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CLASS A CUSIP 55262TBV4 Exhibit 20.5
CLASS B CUSIP 55262TBW2
FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT
SERIES 1996-M
MBNA AMERICA BANK, NATIONAL ASSOCIATION
MBNA MASTER CREDIT CARD TRUST II
____________________________________________
MONTHLY PERIOD ENDING APRIL 30, 2005
____________________________________________
The information which is required to be prepared with respect
to
the Distribution Date of May 16, 2005, and with respect to
the
performance of the trust during the month of April, 2005 is
set forth below.
Capitalized terms used in this statement have their
respective
meanings set forth in the Pooling and Servicing Agreement.
A. Information Regarding the Current Monthly
Distribution to Certificateholders (Stated on the Basis of
$1,000 Original Certificate Principal Amount).
1. The amount of distribution in respect
of Class A Monthly Principal $0.000000
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2. The amount of distribution in respect
of Class B Monthly Principal $0.000000
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3. The amount of distribution in respect
of Collateral Monthly Principal $0.000000
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4. The amount of distribution in respect
of Collateral Monthly Interest $2.968472
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5. The amount of distribution in respect
of any accrued and unpaid Collateral
Monthly Interest $0.000000
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B. Information Regarding the current Monthly Accumulation into
the Interest
Funding Account (Stated on the Basis of $1,000 Original
Certificate
Principal Amount).
1. The amount of the current monthly
accumulation in respect of Class A
Monthly Interest $2.518216
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2. The amount of the current monthly
accumulation in respect of Class A
Deficiency Amounts $0.000000
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3. The amount of the current monthly
accumulation in respect of Class A
Additional Interest $0.000000
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4. The amount of the current monthly
accumulation in respect of Class B
Monthly Interest $2.707661
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5. The amount of the current monthly
accumulation in respect of Class B
Deficiency Amounts $ 0.000000
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6. The amount of the current monthly
accumulation in respect of Class B
Additional Interest $0.000000
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C. Information Regarding the Current Quarterly Interest
Distribution
1. The total amount of distribution from
the Interest Funding Account $3,401,939.38
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2. The amount of the current quarterly
interest distribution in respect of
Class A $3,107,153.75
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3. The amount of the current quarterly
interest distribution in respect of
Class A set forth in 2 above per $1,000
of original certificate principal
amount $ 7.310950
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4. The amount of the current quarterly
interest distribution in respect of
Class B $294,785.63
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5. The amount of the current quarterly
interest distribution in respect of
Class B set forth in 4 above per $1,000
of original certificate principal
amount $ 7.860950
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D. Information Regarding the Performance of the Trust
1. Collection of Principal Receivables
(a) The aggregate amount of Collections
of Principal Receivables processed
during the related Monthly Period
which were allocated in respect of
the Class A Certificates $70,424,013.61
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(b) The aggregate amount of Collections
of Principal Receivables processed
during the related Monthly Period
which were allocated in respect of
the Class B Certificates $6,213,881.51
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(c) The aggregate amount of Collections
of Principal Receivables processed
during the related Monthly Period
which were allocated in respect of
the Collateral Interest $6,213,881.51
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2. Principal Receivables in the Trust
(a) The aggregate amount of Principal
Receivables in the Trust as of the
end of the day on the last day of
the related Monthly Period $67,175,780,382.47
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(b) The amount of Principal Receivables
in the Trust represented by the
Investor Interest of Series 1996-M
as of the end of the day on the last
day of the related Monthly Period $500,000,000.00
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(c) The amount of Principal Receivables
in the Trust represented by the
Adjusted Investor Interest of Series
1996-M as of the end of the day on the
last day of the related Monthly Period $500,000,000.00
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(d) The amount of Principal Receivables
in the Trust represented by the
Class A Investor Interest as of
the end of the day on the last day of
the related Monthly Period $425,000,000.00
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(e) The amount of Principal Receivables
in the Trust represented by the
Class A Adjusted Investor Interest
as of the end of the day on the last
day of the related Monthly Period $425,000,000.00
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(f) The amount of Principal Receivables
in the Trust represented by the
Class B Investor Interest as of
the end of the day on the last day
of the related Monthly Period $37,500,000.00
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(g) The amount of Principal Receivables in
the Trust represented by the Collateral
Interest as of the end of the day on the
last day of the related Monthly period $37,500,000.00
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(h) The Floating Investor Percentage with
respect to the period:
April 1, 2005 through April 26, 2005 0.75%
April 27, 2005 through April 30, 2005 0.74%
(i) The Class
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