09:32:57 AM EXHIBIT 99. 18


MBNA MASTER CREDIT CARD TRUST II SERIES 1996-G

KEY PERFORMANCE FACTORS
SEPTEMBER, 1996



Expected B Maturity 08/15/06


Blended Coupon 5.7414%


Excess Protection Level
3 Month Average 4.28%
September, 1996 5.31%
August, 1996 3.24%
July, 1996 N/A


Cash Yield 17.10%


Investor Charge Offs 4.26%


Base Rate 7.53%


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 $500,000,000.00


Seller Participation Amount $2,373,962,735.11