04:22:30 PM EXHIBIT 99. 10


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
APRIL, 1996



Expected B Maturity 09/15/00


Blended Coupon 6.5741%


Excess Protection Level
3 Month Average 4.88%
April, 1996 4.20%
March, 1996 5.25%
February, 1996 5.21%


Cash Yield 16.71%


Investor Charge Offs 3.94%


Base Rate 8.57%


Over 35 Day Delinquency 4.01%


Seller's Interest 21.75%


Total Payment Rate 10.71%


Total Principal Balance $14,617,538,112.27


Investor Participation Amount $500,000,000.00


Seller Participation Amount $3,179,663,112.27