Exhibit 99.35 MBNA MASTER CREDIT CARD TRUST II SERIES 1999-B KEY PERFORMANCE FACTORS October 31, 2000 Expected B Maturity 3/16/09 Blended Coupon 5.9788% Excess Protection Level 3 Month Average 6.00% October, 2000 6.42% September, 2000 5.88% August, 2000 5.72% Cash Yield19.62% Investor Charge Offs 4.51% Base Rate 8.69% 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