Exhibit 99.19 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-H KEY PERFORMANCE FACTORS OCTOBER 31, 1996 Expected B Maturity 09/17/01 Blended Coupon 5.6340% Excess Protection Level 3 Month Average 4.49% October, 1996 5.19% September, 1996 3.79% August, 1996 N/A Cash Yield 16.79% Investor Charge Offs 3.73% Base Rate 7.87% Over 35 Day Delinquency 4.26% Seller's Interest 13.91% Total Payment Rate 12.45% Total Principal Balance $ 21,339,637,968.33 Investor Participation Amount $ 1,200,000,000.00 Seller Participation Amount $ 2,967,710,449.84