MBNA weathered a tough economic fourth quarter with strong earnings and solid account growth, in face of lower than expected non-interest income and rising delinquency and charge-offs. During the fourth quarter, MBNA signed up 2.8 million new customers representing 2.4 million new accounts. Delinquency hit 5.09% compared to approximately 4.94% one year ago, and charge-offs hit 4.86% for 4Q/01 compared to 3.87% for 4Q/00. Card volume for the fourth quarter was up 12.4% over 4Q/00, logging in at $39,201,482,000. MBNA’s net income for the quarter was $524.8 million compared with $423.8 million for 4Q/00. Total managed loans at Dec 31, were $97.5 billion, a $4.9 billion increase over the third quarter. MBNA signed 110 new affinity contracts during the quarter and renewed 300 deals. MBNA also reported that its Web site now serves more than 5.6 million customers and they have signed up 900,000 new customers via the Internet last year. For complete details on MBNA’s 4Q/01 report and historical data visit CardData ([www.carddata.com]).