Exhibit 99.13 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 10/15/03 Blended Coupon 6.0785% Excess Protection Level 3 Month Average 4.57% January, 2001 6.89% December, 2000 0.34% November, 2000 6.46% Cash Yield 19.75% Investor Charge Offs 4.73% Base Rate 8.13% 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 $1,000,000,000.00 Seller Participation Amount $6,705,277,271.1