Exhibit 99.4

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-A

KEY PERFORMANCE FACTORS
August 31, 1999



Expected B Maturity 9/15/04


Blended Coupon 5.5869%


Excess Protection Level
3 Month Average 5.59%
August, 1999 5.84%
July, 1999 5.87%
June, 1999 5.06%


Cash Yield 18.20%


Investor Charge Offs 4.78%


Base Rate 7.59%


Over 30 Day Delinquency 4.81%


Seller's Interest 7.19%


Total Payment Rate 14.37%


Total Principal Balance $46,158,397,644.87


Investor Participation Amount $575,000,000.00


Seller Participation Amount $3,316,578,126.38