Exhibit 99.46 MBNA MASTER CREDIT CARD TRUST II SERIES 2000-E KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 05/17/2010 Blended Coupon 7.9030% Excess Protection Level 3 Month Average 4.31% January, 2001 6.58% December, 2000 0.12% November, 2000 6.22% Cash Yield19.75% Investor Charge Offs 4.73% Base Rate 8.44% 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$590,000,000.00 Seller Participation Amount$6,705,277,271.10