Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-H

KEY PERFORMANCE FACTORS
DECEMBER, 1996



Expected B Maturity 09/17/01


Blended Coupon 5.6501%



Excess Protection Level
3 Month Average 5.43%
December, 1996 5.67%
November, 1996 5.42%
October, 1996 5.19%


Cash Yield 17.33%


Investor Charge Offs 3.97%


Base Rate 7.68%


Over 35 Day Delinquency 4.52%


Seller's Interest 17.12%


Total Payment Rate 11.85%


Total Principal Balance $ 23,372,253,332.68


Investor Participation Amount $ 1,200,000,000.00


Seller Participation Amount $ 4,000,325,814.19