Exhibit 99.33
MBNA MASTER CREDIT CARD TRUST II
SERIES 1998-J
KEY PERFORMANCE FACTORS
October 31, 2000
Expected B Maturity 9/15/03
Blended Coupon 5.4312%
Excess Protection Level
3 Month Average 7.38%
October, 2000 7.65%
September, 2000 7.34%
August, 2000 7.15%
Cash Yield19.62%
Investor Charge Offs 4.51%
Base Rate 7.46%
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
