Exhibit 99.5 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J KEY PERFORMANCE FACTORS April 30, 2001 Expected B Maturity 12/16/02 Blended Coupon 5.2863% Excess Protection Level 3 Month Average 7.66% April, 2001 7.53% March, 2001 8.04% February, 2001 7.42% Cash Yield 19.61% Investor Charge Offs 4.98% Base Rate 7.11% Over 30 Day Delinquency 4.89% Seller's Interest 9.33% Total Payment Rate 13.70% Total Principal Balance $58,171,313,434.78 Investor Participation Amount $500,000,000.00 Seller Participation Amount $5,425,622,873.29