Exhibit 99.12

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
August 31, 1997



Expected B Maturity 12/16/02


Blended Coupon 5.9181%



Excess Protection Level
3 Month Average 4.60%
August, 1997 4.50%
July, 1997 4.47%
June, 1997 4.82%


Cash Yield 17.46%


Investor Charge Offs 4.84%


Base Rate 8.12%


Over 35 Day Delinquency 4.66%


Seller's Interest 14.91%


Total Payment Rate 12.37%


Total Principal Balance $30,603,901,306.35


Investor Participation Amount $500,000,000.00


Seller Participation Amount $4,563,766,787.86