Exhibit 99.28

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
August 31, 1998



Expected B Maturity 9/15/04


Blended Coupon 5.8120%


Excess Protection Level
3 Month Average 5.43%
August, 1998 6.34%
July, 1998 5.23%
June, 1998 4.70%


Cash Yield 19.08%


Investor Charge Offs 5.09%


Base Rate 7.65%


Over 35 Day Delinquency 5.00%


Seller's Interest 11.64%


Total Payment Rate 14.21%


Total Principal Balance $37,775,682,964.86


Investor Participation Amount $750,000,000.00


Seller Participation Amount $4,395,888,446.37