03:53:57 PM EXHIBIT 99. 8


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D

KEY PERFORMANCE FACTORS
JUNE, 1996



Expected B Maturity 7/17/00


Blended Coupon 6.4112%


Excess Protection Level
3 Month Average 5.20%
June, 1996 5.50%
May, 1996 4.94%
April, 1996 5.15%


Cash Yield 16.85%


Investor Charge Offs 4.11%


Base Rate 7.24%


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 $500,000,000.00


Seller Participation Amount $3,287,686,627.28