Exhibit 99.18 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-G KEY PERFORMANCE FACTORS October 31, 1996 Expected B Maturity 8/15/06 Blended Coupon 5.6194% Excess Protection Level 3 Month Average 4.57% October, 1996 5.16% September, 1996 5.31% August, 1996 3.24% Cash Yield 16.74% Investor Charge Offs 3.73% Base Rate 7.85% Over 35 Day Delinquency 4.26% Seller's Interest 13.91% Total Payment Rate 12.45% Total Principal Balance $21,339,637,968.33 Investor Participation Amount $500,000,000.00 Seller Participation Amount $2,967,710,449.84