05:16:18 PM EXHIBIT 99. 14


MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B

KEY PERFORMANCE FACTORS
APRIL, 1996



Expected B Maturity 04/17/06


Blended Coupon 5.7650%


Excess Protection Level
3 Month Average 3.05%
April, 1996 3.05%
March, 1996 N/A
February, 1996 N/A


Cash Yield 16.84%


Investor Charge Offs 3.55%


Base Rate 10.24%


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 $500,000,000.00


Seller Participation Amount $3,179,663,112.27



* For the purposes of calculating the Base Rate and Excess Protection
Level, a Coupon of 8.24% (35/360) was used. The Base Rate
was calculated using a 36 day monthly period, 3/26/96 - 4/30/96