Exhibit 99.45 MBNA MASTER CREDIT CARD TRUST II SERIES 1999-L KEY PERFORMANCE FACTORS April 30, 2000 Expected B Maturity 10/16/2006 Blended Coupon 6.4633% Excess Protection Level 3 Month Average 5.70% April, 2000 5.35% March, 2000 5.73% February, 2000 6.04% Cash Yield18.08% Investor Charge Offs 4.70% Base Rate 8.03% Over 30 Day Delinquency 4.72% Seller's Interest10.74% Total Payment Rate13.82% Total Principal Balance$52,271,464,953.72 Investor Participation Amount$750,000,000.00 Seller Participation Amount$5,612,664,435.23