Exhibit 99.28

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-I

KEY PERFORMANCE FACTORS
April 30, 1998



Expected B Maturity 8/16/04


Blended Coupon 6.4879%



Excess Protection Level
3 Month Average 5.48%
April, 1998 5.90%
March, 1998 5.83%
February, 1998 4.70%


Cash Yield18.66%


Investor Charge Offs 4.96%


Base Rate 7.80%


Over 35 Day Delinquency 5.03%


Seller's Interest14.63%


Total Payment Rate14.61%


Total Principal Balance$35,947,972,379.88


Investor Participation Amount$750,000,000.00


Seller Participation Amount$5,259,577,861.39