BA MASTER CREDIT CARD TRUST /
8-K/A, 1996-11-22
ASSET-BACKED SECURITIES
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                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K/A


                                 CURRENT REPORT


                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


                                 July 19, 1996
                        -------------------------------
                       (Date of earliest event reported)


                      BANK OF AMERICA NATIONAL ASSOCIATION
                      ------------------------------------
             (Exact name of registrant as specified in its charter)


           U.S.A.                     333-4152               86-0645265
- --------------------------------------------------------------------------------
(State or Other Jurisdiction        (Commission           (I.R.S. Employer
 of Incorporation)                   File Number)      Identification Number)


1825 East Buckeye Road
Phoenix, Arizona                                         85034
- --------------------------------------------------------------------------------
(Address of Principal Executive Offices)                (Zip Code)


                                 (602) 597-3738
              (Registrant's telephone number, including area code)


                                      N/A
         (Former Name or Former Address, if Changed Since Last Report)

<PAGE>

INFORMATION TO BE INCLUDED IN THE REPORT


Items 1-4.  Not Applicable.

Item  5.    Not Applicable.

Item 6.     Not Applicable.

Item 7.     Exhibits.

            The  following  are filed as Exhibits to this Report under  Exhibits
            20.1, 20.2, 20.3, 20.4, 20.5, 20.6.

            Exhibit 20.1   Monthly Payment Instructions and Notification to the
                           Trustee, dated as of August 31, 1996

            Exhibit 20.2   Monthly Series 1996-A Certificateholders' Statement,
                           dated as of August 31, 1996

            Exhibit 20.3   Schedule to Monthly Servicer's Certificate, dated as
                           of August 31, 1996

            Exhibit 20.4   Monthly Servicer's Certificate, dated as of
                           August 31, 1996

            Exhibit 20.5   BA Master Credit Card Trust Series 1996-A, dated as
                           of August 31, 1996

            Exhibit 20.6   BA Master Credit Card Trust Series 1996-A (Monthly
                           Payment Certificate), dated as of August 31, 1996


                                   SIGNATURES

            Pursuant to the requirements of the Securities Exchange Act of 1934,
as amended, the registrant has duly caused this report to be signed on its
behalf by the undersigned hereunto duly authorized.


                                           BANK OF AMERICA NATIONAL ASSOCIATION


Date:  November 26, 1996


                                           By:  /s/ MARGARET A. SPRUDE
                                                --------------------------------
                                                Name:  Margaret A. Sprude
                                                Title: Senior Vice President

<PAGE>

                               INDEX TO EXHIBITS


Exhibit
Number         Exhibit Description
- -------        -------------------

20.1           Monthly Payment Instructions and Notification to the Trustee,
               dated as of August 31, 1996

20.2           Monthly Series 1996-A Certificateholders' Statement, dated as of
               August 31, 1996

20.3           Schedule to Monthly Servicer's Certificate, dated as of
               August 31, 1996

20.4           Monthly Servicer's Certificate, dated as of August 31, 1996

20.5           BA Master Credit Card Trust Series 1996-A, dated as of
               August 31, 1996

20.6           BA Master Credit Card Trust Series 1996-A (Monthly Payment
               Certificate), dated as of August 31, 1996



                   MONTHLY PAYMENT INSTRUCTIONS AND NOTIFICATION
                                  TO THE TRUSTEE
                       BANK OF AMERICA NATIONAL ASSOCIATION
                     BA MASTER CREDIT CARD TRUST SERIES 1996-A
                       MONTHLY PERIOD ENDING AUGUST 31, 1996
                                             ---------------

            Capitalized terms used in this notice have their respective meanings
set forth in the Pooling and Servicing Agreement.   References herein to certain
sections and subsections are references to the respective sections and
subsections of the Pooling and Servicing Agreement as supplemented by the Series
1996-A Supplement.  This notice is delivered pursuant to Section 4.09.

   A. Bank of America is the Servicer under the Pooling and Servicing Agreement.

   B. The undersigned is a Servicing Officer.

   C. The date of this notice is on or before the related Transfer Date under
      the Pooling and Servicing Agreement.

I.    INSTRUCTION TO MAKE A WITHDRAWAL

            Pursuant to Section 4.09, the Servicer does hereby instruct the
   Trustee (i) to make withdrawals from the Finance Charge Account, the Prin-
   cipal Account, and the Principal Funding Account on SEPTEMBER 13, 1996, which
                                                       ------------------
   date is a Transfer Date under the Pooling and Servicing Agreement, in aggre-
   gate amounts set forth below in respect of the following amounts and (ii) to
   apply the proceeds of such withdrawals in accordance with subsection 3 (a) of
   the Series 1996-A Supplement and Section 4.09 of the Pooling and Servicing
   Agreement:


A.         Pursuant to subsection 3 (a) of the Series 1996-A Supplement:

           1.    Servicer Interchange........................$        305,556.00
                                                              ------------------

B.         Pursuant to subsection 4.09 (a) (i):

           1.    Class A Monthly Interest at the Class A
                 Certificate Rate on the Class A Investor
                 Interest....................................$      3,904,813.62
                                                              ------------------

           2.    Class A Deficiency Amount...................$              0.00
                                                              ------------------

           3.    Class A Additional Interest.................$              0.00
                                                              ------------------



C.         Pursuant to subsection 4.09 (a) (ii):
           1.    Class A Servicing Fee.......................$        261,250.00
                                                              ------------------

