Exhibit 99.12

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
October 31, 1997



Expected B Maturity
12/16/02


Blended Coupon
5.8919%



Excess Protection Level
3 Month Average 4.84%
October, 1997 5.28%
September, 1997 4.74%
August, 1997 4.50%


Cash Yield 18.37%


Investor Charge Offs 4.61%


Base Rate 8.48%


Over 35 Day Delinquency 4.76%


Seller's Interest 13.78%


Total Payment Rate 14.00%


Total Principal Balance
$31,941,631,051.83


Investor Participation Amount
$500,000,000.00


Seller Participation Amount
$4,401,496,533.34