Exhibit 99.11

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
February 28, 1998



Expected B Maturity 12/16/02


Blended Coupon 5.8919%



Excess Protection Level
3 Month Average 4.82%
February, 1998 4.61%
January, 1998 4.69%
December, 1997 5.15%


Cash Yield 16.74%


Investor Charge Offs 4.83%


Base Rate 7.30%


Over 35 Day Delinquency 5.04%


Seller's Interest 15.07%


Total Payment Rate 12.54%


Total Principal Balance $34,488,564,555.67


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,197,230,037.18