Exhibit 99.40

MBNA MASTER CREDIT CARD TRUST II

SERIES 2000-A

KEY PERFORMANCE FACTORS
June 30, 2001



Expected B Maturity 02/15/2005


Blended Coupon 7.4063%


Excess Protection Level
3 Month Average 7.04%
June, 2001 6.55%
May, 2001 7.32%
April, 2001 7.26%


Cash Yield18.98%


Investor Charge Offs 5.67%


Base Rate 6.76%


Over 30 Day Delinquency 4.78%


Seller's Interest 8.00%


Total Payment Rate14.15%


Total Principal Balance$57,876,901,808.74


Investor Participation Amount$750,000,000.00


Seller Participation Amount$4,631,211,247.25