Exhibit 99.28

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-I

KEY PERFORMANCE FACTORS
October 31, 1997



Expected B Maturity
8/16/04


Blended Coupon
6.4832%



Excess Protection Level
3 Month Average 4.07%
October, 1997 5.44%
September, 1997 2.71%
August, 1997 N/A


Cash Yield 18.37%


Investor Charge Offs 4.61%


Base Rate 8.32%


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