12:56:41 PM EXHIBIT 99. 1 MBNA MASTER CREDIT CARD TRUST II SERIES 94-A KEY PERFORMANCE FACTORS AUGUST, 1996 Expected B Maturity 9/15/99 Blended Coupon 5.6475% Excess Protection Level 3 Month Average 5.22% August, 1996 5.68% July, 1996 4.58% June, 1996 5.41% Cash Yield 17.70% Investor Charge Offs 4.00% Base Rate 8.02% Over 35 Day Delinquency 4.35% Seller's Interest 11.65% Total Payment Rate 11.58% Total Principal Balance $17,417,329,014.31 Investor Participation Amount $760,000,000.00 Seller Participation Amount $2,029,454,014.31