Exhibit 99.44
MBNA MASTER CREDIT CARD TRUST II
SERIES 2000-A
KEY PERFORMANCE FACTORS
October 31, 2000
Expected B Maturity 02/15/2005
Blended Coupon 7.4063%
Excess Protection Level
3 Month Average 5.80%
October, 2000 6.22%
September, 2000 5.68%
August, 2000 5.52%
Cash Yield19.62%
Investor Charge Offs 4.51%
Base Rate 8.89%
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$750,000,000.00
Seller Participation Amount$6,009,277,457.50
