UNITED STATES
                              SECURITIES AND EXCHANGE COMMISSION
                                    WASHINGTON, DC   20549

                                         FORM 10-K




(Mark One)
|_| ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934

                                        or

|X| TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

FOR THE FISCAL YEAR ENDED:                    COMMISSION FILE NUMBER:
    December 31, 2001                                 333-59424For Transition period January 1, 2003 through June 30, 2003.
                      --------------------------------------

Commission file number: 000-20949


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION,
                                 ON BEHALF OF
                        MBNA MASTER CREDIT CARD TRUST II
         (Issuer in respect of the MBNA Master Credit Card Trust II
                   Fixed and Floating Rate Asset Backed Certificates)

            (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.)


                              Wilmington, DE. 19884-0781

             (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 1995-E, Series 1995-J, Series 1996-A, Series 1996-E, Series 1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series
1997-E, Series 1997-F, Series 1997-I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1998-A, Series 1998-D, Series 1999-B, Series 1999-D, Series 1999-E, Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J,
Series 1999-M, Series 2000-A, Series 2000-E, Series 2000-I, Series 2000-L, Series 2001-A, and Series 2001-B.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  [ ]

STATE THE AGGREGATE MARKET VALUE OF THE VOTING STOCK HELD BY NON-AFFILIATES OF THE REGISTRANT.

TheIndicate 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 II 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
                                      -----------------

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 1995-E, Series 1995-J, Series 1996-A, Series 1996-B, Series 1996-E, Series 1996-G, Series
1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-E, Series 1997-F, Series 1997-I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1998-A, Series 1998-C,  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-E, Series 1999-G, Series
1999-H, Series 1999-I, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-B, 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.2001-B Supplements dated as of
March 22, 1995, June 29, 1995, August 2, 1995,
November 21, 1995, February 28, 1996, March 26, 1996, May 21, 1996, July 17, 1996, September 19, 1996, October 24, 1996, November 26, 1996, February 27,
1997, March 26, 1997, May 8, 1997, June 18, 1997, August 26, 1997, September 10, 1997, October 22, 1997, November 6, 1997, March 18, 1998, June 24, 1998, 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 7, 1999, July 29, 1999, August 18, 1999, September 8, 1999, September 23,
1999, November 5, 1999, December 1, 1999, March 6, 2000, March 28,8, 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 1995-E, Series 1995-J, Series 1996-A, Series 1996-B, Series
1996-E, Series 1996-G, Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-E,
Series 1997-F, Series 1997-I,
Series 1997-J, Series 1997-K, Series 1997-M, Series 1998-A, Series 1998-C, 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-E, Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-B, 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.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.  The Certificates do not represent obligations of or interestsinterest in MBNA.  In November 1988, MBNAthe
Originator.  The Originator has made application underpursuant to Section 12 (h) of the Securities Exchange Act of 1934 for an exemption
from certain reporting requirements.  On December 30, 1988, the staffPursuant to an Order of the Securities and Exchange Commission's Division of Corporation Finance granted MBNA's exemption request, pursuant to which MBNACommission dated December 30, 1988 granting
Originator's application, Originator is not required to respond to various items of Form 10-K.  Such items are designated herein as
"Not Applicable".


                                     PART I
                                     ------


Item 1.   Business
- -------   --------

          Not Applicable


Item 2.   Properties
- -------   ----------

          Not Applicable


Item 3.   Legal Proceedings
- -------   -----------------

          None


Item 4.   Submission Of Matters To A Vote Of Security Holders.
- -------   ----------------------------------------------------

          None


                                     PART II
                                     -------


Item 5.   Market For Registrant's Common Equity
- -------   And Related Stockholder Matters.
          --------------------------------

          The Certificates representing investors' interests in the Trust
          are represented by a single Certificate registered in the name of
          Cede &and Co., the nominee of The Depository Trust Company.




Item 6.   Selected Financial Data
- -------   -----------------------

          Not Applicable

Item 7.   Management's Discussion and Analysis of Financial Condition and
- -------   Results of Operations
          ---------------------------------------------------------------

          Not Applicable

Item 7A.  Quantitative and Qualitative Disclosure About Market Risk
- --------  ---------------------------------------------------------

          Not Applicable

Item 8.   Financial Statements and Supplementary Data
- -------   -------------------------------------------

          Not Applicable

Item 9.   Changes In And Disagreements With Accountants On Accounting
- -------   And Financial Disclosure.
          -----------------------------------------------------------

          None

Item 10.  Directors and Executive Officers of the Registrant
- --------  --------------------------------------------------

          Not Applicable

Item 11.  Executive Compensation
- --------  ----------------------

          Not Applicable


                                    PART III
                                    --------


Item 12.  Security Ownership Of Certain Beneficial Owners And Management
- --------  --------------------------------------------------------------

   (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 held on behalf of brokers, dealers, banks and other direct participants
in the DTC system at December
31, 2001.June 30, 2003.  Such direct participants may hold Certificates for their own accounts or for the accounts of
their customers.  At December 31, 2001,June 30, 2003, 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 each Series outstanding on that date:date. The
information on DTC participants' held positions is provided by DTC.






                                                                                                        Aggregate
                                                                                                        Amount of             Percentage
   Title                                                                                                Certificates             Of
   Class                                   Name                                                          Held                 Ownership
- -----------------------------             ----------------------------------------                                ----------------         ------------
      Series 1994-C
         Class A           Bank of New York (The)                                                      $ 85,718,000                 9.85%
                           Bankers Trust Company                                                         81,900,000                 9.41%
                           Chase Manhattan Bank                                                         275,675,000                31.69%
                           Deutsche Bank A.G., New York Branch                                           65,380,000                 7.51%
                           State Street Bank and Trust Company                                          182,045,000                20.92%
         Class B           Bank One Trust Company, N.A.                                                $ 14,000,000                31.11%
                           Chase Manhattan Bank                                                          18,250,000                40.56%
                           State Street Bank and Trust Company                                            5,065,000                11.26%
                           SSB - Bank Portfolio                                                           7,000,000                15.56%----------

