Exhibit 99.26

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
September 30, 1999



Expected B Maturity 9/15/04


Blended Coupon 5.5514%


Excess Protection Level
3 Month Average 5.95%
September, 1999 5.85%
August, 1999 5.96%
July, 1999 6.05%


Cash Yield 18.00%


Investor Charge Offs 4.60%


Base Rate 7.55%


Over 30 Day Delinquency 4.90%


Seller's Interest 6.99%


Total Payment Rate 14.16%


Total Principal Balance $45,780,732,257.76


Investor Participation Amount $750,000,000.00


Seller Participation Amount $3,198,912,739.27