11:40:06 AM EXHIBIT 99. 15 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-C KEY PERFORMANCE FACTORS JUNE, 1996 Expected B Maturity 04/16/01 Blended Coupon 5.6751% Excess Protection Level 3 Month Average 4.54% June, 1996 5.44% May, 1996 4.87% April, 1996 3.31% Cash Yield 16.85% Investor Charge Offs 4.11% Base Rate 7.30% Over 35 Day Delinquency 3.97% Seller's Interest 19.37% Total Payment Rate 10.78% Total Principal Balance $16,975,561,627.28 Investor Participation Amount $500,000,000.00 Seller Participation Amount $3,287,686,627.28