Exhibit 99.9 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-E KEY PERFORMANCE FACTORS December 31, 1996 Expected B Maturity 09/16/2002 Blended Coupon 5.8640% Excess Protection Level 3 Month Average 5.34% December, 1996 5.47% November, 1996 5.39% October, 1996 5.18% Cash Yield 17.30% Investor Charge Offs 3.97% Base Rate 7.86% 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 $500,000,000.00 Seller Participation Amount $4,000,325,814.19