Exhibit 99.39 MBNA MASTER CREDIT CARD TRUST II SERIES 1999-J KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 09/15/2009 Blended Coupon 7.0937% Excess Protection Level 3 Month Average 4.40% January, 2001 6.68% December, 2000 0.21% November, 2000 6.31% Cash Yield19.75% Investor Charge Offs 4.73% Base Rate 8.34% Over 30 Day Delinquency 4.88% Seller's Interest11.58% Total Payment Rate14.47% Total Principal Balance$57,905,967,832.59 Investor Participation Amount$1,000,000,000.00 Seller Participation Amount$6,705,277,271.10