Exhibit 99.5

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
March 31, 2001



Expected B Maturity 12/16/02


Blended Coupon 5.4270%



Excess Protection Level
3 Month Average 7.45%
March, 2001 8.04%
February, 2001 7.42%
January, 2001 6.87%


Cash Yield 20.67%


Investor Charge Offs 4.83%


Base Rate 7.79%


Over 30 Day Delinquency 4.90%


Seller's Interest 7.37%


Total Payment Rate 14.60%


Total Principal Balance $56,622,749,044.91


Investor Participation Amount $500,000,000.00


Seller Participation Amount $4,172,058,483.42