Exhibit 99.13

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-A

KEY PERFORMANCE FACTORS
July 31, 1997



Expected B Maturity 3/17/03


Blended Coupon 5.9154%



Excess Protection Level
3 Month Average 4.59%
July, 1997 4.50%
June, 1997 4.84%
May, 1997 4.43%


Cash Yield 17.53%


Investor Charge Offs 4.92%


Base Rate 8.11%


Over 35 Day Delinquency 4.47%


Seller's Interest 18.18%


Total Payment Rate 14.22%


Total Principal Balance $30,179,392,749.44


Investor Participation Amount $700,000,000.00


Seller Participation Amount $5,486,155,230.95