Exhibit 99.1 MBNA MASTER CREDIT CARD TRUST II SERIES 1994-A KEY PERFORMANCE FACTORS June 30, 1999 Expected B Maturity 9/15/99 Blended Coupon 5.2102% Excess Protection Level 3 Month Average 5.97% June, 1999 5.16% May, 1999 7.65% April, 1999 5.11% Cash Yield 17.44% Investor Charge Offs 5.06% Base Rate 7.21% Over 30 Day Delinquency 4.82% Seller's Interest 11.01% Total Payment Rate 13.71% Total Principal Balance $ 44,380,968,357.42 Investor Participation Amount $ 760,000,000.00 Seller Participation Amount $ 4,888,448,838.93