Exhibit 99.1 MBNA MASTER CREDIT CARD TRUST II SERIES 1994-A KEY PERFORMANCE FACTORS July 31, 1999 Expected B Maturity 9/15/99 Blended Coupon 5.3982% Excess Protection Level 3 Month Average 6.26% July, 1999 5.97% June, 1999 5.16% May, 1999 7.65% Cash Yield 18.70% Investor Charge Offs 4.97% Base Rate 7.76% Over 30 Day Delinquency 4.84% Seller's Interest 9.75% Total Payment Rate 14.54% Total Principal Balance $ 45,698,903,036.29 Investor Participation Amount $ 760,000,000.00 Seller Participation Amount $ 4,456,383,517.80