Exhibit 99.5 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A KEY PERFORMANCE FACTORS October 31, 1997 Expected B Maturity 9/15/04 Blended Coupon 5.9424% Excess Protection Level 3 Month Average 4.78% October, 1997 5.22% September, 1997 4.69% August, 1997 4.45% Cash Yield 18.37% Investor Charge Offs 4.61% Base Rate 8.54% Over 35 Day Delinquency 4.76% Seller's Interest 13.78% Total Payment Rate 14.00% Total Principal Balance $31,941,631,051.83 Investor Participation Amount $575,000,000.00 Seller Participation Amount $4,401,496,533.34