Exhibit 99.12 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A KEY PERFORMANCE FACTORS June 30, 1999 Expected B Maturity 3/17/03 Blended Coupon 5.2255% Excess Protection Level 3 Month Average 5.94% June, 1999 5.14% May, 1999 7.60% April, 1999 5.09% Cash Yield 17.44% Investor Charge Offs 5.06% Base Rate 7.23% Over 30 Day Delinquency 4.82% Seller's Interest 11.01% Total Payment Rate 13.71% Total Principal Balance $44,380,968,357.42 Investor Participation Amount $700,000,000.00 Seller Participation Amount $4,888,448,838.93