           2.    Accrued and unpaid Class A Servicing Fee....$              0.00
                                                             ------------------


D.         Pursuant to subsection 4.09 (a) (iii):
           1.    Class A Investor Default Amount.............$      2,330,134.89
                                                              ------------------

E.         Pursuant to subsection 4.09 (a) (iv):
           1.    Portion of Excess Spread from Class A
                 Available Funds to be allocated and
                 distributed as provided in Section 4.11.....$      2,355,417.57
                                                              ------------------


F.         Pursuant to subsection 4.09 (b) (i):
           1.    Class B Monthly Interest at the Class B
                 Certificate Rate on the Class B Investor
                 Interest....................................$        305,379.40
                                                              ------------------

           2.    Class B Deficiency Amount...................$              0.00
                                                              ------------------

           3.    Class B Additional Interest.................$              0.00
                                                              ------------------


G.         Pursuant to subsection 4.09 (b) (ii):
           1.    Class B Servicing Fee.......................$         19,861.00
                                                              ------------------

           2.    Accrued and unpaid Class B Servicing Fee....$              0.00
                                                              ------------------

H.         Pursuant to subsection 4.09 (b) (iii):
           1.    Portion of Excess Spread from Class B
                 Available Funds to be allocated and
                 distributed as provided in Section 4.11.....$        347,689.48
                                                              ------------------

I.         Pursuant to subsection 4.09 (c) (i):
           1.    Collateral Interest Servicing Fee, if
                 applicable..................................$           N/A   
                                                              ------------------

           2.    Accrued and unpaid Collateral Interest
                 Servicing Fee, if applicable................$           N/A
                                                              ------------------

J.         Pursuant to subsection 4.09 (c) (ii):
           1.    Portion of Excess Spread from Collateral
                 Available  Funds to be allocated and
                 distributed as provided  in  Section 4.11...$        828,221.39
                                                              ------------------

                 Total.......................................$     10,658,323.34
                                                              ==================


K.         Pursuant to subsection 4.09 (d) (ii):
           1.    Amount to be treated as Shared Excess
                 Principal Collections.......................$              0.00
                                                              ------------------


L.         Pursuant to subsection 4.09 (d) (iii):
           1.    Amount to be  paid to the  Holder of  the
                 Transferor Certificate......................$     89,533,163.81
                                                              ------------------


           2.    Unallocated Principal Collections...........$              0.00
                                                              ------------------


M.         Pursuant to subsection 4.09 (e) (i):
           1.    Class A Monthly Principal...................$              0.00
                                                              ------------------


N.         Pursuant to subsection 4.09 (e) (ii):
           1.    Class B Monthly Principal...................$              0.00
                                                              ------------------


O.         Pursuant to subsection 4.09 (e) (iii)
           1.    Collateral Monthly Principal to be applied
                 in accordance with the Loan Agreement.......$              0.00
                                                              ------------------

P.         Pursuant to subsection 4.09 (e) (iv):
           1.    Amount to be treated as Shared Excess
                 Principal Collections.......................$              0.00
                                                              ------------------

Q.         Pursuant to subsection 4.09 (e) (v):
           1.    Amount to be paid to the Holder of the
                 Transferor Certificate......................$              0.00
                                                              ------------------

           2.    Unallocated Principal Collections...........$              0.00
                                                              ------------------


                            Total............................$              0.00
                                                              ==================

R.         Pursuant to subsection 4.09 (f):

           1.    Amount to be withdrawn from the Principal
                 Funding Account and deposited into the
                 Distribution Account                        $              0.00
                                                              ------------------

S.         Pursuant to Section 4.13:
           1.    Amount of Shared Excess Finance Charge
                 Collections to be withdrawn from the
                 Finance Charge account to be allocated to
                 Series 1996-A and distributed as provided
                 in Section 4.11                             $              0.00
                                                              ------------------


II.   INSTRUCTION TO MAKE CERTAIN PAYMENTS

            Pursuant to Section 4.09, the Servicer does hereby instruct the
Trustee to pay in accordance with Section 5.01 from the Distribution Account
on SEPTEMBER 16, 1996, which date is a Distribution Date under the Pooling
   ------------------
and Servicing Agreement, amounts so deposited in the Distribution Account
pursuant to Section 4.09 as set forth below:

A.       Pursuant to subsection 4.09 (g):

           1.    Amount to be distributed to Class A
                 Certificateholders..........................$      3,904,813.62
                                                              ------------------

           2.    Amount to be distributed to Class B
                 Certificateholders..........................$        305,379.40
                                                              ------------------

B.       Pursuant to subsection 4.09 (h) (i):

           1.    Amount to be distributed to Class A
                 Certificateholders..........................$              0.00
                                                              ------------------

C.       Pursuant to subsection 4.09 (h) (ii):

           1.    Amount to be distributed to the  Class B
                 Certificateholders..........................$              0.00
                                                              ------------------




III.  APPLICATION OF EXCESS SPREAD

            Pursuant to Section 4.11, the Servicer does hereby instruct the
Trustee to apply the Excess Spread with respect to the related Monthly
Period and to make the following distributions in the following priority:

A.         The amount equal to the Class A Required Amount,
           if any, which will be used to fund the Class A
           Required Amount and be applied in accordance
           with, and in the priority set forth in,
           subsection 4.09 (a)...............................$              0.00
                                                              ------------------

