Report of Independent Accountants


MBNA America Bank, N.A.
1100 North King Street
Wilmington, Delaware  19801

       and

The Bank of New York
101 Barclay Street
New York, New York  10286

MBNA Master Credit Card Trust II

We have examined management's assertion that MBNA America Bank, N.A.
("MBNA" or "the Company"), a wholly owned subsidiary of MBNA
Corporation, was in material compliance with the covenants and
conditions of sections 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a) through (c) and 4.03(a), (c) and (d) of the Pooling
and Servicing Agreement dated as of August 4, 1994, as amended
("Agreement") and the sections specified in Attachment A of the
applicable Series' Pooling and Servicing Agreement Supplement
("Agreement Supplement"), between MBNA and The Bank of New York, during
the compliance periods specified in Attachment A. This assertion is
included in the accompanying report by management titled, "Report of
Management on Credit Card and Consumer Loan Trust Internal Control and
Pooling and Servicing Agreement Compliance" (the "Report").  Management
is responsible for MBNA's compliance with those requirements.  Our
responsibility is to express an opinion on management's assertion about
the Company's compliance based on our examination.

Our examination was made in accordance with standards established by
the American Institute of Certified Public Accountants and,
accordingly, included examining, on a test basis, evidence about MBNA's
compliance with those requirements and performing such other procedures
as we considered necessary in the circumstances.  We believe that our
examination provides a reasonable basis for our opinion.  Our
examination does not provide a legal determination of MBNA's compliance
with specified requirements.

In our opinion, management's assertion that MBNA was in material
compliance with the covenants and conditions of the sections in the
Agreement and the applicable Agreement Supplement, referred to above,
during the compliance periods specified in Attachment A, is fairly
stated, in all material respects.

This report is intended solely for the use of the management of MBNA
and The Bank of New York and should not be referred to or distributed
for any purpose to anyone who is not authorized to receive such
information as specified in the Agreement or in the applicable Series'
Underwriting/Subscription Agreement, as specified in Attachment A.
However, this report is a matter of public record as a result of being
included as an exhibit to the annual report on Form 10-K prepared by
MBNA and filed with the Securities and Exchange Commission on behalf of
MBNA Master Credit Card Trust II and its distribution is not limited.

Ernst & Young LLP

August 11, 2000

<TABLE>
<CAPTION>
Attachment A

<S>-<C>-<C>-<C>-<C>-<C>


Series-Pooling and Servicing Agreement
Supplement Date-PSA
Supplement
Sections-

Compliance Period-

Lead Underwriter/Purchaser-Date of Underwriting/
Subscription/Purchasing
 Agreement
1994-A-August 4, 1994, as amended-(a)-July 1, 1999 - September 15,
1999-Credit Suisse First Boston-July 28, 1994
-----
1994-B-August 18, 1994, as amended-(b)-July 1, 1999 - September 15,
1999-Merrill Lynch & Co.
Goldman, Sachs & Co.-August 11, 1994
-----
1994-C-October 26, 1994, as amended-(a)-July 1, 1999 - June 30, 2000-
Merrill Lynch & Co.-October 19, 1994
-----
1994-E-December 15, 1994, as amended-(c)-July 1, 1999 - June 30, 2000--
-----
1995-A-March 22, 1995, as amended-(a)-July 1, 1999 - June 30, 2000-
Merrill Lynch & Co.-March 15, 1995
-----
1995-B-May 23, 1995, as amended-(a)-July 1, 1999 - June 15, 2000-J.P.
Morgan & Co.-May 15, 1995
-----
1995-C-June 29, 1995, as amended-(d)
-July 1, 1999 - June 30, 2000-Lehman Brothers-June 22, 1995
-----
1995-D-June 29, 1995, as amended-(d)-July 1, 1999 - June 30, 2000-
Lehman Brothers -June 22, 1995

Attachment A (continued)

-----


Series-Pooling and Servicing Agreement
Supplement Date-PSA
Supplement
Sections-

Compliance Period-

Lead Underwriter/Purchaser-Date of Underwriting/
Subscription/Purchasing
 Agreement
1995-E-August 2, 1995, as amended-(a)-July 1, 1999 - June 30, 2000-
Credit Suisse First Boston-July 26, 1995
-----
1995-F-August 30, 1995, as amended-(e)-July 1, 1999 - June 30, 2000-
J.P. Morgan & Co.-August 16, 1995
-----
1995-G-September 27, 1995, as amended-(a)-July 1, 1999 - June 30, 2000-
Lehman Brothers-September 22, 1995
-----
1995-I-October 26, 1995, as amended-(a)-July 1, 1999 - June 30, 2000-
Merrill Lynch & Co.-October 19, 1995
-----
1995-J-November 21, 1995, as amended-(a)-July 1, 1999 - June 30, 2000-
J. P. Morgan & Co.-November 14, 1995
-----
1996-A-February 28, 1996, as amended-(a)-July 1, 1999 - June 30, 2000-
Goldman, Sachs & Co.-February 21, 1996
-----
1996-B-March 26, 1996-(a)-July 1, 1999 - June 30, 2000-Lehman Brothers-
March 18, 1996
-----
1996-C-March 27, 1996-(a)-July 1, 1999 - June 30, 2000-Merrill Lynch &
Co.-March 20, 1996
-----
1996-D-May 1, 1996-(a)-July 1, 1999 - June 30, 2000-Merrill Lynch &
Co.-April 24, 1996

Attachment A (continued)

-----


Series-Pooling and Servicing Agreement
Supplement Date-PSA
Supplement
Sections-

Compliance Period-

Lead Underwriter/Purchaser-Date of Underwriting/
Subscription/Purchasing
 Agreement
1996-E-May 21, 1996-(a)-July 1, 1999 - June 30, 2000-J.P. Morgan & Co.-
May 13, 1996
-----
1996-F-June 25, 1996, as amended-(f)-July 1, 1999 - June 30, 2000--
-----
1996-G-July 17, 1996-(a)-July 1, 1999 - June 30, 2000-Lehman Brothers-
July 10, 1996
-----
1996-H-August 14, 1996-(g)-July 1, 1999 - June 30, 2000-Goldman, Sachs
& Co.-August 7,1996
-----
1996-I-September 25, 1996-(h)-July 1, 1999 - June 30, 2000-Class A:
Merrill Lynch Bank AG-September 23,1996
-----
1996-J-September 19, 1996-(a)-July 1, 1999 - June 30, 2000-J.P. Morgan
& Co.-September 12, 1996
-----
1996-K-October 24, 1996-(a)-July 1, 1999 - June 30, 2000-Goldman, Sachs
& Co.-October 18, 1996
-----
1996-L-December 3, 1996-(g)-July 1, 1999 - December 15, 1999-Salomon
Brothers Inc-November 19, 1996
-----
1996-M-November 26, 1996-(g)-July 1, 1999 - June 30, 2000-Credit Suisse
First Boston-November 19, 1996
-----
1997-A-January 30, 1997-(g)-July 1, 1999 - February 15, 2000-J.P.
Morgan Securities Inc.-January 28, 1997
-----
1997-B-February 27, 1997-(a)-July 1, 1999 - June 30, 2000-Lehman
Brothers-February 20, 1997

