Exhibit 99.28 
 
MBNA MASTER CREDIT CARD TRUST II 
 
SERIES 1997-I 
 
KEY PERFORMANCE FACTORS 
September 30, 1997 
 
 
 
        Expected B Maturity                                        8/16/04 
 
 
        Blended Coupon                                              6.4847% 
 
 
 
        Excess Protection Level 
          3 Month Average   2.71% 
          September, 1997   2.71% 
          August, 1997                                                   N/A 
          July, 1997                                                   N/A 
 
 
        Cash Yield                                  17.31% 
 
 
        Investor Charge Offs                         4.36% 
 
 
        Base Rate                                   10.25% 
 
 
        Over 35 Day Delinquency                      4.84% 
 
 
        Seller's Interest                           12.31% 
 
 
        Total Payment Rate                          12.46% 
 
 
        Total Principal Balance                         $30,549,822,447.26 
 
 
        Investor Participation Amount                      $750,000,000.00 
 
 
        Seller Participation Amount                      $3,759,687,928.77