Exhibit 99.02
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 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, 1996 was
conducted under my supervision.
5. Based on such review, the Servicer has, to the
best of my knowledge, fully performed all its obligations
under the Pooling and Servicing Agreement throughout such
twelve month period and no 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 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, 1996, 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 26th day of August, 1996.


Marguerite M. Boylan
Name: Marguerite M. Boylan
Title: Vice President