B.         The amount equal to the aggregate amount of
           Class A Investor Charge Offs which have not been
           previously reimbursed (after giving effect to
           the allocation on such Transfer Date of certain
           other amounts applied for that purpose) which
           will be treated as a portion of Investor
           Principal Collections and deposited into the
           Principal Account on such Transfer Date...........$              0.00
                                                              ------------------

C.         The amount equal to the Class B Required
           Amount, if any, which will be used to fund the
           Class B Required Amount and be applied first
           in accordance with, and in the priority set
           forth in, subsection 4.09(b) and then any
           amount available to pay the Class B Investor
           Default Amount shall be treated as a portion
           of Investor Principal Collections and
           deposited into the Principal Account..............$        177,144.76
                                                              ------------------


D.         The amount equal to the aggregate amount by
           which the Class B Investor Interest has been
           reduced below the initial Class B Investor
           Interest for reasons other than the payment of
           principal to the Class B Certificateholders
           (but not in excess of the aggregate amount of
           such reductions which have not been previously
           reimbursed) which will be treated as a portion
           of Investor Principal Collections and
           deposited into the Principal Account..............$              0.00
                                                              ------------------


E.         The amount equal to the Collateral Monthly
           Interest plus the amount of any past due
           Collateral Monthly Interest which will be paid
           to the Collateral Interest Holder for
           application in accordance with the Loan
           Agreement.........................................$        383,062.68
                                                              ------------------


F.         The amount equal to the aggregate amount of
           accrued but unpaid Collateral Interest
           Servicing Fees which will be paid to the
           Servicer if the Transferor or an Acceptable
           Successor Servicer is the Servicer................$         24,445.00
                                                              ------------------


G.         The amount equal to the Collateral Default
           Amount, if any, for the prior Monthly Period
           which will be treated as a portion of Investor
           Principal Collections and deposited into the
           Principal Account.................................$        218,024.32
                                                              ------------------


H.         The amount equal to the aggregate amount by
           which the Collateral Interest has been reduced
           below the Required Collateral Interest for
           reasons other than the payment of principal to
           the Collateral Interest Holder (but not in
           excess of the aggregate amount of such
           reductions which have not been previously
           reimbursed) which will be treated as a portion
           of Investor Principal Collections and
           deposited into the Principal Account..............$              0.00
                                                              ------------------

I.         On each Transfer Date from and after the Reserve
           Account Funding Date, but prior to the date on
           which the Reserve Account terminates as
           described in subsection 4.16 (f), the amount up
           to the excess, if any, of the Required Reserve
           Account Amount over the Available Reserve
           Account Amount which shall be deposited into the
           Reserve Account...................................$              0.00
                                                              ------------------


J.         The balance, if any, after giving effect to the
           payments made pursuant to subparagraphs (a)
           through (i) above which shall be deposited into
           the Distribution Account and applied in
           accordance with the provisions of the Loan
           Agreement.........................................$      2,728,651.67
                                                              ------------------


IV.   REALLOCATED PRINCIPAL COLLECTIONS

            Pursuant to Section 4.12, the Servicer does hereby instruct the
Trustee to withdraw from the Principal Account and apply Reallocated
Principal Collections pursuant to Section 4.12 with respect to the related
Monthly Period in the following amounts:

     A.    Reallocated Collateral Principal Receivables......$              0.00
                                                              ------------------

     B.    Reallocated Class B Principal Receivables.........$              0.00
                                                              ------------------


V.   ACCRUED AND UNPAID AMOUNTS

            After giving effect to the withdrawals and transfers to be made
in accordance with this notice, the following amounts will be accrued and
unpaid with respect to all Monthly Periods preceding the current calendar
month.

A.      Subsections 4.09 (a) (i) and (b) (i) :
           (1)   The aggregate amount of the Class A
                 Deficiency    Amount........................$              0.00
                                                              ------------------

           (2)   The aggregate amount of Class B Deficiency
                 Amount......................................$              0.00
                                                              ------------------


B.      Subsections 4.09 (a) (ii) and (b) (ii):
           The aggregate amount of all accrued and unpaid
           Investor Monthly Servicing Fees...................$              0.00
                                                              ------------------


C.      Section 4.10:
           The aggregate amount of all unreimbursed
           Investor Charge Offs..............................$              0.00
                                                              ------------------


IN WITNESS WHEREOF, the undersigned has duly executed this certificate this 11th
                                                                            ----
day of SEPTEMBER, 1996.
       ---------------


                                    BANK OF AMERICA NATIONAL
                                          ASSOCIATION

                                          Transferor and Servicer


                                    By:  /s/ Margaret A. Sprude
                                         ---------------------------------------
                                         Name:  Margaret A. Sprude
                                         Title:    SVP & Chief Financial Officer



             MONTHLY SERIES 1996-A CERTIFICATEHOLDERS' STATEMENT
             ---------------------------------------------------

                                Series 1996-A

                     BANK OF AMERICA NATIONAL ASSOCIATION
- --------------------------------------------------------------------------------

                         BA MASTER CREDIT CARD TRUST
- --------------------------------------------------------------------------------


      The information which is required to be prepared with respect to the
distribution date of SEPTEMBER 16, 1996, and with respect to the performance
                     ------------------
of the Trust during the related Monthly Period.

      Capitalized terms used in this Statement have their respective meanings
set forth in the Pooling and Servicing Agreement.

