Exhibit 99.22

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-L

KEY PERFORMANCE FACTORS
APRIL, 1998



Expected B Maturity 12/15/99


Blended Coupon 5.7074%



Excess Protection Level
3 Month Average 5.59%
April, 1998 6.03%
March, 1998 5.97%
February, 1998 4.76%


Cash Yield 18.70%


Investor Charge Offs 4.96%


Base Rate 7.71%


Over 35 Day Delinquency 5.03%


Seller's Interest 14.63%


Total Payment Rate 14.61%


Total Principal Balance $ 35,947,972,379.88


Investor Participation Amount $ 500,000,000.00


Seller Participation Amount $ 5,259,577,861.39