Exhibit 99.8 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D KEY PERFORMANCE FACTORS November 30, 1996 Expected B Maturity 7/17/00 Blended Coupon 5.8497% Excess Protection Level 3 Month Average 5.42% November, 1996 5.53% October, 1996 5.33% September, 1996 5.41% Cash Yield 17.08% Investor Charge Offs 3.86% Base Rate 7.68% Over 35 Day Delinquency 4.38% Seller's Interest 15.65% Total Payment Rate 11.72% Total Principal Balance $22,372,660,639.66 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,500,733,121.17