Series 1995-A
   Class A
                           Bank of New York (The)                                                       $28,000,000                 5.60%
                           Bankers$29,605,000              5.92%
                           Deutsche Bank Trust Company 95,350,000                19.06%
                           Boston Safe Deposit and Trust Company                                         39,000,000                 7.80%
                           Citibank, N.A.                                                                35,000,000                 7.00%Americas                                          47,910,000              9.58%
                           JPMorgan Chase Bank                                                          121,139,000                24.22%209,904,000             41.96%
                           JPMorgan Chase Bank/Greenwich Capital                                         27,000,000              5.40%
                           Merrill Lynch, Pierce Fenner &and Smith Safekeeping                              30,211,000                 6.04%30,796,000              6.16%
                           State Street Bank and Trust Company                                           43,500,000                 8.70%73,875,000             14.77%
    Class B                Bankers Trust Company                                                         $5,000,000                19.32%
                           Citibank, N.A.                                                               $ 8,000,000             30.92%
                           JPMorgan Chase Bank                                                            2,875,000                11.11%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)                                                     $ 140,003,000                27.99%

                           Bank One Trust Company, N.A.                                                  26,807,000                 5.36%105,405,000             21.07%
                           Boston Safe Deposit and Trust Company                                         58,325,000                11.66%53,693,000             10.73%
                           JPMorgan Chase Bank                                                           34,230,000                 6.84%77,088,000             15.41%
                           Northern Trust Company (The)                                                  27,190,000                 5.44%26,114,000              5.22%
                           State Street Bank and Trust Company                                           94,145,000                18.82%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 One Trust Company, N.A.                                                         $ 25,875,000            100.00%

Series 1995-E1996-B
    Class A                Bank of New York (The)                                                      $ 80,475,000                18.50%
                           Bankers92,705,000             21.31%
                           Citibank, N.A.                                                                32,752,000              7.53%
                           Investors Bank and Trust Company                                                         72,797,000                16.73%- Institutional Custody                                30,500,000              7.01%
                           JPMorgan Chase Bank                                                           100,625,000                23.13%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                              50,000,000                11.49%
                           State Street Bank and Trust Company                                           68,950,000                15.85%
         Class B           Bank One Trust Company, N.A.                                                $ 12,500,000                55.56%
                           CitiBank, N.A.                                                                10,000,000                44.44%

      Series 1995-J
         Class A           Bankers Trust Company                                                       $ 33,750,000                 7.76%
                           Boston Safe Deposit and Trust Company                                         29,900,000                 6.87%
                           JPMorgan Chase Bank                                                          145,085,000                33.35%
                           JPMorgan Chase Bank/Greenwich Capital                                         36,500,000                 8.39%66,400,000             15.26%
                           Mizuho Trust &and Banking Co. (USA)                                              25,000,000              5.75%
                           State Street Bank and Trust Company                                           71,320,000                16.40%
                           U.S.40,730,000              9.36%
                           UBS Securities LLC/CMO                                                        30,000,000              6.90%
                           Wachovia Bank N.A./Trust West                                                     25,000,000                 5.75%
         Class B           Bank One Trust Company, N.A.                                                $ 22,500,000               100.00%

      Series 1996-A
         Class A           Bank of New York (The)                                                      $216,200,000                35.50%
                           Bankers Trust Company                                                         77,500,000                12.73%
                           JPMorgan Chase Bank                                                          133,150,000                21.86%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                              50,000,000                 8.21%
         Class B           Citibank, N.A.                                                              $ 15,000,000                47.62%
                           Mizuho Trust & Banking Co. (USA)                                              16,500,000                52.38%

      Series 1996-B
         Class A           Boston Safe Deposit and Trust Company                                       $ 97,600,000                22.44%
                           Citibank, N.A.                                                                39,857,000                 9.16%
                           Investors Bank & Trust - Institutional Custody                                30,500,000                 7.01%
                           JPMorgan Chase Bank                                                           76,130,000                17.50%
                           Mizuho Trust & Banking Co. (USA)                                              25,000,000                 5.75%
                           State Street Bank and Trust Company                                           25,300,000                 5.82%
                           United States Trust Company of New York                                       39,800,000                 9.15%Phila. Main                                              25,650,000              5.90%
                           Wells Fargo Bank Minnesota, N.A.                                              31,170,000              7.17%
    Class B                Bankers Trust Company                                                       $SSB - Bank Portfolio                                                          22,500,000            100.00%

      Series 1996-C
         Class A           Bank of New York (The)                                                      $ 24,415,000                 5.61%
                           Chase Manhattan Bank                                                         341,735,000                78.56%
                           Citibank, N.A.                                                                55,300,000                12.71%
         Class B           CitiBank, N.A.                                                                $2,000,000                 8.89%
                           State Street Bank and Trust Company                                           18,500,000                82.22%
                           USB Warburg LLC/CMO                                                            2,000,000                 8.89%
      Series 1996-D
         Class A           Bank of New York (The)                                                      $341,910,000                40.22%
                           Bankers Trust Company                                                        139,760,000                16.44%
                           Chase Manhattan Bank                                                          98,125,000                11.54%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                             42,5000,000                 5.00%
                           Northern Trust Company (The)                                                  42,645,000                 5.02%
                           State Street Bank and Trust Company                                          107,909,000                12.70%
         Class B           Chase Manhattan Bank                                                           5,000,000                 6.67%
                           Citibank, N.A.                                                                22,000,000                29.33%
                           Harris Trust & Savings Bank                                                    5,000,000                 6.67%
                           Investors Bank & Trust/M.F. Custody                                            8,000,000                10.67%
                           UBS Warburg LLC/CMO                                                           32,000,000                42.67%

      Series 1996-E
         Class A           State Street Bank and Trust Company                                        $ 190,885,000                29.94%
                           Bankers Trust Company                                                         67,924,000                10.65%
                           JPMorgan Chase Bank/CCSG                                                      60,000,000                 9.41%
                           JPMorgan Chase Bank                                                          169,828,000                26.64%
         Class B           Bankers Trust Company                                                         $8,450,000                15.02%
                           Boston Safe Deposit and Trust Company                                         15,500,000                27.56%
                           JPMorgan Chase Bank                                                            3,000,000                 5.33%
                           Citibank, N.A.                                                                22,800,000                40.53%
                           Harris Trust & Savings Bank                                                    5,000,000                 8.89%

