Exhibit 99.9

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
November 30, 1999



        Expected B Maturity                                       12/16/02


        Blended Coupon                                             5.6669%



        Excess Protection Level
          3 Month Average  5.86%
          November, 1999  5.77%
          October, 1999  6.07%
          September, 1999  5.75%


        Cash Yield                                  18.33%


        Investor Charge Offs                        4.89%


        Base Rate                                   7.67%


        Over 30 Day Delinquency                     5.02%


        Seller's Interest                           8.52%


        Total Payment Rate                          14.09%


        Total Principal Balance                     $48,461,894,441.68


        Investor Participation Amount               $500,000,000.00


        Seller Participation Amount                 $4,130,074,923.19