11:05:12 AM EXHIBIT 99. 12 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J KEY PERFORMANCE FACTORS AUGUST, 1996 Expected B Maturity 12/16/02 Blended Coupon 5.6887% Excess Protection Level 3 Month Average 5.17% August, 1996 5.63% July, 1996 4.53% June, 1996 5.36% Cash Yield 17.70% Investor Charge Offs 4.00% Base Rate 8.07% Over 35 Day Delinquency 4.35% Seller's Interest 11.65% Total Payment Rate 11.58% Total Principal Balance $17,417,329,014.31 Investor Participation Amount $500,000,000.00 Seller Participation Amount $2,029,454,014.31