Exhibit 99.11

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
September 30, 1998



Expected B Maturity 12/16/02


Blended Coupon 5.8567%



Excess Protection Level
3 Month Average 5.23%
September, 1998 4.31%
August, 1998 6.28%
July, 1998 5.09%


Cash Yield 17.36%


Investor Charge Offs 5.18%


Base Rate 7.86%


Over 35 Day Delinquency 5.04%


Seller's Interest 13.10%


Total Payment Rate 13.10%


Total Principal Balance $39,849,511,082.92


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,219,716,564.43