UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 10-K
(Mark One)
|_||X| ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934
For the Fiscal year ended: June 30, 2005
or
|X||_| TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For Transition period January 1, 2003 through June 30, 2003.
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Commission file number: 000-20949
MBNA AMERICA BANK, NATIONAL ASSOCIATION,
ON BEHALF OF
MBNA MASTER CREDIT CARD TRUST II
(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)(Exact name of registrant as specified in its charter)
United States of America 51-0331-454
(STATE OR OTHER JURISDICTION (I.R.S. EMPLOYER
OF INCORPORATION OR ORGANIZATION) IDENTIFICATION NO.)
1100 North King Street
Wilmington, DE. 19884-078119884
(ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)
REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE:
(800) 362-6255
SECURITIES REGISTERED PURSUANT TO SECTION 12(B) OF THE ACT:
None
SECURITIES REGISTERED PURSUANT TO SECTION 12(G) OF THE ACT:
MBNA Master Credit Card Trust II,
Series 1995-A, Series 1995-C, Series 1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series
1997-I, Series 1997-J, Series 1997-K, Series 1998-D, Series 1999-B, Series 1999-D, Series 1999-G, Series 1999-H, Series 1999-J,
Series 1999-M, Series 2000-A,
Series 2000-E, Series 2000-I, Series 2000-L.
Fixed and Floating Rate Asset Backed Certificates
INDICATE BY CHECK MARK WHETHER THE REGISTRANT HAS (1) FILED ALL REPORTS REQUIRED TO BE FILED BY SECTION 13 OR 15(D) OF THE
SECURITIES EXCHANGE ACT OF 1934 DURING THE PRECEDING 12 MONTHS (OR FOR SUCH SHORTER PERIOD THAT THE REGISTRANT WAS REQUIRED
TO FILE SUCH REPORTS) AND (2) HAS BEEN SUBJECT TO SUCH FILING REQUIREMENTS FOR THE PAST 90 DAYS.
Yes [X] No [ ]
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (ss.229.405 of this chapter)
is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or
information statements incorporated by reference in Part IIIII of the Form 10-K or any amendment to this form 10-K. |_|
Indicate by check mark whether the registrant is an accelerated filer (as defined in rule 12b-2 of the Act). Yes |_| No
|X|
State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to
the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the
last business day of the registrant's most recently completed second fiscal quarter.
Registrant has no voting stock or class of common stock outstanding as of the date of this report.
Registrant has not been involved in bankruptcy proceedings during the preceding five years.
Registrant is not reporting as a corporate issuer.
Documents incorporated by reference:
No documents are being incorporated by reference
INTRODUCTORY NOTE
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MBNA America Bank, National Association (the "Originator") is the originator, seller, and servicer under the Pooling and
Servicing Agreement (the "Agreement"), dated as of August 4, 1994, and the Series 1995-A, Series 1995-C, Series 1996-B, Series 1996-G,
Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-I, Series 1997-J, Series 1997-K, Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-J, Series 1999-A, Series 1999-B, Series 1999-D, Series 1999-G, Series
1999-H,
Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-C, Series 2000-D, Series 2000-E, Series 2000-F, Series 2000-G, Series 2000-H, Series 2000-I, Series 2000-K,
Series 2000-L, Series 2001-A and Series 2001-B Supplements dated as of March 22, 1995, June 29, 1995, March 26, 1996, July 17, 1996,
September 19, 1996, October 24, 1996, November 26, 1996, February 27, 1997, March 26, 1997, August 26, 1997, September 10, 1997, October 22, 1997, July 30, 1998, August 11, 1998, August 26, 1998, September 10, 1998, October 29, 1998, March 25, 1999, March 26,
1999, June 3, 1999, July 29, 1999, August 18, 1999, September 23, 1999, November 5, 1999, December 1, 1999, March 8, 2000, April 13, 2000, May 11, 2000, June 1, 2000, June 23, 2000, July 20, 2000, August 23, 2000,
September 8, 2000, November 21, 2000, December 13, 2000, February 20, 2001, and March 8, 2001 respectively, by and between
the Originator and the trustee, providing for the issuance of the MBNA Master Credit Card Trust II Series 1995-A, Series
1995-C, Series
1996-B, Series 1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-I,
Series 1997-J, Series 1997-K, Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series
1998-J, Series 1999-A, Series
1999-B, Series 1999-D, Series 1999-G, Series 1999-H, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-C,
Series 2000-D, Series 2000-E, Series 2000-F, Series 2000-G, Series 2000-H, Series
2000-I, Series 2000-K, Series 2000-L, Series 2001-A, and Series 2001-B Fixed and Floating Rate Asset Backed Certificates
(the "Certificates") and is the originator of the MBNA Master Credit Card Trust II (the "Trust" and the "Registrant"). The
Certificates do not represent obligations of or interestinterests in the Originator. The Originator hasIn November 1988, MBNA made application pursuant to Section 12 (h) ofunder
the Securities Exchange Act of 1934 for an exemption from certain reporting requirements. Pursuant to an OrderOn December 30, 1988, the staff
of the Securities and Exchange Commission dated December 30, 1988 granting
Originator's application, OriginatorCommission's Division of Corporation Finance granted MBNA's exemption request, pursuant to
which MBNA is not required to respond to various items of Form 10-K. Such items are designated herein as "Not Applicable".
PART I
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Item 1. BusinessBusiness.
- ------- -----------------
Not Applicable
Item 2. PropertiesProperties.
- ------- ---------------------
Not Applicable
Item 3. Legal ProceedingsProceedings.
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None------------------
Industry Developments
MBNA issues credit cards on MasterCard's and Visa's networks. MasterCard and Visa are facing significant litigation
and increased competition. In 2003, MasterCard and Visa settled a suit by Wal-Mart and other merchants who claimed that
MasterCard and Visa unlawfully tied acceptance of debit cards to acceptance of credit cards. Under the settlement
MasterCard and Visa are required to, among other things, allow merchants to accept MasterCard or Visa branded credit cards
without accepting their debit cards (and vice versa), reduce the prices charged to merchants for off-line signature debit
transactions for a period of time, and pay over ten years amounts totaling $3.05 billion into a settlement fund. MasterCard
and Visa are also parties to suits by U.S. merchants who opted out of the Wal-Mart settlement.
