Published on October 16, 1996
05:29:08 PM EXHIBIT 99. 1
MBNA MASTER CREDIT CARD TRUST II SERIES 94-A
KEY PERFORMANCE FACTORS
SEPTEMBER, 1996
Expected B Maturity 9/15/99
Blended Coupon 5.7116%
Excess Protection Level
3 Month Average 5.20%
September, 1996 5.32%
August, 1996 5.68%
July, 1996 4.58%
Cash Yield 17.10%
Investor Charge Offs 4.26%
Base Rate 7.52%
Over 35 Day Delinquency 4.20%
Seller's Interest 12.02%
Total Payment Rate 12.77%
Total Principal Balance $19,745,890,253.60
Investor Participation Amount $760,000,000.00
Seller Participation Amount $2,373,962,735.11