Exhibit 99.39 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-J KEY PERFORMANCE FACTORS July 31, 1999 Expected B Maturity 9/15/2003 Blended Coupon 5.3449% Excess Protection Level 3 Month Average 6.22% July, 1999 6.39% June, 1999 5.04% May, 1999 7.23% Cash Yield18.70% Investor Charge Offs 4.97% Base Rate 7.34% Over 30 Day Delinquency 4.84% Seller's Interest 9.75% Total Payment Rate14.54% Total Principal Balance$45,698,903,036.29 Investor Participation Amount$750,000,000.00 Seller Participation Amount$4,456,383,517.80