Exhibit 99.30 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-M KEY PERFORMANCE FACTORS June 30, 1999 Expected B Maturity 10/15/02 Blended Coupon 5.1485% Excess Protection Level 3 Month Average 6.00% June, 1999 5.26% May, 1999 7.59% April, 1999 5.14% Cash Yield 17.48% Investor Charge Offs 5.06% Base Rate 7.15% Over 30 Day Delinquency 4.82% Seller's Interest 11.01% Total Payment Rate 13.71% Total Principal Balance $44,380,968,357.42 Investor Participation Amount $750,000,000.00 Seller Participation Amount $4,888,448,838.93