Exhibit 99.5 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B KEY PERFORMANCE FACTORS July 31, 1999 Expected B Maturity 06/15/00 Blended Coupon 5.3767% Excess Protection Level 3 Month Average 6.28% July, 1999 5.99% June, 1999 5.19% May, 1999 7.64% Cash Yield 18.70% Investor Charge Offs 4.97% Base Rate 7.74% 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 $750,000,000.00 Seller Participation Amount $4,456,383,517.80