Exhibit 99.39
MBNA MASTER CREDIT CARD TRUST II
SERIES 1999-J
KEY PERFORMANCE FACTORS
December 31, 2000
Expected B Maturity 09/15/2009
Blended Coupon 7.0937%
Excess Protection Level
3 Month Average 4.22%
December, 2000 0.21%
November, 2000 6.31%
October, 2000 6.14%
Cash Yield19.79%
Investor Charge Offs10.15%
Base Rate 9.44%
Over 30 Day Delinquency 4.72%
Seller's Interest10.47%
Total Payment Rate13.35%
Total Principal Balance$57,190,978,436.47
Investor Participation Amount$1,000,000,000.00
Seller Participation Amount$5,990,287,874.98