In October 2004, the United States Supreme Court let stand a federal court decision in a suit brought by the U.S.
Department of Justice, in which MasterCard and Visa rules prohibiting banks that issue cards on MasterCard and Visa
networks from issuing cards on other networks (the "association rules") were found to have violated federal antitrust laws.
This decision effectively permits banks that issue cards on Visa's or MasterCard's networks, such as MBNA and MBNA
Corporation's other banking subsidiaries, to issue cards on competitor networks. Discover and American Express have
initiated separate civil lawsuits against MasterCard and Visa claiming substantial damages stemming from the association
rules. MasterCard and Visa are also parties to suits alleging that MasterCard's and Visa's currency conversion practices
are unlawful.
In 2005, certain retail merchants filed purported class action lawsuits in various federal courts, alleging that
MasterCard and Visa and their member banks, including MBNA, conspired to charge retailers excessive interchange and other
fees in violation of federal antitrust laws. MBNA is named as a defendant in certain of these lawsuits. MBNA is in the
process of reviewing and assessing the impact of the lawsuits.
The costs associated with these and other matters could cause MasterCard and Visa to invest less in their networks
and marketing efforts and could adversely affect the interchange paid to their member banks, including MBNA.
Litigation
Securities Class Actions
In 2005, several lawsuits were filed in federal court against MBNA Corporation, which is the parent of MBNA, and
certain of its officers. These lawsuits are purported class actions seeking unspecified damages, interest and costs,
including reasonable attorneys' fees, stemming from alleged violations of the Securities Exchange Act of 1934, as amended.
On April 21, 2005, MBNA Corporation announced in its first quarter earnings release that management believed MBNA
Corporation's 2005 earnings would be "significantly below" its previously-stated growth objective. MBNA Corporation's stock
price dropped following publication of that earnings release. The lawsuits allege that MBNA Corporation and certain of its
officers violated federal securities laws through material misstatements and omissions regarding MBNA Corporation's
business, which the plaintiffs allege had the effect of inflating MBNA Corporation's stock price. Additionally, in 2005,
shareholder derivative lawsuits were filed in federal and state court on behalf of MBNA Corporation alleging that certain
officers and directors of MBNA Corporation breached their fiduciary duties to MBNA Corporation and violated federal
securities laws. These claims arise from the facts stated above. One of these derivative lawsuits also alleges that the
directors of MBNA Corporation violated their fiduciary duties in approving the merger of MBNA Corporation and Bank of
America Corporation and seeks to enjoin the merger.
In June 2005, a purported class action lawsuit was filed in the United States District Court for the District of
Delaware against MBNA Corporation, the Pension and 401(k) Plan Committee of MBNA Corporation and certain directors and
officers of MBNA Corporation. The lawsuit alleges that the defendants violated certain provisions of the Employee
Retirement Income Security Act of 1974 as a result of breaches of fiduciary duties owed to the 401(k) plan participants and
beneficiaries. Specifically, the alleged breaches of fiduciary duties related to, but are not limited to, (i) offering MBNA
Corporation common stock as an investment option, (ii) purchasing MBNA Corporation stock for the 401(k) plan, (iii) holding
MBNA Corporation stock in the 401(k) plan, (iv) failing to monitor the 401(k) plan's investment in MBNA Corporation stock
and (v) failing to communicate information concerning MBNA Corporation's financial performance to 401(k) plan participants
and beneficiaries.
MBNA Corporation denies the claims made in the class action, shareholder derivative and ERISA lawsuits and intends
to defend these matters vigorously.
Foreign Currency Conversion Fee Litigation
MBNA and MBNA Corporation are among the card issuers who are defendants in In Re Currency Conversion Fee Antitrust
Litigation, a class action filed in the U.S. District Court for the Southern District of New York that relates to foreign
currency conversion fees charged to customers. MasterCard and Visa applied a currency conversion rate, equal to a wholesale
rate plus 1% to credit card transactions in foreign currencies for conversion of the foreign currency into U.S. dollars.
MasterCard and Visa required MBNA and other member banks to disclose the 1% add-on to the wholesale rate if the bank chose
to pass it along to the cardholder. MBNA disclosed this information in its cardholder agreements. In January 2002, MBNA and
MBNA Corporation were added as defendants in the matter. The plaintiffs claim that the defendants conspired in violation of
the antitrust laws to charge foreign currency conversion fees and failed to properly disclose the fees in solicitations and
applications, initial disclosure statements and cardholder statements, in violation of the Truth-in-Lending Act. The
plaintiffs also claim that the bank defendants and MasterCard and Visa conspired to charge the 1% foreign currency
conversion fee assessed by MasterCard and Visa and an additional fee assessed by some issuers. In the United States MBNA
did not charge the additional fee on consumer credit cards in addition to the fee charged by MasterCard and Visa. However,
MBNA did charge such an additional fee on business credit cards. The plaintiffs are seeking unspecified monetary damages
and injunctive relief. In July 2003, the court granted a motion to dismiss certain Truth-in-Lending Act claims against
MBNA, MBNA Corporation and other defendants, but denied a motion to dismiss the antitrust claims against the defendants. In
October 2004, a class was certified by the court. MBNA and MBNA Corporation intend to defend this matter vigorously and
believe that the claim is without merit.
Arbitration Litigation
In August 2005, a purported class action lawsuit was filed in the United States District Court for the Southern
District of New York, alleging that several of the nation's largest credit card issuers illegally conspired to compel their
customers to submit disputes to an arbitrator rather than a court. MBNA, MBNA Corporation and MBNA (Delaware) Bank N.A. are
among the defendants named in the lawsuit. MBNA and its affiliates deny the claims made in the lawsuit and intend to defend
the matter vigorously.
MBNA and its affiliates are commonly subject to various pending or threatened legal proceedings, including certain
class actions, arising out of the normal course of business. In view of the inherent difficulty of predicting the outcome
of such matters, MBNA cannot state what the eventual outcome of these matters will be.
Item 4. Submission Ofof Matters To Ato a Vote Ofof Security Holders.