Series 1996-G
    Class A                Bank of New York (The)                                                      $ 70,000,000                16.47%46,575,000             10.96%
                           Boston Safe Deposit and Trust Company                                         69,500,000                16.35%70,575,000             16.61%
                           Citibank, N.A.                                                                65,000,000             15.29%
                           JPMorgan Chase Bank                                                          103,000,000                24.24%
                           Citibank, N.A.                                                               117,500,000                27.65%140,495,000             33.06%
                           J.P. Morgan Securities Inc., - Fixed Income                                   22,365,000              5.26%
                           Merrill Lynch, Pierce Fenner &and Smith Safekeeping                              65,000,000                15.29%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                                                            15,000,000                40.00%5,000,000             13.33%
                           Merrill Lynch, Pierce Fenner &and Smith Safekeeping                              17,500,000             46.67%46.68%
                           State Street Bank and Trust Company                                            5,000,000             13.33%

Series 1996-H1996-J
    Class A                Boston Safe Deposit and Trust Company                                       $ 55,753,000              6.56%
                           Deutsche Bank Trust Company Americas                                         156,159,000             18.37%
                           JPMorgan Chase Bank/Broker and Dealer Clearance Department                      43,468,000              5.11%
                           JPMorgan Chase Bank                                                          110,330,000             12.98%
                           JPMorgan Chase Bank/Greenwich Capital                                        182,350,000             21.45%
                           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)                                                     $228,685,000                22.42%
                           Bankers Trust Company                                                        142,990,000                14.02%
                           Chase Manhattan Bank                                                         122,800,000                12.04%
                           Investors Bank & Trust Company                                                84,600,000                 8.29%
                           Northern Trust Company (The)                                                  69,420,000                 6.81%
                           Prudential Securities Custody                                                124,300,000                12.19%
                           State Street Bank and Trust Company                                           73,150,000                 7.17%
         Class B           Bank of New York (The)                                                      $ 35,400,000                39.33%
                           Bankers Trust Company                                                         29,400,000                32.67%152,285,000             17.92%
                           Boston Safe Deposit and Trust Company                                        6,050,000                 6.72%
                           Citibank, N.A.                                                                10,000,000                11.11%
                           UBS Warburg LLC/CMO                                                            8,250,000                 9.17%

      Series 1996-J
         Class A           Citibank, N.A.                                                              $ 67,635,000                 7.96%
                           Bankers104,935,000             12.35%
                           Deutsche Bank Trust Company 73,945,000                 8.70%
                           DeutscheAmericas                                          66,772,000              7.86%
                           HSBC Bank A.G., New York Branch                                           65,319,000                 7.68%USA Omnibus                                                         44,375,000              5.22%
                           JPMorgan Chase Bank                                                          120,420,000                14.17%
                           JPMorgan Chase Bank/Greenwich Capital                                        178,350,000                20.98%125,179,000             14.73%
                           Northern Trust Company (The)                                                  78,035,000                 9.18%
                           State Street Bank and Trust Company                                           99,627,000                11.72%
         Class B           JPMorgan Chase Bank                                                         $ 60,000,000                80.00%
                           Salomon Smith Barney Inc./Salomon Brothers                                    10,000,000                13.33%
                           State Street Bank and Trust Company                                            5,000,000                 6.67%

      Series 1996-K
         Class A           Bankers Trust Company                                                       $ 52,181,000                 6.14%
                           State Street Bank and Trust Company                                           54,005,000                 6.35%
                           JPMorgan Chase Bank                                                          117,365,000                13.81%
                           CitiBank, N.A.                                                               292,795,000                34.45%
                           HSBC Bank USA/Treasury Investment                                             44,375,000                 5.22%
                           Bank of New York (The)                                                       200,069,000                23.54%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%
                           Credit Suisse First Boston Corporation                                         4,000,000                 5.33%
                           JPMorgan Chase Bank                                                           45,000,000                60.00%
                           UBS Warburg LLC/CMO                                                            5,000,000                 6.67%50,000,000             66.67%

Series 1996-M
   Class A                 Bank of New York (The)                                                      $ 97,130,000             22.85%
                           Boston Safe Deposit and Trust Company                                         $ 51,000,000             12.00%
                           JPMorgan Chase Bank                                                          115,500,000                27.18%
                           Citibank, N.A.                                                                40,300,000              9.48%
                           JPMorgan Chase Bank/CCSG                                                      61,000,000                14.35%
                           Bank                                                          of New York (The)                                                        59,000,000                13.88%
                           UBS Warburg LLC/CMO                                                           46,600,000                10.96%
                           Wells Fargo Bank Minnesota, N.A.149,650,000             35.21%
                           Morgan Stanley and Co. Incorporated                                             30,850,000              7.26%
   Class B                 Boston Safe Deposit and Trust Company                                       $ 11,250,000             30.00%
                           Barclays Capital Inc./Barclays Capital Inc. Fixed IncomeDeutsche Bank Trust Company Americas                                          15,750,000             42.00%
                           Bank of Tokyo-Mitsubishi Trust Company                                        10,500,000             28.00%
Series 1997-B
   Class A                 JPMorgan Chase Bank                                                         $454,280,000                53.44%
                           JPMorgan Chase Bank/CCSG                                                      70,000,000                 8.24%
                           JPMorgan Chase Bank Correspondence Clearing Services 2                        88,070,000                10.36%
                           Deutsche Bank A.G., New York Branch                                           99,650,000                11.72%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                              46,200,000                 5.44%
                           Bank Of New York (The)                                                      59,800,000                 7.04%$150,800,000             17.74%
                           DBTC Americas/Deutsche Bank Frankfurt                                         99,650,000             11.72%
                           JPMorgan Chase Bank                                                          506,350,000             59.57%
                           Merrill Lynch, Pierce Fenner and Smith Safekeeping                              46,200,000              5.44%
   Class B                 Bank of New York (The)                                                      $ 10,000,000                13.33%
                           Bankers20,000,000             26.67%
                           Deutsche Bank Trust Company 50,800,000                67.74%Americas                                          30,800,000             41.07%
                           JPMorgan Chase Bank                                                           14,200,000                18.93%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           Bankers Trust Company                                                        $98,100,000                15.39%                 Bank of New York (The)                                                      38,385,000                 6.02%$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                                                          204,675,000                32.11%
                           Citibank, N.A.                                                               157,710,000                24.74%117,575,000             18.44%
                           State Street Bank and Trust Company                                          56,550,000                 8.87%122,242,000             19.18%
                           Wachovia Securities, LLC/Custody                                              61,675,000              9.67%
   Class B                 Boston Safe Deposit and Trust CompanyBank of New York (The)                                                       $ 50,750,000                90.22%8,800,000             15.64%
                           Bank One Trust Company, N.A.                                                   5,000,000              8.89%
                           Series 1997-E
         Class A           Bank of New York (The)                                                      $ 81,825,000                12.84%
                           Bankers Trust Company                                                         90,000,000                14.12%
                           Citibank, N.A.                                                                32,325,000                 5.07%
                           HSBC Bank USA/Treasury Investment                                             56,585,000                 8.88%
                           JPMorgan Chase Bank                                                           62,155,000                 9.75%
                           Prudential Securities Custody                                                133,265,000                20.90%
                           State Street Bank and Trust Company                                          106,485,000                16.70%
                           Wells Fargo Bank Minnesota, N.A.                                              35,000,000                 5.49%
         Class B           Bank One Trust Company, N.A.                                                $ 15,000,000                26.67%
                           Boston Safe Deposit and Trust Company                                         11,250,000                20.00%
                           Brown Brothers Harriman & Co.                                                  5,000,000                 8.89%37,000,000             65.78%
                           JPMorgan Chase Bank                                                            7,000,000                12.44%
                           State Street Bank and Trust Company                                            5,000,000                 8.89%
                           UBS Warburg LLC/CMO                                                            8,000,000                14.22%
                           Wells Fargo Bank Minnesota, N.A.                                               5,000,000                 8.89%

