Exhibit 99.10 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A KEY PERFORMANCE FACTORS April 30, 2000 Expected B Maturity 3/17/03 Blended Coupon 6.3680% Excess Protection Level 3 Month Average 5.80% April, 2000 5.44% March, 2000 5.83% February, 2000 6.13% Cash Yield 18.08% Investor Charge Offs 4.70% Base Rate 7.94% Over 30 Day Delinquency 4.72% Seller's Interest 10.74% Total Payment Rate 13.82% Total Principal Balance $52,271,464,953.72 Investor Participation Amount $700,000,000.00 Seller Participation Amount $5,612,664,435.23