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None
PART II
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Item 5. Market Forfor Registrant's Common Equity, Related Stockholders
- ------- And Related Stockholder Matters.
--------------------------------Matters and Issuer Purchases of Equity Securities.
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The Certificates of each series representing investors' interests in the Trust are represented by a single Certificateone or
more Certificates registered in the name of Cede and Co., the nominee of The Depository Trust Company.
Item 6. Selected Financial DataData.
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Not Applicable
Item 7. Management's Discussion and Analysis of Financial Condition and
- ------- Results of OperationsOperations.
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Not Applicable
Item 7A. Quantitative and Qualitative Disclosure About Market RiskRisk.
- -------- -------------------------------------------------------------------------------------------------------------------
Not Applicable
Item 8. Financial Statements and Supplementary DataData.
- ------- ---------------------------------------------------------------------------------------
Not Applicable
Item 9. Changes In Andand Disagreements With Accountants Onon Accounting
- ------- Andand Financial Disclosure.
-----------------------------------------------------------
None
Item 9A. Controls and Procedures.
- -------- ------------------------
Not Applicable
Item 9B. Other Information.
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None
PART III
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Item 10. Directors and Executive Officers of the RegistrantRegistrant.
- -------- -----------------------------------------------------------------------------------------------------
Not Applicable
Item 11. Executive CompensationCompensation.
- -------- ---------------------------------------------
Not Applicable
PART III
--------
Item 12. Security Ownership Ofof Certain Beneficial Owners Andand Management
and Related Stockholder Matters.
- -------- -----------------------------------------------------------------------------------------------------------------------------
(a) The Certificates of each Series representing investors' interests in the Trust and are represented by one or more
Certificates registered in the name of Cede and Co., the nominee of The Depository Trust Company ("DTC"), and an investor
holding an interest in the Trust is not entitled to receive a Certificate representing such interest except in certain
limited circumstances. Accordingly, Cede and Co. is the sole holder of record of Certificates, which it heldholds on behalf of
brokers, dealers, banks and other direct participants in the DTC system at June 30, 2003.2005. Such direct participants may
hold Certificates for their own accounts or for the accounts of their customers. At June 30, 2003,2005, the following direct
DTC participants held positions in Certificates representing interests in the Trust equal to or exceeding 5% of the total
principal amount of the Certificates of eachone or more Series outstanding on that date.date, as indicated. The information on DTC
participants' held positions is provided by DTC.
Aggregate
Amount of Percentage
Title Certificates Of
Title / Class Name Held Ownership
- -------------- ---------------------------------------- --------------------------------- -------------------------------------------------------- --------------------- ----------
Series 1995-A1995-C Class AB Bank of New York (The) $29,605,000 5.92%
Deutsche Bank Trust Company Americas 47,910,000 9.58%
JPMorgan Chase Bank 209,904,000 41.96%
JPMorgan Chase Bank/Greenwich Capital 27,000,000 5.40%
Merrill Lynch, Pierce Fenner and Smith Safekeeping 30,796,000 6.16%
State Street Bank and Trust Company 73,875,000 14.77%
Class B Citibank, N.A. $ 8,000,000 30.92%
JPMorgan Chase Bank 7,875,000 30.43%
Mizuho Trust and Banking Co. (USA) 10,000,000 38.65%
Series 1995-C
Class A Bank of New York (The) $ 105,405,000 21.07%
Boston Safe Deposit and Trust Company 53,693,000 10.73%
JPMorgan Chase Bank 77,088,000 15.41%
Northern Trust Company (The) 26,114,000 5.22%
State Street Bank and Trust Company 70,950,000 14.18%
Union Bank of California, N.A. 41,850,000 8.37%
Wachovia Bank N.A. - Phila. Main 26,350,000 5.27%
Class B JPMorgan Chase Bank $ 25,875,000 100.00%
Series$25,875,000 100.0%
1996-B Class A Bank of New York (The) $ 92,705,000 21.31%$59,078,000 13.6%
Bank of New York (The) / Societe General Bank 31,170,000 7.2%
Citibank, N.A. 32,752,000 7.53%39,752,000 9.1%
Investors Bank and Trust - Institutional Custody 30,500,000 7.01%7.0%
JPMorgan Chase Bank 66,400,000 15.26%
Mizuho94,430,000 21.7%
Mellon Trust and Banking Co. (USA) 25,000,000 5.75%of New England, National Association 77,167,000 17.7%
State Street Bank and Trust Company 40,730,000 9.36%
