Exhibit 99.12

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
April 30, 1998



Expected B Maturity 12/16/02


Blended Coupon 5.9231%



Excess Protection Level
3 Month Average 5.38%
April, 1998 5.78%
March, 1998 5.74%
February, 1998 4.61%


Cash Yield 18.66%


Investor Charge Offs 4.96%


Base Rate 7.92%


Over 35 Day Delinquency 5.03%


Seller's Interest 14.63%


Total Payment Rate 14.61%


Total Principal Balance $35,947,972,379.88


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,259,577,861.39