Exhibit 99.5

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
April 30, 2001



Expected B Maturity 12/16/02


Blended Coupon 5.2863%



Excess Protection Level
3 Month Average 7.66%
April, 2001 7.53%
March, 2001 8.04%
February, 2001 7.42%


Cash Yield 19.61%


Investor Charge Offs 4.98%


Base Rate 7.11%


Over 30 Day Delinquency 4.89%


Seller's Interest 9.33%


Total Payment Rate 13.70%


Total Principal Balance $58,171,313,434.78


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,425,622,873.29