05:51:44 PM EXHIBIT 99. 5


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
MAY, 1996



Expected B Maturity 09/15/04


Blended Coupon 5.7460%


Excess Protection Level
3 Month Average 5.21%
May, 1996 4.72%
April, 1996 4.96%
March, 1996 5.94%


Cash Yield 17.22%


Investor Charge Offs 4.18%


Base Rate 8.32%


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 $575,000,000.00


Seller Participation Amount $3,249,196,773.79