Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J

KEY PERFORMANCE FACTORS
March 31, 1998



Expected B Maturity 10/15/03


Blended Coupon 5.8832%



Excess Protection Level
3 Month Average 5.08%
March, 1998 5.78%
February, 1998 4.66%
January, 1998 4.82%


Cash Yield 18.54%


Investor Charge Offs 4.85%


Base Rate 7.91%


Over 35 Day Delinquency 5.06%


Seller's Interest 11.41%


Total Payment Rate 13.80%


Total Principal Balance $33,909,306,783.29


Investor Participation Amount $1,000,000,000.00


Seller Participation Amount $3,867,972,264.8