Exhibit 99.10 
 
 
MBNA MASTER CREDIT CARD TRUST II SERIES 1995-F 
 
KEY PERFORMANCE FACTORS 
February 28, 1997 
 
 
 
        Expected B Maturity                                       09/15/00 
 
 
        Blended Coupon                                             7.2622% 
 
 
        Excess Protection Level 
          3 Month Average  4.11% 
          February, 1997  3.93% 
          January, 1997  3.67% 
          December, 1996  4.75% 
 
 
        Cash Yield                                  16.84% 
 
 
        Investor Charge Offs                        4.37% 
 
 
        Base Rate                                   8.54% 
 
 
        Over 35 Day Delinquency                     4.65% 
 
 
        Seller's Interest                           16.44% 
 
 
        Total Payment Rate                          12.64% 
 
 
        Total Principal Balance                     $25,119,592,718.23 
 
 
        Investor Participation Amount               $500,000,000.00 
 
 
        Seller Participation Amount                 $4,129,965,199.74