Exhibit 99.39
MBNA MASTER CREDIT CARD TRUST II
SERIES 1999-H
KEY PERFORMANCE FACTORS
October 31, 2000
Expected B Maturity 4/15/2004
Blended Coupon 7.0615%
Excess Protection Level
3 Month Average 5.69%
October, 2000 6.05%
September, 2000 5.61%
August, 2000 5.42%
Cash Yield19.62%
Investor Charge Offs 4.51%
Base Rate 9.06%
Over 30 Day Delinquency 5.23%
Seller's Interest10.66%
Total Payment Rate14.07%
Total Principal Balance$56,359,968,018.99
Investor Participation Amount$1,000,000,000.00
Seller Participation Amount$6,009,277,457.50
