Exhibit 99.3


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-C

KEY PERFORMANCE FACTORS
May 31, 2001



Expected B Maturity 7/15/05


Blended Coupon 6.2275%



Excess Protection Level
3 Month Average 7.76%
May, 2001 7.69%
April, 2001 7.55%
March, 2001 8.06%


Cash Yield 19.67%


Investor Charge Offs 5.45%


Base Rate 6.52%


Over 30 Day Delinquency 4.84%


Seller's Interest 8.52%


Total Payment Rate 14.20%


Total Principal Balance $58,203,705,030.43


Investor Participation Amount $575,000,000.00


Seller Participation Amount $4,958,014,468.94