Exhibit 99.19 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J KEY PERFORMANCE FACTORS June 30, 1999 Expected B Maturity 10/15/03 Blended Coupon 5.1815% Excess Protection Level 3 Month Average 5.99% June, 1999 5.19% May, 1999 7.61% April, 1999 5.16% Cash Yield 17.44% Investor Charge Offs 5.06% Base Rate 7.18% 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 $1,000,000,000.00 Seller Participation Amount $4,888,448,838.9