Exhibit 99.27

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-I

KEY PERFORMANCE FACTORS
March 31, 1998



Expected B Maturity 8/16/04


Blended Coupon 6.4911%



Excess Protection Level
3 Month Average 5.13%
March, 1998 5.83%
February, 1998 4.70%
January, 1998 4.88%


Cash Yield18.54%


Investor Charge Offs 4.85%


Base Rate 7.86%


Over 35 Day Delinquency 5.06%


Seller's Interest11.41%


Total Payment Rate13.80%


Total Principal Balance$33,909,306,783.29


Investor Participation Amount$750,000,000.00


Seller Participation Amount$3,867,972,264.80