MBNA AMERICA BK NAT ASSOC MBNA MASTER CREDIT CARD TRUST
8-K, 1996-09-13
ASSET-BACKED SECURITIES
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==============================================================================


                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            WASHINGTON, D.C. 20529

                                CURRENT REPORT



Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report:     September 13, 1996


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               ON BEHALF OF THE
                        MBNA MASTER CREDIT CARD TRUST
            (Exact name of registrant as specified in its charter)


                          33-41850, 33-47934, 33-49850,
                          33-54462, 33-57988, 33-63684,
  United States           33-64244                             51-0331454
- -----------------        -----------------------------       --------------
(State or other               (Commission File               (IRS Employer
 jurisdiction of                    Number)               Identification No.)
 incorporation)  


                             1100 North King Street
                              Wilmington, DE. 19801
- ------------------------------------------------------------------------------
                   (Address of principal executive office)



Registrant's telephone number, including area code  (302) 453-9930.
                                                    ---------------

<PAGE>


ITEM 5.   OTHER EVENTS


     The following are filed as Exhibits to this Report under Exhibit 20:

     20.1.  Series 1991-1 (File No. 33-41850) Certificateholders'Statement for 
the month ended August 31, 1996.

     20.2.  Series 1992-1 (File No. 33-47934) Certificateholders'Statement for 
the month ended August 31, 1996.

     20.3.  Series 1992-2 (File No. 33-49850) Certificateholders'Statement for 
the month ended August 31, 1996.

     20.4.  Series 1992-3 (File No. 33-54462) Certificateholders'Statement for 
the month ended August 31, 1996.

     20.5.  Series 1993-1 (File No. 33-57988) Certificateholders'Statement for 
the month ended August 31, 1996.

     20.6.  Series 1993-2 (File No. 33-63684) Certificateholders'Statement for 
the month ended August 31, 1996.

     20.7.  Series 1993-3 (File No. 33-64244) Certificateholders'Statement for 
the month ended August 31, 1996.

     20.8.  Series 1993-4 (File No. 33-64244) Certificateholders'Statement for 
the month ended August 31, 1996.

     20.9.  Series 1994-1 (File No. 33-64244) Certificateholders'Statement for 
the month ended August 31, 1996.

    20.10.  Series 1994-2 (File No. 33-64244) Certificateholders'Statement for 
the month ended August 31, 1996.


<PAGE>


ITEM 5.   OTHER EVENTS


     The following are filed as Exhibits to this Report under Exhibit 99:

     99.1.  Series 1991-1 (File No. 33-41850) Key Performance Factors for the  
month ended August 31, 1996.
   
     99.2.  Series 1992-1 (File No. 33-47934) Key Performance Factors for the 
month ended August 31, 1996.

     99.3.  Series 1992-2 (File No. 33-49850) Key Performance Factors for the 
month ended August 31, 1996.

     99.4.  Series 1992-3 (File No. 33-54462) Key Performance Factors for the 
month ended August 31, 1996.

     99.5.  Series 1993-1 (File No. 33-57988) Key Performance Factors for the 
month ended August 31, 1996.

     99.6.  Series 1993-2 (File No. 33-63684) Key Performance Factors for the 
month ended August 31, 1996.

     99.7.  Series 1993-3 (File No. 33-64244) Key Performance Factors for the 
month ended August 31, 1996.

     99.8.  Series 1993-4 (File No. 33-64244) Key Performance Factors for the 
month ended August 31, 1996.

     99.9.  Series 1994-1 (File No. 33-64244) Key Performance Factors for the 
month ended August 31, 1996.

    99.10.  Series 1994-2 (File No. 33-64244) Key Performance Factors for the 
month ended August 31, 1996.



                                  SIGNATURES


     Pursuant to the requirements of the Securities Exchange Act of 1934, the 
Registrant has duly caused this report to be signed on its behalf by the 
undersigned thereunto duly authorized.


Dated:     September 13, 1996


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                By:         Douglas O. Hart
                                   ----------------------------------
                                Name:       Douglas O. Hart
                                Title:      Executive Vice President


                 CUSIP  55262N AA4                        Exhibit 20. 1
                 ----------------                         --------------

        FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



              MBNA AMERICA BANK, N.A.

     ____________________________________________

     MBNA MASTER CREDIT CARD TRUST SERIES 1991-1
     ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1991-1
Supplement dated September 25, 1991 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA AMERICA BANK, N.A.
("MBNA") and Bankers Trust Company, as trustee (the "Trustee")
MBNA, as Servicer is required to prepare certain information
each month regarding current distributions to Series 1991-1
Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1991-1
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.   Information Regarding the Current Monthly
     Distribution (Stated on the Basis of
     $1,000 Original Certificate Principal Amount).


     1. The total amount of the distribution
        to Certificateholders on the Distribution
        Date, per $1,000 original
        certificate principal amount . . . .             $        87.638889
                                                          -----------------
                                                          03:19:56 PM
     2.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of interest on the Certifi-
         cates, per $1,000 original
         certificate principal amount . . . .            $         4.305556
                                                          -----------------

     3. The amount of the distribution set
        forth in paragraph 1 above in
        respect of principal of the Cer-
        tificates, per $1,000 original
        certificate principal amount  . . . .            $        83.333333
                                                          -----------------

B.   Information Regarding the Performance of the Trust.

     1.  Collection of Principal Receivables.

         The aggregate amount of Collections
         on Principal Receivables processed
         during the preceding Monthly Period
         which were allocated in respect
         of the Certificates . . . . . . . .             $    97,437,129.97
                                                          -----------------


     2.  Deficit Controlled Amortization
         Amount . . . . . . . . . . . . . . .            $             0.00
                                                          -----------------

     3.  Principal Receivables in the Trust


         (a)  The aggregate amount of Prin-
              cipal Receivables in the
              Trust as of the end of the last day
              of the preceding Monthly Period
              (which reflects the Principal
              Receivables represented by the
              Seller Interest and by the
              Aggregate Investor Interest) . . . . .     $ 9,048,871,419.50
                                                          -----------------


         (b)  The amount of Principal Re-
              ceivables in the Trust represented
              by the Investor Interest of Series
              1991-1 as of the last day of the
              preceding Monthly Period . . .             $   666,666,666.68
                                                          -----------------





     1991-1                              C-2              03:19:56 PM



         (c)  The Investor Interest of Series
              1991-1 set forth in paragraph
              3(b) above as a percentage of
              the aggregate amount of Prin-
              cipal Receivables set forth
              in paragraph 3(a) above . . . . .                       7.37%
                                                                    -------

     4.  Delinquent Balances.

         The aggregate amount of outstand-
         ing balances in the Accounts which
         were delinquent as of the end of
         the last day of the preceding
         Monthly Period:

                                               Percentage     Aggregate
                                                of Total       Account
                                              Receivables      Balance
                                                -------        -------

         (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                 ------   -----------------
         (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                 ------   -----------------
         (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                 ------   -----------------
         (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                 ------   -----------------
         (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                 ------   -----------------



                                        Total    4.51%      $415,181,709.35
                                                 ------   -----------------



     5.  Investor Default Amount.

         The aggregate amount of all de-
         faulted Principal Receivables
         written off as uncollectible dur-
         ing the preceding Monthly Period
         allocable to the Investor
         Interest of Series 1991-1 (the "Aggre-
         gate Investor Default Amount") . . .            $     2,415,364.73
                                                          -----------------

     6.  Investor Charge Offs

         (a)  The excess of the Aggregate Inves-
              tor Default Amount set forth in
              paragraph 5 above, over the
              amount of the withdrawals from



     1991-1                          C-3                  03:19:56 PM

              the Cash Collateral Account made
              to reimburse the Trust for such
              amount written off (an "In-
              vestor Charge Off") . . . . . .            $             0.00
                                                          -----------------

         (b)  The amount of the Investor
              Charge Offs set forth in para-
              graph 6(a) above, per $1,000
              original certificate princi-
              pal amount (which will have
              the effect of reducing, pro
              rata, the amount of each
              Certificateholder's invest-
              ment) . . . . . . . . . . . . .            $             0.00
                                                          -----------------

         (c)  The aggregate amount of
              Investor Charge Offs reimbursed
              on the Transfer Date immediately
              preceding such Distribution
              Date . . . . . . . . . . . . .             $             0.00
                                                          -----------------

         (d)  The amount of the reimbursed
              Investor Charge Offs set forth
              in paragraph 6(c) above, per
              $1,000 original certificate
              principal amount . . . . . . .             $             0.00
                                                          -----------------


     7.  Investor Servicing Fee.

         The amount of the Investor Monthly
         Servicing Fee payable by the Trust
         to the Servicer for the preceding
         Monthly Period . . . . . . . . . . .            $     1,388,888.89
                                                          -----------------

     8.  Available Cash Collateral Amount.

         The amount available to be withdrawn
         from the Cash Collateral Account as of
         the close of business on
         September 13, 1996 (the "Transfer
         Date"), after giving effect to all
         withdrawals, deposits and payments to
         be made in respect of the preced-
         ing month . . . . . . . . . . . . .             $    66,666,666.67
                                                          -----------------






     1991-1                            C-4                03:19:56 PM



     9.  The Required Cash Collateral Amount on
         the Transfer Date . . . . . . . . .             $    66,666,666.67
                                                          -----------------


     10. Deficit Controlled Amortization
         Amount.

         With respect to the next succeed-
         ing Monthly Period, the amount,
         if any, by which the Controlled
         Distribution Amount exceeds
         the Monthly Total Percentage
         Allocation, determined as of the
         last day of the preceding month . .             $             0.00
                                                          -----------------

C.   The Pool Factor.

         The Pool Factor for the preceding
         Record Date (which represents the
         ratio of the amount of the Inves-
         tor Interest for Series 1991-1 as
         of such Record Date (adjusted after
         taking into account any reduction
         in the Investor Interest which will
         occur on the following Distribution
         Date) to the Initial Investor Inter-
         est for Series 1991-1).  The amount of
         a Certificateholder's pro rata share
         of the Investor Interest for Series
         1991-1 can be determined by
         multiplying the original denomination
         of the Certificateholder's
         Certificate by the Pool Factor . . . . .         0.5833333
                                                          ---------


                           MBNA AMERICA BANK, N.A.
                           Servicer



                       By: Marguerite M. Boylan 
                      _______________________________
                           Marguerite M. Boylan
                           Vice President










     1991-1                               C-5             03:19:56 PM


                CUSIP 55262N AB2                         Exhibit 20. 2
                ----------------                         --------------

        FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



             MBNA AMERICA BANK, N.A.