Attachment A (continued)

-----


Series-Pooling and Servicing Agreement
Supplement Date-PSA
Supplement
Sections-

Compliance Period-

Lead Underwriter/Purchaser-Date of Underwriting/
Subscription/Purchasing
 Agreement
1997-C-March 26, 1997-(a)-July 1, 1999 - June 30, 2000-Merrill Lynch &
Co.-March 19, 1997
-----
1997-D-May 22, 1997-(h)-July 1, 1999 - June 30, 2000-Class A: Morgan
Stanley & Co. International Limited, Class B:  Morgan Stanley & Co.
Incorporated, Class C:  Lehman Brothers Inc.-Class A: April 24, 1997
Class B: April 29, 1997
Class C: May 2, 1997
-----
1997-E-May 8, 1997-(g)-July 1, 1999 - June 30, 2000-J.P. Morgan & Co.-
April 24, 1997
-----
1997-F-June 18, 1997-(i)-July 1, 1999 - June 30, 2000-Lehman Brothers-
June 11, 1997
-----
1997-G-June 18, 1997-(a)-July 1, 1999 - June 30, 2000--
-----
1997-H-August 6, 1997-(h)-July 1, 1999 - June 30, 2000-Class A: J.P.
Morgan and CIE, S.A., Class B and C: J.P. Morgan Securities Inc.-Class
A: July 9, 1997
Class B: July 9, 1997
Class C: July 15, 1997
-----
1997-I-August 26, 1997-(i)-July 1, 1999 - June 30, 2000-Goldman, Sachs
& Co.-August 12, 1997
-----
1997-J-September 10, 1997-(a)-July 1, 1999 - June 30, 2000-Lehman
Brothers-September 4, 1997
-----
1997-K-October 22, 1997-(a)-July 1, 1999 - June 30, 2000-Credit Suisse
First Boston-October 9, 1997
-----

Attachment A (continued)

-----


Series-Pooling and Servicing Agreement
Supplement Date-PSA
Supplement
Sections-

Compliance Period-

Lead Underwriter/Purchaser-Date of Underwriting/
Subscription/Purchasing
 Agreement
1997-L-November 13, 1997-(h)-July 1, 1999 - June 30, 2000-Class A:
Merrill Lynch Finance
S.A., Class B: Merrill Lynch, Pierce, Fenner & Smith Incorporated-
October 15, 1997
-----
1997-M-November 6, 1997-(g)-July 1, 1999 - June 30, 2000-Salomon
Brothers Inc-October 28, 1997
-----
1997-N-December 9, 1997-(g)-July 1, 1999 - June 30, 2000-Merrill Lynch
& Co.-November 19, 1997
1997-O-December 23, 1997-(a)-July 1, 1999 - June 30, 2000--
-----
1998-A-March 18, 1998-(a)-July 1, 1999 - June 30, 2000-J.P. Morgan &
Co.-March 3, 1998
-----
1998-B-April 14 , 1998-(h)-July 1, 1999 - June 30, 2000-Class A:
Merrill Lynch International-March 17, 1998
-----
1998-C-June 24, 1998-(a)-July 1, 1999 - June 30, 2000-Salomon Brothers
Inc-June 10, 1998
-----
1998-D-July 30, 1998-(i)-July 1, 1999 - June 30, 2000-Credit Suisse
First Boston-July 22, 1998
-----
1998-E -August 11, 1998 -(g)-July 1, 1999 - June 30, 2000-Lehman
Brothers-July 29, 1998
-----
1998-F -August 26, 1998 -(g)-July 1, 1999 - June 30, 2000-Merrill Lynch
& Co.-August 12, 1998
-----
1998-G-September 10, 1998 -(a)-July 1, 1999 - June 30, 2000-Credit
Suisse First Boston-September 3, 1998
-----

Attachment A (continued)

-----


Series-Pooling and Servicing Agreement
Supplement Date-PSA
Supplement
Sections-

Compliance Period-

Lead Underwriter/Purchaser-Date of Underwriting/
Subscription/Purchasing
 Agreement
-----
1998-H-September 29, 1998-(f)-July 1, 1999 - June 30, 2000--
-----
1998-I -October 22, 1998-(a)-July 1, 1999 - June 30, 2000-Salomon Smith
Barney-October 16, 1998
-----
1998-J-October 29, 1998-(a)-July 1, 1999 - June 30, 2000-Goldman, Sachs
& Co.
Credit Suisse First Boston-October 22, 1998
-----
1998-K-November 24, 1998-(a)-July 1, 1999 - June 30, 2000--
-----
1998-L-December 22, 1998-(f)-July 1, 1999 - June 30, 2000--
-----
1999-A -March 25, 1999-(a)-July 1, 1999 - June 30, 2000-Bear, Stearns &
Co. Inc.-March 3, 1999
-----
1999-B -March  26, 1999-(i)-July 1, 1999 - June 30, 2000-Lehman
Brothers-March  18, 1999
-----
1999-C-May 18, 1999-(h)-July 1, 1999 - June 30, 2000-Class A: Credit
Suisse First Boston (Europe) Limited, Class B:  Credit Suisse First
Boston Corporation-April 28, 1999
-----
1999-D-June 3, 1999-(a)-July 1, 1999 - June 30, 2000-Salomon Smith
Barney-May 20, 1999
-----
1999-E-July 7, 1999-(a)-July 7, 1999 - June 30, 2000-Merrill Lynch &
Co.-June 23, 1999

Attachment A (continued)

-----


Series-Pooling and Servicing Agreement
Supplement Date-PSA
Supplement
Sections-

Compliance Period-

Lead Underwriter/Purchaser-Date of Underwriting/
Subscription/Purchasing
 Agreement
-----
1999-F-August 3, 1999-(h)-August 3, 1999 - June 30, 2000-Class A:
Morgan Stanley & Co. International Limited, Class B: Morgan Stanley &
Co. Incorporated-Class A: July 13, 1999
Class B: July 15, 1999
-----
1999-G-July 29, 1999-(i)-July 29, 1999 - June 30, 2000-Credit Suisse
First Boston-July 20, 1999
-----
1999-H-August 18, 1999-(g)-August 18, 1999 - June 30, 2000-Merrill
Lynch & Co.
J.P. Morgan & Co.-August 4, 1999
-----
1999-I-September 8, 1999-(i)-September 8, 1999 - June 30, 2000-Credit
Suisse First Boston-August 26, 1999
-----
1999-J-September 23, 1999-(i)-September 23, 1999 - June 30, 2000-
Goldman, Sachs & Co.-September 14, 1999
-----
1999-K-October 27, 1999-(j)-October 27, 1999 - June 30, 2000--
-----
1999-L-November 5, 1999-(a)-November 5, 1999 - June 30, 2000-Salomon
Smith Barney-October 27, 1999
-----
1999-M-December 1, 1999-(i)-December 1, 1999 - June 30, 2000-Lehman
Brothers-November 17, 1999
-----
2000-A-March 8, 2000-(i)-March 8, 2000 - June 30, 2000-J. P. Morgan &
Co.-February 23, 2000
-----
2000-B-March 28, 2000-(a)-March 28, 2000 - June 30, 2000-Chase
Securities Inc.-March 14, 2000

