Exhibit 99.7


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
September 30, 1999



Expected B Maturity 09/15/00


Blended Coupon 6.5668%


Excess Protection Level
3 Month Average 4.95%
September, 1999 4.83%
August, 1999 4.87%
July, 1999 5.15%


Cash Yield 18.00%


Investor Charge Offs 4.60%


Base Rate 8.57%


Over 30 Day Delinquency 4.90%


Seller's Interest 6.99%


Total Payment Rate 14.16%


Total Principal Balance $45,780,732,257.76


Investor Participation Amount $500,000,000.00


Seller Participation Amount $3,198,912,739.27