Exhibit 99.02

MBNA AMERICA BANK, N.A.


MBNA MASTER CREDIT CARD NOTE TRUST




         The undersigned, an Issuer Authorized Officer of MBNA America
Bank, N.A. (the "Bank"), as Issuer pursuant to the Indenture dated as of
May 24, 2001 by and between the Bank and The Bank of New York, as
indenture trustee, (the "Indenture Trustee") does hereby certify that:

         1.  The Bank is Issuer under the Indenture.

         2.  The undersigned is duly authorized as required pursuant to
the Indenture to execute and deliver this statement to the Indenture
Trustee.

         3.  This statement is delivered pursuant to Section 1104 of the
Indenture.

         4.  A review of the activities of the Issuer for the period May
24, 2001 through June 30, 2002 was conducted under my supervision.

         5.  Based on such review, the Issuer has, to my knowledge,
fully performed all its obligations under the Indenture throughout such
review 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 Issuer's obligations under the provisions of the
Indenture known to the undersigned to have been made during such review
period which sets forth in detail (i) the nature of each such default,
(ii) the action taken by the Issuer, 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
statement this 30th day of August 2002.



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



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, 2002 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 2002.



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