EXHIBIT D
                              
                 FORM OF 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, 1998 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 me to have been made during the twelve month period
ended June 30, 1998,  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 25th day of August, 1998.



                              ___/s/David Martini
                              Name:    David Martini
                              Title:      Vice President