Attachment A (continued)

-----


Series-Pooling and Servicing Agreement
Supplement Date-PSA
Supplement
Sections-

Compliance Period-

Lead Underwriter/Purchaser-Date of Underwriting/
Subscription/Purchasing
 Agreement
-----
2000-C-April 13, 2000-(a)-April 13, 2000 - June 30, 2000-Lehman
Brothers-March 28, 2000
-----
2000-D-May 11, 2000-(a)-May 11, 2000 - June 30, 2000-Salomon Smith
Barney-May 3, 2000
-----
2000-E-June 1, 2000-(i)-June 1, 2000 - June 30, 2000-Deutsche Banc
Alex. Brown-May 23, 2000
-----
2000-F-June 23, 2000-(g)-June 23, 2000 - June 30, 2000-Lehman Brothers-
June 8, 2000
-----
2000-Z-March 30, 2000-(k)-March 30, 2000 - June 30, 2000--
-----


Attachment A (continued)

<FN>
<F1>
Legend for PSA Supplement Sections noted above:

(a) Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 5.02(a) and
9(c) and (d)
(b) Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.19(a) and
(b), 5.02(a) and 9(c) and (d)
(c) Sections 3(c), 4.05 through 4.11, 4.13, 5.02(a) and 10(c) and (d)
(d) Sections 3(b), 4.05 through 4.09, 4.11 through 4.14, 4.16(a),
4.17(a), 4.20(a) and (g), 4.21(a), 5.02(a) and 9(c) and (d)
(e) Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.18(a) and
(c), 5.02(a) and 9(c) and (d)
(f) Sections 3(b), 4.05 through 4.13, 5.02 and 10(c) and (d)
(g) Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.18(a),
5.02(a) and 9(c) and (d)
(h) Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.18(a),
5.02(a) and 10(c) and (d)
(i) Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 4.16(a),
4.19(a) and (g), 4.20(a), 5.02(a) and 9(c) and (d)
(j) Sections 3(b), 4.05 through 4.13, 4.14(a), 4.15(a), 5.03(a) and
9(c) and (d)
(k) Sections 3(b), 4.05 through 4.13, 5.02(a) and 10(c) and (d)
</FN>
</TABLE>





Report of Management on Credit Card Trust Internal Control
and Pooling and Servicing Agreement Compliance


Trust Internal Control
MBNA America Bank, N.A., ("MBNA" or the "Company"), a wholly owned
subsidiary of MBNA Corporation is responsible for establishing and
maintaining effective controls over the functions performed as servicer
of MBNA's credit card and consumer loan trusts, listed in Appendix I
(the "Trusts" or individually "Trust").  These controls are designed to
provide reasonable assurance to the Company's management and board of
directors that Trust assets are safeguarded against loss from
unauthorized use or disposition and that transactions are executed in
accordance with management's authorization in conformity with the
applicable Pooling and Servicing Agreements and Pooling and Servicing
Agreement Supplements (the "Agreements") as specified in Appendix I,
between MBNA as Seller and Servicer and the applicable Trustee
(specific Agreements and Trustees are listed in Appendix I) and are
recorded properly to permit the preparation of the required financial
reports.

There are inherent limitations in any control including the possibility
of human error and circumvention or overriding of the control.
Accordingly, even effective controls can provide only reasonable
assurance with respect to the achievement of any objectives of
controls.  Further, because of changes in conditions, the effectiveness
of controls may vary over time.

The Company has determined that the objectives of controls with respect
to servicing and reporting of sold loans are to provide reasonable, but
not absolute assurance that:

? Funds collected are remitted to the Trustee in accordance with the
Agreements.

? Trust assets are segregated from those retained by MBNA in
accordance with the Agreements.

? Expenses incurred by the Trusts are calculated and remitted in
accordance with the Agreements.

? The additions of accounts to the Trusts are authorized in accordance
with the Agreements.

? The removals of accounts from the Trusts are authorized in
accordance with the Agreements.
August 11, 2000
Page 2


Trust Internal Control (continued)
? Trust assets amortizing out of the Trusts are calculated in
accordance with the Agreements.

? Monthly Trust reports generated in the form of "Exhibits" and
provided to the Trustee are reviewed by a Vice President or above
prior to distribution.

? Monthly Trust reports generated in the form of "Exhibits" contain
all information required by the Agreements.

The Company has assessed its controls over the functions performed as
servicer of the Trusts in relation to these criteria. Based upon this
assessment, the Company believes that, as of June 30, 2000, its
controls over the functions performed as servicer of the Trusts are
effective in providing reasonable assurance that Trust assets are
safeguarded against loss from unauthorized use or disposition and that
transactions are executed in accordance with management's authorization
in conformity with the Agreements between MBNA and the applicable
Trustees and are recorded properly to permit the preparation of the
required financial reports.

Pooling and Servicing Agreement Compliance
The Company is responsible for complying with the covenants and
conditions of the Agreements listed in Appendix I to this report.  The
Company assessed its compliance with the relevant covenants and
conditions identified in Appendix I for each of the Agreements. Based
upon this assessment, MBNA was in material compliance with the relevant
covenants and conditions of the Agreements identified in Appendix I for
each of the Agreements during  the periods specified in Appendix I.  In
addition, the Company did not identify any instances of material non-
compliance in performing the assessment.
August 11, 2000
Page 3


	MBNA America Bank, N.A. by:



	/s/ M. Scot Kaufman
	M. Scot Kaufman
	Executive Vice Chairman



	/s/Kenneth A. Vecchione
	Kenneth A. Vecchione
	Vice Chairman and Chief Financial Officer



	/s/Thomas D. Wren
	Thomas D. Wren
	Senior Executive Vice President and
	Treasurer



	/s/Victor P. Manning
	Victor P. Manning
	Senior Executive Vice President and
	Chief Accounting Officer



