Exhibit 99.5


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D

KEY PERFORMANCE FACTORS
November 30, 1999



Expected B Maturity 7/17/00


Blended Coupon 6.0246%


Excess Protection Level
3 Month Average 6.01%
November, 1999 5.90%
October, 1999 6.22%
September, 1999 5.90%


Cash Yield 18.33%


Investor Charge Offs 4.89%


Base Rate 7.54%


Over 30 Day Delinquency 5.02%


Seller's Interest 8.52%


Total Payment Rate 14.09%


Total Principal Balance $48,461,894,441.68


Investor Participation Amount $500,000,000.00


Seller Participation Amount $4,130,074,923.19