01:45:44 PM EXHIBIT 99. 1


MBNA MASTER CREDIT CARD TRUST II SERIES 94-A

KEY PERFORMANCE FACTORS
MAY, 1996



Expected B Maturity 9/15/99


Blended Coupon 5.6481%



Excess Protection Level
3 Month Average 5.29%
May, 1996 4.83%
April, 1996 5.06%
March, 1996 5.99%


Cash Yield 17.22%


Investor Charge Offs 4.18%


Base Rate 8.21%


Over 35 Day Delinquency 3.94%


Seller's Interest 19.77%


Total Payment Rate 10.90%


Total Principal Balance $16,437,071,773.79


Investor Participation Amount $760,000,000.00


Seller Participation Amount $3,249,196,773.79