Exhibit 99.8

MBNA MASTER CREDIT CARD TRUST II SERIES 1995-I

KEY PERFORMANCE FACTORS
October 31, 1999



Expected B Maturity 11/15/00


Blended Coupon 5.6024%



Excess Protection Level
3 Month Average 5.98%
October, 1999 6.14%
September, 1999 5.82%
August, 1999 5.97%


Cash Yield 18.61%


Investor Charge Offs 4.68%


Base Rate 7.79%


Over 30 Day Delinquency 5.07%


Seller's Interest 9.14%


Total Payment Rate 14.64%


Total Principal Balance $47,636,626,081.62


Investor Participation Amount $750,000,000.00


Seller Participation Amount $4,354,806,563.13