Exhibit 99.9 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-D KEY PERFORMANCE FACTORS March 31, 2001 Expected B Maturity 05/15/01 Blended Coupon 5.3467% Excess Protection Level 3 Month Average 7.53% March, 2001 8.13% February, 2001 7.49% January, 2001 6.95% Cash Yield 20.67% Investor Charge Offs 4.83% Base Rate 7.70% Over 30 Day Delinquency 4.90% Seller's Interest 7.37% Total Payment Rate 14.60% Total Principal Balance $56,622,749,044.91 Investor Participation Amount $1,000,000,000.00 Seller Participation Amount $4,172,058,483.42