Exhibit 99.19 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-H KEY PERFORMANCE FACTORS NOVEMBER, 1996 Expected B Maturity 09/17/01 Blended Coupon 5.6334% Excess Protection Level 3 Month Average 4.80% November, 1996 5.42% October, 1996 5.19% September, 1996 3.79% Cash Yield 17.08% Investor Charge Offs 3.86% Base Rate 7.79% Over 35 Day Delinquency 4.38% Seller's Interest 15.65% Total Payment Rate 11.72% Total Principal Balance $ 22,372,660,639.66 Investor Participation Amount $ 1,200,000,000.00 Seller Participation Amount $ 3,500,733,121.17