Exhibit 99.6


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
March 31, 1997



Expected B Maturity 06/15/00


Blended Coupon 5.6374%


Excess Protection Level
3 Month Average 5.04%
March, 1997 5.88%
February, 1997 5.41%
January, 1997 3.84%


Cash Yield 17.84%


Investor Charge Offs 4.50%


Base Rate 7.45%


Over 35 Day Delinquency 4.55%


Seller's Interest 12.97%


Total Payment Rate 12.55%


Total Principal Balance $24,979,151,243.99


Investor Participation Amount $750,000,000.00


Seller Participation Amount $3,239,523,725.50