Exhibit 99.51
MBNA MASTER CREDIT CARD TRUST II
SERIES 2000-H
KEY PERFORMANCE FACTORS
October 31, 2000
Expected B Maturity 8/16/2010
Blended Coupon 6.9675%
Excess Protection Level
3 Month Average 4.58%
October, 2000 6.14%
September, 2000 3.03%
August, 2000 N/A
Cash Yield19.62%
Investor Charge Offs 4.51%
Base Rate 8.97%
Over 30 Day Delinquency 5.23%
Seller's Interest10.66%
Total Payment Rate14.07%
Total Principal Balance$56,359,968,018.99
Investor Participation Amount$700,000,000.00
Seller Participation Amount$6,009,277,457.50