    ____________________________________________

    MBNA MASTER CREDIT CARD TRUST SERIES 1992-1
    ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1992-1
Supplement dated May 29, 1992 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA America Bank, N.A.
("MBNA") and Bankers Trust Company, as trustee (the "Trustee"),
MBNA, as Servicer is required to prepare certain information
each month regarding current distributions to Series 1992-1
Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1992-1
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.  Information Regarding the Current Monthly
    Distribution (Stated on the Basis of
    $1,000 Original Certificate Principal Amount).


    1. The total amount of the distribution
       to Certificateholders on the Distribution
       Date, per $1,000 original
       certificate principal amount . . . .             $         6.041667
                                                         -----------------
                                                         09:54:14 AM
    2.  The amount of the distribution set
        forth in paragraph 1 above in
        respect of interest on the Certifi-
        cates, per $1,000 original
        certificate principal amount . . . .            $         6.041667
                                                         -----------------

    3. The amount of the distribution set
       forth in paragraph 1 above in
       respect of principal of the Cer-
       tificates, per $1,000 original
       certificate principal amount  . . . .            $             0.00
                                                         -----------------

B.  Information Regarding the Performance of the Trust.

    1.  Collection of Principal Receivables.

        The aggregate amount of Collections
        on Principal Receivables processed
        during the preceding Monthly Period
        which were allocated in respect
        of the Certificates . . . . . . . .             $    48,691,003.51
                                                         -----------------


    2.  Deficit Controlled Amortization
        Amount . . . . . . . . . . . . . . .            $             0.00
                                                         -----------------

    3.  Principal Receivables in the Trust


        (a)  The aggregate amount of Prin-
             cipal Receivables in the
             Trust as of the end of the last day
             of the preceding Monthly Period
             (which reflects the Principal
             Receivables represented by the
             Seller Interest and by the
             Aggregate Investor Interest) . . . . .     $ 9,048,871,419.50
                                                         -----------------


        (b)  The amount of Principal Re-
             ceivables in the Trust represented
             by the Investor Interest of Series
             1992-1 as of the last day of the
             preceding Monthly Period . . .             $   500,000,000.00
                                                         -----------------





    1992-1                              C-2              09:54:14 AM



        (c)  The Investor Interest of Series
             1992-1 set forth in paragraph
             3(b) above as a percentage of
             the aggregate amount of Prin-
             cipal Receivables set forth
             in paragraph 3(a) above . . . . .                       5.53%
                                                                ----------

    4.  Delinquent Balances.

        The aggregate amount of outstand-
        ing balances in the Accounts which
        were delinquent as of the end of
        the last day of the preceding
        Monthly Period:

                                              Percentage Aggregate
                                               of Total  Account
                                             Receivables Balance
                                               -------   -------

        (a)  35 - 64 days: . . . . . . . . .    1.95%       179,282,956.48
                                               -------   -----------------
        (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                               -------   -----------------
        (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                               -------   -----------------
        (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                               -------   -----------------
        (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                ------   -----------------



                                       Total    4.51%       415,181,709.35
                                                ------   -----------------



    5.  Investor Default Amount.

        The aggregate amount of all de-
        faulted Principal Receivables
        written off as uncollectible dur-
        ing the preceding Monthly Period
        allocable to the Investor
        Interest of Series 1992-1 (the "Aggre-
        gate Investor Default Amount") . . .            $     1,610,243.17
                                                         -----------------

    6.  Investor Charge Offs

        (a)  The excess of the Aggregate Inves-
             tor Default Amount set forth in
             paragraph 5 above, over the
             amount of the withdrawals from



    1992-1                          C-3                  09:54:14 AM

             the Cash Collateral Account made
             to reimburse the Trust for such
             amount written off (an "In-
             vestor Charge Off") . . . . . .            $             0.00
                                                         -----------------

        (b)  The amount of the Investor
             Charge Offs set forth in para-
             graph 6(a) above, per $1,000
             original certificate princi-
             pal amount (which will have
             the effect of reducing, pro
             rata, the amount of each
             Certificateholder's invest-
             ment) . . . . . . . . . . . . .            $             0.00
                                                         -----------------

        (c)  The aggregate amount of
             Investor Charge Offs reimbursed
             on the Transfer Date immediately
             preceding such Distribution
             Date . . . . . . . . . . . . .             $             0.00
                                                         -----------------

        (d)  The amount of the reimbursed
             Investor Charge Offs set forth
             in paragraph 6(c) above, per
             $1,000 original certificate
             principal amount . . . . . . .             $             0.00
                                                         -----------------


    7.  Investor Servicing Fee.

        The amount of the Investor Monthly
        Servicing Fee payable by the Trust
        to the Servicer for the preceding
        Monthly Period . . . . . . . . . . .            $     1,041,666.67
                                                         -----------------

    8.  Available Cash Collateral Amount.

        The amount available to be withdrawn
        from the Cash Collateral Account as of
        the close of business on
        September 13, 1996 (the "Transfer
        Date"), after giving effect to all
        withdrawals, deposits and payments to
        be made in respect of the preced-
        ing month . . . . . . . . . . . . .             $    50,000,000.00
                                                         -----------------






    1992-1                            C-4                09:54:14 AM



    9.  The Required Cash Collateral Amount on
        the Transfer Date . . . . . . . . .             $    50,000,000.00
                                                         -----------------


    10. Deficit Controlled Amortization
        Amount.

        With respect to the next succeed-
        ing Monthly Period, the amount,
        if any, by which the Controlled
        Distribution Amount exceeds
        the Monthly Total Percentage
        Allocation, determined as of the
        last day of the preceding month . .             $             0.00
                                                         -----------------

C.  The Pool Factor.

        The Pool Factor for the preceding
        Record Date (which represents the
        ratio of the amount of the Inves-
        tor Interest for Series 1992-1 as
        of such Record Date (adjusted after
        taking into account any reduction
        in the Investor Interest which will
        occur on the following Distribution
        Date) to the Initial Investor Inter-
        est for Series 1992-1).  The amount of
        a Certificateholder's pro rata share
        of the Investor Interest for Series
        1992-1 can be determined by
        multiplying the original denomination
        of the Certificateholder's
        Certificate by the Pool Factor . . . . .                  1.000000
                                                                 ---------


                          MBNA AMERICA BANK, N.A.
                          Servicer



                      By: Marguerite M. Boylan 
                      _______________________________
                          Marguerite M. Boylan
                          Vice President










    1992-1                               C-5             09:54:14 AM


                 CUSIP 55262N AC0                         Exhibit 20. 3
                 ----------------                         --------------

        FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



              MBNA AMERICA BANK, N.A.

     ____________________________________________

     MBNA MASTER CREDIT CARD TRUST SERIES 1992-2
     ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1992-2
Supplement dated August 6, 1992 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA America Bank, N.A.
("MBNA") and Bankers Trust Company, as trustee (the "Trustee"),
MBNA, as Servicer is required to prepare certain information
each month regarding current distributions to Series 1992-2
Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1992-2
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.   Information Regarding the Current Monthly
     Distribution (Stated on the Basis of
     $1,000 Original Certificate Principal Amount).


     1. The total amount of the distribution
        to Certificateholders on the Distribution
        Date, per $1,000 original
        certificate principal amount . . . .             $         5.166667
                                                          -----------------
                                                          02:24:11 PM
     2.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of interest on the Certifi-
         cates, per $1,000 original
         certificate principal amount . . . .            $         5.166667
                                                          -----------------

     3.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of principal on the Cer-
         tificates, per $1,000 original
         certificate principal amount  . . .             $         0.000000
                                                          -----------------

B.   Information Regarding the Performance of the Trust.

     1.  Collection of Principal Receivables.

         The aggregate amount of Collections
         on Principal Receivables processed
         during the preceding Monthly Period
         which were allocated in respect
         of the Certificates . . . . . . . .             $    48,691,003.51
                                                          -----------------


     2.  Deficit Controlled Amortization
         Amount . . . . . . . . . . . . . . .            $             0.00
                                                          -----------------

     3.  Principal Receivables in the Trust


         (a)  The aggregate amount of Prin-
              cipal Receivables in the
              Trust as of the end of the last day
              of the preceding Monthly Period
              (which reflects the Principal
              Receivables represented by the
              Seller Interest and by the
              Aggregate Investor Interest) . . . . .     $ 9,048,871,419.50
                                                          -----------------


         (b)  The amount of Principal Re-
              ceivables in the Trust represented
              by the Investor Interest of Series
              1992-2 as of the last day of the
              preceding Monthly Period . . .             $   500,000,000.00
                                                          -----------------





     1992-2                              C-2              02:24:11 PM



         (c)  The Investor Interest of Series
              1992-2 set forth in paragraph
              3(b) above as a percentage of
              the aggregate amount of Prin-
              cipal Receivables set forth
              in paragraph 3(a) above . . . . .                       5.53%
                                                                    -------

     4.  Delinquent Balances.

         The aggregate amount of outstand-
         ing balances in the Accounts which
         were delinquent as of the end of
         the last day of the preceding
         Monthly Period:

                                               Percentage     Aggregate
                                                of Total       Account
                                              Receivables      Balance
                                                -------        -------

         (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                 ------   -----------------
         (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                 ------   -----------------
         (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                 ------   -----------------
         (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                 ------   -----------------
         (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                 ------   -----------------



                                        Total    4.51%      $415,181,709.35
                                                 ------   -----------------



     5.  Investor Default Amount.

         The aggregate amount of all de-
         faulted Principal Receivables
         written off as uncollectible dur-
         ing the preceding Monthly Period
         allocable to the Investor
         Interest of Series 1992-2 (the "Aggre-
         gate Investor Default Amount") . . .            $     1,610,243.17
                                                          -----------------

