Exhibit 99.18

MBNA MASTER CREDIT CARD TRUST II

SERIES 1996-H

KEY PERFORMANCE FACTORS
FEBRUARY, 1998



Expected B Maturity 09/17/01


Blended Coupon 5.7668%



Excess Protection Level
3 Month Average 4.90%
February, 1998 4.70%
January, 1998 4.64%
December, 1997 5.38%


Cash Yield 16.74%


Investor Charge Offs 4.83%


Base Rate 7.21%


Over 35 Day Delinquency 5.04%


Seller's Interest 15.07%


Total Payment Rate 12.54%


Total Principal Balance $ 34,488,564,555.67


Investor Participation Amount $ 1,200,000,000.00


Seller Participation Amount $ 5,197,230,037.18