Exhibit 99.28 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-N KEY PERFORMANCE FACTORS April 30, 2000 Expected B Maturity 11/15/00 Blended Coupon 6.2108% Excess Protection Level 3 Month Average 5.88% April, 2000 5.63% March, 2000 5.93% February, 2000 6.06% Cash Yield 18.13% Investor Charge Offs 4.70% Base Rate 7.80% Over 30 Day Delinquency 4.72% Seller's Interest 10.74% Total Payment Rate 13.82% Total Principal Balance $52,271,464,953.72 Investor Participation Amount $900,000,000.00 Seller Participation Amount $5,612,664,435.23