MONTHLY SERIES 1996-A CERTIFICATEHOLDERS' STATEMENT
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Series 1996-A
BANK OF AMERICA NATIONAL ASSOCIATION
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BA MASTER CREDIT CARD TRUST
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The information which is required to be prepared with respect to the
Distribution Date of November 15, 2000, and with respect to the performance of
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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
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Basis of $1,000 Original Certificate Principal Amount)
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1. The amount of the current monthly distribution
in respect of Class A Monthly Principal...........$ 0.00000
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2. The amount of the current monthly distribution
in respect of Class B Monthly Principal...........$ 0.00000
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3. The amount of the current monthly distribution
in respect of Collateral Monthly Principal........$ 0.00000
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4. The amount of the current monthly distribution
in respect of Class A Monthly Interest............$ 5.62500
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5. The amount of the current monthly distribution
in respect of Class A Deficiency Amounts..........$ 0.00000
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6. The amount of the current monthly distribution
in respect of Class A Additional Interest.........$ 0.00000
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7. The amount of the current monthly distribution
in respect of Class B Monthly Interest............$ 5.75833
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8. The amount of the current monthly distribution
in respect of Class B Deficiency Amounts..........$ 0.00000
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9. The amount of the current monthly distribution
in respect of Class B Additional Interest.........$ 0.00000
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10. The amount of the current monthly distribution
in respect of Collateral Monthly Interest.........$ 5.85000
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11. The amount of the current monthly distribution
in respect of any accrued and unpaid Collateral
Monthly Interest..................................$ 0.00000
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B. Information Regarding the Performance of the Trust
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1. Collection of Principal Receivables
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(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................................$ 59,358,103.76
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(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.................................$ 4,512,604.38
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(c) The aggregate amount of Collections of
Principal Receivables processed during
the related Monthly Period which were
allocated in respect of the Collateral
Interest......................................$ 5,553,974.62
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2. Principal Receivables in the Trust
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(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........................$8,881,404,161.49
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(b) The amount of Principal Receivables in
the Trust represented by the Investor
Interest of Series 1996-A as of the end
of the day on the last day of the related
Monthly Period................................$ 500,000,000.00
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(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
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(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
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(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
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(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
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(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
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(h) The Floating Investor Percentage with
respect to the related Monthly Period......... 5.5549%
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(i) The Class A Floating Allocation with
respect to the related Monthly Period......... 85.50%
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(j) The Class B Floating Allocation with
respect to the related Monthly Period......... 6.50%
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(k) The Collateral Floating Allocation with
respect to the related Monthly Period......... 8.00%
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(l) The Fixed Investor Percentage with
respect to the related Monthly Period......... N/A
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(m) The Class A Fixed Allocation with respect
to the related Monthly Period................. N/A
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(n) The Class B Fixed Allocation with respect
to the related Monthly Period................. N/A
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(o) The Collateral Fixed Allocation with
respect to the related Monthly Period......... N/A
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3. Delinquent Balances
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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
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(a) 31 - 60 days $146,103,204.73 1.6240%
(b) 61 - 90 days $ 88,865,811.11 0.9878%
(c) 91 - or more days $161,473,774.19 1.7949%
Total....................... $396,442,790.03 4.4067%
4. Investor Default Amount
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(a) The Aggregate Investor Default Amount
for the related Monthly Period................$ 2,619,905.71
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(b) The Class A Investor Default Amount
for the related Monthly Period................$ 2,240,019.38
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(c) The Class B Investor Default Amount
for the related Monthly Period................$ 170,293.87
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(d) The Collateral Default Amount for
the related Monthly Period....................$ 209,592.46
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5. Investor Charge Offs
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(a) The aggregate amount of Class A
Investor Charge Offs for the related
Monthly Period................................$ 0.00
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(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
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(c) The aggregate amount of Class B
Investor Charge Offs for the related
Monthly Period................................$ 0.00
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(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
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(e) The aggregate amount of Collateral
Charge Offs for the related Monthly
Period........................................$ 0.00
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(f) The aggregate amount of Collateral
Charge Offs set forth in 5(e) above
per $1,000 of original certificate
principal amount..............................$ 0.00
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(g) The aggregate amount of Class A
Investor Charge Offs reimbursed on
the Transfer Date immediately preceding
this Distribution Date .......................$ 0.00
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(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
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(i) The aggregate amount of Class B
Investor Charge Offs reimbursed
on the Transfer Date immediately
preceding this Distribution Date .............$ 0.00
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(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
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(k) The aggregate amount of Collateral
Charge Offs reimbursed on the Transfer
Date immediately preceding this
Distribution Date.............................$ 0.00
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(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
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6. Investor Servicing Fee
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(a) The amount of the Class A Servicing
Fee payable by the Trust to the
Servicer for the related Monthly
Period.......................................$ 356,250.00
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(b) The amount of the Class B Servicing
Fee payable by the Trust to the
Servicer for the related Monthly
Period.......................................$ 27,083.33
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(c) The amount of the Collateral Servicing
Fee payable by the Trust to the
Servicer for the related Monthly Period.. ....$ 33,333.34
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(d) The amount of Servicer Interchange
payable by the Trust to the Servicer
for the related Monthly Period................$ 416,666.67
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7. Reallocations
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(a) The amount of Reallocated Collateral
Principal Collections with respect
to this Distribution Date....................$ 0.00
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(b) The amount of Reallocated Class B
Principal Collections with respect
to this Distribution Date....................$ 0.00
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(c) The Collateral Interest as of the
close of business on this Distribution
Date....................................... ...$ 40,000,000.00
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(d) The Class B Investor Interest as
of the close of business on this
Distribution Date.............................$ 32,500,000.00
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8. Collection of Finance Charge Receivables
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(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...........$ 6,999,540.87
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(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...................$ 532,128.85
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(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...........................$ 654,927.78
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9. Principal Funding Account
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(a) The principal amount on deposit in the
Principal Funding Account on the
related Transfer Date.........................$ 0.00
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(b) The Accumulation Shortfall with respect
to the related Monthly Period.................$ 0.00
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(c) The Principal Funding Investment
Proceeds deposited in the Finance
Charge Account on the related
Transfer Date.................................$ 0.00
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(d) The Principal Funding Investment
Shortfall.....................................$ 0.00
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(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
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10. Reserve Draw Amount...............................$ 0.00
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11. Available Funds
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(a) The amount of Class A Available
Funds on deposit in the Finance
Charge Account on the related
Transfer Date.................................$ 6,999,540.87
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(b) The amount of Class B Available
Funds on deposit in the Finance
Charge Account on the related
Transfer Date.................................$ 532,128.85
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(c) The amount of Collateral Available
Funds on deposit in the Finance
Charge Account on the related
Transfer Date.................................$ 654,927.78
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12. Portfolio Yield
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(a) The Portfolio Yield (Net) for the
related Monthly Period........................ 14.3600%
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(b) The Portfolio Adjusted Yield for
the related Monthly Period.................... 5.0780%
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C. Floating Rate Determinations
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1. LIBOR for the Interest Period ending on
this Distribution Date............................. 6.62000%
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2. Class A Certificate Rate........................... 6.75000%
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Class B Certificate Rate........................... 6.91000%
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BANK OF AMERICA NATIONAL ASSOCIATION
Transferor and Servicer
By: \s\ VICTORIA J. JAHANABANI
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Name: Victoria J. Jahanabani
Title: Vice President
