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, 2004 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 16th day of August 2004.


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