Exhibit 99.21

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
January 31, 2001



Expected B Maturity 9/15/04


Blended Coupon 6.0541%


Excess Protection Level
3 Month Average 4.59%
January, 2001 6.92%
December, 2000 0.36%
November, 2000 6.49%


Cash Yield 19.75%


Investor Charge Offs 4.73%


Base Rate 8.10%


Over 30 Day Delinquency 4.88%


Seller's Interest 11.58%


Total Payment Rate 14.47%


Total Principal Balance $57,905,967,832.59


Investor Participation Amount $750,000,000.00


Seller Participation Amount $6,705,277,271.10