Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J

KEY PERFORMANCE FACTORS
August 31, 1998



Expected B Maturity 10/15/03


Blended Coupon 5.8364%



Excess Protection Level
3 Month Average 5.40%
August, 1998 6.32%
July, 1998 5.20%
June, 1998 4.68%


Cash Yield 19.08%


Investor Charge Offs 5.09%


Base Rate 7.67%


Over 35 Day Delinquency 5.00%


Seller's Interest 11.64%


Total Payment Rate 14.21%


Total Principal Balance $37,775,682,964.86


Investor Participation Amount $1,000,000,000.00


Seller Participation Amount $4,395,888,446.3