     6.  Investor Charge Offs

         (a)  The excess of the Aggregate Inves-
              tor Default Amount set forth in
              paragraph 5 above, over the
              amount of the withdrawals from



     1992-2                          C-3                  02:24:11 PM

              the Cash Collateral Account made
              to reimburse the Trust for such
              amount written off (an "In-
              vestor Charge Off") . . . . . .            $             0.00
                                                          -----------------

         (b)  The amount of the Investor
              Charge Offs set forth in para-
              graph 6(a) above, per $1,000
              original certificate princi-
              pal amount (which will have
              the effect of reducing, pro
              rata, the amount of each
              Certificateholder's invest-
              ment) . . . . . . . . . . . . .            $             0.00
                                                          -----------------

         (c)  The aggregate amount of
              Investor Charge Offs reimbursed
              on the Transfer Date immediately
              preceding such Distribution
              Date . . . . . . . . . . . . .             $             0.00
                                                          -----------------

         (d)  The amount of the reimbursed
              Investor Charge Offs set forth
              in paragraph 6(c) above, per
              $1,000 original certificate
              principal amount . . . . . . .             $             0.00
                                                          -----------------


     7.  Investor Servicing Fee.

         The amount of the Investor Monthly
         Servicing Fee payable by the Trust
         to the Servicer for the preceding
         Monthly Period . . . . . . . . . . .            $     1,041,666.67
                                                          -----------------

     8.  The Portfolio Yield for the preceding
         Monthly Period . . . . . . . . .                $           14.92%
                                                          -----------------

     9.  Available Cash Collateral Amount.

         The amount available to be withdrawn
         from the Cash Collateral Account as of
         the close of business on
         September 13, 1996 (the "Transfer
         Date"), after giving effect to all
         withdrawals, deposits and payments to
         be made in respect of the preced-
         ing month . . . . . . . . . . . . .             $    50,000,000.00
                                                          -----------------


     1992-2                            C-4                02:24:11 PM



     10.  The Required Cash Collateral Amount on
          the Transfer Date . . . . . . . . .            $    50,000,000.00
                                                          -----------------


     11.  Deficit Controlled Amortization
          Amount.

          With respect to the next succeed-
          ing Monthly Period, the amount,
          if any, by which the Controlled
          Distribution Amount exceeds
          the Monthly Total Percentage
          Allocation, determined as of the
          last day of the preceding month . .            $             0.00
                                                          -----------------

     12.  Collection of Finance Charge Receivables

          The aggregate amount of Collections on
          Finance Charge Receivables and Annual
          Membership Fees processed during the
          preceding Monthly Period which were
          allocated in respect of the Certificates       $    7,828,422.45
                                                          -----------------

C.   The Pool Factor.

          The Pool Factor for the preceding
          Record Date (which represents the
          ratio of the amount of the Inves-
          tor Interest for Series 1992-2 as
          of such Record Date (adjusted after
          taking into account any reduction
          in the Investor Interest which will
          occur on the following Distribution
          Date) to the Initial Investor Inter-
          est for Series 1992-2).  The amount of
          a Certificateholder's pro rata share
          of the Investor Interest for Series
          1992-2 can be determined by
          multiplying the original denomination
          of the Certificateholder's
          Certificate by the Pool Factor . . . . .        1.0000000
                                                          ---------


                       MBNA AMERICA BANK, N.A.
                       Servicer



                       By: Marguerite M. Boylan 
                      _______________________________
                           Marguerite M. Boylan
                           Vice President
     1992-2                               C-5             02:24:11 PM



                  CUSIP 55262N AD8                         Exhibit 20. 4
                  ----------------                         --------------

        FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



                    MBNA AMERICA BANK, N.A.

               ____________________________________________

               MBNA MASTER CREDIT CARD TRUST SERIES 1992-3
               ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1992-3
Supplement dated November 24, 1992 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA America Bank,
National Association ("MBNA") and Bankers Trust Company, as trustee
(the "Trustee") MBNA, as Servicer is required to prepare certain
information each month regarding current distributions to Series
1992-3 Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1992-3
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.    Information Regarding the Current Monthly
      Distribution (Stated on the Basis of
      $1,000 Original Certificate Principal Amount).


      1. The total amount of the distribution
         to Certificateholders on the Distribution
         Date, per $1,000 original
         certificate principal amount . . . .             $         5.144444
                                                           -----------------

      2.  The amount of the distribution set
          forth in paragraph 1 above in
          respect of interest on the Certifi-
          cates, per $1,000 original
          certificate principal amount . . . .            $         5.144444
                                                           -----------------
                                                           02:54:53 PM
      3.  The amount of the distribution set
          forth in paragraph 1 above in
          respect of principal of the Cer-
          tificates, per $1,000 original
          certificate principal amount  . . .             $         0.000000
                                                           -----------------

B.    Information Regarding the Performance of the Trust.

      1.  Collection of Principal Receivables.

          The aggregate amount of Collections
          of Principal Receivables processed
          during the preceding Monthly Period
          which were allocated in respect
          of the Certificates . . . . . . . .             $    48,691,003.51
                                                           -----------------


      2.  Deficit Controlled Amortization
          Amount . . . . . . . . . . . . . . .            $             0.00
                                                           -----------------

      3.  Principal Receivables in the Trust



          (a)  The aggregate amount of Principal
               Receivables in the Trust as of the
               end of the last day of the preceding
               Monthly Period (which reflects the
               Principal Receivables represented by the
               Seller Interest and by the
               Aggregate Investor Interest) . . . . .     $ 9,048,871,419.50
                                                           -----------------

          (b)  The amount of Principal Re-
               ceivables in the Trust represented
               by the Investor Interest of Series
               1992-3 as of the last day of the
               preceding Monthly Period (the
               last day of the month) . . . .             $   500,000,000.00
                                                           -----------------

          (c)  The Investor Interest of Series
               1992-3 set forth in paragraph
               3(b) above as a percentage of
               the aggregate amount of Prin-
               cipal Receivables set forth
               in paragraph 3(a) above . . . . .                       5.53%
                                                                     -------


      1992-3                              C-2              02:54:53 PM






      4.  Delinquent Balances.

          The aggregate amount of outstand-
          ing balances in the Accounts which
          were delinquent as of the end of the
          last day of the preceding Monthly
          Period:

                                                Percentage     Aggregate
                                                 of Total       Account
                                               Receivables      Balance
                                                 -------        -------

          (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                  ------   -----------------
          (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                  ------   -----------------
          (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                  ------   -----------------
          (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                  ------   -----------------
          (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                  ------   -----------------



                                         Total    4.51%      $415,181,709.35
                                                  ------   -----------------



      5.  Investor Default Amount.

          The aggregate amount of all de-
          faulted Principal Receivables
          written off as uncollectible dur-
          ing the preceding Monthly Period
          allocable to the Investor
          Interest for Series 1992-3 (the "Aggre-
          gate Investor Default Amount") . . .            $     1,610,243.17
                                                           -----------------

      6.  Investor Charge Offs

          (a)  The excess of the Aggregate Inves-
               tor Default Amount set forth in
               paragraph 5 above, over the
               amount of the withdrawals from
               the Cash Collateral Account made
               to reimburse the Trust for such
               amount written off (an "In-
               vestor Charge Off") . . . . . .            $             0.00
                                                           -----------------

      1992-3                          C-3                  02:54:53 PM




          (b)  The amount of the Investor
               Charge Offs set forth in para-
               graph 6(a) above, per $1,000
               original certificate princi-
               pal amount (which will have
               the effect of reducing, pro
               rata, the amount of each
               Certificateholders invest-
               ment) . . . . . . . . . . . . .            $             0.00
                                                           -----------------

          (c)  The aggregate amount of
               Investor Charge Offs reimbursed
               on the Transfer Date immediately
               preceding such Distribution
               Date . . . . . . . . . . . . .             $             0.00
                                                           -----------------

          (d)  The amount of the reimbursed
               Investor Charge Offs set forth
               in paragraph 6(c) above, per
               $1,000 original certificate
               principal amount . . . . . . .             $             0.00
                                                           -----------------


      7.  Investor Servicing Fee.

          The amount of the Investor Monthly
          Servicing Fee payable by the Trust
          to the Servicer for the preceding
          Monthly Period . . . . . . . . . . .            $     1,041,666.67
                                                           -----------------

      8.  The Portfolio Yield for the preceding
          Monthly Period . . . . . . . . .                $           14.92%
                                                           -----------------

      9.  Available Cash Collateral Amount.

          The amount available to be withdrawn
          from the Cash Collateral Account as of
          the close of business on
          September 13, 1996 (the "Transfer
          Date"), after giving effect to all
          withdrawals, deposits and payments to
          be made in respect of the preced-
          ing month . . . . . . . . . . . . .             $    60,000,000.00
                                                           -----------------

      10.  The Required Cash Collateral Amount on
           the Transfer Date . . . . . . . . .            $    60,000,000.00
                                                           -----------------


      1992-3                            C-4                02:54:53 PM




      11.  Deficit Controlled Amortization
           Amount.

           With respect to the next succeed-
           ing Monthly Period, the amount,
           if any, by which the Controlled
           Distribution Amount exceeds
           the Monthly Total Percentage
           Allocation, determined as of the
           last day of the preceding month . .            $             0.00
                                                           -----------------

      12.  Collection of Finance Charge Receivables

           The aggregate amount of Collections on
           Finance Charge Receivables and Annual
           Membership Fees processed during the
           preceding Monthly Period which were
           allocated in respect of the Certificates       $    7,828,422.45
                                                           -----------------

C.    The Pool Factor.

           The Pool Factor for the preceding
           Record Date (which represents the
           ratio of the amount of the Inves-
           tor Interest for Series 1992-3 as
           of such Record Date (adjusted after
           taking into account any reduction
           in the Investor Interest which will
           occur on the following Distribution
           Date) to the Initial Investor Inter-
           est for Series 1992-3).  The amount of
           a Certificateholder's pro rata share
           of the Investor Interest for Series
           1992-3 can be determined by
           multiplying the original denomination
           of the Certificateholder's
           Certificate by the Pool Factor . . . . .        1.0000000
                                                           ---------
D.    LIBOR

      LIBOR for the Interest Period stated below:

      August 15, 1996 through September 15, 1996 . . .     5.4375%
                                                           -------



                            MBNA AMERICA BANK, NATIONAL ASSOCIATION
                            Servicer



                        By: Marguerite M. Boylan 
                      _______________________________
                            Marguerite M. Boylan
                            Vice President


      1992-3                               C-5             02:54:53 PM


                  CUSIP 55262N AE6                         Exhibit 20. 5
                  ----------------                         --------------

        FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



                    MBNA AMERICA BANK, N.A.

