Exhibit 99.8


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-D

KEY PERFORMANCE FACTORS
April 30, 1997



        Expected B Maturity                         7/17/00


        Blended Coupon                               6.0601%


        Excess Protection Level
        3 Month Average   5.11%
          April, 1997   3.88%
          March, 1997   5.96%
          February, 1997   5.49%


        Cash Yield                                  16.23%


        Investor Charge Offs                         4.55%


        Base Rate                                    7.80%


        Over 35 Day Delinquency                      4.27%


        Seller's Interest                           20.02%


        Total Payment Rate                          12.21%


        Total Principal Balance                     $27,182,850,184.68


        Investor Participation Amount               $500,000,000.00


        Seller Participation Amount                 $5,443,222,666.19