Exhibit 99.13

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A

KEY PERFORMANCE FACTORS
November 30, 1996



Expected B Maturity 3/17/03


Blended Coupon 5.6130%



Excess Protection Level
3 Month Average 5.30%
November, 1996 5.41%
October, 1996 5.20%
September, 1996 5.29%


Cash Yield 17.08%


Investor Charge Offs 3.86%


Base Rate 7.80%


Over 35 Day Delinquency 4.38%


Seller's Interest 15.65%


Total Payment Rate 11.72%


Total Principal Balance $22,372,660,639.66


Investor Participation Amount $700,000,000.00


Seller Participation Amount $3,500,733,121.17