              ____________________________________________

               MBNA MASTER CREDIT CARD TRUST SERIES 1993-1
              ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1993-1
Supplement dated February 25, 1993 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA America Bank,
National Association ("MBNA") and Bankers Trust Company, as trustee
(the "Trustee"), MBNA, as Servicer is required to prepare certain
information each month regarding current distributions to Series
1993-1 Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1993-1
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.    Information Regarding the Current Monthly
      Distribution (Stated on the Basis of
      $1,000 Original Certificate Principal Amount).


      1. The total amount of the distribution
         to Certificateholders on the Distribution
         Date, per $1,000 original
         certificate principal amount . . . .             $         5.100000
                                                           -----------------

      2.  The amount of the distribution set
          forth in paragraph 1 above in
          respect of interest on the Certifi-
          cates, per $1,000 original
          certificate principal amount . . . .            $         5.100000
                                                           -----------------
                                                           07:23:50 PM
      3.  The amount of the distribution set
          forth in paragraph 1 above in
          respect of principal of the Cer-
          tificates, per $1,000 original
          certificate principal amount  . . .             $         0.000000
                                                           -----------------

B.    Information Regarding the Performance of the Trust.

      1.  Collection of Principal Receivables.

          The aggregate amount of Collections
          on Principal Receivables processed
          during the preceding Monthly Period
          which were allocated in respect
          of the Certificates . . . . . . . .             $    73,036,504.43
                                                           -----------------


      2.  Principal Receivables in the Trust



          (a)  The aggregate amount of Principal
               Receivables in the Trust as of the end
               of the day on the last day of the preceding
               Monthly Period, the last day of the month
               (which reflects the Principal Receivables
               represented by the Seller Interest and by
               the Aggregate Investor Interest). . . .      9,048,871,419.50
                                                           -----------------

          (b)  The amount of Principal Re-
               ceivables in the Trust represented
               by the Investor Interest of Series
               1993-1 as of the last day of the
               preceding Monthly Period (the
               last day of the month) . . . .             $   750,000,000.00
                                                           -----------------

          (c)  The Investor Interest of Series
               1993-1 set forth in paragraph
               2(b) above as a percentage of
               the aggregate amount of Prin-
               cipal Receivables set forth
               in paragraph 2(a) above . . . . .                       8.29%
                                                                     -------






      1993-1                              C-2              07:23:50 PM






      3.  Delinquent Balances.

          The aggregate amount of outstand-
          ing balances in the Accounts which
          were delinquent as of the end of the
          day on the last day of the preceding
          Monthly Period:

                                                Percentage     Aggregate
                                                 of Total       Account
                                               Receivables      Balance
                                                 -------        -------

          (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                  ------   -----------------
          (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                  ------   -----------------
          (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                  ------   -----------------
          (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                  ------   -----------------
          (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                  ------   -----------------



                                         Total    4.51%      $415,181,709.35
                                                  ------   -----------------



      4.  Investor Default Amount.

          The aggregate amount of all de-
          faulted Principal Receivables
          written off as uncollectible dur-
          ing the preceding Monthly Period
          allocable to the Investor
          Interest for Series 1993-1 (the "Aggre-
          gate Investor Default Amount") . . .            $     2,415,364.73
                                                           -----------------

      5.  Investor Charge Offs

          (a)  The excess of the Aggregate Inves-
               tor Default Amount set forth in
               paragraph 4 above, over the
               amount of the withdrawals from
               the Cash Collateral Account made
               to reimburse the Trust for such
               amount written off (an "In-
               vestor Charge Off") . . . . . .            $             0.00
                                                           -----------------

      1993-1                          C-3                  07:23:50 PM




          (b)  The amount of the Investor
               Charge Offs set forth in para-
               graph 5(a) above, per $1,000
               original certificate princi-
               pal amount (which will have
               the effect of reducing, pro
               rata, the amount of each
               Certificateholders' invest-
               ment) . . . . . . . . . . . . .            $             0.00
                                                           -----------------

          (c)  The aggregate amount of
               Investor Charge Offs reimbursed
               on the Transfer Date immediately
               preceding such Distribution
               Date . . . . . . . . . . . . .             $             0.00
                                                           -----------------

          (d)  The amount of the reimbursed
               Investor Charge Offs set forth
               in paragraph 5(c) above, per
               $1,000 original certificate
               principal amount . . . . . . .             $             0.00
                                                           -----------------


      6.  Investor Servicing Fee.

          The amount of the Investor Monthly
          Servicing Fee payable by the Trust
          to the Servicer for the preceding
          Monthly Period . . . . . . . . . . .            $     1,562,500.00
                                                           -----------------

      7.  Available Cash Collateral Amount.

          The amount available to be withdrawn
          from the Cash Collateral Account as of
          the close of business on
          September 13, 1996 (the "Transfer
          Date"), after giving effect to all
          withdrawals, deposits and payments to
          be made in respect of the preced-
          ing month . . . . . . . . . . . . .             $    90,000,000.00
                                                           -----------------

      8.  The Required Cash Collateral Amount on
          the Transfer Date . . . . . . . . .             $    90,000,000.00
                                                           -----------------

      9.   Deficit Controlled Amortization
           Amount.

           With respect to the next succeed-
           ing Monthly Period, the amount,
           if any, by which the Controlled

      1993-1                            C-4                07:23:50 PM


           Distribution Amount exceeds
           the Monthly Total Percentage
           Allocation, determined as of the
           last day of the preceding month . .            $             0.00
                                                           -----------------

      10.  Collection of Finance Charge Receivables

           The aggregate amount of Collections on
           Finance Charge Receivables and Annual
           Membership Fees processed during the
           preceding Monthly Period which were
           allocated in respect of the Certificates       $   11,742,633.44
                                                           -----------------

      11.  Portfolio Yield

           The Portfolio Yield for the preceding
           Monthly Period . . . . . . . . .                           14.92%
                                                                      ------

C.  The Pool Factor.

           The Pool Factor for the preceding
           Record Date (which represents the
           ratio of the amount of the Inves-
           tor Interest for Series 1993-1 as
           of such Record Date (adjusted after
           taking into account any reduction
           in the Investor Interest which will
           occur on the following Distribution
           Date) to the Initial Investor Inter-
           est for Series 1993-1).  The amount of
           a Certificateholder's pro rata share
           of the Investor Interest for Series
           1993-1 can be determined by
           multiplying the original denomination
           of the Certificateholder's
           Certificate by the Pool Factor . . . . .        1.0000000
                                                           ---------
D.    LIBOR

      LIBOR for the Interest Period stated below:

      August 15, 1996 through September  15, 1996 . . .    5.4375%
                                                           ---------

                            MBNA AMERICA BANK, NATIONAL ASSOCIATION
                            Servicer




                        By: Marguerite M. Boylan 
                      __________________________________
                            Marguerite M. Boylan
                            Vice President



      1993-1                               C-5             07:23:50 PM


                 CUSIP 55262N AF3                         Exhibit 20. 6
                 ----------------                         --------------

    FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT


       MBNA AMERICA BANK, NATIONAL ASSOCIATION

     ____________________________________________

     MBNA MASTER CREDIT CARD TRUST SERIES 1993-2
     ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1993-2
Supplement dated as of June 15, 1993 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA America Bank,
National Association ("MBNA") and Bankers Trust Company, as trustee
(the " Trustee"), MBNA, as Servicer, is required to prepare certain
information each month regarding current distributions to Series
1993-2 Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain other information is presented on the basis of an original
principal amount of $1,000 per Series 1993-2 Certificate
(a "Certificate").  Certain other information is presented
based on the aggregate amounts for the Trust as a whole.
Capitalized terms used in this statement have their
respective meanings set forth in the Pooling and Servicing
Agreement.


A.   Information Regarding the Current Monthly
     Distribution (Stated on the Basis of
     $1,000 Original Certificate Principal Amount)


     1. The total amount of the distribution
        to Certificateholders on the Distribution
        Date, per $1,000 original
        certificate principal amount . . . .             $        85.402778
                                                          -----------------

     2.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of interest on the Certifi-
         cates, per $1,000 original
         certificate principal amount . . . .            $         2.069444
                                                          -----------------

     3.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of principal of the Cer-
         tificates, per $1,000 original
         certificate principal amount  . . .             $        83.333333
                                                          -----------------
                                                          07:28:25 PM

B.   Information Regarding the Performance of the Trust

     1.  Collection of Principal Receivables.

         The aggregate amount of Collections
         on Principal Receivables processed
         during the preceding Monthly Period
         which were allocated in respect
         of the Certificates . . . . . . . .             $    97,492,253.74
                                                          -----------------


     2.  Principal Receivables in the Trust


         (a)  The aggregate amount of Prin-
              cipal Receivables in the Trust
              as of the end of the day on the
              last day of the preceding Monthly
              Period, the last day of the month
              (which reflects the Principal
              Receivables represented by the
              Seller Interest and by the
              Aggregate Investor Interest) . . . . .     $ 9,048,871,419.50
                                                          -----------------


         (b)  The amount of Principal Re-
              ceivables in the Trust represented
              by the Investor Interest of Series
              1993-2 as of the last day of the
              preceding Monthly Period (the last
              day of the month)  . . . . . . . . . .     $   416,666,666.69
                                                          -----------------

