Exhibit 99.7


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D

KEY PERFORMANCE FACTORS
August 31, 1998



Expected B Maturity 7/17/00


Blended Coupon 6.0558%


Excess Protection Level
3 Month Average 5.49%
August, 1998 6.42%
July, 1998 5.26%
June, 1998 4.78%


Cash Yield 19.08%


Investor Charge Offs 5.09%


Base Rate 7.57%


Over 35 Day Delinquency 5.00%


Seller's Interest 11.64%


Total Payment Rate 14.21%


Total Principal Balance $37,775,682,964.86


Investor Participation Amount $500,000,000.00


Seller Participation Amount $4,395,888,446.37