      Series 1997-F
         Class A           Bankers Trust Company                                                       $ 62,035,000                10.34%
                           JPMorgan Chase Bank                                                          146,084,000                24.35%
                           Northern Trust Company (The)                                                  59,494,000                 9.92%
         Class B           Bankers Trust Company                                                       $ 13,000,000                24.53%
                           Bank One Trust Company, N.A.                                                  10,000,000                18.87%
                           Boston Safe Deposit and Trust Company                                         10,000,000                18.87%
                           UBS Warburg LLC/CMO                                                           20,000,000                37.73%5,450,000              9.69%

Series 1997-I
   Class A                 Bank of New York (The)                                                     $ 132,652,000                20.81%
                           Bankers110,457,000             17.33%
                           Deutsche Bank Trust Company 75,487,000                11.84%
                           Boston Safe Deposit and Trust Company                                         41,183,000                 6.46%
                           Citibank, N.A.                                                                53,979,000                 8.47%Americas                                          52,470,000              8.23%
                           JPMorgan Chase Bank                                                          95,379,000                14.96%106,158,000             16.65%
                           State Street Bank and Trust Company                                           51,334,000                 8.05%82,332,000             12.91%
   Class B           First Union Securities, Inc.                                                 $ 5,000,000                 8.89%                 JPMorgan Chase Bank                                                         34,250,000                60.89%$ 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)                                                     $ 223,425,000                35.05%
                           Bankers Trust Company                                                         46,805,000                 7.34%
                           Barclay's224,875,000             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                                       44,550,000                 6.99%$ 26,250,000             46.67%
                           Citibank, N.A.                                                                 5,500,000              9.77%
                           JPMorgan Chase Bank                                                           84,775,000                13.30%
                           State Street14,500,000             25.78%
                           SSB - Bank and Trust Company                                           58,200,000                 9.13%
         Class B           Bankers Trust Company                                                       $ 15,000,000                26.67%
                           Boston Safe Deposit and Trust Company                                         15,000,000                26.67%
                           Citibank, N.A.                                                                26,250,000                46.66%Portfolio                                                          10,000,000             17.78%

Series 1997-K
   Class A                 Bank of New York (The)                                                      $105,025,000                16.47%$100,000,000             15.69%
                           Boston Safe Deposit and Trust Company                                         58,610,000              9.19%
                           Citibank, N.A.                                                                50,000,000              7.84%
                           JPMorgan Chase Bank                                                          73,450,000                11.52%
                           JPMorgan Chase Bank / CCSG                                                    65,000,000                10.20%128,000,000             20.08%
                           Northern Trust Company (The)                                                 252,330,000                39.58%
                           State Street Bank249,500,000             39.14%
   Class B                 Boston Safe Deposit and Trust Company                                        39,320,000                 6.17%
         Class B           Bankers Trust Company                                                       $ 15,000,000                26.67%3,000,000              5.33%
                           Citibank, N.A.                                                                 6,000,000             10.67%
                           InvestorsDeutsche Bank & Trust Company 5,000,000                 8.88%Americas                                          15,000,000             26.67%
                           JPMorgan Chase Bank                                                           15,250,000             27.11%
                           State Street Bank and Trust Company                                           15,000,000                26.67%

      Series 1997-M
         Class A           Bankers Trust Company                                                       $131,990,000                20.70%
                           Citibank, N.A.                                                                37,500,000                 5.88%
                           Harris Trust & Savings Bank                                                   50,000,000              7.84%

                           JPMorgan Chase Bank                                                          162,975,000                25.56%
                           State Street Bank and Trust Company                                          207,440,000                32.54%
         Class B           Boston Safe Deposit and Trust Company                                         $6,250,000                11.11%
                           JPMorgan Chase Bank                                                           50,000,000                88.89%

      Series 1998-A
         Class A           Bank of New York (The)                                                      $218,735,000                34.31%
                           Bankers Trust Company                                                        115,845,000                18.17%
                           JPMorgan Chase Bank                                                           76,000,000                11.92%
                           Northern Trust Company (The)                                                  32,247,000                 5.06%
                           First Union National Bank                                                     45,715,000                 7.17%
                           State Street Bank and Trust Company                                           50,183,000                 7.87%
         Class B           JPMorgan Chase Bank                                                         $ 56,250,000               100.00%

