Exhibit 99.13

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-B

KEY PERFORMANCE FACTORS
March 31, 1998



Expected B Maturity 4/17/06


Blended Coupon 5.9906%



Excess Protection Level
3 Month Average 4.97%
March, 1998 5.70%
February, 1998 4.57%
January, 1998 4.65%


Cash Yield 18.54%


Investor Charge Offs 4.85%


Base Rate 7.99%


Over 35 Day Delinquency 5.06%


Seller's Interest 11.41%


Total Payment Rate 13.80%


Total Principal Balance $33,909,306,783.29


Investor Participation Amount $500,000,000.00


Seller Participation Amount $3,867,972,264.80