Exhibit 99.9


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
October 31, 1998



Expected B Maturity 09/15/00


Blended Coupon 6.5668%


Excess Protection Level
3 Month Average 4.79%
October, 1998 5.36%
September, 1998 3.59%
August, 1998 5.42%


Cash Yield 18.93%


Investor Charge Offs 4.98%


Base Rate 8.59%


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