Exhibit 99.37

MBNA MASTER CREDIT CARD TRUST II

SERIES 1998-G

KEY PERFORMANCE FACTORS
July 31, 1999



Expected B Maturity 9/15/2006


Blended Coupon 5.3858%


Excess Protection Level
3 Month Average 6.27%
July, 1999 6.02%
June, 1999 5.18%
May, 1999 7.60%


Cash Yield18.70%


Investor Charge Offs 4.97%


Base Rate 7.71%


Over 30 Day Delinquency 4.84%


Seller's Interest 9.75%


Total Payment Rate14.54%


Total Principal Balance$45,698,903,036.29


Investor Participation Amount$750,000,000.00


Seller Participation Amount$4,456,383,517.80