	/s/Douglas O. Hart
	Douglas O. Hart
	Senior Executive Vice President



<TABLE>
<CAPTION>

APPENDIX 1



<S>					<C>			<C>		<C>
	<C>			<C>


										PSA
	SERVICING
								PSA/RPA	SUPPL.
	COMPLIANCE		PSA COVENANTS
	TRUST				TRUSTEE		DATE		DATE
	PERIOD		AND CONDITIONS
MBNA Master Credit Card Trust II Series 1994-A	Bank of New York
	8/4/94
	8/4/94	7/1/99 - 9/15/99	(a)
MBNA Master Credit Card Trust II Series 1994-B	Bank of New York
	8/4/94
	8/18/94	7/1/99 - 9/15/99	(b)
MBNA Master Credit Card Trust II Series 1994-C	Bank of New York
	8/4/94
	10/26/94	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1994-E	Bank of New York
	8/4/94
	12/15/94	7/1/99 - 6/30/00	(c)
MBNA Master Credit Card Trust II Series 1995-A	Bank of New York
	8/4/94
	3/22/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1995-B	Bank of New York
	8/4/94
	5/23/95	7/1/99 - 6/15/00	(a)
MBNA Master Credit Card Trust II Series 1995-C	Bank of New York
	8/4/94
	6/29/95	7/1/99 - 6/30/00	(d)
MBNA Master Credit Card Trust II Series 1995-D	Bank of New York
	8/4/94
	6/29/95	7/1/99 - 6/30/00	(d)
MBNA Master Credit Card Trust II Series 1995-E	Bank of New York
	8/4/94
	8/2/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1995-F	Bank of New York
	8/4/94
	8/30/95	7/1/99 - 6/30/00	(e)
MBNA Master Credit Card Trust II Series 1995-G	Bank of New York
	8/4/94
	9/27/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1995-I	Bank of New York
	8/4/94
	10/26/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1995-J	Bank of New York
	8/4/94
	11/21/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-A	Bank of New York
	8/4/94
	2/28/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-B	Bank of New York
	8/4/94
	3/26/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-C	Bank of New York
	8/4/94
	3/27/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-D	Bank of New York
	8/4/94
	5/1/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-E	Bank of New York
	8/4/94
	5/21/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-F	Bank of New York
	8/4/94
	6/25/96	7/1/99 - 6/30/00	(f)
MBNA Master Credit Card Trust II Series 1996-G	Bank of New York
	8/4/94
	7/17/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-H	Bank of New York
	8/4/94
	8/14/96	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1996-I	Bank of New York
	8/4/94
	9/25/96	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1996-J	Bank of New York
	8/4/94
	9/19/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-K	Bank of New York
	8/4/94
	10/24/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-L	Bank of New York
	8/4/94
	12/3/96	7/1/99 - 12/15/99	(g)
MBNA Master Credit Card Trust II Series 1996-M	Bank of New York
	8/4/94
	11/26/96	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1997-A	Bank of New York
	8/4/94
	1/30/97	7/1/99 - 2/15/00	(g)
MBNA Master Credit Card Trust II Series 1997-B	Bank of New York
	8/4/94
	2/27/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1997-C	Bank of New York
	8/4/94
	3/26/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1997-D	Bank of New York
	8/4/94
	5/22/97	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1997-E	Bank of New York
	8/4/94
	5/8/97	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1997-F	Bank of New York
	8/4/94
	6/18/97	7/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1997-G	Bank of New York
	8/4/94
	6/18/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1997-H	Bank of New York
	8/4/94
	8/6/97	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1997-I	Bank of New York
	8/4/94
	8/26/97	7/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1997-J	Bank of New York
	8/4/94
	9/10/97	7/1/99 - 6/30/00	(a)





										PSA
	SERVICING
								PSA/RPA	SUPPL.
	COMPLIANCE		PSA COVENANTS
	TRUST				TRUSTEE		DATE		DATE
	PERIOD		AND CONDITIONS
MBNA Master Consumer Loan Trust Series 1997-1	Bankers Trust Company
	9/24/97
	9/24/97	7/1/99 - 6/30/00	(l)
MBNA Master Credit Card Trust II Series 1997-K	Bank of New York
	8/4/94
	10/22/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1997-L	Bank of New York
	8/4/94
	11/13/97	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1997-M	Bank of New York
	8/4/94
	11/6/97	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1997-N	Bank of New York
	8/4/94
	12/9/97	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1997-O	Bank of New York
	8/4/94
	12/23/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-A	Bank of New York
	8/4/94
	3/18/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-B	Bank of New York
	8/4/94
	4/14/98	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1998-C	Bank of New York
	8/4/94
	6/24/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-D	Bank of New York
	8/4/94
	7/30/98	7/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1998-E	Bank of New York
	8/4/94
	8/11/98	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1998-F	Bank of New York
	8/4/94
	8/26/98	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1998-G	Bank of New York
	8/4/94
	9/10/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-H	Bank of New York
	8/4/94
	9/29/98	7/1/99 - 6/30/00	(f)
MBNA Master Credit Card Trust II Series 1998-I	Bank of New York
	8/4/94
	10/22/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-J	Bank of New York
	8/4/94
	10/29/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-K	Bank of New York
	8/4/94
	11/24/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-L	Bank of New York
	8/4/94
	12/22/98	7/1/99 - 6/30/00	(f)
MBNA Master Credit Card Trust II Series 1999-A	Bank of New York
	8/4/94
	3/25/99	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1999-B	Bank of New York
	8/4/94
	3/26/99	7/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1999-C	Bank of New York
	8/4/94
	5/18/99	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1999-D	Bank of New York
	8/4/94
	6/3/99	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1999-E	Bank of New York
	8/4/94
	7/7/99	7/7/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1999-F	Bank of New York
	8/4/94
	8/3/99	8/3/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1999-G	Bank of New York
	8/4/94
	7/29/99	7/29/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1999-H	Bank of New York
	8/4/94
	8/18/99	8/18/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1999-I	Bank of New York
	8/4/94
	9/8/99	9/8/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1999-J	Bank of New York
	8/4/94
	9/23/99	9/23/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1999-K	Bank of New York
	8/4/94
	10/27/99	10/27/99 - 6/30/00	(j)
MBNA Master Credit Card Trust II Series 1999-L	Bank of New York
	8/4/94
	11/5/99	11/5/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1999-M	Bank of New York
	8/4/94
	12/1/99	12/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 2000-A	Bank of New York
	8/4/94
	3/8/00	3/8/00 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 2000-B	Bank of New York
	8/4/94
	3/28/00	3/28/00 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 2000-Z	Bank of New York
	8/4/94
	3/30/00	3/30/00 - 6/30/00	(k)
MBNA Master Credit Card Trust II Series 2000-C	Bank of New York
	8/4/94
	4/13/00	4/13/00 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 2000-D	Bank of New York
	8/4/94
	5/11/00	5/11/00 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 2000-E	Bank of New York
	8/4/94
	6/1/00	6/1/00 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 2000-F	Bank of New York
	8/4/94
	6/23/00	6/23/00 - 6/30/00	(g)
MBNA Master Consumer Loan Trust Series 2000-1	Bankers Trust Company
	9/24/97
	6/29/00	6/29/00 - 6/30/00	(m)
 - Indicates agreement was amended

<FN>
<F1>
PSA and PSA Supplement Covenants and Conditions

(a) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 5.02(a), 9(c), 9(d).

(b) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.19(a), 4.19(b), 5.02(a),
9(c), 9(d).

(c) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(c), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.13, 5.02(a), 10(c), 10(d).

(d) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.11, 4.12, 4.13, 4.14, 4.16(a), 4.17(a), 4.20(a), 4.20(g), 4.21(a),
5.02(a), 9(c), 9(d).

