Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-H

KEY PERFORMANCE FACTORS
APRIL, 1997



Expected B Maturity 09/17/01


Blended Coupon 5.6604%



Excess Protection Level
3 Month Average 5.11%
April, 1997 4.07%
March, 1997 5.88%
February, 1997 5.38%


Cash Yield 16.27%


Investor Charge Offs 4.55%


Base Rate 7.66%


Over 35 Day Delinquency 4.27%


Seller's Interest 20.02%


Total Payment Rate 12.21%


Total Principal Balance $ 27,182,850,184.68


Investor Participation Amount $ 1,200,000,000.00


Seller Participation Amount $ 5,443,222,666.19