Exhibit 99.4 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A KEY PERFORMANCE FACTORS July 31, 1999 Expected B Maturity 9/15/04 Blended Coupon 5.4981% Excess Protection Level 3 Month Average 6.15% July, 1999 5.87% June, 1999 5.06% May, 1999 7.52% Cash Yield 18.70% Investor Charge Offs 4.97% Base Rate 7.86% 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 $575,000,000.00 Seller Participation Amount $4,456,383,517.80