Exhibit 99.19

MBNA MASTER CREDIT CARD TRUST II SERIES 1996-J

KEY PERFORMANCE FACTORS
September 30, 1998



Expected B Maturity 10/15/03


Blended Coupon 5.7882%



Excess Protection Level
3 Month Average 5.30%
September, 1998 4.38%
August, 1998 6.32%
July, 1998 5.20%


Cash Yield 17.36%


Investor Charge Offs 5.18%


Base Rate 7.79%


Over 35 Day Delinquency 5.04%


Seller's Interest 13.10%


Total Payment Rate 13.10%


Total Principal Balance $39,849,511,082.92


Investor Participation Amount $1,000,000,000.00


Seller Participation Amount $5,219,716,564.4