Exhibit 99.28

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-J

KEY PERFORMANCE FACTORS
September 30, 1998



Expected B Maturity 9/15/04


Blended Coupon 5.7639%


Excess Protection Level
3 Month Average 5.33%
September, 1998 4.41%
August, 1998 6.34%
July, 1998 5.23%


Cash Yield 17.36%


Investor Charge Offs 5.18%


Base Rate 7.76%


Over 35 Day Delinquency 5.04%


Seller's Interest 13.10%


Total Payment Rate 13.10%


Total Principal Balance $39,849,511,082.92


Investor Participation Amount $750,000,000.00


Seller Participation Amount $5,219,716,564.43