Exhibit 99.26 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-F KEY PERFORMANCE FACTORS July 31, 1999 Expected B Maturity 6/17/02 Blended Coupon 6.4485% Excess Protection Level 3 Month Average 6.37% July, 1999 6.12% June, 1999 5.28% May, 1999 7.70% Cash Yield 18.70% Investor Charge Offs 4.97% Base Rate 7.61% Over 30 Day Delinquency 4.84% Seller's Interest 9.75% Total Payment Rate 14.54% Total Principal Balance $45,698,903,036.29 Investor Participation Amount $706,000,000.00 Seller Participation Amount $4,456,383,517.80