EXECUTION COPY                            Exhibit 4.8
	



	FIRST AMENDMENT 
	TO THE
	SERIES 1994-D SUPPLEMENT
	TO THE
	POOLING AND SERVICING AGREEMENT



		This FIRST AMENDMENT TO THE SERIES 1994-D SUPPLEMENT TO THE 
POOLING AND SERVICING AGREEMENT (this "Amendment"), dated as of April 
30, 1996, is by and between MBNA AMERICA BANK, NATIONAL ASSOCIATION, as 
Seller and Servicer, and THE BANK OF NEW YORK, as Trustee.

		WHEREAS the Seller and Servicer and the Trustee have 
executed that certain Pooling and Servicing Agreement, dated as of 
August 4, 1994, as amended by the First Amendment to the Pooling and 
Servicing Agreement, dated as of March 11, 1996 (as amended from time to 
time, the "Pooling and Servicing Agreement");

		WHEREAS the Seller and Servicer and the Trustee have 
executed that certain Series 1994-D Supplement to the Pooling and 
Servicing Agreement, dated as of October 26, 1994 (as amended from time 
to time, the "Series 1994-D Supplement," and together with the Pooling 
and Servicing Agreement, the "Agreement");

		WHEREAS the Seller and Servicer and the Trustee wish to 
amend the Series 1994-D Supplement as provided herein;

		NOW THEREFORE, in consideration of the promises and the 
agreements contained herein, the parties hereto agree as follows:

		SECTION 1.  Amendments of Section 2.

		(a) The definition of "Net Servicing Fee Rate" in Section 2 
is hereby amended to read as follows:

			"Net Servicing Fee Rate" shall mean (a) so long as the 
Seller or The Bank of New York is the Servicer, 1.25% per annum 
and (b) if the Seller or The Bank of New York is no longer the 
Servicer, 2.0% per annum.

		(b) The definition of "Series Servicing Fee Percentage" in 
Section 2 is hereby amended to read as follows:

			"Series Servicing Fee Percentage" shall mean 2.0%.

		(c) The definition of "Servicer Interchange" in Section 2 is 
hereby amended by deleting "1%" and replacing such percentage with 
"0.75%".

		SECTION 2.  Amendment of Subsection 3(a).  Subsection 3(a) 
is hereby amended by deleting "1%" and replacing such percentage with 
"0.75%".

		SECTION 3.  Effectiveness.  The amendments provided for by 
this Amendment shall become effective as of April 1, 1996 (provided, 
however, that such amendments will not affect any allocations, payments 
or distributions to be made with respect to the April 1996 Transfer Date 
or the April 1996 Distribution Date), upon receipt by the Trustee of the 
following, each of which shall be satisfactory to the Trustee in its 
sole discretion:

		(a)  Notification in writing from each of Moody's and 
Standard & Poor's to the effect that the terms of this Amendment will 
not result in a reduction or withdrawal of the rating of any outstanding 
Series or Class to which it is a Rating Agency.

		(b)  Confirmation from the Seller and Servicer that it has 
received a copy of the written notification referred to in subsection 
3(a) above and that such written notification is satisfactory to the 
Seller and Servicer in its sole discretion.

		(c)  An Opinion of Counsel for the Seller addressed to the 
Trustee to the effect that the terms of this Amendment will not 
adversely affect in any material respect the interests of any Investor 
Certificateholder.

		(d)  Counterparts of this Amendment, duly executed by the 
parties hereto.

		SECTION 4.  Agreement in Full Force and Effect as Amended.  
Except as specifically amended or waived hereby, all of the terms and 
conditions of the Agreement shall remain in full force and effect.  All 
references to the Agreement in any other document or instrument shall be 
deemed to mean such Agreement as amended by this Amendment.  This 
Amendment shall not constitute a novation of the Agreement, but shall 
constitute an amendment thereof.  The parties hereto agree to be bound 
by the terms and obligations of the Agreement, as amended by this 
Amendment, as though the terms and obligations of the Agreement were set 
forth herein.

		SECTION 5.  Counterparts.  This Amendment may be executed in 
any number of counterparts and by separate parties hereto on separate 
counterparts, each of which when executed shall be deemed an original, 
but all such counterparts taken together shall constitute one and the 
same instrument.

		SECTION 6.  Governing Law.  THIS AMENDMENT SHALL BE 
CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE, WITHOUT 
REFERENCE TO ITS CONFLICT OF LAW PROVISIONS, AND THE OBLIGATIONS, RIGHTS 
AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE 
WITH SUCH LAWS; PROVIDED, HOWEVER, THAT THE IMMUNITIES AND STANDARD OF 
CARE OF THE TRUSTEE IN THE ADMINISTRATION OF THE TRUST HEREUNDER SHALL 
BE GOVERNED BY THE LAWS OF THE STATE OF NEW YORK.

		SECTION 7.  Defined Terms.  Capitalized terms used herein 
and not otherwise defined shall have the meanings assigned to such terms 
in the Series 1994-D Supplement.
		IN WITNESS WHEREOF, the Seller, the Servicer and the Trustee 
have caused this Amendment to be duly executed by their respective 
officers as of the day and year first above written.


						MBNA AMERICA BANK,
						  NATIONAL ASSOCIATION,
						  Seller and Servicer



						By: /s/  Karen F. Winkler     
						   Name:	Karen F. Winkler
						   Title:	First Vice President


						THE BANK OF NEW YORK,
						  Trustee



						By: /s/  Joseph G. Ernst          
	   					   Name: Joseph G. Ernst
						   Title:	Assistant Vice President
 

(..continued)