02:08:45 PM EXHIBIT 99. 14 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B KEY PERFORMANCE FACTORS AUGUST, 1996 Expected B Maturity 04/17/06 Blended Coupon 5.7244% Excess Protection Level 3 Month Average 5.13% August, 1996 5.59% July, 1996 4.49% June, 1996 5.33% Cash Yield 17.70% Investor Charge Offs 4.00% Base Rate 8.11% 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 $500,000,000.00 Seller Participation Amount $2,029,454,014.31