Exhibit 99.7

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B

KEY PERFORMANCE FACTORS
April 30, 2001



Expected B Maturity 4/17/06


Blended Coupon 5.3277%



Excess Protection Level
3 Month Average 7.62%
April, 2001 7.49%
March, 2001 8.00%
February, 2001 7.38%


Cash Yield 19.61%


Investor Charge Offs 4.98%


Base Rate 7.15%


Over 30 Day Delinquency 4.89%


Seller's Interest 9.33%


Total Payment Rate 13.70%


Total Principal Balance $58,171,313,434.78


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,425,622,873.29