         (c)  The Investor Interest of Series
              1993-2 set forth in paragraph
              2(b) above as a percentage of
              the aggregate amount of Prin-
              cipal Receivables set forth
              in paragraph 2(a) above . . . . .                       4.60%
                                                                    -------
     3.  Delinquent Balances

         The aggregate amount of outstand-
         ing balances in the Accounts which
         were delinquent as of the end of
         the day on the last day of the
         preceding Monthly Period:










     1993-2                              C-2              07:28:25 PM

                                               Percentage     Aggregate
                                                of Total       Account
                                              Receivables      Balance
                                                -------        -------

         (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                 ------   -----------------
         (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                 ------   -----------------
         (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                 ------   -----------------
         (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                 ------   -----------------
         (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                 ------   -----------------



                                        Total    4.51%      $415,181,709.35
                                                 ------   -----------------



     4.  Investor Default Amount

         The aggregate amount of all de-
         faulted Principal Receivables
         written off as uncollectible dur-
         ing the preceding Monthly Period
         allocable to the Investor
         Interest for Series 1993-2 (the "Aggre-
         gate Investor Default Amount") . . .            $     1,610,243.17
                                                          -----------------

     5.  Investor Charge Offs

         (a)  The excess of the Aggregate Inves-
              tor Default Amount set forth in
              paragraph 4 above, over the
              amount of the withdrawals from
              the Cash Collateral Account made
              to reimburse the Trust for such
              amount written off (an "In-
              vestor Charge Off") . . . . . .            $             0.00
                                                          -----------------

         (b)  The amount of the Investor
              Charge Offs set forth in para-
              graph 5(a) above, per $1,000
              original certificate princi-
              pal amount (which will have
              the effect of reducing, pro
              rata, the amount of each
              Certificateholders' invest-
              ment) . . . . . . . . . . . . .            $             0.00
                                                          -----------------



     1993-2                          C-3                  07:28:25 PM


         (c)  The aggregate amount of
              Investor Charge Offs reimbursed
              on the Transfer Date immediately
              preceding such Distribution
              Date . . . . . . . . . . . . .             $             0.00
                                                          -----------------

         (d)  The amount of the reimbursed
              Investor Charge Offs set forth
              in paragraph 5(c) above, per
              $1,000 original certificate
              principal amount . . . . . . .             $             0.00
                                                          -----------------


     6.  Investor Servicing Fee

         The amount of the Investor Monthly
         Servicing Fee payable by the Trust
         to the Servicer for the preceding
         Monthly Period . . . . . . . . . . .            $       868,055.56
                                                          -----------------

     7.  Available Cash Collateral Amount

         The amount available to be withdrawn
         from the Cash Collateral Account as of
         the close of business on
         September 13, 1996 (the "Transfer
         Date"), after giving effect to all
         withdrawals, deposits and payments to
         be made in respect of the preced-
         ing month . . . . . . . . . . . . .             $    50,000,000.00
                                                          -----------------

     8.   The Required Cash Collateral Amount on
          the Transfer Date . . . . . . . . .            $    50,000,000.00
                                                          -----------------

     9.   Deficit Controlled Amortization
          Amount

          With respect to the next succeed-
          ing Monthly Period, the amount,
          if any, by which the Controlled
          Distribution Amount exceeds
          the Monthly Total Percentage
          Allocation, determined as of the
          last day of the preceding month . .            $             0.00
                                                          -----------------








     1993-2                            C-4                07:28:25 PM
     10.  Collection of Finance Charge Receivables

          The aggregate amount of Collections on
          Finance Charge Receivables and Annual
          Membership Fees processed during the
          preceding Monthly Period which were
          allocated in respect of the Certificates       $    7,813,775.13
                                                          -----------------

    11.  Portfolio Yield

         The Portfolio Yield for the preceding
         Monthly Period . . . . . . . . . . . .                      17.87%
                                                               ------------

C.   The Pool Factor

          The Pool Factor for the preceding
          Record Date (which represents the
          ratio of the amount of the Inves-
          tor Interest for Series 1993-2 as
          of such Record Date (adjusted after
          taking into account any reduction
          in the Investor Interest which will
          occur on the following Distribution
          Date) to the Initial Investor Inter-
          est for Series 1993-2).  The amount of
          a Certificateholder's pro rata share
          of the Investor Interest for Series
          1993-2 can be determined by
          multiplying the original denomination
          of the Certificateholder's
          Certificate by the Pool Factor . . . . .        0.3333333
                                                          ---------
D.   LIBOR

    LIBOR for the Interest Period specified below:

     August 15, 1996 through September 15, 1996...        5.4375%
                                                          -------


                       MBNA AMERICA BANK,
                       NATIONAL ASSOCIATION
                       Servicer


                       By: Marguerite M. Boylan 
                      _______________________________
                           Marguerite M. Boylan
                           Vice President






     1993-2                            C-5                07:28:25 PM


                 CUSIP 55262N AG1                         Exhibit 20. 7
                 ----------------                         --------------

            FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



                MBNA AMERICA BANK, NATIONAL ASSOCIATION

             ____________________________________________

              MBNA MASTER CREDIT CARD TRUST SERIES 1993-3
             ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1993-3
Supplement dated August 24, 1993 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA America Bank,
National Association ("MBNA") and Bankers Trust Company, as trustee
(the "Trustee"), MBNA, as Servicer is required to prepare certain
information each month regarding current distributions to Series
1993-3 Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1993-3
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this Statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.   Information Regarding the Current Monthly
     Distribution (Stated on the Basis of
     $1,000 Original Certificate Principal Amount).


     1. The total amount of the distribution
        to Certificateholders on the Distribution
        Date, per $1,000 original
        certificate principal amount . . . .             $         4.500000
                                                          -----------------

     2.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of interest on the Certifi-
         cates, per $1,000 original
         certificate principal amount . . . .            $         4.500000
                                                          -----------------
                                                          04:18:16 PM
     3.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of principal of the Cer-
         tificates, per $1,000 original
         certificate principal amount  . . .             $         0.000000
                                                          -----------------

B.   Information Regarding the Performance of the Trust.

     1.  Collection of Principal Receivables.

         The aggregate amount of Collections
         on Principal Receivables processed
         during the preceding Monthly Period
         which were allocated in respect
         of the Certificates . . . . . . . .             $    73,036,504.43
                                                          -----------------


     2.  Principal Receivables in the Trust



         (a)  The aggregate amount of Principal
              Receivables in the Trust as of the end
              of the day on the last day of the preceding
              Monthly Period, the last day of the month
              (which reflects the Principal Receivables
              represented by the Seller Interest and by
              the Aggregate Investor Interest). . . .      9,048,871,419.50
                                                          -----------------

         (b)  The amount of Principal Re-
              ceivables in the Trust represented
              by the Investor Interest of Series
              1993-3 as of the last day of the
              preceding Monthly Period (the
              last day of the month) . . . .             $   750,000,000.00
                                                          -----------------

         (c)  The Investor Interest of Series
              1993-3 set forth in paragraph
              2(b) above as a percentage of
              the aggregate amount of Prin-
              cipal Receivables set forth
              in paragraph 2(a) above . . . . .                       8.29%
                                                                    -------






     1993-3                              C-2              04:18:16 PM






     3.  Delinquent Balances.

         The aggregate amount of outstand-
         ing balances in the Accounts which
         were delinquent as of the end of the
         day on the last day of the preceding
         Monthly Period:

                                               Percentage     Aggregate
                                                of Total       Account
                                              Receivables      Balance
                                                -------        -------

         (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                 ------   -----------------
         (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                 ------   -----------------
         (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                 ------   -----------------
         (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                 ------   -----------------
         (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                 ------   -----------------



                                        Total    4.51%      $415,181,709.35
                                                 ------   -----------------



     4.  Investor Default Amount.

         The aggregate amount of all de-
         faulted Principal Receivables
         written off as uncollectible dur-
         ing the preceding Monthly Period
         allocable to the Investor
         Interest for Series 1993-3 (the "Aggre-
         gate Investor Default Amount") . . .            $     2,415,364.73
                                                          -----------------

     5.  Investor Charge Offs

         (a)  The excess of the Aggregate Inves-
              tor Default Amount set forth in
              paragraph 4 above, over the
              amount of the withdrawals from
              the Cash Collateral Account made
              to reimburse the Trust for such
              amount written off (an "In-
              vestor Charge Off") . . . . . .            $             0.00
                                                          -----------------

     1993-3                          C-3                  04:18:16 PM




         (b)  The amount of the Investor
              Charge Offs set forth in para-
              graph 5(a) above, per $1,000
              original certificate princi-
              pal amount (which will have
              the effect of reducing, pro
              rata, the amount of each
              Certificateholders' invest-
              ment) . . . . . . . . . . . . .            $             0.00
                                                          -----------------

         (c)  The aggregate amount of
              Investor Charge Offs reimbursed
              on the Transfer Date immediately
              preceding such Distribution
              Date . . . . . . . . . . . . .             $             0.00
                                                          -----------------

         (d)  The amount of the reimbursed
              Investor Charge Offs set forth
              in paragraph 5(c) above, per
              $1,000 original certificate
              principal amount . . . . . . .             $             0.00
                                                          -----------------


     6.  Investor Servicing Fee.

         The amount of the Investor Monthly
         Servicing Fee payable by the Trust
         to the Servicer for the preceding
         Monthly Period . . . . . . . . . . .            $     1,562,500.00
                                                          -----------------

     7.  Available Cash Collateral Amount.

         The amount available to be withdrawn
         from the Cash Collateral Account as of
         the close of business on
         September 13, 1996 (the "Transfer
         Date"), after giving effect to all
         withdrawals, deposits and payments to
         be made in respect of the preced-
         ing month . . . . . . . . . . . . .             $    67,500,000.00
                                                          -----------------

     8.  The Required Cash Collateral Amount on
         the Transfer Date . . . . . . . . .             $    67,500,000.00
                                                          -----------------

     9.   Deficit Controlled Amortization
          Amount.

          With respect to the next succeed-
          ing Monthly Period, the amount,
          if any, by which the Controlled

