Exhibit 99.10


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
April 30, 1997



Expected B Maturity 09/15/00


Blended Coupon 6.5790%


Excess Protection Level
3 Month Average 3.93%
April, 1997 3.10%
March, 1997 4.77%
February, 1997 3.93%


Cash Yield 16.23%


Investor Charge Offs 4.55%


Base Rate 8.58%


Over 35 Day Delinquency 4.27%


Seller's Interest 20.02%


Total Payment Rate 12.21%


Total Principal Balance $27,182,850,184.68


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,443,222,666.19