Exhibit 99.18 MBNA MASTER CREDIT CARD TRUST II SERIES 1996-H KEY PERFORMANCE FACTORS JULY, 1999 Expected B Maturity 09/17/01 Blended Coupon 5.1563% Excess Protection Level 3 Month Average 6.38% July, 1999 6.30% June, 1999 5.25% May, 1999 7.58% Cash Yield 18.74% Investor Charge Offs 4.97% Base Rate 7.47% Over 30 Day Delinquency 4.84% Seller's Interest 9.75% Total Payment Rate 14.54% Total Principal Balance $ 45,698,903,036.29 Investor Participation Amount $ 1,200,000,000.00 Seller Participation Amount $ 4,456,383,517.80