01:09:27 PM EXHIBIT 99. 13 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A KEY PERFORMANCE FACTORS AUGUST, 1996 Expected B Maturity 03/17/03 Blended Coupon 5.6590% Excess Protection Level 3 Month Average 5.20% August, 1996 5.66% July, 1996 4.56% June, 1996 5.39% Cash Yield 17.70% Investor Charge Offs 4.00% Base Rate 8.04% 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 $700,000,000.00 Seller Participation Amount $2,029,454,014.31