Exhibit 99.28 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-J KEY PERFORMANCE FACTORS May 31, 1998 Expected B Maturity 9/15/04 Blended Coupon 5.8265% Excess Protection Level 3 Month Average 5.54% May, 1998 4.94% April, 1998 5.87% March, 1998 5.80% Cash Yield 17.95% Investor Charge Offs 5.01% Base Rate 7.99% Over 35 Day Delinquency 5.17% Seller's Interest 13.80% Total Payment Rate 13.68% Total Principal Balance $35,599,996,121.04 Investor Participation Amount $750,000,000.00 Seller Participation Amount $4,911,601,602.55