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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.