01:11:21 PM EXHIBIT 99. 5


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
SEPTEMBER, 1996



Expected B Maturity 09/15/04


Blended Coupon 5.8203%


Excess Protection Level
3 Month Average 5.09%
September, 1996 5.21%
August, 1996 5.58%
July, 1996 4.47%


Cash Yield 17.10%


Investor Charge Offs 4.26%


Base Rate 7.63%


Over 35 Day Delinquency 4.20%


Seller's Interest 12.02%


Total Payment Rate 12.77%


Total Principal Balance $19,745,890,253.60


Investor Participation Amount $575,000,000.00


Seller Participation Amount $2,373,962,735.11