Exhibit 99.38
MBNA MASTER CREDIT CARD TRUST II
SERIES 1999-G
KEY PERFORMANCE FACTORS
October 31, 2000
Expected B Maturity 07/15/2004
Blended Coupon 6.4490%
Excess Protection Level
3 Month Average 5.84%
October, 2000 6.27%
September, 2000 5.71%
August, 2000 5.55%
Cash Yield19.62%
Investor Charge Offs 4.51%
Base Rate 8.84%
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
