Exhibit 99.9 MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F KEY PERFORMANCE FACTORS July 31, 1999 Expected B Maturity 09/15/00 Blended Coupon 6.5565% Excess Protection Level 3 Month Average 5.01% July, 1999 5.15% June, 1999 3.82% May, 1999 6.04% Cash Yield 18.70% Investor Charge Offs 4.97% Base Rate 8.58% 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