Exhibit 99.2 MBNA MASTER CREDIT CARD TRUST II SERIES 1994-B KEY PERFORMANCE FACTORS August 31, 1998 Expected B Maturity 9/15/99 Blended Coupon 5.46275% Excess Protection Level 3 Month Average 5.39% August, 1998 6.32% July, 1998 5.14% June, 1998 4.69% Cash Yield 19.08% Investor Charge Offs 5.09% Base Rate 7.67% Over 35 Day Delinquency 5.00% Seller's Interest 11.64% Total Payment Rate 14.21% Total Principal Balance $ 37,775,682,964.86 Investor Participation Amount $ 1,000,000,000.00 Seller Participation Amount $ 4,395,888,446.37