Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J

KEY PERFORMANCE FACTORS
February 28, 1998



Expected B Maturity 10/15/03


Blended Coupon 5.8207%



Excess Protection Level
3 Month Average 4.89%
February, 1998 4.66%
January, 1998 4.82%
December, 1997 5.19%


Cash Yield 16.74%


Investor Charge Offs 4.83%


Base Rate 7.25%


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 $1,000,000,000.00


Seller Participation Amount $5,197,230,037.1