UBS Securities LLC/CMO 30,000,000 6.90%
Wachovia Bank N.A. - Phila. Main 25,650,000 5.90%
Wells Fargo Bank Minnesota, N.A. 31,170,000 7.17%28,400,000 6.5%
1996-B Class B SSB - Bank Portfolio 22,500,000 100.00%
Series$22,500,000 100.0%
1996-G Class A Bank of New York (The) $ 46,575,000 10.96%
Boston Safe Deposit and Trust Company 70,575,000 16.61%
Citibank, N.A. 65,000,000 15.29%$40,000,000 9.4%
JPMorgan Chase Bank 140,495,000 33.06%
J.P. Morgan Securities Inc., - Fixed Income 22,365,000 5.26%
Merrill Lynch, Pierce Fenner and Smith Safekeeping 25,000,000 5.88%
Class B Boston Safe Deposit and Trust Company 5,000,000 13.33%
Deutsche Bank Trust Company Americas 5,000,000 13.33%
JPMorgan Chase Bank 5,000,000 13.33%
Merrill Lynch, Pierce Fenner and Smith Safekeeping 17,500,000 46.68%178,075,000 41.9%
State Street Bank and Trust Company 5,000,000 13.33%
Series 1996-J139,325,000 32.8%
1996-G Class A Boston Safe Deposit and Trust Company $ 55,753,000 6.56%
DeutscheB Bank Trust Company Americas 156,159,000 18.37%
JPMorgan Chase Bank/Broker and Dealer Clearance Department 43,468,000 5.11%of New York (The) $17,500,000 46.7%
JPMorgan Chase Bank 110,330,000 12.98%
JPMorgan Chase Bank/Greenwich Capital 182,350,000 21.45%5,000,000 13.3%
Mellon Trust of New England, National Association 5,000,000 13.3%
State Street Bank and Trust Company 192,357,000 22.63%
Class B JPMorgan Chase Bank $ 60,745,000 80.99%
State Street Bank and Trust Company 5,920,000 7.89%
Series 1996-K
Class A Bank of New York (The) $ 152,285,000 17.92%
Boston Safe Deposit and Trust Company 104,935,000 12.35%
Deutsche Bank Trust Company Americas 66,772,000 7.86%
HSBC Bank USA Omnibus 44,375,000 5.22%
JPMorgan Chase Bank 125,179,000 14.73%
Northern Trust Company (The) 87,050,000 10.24%
UBS AG 195,179,000 22.96%
Class B Boston Safe Deposit and Trust Company $ 20,000,000 26.67%
JPMorgan Chase Bank 50,000,000 66.67%
Series10,000,000 26.7%
1996-M Class A Bank of New York (The) $ 97,130,000 22.85%
Boston Safe Deposit$35,150,000 8.3%
Citibank, N.A. 40,300,000 9.5%
JPMorgan Chase Bank 133,945,000 31.5%
Mellon Trust of New England, National Association 149,265,000 35.1%
State Street Bank and Trust Company 51,000,000 12.00%
Citibank, N.A. 40,300,000 9.48%42,171,000 9.9%
1996-M Class B Bank of New York (The) $15,750,000 42.0%
Bank of Tokyo - Mitsubishi Trust Company 10,500,000 28.0%
JPMorgan Chase Bank 149,650,000 35.21%
Morgan Stanley and Co. Incorporated 30,850,000 7.26%
Class B Boston Safe Deposit and4,000,000 10.7%
Mellon Trust Company $ 11,250,000 30.00%
Deutsche Bank Trust Company Americas 15,750,000 42.00%
Bank of Tokyo-Mitsubishi Trust Company 10,500,000 28.00%
SeriesNew England, National Association 7,250,000 19.3%
1997-B Class A Bank Ofof New York (The) $150,800,000 17.74%
DBTC Americas/$140,800,000 16.6%
Deutsche Bank Frankfurt 99,650,000 11.72%Securities Inc. 45,000,000 5.3%
JPMorgan Chase Bank 506,350,000 59.57%496,000,000 58.4%
JPMorgan Chase Bank/Correspondence Clearing Services 2 110,000,000 12.9%
Merrill Lynch, Pierce Fenner and Smith Safekeeping 46,200,000 5.44%5.4%
1997-B Class B Bank of New York (The) $ 20,000,000 26.67%
Deutsche/ Bank of America Securities Ltd. $14,000,000 18.7%
Investors Bank and Trust Company Americas 30,800,000 41.07%6,000,000 8.0%
JPMorgan Chase Bank 10,000,000 13.33%
Morgan Stanley and Co. Incorporated 5,000,000 6.67%
UMB Bank, National Association 5,000,000 6.67%
Wells Fargo Bank Minnesota, N.A. 4,200,000 5.59%
Series 1997-C
Class A Bank of New York (The) $159,905,000 25.08%
Deutsche Bank Trust Company Americas 61,535,000 9.65%
JPMorgan Chase Bank/Broker and Dealer Clearance Department 40,000,000 6.27%
JPMorgan Chase Bank 117,575,000 18.44%13.3%
State Street Bank and Trust Company 122,242,000 19.18%
Wachovia Securities, LLC/Custody 61,675,000 9.67%
Class B35,800,000 47.7%
UMB Bank, of New York (The) $ 8,800,000 15.64%National Association 5,000,000 6.7%
Wells Fargo Bank, One Trust Company, N.A. 5,000,000 8.89%
Boston Safe Deposit and Trust Company 37,000,000 65.78%
JPMorgan Chase Bank 5,450,000 9.69%
Series 1997-I
Class A Bank of New York (The) $ 110,457,000 17.33%
Deutsche Bank Trust Company Americas 52,470,000 8.23%
JPMorgan Chase Bank 106,158,000 16.65%
State Street Bank and Trust Company 82,332,000 12.91%
Class B JPMorgan Chase Bank $ 16,250,000 28.89%
Wachovia Securities, LLC/Custody 25,000,000 44.44%
State Street Bank and Trust Company 15,000,000 26.67%
Series 1997-J
Class A Bank of New York (The) $ 224,875,000 35.27%
Barclays Capital,Inc. / Fixed Income 70,000,000 10.98%
Deutsche Bank Trust Company Americas 34,500,000 5.41%
JPMorgan Chase Bank 83,300,000 13.07%
State Street Bank and Trust Company 82,399,000 12.93%
Class B Boston Safe Deposit and Trust Company $ 26,250,000 46.67%
Citibank, N.A. 5,500,000 9.77%
JPMorgan Chase Bank 14,500,000 25.78%
SSB - Bank Portfolio 10,000,000 17.78%
SeriesNational Association 4,200,000 5.6%
1997-K Class A Bank of New York (The) $100,000,000 15.69%
