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Supplemental Executive Retirement Plan - MBNA CORP - 3-15-2005

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                                                                                                    Exhibit 10.12 

Supplemental Executive Retirement Plan — Executive Officer Participation

The following is a list of the executive officers who participate in the Supplemental Executive Retirement Plan and
the applicable benefits schedule identified in the retirement plan for each executive officer.
                                                              
Executive Officer                                        Benefits Schedule
                                                           
Randolph D. Lerner                                       Corporate Policy Committee
Bruce L. Hammonds                                        Corporate Policy Committee
John R. Cochran, III                                     Corporate Policy Committee
Gregg Bacchieri                                          SERP I
Randall J. Black                                         SERP II
Douglas R. Denton                                        SERP I
Louis J. Freeh                                           SERP I
Charles C. Krulak                                        SERP I
John W. Scheflen                                         SERP I
Richard K. Struthers                                     Corporate Policy Committee
Kenneth A. Vecchione                                     SERP I
Lance L. Weaver                                          Corporate Policy Committee

								
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