      A.    Information Regarding the Current Monthly Distribution (Stated on
            -----------------------------------------------------------------
            the Basis of $1,000 Original Certificate Principal Amount)
            ----------------------------------------------------------

             1.   The amount of the current monthly
                  distribution in respect of Class A Monthly
                  Principal..................................$           0.00000
                                                              ------------------

             2.   The amount of the current monthly
                  distribution in respect of Class B Monthly
                  Principal..................................$           0.00000
                                                              ------------------

             3.   The amount of the current monthly
                  distribution in respect of Collateral
                  Monthly Principal..........................$           0.00000
                                                              ------------------

             4.   The amount of the current monthly
                  distribution in respect of Class A
                  Monthly Interest...........................$           9.13407
                                                              ------------------

             5.   The amount of the current monthly
                  distribution in respect of Class A
                  Deficiency Amounts.........................$           0.00000
                                                              ------------------

             6.   The amount of the current monthly
                  distribution in respect of Class A
                  Additional Interest........................$           0.00000
                                                              ------------------

             7.   The amount of the current monthly
                  distribution in respect of Class B Monthly
                  Interest...................................$           9.39629
                                                              ------------------

             8.   The amount of the current monthly
                  distribution in respect of Class B
                  Deficiency Amounts.........................$           0.00000
                                                              ------------------

             9.   The amount of the current monthly
                  distribution in respect of Class B
                  Additional Interest........................$           0.00000
                                                              ------------------

            10.   The amount of the current monthly
                  distribution in respect of Collateral
                  Monthly Interest...........................$           9.57657
                                                              ------------------

            11.   The amount of the current monthly
                  distribution in respect of any accrued
                  and unpaid Collateral Monthly Interest.....$           0.00000
                                                              ------------------

      B.    Information Regarding the Performance of the Trust
            --------------------------------------------------

             1.   Collection of Principal Receivables
                  -----------------------------------

                  (a)   The aggregate amount of Collections
                        of Principal Receivables processed
                        during the related Monthly Period
                        which were allocated in respect of
                        the Class A Certificates.............$     74,220,720.16
                                                              ------------------

                  (b)   The aggregate amount of Collections
                        of Principal Receivables processed
                        during the related Monthly Period
                        which were allocated in respect of
                        the Class B Certificates.............$      5,642,510.89
                                                              ------------------

                  (c)   The aggregate amount of Collections
                        of Principal Receivables processed
                        during the related Monthly Period
                        which were allocated in respect of
                        the Collateral Interest..............$      6,944,628.79
                                                              ------------------

             2.   Principal Receivables in the Trust
                  ----------------------------------

                  (a)   The aggregate amount of Principal
                        Receivables in the Trust as of the
                        end of the day on the last day of
                        the related Monthly Period...........$  3,930,294,145.54
                                                              ------------------

                  (b)   The amount of Principal Receivables
                        in the Trust represented by the
                        Investor Interest of Series 1996-A
                        as of the end of the day on the
                        last day of the related Monthly
                        Period...............................$    500,000,000.00
                                                             -------------------

                  (c)   The amount of Principal Receivables
                        in the Trust represented by the
                        Series 1996-A Adjusted Investor
                        Interest as of the end of day on
                        the last day of the related Monthly
                        Period...............................$    500,000,000.00
                                                              ------------------

                  (d)   The amount of Principal Receivables
                        in the Trust represented by the
                        Class A Investor Interest as of the
                        end of the day on the last day of
                        the related Monthly Period...........$    427,500,000.00
                                                              ------------------

                  (e)   The amount of Principal Receivables
                        in the Trust represented by the
                        Class A Adjusted Investor Interest
                        as of the end of day on the last
                        day of the related Monthly Period....$    427,500,000.00
                                                              ------------------

                  (f)   The amount of Principal Receivables
                        in the Trust represented by the
                        Class B Investor Interest as of the
                        end of the day on the last day of
                        the related Monthly Period...........$     32,500,000.00
                                                              ------------------

                  (g)   The amount of Principal Receivables
                        in the Trust represented by the
                        Collateral Interest as of the end
                        of the day on the last day of the
                        related Monthly Period...............$     40,000,000.00
                                                              ------------------

                  (h)   The Floating Investor Percentage
                        with respect to the related Monthly
                        Period...............................           12.5104%
                                                              ------------------

                  (i)   The Class A Floating Allocation
                        with respect to the related Monthly
                        Period...............................             85.50%
                                                              ------------------

                  (j)   The Class B Floating Allocation
                        with respect to the related Monthly
                        Period...............................              6.50%
                                                              ------------------

                  (k)   The Collateral Floating Allocation
                        with respect to the related Monthly
                        Period...............................              8.00%
                                                              ------------------

                  (l)   The Fixed Investor Percentage with
                        respect to the related Monthly
                        Period...............................                N/A
                                                              ------------------

                  (m)   The Class A Fixed Allocation with
                        respect to the related Monthly
                        Period...............................                N/A
                                                              ------------------

                  (n)   The Class B Fixed Allocation with
                        respect to the related Monthly
                        Period...............................                N/A
                                                              ------------------

                  (o)   The Collateral Fixed Allocation
                        with respect to the related Monthly
                        Period...............................                N/A
                                                              ------------------

            3.    Delinquent Balances
                  -------------------

                  The aggregate amount of outstanding balances in the
                  Accounts which were delinquent as of the end of the day on
                  the last day of the related Monthly Period:

                                                  Aggregate      Percentage of
                                                   Account           Total
                                                   Balance        Receivables
                                                  ---------      -------------

                        (a)...30 - 59 days   $   54,518,352.04        1.3680%
                        (b)...60 - 89 days   $   34,244,709.12        0.8593%
                        (c)90 - or more days $   61,071,589.20        1.5324%
                        Total..............  $  149,834,650.36        3.7597%

            4.    Investor Default Amount
                  -----------------------

                  (a)   The Aggregate Investor Default
                        Amount for the related Monthly
                        Period...............................$      2,725,303.97
                                                              ------------------

                  (b)   The Class A Investor Default Amount
                        for the related Monthly Period.......$      2,330,134.89
                                                              ------------------

                  (c)   The Class B Investor Default Amount
                        for the related Monthly Period.......$        177,144.76
                                                              ------------------

                  (d)   The Collateral Default Amount for
                        the related Monthly Period...........$        218,024.32
                                                              ------------------

             5.   Investor Charge Offs
                  --------------------

                  (a)   The aggregate amount of Class A
                        Investor Charge Offs for the
                        related Monthly Period...............$              0.00
                                                              ------------------

                  (b)   The aggregate amount of Class A
                        Investor Charge Offs set forth in
                        5(a) above per $1,000 of original
                        certificate principal amount.........$              0.00
                                                              ------------------

                  (c)   The aggregate amount of Class B
                        Investor Charge Offs for the
                        related Monthly Period...............$              0.00
                                                              ------------------

                  (d)   The aggregate amount of Class B
                        Investor Charge Offset forth in
                        5(c) above per $1,000 of original
                        certificate principal amount.........$              0.00
                                                              ------------------

                  (e)   The aggregate amount of Collateral
                        Charge Offs for the related Monthly
                        Period...............................$              0.00
                                                              ------------------

                  (f)   The aggregate amount of Collateral
                        Charge Offs set forth in 5(e) above
                        per $1,000 of original certificate
                        principal amount.....................$              0.00
                                                              ------------------

                  (g)   The aggregate amount of Class A
                        Investor Charge Offs reimbursed on
                        the Transfer Date immediately
                        preceding this Distribution Date ....$              0.00
                                                              ------------------

                  (h)   The aggregate amount of Class A
                        Investor Charge Offs set forth in
                        5(g) above per $1,000 original
                        certificate principal amount
                        reimbursed on the Transfer Date
                        immediately preceding this
                        Distribution Date....................$              0.00
                                                              ------------------

                   (i)  The aggregate amount of Class B
                        Investor Charge Offs reimbursed on
                        the Transfer Date immediately
                        preceding this Distribution Date ....$              0.00
                                                              ------------------

                  (j)   The aggregate amount of Class B
                        Investor Charge Offs set forth in
                        5(i) above per $1,000 original
                        certificate principal amount
                        reimbursed on the Transfer Date
                        immediately preceding this
                        Distribution Date....................$              0.00
                                                              ------------------

                  (k)   The aggregate amount of Collateral
                        Charge Offs reimbursed on the
                        Transfer Date immediately preceding
                        this Distribution Date...............$              0.00
                                                              ------------------

                  (l)   The aggregate amount of Collateral
                        Charge Offs set forth in 5(k) above
                        per $1,000 original certificate
                        principal amount reimbursed on the
                        Transfer Date immediately preceding
                        Distribution Date....................$              0.00
                                                              ------------------


             6.   Investor Servicing Fee
                  ----------------------

                  (a)   The amount of the Class A Servicing
                        Fee payable by the Trust to the
                        Servicer for the related Monthly
                        Period...............................$        261,250.00
                                                              ------------------

                  (b)   The amount of the Class B Servicing
                        Fee payable by the Trust to the
                        Servicer for the related Monthly
                        Period...............................$         19,861.00
                                                              ------------------

                  (c)   The amount of the Collateral
                        Servicing Fee payable by the Trust
                        to the Servicer for the related
                        Monthly Period.......................$         24,445.00
                                                              ------------------

                  (d)   The amount of Servicer Interchange
                        payable by the Trust to the
                        Servicer for the related Monthly
                        Period...............................$        305,556.00
                                                              ------------------


             7.   Reallocations
                  -------------

                  (a)   The amount of Reallocated
                        Collateral Principal Collections
                        with respect to this Distribution
                        Date.................................$              0.00
                                                              ------------------

                  (b)   The amount of Reallocated Class B
                        Principal Collections with respect
                        to this Distribution Date............$              0.00
                                                              ------------------

                  (c)   The Collateral Interest as of the
                        close of business on this
                        Distribution Date....................$     40,000,000.00
                                                              ------------------

                  (d)   The Class B Investor Interest as of
                        the close of business on this
                        Distribution Date....................$     32,500,000.00
                                                              ------------------

             8.   Collection of Finance Charge Receivables
                  ----------------------------------------

                  (a)   The aggregate amount of Collections
                        of Finance Charge Receivables
                        processed during the related
                        Monthly Period which were allocated
                        in respect of the Class A
                        Certificates.........................$      8,851,616.08
                                                              ------------------

                  (b)   The aggregate amount of Collections
                        of Finance Charge Receivables
                        processed during the related
                        Monthly Period which were allocated
                        in respect of the Class B
                        Certificates.........................$        672,929.88
                                                              ------------------

