Exhibit 99.9


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
September 30, 1998



Expected B Maturity 09/15/00


Blended Coupon 6.5763%


Excess Protection Level
3 Month Average 4.67%
September, 1998 3.59%
August, 1998 5.42%
July, 1998 5.00%


Cash Yield 17.36%


Investor Charge Offs 5.18%


Base Rate 8.58%


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