Exhibit 99.5

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
October 31, 1997



Expected B Maturity 9/15/04


Blended Coupon 5.9424%


Excess Protection Level
3 Month Average 4.78%
October, 1997 5.22%
September, 1997 4.69%
August, 1997 4.45%


Cash Yield 18.37%


Investor Charge Offs 4.61%


Base Rate 8.54%


Over 35 Day Delinquency 4.76%


Seller's Interest 13.78%


Total Payment Rate 14.00%


Total Principal Balance
$31,941,631,051.83


Investor Participation Amount
$575,000,000.00


Seller Participation Amount
$4,401,496,533.34