      Series 1998-C
         Class A           Bankers Trust Company                                                       $ 95,000,000                14.90%
                           Barclays Global Investors, N.A.                                              200,000,000                31.37%
                           JPMorgan Chase Bank                                                          167,500,000                26.22%
                           State Street Bank and Trust Company                                          140,300,000                22.01%
         Class B           Citibank, N.A.                                                                $7,500,000                 7.11%
                           JPMorgan Chase Bank                                                           44,750,000                79.56%17,000,000             30.22%

Series 1998-D
   Class A                 Bank of New York (The)                                                      $ 36,785,000                 7.74%
                           Bankers77,515,000             16.32%
                           Citibank, N.A.                                                                49,825,000             10.49%
                           Deutsche Bank Trust Company 119,645,000                25.19%
                           Boston Safe Deposit and Trust Company                                         28,200,000                 5.94%Americas                                          53,900,000             11.35%
                           JPMorgan Chase Bank                                                           116,589,000                24.55%77,639,000             16.35%
                           State Street Bank and Trust Company                                           33,170,000                 6.98%72,440,000             15.25%
   Class B                 JPMorgan Chase Bank $20,000,000                47.62%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)                                                      $750,000,000               100.00%$255,000,000             34.00%
                           Banc of America Securities LLC                                                50,000,000              6.67%
                           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                 BankersBank of New York (The)                                                       $ 9,500,000             14.35%
                           Bank of Tokyo-Mitsubishi Trust Company                                        $ 42,500,000                64.20%20,000,000             30.21%
                           Citibank, N.A.                                                                 5,200,000              7.85%
                           JPMorgan Chase Bank/CCSG                                                      23,700,000                35.80%Bank                                                           31,500,000             47.59%

Series 1998-F
    Class A                Bankers Trust Company                                                       $ 51,650,000                12.15%
                           Investors Bank & Trust Company                                                39,000,000                 9.18%
                           J P Morgan Chase Bank                                                         81,025,000                19.06%
                           United States Trust Company of New York 26,890,000                 6.33%(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                                           85,285,000                20.07%
                           Wells Fargo Bank Minnesota, N.A.                                              30,055,000                 7.07%72,140,000             16.97%
    Class B                J P MorganJPMorgan Chase Bank                                                         $ 37,500,000            100.00%

Series 1998-G
    Class A                Bankers Trust CompanyBank of New York (The)                                                     $ 79,000142,170 000             12.39%22.30%
                           Boston Safe Deposit and Trust Company                                        128,500,000             20.16%
                           Citibank, N.A.Deutsche Bank Trust Company Americas                                          69,000,000             10.82%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                             256,000,000                40.16%JPMorgan Chase Bank                                                           76,330,000             11.97%
                           SSB - Bank Portfolio                                                          70,000,000             10.98%
                           U.S Bank N.A./Trust West                                                                 70,000,000             10.98%
         Class B           Bankers Trust Company                                                       $ 46,250,000                82.22%
                           Bank One Trust Company, N.A.                                                  10,000,000                17.78%

      Series 1998-I
         Class A           Bank of New York (The)                                                      $224,569,000                35.23%
                           Chase Manhattan Bank                                                          87,360,000                13.70%
                           Fuji  Bank and Trust Company (The)                                            50,000,000                 7.84%
                           Investors Bank & Trust Company                                                32,900,000                 5.16%
                           Northern Trust Company (The)                                                  55,890,000                 8.77%
                           State Street Bank and Trust Company                                           91,015,000                14.28%
    Class B                Bank of New York (The)                                                      $3,000,000                 5.33%
                           Citibank, N.A.                                                                12,500,000                22.22%
                           Fuji$ 10,750,000             19.11%
                           Deutsche Bank and Trust Company (The)                                             25,000,000                44.45%
                           SSB -Americas                                          15,000,000             26.67%
                           JPMorgan Chase Bank                                                           Portfolio                                                          15,750,000                28.00%30,000,000             53.33%

Series 1998-J
    Class A                Bank of New York (The)                                                      $ 88,194,000                13.36%
                           Bankers Trust Company                                                         65,574,000                 9.94%94,650,000             14.34%
                           Boston Safe Deposit and Trust Company                                         90,141,000                13.66%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                                                           74,780,000                11.33%
                           Northern Trust Company (The)                                                  37,467,000                 5.68%70,397,000             10.67%
                           State Street Bank and Trust Company                                          105,551,000                15.99%101,408,000             15.36%
    Class B                Boston Safe Deposit and Trust Company                                        $ 18,200,000                40.44%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                                                          16,000,000                35.56%26,000,000             57.78%

Series 1999-A
    Class A                Bank of New York (The)                                                     $ 199,000,000             46.82%
                           BankersDeutsche Bank Trust Company 90,000,000                21.18%Americas                                         130,000,000             30.59%
                           JPMorgan Chase Bank                                                           80,500,000                18.94%40,500,000              9.53%
    Class B                BankersDeutsche Bank Trust Company Americas                                        $ 33,850,000                90.27%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                                         $ 138,445,000                21.72%40,450,000              6.35%
                           Citibank, N.A.                                                                62,600,000              9.82%
                           Deutsche Bank one Trust Company N.A./Public Employee Retirement                        56,007,000                 8.79%Americas                                          41,695,000              6.54%
                           JPMorgan Chase Bank                                                          92,625,000                14.53%
                           CitiBank, N.A.                                                                39,255,000                 6.16%158,885,000             24.92%
                           Northern Trust Company (The)                                                  36,970,000                 5.80%40,377,000              6.33%
                           State Street Bank and Trust Company                                           151,640,000                23.79%71,880,000             11.28%
    Class B                Boston Safe Deposit and Trust Company                                        $10,000,000             17.78%
                           JPMorgan Chase Bank                                                           23,750,000                42.22%26,250,000             46.67%
                           State Street Bank and Trust Company                                           14,000,000                24.89%15,000,000             26.67%
                           UMB Bank, National Association                                                 4,000,000              7.11%

