001-1)         55264TAB7       November 15, 2005       5.0200000%      $1,010,972.22
        Class C(2001-2)         55264TAD3       November 15, 2005       5.1200000%      $412,444.44
        Class C(2001-3)         55264TAF8       November 15, 2005       6.5500000%      $2,183,333.33
        Class C(2001-4)         55264TAK7       November 15, 2005       5.0200000%      $1,010,972.22
        Class C(2001-5)         55264TAN1       November 15, 2005       5.1900000%      $627,125.00
        Class C(2002-1)         55264TAS0       November 15, 2005       6.8000000%      $1,416,666.67
        Class C(2002-2)         55264TAW1       November 15, 2005       4.9200000%      $396,333.33
        Class C(2002-3)         55264TAY7       November 15, 2005       5.3200000%      $857,111.11
        Class C(2002-4)         55264TBD2       November 15, 2005       5.1700000%      $416,472.22
        Class C(2002-6)         55264TBH3       November 15, 2005       5.9700000%      $240,458.33
        Class C(2002-7)         55264TBJ9       November 15, 2005       6.7000000%      $279,166.67
        Class C(2003-1)         55264TBM2       November 15, 2005       5.6700000%      $913,500.00
        Class C(2003-2)         55264TBN0       November 15, 2005       5.5700000%      $448,694.44
        Class C(2003-3)         55264TBU4       November 15, 2005       5.3200000%      $749,972.22
        Class C(2003-4)         016994588       November 15, 2005       5.6869800%      $4,760,558.32
        Class C(2003-5)         55264TBX8       November 15, 2005       5.1500000%      $414,861.11
        Class C(2003-6)         55264TBZ3       November 15, 2005       5.1500000%      $1,037,152.78
        Class C(2003-7)         55264TCG4       November 15, 2005       5.3200000%      $428,555.56
        Class C(2004-1)         55264TCM1       November 15, 2005       4.7500000%      $765,277.78
        Class C(2004-2)         55264TCR0       November 15, 2005       4.8700000%      $1,078,840.28
        Class C(2005-1)         55264TCY5       November 15, 2005       4.3800000%      $441,041.67
        Class C(2005-2)         55264TDF5       November 15, 2005       4.2499800%      $956,244.80
        Total Class C           $20,845,754.50


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



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


        NOTHING TO REPORT



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

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



        NOTHING TO REPORT


E. Targeted deposits to Principal Funding sub-Accounts:

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



        Class A
        Class A(2002-12)  $1,500,000,000.00       $1,500,000,000.00       $0.00         $1,500,000,000.00       $0.00
        Total Class A:    $1,500,000,000.00       $1,500,000,000.00       $0.00         $1,500,000,000.00       $0.00
        Total:            $1,500,000,000.00       $1,500,000,000.00       $0.00         $1,500,000,000.00       $0.00




       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



        Class A
        Class A(2002-12)        55264TBK6       November 15, 2005       $1,500,000,000.00
        Total Class A:                                                  $1,500,000,000.00
        Total:                                                          $1,500,000,000.00




       G.Stated Principal Amount, Outstanding Dollar Principal Amount and Nominal Liquidation Amount for the related Monthly Period:

