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                                                                 Exhibit 4(k)(4)


                             CERTIFICATE OF TRUST OF
                                 MBNA CAPITAL G

         THIS Certificate of Trust of MBNA Capital G (the "Trust"), dated as of
August 31, 2000, is being duly executed and filed by John W. Scheflen, an
individual residing in the State of Delaware, as trustee, to create a business
trust under the Delaware Business Trust Act (12 Del. C. Section 3801 et seq.).

         1. Name. The name of the business trust being created hereby is MBNA
Capital G.

         2. Delaware Trustee. The name and business address of the trustee of
the Trust in the State of Delaware is John W. Scheflen c/o MBNA Corporation,
1100 North King Street, Wilmington, Delaware 19884.

         3. Effective Date. This Certificate of Trust shall be effective upon
its filing with the Secretary of State.

         IN WITNESS WHEREOF, the undersigned, being the sole trustee of the
Trust, has executed this Certificate of Trust as of the date first above
written.


                                         John W. Scheflen,
                                         as trustee

                                         /s/ John W. Scheflen
                                         -------------------------------------