Boston Safe Deposit and Trust Company 58,610,000 9.19%$107,500,000 16.9%
Citibank, N.A. 50,000,000 7.84%7.8%
JPMorgan Chase Bank 128,000,000 20.08%63,000,000 9.9%
JPMorgan Chase Bank / Prudential 65,000,000 10.2%
Mellon Trust of New England, National Association 48,610,000 7.6%
Northern Trust Company (The) 249,500,000 39.14%39.1%
1997-K Class B Boston Safe Deposit and Trust Company $ 3,000,000 5.33%Bank of New York (The) $10,000,000 17.8%
Citibank, N.A. 6,000,000 10.67%
Deutsche Bank Trust Company Americas 15,000,000 26.67%9,000,000 16.0%
JPMorgan Chase Bank 15,250,000 27.11%17,250,000 30.7%
State Street Bank and Trust Company 17,000,000 30.22%
Series 1998-D20,000,000 35.6%
1998-E Class A Bank of New York (The) $ 77,515,000 16.32%$51,285,000 6.8%
Citibank, N.A. 49,825,000 10.49%
Deutsche Bank Trust Company Americas 53,900,000 11.35%170,250,000 22.7%
JPMorgan Chase Bank 77,639,000 16.35%254,481,000 33.9%
Mellon Trust of New England, National Association 122,480,000 16.3%
State Street Bank and Trust Company 72,440,000 15.25%52,620,000 7.0%
U.S. Bank N.A. 86,000,000 11.5%
1998-E Class B Bank of New York (The) $9,500,000 14.4%
Bank of Tokyo - Mitsubishi Trust Company 20,000,000 30.2%
JPMorgan Chase Bank 13,150,000 19.9%
JPMorgan Chase Bank/Correspondence Clearing Services 2 23,000,000 34.7%
1998-F Class A Bank of New York (The) $84,122,000 19.8%
Barclays Global Investors N.A./Investors Bank and Trust Company 50,000,000 11.8%
Citibank, N.A. 31,853,000 7.5%
Investors Bank and Trust - Institutional 39,000,000 9.2%
JPMorgan Chase Bank 103,850,000 24.4%
State Street Bank and Trust Company 99,623,000 23.4%
1998-F Class B JPMorgan Chase Bank $37,500,000 100.0%
1998-G Class A Citibank, N.A. $49,000,000 7.7%
JPMorgan Chase Bank 246,205,000 38.6%
JPMorgan Chase Bank / Prudential 103,880,000 16.3%
State Street Bank and Trust Company 135,710,000 21.3%
1998-G Class B Bank of New York (The) $10,750,000 19.1%
JPMorgan Chase Bank 30,000,000 53.3%
State Street Bank and Trust Company 15,000,000 26.7%
1999-B Class A Bank of New York (The) $112,934,000 17.7%
JPMorgan Chase Bank 131,304,000 20.6%
Mellon Trust of New England, National Association 58,910,000 9.2%
Northern Trust Company (The) 43,789,000 6.9%
State Street Bank and Trust Company 142,709,000 22.4%
Union Bank of California, N.A. 32,885,000 5.2%
1999-B Class B Bank of New York (The) $7,000,000 12.4%
JPMorgan Chase Bank 26,250,000 46.7%
Mellon Trust of New England, National Association 10,000,000 17.8%
State Street Bank and Trust Company 11,000,000 19.6%
1999-D Class A Citibank Dealer - Tax Exempt Operations $50,000,000 11.8%
Citibank, N.A. 35,000,000 8.2%
JPMorgan Chase Bank 123,613,000 29.1%
JPMorgan Chase Bank/Correspondence Clearing Services 2 27,000,000 6.4%
Northern Trust Company (The) 53,880,000 12.7%
State Street Bank and Trust Company 106,773,000 25.1%
1999-D Class B Bank of New York (The) $21,000,000 56.0%
JPMorgan Chase Bank 15,607,000 41.6%
1999-J Class A Bank of New York (The) $131,688,000 15.5%
JPMorgan Chase Bank 211,778,000 24.9%
Mellon Trust of New England, National Association 112,915,000 13.3%
State Street Bank and Trust Company 235,004,000 27.6%
1999-J Class B Bank of New York (The) $9,202,000 12.3%
Citibank, N.A. 10,000,000 13.3%
JPMorgan Chase Bank 33,070,000 44.1%
JPMorgan Chase Bank / Prudential 4,100,000 5.5%
Mellon Trust of New England, National Association 15,750,000 21.0%
1999-L Class A Bank One Trust Company N.A. $34,905,000 5.5%
Brown Brothers Harriman and Co. 43,500,000 6.8%
JPMorgan Chase Bank 253,835,000 39.8%
Mellon Trust of New England, National Association 44,450,000 7.0%
Northern Trust Company (The) 35,887,000 5.6%
PNC Bank, National Association 47,992,000 7.5%
State Street Bank and Trust Company 123,386,000 19.4%
1999-L Class B Bank of New York (The) $11,250,000 20.0%
State Street Bank and Trust Company 45,000,000 80.0%
2000-D Class A Bank of New York (The) $80,619,000 11.2%
BNY/Sun Trust Bank 75,000,000 10.4%
Citibank, N.A. 95,500,000 13.2%
JPMorgan Chase Bank 57,763,000 8.0%
Mellon Trust of New England, National Association 140,704,000 19.5%
State Street Bank and Trust Company 181,426,000 25.1%
U.S. Bank N.A. 54,025,000 7.5%
2000-D Class B JPMorgan Chase Bank $58,750,000 92.2%
State Street Bank and Trust Company 5,000,000 7.8%
2000-E Class A Bank of New York (The) $84,795,000 17.0%
Citibank, N.A. 46,000,000 9.2%
JPMorgan Chase Bank 73,510,000 14.7%
Mellon Trust of New England, National Association 45,925,000 9.2%
Northern Trust Company (The) 29,905,000 6.0%
State Street Bank and Trust Company 165,325,000 33.1%
2000-E Class B Citibank, N.A. $23,750,000 52.8%
JPMorgan Chase Bank 21,250,000 47.2%
2000-G Class A Bank of New York (The) $118,335,000 18.6%
Citibank, N.A. 75,190,000 11.8%
State Street Bank and Trust Company 364,665,000 57.2%
2000-G Class B Bank of New York (The) $7,000,000 12.4%
Bank of Tokyo - Mitsubishi Trust Company 17,000,000 30.2%
JPMorgan Chase Bank 12,000,000 21.3%
