Exhibit 99.20

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
April 30, 2001



Expected B Maturity 9/15/04


Blended Coupon 5.1939%


Excess Protection Level
3 Month Average 7.75%
April, 2001 7.59%
March, 2001 8.17%
February, 2001 7.50%


Cash Yield 19.61%


Investor Charge Offs 4.98%


Base Rate 7.05%


Over 30 Day Delinquency 4.89%


Seller's Interest 9.33%


Total Payment Rate 13.70%


Total Principal Balance $58,171,313,434.78


Investor Participation Amount $750,000,000.00


Seller Participation Amount $5,425,622,873.29