Exhibit 99.10


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
July 31, 1997



Expected B Maturity 09/15/00


Blended Coupon 6.3767%


Excess Protection Level
3 Month Average 4.05%
July, 1997 4.02%
June, 1997 4.00%
May, 1997 4.15%


Cash Yield 17.53%


Investor Charge Offs 4.92%


Base Rate 8.59%


Over 35 Day Delinquency 4.47%


Seller's Interest 18.18%


Total Payment Rate 14.22%


Total Principal Balance $30,179,392,749.44


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,486,155,230.95