Exhibit 99.28
MBNA MASTER CREDIT CARD TRUST II
SERIES 1998-D
KEY PERFORMANCE FACTORS
October 31, 2000
Expected B Maturity 7/15/03
Blended Coupon 5.9180%
Excess Protection Level
3 Month Average 6.08%
October, 2000 6.51%
September, 2000 5.95%
August, 2000 5.79%
Cash Yield19.62%
Investor Charge Offs 4.51%
Base Rate 8.60%
Over 30 Day Delinquency 5.23%
Seller's Interest10.66%
Total Payment Rate14.07%
Total Principal Balance$56,359,968,018.99
Investor Participation Amount$559,000,000.00
Seller Participation Amount$6,009,277,457.50
