Exhibit 99.7 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-C KEY PERFORMANCE FACTORS October 31, 1996 Expected B Maturity 7/15/05 Blended Coupon 6.2103% Excess Protection Level 3 Month Average 5.37% October, 1996 5.19% September, 1996 5.28% August, 1996 5.65% Cash Yield 16.74% Investor Charge Offs 3.73% Base Rate 7.82% 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