Exhibit 99.41 MBNA MASTER CREDIT CARD TRUST II SERIES 1999-M KEY PERFORMANCE FACTORS November 30, 2000 Expected B Maturity 11/15/2004 Blended Coupon 6.6788% Excess Protection Level 3 Month Average 6.19% November, 2000 6.48% October, 2000 6.31% September, 2000 5.77% Cash Yield19.74% Investor Charge Offs 4.46% Base Rate 8.80% Over 30 Day Delinquency 5.24% Seller's Interest11.84% Total Payment Rate13.77% Total Principal Balance$56,372,819,075.31 Investor Participation Amount$500,000,000.00 Seller Participation Amount$6,672,128,513.82