Series 1999-D
     Class A               Bank of New York (The)Citibank, N.A.                                                              $ 30,000,000                 7.06%
                           Bankers35,000,000              8.24%
                           Citibank Dealer-Tax Exempt Operations                                         50,000,000             11.76%
                           Deutsche Bank Trust Company 92,600,000                21.79%
                           Investors Bank and Trust Company                                              25,000,000                 5.88%Americas                                          77,815,000             18.31%
                           JPMorgan Chase Bank                                                          39,700,000                 9.34%
                           JPMorgan Chase Bank/CCSG                                                      84,000,000                19.76%151,025,000             35.54%
                           Morgan Stanley and Co. Incorporated                                             37,000,000              8.71%
                           U.S. Bank N.A./Trust West                                                     70,000,000                16.47%
                           Wells Fargo Bank Minnesota, N.A.                                              37,000,000                 8.71%
         Class B           JPMorgan Chase Bank                                                         $ 36,000,000                96.00%

      Series 1999-E
         Class A           Bank of New York (The)                                                      $ 80,000,000                 9.41%
                           Bankers Trust Company                                                         47,000,000                 5.53%
                           Boston Safe Deposit and Trust Company                                        195,000,000                22.94%
                           JPMorgan Chase Bank                                                          105,000,000                12.35%
                           Deutsche Bank A.G., New York Branch                                           54,000,000                 6.35%
                           Northern Trust Company (The)                                                 189,000,000                22.24%
                           State Street Bank and Trust Company                                          105,000,000                12.35%
                           United States Trust Company of New York                                       75,000,000                 8.83%                                                                50,875,000             11.97%
     Class B               Bank of New York (The)                                                      $ 3,850,000                 5.13%
                           Bankers Trust Company                                                         20,000,000                26.67%
                           Boston Safe Deposit and Trust Company                                         27,500,000                36.67%11,000,000             29.33%
                           JPMorgan Chase Bank                                                           20,650,000                27.53%15,000,000             40.00%
                           SSB - Bank Portfolio                                                          10,000,000             26.67%

Series 1999-G
     Class A               Bank of New York (The)                                                       $45,815,000                 7.19%
                           Bankers Trust Company                                                        178,850,000                28.05%$99,785,000             15.65%
                           Boston Safe Deposit and Trust Company                                         39,645,000                 6.22%52,540,000              8.24%
                           Deutsche Bank Trust Company Americas                                         143,140,000             22.45%
                           JPMorgan Chase Bank                                                           85,745,000                13.45%64,315,000             10.09%
                           State Street Bank and Trust Company                                           81,195,000                12.74%90,890,000             14.26%
     Class B               Bank of New York (The)                                                       $ 12,905,000                22.94%
                           JPMorgan Chase Bank                                                           11,675,000                20.76%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)                                                   2,850,000                 5.07%5,550,000              9.87%
                           SSB - Bank Portfolio                                                          23,910,000                42.51%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                                                           $ 63,466,000                 7.47%
                           CitiBank, N.A.                                                               252,600,000                29.72%51,540,000              6.06%
                           Norther Trust Company (The)                                                  111,584,000             13.13%
                           State Street Bank and Trust Company                                          351,990,000                41.41%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                             127,000,000                14.94%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                                         $ 22,200,000                29.60%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%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                              10,000,000                13.33%
                           State Street Bank and Trust Company                                            6,000,000              8.00%

Series 1999-I1999-J
     Class A               Bank of New York (The)                                                  $ 80,281,000                12.59%
                           Northern Trust Company (The)                                                  58,050,000                 9.11%90,547,000                 10.65%
                           Boston Safe Deposit and Trust Company                                        32,890,000                 5.16%
                           Brown Brothers Harriman & Co.                                                 50,425,000                 7.91%153,888,000             18.10%
                           Deutsche Bank Trust Company Americas                                          56,591,000              6.66%
                           JPMorgan Chase Bank                                                          201,525,000                31.61%
                           CitiBank, N.A.                                                                52,600,000                 8.25%
         Class B           Bank of Tokyo-Mitsubishi Trust Company                                      $ 20,000,000                35.56%
                           JPMorgan Chase Bank                                                            8,070,000                14.35%
                           Bank of New York (The)                                                        27,043,000                48.08%

      Series 1999-J
         Class A           Bank of New York (The)                                                      $101,907,000                11.99%
                           Bank One Trust Company N.A./Public Employee Retirement                        88,000,000                10.35%
                           Bankers Trust Company                                                         94,450,000                11.11%
                           Boston Safe Deposit and Trust Company                                        155,719,000                18.32%
                           JPMorgan Chase Bank                                                          102,115,000                12.01%
                           Northern Trust Company (The)                                                  49,710,000                 5.85%226,219,000             26.61%
                           State Street Bank and Trust Company                                          115,912,000                13.64%165,422,000             19.46%
     Class B               Bank of New York (The)                                                      $ 13,735,000                18.31%12,985,000             17.31%
                           Boston Safe Deposit and Trust Company                                         20,810,000                27.75%21,810,000             29.08%
                           CitiBank, N.A.                                                                10,000,000             13.33%
                           JPMorgan Chase Bank                                                           12,500,000                16.67%
                           State Street Bank17,700,000             23.60%
                           Morgan Stanley and Trust Company 8,000,000                10.67%
                           All First Bank                                                                 5,000,000                 6.67%Incorporated                                          8,200,000             10.93%

Series 1999-L
     Class A               Bank of New York (The)                                                     $ 110,000,000                17.25%
                           Boston Safe Deposit andOne Trust Company, 182,000,000                28.55%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                                                          154,500,000                24.24%
                           Citibank, N.A.                                                                51,500,000                 8.08%271,000,000             42.51%
                           U.S. Bank N.A./Trust West                                                     93,400,000                14.65%                                                                80,548,000             12.63%
     Class B               BankersDeutsche 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                                         $ 24,930,000                 5.87%33,120,000              7.79%
                           Brown Brothers Harriman & Co                                                  37,500,000                 8.82%
                           Bankers Trust Company                                                         47,500,000                11.18%
                           Bank of New York (The)                                                        59,635,000                14.03%and Co.                                                 39,500,000              9.29%
                           JPMorgan Chase Bank                                                          104,670,000            24.63%176,560,000             41.54%
                           State Street Bank and Trust Company                                           72,830,000                17.14%58,670,000             13.80%
     Class B               Citibank, N.A.                                                              $ 20,050,000             53.47%
                           JPMorgan Chase Bank                                                           $ 15,150,000             40.40%
                           Citibank,U.S. Bank N.A.                                                                20,000,000                53.33%
                           State Street Bank and Trust Company                                                                 2,250,000              6.00%

