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Exhibit 21 Subsidiaries of MBNA Corporation



Name                                             Incorporated
- - ----                                             ------------
                                              
MBNA America Bank, N.A.                          United States
MBNA International Bank Limited*                 United Kingdom
MBNA Consumer Services, Inc.                     Delaware
MBNA Hallmark Information Services, Inc.*        Delaware
MBNA Marketing Systems, Inc.*                    Delaware



*A subsidiary of MBNA America Bank, N.A.