     1993-3                            C-4                04:18:16 PM


          Distribution Amount exceeds
          the Monthly Total Percentage
          Allocation, determined as of the
          last day of the preceding month . .            $             0.00
                                                          -----------------

     10.  Collection of Finance Charge Receivables

          The aggregate amount of Collections on
          Finance Charge Receivables and Annual
          Membership Fees processed during the
          preceding Monthly Period which were
          allocated in respect of the Certificates       $   11,742,633.44
                                                          -----------------

     11.  Portfolio Yield

          The Portfolio Yield for the preceding
          Monthly Period . . . . . . . . .                           14.92%
                                                                     ------

C.  The Pool Factor.

          The Pool Factor for the preceding
          Record Date (which represents the
          ratio of the amount of the Inves-
          tor Interest for Series 1993-3 as
          of such Record Date (adjusted after
          taking into account any reduction
          in the Investor Interest which will
          occur on the following Distribution
          Date) to the Initial Investor Inter-
          est for Series 1993-3).  The amount of
          a Certificateholder's pro rata share
          of the Investor Interest for Series
          1993-3 can be determined by
          multiplying the original denomination
          of the Certificateholder's
          Certificate by the Pool Factor . . . . .        1.0000000
                                                          ---------







                           MBNA AMERICA BANK, NATIONAL ASSOCIATION
                           Servicer




                       By: Marguerite M. Boylan 
                      __________________________________
                           Marguerite M. Boylan
                           Vice President



     1993-3                               C-5             04:18:16 PM


                 CUSIP 55262N AH9                         Exhibit 20. 8
                 ----------------                         --------------

        FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



                   MBNA AMERICA BANK, N.A.

             ____________________________________________

              MBNA MASTER CREDIT CARD TRUST SERIES 1993-4
              ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1993-4
Supplement dated as of December 7, 1993 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA America Bank,
National Association ("MBNA") and Bankers Trust Company, as trustee
(the "Trustee") MBNA, as Servicer is required to prepare certain
information each month regarding current distributions to Series
1993-4 Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain other information is presented on the basis of an
original principal amount of $1,000 per Series 1993-4
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.   Information Regarding the Current Monthly
     Distribution (Stated on the Basis of
     $1,000 Original Certificate Principal Amount).


     1. The total amount of the distribution
        to Certificateholders on the Distribution
        Date, per $1,000 original
        certificate principal amount . . . .             $         5.055556
                                                          -----------------

     2.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of interest on the Certifi-
         cates, per $1,000 original
         certificate principal amount . . . .            $         5.055556
                                                          -----------------
                                                          05:00:37 PM
     3.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of principal of the Cer-
         tificates, per $1,000 original
         certificate principal amount  . . .             $         0.000000
                                                          -----------------

B.   Information Regarding the Performance of the Trust.

     1.  Collection of Principal Receivables.

         The aggregate amount of Collections
         of Principal Receivables processed
         during the preceding Monthly Period
         which were allocated in respect
         of the Certificates . . . . . . . .             $    97,382,006.19
                                                          -----------------
     2.  The Economic Pay Out Amount, if any,
         distributable with respect to the
         Certificates in connection with the
         Economic Pay Out Event occurring in             $             0.00
         the preceding Monthly Period . . . . . .         -----------------

     3.  Principal Receivables in the Trust



         (a)  The aggregate amount of Principal
              Receivables in the Trust as of the
              end of the last day of the preceding
              Monthly Period (which reflects the
              Principal Receivables represented by the
              Seller Interest and by the
              Aggregate Investor Interest) . . . . .     $ 9,048,871,419.50
                                                          -----------------

         (b)  The amount of Principal Re-
              ceivables in the Trust represented
              by the Investor Interest of Series
              1993-4 as of the last day of the
              preceding Monthly Period (the
              last day of the month) . . . .             $ 1,000,000,000.00
                                                          -----------------

         (c)  The Investor Interest of Series
              1993-4 set forth in paragraph
              3(b) above as a percentage of
              the aggregate amount of Prin-
              cipal Receivables set forth
              in paragraph 3(a) above . . . . .                      11.05%
                                                                    -------


     1993-4                              C-2              05:00:37 PM






     4.  Delinquent Balances.

         The aggregate amount of outstand-
         ing balances in the Accounts which
         were delinquent as of the end of the
         last day of the preceding Monthly
         Period:

                                               Percentage     Aggregate
                                                of Total       Account
                                              Receivables      Balance
                                                -------        -------

         (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                 ------   -----------------
         (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                 ------   -----------------
         (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                 ------   -----------------
         (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                 ------   -----------------
         (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                 ------   -----------------



                                        Total    4.51%      $415,181,709.35
                                                 ------   -----------------



     5.  Investor Default Amount.

         The aggregate amount of all de-
         faulted Principal Receivables
         written off as uncollectible dur-
         ing the preceding Monthly Period
         allocable to the Investor
         Interest for Series 1993-4 (the "Aggre-
         gate Investor Default Amount") . . .            $     3,220,486.33
                                                          -----------------

     6.  Investor Charge Offs

         (a)  The excess of the Aggregate Inves-
              tor Default Amount set forth in
              paragraph 5 above, over the
              amount of the withdrawals from
              the Cash Collateral Account made
              to reimburse the Trust for such
              amount written off and reductions to
              the Enhancement Invested Amount            $             0.00
              if any (an "Investor Charge Off")           -----------------

     1993-4                          C-3                  05:00:37 PM




         (b)  The amount of the Investor
              Charge Offs set forth in para-
              graph 6(a) above, per $1,000
              original certificate princi-
              pal amount (which will have
              the effect of reducing, pro
              rata, the amount of each
              Certificateholders invest-
              ment) . . . . . . . . . . . . .            $             0.00
                                                          -----------------

         (c)  The aggregate amount of
              Investor Charge Offs reimbursed
              on the Transfer Date immediately
              preceding such Distribution
              Date . . . . . . . . . . . . .             $             0.00
                                                          -----------------

         (d)  The amount of the reimbursed
              Investor Charge Offs set forth
              in paragraph 6(c) above, per
              $1,000 original certificate
              principal amount . . . . . . .             $             0.00
                                                          -----------------


     7.  Investor Servicing Fee.

         The amount of the Investor Monthly
         Servicing Fee payable by the Trust
         to the Servicer for the preceding
         Monthly Period . . . . . . . . . . .            $     2,083,333.33
                                                          -----------------

     8.  The Portfolio Yield for the preceding
         Monthly Period . . . . . . . . .                $           14.92%
                                                          -----------------

     9.  Available Cash Collateral Amount.

         The amount available to be withdrawn
         from the Cash Collateral Account as of
         the close of business on
         September 13, 1996 (the "Transfer
         Date"), after giving effect to all
         withdrawals, deposits and payments to
         be made in respect of the preced-
         ing month . . . . . . . . . . . . .             $   105,000,000.00
                                                          -----------------

     10.  The Required Cash Collateral Amount on
          the Transfer Date . . . . . . . . .            $   105,000,000.00
                                                          -----------------

     11.   Enhancement Invested Amount . . .             $            0.00
                                                          -----------------

     1993-4                            C-4                05:00:37 PM


     12.  Deficit Controlled Amortization
          Amount.

          With respect to the next succeed-
          ing Monthly Period, the amount,
          if any, by which the Controlled
          Distribution Amount exceeds
          the Monthly Total Percentage
          Allocation, determined as of the
          last day of the preceding month . .            $             0.00
                                                          -----------------

     13.  Collection of Finance Charge Receivables

          The aggregate amount of Collections on
          Finance Charge Receivables and Annual
          Membership Fees processed during the
          preceding Monthly Period which were
          allocated in respect of the Certificates       $   15,656,844.54
                                                          -----------------

C.   The Pool Factor.

          The Pool Factor for the preceding
          Record Date (which represents the
          ratio of the amount of the Inves-
          tor Interest for Series 1993-4 as
          of such Record Date (adjusted after
          taking into account any reduction
          in the Investor Interest which will
          occur on the following Distribution
          Date) to the Initial Investor Inter-
          est for Series 1993-4).  The amount of
          a Certificateholder's pro rata share
          of the Investor Interest for Series
          1993-4 can be determined by
          multiplying the original denomination
          of the Certificateholder's
          Certificate by the Pool Factor . . . . .        1.0000000
                                                          ---------
D.   LIBOR

     LIBOR for the Interest Period stated below:

     August 15, 1996 through September 15, 1996 . . .     5.4375%
                                                          -------



                           MBNA AMERICA BANK, NATIONAL ASSOCIATION
                           Servicer



                       By: Marguerite M. Boylan 
                      _______________________________
                           Marguerite M. Boylan
                           Vice President


     1993-4                               C-5             05:00:37 PM


                 CUSIP 55262N AJ5                         Exhibit 20. 9
                 ----------------                         --------------

        FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



                   MBNA AMERICA BANK, N.A.

             ____________________________________________

              MBNA MASTER CREDIT CARD TRUST SERIES 1994-1
              ____________________________________________

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1994-1
Supplement dated as of February 25, 1994 (collectively, the "Pooling
and Servicing Agreement") by and between MBNA America Bank,
National Association ("MBNA") and Bankers Trust Company, as trustee
(the "Trustee"), MBNA, as Servicer, is required to prepare certain
information each month regarding current distributions to Series
1994-1 Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1994-1
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.   Information Regarding the Current Monthly
     Distribution (Stated on the Basis of
     $1,000 Original Certificate Principal Amount).


