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Investor Relations

Gloucester Credit Card Trust

Form of Investors’ Monthly Performance Summary - October 2009


Trust Performance October-09 September-09 August-09
Cash Yield 16.27% 16.00% 16.33%
Gross Charge-Offs 6.29% 5.97% 6.39%
       
Monthly Payment Rate 11.72% 11.44% 11.61%
       
Delinquency
  30 to 59 days 1.35% 1.33% 1.36%
  60 to 89 days 0.78% 0.74% 0.74%
  90 + days 1.50% 1.50% 1.48%
  Total 3.63% 3.57% 3.58%

MBNA Canada Bank - Gloucester Credit Card Trust Total
Aggregate Ending Principal Receivables (C$MM- Millions) C$5,108
Seller's Interest (30-day average) 32.78%


Series
Size
(MM- Millions)
Expected
Maturity
Expense
Rate
Blended
Coupon
Fixed or
Floating
EXCESS SPREAD 3 Month
Average
October-09 September-09 August-09
2004-1 C$300 5/15/14 3.72% 5.55% Fix 6.26% 6.34% 6.25% 6.29%
2006-1 C$500 3/15/11 3.40% 4.53% Fix 6.58% 6.66% 6.56% 6.60%
2006-2 C$349 11/15/13 3.20% 1.07% Fl/Fix 6.78% 6.85% 6.76% 6.80%
2007-1 C$600 6/15/10 3.32% 1.14% Fl/Fix 6.66% 6.74% 6.64% 6.68%
2008-1 C$452 5/15/13 7.57% 5.56% Fix 2.41% 2.46% 2.35% 2.41%

Footnotes