Exhibit 99.26

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
November 30, 1999



Expected B Maturity 9/15/04


Blended Coupon 5.5714%


Excess Protection Level
3 Month Average 5.96%
November, 1999 5.84%
October, 1999 6.20%
September, 1999 5.85%


Cash Yield 18.33%


Investor Charge Offs 4.89%


Base Rate 7.60%


Over 30 Day Delinquency 5.02%


Seller's Interest 8.52%


Total Payment Rate 14.09%


Total Principal Balance $48,461,894,441.68


Investor Participation Amount $750,000,000.00


Seller Participation Amount $4,130,074,923.19