Exhibit 99.44

MBNA MASTER CREDIT CARD TRUST II

SERIES 1999-J

KEY PERFORMANCE FACTORS
May 31, 2000



Expected B Maturity 09/15/2009


Blended Coupon 7.0937%


Excess Protection Level
3 Month Average 5.49%
May, 2000 5.55%
April, 2000 5.19%
March, 2000 5.72%


Cash Yield19.29%


Investor Charge Offs 4.66%


Base Rate 9.08%


Over 30 Day Delinquency 4.70%


Seller's Interest 9.50%


Total Payment Rate14.38%


Total Principal Balance$52,496,626,963.52


Investor Participation Amount$1,000,000,000.00


Seller Participation Amount$4,987,826,445.03