04:44:47 PM EXHIBIT 99.1


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
JULY, 1996



Expected B Maturity 12/16/02


Blended Coupon 5.7629%


Excess Protection Level
3 Month Average 4.89%
July, 1996 4.53%
June, 1996 5.36%
May, 1996 4.77%


Cash Yield 16.87%


Investor Charge Offs 4.38%


Base Rate 7.96%


Over 35 Day Delinquency 4.20%


Seller's Interest 17.27%


Total Payment Rate 11.54%


Total Principal Balance $17,148,865,196.73


Investor Participation Amount $500,000,000.00


Seller Participation Amount $2,960,990,196.73