Exhibit 99.2 MBNA MASTER CREDIT CARD TRUST II SERIES 1994-B KEY PERFORMANCE FACTORS May 31, 1998 Expected B Maturity 9/15/99 Blended Coupon 5.60207% Excess Protection Level 3 Month Average 5.49% May, 1998 4.88% April, 1998 5.83% March, 1998 5.77% Cash Yield 17.95% Investor Charge Offs 5.01% Base Rate 8.05% Over 35 Day Delinquency 5.17% Seller's Interest 13.80% Total Payment Rate 13.68% Total Principal Balance $ 35,599,996,121.04 Investor Participation Amount $ 1,000,000,000.00 Seller Participation Amount $ 4,911,601,602.55