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

        Class A
        Class A(2001-1)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2001-2)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2001-3)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2001-Emerald)   $6,100,000,000.00       $6,100,000,000.00       $6,100,000,000.00       $6,100,000,000.00
        Class A(2001-5)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2002-1)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-2)         $656,175,000.00         $656,175,000.00         $656,175,000.00         $656,175,000.00
        Class A(2002-3)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2002-4)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-5)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2002-7)         $497,250,000.00         $497,250,000.00         $497,250,000.00         $497,250,000.00
        Class A(2002-8)         $400,000,000.00         $400,000,000.00         $400,000,000.00         $400,000,000.00
        Class A(2002-9)         $700,000,000.00         $700,000,000.00         $700,000,000.00         $700,000,000.00
        Class A(2002-10)        $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2002-11)        $490,600,000.00         $490,600,000.00         $490,600,000.00         $490,600,000.00
        Class A(2002-12)        $1,500,000,000.00       $0.00                   $0.00   $0.00
        Class A(2002-13)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-1)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-2)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2003-3)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-4)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-5)         $548,200,000.00         $548,200,000.00         $548,200,000.00         $548,200,000.00
        Class A(2003-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-7)         $650,000,000.00         $650,000,000.00         $650,000,000.00         $650,000,000.00
        Class A(2003-8)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2003-9)         $1,050,000,000.00       $1,050,000,000.00       $1,050,000,000.00       $1,050,000,000.00
        Class A(2003-10)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-11)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2003-12)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-2)         $600,000,000.00         $600,000,000.00         $600,000,000.00         $600,000,000.00
        Class A(2004-1)         $752,760,000.00         $752,760,000.00         $752,760,000.00         $752,760,000.00
        Class A(2004-3)         $700,000,000.00         $700,000,000.00         $700,000,000.00         $700,000,000.00
        Class A(2004-4)         $1,350,000,000.00       $1,350,000,000.00       $1,350,000,000.00       $1,350,000,000.00
        Class A(2004-5)         $1,015,240,000.00       $1,015,240,000.00       $1,015,240,000.00       $1,015,240,000.00
        Class A(2004-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-7)         $900,000,000.00         $900,000,000.00         $900,000,000.00         $900,000,000.00
        Class A(2004-8)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2004-9)         $672,980,000.00         $672,980,000.00         $672,980,000.00         $672,980,000.00
        Class A(2004-10)        $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2005-1)         $750,000,000.00         $750,000,000.00         $750,000,000.00         $750,000,000.00
        Class A(2005-2)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2005-3)         $600,000,000.00         $600,000,000.00         $600,000,000.00         $600,000,000.00
        Class A(2005-4)         $800,000,000.00         $800,000,000.00         $800,000,000.00         $800,000,000.00
        Class A(2005-5)         $1,500,000,000.00       $1,500,000,000.00       $1,500,000,000.00       $1,500,000,000.00
        Class A(2005-6)         $500,000,000.00         $500,000,000.00         $500,000,000.00         $500,000,000.00
        Class A(2005-7)         $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00       $1,000,000,000.00
        Class A(2005-8)         $850,000,000.00         $850,000,000.00         $850,000,000.00         $850,000,000.00
        Total Class A:          $40,333,205,000.00      $38,833,205,000.00      $38,833,205,000.00      $38,833,205,000.00
        Class B
        Class B(2001-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2001-2)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2001-3)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class B(2002-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2002-2)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class B(2002-4)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-2)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-3)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class B(2003-5)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class B(2003-4)         $331,650,000.00         $331,650,000.00         $331,650,000.00         $331,650,000.00
        Class B(2004-1)         $350,000,000.00         $350,000,000.00         $350,000,000.00         $350,000,000.00
        Class B(2004-2)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class B(2005-1)         $125,000,000.00         $125,000,000.00         $125,000,000.00         $125,000,000.00
        Class B(2005-2)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Total Class B:          $3,256,650,000.00       $3,256,650,000.00       $3,256,650,000.00       $3,256,650,000.00
        Class C
        Class C(2001-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2001-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2001-3)         $400,000,000.00         $400,000,000.00         $400,000,000.00         $400,000,000.00
        Class C(2001-4)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2001-5)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class C(2002-1)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2002-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2002-3)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2002-4)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2002-6)         $50,000,000.00          $50,000,000.00          $50,000,000.00          $50,000,000.00
        Class C(2002-7)         $50,000,000.00          $50,000,000.00          $50,000,000.00          $50,000,000.00
        Class C(2003-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2003-2)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2003-3)         $175,000,000.00         $175,000,000.00         $175,000,000.00         $175,000,000.00
        Class C(2003-4)         $327,560,000.00         $327,560,000.00         $327,560,000.00         $327,560,000.00
        Class C(2003-5)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2003-6)         $250,000,000.00         $250,000,000.00         $250,000,000.00         $250,000,000.00
        Class C(2003-7)         $100,000,000.00         $100,000,000.00         $100,000,000.00         $100,000,000.00
        Class C(2004-1)         $200,000,000.00         $200,000,000.00         $200,000,000.00         $200,000,000.00
        Class C(2004-2)         $275,000,000.00         $275,000,000.00         $275,000,000.00         $275,000,000.00
        Class C(2005-1)         $125,000,000.00         $125,000,000.00         $125,000,000.00         $125,000,000.00
        Class C(2005-2)         $150,000,000.00         $150,000,000.00         $150,000,000.00         $150,000,000.00
        Class C(2005-3)         $300,000,000.00         $300,000,000.00         $300,000,000.00         $300,000,000.00
        Total Class C:          $4,202,560,000.00       $4,202,560,000.00       $4,202,560,000.00       $4,202,560,000.00
        Total:                  $47,792,415,000.00      $46,292,415,000.00      $46,292,415,000.00      $46,292,415,000.00


