Exhibit 99.10


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
December 31, 1996



Expected B Maturity 09/15/00


Blended Coupon 6.5762%


Excess Protection Level
3 Month Average 4.60%
December, 1996 4.75%
November, 1996 4.63%
October, 1996 4.44%


Cash Yield 17.30%


Investor Charge Offs 3.97%


Base Rate 8.58%


Over 35 Day Delinquency 4.52%


Seller's Interest 17.12%


Total Payment Rate 11.85%


Total Principal Balance $23,372,253,332.68


Investor Participation Amount $500,000,000.00


Seller Participation Amount $4,000,325,814.19