Mellon Trust of New England, National Association 10,000,000 17.8%
State Street Bank and Trust Company 10,000,000 17.8%
2000-H Class A Bank of New York (The) $45,000,000 7.6%
Citibank, N.A. 55,000,000 9.3%
Deutsche Bank Securities Inc. 38,550,000 6.5%
JPMorgan Chase Bank 174,500,000 29.3%
JPMorgan Chase Bank/Correspondence Clearing Services 2 30,000,000 5.0%
State Street Bank and Trust Company 114,950,000 19.3%
U.S. Bank N.A. 137,000,000 23.0%
2000-H Class B JPMorgan Chase Bank $25,000,000 47.6%
JPMorgan Chase Bank/Correspondence Clearing Services 2 13,000,000 24.8%
PNC Bank, National Association 14,500,000 27.6%
2000-I Class A Investors Bank and Trust Company $94,989,000 11.2%
JPMorgan Chase Bank 265,454,000 31.2%
Northern Trust Company (The) 55,941,000 6.6%
SSB Trust Custody 50,595,000 6.0%
State Street Bank and Trust Company 155,951,000 18.3%
2000-I Class B Bank of New York (The) $75,000,000 100.0%
2000-K Class A Bank of New York (The) $124,379,000 19.5%
Citibank, N.A. 40,396,000 6.3%
JPMorgan Chase Bank 35,000,000 5.5%
Northern Trust Company (The) 126,675,000 19.9%
State Street Bank and Trust Company 231,745,000 36.4%
2000-K Class B Bank of New York (The) $20,000,000 35.6%
JPMorgan Chase Bank 30,000,000 53.3%
Wells Fargo Bank, National Association 6,250,000 11.1%
2000-L Class A Bank of New York (The) $87,841,000 20.7%
Citibank, N.A. 28,675,000 6.7%
JPMorgan Chase Bank 63,233,000 14.9%
Mellon Trust of New England, National Association 78,067,000 18.4%
State Street Bank and Trust Company 71,110,000 16.7%
Wachovia Bank N.A., Phila. Main 51,075,000 12.0%
2000-L Class B Bank of New York (The) $4,000,000 9.52%
Mizuho Trust and Banking Co. (USA) 10,000,000 23.81%
JPMorgan Chase Bank 15,000,000 35.71%
Bank One Trust Company, N.A. 12,000,000 28.57%
Series 1998-E
Class A Bank of New York (The) $255,000,000 34.00%
Banc of America Securities LLC 50,000,000 6.67%10.7%
Citibank, N.A. 106,250,000 14.17%
JPMorgan Chase Bank 92,305,000 12.31%
U.S. Bank N.A. 86,000,000 11.47%
Merrill Lynch, Pierce Fenner and Smith Safekeeping 124,045,000 16.54%
Class B Bank of New York (The) $ 9,500,000 14.35%
Bank of Tokyo-Mitsubishi Trust Company 20,000,000 30.21%
Citibank, N.A. 5,200,000 7.85%
JPMorgan Chase Bank 31,500,000 47.59%
Series 1998-F
Class A Bank of New York (The) $ 89,225,000 20.99%
Investors Bank and Trust-Institutional Custody 39,000,000 9.18%
JPMorgan Chase Bank 98,000,000 23.06%
Merrill Lynch, Pierce Fenner and Smith Safekeeping 50,000,000 11.76%
State Street Bank and Trust Company 72,140,000 16.97%
Class B JPMorgan Chase Bank $ 37,500,000 100.00%
Series 1998-G
Class A Bank of New York (The) $ 142,170 000 22.30%
Boston Safe Deposit and Trust Company 128,500,000 20.16%
Deutsche Bank Trust Company Americas 69,000,000 10.82%
JPMorgan Chase Bank 76,330,000 11.97%
SSB - Bank Portfolio 70,000,000 10.98%
U.S Bank N.A. 70,000,000 10.98%
Class B Bank of New York (The) $ 10,750,000 19.11%
Deutsche Bank Trust Company Americas 15,000,000 26.67%
JPMorgan Chase Bank 30,000,000 53.33%
Series 1998-J
Class A Bank of New York (The) $ 94,650,000 14.34%
Boston Safe Deposit and Trust Company 48,624,000 7.37%
Brown Brothers Harriman and Co. 45,096,000 6.83%
Deutsche Bank Trust Company Americas 35,411,000 5.37%
JPMorgan Chase Bank 70,397,000 10.67%
State Street Bank and Trust Company 101,408,000 15.36%
Class B Boston Safe Deposit and Trust Company $ 2,500,000 5.56%
Investors Bank and Trust Company 5,000,000 11.11%
JPMorgan Chase Bank 10,000,000 22.22%
SSB - Bank Portfolio 26,000,000 57.78%
Series 1999-A
Class A Bank of New York (The) $ 199,000,000 46.82%
Deutsche Bank Trust Company Americas 130,000,000 30.59%
JPMorgan Chase Bank 40,500,000 9.53%
Class B Deutsche Bank Trust Company Americas $ 23,850,000 63.60%
JPMorgan Chase Bank 12,250,000 32.67%
Series 1999-B
Class A Bank of New York (The) $ 97,787,000 15.34%
Boston Safe Deposit and Trust Company 40,450,000 6.35%
Citibank, N.A. 62,600,000 9.82%
Deutsche Bank Trust Company Americas 41,695,000 6.54%
JPMorgan Chase Bank 158,885,000 24.92%2,000,000 5.3%
Northern Trust Company (The) 40,377,000 6.33%
State Street Bank and Trust Company 71,880,000 11.28%
Class B Boston Safe Deposit and Trust Company $10,000,000 17.78%
JPMorgan Chase Bank 26,250,000 46.67%
State Street Bank and Trust Company 15,000,000 26.67%
UMB Bank, National Association 4,000,000 7.11%
Series 1999-D
Class A Citibank, N.A. $ 35,000,000 8.24%
Citibank Dealer-Tax Exempt Operations 50,000,000 11.76%
Deutsche Bank Trust Company Americas 77,815,000 18.31%
JPMorgan Chase Bank 151,025,000 35.54%
Morgan Stanley and Co. Incorporated 37,000,000 8.71%
U.S. Bank N.A. 50,875,000 11.97%
Class B Bank of New York (The) $ 11,000,000 29.33%
JPMorgan Chase Bank 15,000,000 40.00%
SSB - Bank Portfolio 10,000,000 26.67%
Series 1999-G
Class A Bank of New York (The) $99,785,000 15.65%
Boston Safe Deposit and Trust Company 52,540,000 8.24%
Deutsche Bank Trust Company Americas 143,140,000 22.45%
JPMorgan Chase Bank 64,315,000 10.09%
