Exhibit 99.21 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-J KEY PERFORMANCE FACTORS November 30, 2000 Expected B Maturity 9/15/04 Blended Coupon 6.7914% Excess Protection Level 3 Month Average 6.18% November, 2000 6.49% October, 2000 6.28% September, 2000 5.78% Cash Yield 19.74% Investor Charge Offs 4.46% Base Rate 8.79% Over 30 Day Delinquency 5.24% Seller's Interest 11.84% Total Payment Rate 13.77% Total Principal Balance $56,372,819,075.31 Investor Participation Amount $750,000,000.00 Seller Participation Amount $6,672,128,513.82