Exhibit 99.6


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
May 31, 1997



        Expected B Maturity                         06/15/00


        Blended Coupon                               5.8836%


        Excess Protection Level
          3 Month Average   4.72%
          May, 1997   4.47%
          April, 1997   3.80%
          March, 1997   5.88%


        Cash Yield                                  17.28%


        Investor Charge Offs                         4.53%


        Base Rate                                    8.28%


        Over 35 Day Delinquency                      4.38%


        Seller's Interest                           15.43%


        Total Payment Rate                          12.75%


        Total Principal Balance                     $27,132,480,390.99


        Investor Participation Amount               $750,000,000.00


        Seller Participation Amount                 $4,186,442,872.50