Exhibit 99.3 MBNA MASTER CREDIT CARD TRUST II SERIES 1994-C KEY PERFORMANCE FACTORS June 30, 1999 Expected B Maturity 11/15/01 Blended Coupon 5.2941% Excess Protection Level 3 Month Average 5.89% June, 1999 5.08% May, 1999 7.57% April, 1999 5.02% Cash Yield 17.44% Investor Charge Offs 5.06% Base Rate 7.29% 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 $ 1,000,000,000.00 Seller Participation Amount $ 4,888,448,838.93