Exhibit 99.02
                        ANNUAL SERVICER'S CERTIFICATE
                           MBNA AMERICA BANK, N.A.
                     MBNA MASTER CREDIT CARD TRUST II


         The undersigned, a duly authorized representative of MBNA
America Bank, N.A. (the "Bank"), as Servicer pursuant to the Pooling
and Servicing Agreement dated as of August 4, 1994 (the "Pooling and
Servicing Agreement") by and between the Bank and The Bank of New York,
as trustee, (the "Trustee") does hereby certify that:

         1.  The Bank is Servicer under the Pooling and Servicing
Agreement.

         2.  The undersigned is duly authorized as required pursuant to
the Pooling and Servicing Agreement to execute and deliver this
Certificate to the Trustee.

         3.  This Certificate is delivered pursuant to Section 3.05 of
the Pooling and Servicing Agreement.

         4.  A review of the activities of the Servicer during the
twelve-month period ended June 30, 2003 was conducted under my
supervision.

         5.  Based on such review, the Servicer has, to my knowledge,
fully performed all its obligations under the Pooling and Servicing
Agreement throughout such twelve-month period and no material default in
the performance of such obligations has occurred or is continuing except
as set forth in paragraph 6 below.

         6.  The following is a description of each material default in
the performance of the Servicer's obligations under the provisions of
the Pooling and Servicing Agreement known to the undersigned to have
been made during such period which sets forth in detail (i) the nature
of each such default, (ii) the action taken by the Servicer, if any, to
remedy each such default and (iii) the current status of each such
default:

                          "None"


         IN WITNESS WHEREOF, the undersigned has duly executed this
Certificate this 15th day of August 2003.



                                       /s/Douglas O. Hart
                               Name:   Douglas O. Hart
                               Title:  Senior Executive Vice President