                  (c)   The aggregate amount of Collections
                        of Finance Charge Receivables
                        processed during the related
                        Monthly Period which were allocated
                        in respect of the Collateral
                        Interest.............................$        828,221.39
                                                              ------------------

            9.    Principal Funding Account
                  -------------------------

                  (a)   The principal amount on deposit in
                        the Principal Funding Account on
                        the related Transfer Date............$              0.00
                                                              ------------------

                  (b)   The Accumulation Shortfall with
                        respect to the related Monthly
                        Period...............................$              0.00
                                                              ------------------

                  (c)   The Principal Funding Investment
                        Proceeds deposited in the Finance
                        Charge Account on the related
                        Transfer Date........................$              0.00
                                                              ------------------

                  (d)   The Principal Funding Investment
                        Shortfall............................$              0.00
                                                              ------------------

                  (e)   The amount of all or the portion of
                        the Reserve Draw Amount deposited
                        in the Finance Charge Account on
                        the related Transfer Date from the
                        Reserve Account......................$              0.00
                                                              ------------------

            10.   Reserve Draw Amount........................$              0.00
                  -------------------                         ------------------


            11.   Available Funds
                  ---------------

                  (a)   The amount of Class A Available
                        Funds on deposit in the Finance
                        Charge Account on the related
                        Transfer Date........................$      8,851,616.08
                                                              ------------------

                  (b)   The amount of Class B Available
                        Funds on deposit in the Finance
                        Charge Account on the related
                        Transfer Date........................$        672,929.88
                                                              ------------------

                  (c)   The amount of Collateral Available
                        Funds on deposit in the Finance
                        Charge Account on the related
                        Transfer Date........................$        828,221.39
                                                              ------------------

            12.   Portfolio Yield
                  ---------------

                  (a)  The Net Portfolio Yield for the
                       related Monthly Period.................          12.9813%
                                                              ------------------

                  (b)  The Portfolio Adjusted Yield for
                       the related Monthly Period.............           3.9651%
                                                              ------------------

      C.    Floating Rate Determinations
            ----------------------------

                  1.    LIBOR for the Interest Period
                        ending on August 14, 1996..............          5.4688%
                                                              ------------------


                  2.    LIBOR for the Interest Period
                        ending on this Distribution Date
                        (September 15, 1996)...................          5.4219%
                                                              ------------------

                  NOTE:     Initial Investment Period coprised July 19, 1996
                            through August 14, 1996 and August 15, 1996 through
                            September 15, 1996.







                              BANK OF AMERICA NATIONAL
                                    ASSOCIATION
                                    Transferor and Servicer


                              By:  /s/ Margaret A. Sprude
                                   ---------------------------------------
                                   Name:  Margaret A. Sprude
                                   Title:    SVP & Chief Financial Officer



                     SCHEDULE TO MONTHLY SERVICER'S CERTIFICATE
                        MONTHLY PERIOD ENDING AUGUST 31, 1996
                        BANK OF AMERICA NATIONAL ASSOCIATION
                      BA MASTER CREDIT CARD TRUST SERIES 1996-A


             1.   The aggregate amount of the Investor
                  Percentage of Collections of Principal
                  Receivables................................$     86,807,859.84
                                                              ------------------

             2.   The aggregate amount of the Investor
                  Percentage of Collections of Finance
                  Charge Receivables (excluding Interchange).$      9,605,128.00
                                                              ------------------

             3.   The aggregate amount of the Investor
                  Percentage of Interchange..................$      1,053,195.34
                                                              ------------------

             4.   The aggregate amount of Servicer
                  Interchange................................$        305,556.00
                                                              ------------------

             5.   The aggregate amount of funds on deposit
                  in Finance Charge Account allocable to the
                  Series 1996-A   Certificates.............. $     10,352,767.34
                                                              ------------------

             6.   The aggregate amount of funds on deposit
                  in the Principal Account allocable to the
                  Series 1996-A  Certificates................$     86,807,859.84
                                                              ------------------

            7.    The aggregate amount of funds on deposit
                  in the Principal Funding Account allocable
                  to the Series 1996-A Certificates..........$              0.00
                                                              ------------------

             8.   The aggregate amount to be withdrawn from
                  the Finance Charge Account and paid in
                  accordance with the Loan Agreement
                  pursuant to Section 4.11...................$              0.00
                                                              ------------------

             9.   The excess, if any, of the Required
                  Collateral Interest over the Collateral
                  Interest...................................$              0.00
                                                              ------------------

            10.   The Collateral Interest on the Transfer
                  Date of the current calendar month, after
                  giving effect to the deposits and
                  withdrawals specified above, is equal to...$     40,000,000.00
                                                              ------------------

            11.   The amount of Monthly Interest, Deficiency
                  Amounts and Additional Interest payable to
                  the
                  (i)   Class A Certificateholders...........$      3,904,813.62
                                                              ------------------

                  (ii)  Class B Certificateholders...........$        305,379.40
                                                              ------------------

                  (iii) Collateral Interest Holder...........$        383,062.68
                                                              ------------------

            12.    The amount of principal payable to the
                  (i)   Class A Certificateholders...........$              0.00
                                                              ------------------

                  (ii)  Class B Certificateholders...........$              0.00
                                                              ------------------

                  (iii) Collateral Interest Holder...........$              0.00
                                                              ------------------

            13.   The sum of all amounts payable to the
                  (i)   Class A Certificateholders...........$      3,904,813.62
                                                              ------------------

                  (ii)  Class B Certificateholders ..........$        305,379.40
                                                              ------------------

                  (iii) Collateral Interest Holder...........$        383,062.68
                                                              ------------------

            14 .  To the knowledge of the undersigned, no Series
                  1996-A Pay Out Event or Trust Pay Out Event has
                  occurred except as described below:

                        None







                  IN WITNESS WHEREOF, the undersigned has duly executed and
            delivered this Certificate this _11th day of SEPTEMBER, 1996.

