Exhibit 99.9 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F KEY PERFORMANCE FACTORS June 30, 1999 Expected B Maturity 09/15/00 Blended Coupon 6.5472% Excess Protection Level 3 Month Average 4.63% June, 1999 3.82% May, 1999 6.04% April, 1999 4.04% Cash Yield 17.44% Investor Charge Offs 5.06% Base Rate 8.55% 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 $500,000,000.00 Seller Participation Amount $4,888,448,838.93