04:39:40 PM EXHIBIT 99. 10


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
SEPTEMBER, 1996



Expected B Maturity 09/15/00


Blended Coupon 6.7856%


Excess Protection Level
3 Month Average 4.43%
September, 1996 4.28%
August, 1996 5.11%
July, 1996 3.90%


Cash Yield 17.10%


Investor Charge Offs 4.26%


Base Rate 8.56%


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 $500,000,000.00


Seller Participation Amount $2,373,962,735.11