10:12:54 AM EXHIBIT 99. 6 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B KEY PERFORMANCE FACTORS June, 1996 Expected B Maturity 06/15/00 Blended Coupon 5.6925% Excess Protection Level 3 Month Average 5.12% June, 1996 5.43% April, 1996 5.08% May, 1996 4.85% Cash Yield 16.85% Investor Charge Offs 4.11% Base Rate 7.31% Over 35 Day Delinquency 3.97% Seller's Interest 19.37% Total Payment Rate 10.78% Total Principal Balance $16,975,561,627.28 Investor Participation Amount $750,000,000.00 Seller Participation Amount $3,287,686,627.28