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, 2005 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 2005.

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