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