Exhibit 99.3


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
May 31, 2000



Expected B Maturity 06/15/00


Blended Coupon 6.9055%


Excess Protection Level
3 Month Average 65.75%
May, 2000 185.89%
April, 2000 5.48%
March, 2000 5.88%


Cash Yield 257.17%


Investor Charge Offs 62.14%


Base Rate 9.14%


Over 30 Day Delinquency 4.70%


Seller's Interest 9.50%


Total Payment Rate 14.38%


Total Principal Balance $52,496,626,963.52


Investor Participation Amount $56,250,000.00


Seller Participation Amount $4,987,826,445.03