Exhibit 99.10 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-E KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 06/16/03 Blended Coupon 6.0933% Excess Protection Level 3 Month Average 4.55% January, 2001 6.93% December, 2000 0.27% November, 2000 6.45% Cash Yield 19.75% Investor Charge Offs 4.73% Base Rate 8.09% Over 30 Day Delinquency 4.88% Seller's Interest 11.58% Total Payment Rate 14.47% Total Principal Balance $57,905,967,832.59 Investor Participation Amount $750,000,000.00 Seller Participation Amount $6,705,277,271.10