Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-H

KEY PERFORMANCE FACTORS
MAY, 1997



Expected B Maturity 09/17/01


Blended Coupon 5.9459%



Excess Protection Level
3 Month Average 4.79%
May, 1997 4.44%
April, 1997 4.07%
March, 1997 5.88%


Cash Yield 17.28%


Investor Charge Offs 4.53%


Base Rate 8.31%


Over 35 Day Delinquency 4.38%


Seller's Interest 15.43%


Total Payment Rate 12.75%


Total Principal Balance $ 27,132,480,390.99


Investor Participation Amount $ 1,200,000,000.00


Seller Participation Amount $ 4,186,442,872.50