Exhibit 99.8


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D

KEY PERFORMANCE FACTORS
March 31, 1997



Expected B Maturity 7/17/00


Blended Coupon 6.2091%


Excess Protection Level
3 Month Average 5.12%
March, 1997 5.96%
February, 1997 5.49%
January, 1997 3.93%


Cash Yield 17.84%


Investor Charge Offs 4.50%


Base Rate 7.37%


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 $500,000,000.00


Seller Participation Amount $3,239,523,725.50