                                  BANK OF AMERICA NATIONAL
                                  ASSOCIATION
                                  Transferor and Servicer


                                  By:  /s/ Margaret A. Sprude
                                       -------------------------------------
                                       Name:   Margaret A. Sprude
                                       Title:  SVP & Chief Financial Officer



                        MONTHLY SERVICER'S CERTIFICATE

                     Monthly Period Ending AUGUST 31, 1996
                     Bank of America National Association
               _________________________________________________

                          BA MASTER CREDIT CARD TRUST
               _________________________________________________


            1.    Capitalized terms used in this Certificate have their
respective meanings set forth in the Pooling and Servicing Agreement;
provided, that the "preceding Monthly Period" shall mean the Monthly Period
immediately preceding the calendar month in which this Certificate is
delivered.  This Certificate is delivered pursuant to subsection 3.04 (b) of
the Pooling and Servicing Agreement.  References herein to certain sections
and subsections are references to the respective sections and subsections of
the Pooling and Servicing Agreement.

            2.    Bank of America National Association is Servicer under the
Pooling and Servicing Agreement.

            3.    The undersigned is a Servicing Officer.

            4.    The date of this Certificate is a Determination Date under
the Pooling and Servicing Agreement.

            5.    The aggregate amount of Collections
processed during the preceding Monthly Period was equal to
(excluding Annual Membership Fees and Interchange)........   $     68,738,795.88
                                                              ------------------

            6.    The Aggregate Investor Percentage of
Receivables processed by the Servicer during the preceding
Monthly Period was equal to..................................$     97,818,788.13
                                                              ------------------

            7.    The Aggregate Investor Percentage of
Collections of Finance Charge Receivables processed by the
Servicer during the preceding Monthly Period was equal to
(excluding Annual Membership Fees and Interchange)...........$      9,259,229.50
                                                              ------------------

            8.    The aggregate amount of Receivables
processed by the Servicer as of the end of the last day of
the preceding Monthly Period.................................$    781,900,066.49
                                                              ------------------

            9.    Of the balance on deposit in the Finance
Charge Account, the amount attributable to the Aggregate
Investor Percentage of Collections processed by the Servicer
during the preceding Monthly Period .........................$     10,658,323.34
                                                              ------------------

            10.   Of the balance on deposit in the Principal
Account, the amount attributable to the Aggregate Investor
Percentage of Collections processed by the Servicer during
the preceding Monthly Period.................................$     86,807,859.84
                                                              ------------------

            11.   The aggregate amount, if any, of
withdrawals, drawings or payments under any Credit
Enhancement, if any, required to be made with respect to any
Series outstanding for the preceding Monthly Period..........$              0.00
                                                              ------------------

            12.   The Aggregate Investor Percentage of
Collections of Principal Receivables processed by the
Servicer during the related Monthly Period is equal to.......$     86,807,859.84
                                                              ------------------

            13.   The amount equal to the Aggregate
Investor Percentage of Annual Membership Fees deposited to
the Finance Charge Account or any Series Account on or
before the Transfer Date during the current month is equal
to...........................................................$        345,898.50
                                                              ------------------

            14.   The aggregate amount of Interchange to be
deposited in the Finance Charge Account on the Transfer
Date of the current month is equal to........................$      1,053,195.34
                                                              ------------------

            15.   The aggregate amount of all sums payable
to the Investor Certificateholder of each Series on the
succeeding Distribution Date with respect to Certificate
Principal....................................................$              0.00
                                                              ------------------

            16.   The aggregate amount of all sums payable
to the Investor Certificateholder of each Series on the
succeeding Distribution Date with respect to Certificate
Interest.....................................................$      4,593,255.70
                                                              ------------------

            17.   The aggregate amount of Default Amounts
processed by the Servicer as of the end of the last day of
the preceding Monthly Period.................................$     21,825,200.77
                                                              ------------------

            18.   To the knowledge of the undersigned, there are no Liens on
any Receivables in the Trust except as described below:

                                     None




            IN WITNESS WHEREOF, the undersigned has duly executed and
delivered this certificate this  11th  day of  SEPTEMBER, 1996.

