Exhibit 99.26 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-D KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 7/15/03 Blended Coupon 5.8625% Excess Protection Level 3 Month Average 4.78% January, 2001 7.10% December, 2000 0.55% November, 2000 6.68% Cash Yield19.75% Investor Charge Offs 4.73% Base Rate 7.92% Over 30 Day Delinquency 4.88% Seller's Interest11.58% Total Payment Rate14.47% Total Principal Balance$57,905,967,832.59 Investor Participation Amount$559,000,000.00 Seller Participation Amount$6,705,277,271.10