Exhibit 99.13 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A KEY PERFORMANCE FACTORS April 30, 1998 Expected B Maturity 3/17/03 Blended Coupon 5.8942% Excess Protection Level 3 Month Average 5.40% April, 1998 5.81% March, 1998 5.77% February, 1998 4.63% Cash Yield 18.66% Investor Charge Offs 4.96% Base Rate 7.89% Over 35 Day Delinquency 5.03% Seller's Interest 14.63% Total Payment Rate 14.61% Total Principal Balance $35,947,972,379.88 Investor Participation Amount $700,000,000.00 Seller Participation Amount $5,259,577,861.39