Exhibit 99.29 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-J KEY PERFORMANCE FACTORS October 31, 1997 Expected B Maturity 9/15/04 Blended Coupon 5.8125% Excess Protection Level 3 Month Average 4.05% October, 1997 4.05% September, 1997 N/A August, 1997 N/A Cash Yield 17.86% Investor Charge Offs 4.10% Base Rate 9.72% Over 35 Day Delinquency 4.76% Seller's Interest 13.78% Total Payment Rate 14.00% Total Principal Balance $31,941,631,051.83 Investor Participation Amount $750,000,000.00 Seller Participation Amount $4,401,496,533.34 * For purposes of calculating the Base Rate and Excess Protection Level, a Coupon of 7.72% (51/360) was used. The Base Rate was calculated using a 51 day monthly period, 9/10/97-10/31/97