Exhibit 99.13

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B

KEY PERFORMANCE FACTORS
February 28, 1998



Expected B Maturity 4/17/06


Blended Coupon 5.9286%



Excess Protection Level
3 Month Average 4.78%
February, 1998 4.57%
January, 1998 4.65%
December, 1997 5.12%


Cash Yield 16.74%


Investor Charge Offs 4.83%


Base Rate 7.34%


Over 35 Day Delinquency 5.04%


Seller's Interest 15.07%


Total Payment Rate 12.54%


Total Principal Balance $34,488,564,555.67


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,197,230,037.18