Exhibit 99.8

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-E

KEY PERFORMANCE FACTORS
October 31, 1998



Expected B Maturity 09/16/2002


Blended Coupon 5.6671%



Excess Protection Level
3 Month Average 5.51%
October, 1998 5.91%
September, 1998 4.32%
August, 1998 6.29%


Cash Yield 18.93%


Investor Charge Offs 4.98%


Base Rate 8.04%


Over 35 Day Delinquency 5.16%


Seller's Interest 8.67%


Total Payment Rate 14.28%


Total Principal Balance $39,561,435,127.71


Investor Participation Amount $500,000,000.00


Seller Participation Amount $3,431,640,609.22


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