02:21:17 PM EXHIBIT 99. 5


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
JUNE, 1996



Expected B Maturity 09/15/04


Blended Coupon 5.8124%


Excess Protection Level
3 Month Average 5.00%
June, 1996 5.32%
May, 1996 4.72%
April, 1996 4.96%


Cash Yield 16.85%


Investor Charge Offs 4.11%


Base Rate 7.42%


Over 35 Day Delinquency 3.97%


Seller's Interest 19.37%


Total Payment Rate 10.78%


Total Principal Balance $16,975,561,627.28


Investor Participation Amount $575,000,000.00


Seller Participation Amount $3,287,686,627.28