     1. The total amount of the distribution
        to Certificateholders on the Distribution
        Date, per $1,000 original
        certificate principal amount . . . .             $         4.966667
                                                          -----------------

     2.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of interest on the Certifi-
         cates, per $1,000 original
         certificate principal amount . . . .            $         4.966667
                                                          -----------------
                                                          05:25:28 PM
     3.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of principal of the Cer-
         tificates, per $1,000 original
         certificate principal amount  . . .             $         0.000000
                                                          -----------------

B.   Information Regarding the Performance of the Trust.

     1.  Collection of Principal Receivables.

         The aggregate amount of Collections
         on Principal Receivables processed
         during the preceding Monthly Period
         which were allocated in respect
         of the Certificates . . . . . . . .             $    73,036,504.43
                                                          -----------------
     2.  The Economic Pay Out Amount, if any,
         distributable with respect to the
         Certificates in connection with the
         Economic Pay Out Event occurring in             $             0.00
         the preceding Monthly Period . . . . . .         -----------------

     3.  Principal Receivables in the Trust



         (a)  The aggregate amount of Principal
              Receivables in the Trust as of the
              end of the last day of the preceding
              Monthly Period (which reflects the
              Principal Receivables represented by the
              Seller Interest and by the
              Aggregate Investor Interest) . . . . .     $ 9,048,871,419.50
                                                          -----------------

         (b)  The amount of Principal Re-
              ceivables in the Trust represented
              by the Investor Interest of Series
              1994-1 as of the last day of the
              preceding Monthly Period (the
              last day of the month) . . . .             $   750,000,000.00
                                                          -----------------

         (c)  The Investor Interest of Series
              1994-1 set forth in paragraph
              3(b) above as a percentage of
              the aggregate amount of Prin-
              cipal Receivables set forth
              in paragraph 3(a) above . . . . .                       8.29%
                                                                    -------


     1994-1                              C-2              05:25:28 PM






     4.  Delinquent Balances.

         The aggregate amount of outstand-
         ing balances in the Accounts which
         were delinquent as of the end of the
         day on the last day of the preceding
         Monthly Period:

                                               Percentage     Aggregate
                                                of Total       Account
                                              Receivables      Balance
                                                -------        -------

         (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                 ------   -----------------
         (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                 ------   -----------------
         (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                 ------   -----------------
         (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                 ------   -----------------
         (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                 ------   -----------------



                                        Total    4.51%      $415,181,709.35
                                                 ------   -----------------



     5.  Investor Default Amount

         The aggregate amount of all de-
         faulted Principal Receivables
         written off as uncollectible dur-
         ing the preceding Monthly Period
         allocable to the Investor
         Interest for Series 1994-1 (the "Aggre-
         gate Investor Default Amount") . . .            $     2,415,364.73
                                                          -----------------

     6.  Investor Charge Offs

         (a)  The excess of the Aggregate Inves-
              tor Default Amount set forth in
              paragraph 5 above, over the
              amount of the withdrawals from
              the Cash Collateral Account made
              to reimburse the Trust for such
              amount written off and reductions to
              the Enhancement Invested Amount            $             0.00
              if any (an "Investor Charge Off")           -----------------

     1994-1                          C-3                  05:25:28 PM




         (b)  The amount of the Investor
              Charge Offs set forth in para-
              graph 6(a) above, per $1,000
              original certificate princi-
              pal amount (which will have
              the effect of reducing, pro
              rata, the amount of each
              Certificateholders' invest-
              ment) . . . . . . . . . . . . .            $             0.00
                                                          -----------------

         (c)  The aggregate amount of
              Investor Charge Offs reimbursed
              on the Transfer Date immediately
              preceding such Distribution
              Date . . . . . . . . . . . . .             $             0.00
                                                          -----------------

         (d)  The amount of the reimbursed
              Investor Charge Offs set forth
              in paragraph 6(c) above, per
              $1,000 original certificate
              principal amount . . . . . . .             $             0.00
                                                          -----------------


     7.  Investor Servicing Fee.

         The amount of the Investor Monthly
         Servicing Fee payable by the Trust
         to the Servicer for the preceding
         Monthly Period . . . . . . . . . . .            $     1,562,500.00
                                                          -----------------

     8.  Available Cash Collateral Amount.

         The amount available to be withdrawn
         from the Cash Collateral Account as of
         the close of business on
         September 13, 1996 (the "Transfer
         Date"), after giving effect to all
         withdrawals, deposits and payments to
         be made in respect of the preced-
         ing month . . . . . . . . . . . . .             $    78,750,000.00
                                                          -----------------

     9.  The Required Cash Collateral Amount on
         the Transfer Date . . . . . . . . .             $    78,750,000.00
                                                          -----------------

     10. Enhancement Invested Amount . . . .             $            0.00
                                                          -----------------





     1994-1                            C-4                05:25:28 PM
     11. Deficit Controlled Amortization
         Amount.

         With respect to the next succeed-
         ing Monthly Period, the amount,
         if any, by which the Controlled
         Distribution Amount exceeds
         the Monthly Total Percentage
         Allocation, determined as of the
         last day of the preceding month . .             $             0.00
                                                          -----------------

     12. Collection of Finance Charge Receivables

         The aggregate amount of Collections on
         Finance Charge Receivables and Annual
         Membership Fees processed during the
         preceding Monthly Period which were
         allocated in respect of the Certificates       $    11,742,633.44
                                                          -----------------
     13. Portfolio Yield

         The Portfolio Yield for the preceding
         Monthly Period . . . . . . . . .                 14.92%
                                                          -------
C.   The Pool Factor.

         The Pool Factor for the preceding
         Record Date (which represents the
         ratio of the amount of the Inves-
         tor Interest for Series 1994-1 as
         of such Record Date (adjusted after
         taking into account any reduction
         in the Investor Interest which will
         occur on the following Distribution
         Date) to the Initial Investor Inter-
         est for Series 1994-1).  The amount of
         a Certificateholder's pro rata share
         of the Investor Interest for Series
         1994-1 can be determined by
         multiplying the original denomination
         of the Certificateholder's
         Certificate by the Pool Factor . . . . .         1.0000000
                                                          ---------
D.   LIBOR

         LIBOR for the Interest Period ending on the
         Distribution Date specified above . . . .        5.4375%
                                                          -------

                           MBNA AMERICA BANK, NATIONAL ASSOCIATION
                           Servicer



                       By: Marguerite M. Boylan 
                      _______________________________
                           Marguerite M. Boylan
                           Vice President

     1994-1                               C-5             05:25:28 PM




                 CUSIP 55262N AK2                         Exhibit 20. 10
                 ----------------                         --------------

             FORM OF MONTHLY CERTIFICATEHOLDERS' STATEMENT



                      MBNA AMERICA BANK, N.A.

              --------------------------------------------

              MBNA MASTER CREDIT CARD TRUST SERIES 1994-2
              --------------------------------------------

           Under Section 5.02 of the Pooling and Servicing
Agreement dated as of September 25, 1991 and the Series 1994-2
Supplement dated as of May 26, 1994 (collectively, the "pooling
and Servicing Agreement") by and between MBNA America Bank,
National Association ("MBNA") and Bankers Trust Company, as trustee
(the "Trustee"), MBNA, as Servicer, is required to prepare certain
information each month regarding current distributions to Series
1994-2 Certificateholders and the performance of the MBNA Master
Credit Card Trust (the "Trust") during the previous month.
The information which is required to be prepared with
respect to the Distribution Date of September 16, 1996 and
with respect to the performance of the Trust during the
month of August, 1996 is set forth below.
Certain of the information is presented on the basis of an
original principal amount of $1,000 per Series 1994-2
Certificate (a "Certificate").  Certain other information
is presented based on the aggregate amounts for the Trust
as a whole.  Capitalized terms used in this statement
have their respective meanings set forth in the Pooling
and Servicing Agreement.


A.   Information Regarding the Current Monthly
     Distribution (Stated on the Basis of
     $1,000 Original Certificate Principal Amount).


     1. The total amount of the distribution
        to Certificateholders on the Distribution
        Date, per $1,000 original
        certificate principal amount . . . .             $         5.020000
                                                          -----------------

     2.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of interest on the Certifi-
         cates, per $1,000 original
         certificate principal amount . . . .            $         5.020000
                                                          -----------------
                                                          04:23:22 PM
     3.  The amount of the distribution set
         forth in paragraph 1 above in
         respect of principal of the Cer-
         tificates, per $1,000 original
         certificate principal amount  . . .             $         0.000000
                                                          -----------------

B.   Information Regarding the Performance of the Trust.

     1.  Collection of Principal Receivables.

         The aggregate amount of Collections
         on Principal Receivables processed
         during the preceding Monthly Period
         which were allocated in respect
         of the Certificates . . . . . . . .             $    87,643,805.71
                                                          -----------------
     2.  The Economic Pay Out Amount, if any,
         distributable with respect to the
         Certificates in connection with the
         Economic Pay Out Event occurring in
         the preceding Monthly Period . . . .            $             0.00
                                                          -----------------

     3.  Principal Receivables in the Trust.


         (a)  The aggregate amount of Principal
              Receivables in the Trust as of the
              end on the last day of the preceding
              Monthly Period (which reflects the
              Principal Receivables represented by the
              Seller Interest and by the
              Aggregate Investor Interest) . . . . .     $ 9,048,871,419.50
                                                          -----------------

         (b)  The amount of Principal Re-
              ceivables in the Trust represented
              by the Investor Interest of Series
              1994-2 as of the last day of the
              preceding Monthly Period (the
              last day of the month) . . . .             $   900,000,000.00
                                                          -----------------

         (c)  The Investor Interest of Series
              1994-2 set forth in paragraph
              3(b) above as a percentage of
              the aggregate amount of Prin-
              cipal Receivables set forth
              in paragraph 3(a) above . . . . .                       9.95%
                                                                    -------


     1994-2                              C-2              04:23:22 PM






     4.  Delinquent Balances.

         The aggregate amount of outstand-
         ing balances in the Accounts which
         were delinquent as of the end of the
         day on the last day of the preceding
         Monthly Period:

                                               Percentage     Aggregate
                                                of Total       Account
                                              Receivables      Balance
                                                -------        -------

         (a)  35 - 64 days: . . . . . . . . .    1.95%      $179,282,956.48
                                                 ------   -----------------
         (b)  65 - 94 days: . . . . . . . . .    0.85%        78,176,273.80
                                                 ------   -----------------
         (c)  95 - 124 days:  . . . . . . . .    0.60%        55,290,957.70
                                                 ------   -----------------
         (d)  125 -  154 days:  . . . . . . .    0.46%        42,052,500.84
                                                 ------   -----------------
         (e)  155 or more days: . . . . . . .    0.65%        60,379,020.53
                                                 ------   -----------------



