Exhibit 99.27

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-I

KEY PERFORMANCE FACTORS
August 31, 1998



Expected B Maturity 8/16/04


Blended Coupon 6.4838%



Excess Protection Level
3 Month Average 5.46%
August, 1998 6.37%
July, 1998 5.26%
June, 1998 4.73%


Cash Yield19.08%


Investor Charge Offs 5.09%


Base Rate 7.62%


Over 35 Day Delinquency 5.00%


Seller's Interest11.64%


Total Payment Rate14.21%


Total Principal Balance$37,775,682,964.86


Investor Participation Amount$750,000,000.00


Seller Participation Amount$4,395,888,446.37