11:05:37 AM EXHIBIT 99. 13


MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A

KEY PERFORMANCE FACTORS
SEPTEMBER, 1996



Expected B Maturity 03/17/03


Blended Coupon 5.7419%


Excess Protection Level
3 Month Average 5.17%
September, 1996 5.29%
August, 1996 5.66%
July, 1996 4.56%


Cash Yield 17.10%


Investor Charge Offs 4.26%


Base Rate 7.55%


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 $700,000,000.00


Seller Participation Amount $2,373,962,735.11