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

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



        NOTHING TO REPORT



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




        NOTHING TO REPORT


        J. Nominal Liquidation Amount for Tranches of Notes Outstanding:


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



        Class A
        Class A(2001-1)         $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
        Class A(2001-2)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2001-3)         $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
        Class A(2001-Emerald)   $6,100,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $6,100,000,000.00
        Class A(2001-5)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2002-1)         $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
        Class A(2002-2)         $656,175,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $656,175,000.00
        Class A(2002-3)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
        Class A(2002-4)         $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
        Class A(2002-5)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
        Class A(2002-7)         $497,250,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $497,250,000.00
        Class A(2002-8)         $400,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $400,000,000.00
        Class A(2002-9)         $700,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $700,000,000.00
        Class A(2002-10)        $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
        Class A(2002-11)        $490,600,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $490,600,000.00
        Class A(2002-12)        $1,500,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,500,000,000.00       $0.00
        Class A(2002-13)        $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2003-1)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2003-2)         $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
        Class A(2003-3)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
        Class A(2003-4)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
        Class A(2003-5)         $548,200,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $548,200,000.00
        Class A(2003-6)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2003-7)         $650,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $650,000,000.00
        Class A(2003-8)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
        Class A(2003-9)         $1,050,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,050,000,000.00
        Class A(2003-10)        $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2003-11)        $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2003-12)        $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2004-2)         $600,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $600,000,000.00
        Class A(2004-1)         $752,760,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $752,760,000.00
        Class A(2004-3)         $700,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $700,000,000.00
        Class A(2004-4)         $1,350,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,350,000,000.00
        Class A(2004-5)         $1,015,240,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,015,240,000.00
        Class A(2004-6)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2004-7)         $900,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $900,000,000.00
        Class A(2004-8)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2004-9)         $672,980,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $672,980,000.00
        Class A(2004-10)        $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2005-1)         $750,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $750,000,000.00
        Class A(2005-2)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2005-3)         $600,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $600,000,000.00
        Class A(2005-4)         $800,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $800,000,000.00
        Class A(2005-5)         $1,500,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,500,000,000.00
        Class A(2005-6)         $500,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $500,000,000.00
        Class A(2005-7)         $1,000,000,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,000,000,000.00
        Class A(2005-8)         $850,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $850,000,000.00
                                $40,333,205,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,500,000,000.00       $38,833,205,000.00
        Class B
        Class B(2001-1)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
        Class B(2001-2)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
        Class B(2001-3)         $150,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $150,000,000.00
        Class B(2002-1)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
        Class B(2002-2)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
        Class B(2002-4)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
        Class B(2003-1)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
        Class B(2003-2)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
        Class B(2003-3)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
        Class B(2003-5)         $150,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $150,000,000.00
        Class B(2003-4)         $331,650,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $331,650,000.00
        Class B(2004-1)         $350,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $350,000,000.00
        Class B(2004-2)         $150,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $150,000,000.00
        Class B(2005-1)         $125,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $125,000,000.00
        Class B(2005-2)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
                                $3,256,650,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $3,256,650,000.00
        Class C
        Class C(2001-1)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
        Class C(2001-2)         $100,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $100,000,000.00
        Class C(2001-3)         $400,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $400,000,000.00
        Class C(2001-4)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
        Class C(2001-5)         $150,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $150,000,000.00
        Class C(2002-1)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
        Class C(2002-2)         $100,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $100,000,000.00
        Class C(2002-3)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
        Class C(2002-4)         $100,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $100,000,000.00
        Class C(2002-6)         $50,000,000.00          $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $50,000,000.00
        Class C(2002-7)         $50,000,000.00          $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $50,000,000.00
        Class C(2003-1)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
        Class C(2003-2)         $100,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $100,000,000.00
        Class C(2003-3)         $175,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $175,000,000.00
        Class C(2003-4)         $327,560,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $327,560,000.00
        Class C(2003-5)         $100,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $100,000,000.00
        Class C(2003-6)         $250,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $250,000,000.00
        Class C(2003-7)         $100,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $100,000,000.00
        Class C(2004-1)         $200,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $200,000,000.00
        Class C(2004-2)         $275,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $275,000,000.00
        Class C(2005-1)         $125,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $125,000,000.00
        Class C(2005-2)         $150,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $150,000,000.00
        Class C(2005-3)         $300,000,000.00         $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $300,000,000.00
                                $4,202,560,000.00       $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $4,202,560,000.00
         Total:                 $47,792,415,000.00      $0.00                   $0.00                   $0.00                   $0.00                   $0.00                   $1,500,000,000.00       $46,292,415,000.00

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



               K. Excess Available Funds and 3 Month Excess Available Funds:
                Excess Available Funds  306,806,472.73

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





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

                                                        MBNA AMERICA BANK,

                                                        NATIONAL ASSOCIATION,

                                                        as Beneficiary of the MBNA Credit   Card
                                                        Master Note Trust

                                                        and
                                                        as Servicer of the MBNA Master   Credit
                                                        Card Trust II




                                                        Name:   Marcie Copson-Hall
                                                        Title:  Executive Vice President


        C-1     MBNAseries