Exhibit 99.21

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
March 31, 2001



Expected B Maturity 9/15/04


Blended Coupon 5.3373%


Excess Protection Level
3 Month Average 7.53%
March, 2001 8.17%
February, 2001 7.50%
January, 2001 6.92%


Cash Yield 20.67%


Investor Charge Offs 4.83%


Base Rate 7.66%


Over 30 Day Delinquency 4.90%


Seller's Interest 7.37%


Total Payment Rate 14.60%


Total Principal Balance $56,622,749,044.91


Investor Participation Amount $750,000,000.00


Seller Participation Amount $4,172,058,483.42