Exhibit 99.9

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
May 31, 2000



Expected B Maturity 12/16/02


Blended Coupon 6.7894%



Excess Protection Level
3 Month Average 5.61%
May, 2000 5.61%
April, 2000 5.41%
March, 2000 5.80%


Cash Yield 19.29%


Investor Charge Offs 4.66%


Base Rate 9.02%


Over 30 Day Delinquency 4.70%


Seller's Interest 9.50%


Total Payment Rate 14.38%


Total Principal Balance $52,496,626,963.52


Investor Participation Amount $500,000,000.00


Seller Participation Amount $4,987,826,445.03