State Street Bank and Trust Company 90,890,000 14.26%
Class B Bank of New York (The) $ 9,710,000 17.26%
Boston Safe Deposit and Trust Company 3,400,000 6.04%
Merrill Lynch, Pierce Fenner and Smith Safekeeping 2,965,000 5.27%
Northern Trust Company (The) 5,550,000 9.87%
SSB - Bank Portfolio 25,760,000 45.80%
Series 1999-H
Class A Bank of New York (The) $ 52,750,000 6.21%
Boston Safe Deposit and Trust Company 77,000,000 9.06%
Deutsche Bank Trust Company Americas 50,000,000 5.88%
JPMorgan Chase Bank/Broker and Dealer Clearance Department 62,600,000 7.36%
JPMorgan Chase Bank 51,540,000 6.06%
Norther Trust Company (The) 111,584,000 13.13%
State Street Bank and Trust Company 386,608,000 45.48%
Class B Barclays Global Investors N.A./Investors Bank and Trust $ 10,000,000 13.33%
Boston Safe Deposit and Trust Company 12,200,000 16.27%
Bank of Tokyo-Mitsubishi Trust Company 15,000,000 20.00%
JPMorgan Chase Bank 10,000,000 13.33%
Mizuho Trust and Banking Co. (USA) 20,000,000 26.67%
State Street Bank and Trust Company 6,000,000 8.00%
Series 1999-J
Class A Bank of New York (The) $ 90,547,000 10.65%
Boston Safe Deposit and Trust Company 153,888,000 18.10%
Deutsche Bank Trust Company Americas 56,591,000 6.66%
JPMorgan Chase Bank 226,219,000 26.61%
State Street Bank and Trust Company 165,422,000 19.46%
Class B Bank of New York (The) $ 12,985,000 17.31%
Boston Safe Deposit and Trust Company 21,810,000 29.08%
CitiBank, N.A. 10,000,000 13.33%
JPMorgan Chase Bank 17,700,000 23.60%
Morgan Stanley and Company Incorporated 8,200,000 10.93%
Series 1999-L
Class A Bank One Trust Company, N.A. $ 34,905,000 5.48%
Brown Brothers Harriman and Co. 41,000,000 6.43%
Dresdner Kleinwort Wasserstein Securities LLC 60,860,000 9.55%
JPMorgan Chase Bank 271,000,000 42.51%
U.S. Bank N.A. 80,548,000 12.63%
Class B Deutsche Bank Trust Company Americas $ 36,250,000 64.44%
Mizuho Trust and Banking Co. (USA) 20,000,000 35.56%
Series 1999-M
Class A Bank of New York (The) $ 30,040,000 7.07%
Boston Safe Deposit and Trust Company 33,120,000 7.79%
Brown Brothers Harriman and Co. 39,500,000 9.29%
JPMorgan Chase Bank 176,560,000 41.54%
State Street Bank and Trust Company 58,670,000 13.80%
Class B Citibank, N.A. $ 20,050,000 53.47%
JPMorgan Chase Bank 15,150,000 40.40%
U.S. Bank N.A. 2,250,000 6.00%
Series 2000-A
Class A Bank of New York (The) $ 105,985,000 16.63%
Boston Safe Deposit and Trust Company 41,810,000 6.56%
DBTC Americas/Suntrust Portfolio 50,000,000 7.84%
JPMorgan Chase Bank 196,717,000 30.86%
State Street Bank and Trust Company 61,605,000 9.66%
Class B Bank of New York (The) $ 10,000,000 17.78%
Citibank, N.A. 5,000,000 8.89%
Deutsche Bank Trust Company Americas 5,500,000 9.78%
JPMorgan Chase Bank 24,100,000 42.84%
State Street Bank and Trust Company 10,650,000 18.93%
Series 2000-C
Class A JPMorgan Chase Bank $ 392,975,000 30.82%
State Street Bank and Trust Company 362,300,000 28.42%
UBS AG 288,000,000 22.59%
Wachovia Securities, LLC/Custody 76,000,000 5.96%
Class B Deutsche Bank Trust Company Americas $ 12,800,000 11.38%
JPMorgan Chase Bank 30,500,000 27.11%
SSB - Bank Portfolio 67,000,000 59.56%
Series 2000-D
Class A Bank of New York (The) $ 194,027,000 26.85%
Citibank, N.A. 101,250,000 14.01%
DBTC Americas/Sun Trust Bank 75,000,000 10.38%
JPMorgan Chase Bank 126,431,000 17.50%
State Street Bank and Trust Company 43,497,000 6.02%
U.S. Bank N.A. 77,710,000 10.76%
Class B JPMorgan Chase Bank $ 50,750,000 79.61%
Mizuho Trust and Banking Co. (USA) 13,000,000 20.39%
Series 2000-E
Class A Bank of New York (The) $ 54,290,000 10.86%
Boston Safe Deposit and Trust Company 119,530,000 23.91%
JPMorgan Chase Bank 68,430,000 13.69%
JPMorgan Chase Bank/Correspondence Clearing Services 2 30,000,000 6.00%
Northern Trust Company (The) 88,560,000 17.71%
State Street Bank and Trust Company 80,995,000 16.20%
Clase B Citibank, N.A. $ 23,750,000 52.78%
JPMorgan Chase Bank 21,250,000 47.22%
Series 2000-F
Class A Bank of Tokyo-Mitsubishi Trust Company $750,000,000 100.00%
Class B Bank of Tokyo-Mitsubishi Trust Company $ 33,000,000 49.85%
Deutsche Bank Trust Company Americas 33,200,000 50.15%
Series 2000-G
Class A Bank of New York (The) $111,700,000 17.52%
Boston Safe Deposit and Trust Company 145,000,000 22.75%
State Street Bank and Trust Company 311,950,000 48.93%
Class B Boston Safe Deposit and Trust Company $ 10,000,000 17.78%
Bank of Tokyo-Mitsubishi Trust Company 17,000,000 30.22%
JPMorgan Chase Bank 7,000,000 12.44%2,500,000 6.7%
State Street Bank and Trust Company 10,000,000 17.78%
SSB - Bank Portfolio 12,000,000 21.33%
Series 2000-H
Class A Bank of New York (The) $ 45,000,000 7.56%
Citibank N.A. London (GATS) 37,500,000 6.30%
Citibank, N.A. 55,000,000 9.25%
Deutsche Bank Trust Company Americas 135,500,000 22.77%
JPMorgan Chase Bank 205,500,000 34.54%
JPMorgan Chase Bank/Correspondence Clearing Services 2 30,000,000 5.04%
U.S. Bank N.A. 86,500,000 14.54%
Class B JPMorgan Chase Bank 52,500,000 100.00%
Series 2000-I