(e) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.18(a), 4.18(c), 5.02(a),
9(c), 9(d).

(f) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 5.02, 10(c), 10(d).

(g) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.18(a), 5.02(a), 9(c), 9(d).

(h) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.18(a), 5.02(a), 10(c),
10(d).

(i) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.16(a), 4.19(a), 4.19(g),
4.20(a), 5.02(a), 9(c), 9(d).

(j) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 5.03(a), 9(c), 9(d).

(k) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 5.02(a), 10(c), 10(d).

(l) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 4.06, 4.07, 4.08, 4.09, 4.10, 4.11,
4.12, 4.13, 4.14, 4.15, 4.19(a), 4.19(c), 5.01, 5.02(a), 10(c), 10(e).

(m) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 4.06, 4.07, 4.08, 4.09, 4.10, 4.11,
4.12, 4.13, 4.14, 4.15, 4.16, 4.17, 4.19(a), 4.19(c), 5.01, 5.02(a),
10(c), 10(e).

</FN>
</TABLE>

Report of Independent Accountants
on Applying Agreed-Upon Procedures


MBNA America Bank, N.A.
1100 North King Street
Wilmington, Delaware 19801

         and

The Bank of New York
101 Barclay Street
New York, New York  10286

MBNA Master Credit Card Trust  II

We have performed the procedures enumerated below, which were agreed to
by MBNA America Bank, N.A. ("MBNA") and The Bank of New York, solely to
assist you with respect to the amounts in the "mathematical
calculations" set forth in the monthly certificates for each series (as
specified in Attachment A) in the MBNA Master Credit Card Trust II
("Trust"), prepared by MBNA pursuant to subsection 3.04(b) of the
Pooling and Servicing Agreement dated as of August 4, 1994, as amended
("Agreement") between MBNA and The Bank of New York, during the periods
specified in Attachment A.  This engagement to apply agreed-upon
procedures was performed in accordance with standards established by
the American Institute of Certified Public Accountants.  The
sufficiency of the procedures is solely the responsibility of MBNA and
The Bank of New York.  Consequently, we make no representation
regarding the sufficiency of the procedures described below either for
the purpose for which this report has been requested or for any other
purpose.

Our procedures were as follows:  We compared the amounts in the
"mathematical calculations" set forth in the monthly certificates for
each series in the Trust, for the months specified in Attachment A,
prepared by MBNA pursuant to subsection 3.04(b) of the Agreement with
reports prepared by MBNA's bank card processor or MBNA, which were the
source of such amounts.

As a result of the procedures performed we noted that in all instances
the amounts in the "mathematical calculations" set forth in the monthly
certificates for each series in the Trust, for the months specified in
Attachment A, were in agreement with reports prepared by MBNA's bank
card processor or MBNA.

We were not engaged to, and did not, perform an audit, the objective of
which would be the expression of an opinion on the amounts in the
"mathematical calculations" set forth in the monthly certificates for
each series in the Trust, prepared by MBNA pursuant to subsection
3.04(b) of the Agreement or on the reports prepared by MBNA's bank card
processor or MBNA.  Accordingly, we do not express such an opinion.
Had we performed additional procedures, other matters might have come
to our attention that would have been reported to you.

This report is intended solely for the use of the specified users
listed above and should not be used by those who have not agreed to the
procedures and taken responsibility for the sufficiency of the
procedures for their purposes.

Ernst & Young LLP

August 11, 2000

<TABLE>
<CAPTION>


Attachment A

<S>		  <C>					<C>

Series-Pooling and Servicing
Agreement Supplement Date-
Monthly Certificates Tested
--
1994 - A (a)-August 4, 1994, as amended-
--
1994 - B (b)-August 18, 1994, as amended-
--
1994 - C-October 26, 1994, as amended-October 1999, March 2000 and
June 2000
--
1994 - E-December 15, 1994, as  amended-October 1999, March 2000 and
June 2000
--
1995 - A-March 22, 1995, as amended-October 1999, March 2000 and June
2000
--
1995 - B (c)-May 23, 1995, as amended-October 1999 and March 2000
--
1995 - C-June 29, 1995, as amended-October 1999, March 2000 and June
2000
--
1995 - D-June 29, 1995, as amended-October 1999, March 2000 and June
2000
--
1995 - E-August 2, 1995, as amended-October 1999, March 2000 and June
2000
--
1995 - F-August 30, 1995, as amended-October 1999, March 2000 and
June 2000
--
1995 - G-September 27, 1995, as amended-October 1999, March 2000 and
June 2000
--
1995 - I-October 26, 1995, as amended-October 1999, March 2000 and
June 2000
--
1995 - J-November 21, 1995, as amended-October 1999, March 2000 and
June 2000
--
1996 - A-February 28, 1996, as amended-October 1999, March 2000 and
June 2000
--
1996 - B-March 26, 1996-October 1999, March 2000 and June 2000
--
1996 - C-March 27, 1996-October 1999, March 2000 and June 2000
--
1996 - D-May 1, 1996-October 1999, March 2000 and June 2000
--
1996 - E-May 21, 1996-October 1999, March 2000 and June 2000
--
1996 - F-June 25, 1996, as amended-October 1999, March 2000 and June
2000
--
1996 - G-July 17, 1996-October 1999, March 2000 and June 2000
--
1996 - H-August 14, 1996-October 1999, March 2000 and June 2000
--
1996 - I-September 25, 1996-October 1999, March 2000 and June 2000
--
Attachment A (continued)



Series-Pooling and Servicing
Agreement Supplement Date-
Monthly Certificates Tested
--
1996 - J-September 19, 1996-October 1999, March 2000 and June 2000
--
1996 - K-October 24, 1996-October 1999, March 2000 and June 2000
--
1996 - L  (d)-December 3, 1996-October 1999
--
1996 - M-November 26, 1996-October 1999, March 2000 and June 2000
--
1997 - A (e)-January 30, 1997-October 1999
--
1997 - B-February 27, 1997-October 1999, March 2000 and June 2000
--
1997 - C-March 26, 1997-October 1999, March 2000 and June 2000
--
1997 - D-May 22, 1997-October 1999, March 2000 and June 2000
--
1997 - E-May 8, 1997-October 1999, March 2000 and June 2000
--
1997 - F-June 18, 1997-October 1999, March 2000 and June 2000
--
1997 - G-June 18, 1997-October 1999, March 2000 and June 2000
--
1997 - H-August 6, 1997-October 1999, March 2000 and June 2000
--
1997 - I-August 26, 1997-October 1999, March 2000 and June 2000
--
1997 - J-September 10, 1997-October 1999, March 2000 and June 2000
--
1997 - K-October 22, 1997-October 1999, March 2000 and June 2000
--
1997 - L-November 13, 1997-October 1999, March 2000 and June 2000
--
1997 - M-November 6, 1997-October 1999, March 2000 and June 2000
--
1997 - N-December 9, 1997-October 1999, March 2000 and June 2000
--
1997 - O-December 23, 1997-October 1999, March 2000 and June 2000
--
1998 - A-March 18, 1998-October 1999, March 2000 and June 2000
--
1998 - B-April 14, 1998-October 1999, March 2000 and June 2000
--
1998 - C-June 24, 1998-October 1999, March 2000 and June 2000
--
Attachment A (continued)