Series 2000-A
     Class A               Bank of New York (The)                                                     $ 74,735,000                11.68%
                           Bankers Trust Company                                                        102,275,000                16.04%105,985,000             16.63%
                           Boston Safe Deposit and Trust Company                                         58,670,000                 9.20%
                           CitiBank, N.A.                                                                57,755,000                 9.06%41,810,000              6.56%
                           DBTC Americas/Suntrust Portfolio                                              50,000,000              7.84%
                           JPMorgan Chase Bank                                                          89,312,000                14.01%196,717,000             30.86%
                           State Street Bank and Trust Company                                           77,021,000                12.08%61,605,000              9.66%
     Class B               Bank of New York (The)                                                      $ 22,850,000                40.62%
                           Bankers10,000,000             17.78%
                           Citibank, N.A.                                                                 5,000,000              8.89%
                           Deutsche Bank Trust Company 10,000,000                17.78%
                           JPMorgan Chase Bank/CCSG                                                       5,000,000                 8.89%Americas                                           5,500,000              9.78%
                           JPMorgan Chase Bank                                                           6,750,000                12.00%24,100,000             42.84%
                           State Street Bank and Trust Company                                           10,650,000             18.93%

Series 2000-B2000-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)                                                     $ 193,138,000                30.30%
                           Bankers Trust Company                                                         96,896,000                15.20%
                           JPMorgan Chase Bank                                                          126,800,000                19.89%
                           CitiBank,194,027,000             26.85%
                           Citibank, N.A.                                                               39,010,000                 6.12%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                              38,570,000                 6.05%
                           State Street Bank and Trust Company                                           81,835,000                12.84%
         Class B           Bankers Trust Company                                                       $ 33,750,000                60.00%
                           Bank of New York (The)                                                         3,000,000                 5.33%
                           JPMorgan Chase Bank                                                           17,000,000                30.22%

      Series 2000-C
         Class A           Boston Safe Deposit and Trust Company                                       $272,980,000                21.41%
                           JPMorgan Chase Bank/CCSG                                                      65,000,000                 5.10%
                           JPMorgan Chase Bank                                                          210,525,000                16.51%
                           State Street Bank and Trust Company                                          523,255,000                41.04%
         Class B           Bankers Trust Company                                                       $ 30,000,000                26.67%
                           Bank One Trust Company, N.A.                                                  25,000,000                22.22%
                           JPMorgan Chase Bank                                                           55,500,000                49.33%

      Series 2000-D
         Class A           Boston Safe Deposit and Trust Company                                       $197,030,000                27.27%
                           Bank of New York (The)                                                        68,000,000                 9.41%
                           Bankers Trust Company/101,250,000             14.01%
                           DBTC Americas/Sun Trust Bank                                                  75,000,000             10.38%
                           JPMorgan Chase Bank                                                          80,375,000                11.12%
                           CitiBank, N.A.                                                                95,250,000                13.18%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                              58,900,000                 8.15%126,431,000             17.50%
                           State Street Bank and Trust Company                                           43,497,000              6.02%
                           U.S. Bank N.A./Trust West                                                     57,500,000                 7.96%                                                                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)                                                      $ 66,690,000                13.34%
                           Bankers Trust Company                                                         34,040,000                 6.81%54,290,000             10.86%
                           Boston Safe Deposit and Trust Company                                        94,395,000                18.88%119,530,000             23.91%
                           JPMorgan Chase Manhattan Bank                                                           79,875,000                15.98%68,430,000             13.69%
                           JPMorgan Chase Bank/Correspondence Clearing Services 2                        30,000,000              6.00%
                           Northern Trust Company (The)                                                  69,465,000                13.89%88,560,000             17.71%
                           State Street Bank and Trust Company                                           93,355,000                18.67%80,995,000             16.20%
     Clase B               Citibank, N.A.                                                              $ 23,750,000             52.78%
                           JPMorgan Chase Bank                                                           $ 21,250,000             47.22%
                           Citibank, N.A.                                                                 2,800,000                26.67%
                           LBI-Lehman Government Securities Inc. (LBI)                                   13,950,000                26.11%

Series 2000-F
     Class A               Bank of Tokyo-Mitsubishi Trust Company                                      $750,000,000            100.00%
     Class B               Bankers Trust Company                                                       $ 33,200,000                50.15%
                           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                                        $145,000,000145,000,000             22.75%
                           Citibank, N.A.                                                                85,000,000                13.33%
                           State Street Bank and Trust Company                                          316,700,000                49.68%
                           United States Trust Company of New York                                       60,000,000                 9.41%311,950,000             48.93%
     Class B           Bankers Trust Company                                                       $ 10,000,000                17.78%
                           Bank One Trust Company, N.A.                                                  12,000,000                21.33%               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%
                           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)                                                      $175,500,000                29.50%
                           Bear Stearns Securities Corp.                                                 36,000,000                 6.05%
                           Bank One Trust Company,$ 45,000,000              7.56%
                           Citibank N.A. 30,000,000                 5.04%London (GATS)                                                   37,500,000              6.30%
                           Citibank, N.A.                                                                55,000,000              9.24%
                           Bankers9.25%
                           Deutsche Bank Trust Company 48,500,000                 8.15%Americas                                         135,500,000             22.77%
                           JPMorgan Chase Bank                                                          178,000,000                29.92%
                           JpMorgan205,500,000             34.54%
                           JPMorgan Chase Bank/Correspondence Clearing Services 2                        57,000,000                 9.58%30,000,000              5.04%
                           U.S. Bank N.A.                                                                86,500,000             14.54%
     Class B               JPMorgan Chase Bank/CCSG                                                    $ 30,000,000                57.14%
                           JPMorgan Chase Bank                                                           22,500,000                42.86%52,500,000            100.00%

