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FORM 8-K
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20529
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
Date of Report: November 14, 2002
MBNA AMERICA BANK, NATIONAL ASSOCIATION
on behalf of the
MBNA MASTER CREDIT CARD TRUST II
(Exact name of registrant as specified in its charter)
United States 333-59424 51-
0331454
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(State or other (Commission File (IRS
Employer
jurisdiction of Number)
Identification No.)
incorporation)
Wilmington, DE 19884-0781
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(Address of principal executive office)
Registrant's telephone number, including area code (800) 362-6255.
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ITEM 5. OTHER EVENTS
On November 15, 2002 the MBNA Master Credit Card Trust II Series 1997-L
(the "Series") was terminated in accordance with the provisions of
Section 10 of the Series 1997-L Supplement dated as of November 13,
1997, to the Pooling and Servicing Agreement dated as of August 4, 1994
(the "Pooling and Servicing Agreement") and subsection 12.03 of the
Pooling and Servicing Agreement. Final Payment will be made on the
Series certificates after presentation and surrender of the Series
certificates at the offices of The Bank of New York, as the Trustee.
Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS
The following are filed as Exhibits to this Report under Exhibit 20:
20.1. Series 1995-A Certificateholders' Statement for the month
ended October 31, 2002.
20.2. Series 1995-C Certificateholders' Statement for the month
ended October 31, 2002.
20.3. Series 1995-J Certificateholders' Statement for the month
ended October 31, 2002.
20.4. Series 1996-A Certificateholders' Statement for the month
ended October 31, 2002.
20.5. Series 1996-B Certificateholders' Statement for the month
ended October 31, 2002.
20.6. Series 1996-E Certificateholders' Statement for the month
ended October 31, 2002.
20.7. Series 1996-G Certificateholders' Statement for the month
ended October 31, 2002.
20.8. Series 1996-J Certificateholders' Statement for the month
ended October 31, 2002.
20.9. Series 1996-K Certificateholders' Statement for the month
ended October 31, 2002.
20.10. Series 1996-M Certificateholders' Statement for the month
ended October 31, 2002.
20.11. Series 1997-B Certificateholders' Statement for the month
ended October 31, 2002.
20.12. Series 1997-C Certificateholders' Statement for the month
ended October 31, 2002.
20.13. Series 1997-I Certificateholders' Statement for the month
ended October 31, 2002.
20.14. Series 1997-J Certificateholders' Statement for the month
ended October 31, 2002.
20.15. Series 1997-K Certificateholders' Statement for the month
ended October 31, 2002.
20.16. Series 1998-A Certificateholders' Statement for the month
ended October 31, 2002.
20.17. Series 1998-C Certificateholders' Statement for the month
ended October 31, 2002.
20.18. Series 1998-D Certificateholders' Statement for the month
ended October 31, 2002.
20.19. Series 1998-E Certificateholders' Statement for the month
ended October 31, 2002.
20.20. Series 1998-F Certificateholders' Statement for the month
ended October 31, 2002.
20.21. Series 1998-G Certificateholders' Statement for the month
ended October 31, 2002.
20.22. Series 1998-J Certificateholders' Statement for the month
ended October 31, 2002.
20.23. Series 1999-A Certificateholders' Statement for the month
ended October 31, 2002.
20.24. Series 1999-B Certificateholders' Statement for the month
ended October 31, 2002.
20.25. Series 1999-D Certificateholders' Statement for the month
ended October 31, 2002.
20.26. Series 1999-G Certificateholders' Statement for the month
ended October 31, 2002.
20.27. Series 1999-H Certificateholders' Statement for the month
ended October 31, 2002.
20.28. Series 1999-J Certificateholders' Statement for the month
ended October 31, 2002.
20.29. Series 1999-L Certificateholders' Statement for the month
ended October 31, 2002.
20.30. Series 1999-M Certificateholders' Statement for the month
ended October 31, 2002.
20.31. Series 2000-A Certificateholders' Statement for the month
ended October 31, 2002.
20.32. Series 2000-B Certificateholders' Statement for the month
ended October 31, 2002.
20.33. Series 2000-C Certificateholders' Statement for the month
ended October 31, 2002.
20.34. Series 2000-D Certificateholders' Statement for the month
ended October 31, 2002.
20.35. Series 2000-E Certificateholders' Statement for the month
ended October 31, 2002.
20.36. Series 2000-F Certificateholders' Statement for the month
ended October 31, 2002.
20.37. Series 2000-G Certificateholders' Statement for the month
ended October 31, 2002.
20.38. Series 2000-H Certificateholders' Statement for the month
ended October 31, 2002.
20.39. Series 2000-I Certificateholders' Statement for the month
ended October 31, 2002.
20.40. Series 2000-K Certificateholders' Statement for the month
ended October 31, 2002.
20.41. Series 2000-L Certificateholders' Statement for the month
ended October 31, 2002.
20.42. Series 2001-A Certificateholders' Statement for the month
ended October 31, 2002.
20.43. Series 2001-B Certificateholders' Statement for the month
ended October 31, 2002.
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of
1934, the Registrant has duly caused this report to be signed on its
behalf by the undersigned thereunto duly authorized.
Dated: November 14, 2002
MBNA AMERICA BANK, NATIONAL ASSOCIATION
By: /s/Christopher Harris
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Name: Christopher Harris
Title: First Vice President