Exhibit 99.5

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
October 31, 1996



Expected B Maturity 9/15/04


Blended Coupon 5.6992%


Excess Protection Level
3 Month Average 5.30%
October, 1996 5.12%
September, 1996 5.21%
August, 1996 5.58%


Cash Yield 16.74%


Investor Charge Offs 3.73%


Base Rate 7.89%


Over 35 Day Delinquency 4.26%


Seller's Interest 13.91%


Total Payment Rate 12.45%


Total Principal Balance $21,339,637,968.33


Investor Participation Amount $575,000,000.00


Seller Participation Amount $2,967,710,449.84