12:31:17 PM EXHIBIT 99. 12 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J KEY PERFORMANCE FACTORS JUNE, 1996 Expected B Maturity 12/16/02 Blended Coupon 5.7629% Excess Protection Level 3 Month Average 5.04% June, 1996 5.36% May, 1996 4.77% April, 1996 5.00% Cash Yield 16.85% Investor Charge Offs 4.11% Base Rate 7.38% Over 35 Day Delinquency 3.97% Seller's Interest 19.37% Total Payment Rate 10.78% Total Principal Balance $16,975,561,627.28 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,287,686,627.28