Exhibit 99.5


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-B

KEY PERFORMANCE FACTORS
July 31, 1999



Expected B Maturity 06/15/00


Blended Coupon 5.3767%


Excess Protection Level
3 Month Average 6.28%
July, 1999 5.99%
June, 1999 5.19%
May, 1999 7.64%


Cash Yield 18.70%


Investor Charge Offs 4.97%


Base Rate 7.74%


Over 30 Day Delinquency 4.84%


Seller's Interest 9.75%


Total Payment Rate 14.54%


Total Principal Balance $45,698,903,036.29


Investor Participation Amount $750,000,000.00


Seller Participation Amount $4,456,383,517.80