Exhibit 99.20
MBNA MASTER CREDIT CARD TRUST II
SERIES 1997-F
KEY PERFORMANCE FACTORS
October 31, 2000
Expected B Maturity 6/17/02
Blended Coupon 6.6649%
Excess Protection Level
3 Month Average 5.94%
October, 2000 6.35%
September, 2000 5.84%
August, 2000 5.65%
Cash Yield 19.62%
Investor Charge Offs 4.51%
Base Rate 8.76%
Over 30 Day Delinquency 5.23%
Seller's Interest 10.66%
Total Payment Rate 14.07%
Total Principal Balance $56,359,968,018.99
Investor Participation Amount $706,000,000.00
Seller Participation Amount $6,009,277,457.50