Exhibit 99.34

MBNA MASTER CREDIT CARD TRUST II

SERIES 1999-E

KEY PERFORMANCE FACTORS
April 30, 2001



Expected B Maturity 6/17/02


Blended Coupon 5.2053%


Excess Protection Level
3 Month Average 7.74%
April, 2001 7.61%
March, 2001 8.13%
February, 2001 7.49%


Cash Yield19.61%


Investor Charge Offs 4.98%


Base Rate 7.03%


Over 30 Day Delinquency 4.89%


Seller's Interest 9.33%


Total Payment Rate13.70%


Total Principal Balance$58,171,313,434.78


Investor Participation Amount$1,000,000,000.00


Seller Participation Amount$5,425,622,873.29