Exhibit 99.02

                 MBNA AMERICA BANK, NATIONAL ASSOCIATION

                   MBNA CREDIT CARD MASTER NOTE TRUST




         The undersigned, a duly authorized representative of MBNA
America Bank, National Association ("MBNA"), pursuant to the Indenture
(the "Indenture") dated as of May 24, 2001 by and between MBNA Credit
Card Master Note Trust, as Issuer (the "Issuer") and The Bank of New
York, as Indenture Trustee (the "Indenture Trustee"), does hereby
certify that:

         1.  MBNA is Beneficiary under the Indenture.

         2.  The undersigned, an Issuer Authorized Officer authorized to
act on behalf of the Issuer, is 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 twelve-
month period ended June 30, 2003 and of the Issuer's performance under
the Indenture and under the terms of the Notes was conducted under my
supervision.

         5.  Based on such review, the Issuer has, to my knowledge,
complied in all material aspects with all conditions and covenants 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 15th day of August 2003.

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







                            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, 2003 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 2003.






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