Exhibit 99.6 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B KEY PERFORMANCE FACTORS December 31, 1996 Expected B Maturity 06/15/00 Blended Coupon 5.8032% Excess Protection Level 3 Month Average 5.41% December, 1996 5.53% November, 1996 5.45% October, 1996 5.25% Cash Yield 17.30% Investor Charge Offs 3.97% Base Rate 7.80% Over 35 Day Delinquency 4.52% Seller's Interest 17.12% Total Payment Rate 11.85% Total Principal Balance $23,372,253,332.68 Investor Participation Amount $750,000,000.00 Seller Participation Amount $4,000,325,814.19