Exhibit 99.4 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-E KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 09/16/2002 Blended Coupon 6.1409% Excess Protection Level 3 Month Average 4.50% January, 2001 6.88% December, 2000 0.22% November, 2000 6.40% Cash Yield 19.75% Investor Charge Offs 4.73% Base Rate 8.14% Over 30 Day Delinquency 4.88% Seller's Interest 11.58% Total Payment Rate 14.47% Total Principal Balance $57,905,967,832.59 Investor Participation Amount $500,000,000.00 Seller Participation Amount $6,705,277,271.10