Series-Pooling and Servicing
Agreement Supplement Date-
Monthly Certificates Tested
--
1998 - D-July 30, 1998 -October 1999, March 2000 and June 2000
--
1998 - E-August 11, 1998-October 1999, March 2000 and June 2000
--
1998 - F-August 26, 1998-October 1999, March 2000 and June 2000
--
1998 - G-September 10, 1998-October 1999, March 2000 and June 2000
--
1998 - H-September 29, 1998-October 1999, March 2000 and June 2000
--
1998 - I-October 22, 1998-October 1999, March 2000 and June 2000
--
1998 - J -October 29, 1998-October 1999, March 2000 and June 2000
--
1998 - K-November 24, 1998-October 1999, March 2000 and June 2000
--
1998 - L-December 22, 1998-October 1999, March 2000 and June 2000
--
1999 - A-March 25, 1999-October 1999, March 2000 and June 2000
--
1999 - B-March 26, 1999-October 1999, March 2000 and June 2000
--
1999 - C-May 18, 1999-October 1999, March 2000 and June 2000
--
1999 - D-June 3, 1999-October 1999, March 2000 and June 2000
--
1999 - E-July 7, 1999-October 1999, March 2000 and June 2000
--
1999 - F-August 3, 1999-October 1999, March 2000 and June 2000
--
1999 - G -July 29, 1999-October 1999, March 2000 and June 2000
--
1999 - H -August 18, 1999-October 1999, March 2000 and June 2000
--
1999 - I-September 8, 1999-October 1999, March 2000 and June 2000
--
1999 - J -September 23, 1999-October 1999, March 2000 and June 2000
--
1999 - K (f) -October 27, 1999-March 2000 and June 2000
--
1999 - L (g)-November 5, 1999-March 2000 and June 2000
--
1999 - M (h)-December 1, 1999-March 2000 and June 2000
--
Attachment A (continued)



Series-Pooling and Servicing
Agreement Supplement Date-
Monthly Certificates Tested
--
2000 - A (i)-March 8, 2000-March 2000 and June 2000
--
2000 - B (j)-March 28, 2000-June 2000
--
2000 - C (k)-April 13, 2000-June 2000
--
2000 - D (l)-May 11, 2000-June 2000
--
2000 - E (m)-June 1, 2000-June 2000
--
2000 - F (n)-June 23, 2000-
--
2000 - Z (o)-March 30, 2000-June 2000
--

<FN>
<F1>

(a)-The last reporting period for 1994-A was
August 1999.
(b)-The last reporting period for 1994-B was August 1999.
(c)-The last reporting period for 1995-B was May 2000.
(d)-The last reporting period for 1996-L was November 1999.
(e)-The last reporting period for 1997-A was January 2000.
(f)-The first reporting period for 1999-K was November 1999.
(g)-The first reporting period for 1999-L was November 1999.
(h)-The first reporting period for 1999-M was December 1999.
(i)-The first reporting period for 2000-A was March 2000.
(j)-The first reporting period for 2000-B was April 2000.
(k)-The first reporting period for 2000-C was May 2000.
(l)-The first reporting period for 2000-D was June 2000.
(m)-The first reporting period for 2000-E was June 2000.
(n)-The first reporting period for 2000-F will be July 2000.
(o)-The first reporting period for 2000-Z was April 2000.
-
-
-
</FN>
</TABLE>




Report of Independent Accountants


MBNA America Bank, N.A.
1100 North King Street
Wilmington, Delaware  19801

         and

The Bank of New York
101 Barclay Street
New York, New York  10286

MBNA Master Credit Card Trust II

We have examined management's assertion that MBNA America Bank, N.A.'s
("MBNA"), a wholly owned subsidiary of MBNA Corporation, controls over
the functions performed as servicer of the MBNA Master Credit Card
Trust II ("Trust"), including all Series of the Trust as specified in
Attachment A, are effective, as of June 30, 2000, in providing
reasonable assurance that Trust assets are safeguarded against loss
from unauthorized use or disposition and that transactions are executed
in accordance with management's authorization in conformity with the
Pooling and Servicing Agreement dated as of August 4, 1994, as amended
("Agreement"), and the applicable Pooling and Servicing Agreement
Supplement for each Series as specified in Attachment A (together the
"Agreements"), between MBNA as Seller and Owner/Servicer, and The Bank
of New York, as Trustee on behalf of the Certificateholders of the
Trust, and are recorded properly to permit the preparation of the
required financial reports.  This assertion is included in the
accompanying report by management titled, "Report of Management on
Credit Card and Consumer Loan Trust Internal Control and Pooling and
Servicing Agreement Compliance" (the "Report").  Management is
responsible for MBNA's controls over the functions performed as
servicer of the Trust.  Our responsibility is to express an opinion on
management's assertion based on our examination.

Our examination was made in accordance with standards established by
the American Institute of Certified Public Accountants and,
accordingly, included obtaining an understanding of the controls over
the functions performed by MBNA as servicer of the Trust, testing and
evaluating the design and operating effectiveness of those controls,
and such other procedures as we considered necessary in the
circumstances.  We believe that our examination provides a reasonable
basis for our opinion.

Because of inherent limitations in any control, errors or fraud may
occur and not be detected.  Also, projections of any evaluation of the
controls over the functions performed by MBNA as servicer of the Trust
to future periods are subject to the risk that the controls may become
inadequate because of changes in conditions, or that the degree of
compliance with the controls may deteriorate.

In our opinion, management's assertion, that it believes that MBNA's
controls over the functions performed as servicer of the Trust are
effective, as of June 30, 2000, in providing reasonable assurance that
Trust assets are safeguarded against loss from unauthorized use or
disposition and that transactions are executed in accordance with
management's authorization in conformity with the Agreements, between
MBNA as Seller and Owner/Servicer, and The Bank of New York, as Trustee
on behalf of the Certificateholders of the Trust, and are recorded
properly to permit the preparation of the required financial reports,
is fairly stated, in all material respects, based upon the following
criteria specified in the Report:

? The controls provide reasonable assurance that funds collected
are remitted to the Trustee in accordance with the Agreements.

? The controls provide reasonable assurance that Trust assets are
segregated from those retained by MBNA in accordance with the
Agreements.

? The controls provide reasonable assurance that expenses incurred
by the Trust are calculated and remitted in accordance with the
Agreements.

? The controls provide reasonable assurance that the additions of
accounts to the Trust are authorized in accordance with the
Agreements.

? The controls provide reasonable assurance that the removals of
accounts from the Trust are authorized in accordance with the
Agreements.

? The controls provide reasonable assurance that Trust assets
amortizing out of the Trust are calculated in accordance with the
Agreements.

