Exhibit 99.30 MBNA MASTER CREDIT CARD TRUST II SERIES 1998-I KEY PERFORMANCE FACTORS January 31, 2001 Expected B Maturity 10/16/01 Blended Coupon 6.2057% Excess Protection Level 3 Month Average 4.44% January, 2001 6.76% December, 2000 0.20% November, 2000 6.34% Cash Yield19.75% Investor Charge Offs 4.73% Base Rate 8.26% Over 30 Day Delinquency 4.88% Seller's Interest11.58% Total Payment Rate14.47% Total Principal Balance$57,905,967,832.59 Investor Participation Amount$750,000,000.00 Seller Participation Amount$6,705,277,271.10