Exhibit 99.27

MBNA MASTER CREDIT CARD TRUST II

SERIES 1997-I

KEY PERFORMANCE FACTORS
October 31, 1998



Expected B Maturity 8/16/04


Blended Coupon 6.4506%



Excess Protection Level
3 Month Average 5.62%
October, 1998 6.06%
September, 1998 4.43%
August, 1998 6.37%


Cash Yield18.93%


Investor Charge Offs 4.98%


Base Rate 7.89%


Over 35 Day Delinquency 5.16%


Seller's Interest 8.67%


Total Payment Rate14.28%


Total Principal Balance$39,561,435,127.71


Investor Participation Amount$750,000,000.00


Seller Participation Amount$3,431,640,609.22