05:55:57 PM EXHIBIT 99. 6


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
September, 1996



Expected B Maturity 06/15/00


Blended Coupon 5.6997%


Excess Protection Level
3 Month Average 5.22%
September, 1996 5.33%
August, 1996 5.71%
July, 1996 4.60%


Cash Yield 17.10%


Investor Charge Offs 4.26%


Base Rate 7.51%


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 $750,000,000.00


Seller Participation Amount $2,373,962,735.11