                                    BANK OF AMERICA NATIONAL ASSOCIATION
                                    Transferor and Servicer

                                    By:  /s/ MARGARET A. SPRUDE
                                         ------------------------------------
                                         Name:  Margaret A. Sprude
                                         Title: SVP & Chief Financial Officer



                          BA MASTER CREDIT CARD TRUST
                                 SERIES 1996-A

                     Monthly Period Ending: AUGUST 31,1996
                                            --------------
                   (First Monthly Period 7/19/96 - 8/31/96)


                               PORTFOLIO STATUS
                               ----------------

                                                # of Accounts           Dollars
                                                -------------           -------

Total Outstanding                                               3,985,242,179.94

       (a)  Total Principal Outstandings              N/A       3,930,294,145.54

       (b)  Total Finance Charge Outstandings         N/A          54,948,034.40


Adjusted Investor Interest                                        500,000,000.00

       (a)  Class A Adjusted Investor Interest                    427,500,000.00

       (b)  Class B Investor Interest                              32,500,000.00

       (c)  Collateral Interest                                    40,000,000.00




Delinquencies                                                     149,834,650.36

        %  of  Total Outstandings                                        3.7597%

Gross Credit Losses                                                21,825,200.77

        % of Total Outstandings                                          0.5477%

Investor Default Amount                                             2,725,303.96
        % Adjusted Investor Interest                                     0.5451%

Monthly Payment Rate                                                    19.3591%





Payments and Yield                                                   Amount
- ------------------                                                   ------

Aggregate Amount of Collections of Principal
Receivable (allocable to Investor Interest)                       $86,807,859.84

   (a)      Shared Principal Collections
            (allocable to Investor Interest -
            if any)                                               $         0.00

Aggregate Amount of Collections of Finance
Charge Receivable (allocable to Adjusted
Investor Interest)                                                $10,352,767.34

   (a)      Periodic Finance Charges other
            fees, including Cash Advance Fees,
            Late Fees and charges for credit
            insurance and Special Fees.                           $ 9,259,229.50

   (b)      Annual Membership Fees                                $   345,898.50

   (c)      Interchange (if any)                                  $   747,639.34


                                                                     Amount
                                                                     ------

Principal Funding Account Balance                                     0.00

Principal Funding Investment Proceeds                                 0.00

Required Reserve Account Amount                                       0.00

      % of Class A Investor Interest                                  0.00%

Reserve Account Amount                                                0.00

        % of Class A Investor Interest                                0.00%

Interest and earnings on funds on deposit in
the Reserve Account (accrued since the
preceding Transfer Date as per Section 4.15(b))                       0.00

Servicer Interchange                                              305,556.00

            % of Adjusted Investor Interest                           0.50%


Gross Portfolio Yield                                               17.4409%

Default Rate (Gross)                                                 4.4596%

Portfolio Yield                                                     12.9813%

Base Rate                                                            8.5162%

Modified Excess Spread Percentage                                    6.376%

Excess Spread                                                 $2,728,651.67

Spread Account Cap Percentage                                         0.00%

Spread Account Cap                                            $       0.00

Spread Account Amount                                         $       0.00

            % of Initial Investor Interest                            0.00%

Investment Earnings                                           $       0.00



                         BA MASTER CREDIT CARD TRUST
                                SERIES 1996-A

                    Monthly Period Ending: AUGUST 31, 1996
                                           ---------------
                   (First Monthly Period 7/19/96 - 8/31/96)

                         MONTHLY PAYMENT CERTIFICATE
                         ---------------------------


This document shall be in the form of Exhibit C to the Supplement and shall
include the following supplemental information:

CA Investor Interest
- --------------------
      CA Investor Principal Balance                          $     40,000,000.00
                                                              ------------------
      Required Collateral Interest                           $     40,000,000.00
                                                              ------------------
      Collateral Interest                                    $     40,000,000.00
                                                              ------------------
      CA Investor Charge Offs                                $              0.00
                                                              ------------------
      Collateral Floating Allocation                                       8.00%
                                                              ------------------
      Collateral Fixed Allocation                                          N/A
                                                              ------------------

Spread Account
- --------------
      Spread Account Amount                                  $              0.00
                                                              ------------------
      Investment Earnings                                    $              0.00
                                                              ------------------
      Spread Account Cap                                     $              0.00
                                                              ------------------
      Spread Account Surplus                                 $              0.00
                                                              ------------------
      Spread Account Percentage                                            0.00%
                                                              ------------------


Available Funds
- ---------------
      Available Non-Principal Funds                          $        383,062.68
                                                              ------------------
      Available Principal Funds                              $              0.00
                                                              ------------------


Application of Available Funds/1/
- ---------------------------------
      Application of Available Non-Principal Funds:
            Interest to CA Investors
            [2.10(a)(i)]                                     $        383,062.68
                                                              ------------------
            Fees, expenses and other amounts
            [2.10(a)(ii)]                                    $              0.00
                                                              ------------------

            Deposit of Spread Account
            Deficiency to Spread Account
            [2.10(a)(iii)]                                   $              0.00
                                                              ------------------
            To Transferor                                    $              0.00
                                                              ------------------

      Application of Available Principal Funds:
            Reduce CA Investor Principal
            Balance [2.10(b)]                                $              0.00
                                                              ------------------
            Remaining Funds to Transferor                    $              0.00
                                                              ------------------

Withdrawals from Spread Account [2.11(c)]
- -------------------------------
      To CA Investors:
            Interest Deficiency                              $              0.00
                                                              ------------------
            Deficiencies in fees, expenses and
            other amounts                                    $              0.00
                                                              ------------------
            Reduction of CA Investor Principal
            Balance                                          $              0.00
                                                              ------------------

      To Transferor:
            Excess of Spread Account Amount
            over Spread Account Cap                          $              0.00
                                                              ------------------
            Investment Earnings                              $              0.00
                                                              ------------------

Modified Excess Spread Percentage                                         6.376%
                                                              ------------------

- ------------------
/1/ If delivered by Agent (Section 2.10(d)), only this portion to be given.



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