Exhibit 99.32 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-A KEY PERFORMANCE FACTORS May 31, 1998 Expected B Maturity 3/17/2003 Blended Coupon 5.8093% Excess Protection Level 3 Month Average 4.60% May, 1998 4.96% April, 1998 4.23% March, 1998 N/A Cash Yield17.95% Investor Charge Offs 5.01% Base Rate 7.97% Over 35 Day Delinquency 5.17% Seller's Interest13.80% Total Payment Rate13.68% Total Principal Balance$35,599,996,121.04 Investor Participation Amount$750,000,000.00 Seller Participation Amount$4,911,601,602.55