Class A Bank of New York (The) $ 118,938,000 13.99%
Deutsche Bank Trust Company Americas 53,280,000 6.27%
DBTC Americas/Suntrust Portfolio 49,223,000 5.79%
JPMorgan Chase Bank 229,139,000 35.19%
Northern Trust Company (The) 72,090,000 8.48%
SSB - Bank Portfolio 50,850,000 5.98%
Class B Bank of New York (The) $ 75,000,000 100.00%
Series 2000-K
Class A Bank of New York (The) $ 137,604,000 21.58%
State Street Bank and Trust Company 175,549,000 27.54%
UBS AG 196,500,000 30.82%
Class B Bank of New York (The) $ 20,000,000 35.55%
Deutsche Bank Trust Company Americas 8,750,000 15.56%
JPMorgan Chase Bank 21,250,000 37.78%
Wells Fargo Bank Minnesota, N.A. 6,250,000 11.11%
Series 2000-L
Class A Bank of New York (The) $ 71,764,000 16.89%
Boston Safe Deposit and Trust Company 64,965,000 15.29%
Citibank, N.A. 25,000,000 5.88%
Deutsche Bank Trust Company Americas 94,751,000 22.29%
JPMorgan Chase Bank 60,800,000 14.31%26.7%
Wachovia Bank N.A. - Phila. Main 51,075,000 12.02%
Class B Bank of New York (The) $ 4,000,000 10.67%
JPMorgan Chase Bank 33,250,000 88.67%
Series18,750,000 50.0%
2001-A Class A Bank of New York (The) $ 228,000,000 21.46%$218,000,000 20.5%
Citibank Dealer-TaxDealer - Tax Exempt Operations 63,800,000 6.00%
Deutsche Bank Securities Inc. 250,000,000 23.53%6.0%
Citibank, N.A. 100,500,000 9.5%
JPMorgan Chase Bank 327,580,000 30.83%308,900,000 29.1%
Northern Trust Company (The) 63,250,000 6.0%
State Street Bank and Trust Company 147,600,000 13.89%261,600,000 24.6%
2001-A Class B Bank of New York (The) $ 10,750,000 11.47%
Boston Safe Deposit and Trust Company 28,000,000 29.87%$78,750,000 84.0%
JPMorgan Chase Bank 15,000,000 16.00%
Merrill Lynch, Pierce Fenner and Smith Safekeeping 40,000,000 42.66%
Series16.0%
2001-B Class A Bank of New York (The) $ 222,450,000 34.89%
DBTC Americas/$194,000,000 30.4%
Deutsche Bank Frankfurt 60,000,000 9.41%
JP MorganSecurities Inc. 40,250,000 6.3%
JPMorgan Chase Bank 208,500,000 32.71%223,000,000 35.0%
U.S. Bank N.A. 60,000,000 9.41%120,000,000 18.8%
2001-B Class B Bank of New York (The) $ 5,000,000 8.89%
Deutsche Bank Trust Company Americas 31,250,000 55.55%
JP Morgan$36,250,000 64.4%
JPMorgan Chase Bank 20,000,000 35.56%
35.6%
The address of each of the above participants is:
C/O The Depository Trust Company
55 Water Street
New York, NY 10041
(b) Not Applicable
(c) Not Applicable
Item 13. Certain Relationships and Related TransactionsTransactions.
- -------- ---------------------------------------------------------------------------------------------
None
Item 14. ControlsPrincipal Accounting Fees and ProceduresServices.
- -------- -------------------------------------------------------------------------------------
Not Applicable
PART IV
-------
Item 15. Exhibits, Financial Statement Schedules, And Reports On Form 8-KSchedules.
- -------- ---------------------------------------------------------------------------------------------------------------------------------
(a) The following documents are filed as part of this Report:
3. Exhibits:
31. Certification
99.01 Annual Accountant's reports dated August 15, 20032005 with respect to, Series 1995-A, Series 1995-C, Series 1996-B, Series
1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-I, Series 1997-J, Series 1997-K,
Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-J, Series 1999-A, Series 1999-B,
Series 1999-D,
Series 1999-G, Series 1999-H, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-C, Series 2000-D, Series 2000-E, Series 2000-F, Series 2000-G, Series 2000-H, Series
2000-I, Series 2000-K, Series 2000-L, Series 2001-A, and Series 2001-B.
99.02 Annual Servicer's Certificate dated August 15, 20032005 with respect to Series 1995-A, Series 1995-C, Series 1996-B, Series
1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-I, Series 1997-J, Series 1997-K,
Series 1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-J, Series 1999-A, Series 1999-B,
Series 1999-D,
Series 1999-G, Series 1999-H, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-C, Series 2000-D, Series 2000-E, Series 2000-F, Series 2000-G, Series 2000-H, Series
2000-I, Series 2000-K, Series 2000-L, Series 2001-A, and Series 2001-B.
(b) Forms 8-K were filed by the registrant during the quarter ended June 30, 2003. These reports filed on April 15,
2003, May 14, 2003, June 16, 2003, June 19, 2003, June 24, 2003, and June 30, 2003 included the following:
Item 2. Acquisition or Disposition of Assets
Item 5. Other Events
Item 7. Financial Statements, Pro Forma Financial
Information and Exhibits
Item 8. Change in Fiscal Year
(c) See item 15(a) (3) above.
(c) Not Applicable
SIGNATURES
----------
Pursuant to the requirements of Section 13 or 15(d) 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.
MBNA Master Credit Card Trust II (Registrant)
By: MBNA America Bank, National Association
As Servicer
Date: September 30, 200322, 2005 By: /s/ Douglas O. Hart
-------------------------------
Douglas O. Hart
Senior Executive Vice President