Exhibit 99.36

MBNA MASTER CREDIT CARD TRUST II

SERIES 1999-H

KEY PERFORMANCE FACTORS
April 30, 2001



Expected B Maturity 4/15/2004


Blended Coupon 5.1762%


Excess Protection Level
3 Month Average 7.44%
April, 2001 7.62%
March, 2001 7.49%
February, 2001 7.22%


Cash Yield19.61%


Investor Charge Offs 4.98%


Base Rate 7.02%


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