Exhibit 99.5 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A KEY PERFORMANCE FACTORS October 31, 1996 Expected B Maturity 9/15/04 Blended Coupon 5.6992% Excess Protection Level 3 Month Average 5.30% October, 1996 5.12% September, 1996 5.21% August, 1996 5.58% Cash Yield 16.74% Investor Charge Offs 3.73% Base Rate 7.89% Over 35 Day Delinquency 4.26% Seller's Interest 13.91% Total Payment Rate 12.45% Total Principal Balance $21,339,637,968.33 Investor Participation Amount $575,000,000.00 Seller Participation Amount $2,967,710,449.84