                                        Total    4.51%      $415,181,709.35
                                                 ------   -----------------



     5.  Investor Default Amount.

         The aggregate amount of all de-
         faulted Principal Receivables
         written off as uncollectible dur-
         ing the preceding Monthly Period
         allocable to the Investor
         Interest for Series 1994-2 (the "Aggre-
         gate Investor Default Amount") . . .            $     2,898,437.73
                                                          -----------------

     6.  Investor Charge Offs.

         (a)  The excess of the Aggregate Inves-
              tor Default Amount set forth in
              paragraph 5 above, over the
              amount of the withdrawals from
              the Cash Collateral Account made
              to reimburse the Trust for such
              amount written off and reductions to
              the Enhancement Invested Amount,
              if any (an "Investor Charge
              Off")                                      $             0.00
                                                          -----------------
     1994-2                          C-3                  04:23:22 PM



         (b)  The amount of the Investor
              Charge Offs set forth in para-
              graph 6(a) above, per $1,000
              original certificate princi-
              pal amount (which will have
              the effect of reducing, pro
              rata, the amount of each
              Certificateholders' invest-
              ment) . . . . . . . . . . . . .            $             0.00
                                                          -----------------

         (c)  The aggregate amount of
              Investor Charge Offs reimbursed
              on the Transfer Date immediately
              preceding such Distribution
              Date . . . . . . . . . . . . .             $             0.00
                                                          -----------------

         (d)  The amount of the reimbursed
              Investor Charge Offs set forth
              in paragraph 6(c) above, per
              $1,000 original certificate
              principal amount . . . . . . .             $             0.00
                                                          -----------------


     7.  Investor Servicing Fee.

         The amount of the Investor Monthly
         Servicing Fee payable by the Trust
         to the Servicer for the preceding
         Monthly Period . . . . . . . . . . .            $     1,875,000.00
                                                          -----------------

     8.  Available Cash Collateral Amount.

         The amount available to be withdrawn
         from the Cash Collateral Account as of
         the close of business on
         September 13, 1996 (the "Transfer
         Date"), after giving effect to all
         withdrawals, deposits and payments to
         be made in respect of the preced-
         ing month . . . . . . . . . . . . .             $    94,500,000.00
                                                          -----------------

     9.  The Required Cash Collateral Amount on
         the Transfer Date . . . . . . . . .             $    94,500,000.00
                                                          -----------------

     10. Enhancement Invested Amount . . . .             $            0.00
                                                          -----------------

     1994-2                            C-4                04:23:22 PM


     11. Deficit Controlled Amortization
         Amount.

         With respect to the next succeed-
         ing Monthly Period, the amount,
         if any, by which the Controlled
         Distribution Amount exceeds
         the Monthly Total Percentage
         Allocation, determined as of the
         last day of the preceding month . .             $             0.00
                                                          -----------------

     12. Collection of Finance Charge Receivables.

         The aggregate amount of Collections on
         Finance Charge Receivables and Annual
         Membership Fees processed during the
         preceding Monthly Period which were
         allocated in respect of the Certificates       $    14,091,160.29
                                                          -----------------
     13. Portfolio Yield.

         The Portfolio Yield for the preceding
         Monthly Period . . . . . . . . .                 14.92%
                                                          -------
C.   The Pool Factor.

         The Pool Factor for the preceding
         Record Date (which represents the
         ratio of the amount of the Inves-
         tor Interest for Series 1994-2 as
         of such Record Date (adjusted after
         taking into account any reduction
         in the Investor Interest which will
         occur on the following Distribution
         Date) to the Initial Investor Inter-
         est for Series 1994-2).  The amount of
         a Certificateholder's pro rata share
         of the Investor Interest for Series
         1994-2 can be determined by
         multiplying the original denomination
         of the Certificateholder's
         Certificate by the Pool Factor . . . . .         1.0000000
                                                          ---------
D.   LIBOR.

         LIBOR for the Interest Period ending on the
         Distribution Date specified above . . . .        5.4375%
                                                          -------

                           MBNA AMERICA BANK, NATIONAL ASSOCIATION
                           Servicer



                       By: Marguerite M. Boylan 
                      _______________________________
                           Marguerite M. Boylan
                           Vice President

     1994-2                               C-5             04:23:22 PM






03:19:56 PM                                             EXHIBIT 99. 1


                       MBNA MASTER CREDIT CARD TRUST 91-1

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                        4/15/97


        Coupon                                                      7.75%


        Excess Protection Level
          3 Month Average                                           5.73%
        August, 1996                                                6.51%
        July, 1996                                                  5.30%
        June, 1996                                                  5.37%


        Cash Yield                                                 21.11%


        Investor Charge Offs                                        4.35%


        Base Rate                                                  10.25%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $666,666,666.68


        Seller Participation Amount                     $2,315,538,086.13








09:54:14 AM                                             EXHIBIT 99. 2


                       MBNA MASTER CREDIT CARD TRUST 92-1

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                       12/15/97


        Coupon                                                      7.25%


        Excess Protection Level
          3 Month Average                                           4.63%
        August, 1996                                                5.17%
        July, 1996                                                  4.26%
        June, 1996                                                  4.47%


        Cash Yield                                                 18.79%


        Investor Charge Offs                                        3.86%


        Base Rate                                                   9.75%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $500,000,000.00


        Seller Participation Amount                     $2,315,538,086.13








02:24:11 PM                                             EXHIBIT 99. 3


                      MBNA MASTER CREDIT CARD TRUST 92-2

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                        2/16/98


        Coupon                                                      6.20%


        Excess Protection Level
          3 Month Average                                           5.69%
        August, 1996                                                6.22%
        July, 1996                                                  5.31%
        June, 1996                                                  5.52%


        Cash Yield                                                 18.79%


        Investor Charge Offs                                        3.86%


        Base Rate                                                   8.70%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $500,000,000.00


        Seller Participation Amount                     $2,315,538,086.13








02:54:53 PM                                             EXHIBIT 99. 4


                      MBNA MASTER CREDIT CARD TRUST 92-3

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                        6/15/98


        Coupon                                                    5.7875%


        Excess Protection Level
          3 Month Average                                           5.99%
        August, 1996                                                6.25%
        July, 1996                                                  5.47%
        June, 1996                                                  6.26%


        Cash Yield                                                 18.79%


        Investor Charge Offs                                        3.86%


        Base Rate                                                   8.67%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $500,000,000.00


        Seller Participation Amount                     $2,315,538,086.13








07:23:50 PM                                             EXHIBIT 99. 5


                      MBNA MASTER CREDIT CARD TRUST 93-1

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                        9/15/98


        Coupon                                                    5.7375%


        Excess Protection Level
          3 Month Average                                           6.04%
        August, 1996                                                6.30%
        July, 1996                                                  5.52%
        June, 1996                                                  6.31%


        Cash Yield                                                 18.79%


        Investor Charge Offs                                        3.86%


        Base Rate                                                   8.62%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $750,000,000.00


        Seller Participation Amount                     $2,315,538,086.13








07:28:25 PM                                             EXHIBIT 99. 6


                      MBNA MASTER CREDIT CARD TRUST 93-2

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                        1/15/97


        Coupon                                                    5.5875%


        Excess Protection Level
          3 Month Average                                           8.61%
        August, 1996                                                9.41%
        July, 1996                                                  7.98%
        June, 1996                                                  8.45%


        Cash Yield                                                 22.50%


        Investor Charge Offs                                        4.64%


        Base Rate                                                   8.46%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $416,666,666.69


        Seller Participation Amount                     $2,315,538,086.13








04:18:16 PM                                             EXHIBIT 99. 7


                      MBNA MASTER CREDIT CARD TRUST 93-3

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                        3/15/99


        Coupon                                                      5.40%


        Excess Protection Level
          3 Month Average                                           6.48%
        August, 1996                                                7.02%
        July, 1996                                                  6.11%
        June, 1996                                                  6.32%


        Cash Yield                                                 18.79%


        Investor Charge Offs                                        3.86%


        Base Rate                                                   7.90%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $750,000,000.00


        Seller Participation Amount                     $2,315,538,086.13








05:00:37 PM                                             EXHIBIT 99. 8


                      MBNA MASTER CREDIT CARD TRUST 93-4

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                        6/15/99


        Coupon                                                    5.6875%


        Excess Protection Level
          3 Month Average                                           6.09%
        August, 1996                                                6.36%
        July, 1996                                                  5.57%
        June, 1996                                                  6.35%


        Cash Yield                                                 18.79%


        Investor Charge Offs                                        3.86%


        Base Rate                                                   8.57%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                   $1,000,000,000.00


        Seller Participation Amount                     $2,315,538,086.13








05:25:28 PM                                             EXHIBIT 99. 9


                      MBNA MASTER CREDIT CARD TRUST 94-1

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                        9/15/99


        Coupon                                                    5.5875%


        Excess Protection Level
          3 Month Average                                           6.19%
        August, 1996                                                6.46%
        July, 1996                                                  5.67%
        June, 1996                                                  6.45%


        Cash Yield                                                 18.79%


        Investor Charge Offs                                        3.86%


        Base Rate                                                   8.46%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $750,000,000.00


        Seller Participation Amount                     $2,315,538,086.13








04:23:22 PM                                             EXHIBIT 99. 10


                      MBNA MASTER CREDIT CARD TRUST 94-2

                           KEY PERFORMANCE FACTORS
                                    August, 1996



        Scheduled Maturity                                       12/15/99


        Coupon                                                    5.6475%


        Excess Protection Level
          3 Month Average                                           6.13%
        August, 1996                                                6.40%
        July, 1996                                                  5.61%
        June, 1996                                                  6.39%


        Cash Yield                                                 18.79%


        Investor Charge Offs                                        3.86%


        Base Rate                                                   8.52%


        Over 35 Day Delinquency                                     4.51%


        Seller's Interest                                          25.59%


        Total Payment Rate                                         10.99%


        Total Principal Balance                         $9,048,871,419.50


        Investor Participation Amount                     $900,000,000.00


        Seller Participation Amount                     $2,315,538,086.13









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