Series 2000-I
     Class A               Bank of New York (The)                                                     $ 100,441,000                11.82%
                           Bankers118,938,000             13.99%
                           Deutsche Bank Trust Company 168,326,000                19.80%
                           CitiBank, N.A.                                                                55,437,000                 6.52%
                           JP MorganAmericas                                          53,280,000              6.27%
                           DBTC Americas/Suntrust Portfolio                                              49,223,000              5.79%
                           JPMorgan Chase Bank                                                          82,077,000                 9.66%229,139,000             35.19%
                           Northern Trust Company (The)                                                  65,463,000                 7.70%
                           State Street Bank and Trust Company                                          112,504,000                13.24%
                           SSB - Trust Custody                                                           46,260,000                 5.44%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               JPMorgan Chase Bank of New York (The)                                                     $ 105,000,000                16.47%137,604,000             21.58%
                           State Street Bank and Trust Company                                          344,500,000                54.04%
                           Unites States Trust Company175,549,000             27.54%
                           UBS AG                                                                       196,500,000             30.82%
     Class B               Bank of New York 92,500,000                14.51%
         Class B           Bankers(The)                                                      $ 20,000,000             35.55%
                           Deutsche Bank Trust Company $Americas                                           8,750,000             15.55%15.56%
                           JPMorgan Chase Bank                                                           21,250,000             37.78%
                           Merrill Lynch, Pierce Fenner & Smith Safekeeping                              20,000,000                35.56%
                           Wells Fargo Bank Minnesota, N.A.                                               6,250,000             11.11%

Series 2000-L
     Class A               Bank of New York (The)                                                      $ 95,524,000                22.48%
                           Bankers Trust Company                                                       $ 49,370,000                11.62%71,764,000             16.89%
                           Boston Safe Deposit and Trust Company                                         58,545,000                13.78%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                                                           36,025,000                     8.48%
                           FUNB60,800,000             14.31%
                           Wachovia Bank N.A. - Phila. Main                                              28,250,000                 6.65%
                           PNC Bank National Association                                                 92,640,000                21.80%
                           Union51,075,000             12.02%
     Class B               Bank of California, N.A.                                                23,000,000                 5.41%
         Class BNew York (The)                                                       $ 4,000,000             10.67%
                           JPMorgan Chase Bank                                                           $ 14,500,000                38.67%
                           JPMorgan Chase Bank/CCSG                                                      23,000,000                61.33%33,250,000             88.67%

Series 2001-A
     Class A               Bank of New York (The)                                                     $ 228,000,000             21.46%
                           Citibank Dealer-Tax Exempt Operations                                         63,800,000              6.00%
                           Deutsche Bank Alex. BrownSecurities Inc.                                                250,000,000             23.53%
                           Boston Safe Deposit and Trust Company                                         95,500,000                 8.99%
                           JPMorgan Chase Bank                                                          295,500,000                27.81%327,580,000             30.83%
                           State Street Bank and Trust Company                                          137,000,000                12.89%
                           United States Trust Company147,600,000             13.89%
     Class B               Bank of New York 200,000,000                18.82%
         Class B(The)                                                      $ 10,750,000             11.47%
                           Boston Safe Deposit and Trust Company                                         28,000,000             29.87%
                           JPMorgan Chase Bank                                                           15,000,000             16.00%
                           Merrill Lynch, Pierce Fenner &and Smith Safekeeping                              65,750,000                70.13%40,000,000             42.66%

Series 2001-B
     Class A               Bank of New York (The)                                                     $ 159,000,000                24.94%
                           222,450,000             34.89%
                           DBTC Americas/Deutsche Bank A.G., New York BranchFrankfurt                                         60,000,000              9.41%
                           JP Morgan Chase Bank                                                         402,500,000                63.14%208,500,000             32.71%
                           U.S. Bank N.A.                                                                60,000,000              9.41%
     Class B               Bank of New York (The)                                                       $ 5,000,000              8.89%
                           Merrill Lynch, Pierce Fenner & Smith SafekeepingDeutsche Bank Trust Company Americas                                          31,250,000             55.56%55.55%
                           JP Morgan Chase Bank                                                          20,000,000             35.55%35.56%














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 Transactions
- --------  ----------------------------------------------

          None

Item 14.  Controls and Procedures
- --------  ----------------------------------------------

          Not Applicable


                                     PART IV
                                     -------

Item 14.15.  Exhibits, Financial Statement Schedules, And Reports On Form 8-K
- --------  ----------------------------------------------------------------


(a)  The following documents are filed as part of this Report:

3.       Exhibits:

        31. Certification

         99.01 Annual Accountant's reports including the attached MBNA Officer's Certificates each dated August 15, 20012003 with respect to Series 1994-C, Series 1995-A, Series 1995-C, Series 1995-E, Series 1995-J, Series 1996-A, Series 1996-B, Series 1996-E, Series 1996-G, Series
         1996-H,
         Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-E, Series
         1997-F, Series 1997-I, Series 1997-J, Series 1997-K,
         Series 1997-M, Series 1998-A, Series 1998-C,1998-D, Series 1998-E, Series 1998-F, Series 1998-G, Series 1998-I, Series 1998-J, Series 1999-A, Series 1999-B, Series 1999-D,
         Series 1999-E, Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-B, 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, 20012003 with respect to Series 1994-C, Series 1995-A, Series 1995-C, Series 1995-E, Series 1995-J, Series 1996-A, Series 1996-B, Series 1996-E, Series 1996-G, Series
         1996-H,
         Series 1996-J, Series 1996-K, Series 1996-M, Series 1997-B, Series 1997-C, Series 1997-E, Series
         1997-F, Series 1997-I, Series 1997-J, Series 1997-K, Series 1997-M, Series 1998-A, Series 1998-C,
         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-E, Series 1999-G, Series 1999-H, Series 1999-I, Series 1999-J, Series 1999-L, Series 1999-M, Series 2000-A, Series 2000-B, 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)      Three reports on FormForms 8-K were filed by the registrant for each month during the quarter ended December 31,
         2001.June 30, 2003. These reports filed on October 12, 2001, NovemberApril 15,
         2003, May 14, 2001,2003, June 16, 2003, June 19, 2003, June 24, 2003, and December 14, 2001June 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 14(a)15(a) (3) above.




                                                              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 originator of Trust RegistrantServicer



Date:  March 28, 2002September 30, 2003          By: /s/ Christopher HarrisDouglas O. Hart
                                       -------------------------------




Christopher Harris
                                             First Vice President