Exhibit 99.28 MBNA MASTER CREDIT CARD TRUST II SERIES 1997-J KEY PERFORMANCE FACTORS July 31, 1999 Expected B Maturity 9/15/04 Blended Coupon 5.3515% Excess Protection Level 3 Month Average 6.30% July, 1999 6.05% June, 1999 5.21% May, 1999 7.64% Cash Yield 18.70% Investor Charge Offs 4.97% Base Rate 7.68% Over 30 Day Delinquency 4.84% Seller's Interest 9.75% Total Payment Rate 14.54% Total Principal Balance $45,698,903,036.29 Investor Participation Amount $750,000,000.00 Seller Participation Amount $4,456,383,517.80