Exhibit 99.11

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-J

KEY PERFORMANCE FACTORS
October 31, 1998



Expected B Maturity 12/16/02


Blended Coupon 5.6744%



Excess Protection Level
3 Month Average 5.50%
October, 1998 5.90%
September, 1998 4.31%
August, 1998 6.28%


Cash Yield 18.93%


Investor Charge Offs 4.98%


Base Rate 8.05%


Over 35 Day Delinquency 5.16%


Seller's Interest 8.67%


Total Payment Rate 14.28%


Total Principal Balance $39,561,435,127.71


Investor Participation Amount $500,000,000.00


Seller Participation Amount $3,431,640,609.22