Exhibit 99.5


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
May 31, 1998



Expected B Maturity 06/15/00


Blended Coupon 5.8550%


Excess Protection Level
3 Month Average 5.51%
May, 1998 4.88%
April, 1998 5.84%
March, 1998 5.80%


Cash Yield 17.95%


Investor Charge Offs 5.01%


Base Rate 8.05%


Over 35 Day Delinquency 5.17%


Seller's Interest 13.80%


Total Payment Rate 13.68%


Total Principal Balance $35,599,996,121.04


Investor Participation Amount $750,000,000.00


Seller Participation Amount $4,911,601,602.55