Exhibit 99.5


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
July 31, 1998



Expected B Maturity 06/15/00


Blended Coupon 5.8550%


Excess Protection Level
3 Month Average 4.91%
July, 1998 5.17%
June, 1998 4.70%
May, 1998 4.88%


Cash Yield 18.75%


Investor Charge Offs 5.14%


Base Rate 8.44%


Over 35 Day Delinquency 4.90%


Seller's Interest 15.22%


Total Payment Rate 14.52%


Total Principal Balance $37,740,921,726.81


Investor Participation Amount $750,000,000.00


Seller Participation Amount $5,743,527,208.32