Exhibit 99.31 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-D KEY PERFORMANCE FACTORS May 31, 2000 Expected B Maturity 7/15/03 Blended Coupon 5.9106% Excess Protection Level 3 Month Average 5.88% May, 2000 5.92% April, 2000 5.61% March, 2000 6.11% Cash Yield19.29% Investor Charge Offs 4.66% Base Rate 8.71% Over 30 Day Delinquency 4.70% Seller's Interest 9.50% Total Payment Rate14.38% Total Principal Balance$52,496,626,963.52 Investor Participation Amount$559,000,000.00 Seller Participation Amount$4,987,826,445.03