Exhibit 99.6 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B KEY PERFORMANCE FACTORS October 31, 1996 Expected B Maturity 06/15/00 Blended Coupon 5.57820% Excess Protection Level 3 Month Average 5.43% October, 1996 5.25% September, 1996 5.33% August, 1996 5.71% Cash Yield 16.74% Investor Charge Offs 3.73% Base Rate 7.76% 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 $750,000,000.00 Seller Participation Amount $2,967,710,449.84