Exhibit 99.24

MBNA MASTER CREDIT CARD TRUST II

SERIES 1998-A

KEY PERFORMANCE FACTORS
February 28, 2001



Expected B Maturity 3/17/03


Blended Coupon 5.7213%


Excess Protection Level
3 Month Average 4.95%
February, 2001 7.52%
January, 2001 6.93%
December, 2000 0.38%


Cash Yield19.48%


Investor Charge Offs 4.62%


Base Rate 7.34%


Over 30 Day Delinquency 5.13%


Seller's Interest 8.26%


Total Payment Rate13.44%


Total Principal Balance$57,174,868,500.05


Investor Participation Amount$750,000,000.00


Seller Participation Amount$4,724,177,938.56