Exhibit 99.18 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-H KEY PERFORMANCE FACTORS JUNE, 1999 Expected B Maturity 09/17/01 Blended Coupon 5.1400% Excess Protection Level 3 Month Average 6.01% June, 1999 5.25% May, 1999 7.58% April, 1999 5.18% Cash Yield 17.46% Investor Charge Offs 5.06% Base Rate 7.14% Over 30 Day Delinquency 4.82% Seller's Interest 11.01% Total Payment Rate 13.71% Total Principal Balance $ 44,380,968,357.42 Investor Participation Amount $ 1,200,000,000.00 Seller Participation Amount $ 4,888,448,838.93