BA MASTER CREDIT CARD TRUST /
8-K, EX-20.21, 2000-09-29
ASSET-BACKED SECURITIES
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                         MONTHLY SERVICER'S CERTIFICATE
                         ------------------------------
                      (This represents Series 1999-C only)

                      Monthly Period Ending AUGUST 31, 2000
                                            ----------------
                      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)............$ 1,480,384,363.35
                                                                ----------------
                  6. The Aggregate Investor Percentage of
Receivables processed by the Servicer during the preceding
Monthly Period was equal to....................................$  81,052,987.35
                                                                ----------------

                  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).............$   7,942,322.99
                                                               ----------------

                  8. The aggregate amount of Receivables
processed by the Servicer as of the end of the last day
of the preceding Monthly Period...............................$ 1,463,684,400.37
                                                                ----------------

                  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 ........................................................$   8,665,847.96
                                                                ----------------

                  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.........................................................$  74,076,652.42
                                                                ----------------

                  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.......................................................$  74,076,652.42
                                                                ----------------

                  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.......................................................$      164,457.18
                                                                ----------------

                  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.................$      559,567.79
                                                                ----------------

                  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........................................$    2,990,165.27
                                                                ----------------

                  17. The aggregate amount of Default
Amounts processed by the Servicer as of the end of the
last day of the preceding Monthly Period.......................$   44,524,242.12
                                                                ----------------

                  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 12th day of September, 2000.
                                --------------------------

                                     BANK OF AMERICA NATIONAL ASSOCIATION

                                     Transferor and Servicer

                                     By:  /s/ VICTORIA J. JAHANABANI
                                          -----------------------------
                                          Name:  Victoria J. Jahanabani
                                          Title: Vice President



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