Exhibit 99.27 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-I KEY PERFORMANCE FACTORS June 30, 1999 Expected B Maturity 8/16/04 Blended Coupon 6.3858% Excess Protection Level 3 Month Average 6.04% June, 1999 5.24% May, 1999 7.66% April, 1999 5.22% Cash Yield17.44% Investor Charge Offs 5.06% Base Rate 7.13% Over 30 Day Delinquency 4.82% Seller's Interest11.01% Total Payment Rate13.71% Total Principal Balance$44,380,968,357.42 Investor Participation Amount$750,000,000.00 Seller Participation Amount$4,888,448,838.93