Exhibit 99.20 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J KEY PERFORMANCE FACTORS October 31, 1997 Expected B Maturity 10/15/03 Blended Coupon 5.8207% Excess Protection Level 3 Month Average 4.92% October, 1997 5.39% September, 1997 4.78% August, 1997 4.61% Cash Yield 18.37% Investor Charge Offs 4.61% Base Rate 8.37% Over 35 Day Delinquency 4.76% Seller's Interest 13.78% Total Payment Rate 14.00% Total Principal Balance $31,941,631,051.83 Investor Participation Amount $1,000,000,000.00 Seller Participation Amount $4,401,496,533.34