03:45:49 PM EXHIBIT 99. 8


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D

KEY PERFORMANCE FACTORS
SEPTEMBER, 1996



Expected B Maturity 7/17/00


Blended Coupon 6.2178%


Excess Protection Level
3 Month Average 5.30%
September, 1996 5.41%
August, 1996 5.79%
July, 1996 4.68%


Cash Yield 17.10%


Investor Charge Offs 4.26%


Base Rate 7.43%


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 $500,000,000.00


Seller Participation Amount $2,373,962,735.11