Exhibit 99.20 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J KEY PERFORMANCE FACTORS November 30, 1996 Expected B Maturity 10/15/03 Blended Coupon 5.5708% Excess Protection Level 3 Month Average 4.39% November, 1996 5.48% October, 1996 3.30% September, 1996 N/A Cash Yield 17.08% Investor Charge Offs 3.86% Base Rate 7.73% Over 35 Day Delinquency 4.38% Seller's Interest 15.65% Total Payment Rate 11.72% Total Principal Balance $22,372,660,639.66 Investor Participation Amount $1,000,000,000.00 Seller Participation Amount $3,500,733,121.17