Exhibit 99.7


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D

KEY PERFORMANCE FACTORS
September 30, 1998



Expected B Maturity 7/17/00


Blended Coupon 6.0492%


Excess Protection Level
3 Month Average 5.38%
September, 1998 4.46%
August, 1998 6.42%
July, 1998 5.26%


Cash Yield 17.36%


Investor Charge Offs 5.18%


Base Rate 7.71%


Over 35 Day Delinquency 5.04%


Seller's Interest 13.10%


Total Payment Rate 13.10%


Total Principal Balance $39,849,511,082.92


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,219,716,564.43