Exhibit 99.10


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
November 30, 1996



Expected B Maturity 09/15/00


Blended Coupon 6.3632%


Excess Protection Level
3 Month Average 4.45%
November, 1996 4.63%
October, 1996 4.44%
September, 1996 4.28%


Cash Yield 17.08%


Investor Charge Offs 3.86%


Base Rate 8.58%


Over 35 Day Delinquency 4.38%


Seller's Interest 15.65%


Total Payment Rate 11.72%


Total Principal Balance $22,372,660,639.66


Investor Participation Amount $500,000,000.00


Seller Participation Amount $3,500,733,121.17