Exhibit 99.7 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D KEY PERFORMANCE FACTORS July 31, 1999 Expected B Maturity 7/17/00 Blended Coupon 5.9959% Excess Protection Level 3 Month Average 6.36% July, 1999 6.08% June, 1999 5.26% May, 1999 7.72% Cash Yield 18.70% Investor Charge Offs 4.97% Base Rate 7.65% 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 $500,000,000.00 Seller Participation Amount $4,456,383,517.80