Exhibit 99.28

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
February 28, 1998



Expected B Maturity 9/15/04


Blended Coupon 5.7964%


Excess Protection Level
3 Month Average 4.92%
February, 1998 4.68%
January, 1998 4.85%
December, 1997 5.22%


Cash Yield 16.74%


Investor Charge Offs 4.83%


Base Rate 7.23%


Over 35 Day Delinquency 5.04%


Seller's Interest 15.07%


Total Payment Rate 12.54%


Total Principal Balance $34,488,564,555.67


Investor Participation Amount $750,000,000.00


Seller Participation Amount $5,197,230,037.18