EXHIBIT 99. 19

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-H

KEY PERFORMANCE FACTORS
SEPTEMBER, 1996



Expected B Maturity 09/17/01


Blended Coupon 5.6396%



Excess Protection Level
3 Month Average 3.79%
September, 1996 * 3.79%
August, 1996 N/A
July, 1996 N/A


Cash Yield 17.23%


Investor Charge Offs 4.04%


Base Rate 9.40%


Over 35 Day Delinquency 4.20%


Seller's Interest 12.02%


Total Payment Rate 12.77%


Total Principal Balance $ 19,745,890,253.60


Investor Participation Amount $ 1,200,000,000.00


Seller Participation Amount $ 2,373,962,735.11


* For the purposes of calculating the Base Rate and Excess Protection
Level, a Coupon of 7.40% (47/360) was used. The Base Rate was
calculated using a 47 day monthly period, 8/14/96 - 9/30/96.





1996-H