Exhibit 99.39 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-J KEY PERFORMANCE FACTORS June 30, 1999 Expected B Maturity 9/15/2003 Blended Coupon 5.3318% Excess Protection Level 3 Month Average 5.85% June, 1999 5.04% May, 1999 7.23% April, 1999 5.27% Cash Yield17.44% Investor Charge Offs 5.06% Base Rate 7.33% Over 30 Day Delinquency 4.82% Seller's Interest11.01% Total Payment Rate13.71% Total Principal Balance$44,380,968,357.42 Investor Participation Amount$750,000,000.00 Seller Participation Amount$4,888,448,838.93