Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-H

KEY PERFORMANCE FACTORS
OCTOBER, 1997



Expected B Maturity
09/17/01


Blended Coupon
5.8815%



Excess Protection Level
3 Month Average 4.91%
October, 1997 5.37%
September, 1997 4.77%
August, 1997 4.57%


Cash Yield 18.42%


Investor Charge Offs 4.61%


Base Rate 8.44%


Over 35 Day Delinquency 4.76%


Seller's Interest 13.78%


Total Payment Rate 14.00%


Total Principal Balance $
31,941,631,051.83


Investor Participation Amount $
1,200,000,000.00


Seller Participation Amount $
4,401,496,533.34