EXHIBIT 99. 19  
  
MBNA MASTER CREDIT CARD TRUST II   
  
SERIES 1996-H  
  
KEY PERFORMANCE FACTORS  
SEPTEMBER, 1996  
  
  
  
        Expected B Maturity                                       09/17/01  
  
  
        Blended Coupon                                          	 5.6396%  
  
  
  
        Excess Protection Level  
          3 Month Average	 3.79%  
        September, 1996                                            * 3.79%  
        August, 1996                                                	N/A  
        July, 1996                                            	N/A  
  
  
        Cash Yield                                                  17.23%  
  
  
        Investor Charge Offs                                         4.04%  
  
  
        Base Rate                                                    9.40%  
  
  
        Over 35 Day Delinquency                                      4.20%  
  
  
        Seller's Interest                                           12.02%  
  
  
        Total Payment Rate                                          12.77%  
  
  
        Total Principal Balance                     	$ 19,745,890,253.60  
  
  
        Investor Participation Amount               $ 1,200,000,000.00  
  
  
        Seller Participation Amount                 	$ 2,373,962,735.11  
  
  
       * For the purposes of calculating the Base Rate and Excess Protection
        Level, a Coupon of 7.40% (47/360) was used. The Base Rate was 
         calculated using a 47 day monthly period, 8/14/96 - 9/30/96. 
  
  
  
  
  
1996-H