Exhibit 99.27

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-I

KEY PERFORMANCE FACTORS
September 30, 1998



Expected B Maturity 8/16/04


Blended Coupon 6.4806%



Excess Protection Level
3 Month Average 5.36%
September, 1998 4.43%
August, 1998 6.37%
July, 1998 5.26%


Cash Yield17.36%


Investor Charge Offs 5.18%


Base Rate 7.74%


Over 35 Day Delinquency 5.04%


Seller's Interest13.10%


Total Payment Rate13.10%


Total Principal Balance$39,849,511,082.92


Investor Participation Amount$750,000,000.00


Seller Participation Amount$5,219,716,564.43