Exhibit 99.25 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-J KEY PERFORMANCE FACTORS April 30, 2000 Expected B Maturity 9/15/04 Blended Coupon 6.3014% Excess Protection Level 3 Month Average 5.88% April, 2000 5.50% March, 2000 5.94% February, 2000 6.20% Cash Yield 18.08% Investor Charge Offs 4.70% Base Rate 7.88% Over 30 Day Delinquency 4.72% Seller's Interest 10.74% Total Payment Rate 13.82% Total Principal Balance $52,271,464,953.72 Investor Participation Amount $750,000,000.00 Seller Participation Amount $5,612,664,435.23