Exhibit 99.18 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-G KEY PERFORMANCE FACTORS February 28, 1997 Expected B Maturity 8/15/06 Blended Coupon 5.6553% Excess Protection Level 3 Month Average 4.89% February, 1997 5.36% January, 1997 3.85% December, 1996 5.46% Cash Yield 16.84% Investor Charge Offs 4.37% Base Rate 7.11% Over 35 Day Delinquency 4.65% Seller's Interest 16.44% Total Payment Rate 12.64% Total Principal Balance $25,119,592,718.23 Investor Participation Amount $500,000,000.00 Seller Participation Amount $4,129,965,199.74