Exhibit 99.9


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
August 31, 1998



Expected B Maturity 09/15/00


Blended Coupon 6.5771%


Excess Protection Level
3 Month Average 4.80%
August, 1998 5.42%
July, 1998 5.00%
June, 1998 3.98%


Cash Yield 19.08%


Investor Charge Offs 5.09%


Base Rate 8.57%


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