Exhibit 99.44 MBNA MASTER CREDIT CARD TRUST II SERIES 1999-L KEY PERFORMANCE FACTORS June 30, 2000 Expected B Maturity 10/16/2006 Blended Coupon 6.9845% Excess Protection Level 3 Month Average 5.22% June, 2000 4.74% May, 2000 5.55% April, 2000 5.35% Cash Yield18.75% Investor Charge Offs 4.56% Base Rate 9.45% Over 30 Day Delinquency 4.60% Seller's Interest12.05% Total Payment Rate14.03% Total Principal Balance$54,839,173,315.51 Investor Participation Amount$750,000,000.00 Seller Participation Amount$6,607,972,797.02 EX-99.45 96 0096.txt Exhibit 99.45 MBNA MASTER CREDIT CARD TRUST II SERIES 1999-M KEY PERFORMANCE FACTORS June 30, 2000 Expected B Maturity 11/15/2004 Blended Coupon 6.6788% Excess Protection Level 3 Month Average 5.36% June, 2000 4.98% May, 2000 5.73% April, 2000 5.36% Cash Yield18.75% Investor Charge Offs 4.56% Base Rate 9.21% Over 30 Day Delinquency 4.60% Seller's Interest12.05% Total Payment Rate14.03% Total Principal Balance$54,839,173,315.51 Investor Participation Amount$500,000,000.00 Seller Participation Amount$6,607,972,797.02