Exhibit 99.4

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
March 31, 1998



Expected B Maturity 9/15/04


Blended Coupon 6.0056%


Excess Protection Level
3 Month Average 4.96%
March, 1998 5.68%
February, 1998 4.56%
January, 1998 4.64%


Cash Yield 18.54%


Investor Charge Offs 4.85%


Base Rate 8.01%


Over 35 Day Delinquency 5.06%


Seller's Interest 11.41%


Total Payment Rate 13.80%


Total Principal Balance $33,909,306,783.29


Investor Participation Amount $575,000,000.00


Seller Participation Amount $3,867,972,264.80