Exhibit 99.27

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-I

KEY PERFORMANCE FACTORS
February 28, 1998



Expected B Maturity 8/16/04


Blended Coupon 6.4832%



Excess Protection Level
3 Month Average 4.95%
February, 1998 4.70%
January, 1998 4.88%
December, 1997 5.25%


Cash Yield16.74%


Investor Charge Offs 4.83%


Base Rate 7.21%


Over 35 Day Delinquency 5.04%


Seller's Interest15.07%


Total Payment Rate12.54%


Total Principal Balance$34,488,564,555.67


Investor Participation Amount$750,000,000.00


Seller Participation Amount$5,197,230,037.18