Exhibit 99.13

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J

KEY PERFORMANCE FACTORS
January 31, 2001



Expected B Maturity 10/15/03


Blended Coupon 6.0785%



Excess Protection Level
3 Month Average 4.57%
January, 2001 6.89%
December, 2000 0.34%
November, 2000 6.46%


Cash Yield 19.75%


Investor Charge Offs 4.73%


Base Rate 8.13%


Over 30 Day Delinquency 4.88%


Seller's Interest 11.58%


Total Payment Rate 14.47%


Total Principal Balance $57,905,967,832.59


Investor Participation Amount $1,000,000,000.00


Seller Participation Amount $6,705,277,271.1