Exhibit 99.45 MBNA MASTER CREDIT CARD TRUST II SERIES 2000-D KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 4/16/07 Blended Coupon 6.2736% Excess Protection Level 3 Month Average 4.42% January, 2001 6.75% December, 2000 0.18% November, 2000 6.32% Cash Yield19.75% Investor Charge Offs 4.73% Base Rate 8.27% 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$850,000,000.00 Seller Participation Amount$6,705,277,271.10