Exhibit 99.41
MBNA MASTER CREDIT CARD TRUST II
SERIES 1999-J
KEY PERFORMANCE FACTORS
October 31, 2000
Expected B Maturity 09/15/2009
Blended Coupon 7.0937%
Excess Protection Level
3 Month Average 5.72%
October, 2000 6.14%
September, 2000 5.60%
August, 2000 5.44%
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$1,000,000,000.00
Seller Participation Amount$6,009,277,457.50
