Exhibit 23B
Consent of Independent Auditors
We consent to the incorporation by reference in the Registration Statement on
Form S-8 pertaining to the MBNA Corporation 1997 Long Term Incentive Plan, of
our report dated January 14, 2000 with respect to the consolidated financial
statements of MBNA Corporation incorporated by reference in its Annual Report
(Form 10-K) for the year ended December 31, 1999, filed with the Securities and
Exchange Commission.
Baltimore, Maryland /s/ Ernst & Young LLP
August 23, 2000
