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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: January 22, 2003
MBNA AMERICA BANK, NATIONAL ASSOCIATION
on behalf of the
MBNA MASTER CREDIT CARD TRUST II
(Issuer of the Collateral Certificate)
AND THE
MBNA CREDIT CARD MASTER NOTE TRUST
(Issuer of the MBNASeries Class A, Class B, and Class C notes)
(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 August 1, 2002, the MBNA Credit Card Master Note Trust Indenture,
dated as of May 24, 2001, between MBNA Credit Card Master Note Trust,
as Issuer, and The Bank of New York, as Indenture Trustee, was amended
by the First Amendment to The MBNA Credit Card Master Note Trust
Indenture, dated as of August 1, 2002.
On August 1, 2002, The MBNA Credit Card Master Note Trust Amended and
Restated Trust Agreement, dated as of May 24, 2001, between MBNA
America Bank, National Association, as Beneficiary and Transferor, and
Wilmington Trust Company, as Owner Trustee, and acknowledged and
accepted by MBNA Credit Card Master Note Trust, was amended by the
Second Amendment to The MBNA Credit Card Master Note Trust Amended and
Restated Trust Agreement, dated as of August 1, 2002.
The MBNASeries Class A(2002-13)notes were issued December 18, 2002.
The net proceeds from the sale of the notes will be used by the Seller
for its general corporate purposes.
Item 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS
The following are filed as Exhibits to this Report under Exhibit 4:
4.1 First Amendment to the MBNA Credit Card Master Note Trust
Indenture, dated as of August 1, 2002, by and between MBNA Credit
Card Master Note Trust, as issuer, and The Bank of New York, as
Indenture Trustee.
4.2 Second Amendment to The MBNA Credit Card Master Note Trust
Amended and Restated Trust Agreement dated as of August 1, 2002,
by and between MBNA America Bank, National Association, as
Beneficiary and Transferor, and Wilmington Trust Company, as
Owner Trustee, and acknowledged and accepted by MBNA Credit Card
Master Note Trust .
4.3 The Class A(2002-13) Terms Document dated as of December 18,
2002, to the MBNASeries Indenture Supplement to the Indenture,
dated May 24, 2001, among MBNA America Bank, National
Association, Seller and Servicer, and The Bank of New York,
Trustee.
The following are filed as Exhibits to this Report under Exhibit 20:
20.1 MBNASeries Noteholders Statement for the month ended December
31, 2002.
20.2 MBNASeries Schedule to the Noteholders Statement for the
month ended December 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: January 22, 2003
MBNA AMERICA BANK, NATIONAL ASSOCIATION
By: /s/Christopher Harris
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Name: Christopher Harris
Title: First Vice President