10:12:54 AM EXHIBIT 99. 6


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
June, 1996



Expected B Maturity 06/15/00


Blended Coupon 5.6925%


Excess Protection Level
3 Month Average 5.12%
June, 1996 5.43%
April, 1996 5.08%
May, 1996 4.85%


Cash Yield 16.85%


Investor Charge Offs 4.11%


Base Rate 7.31%


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 $750,000,000.00


Seller Participation Amount $3,287,686,627.28