04:29:31 PM EXHIBIT 99. 13


MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A

KEY PERFORMANCE FACTORS
APRIL, 1996



Expected B Maturity 03/17/03


Blended Coupon 5.7380%


Excess Protection Level
3 Month Average 4.47%
April, 1996 5.03%
March, 1996 3.90%
February, 1996 N/A


Cash Yield 16.71%


Investor Charge Offs 3.94%


Base Rate 7.74%


Over 35 Day Delinquency 4.01%


Seller's Interest 21.75%


Total Payment Rate 10.71%


Total Principal Balance $14,617,538,112.27


Investor Participation Amount $700,000,000.00


Seller Participation Amount $3,179,663,112.27