? The controls provide reasonable assurance that monthly Trust
reports generated in the form of "Exhibits" and provided to the
Trustee are reviewed by a Vice President or above prior to
distribution.

? The controls provide reasonable assurance that monthly Trust
reports generated in the form of "Exhibits" contain all required
information per section 5.02 of the Agreements.

This report is intended solely for the use of the management of MBNA
and The Bank of New York and should not be referred to or distributed
for any purpose to anyone who is not authorized to receive such
information as specified in the Agreement or in the applicable Series'
Underwriting/Subscription Agreement, as specified in Attachment A.
However, this report is a matter of public record as a result of being
included as an exhibit to the annual report on Form 10-K prepared by
MBNA and filed with the Securities and Exchange Commission on behalf of
MBNA Master Credit Card Trust II and its distribution is not limited.

Ernst & Young LLP

August 11, 2000





 Report of Management on Credit Card Trust Internal Control
and Pooling and Servicing Agreement Compliance


Trust Internal Control
MBNA America Bank, N.A., ("MBNA" or the "Company"), a wholly owned
subsidiary of MBNA Corporation is responsible for establishing and
maintaining effective controls over the functions performed as servicer
of MBNA's credit card and consumer loan trusts, listed in Appendix I
(the "Trusts" or individually "Trust").  These controls are designed to
provide reasonable assurance to the Company's management and board of
directors that Trust assets are safeguarded against loss from
unauthorized use or disposition and that transactions are executed in
accordance with management's authorization in conformity with the
applicable Pooling and Servicing Agreements and Pooling and Servicing
Agreement Supplements (the "Agreements") as specified in Appendix I,
between MBNA as Seller and Servicer and the applicable Trustee
(specific Agreements and Trustees are listed in Appendix I) and are
recorded properly to permit the preparation of the required financial
reports.

There are inherent limitations in any control including the possibility
of human error and circumvention or overriding of the control.
Accordingly, even effective controls can provide only reasonable
assurance with respect to the achievement of any objectives of
controls.  Further, because of changes in conditions, the effectiveness
of controls may vary over time.

The Company has determined that the objectives of controls with respect
to servicing and reporting of sold loans are to provide reasonable, but
not absolute assurance that:

? Funds collected are remitted to the Trustee in accordance with the
Agreements.

? Trust assets are segregated from those retained by MBNA in
accordance with the Agreements.

? Expenses incurred by the Trusts are calculated and remitted in
accordance with the Agreements.

? The additions of accounts to the Trusts are authorized in accordance
with the Agreements.

? The removals of accounts from the Trusts are authorized in
accordance with the Agreements.
August 11, 2000
Page 2


Trust Internal Control (continued)
? Trust assets amortizing out of the Trusts are calculated in
accordance with the Agreements.

? Monthly Trust reports generated in the form of "Exhibits" and
provided to the Trustee are reviewed by a Vice President or above
prior to distribution.

? Monthly Trust reports generated in the form of "Exhibits" contain
all information required by the Agreements.

The Company has assessed its controls over the functions performed as
servicer of the Trusts in relation to these criteria. Based upon this
assessment, the Company believes that, as of June 30, 2000, its
controls over the functions performed as servicer of the Trusts are
effective in providing reasonable assurance that Trust assets are
safeguarded against loss from unauthorized use or disposition and that
transactions are executed in accordance with management's authorization
in conformity with the Agreements between MBNA and the applicable
Trustees and are recorded properly to permit the preparation of the
required financial reports.

Pooling and Servicing Agreement Compliance
The Company is responsible for complying with the covenants and
conditions of the Agreements listed in Appendix I to this report.  The
Company assessed its compliance with the relevant covenants and
conditions identified in Appendix I for each of the Agreements. Based
upon this assessment, MBNA was in material compliance with the relevant
covenants and conditions of the Agreements identified in Appendix I for
each of the Agreements during  the periods specified in Appendix I.  In
addition, the Company did not identify any instances of material non-
compliance in performing the assessment.
August 11, 2000
Page 3


	MBNA America Bank, N.A. by:



	/s/ M. Scot Kaufman
	M. Scot Kaufman
	Executive Vice Chairman



	/s/Kenneth A. Vecchione
	Kenneth A. Vecchione
	Vice Chairman and Chief Financial Officer



	/s/Thomas D. Wren
	Thomas D. Wren
	Senior Executive Vice President and
	Treasurer



	/s/Victor P. Manning
	Victor P. Manning
	Senior Executive Vice President and
	Chief Accounting Officer



	/s/Douglas O. Hart
	Douglas O. Hart
	Senior Executive Vice President


<TABLE>
<CAPTION>

APPENDIX 1



<S>					<C>			<C>		<C>
	<C>			<C>


										PSA
	SERVICING
								PSA/RPA	SUPPL.
	COMPLIANCE		PSA COVENANTS
	TRUST				TRUSTEE		DATE		DATE
	PERIOD		AND CONDITIONS
MBNA Master Credit Card Trust II Series 1994-A	Bank of New York	8/4/94
	8/4/94	7/1/99 - 9/15/99	(a)
MBNA Master Credit Card Trust II Series 1994-B	Bank of New York	8/4/94
	8/18/94	7/1/99 - 9/15/99	(b)
MBNA Master Credit Card Trust II Series 1994-C	Bank of New York	8/4/94
	10/26/94	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1994-E	Bank of New York	8/4/94
	12/15/94	7/1/99 - 6/30/00	(c)
MBNA Master Credit Card Trust II Series 1995-A	Bank of New York	8/4/94
	3/22/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1995-B	Bank of New York 	8/4/94
	5/23/95	7/1/99 - 6/15/00	(a)
MBNA Master Credit Card Trust II Series 1995-C	Bank of New York 	8/4/94
	6/29/95	7/1/99 - 6/30/00	(d)
MBNA Master Credit Card Trust II Series 1995-D	Bank of New York 	8/4/94
	6/29/95	7/1/99 - 6/30/00	(d)
MBNA Master Credit Card Trust II Series 1995-E	Bank of New York 	8/4/94
	8/2/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1995-F	Bank of New York 	8/4/94
	8/30/95	7/1/99 - 6/30/00	(e)
MBNA Master Credit Card Trust II Series 1995-G	Bank of New York 	8/4/94
	9/27/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1995-I	Bank of New York 	8/4/94
	10/26/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1995-J	Bank of New York 	8/4/94
	11/21/95	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-A	Bank of New York 	8/4/94
	2/28/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-B	Bank of New York 	8/4/94
	3/26/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-C	Bank of New York 	8/4/94
	3/27/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-D	Bank of New York 	8/4/94
	5/1/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-E	Bank of New York 	8/4/94
	5/21/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-F	Bank of New York 	8/4/94
	6/25/96	7/1/99 - 6/30/00	(f)
MBNA Master Credit Card Trust II Series 1996-G	Bank of New York 	8/4/94
	7/17/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-H	Bank of New York 	8/4/94
	8/14/96	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1996-I	Bank of New York 	8/4/94
	9/25/96	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1996-J	Bank of New York 	8/4/94
	9/19/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-K	Bank of New York 	8/4/94
	10/24/96	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1996-L	Bank of New York 	8/4/94
	12/3/96	7/1/99 - 12/15/99	(g)
MBNA Master Credit Card Trust II Series 1996-M	Bank of New York 	8/4/94
	11/26/96	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1997-A	Bank of New York 	8/4/94
	1/30/97	7/1/99 - 2/15/00	(g)
MBNA Master Credit Card Trust II Series 1997-B	Bank of New York 	8/4/94
	2/27/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1997-C	Bank of New York 	8/4/94
	3/26/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1997-D	Bank of New York 	8/4/94
	5/22/97	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1997-E	Bank of New York 	8/4/94
	5/8/97	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1997-F	Bank of New York 	8/4/94
	6/18/97	7/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1997-G	Bank of New York 	8/4/94
	6/18/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1997-H	Bank of New York 	8/4/94
	8/6/97	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1997-I	Bank of New York 	8/4/94
	8/26/97	7/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1997-J	Bank of New York 	8/4/94
	9/10/97	7/1/99 - 6/30/00	(a)





