SCHEDULE TO MONTHLY SERVICER'S CERTIFICATE
MONTHLY PERIOD ENDING SEPTEMBER 30, 2000
----------------
BANK OF AMERICA NATIONAL ASSOCIATION
BA MASTER CREDIT CARD TRUST SERIES 1998-A
1. The aggregate amount of the Investor Percentage
of Collections of Principal Receivables.............$ 97,058,599.40
--------------
2. The aggregate amount of the Investor Percentage
of Collections of Finance Charge Receivables
(excluding Interchange)..............................$ 11,282,014.87
--------------
3. The aggregate amount of the Investor Percentage
of Interchange.......................................$ 709,669.91
--------------
4. The aggregate amount of Servicer Interchange.........$ 625,000.00
--------------
5. The aggregate amount of funds on deposit in
Finance Charge Account allocable to the Series
1998-A Certificates................................. $ 11,366,684.78
--------------
6. The aggregate amount of funds on deposit in
the Principal Account allocable to the Series
1998-A Certificates................................$ 97,058,599.40
--------------
7. The aggregate amount of funds on deposit in
the Principal Funding Account allocable to
the Series 1998-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 The aggregate amount to be withdrawn from the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...................................$ 60,000,000.00
--------------
11. The amount of Monthly Interest, Deficiency
Amounts and Additional Interest payable to the
(i) Class A Certificateholders.......................$ 3,760,384.77
--------------
(ii) Class B Certificateholders.......................$ 244,694.14
--------------
(iii)Collateral Interest Holder.......................$ 367,802.08
--------------
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.......................$ 3,760,384.77
--------------
(ii) Class B Certificateholders ......................$ 244,782.94
--------------
(iii)Collateral Interest Holder.......................$ 367,931.25
--------------
14. To the knowledge of the undersigned, no Series
1998-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 October, 2000.
--------------------------
BANK OF AMERICA NATIONAL ASSOCIATION
Transferor and Servicer
By: /s/ VICTORIA J. JAHANABANI
--------------------------------------
Name: Victoria J. Jahanabani
Title: Vice President
