Exhibit 24
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				POWER OF ATTORNEY


The undersigned hereby constitutes and appoints each of John W. Scheflen
and John P. Stanton, signing singly, as the undersigned's true and lawful
attorney-in-fact to:

(1)   execute for and on behalf of the undersigned, in the
	undersigned's capacity as an officer and/or director of
	MBNA Corporation (the "Company"), Forms 3, 4, and 5 in
	accordance with Section 16(a) of the Securities Exchange
	Act of 1934 and the rules thereunder and Forms 144 in
	accordance with Rule 144 under the Securities Act of 1933;

(2)	do and perform any and all acts for and on behalf of the
	undersigned which may be necessary or desirable to complete
	and execute any such Form 3, 4, 5, or 144 and timely file such
	form with the United States Securities and Exchange Commission
	and any stock exchange or similar authority; and

(3)	take any other action or any type whatsoever in connection with
	the foregoing which, in the opinion of such attorney-in-fact,
	may be of benefit to, in the best interest of, or legally required
	by, the undersigned, it being understood that the documents
	executed by such attorney-in-fact on behalf of the undersigned
	pursuant to this Power of Attorney shall be in such form and shall
	contain such terms and conditions as such attorney-in-fact may
	approve in such attorney-in-fact's discretion.

The undersigned hereby grants to each such attorney-in-fact full power and
authority to do and perform any and every act and thing whatsoever requisite,
necessary, or proper to be done in the exercise of any of the rights and
powers herein granted, as fully to all intents and purposes as the undersigned
might or could do if personally present, with full power of substitution or
revocation, hereby ratifying and confirming all that such attorney-in-fact,
or such attorney-in-fact's substitute or substitutes, shall lawfully do or
cause to be done by virtue of this power of attorney and the rights and powers
herein granted.  The undersigned acknowledges that the foregoing
attorneys-in-fact, in serving in such capacity at the request of the
undersigned, are not assuming, nor is the Company assuming, any of the
undersigned's responsibilities to comply with Section 16 of the Securities
Exchange Act of 1934 or Rule 144 under the Securities Act of 1933.

This Power of Attorney shall remain in full force and effect until the
undersigned is no longer required to file Forms 3, 4, 5, and 144 with respect
to the undersigned's holdings of and transactions in securities issued by the
Company, unless earlier revoked by the undersigned in a signed writing
delivered to the foregoing attorneys-in-fact.

In Witness Whereof, the undersigned has caused this Power of Attorney to be
executed as of this 12th day of September, 2002.


								/s/ Randolph D. Lerner
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   								Randolph D. Lerner