										PSA
	SERVICING
								PSA/RPA	SUPPL.
	COMPLIANCE		PSA COVENANTS
	TRUST				TRUSTEE		DATE		DATE
	PERIOD		AND CONDITIONS
MBNA Master Consumer Loan Trust Series 1997-1	Bankers Trust Company	9/24/97
	9/24/97	7/1/99 - 6/30/00	(l)
MBNA Master Credit Card Trust II Series 1997-K	Bank of New York 	8/4/94
	10/22/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1997-L	Bank of New York 	8/4/94
	11/13/97	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1997-M	Bank of New York 	8/4/94
	11/6/97	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1997-N	Bank of New York 	8/4/94
	12/9/97	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1997-O	Bank of New York 	8/4/94
	12/23/97	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-A	Bank of New York 	8/4/94
	3/18/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-B	Bank of New York 	8/4/94
	4/14/98	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1998-C	Bank of New York 	8/4/94
	6/24/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-D	Bank of New York 	8/4/94
	7/30/98	7/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1998-E	Bank of New York 	8/4/94
	8/11/98	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1998-F	Bank of New York 	8/4/94
	8/26/98	7/1/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1998-G	Bank of New York 	8/4/94
	9/10/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-H	Bank of New York 	8/4/94
	9/29/98	7/1/99 - 6/30/00	(f)
MBNA Master Credit Card Trust II Series 1998-I	Bank of New York 	8/4/94
	10/22/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-J	Bank of New York 	8/4/94
	10/29/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-K	Bank of New York 	8/4/94
	11/24/98	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1998-L	Bank of New York 	8/4/94
	12/22/98	7/1/99 - 6/30/00	(f)
MBNA Master Credit Card Trust II Series 1999-A	Bank of New York 	8/4/94
	3/25/99	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1999-B	Bank of New York 	8/4/94
	3/26/99	7/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1999-C	Bank of New York 	8/4/94
	5/18/99	7/1/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1999-D	Bank of New York 	8/4/94
	6/3/99	7/1/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1999-E	Bank of New York 	8/4/94
	7/7/99	7/7/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1999-F	Bank of New York 	8/4/94
	8/3/99	8/3/99 - 6/30/00	(h)
MBNA Master Credit Card Trust II Series 1999-G	Bank of New York 	8/4/94
	7/29/99	7/29/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1999-H	Bank of New York 	8/4/94
	8/18/99	8/18/99 - 6/30/00	(g)
MBNA Master Credit Card Trust II Series 1999-I	Bank of New York 	8/4/94
	9/8/99	9/8/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1999-J	Bank of New York 	8/4/94
	9/23/99	9/23/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 1999-K	Bank of New York 	8/4/94
	10/27/99	10/27/99 - 6/30/00	(j)
MBNA Master Credit Card Trust II Series 1999-L	Bank of New York 	8/4/94
	11/5/99	11/5/99 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 1999-M	Bank of New York 	8/4/94
	12/1/99	12/1/99 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 2000-A	Bank of New York 	8/4/94
	3/8/00	3/8/00 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 2000-B	Bank of New York 	8/4/94
	3/28/00	3/28/00 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 2000-Z	Bank of New York 	8/4/94
	3/30/00	3/30/00 - 6/30/00	(k)
MBNA Master Credit Card Trust II Series 2000-C	Bank of New York 	8/4/94
	4/13/00	4/13/00 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 2000-D	Bank of New York 	8/4/94
	5/11/00	5/11/00 - 6/30/00	(a)
MBNA Master Credit Card Trust II Series 2000-E	Bank of New York 	8/4/94
	6/1/00	6/1/00 - 6/30/00	(i)
MBNA Master Credit Card Trust II Series 2000-F	Bank of New York 	8/4/94
	6/23/00	6/23/00 - 6/30/00	(g)
MBNA Master Consumer Loan Trust Series 2000-1	Bankers Trust Company	9/24/97
	6/29/00	6/29/00 - 6/30/00	(m)
 - Indicates agreement was amended

<FN>
<F1>
PSA and PSA Supplement Covenants and Conditions

(a) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 5.02(a), 9(c), 9(d).

(b) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.19(a), 4.19(b), 5.02(a),
9(c), 9(d).

(c) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(c), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.13, 5.02(a), 10(c), 10(d).

(d) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.11, 4.12, 4.13, 4.14, 4.16(a), 4.17(a), 4.20(a), 4.20(g), 4.21(a),
5.02(a), 9(c), 9(d).

(e) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.18(a), 4.18(c), 5.02(a),
9(c), 9(d).

(f) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 5.02, 10(c), 10(d).

(g) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.18(a), 5.02(a), 9(c), 9(d).

(h) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.18(a), 5.02(a), 10(c),
10(d).

(i) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 4.16(a), 4.19(a), 4.19(g),
4.20(a), 5.02(a), 9(c), 9(d).

(j) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 4.14(a), 4.15(a), 5.03(a), 9(c), 9(d).

(k) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
     PSA Supplement Sections - 3(b), 4.05, 4.06, 4.07, 4.08, 4.09,
4.10, 4.11, 4.12, 4.13, 5.02(a), 10(c), 10(d).

(l) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 4.06, 4.07, 4.08, 4.09, 4.10, 4.11,
4.12, 4.13, 4.14, 4.15, 4.19(a), 4.19(c), 5.01, 5.02(a), 10(c), 10(e).

(m) PSA Sections - 2.05(e), 2.06, 2.07, 2.08(a), 3.02, 3.04, 3.05,
3.06(b), 4.02(a), 4.02(b), 4.02(c), 4.03(a), 4.03(c), 4.03(d).
      PSA Supplement Sections - 4.06, 4.07, 4.08, 4.09, 4.10, 4.11,
4.12, 4.13, 4.14, 4.15, 4.16, 4.17, 4.19(a), 4.19(c), 5.01, 5.02(a),
10(c), 10(e).

</FN>
</TABLE>