Exhibit 99.10


MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F

KEY PERFORMANCE FACTORS
April 30, 1998



Expected B Maturity 09/15/00


Blended Coupon 6.5773%


Excess Protection Level
3 Month Average 4.53%
April, 1998 5.12%
March, 1998 5.11%
February, 1998 3.36%


Cash Yield 18.66%


Investor Charge Offs 4.96%


Base Rate 8.58%


Over 35 Day Delinquency 5.03%


Seller's Interest 14.63%


Total Payment Rate 14.61%


Total Principal Balance $35,947,972,379.88


Investor Participation Amount $500,000,000.00


Seller Participation Amount $5,259,577,861.39