UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 DATE OF REPORT (DATE OF EARLIEST EVENT REPORTED): APRIL 15, 2001 BANK OF AMERICA, NATIONAL ASSOCIATION (U.S.A.) ---------------------------------------------- (EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER) (ORIGINATOR OF THE NATIONSBANK CREDIT CARD MASTER TRUST) UNITED STATES 33-69572 51-0313900 -------------- -------- ---------- (STATE OR OTHER (COMMISSION FILE (I.R.S. EMPLOYER JURISDICTION OF NUMBER) IDENTIFICATION NO.) INCORPORATION 1825 EAST BUCKEYE ROAD PHOENIX, ARIZONA 85034 (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) ---------------------------------------- REGISTRANT'S TELEPHONE NUMBER INCLUDING AREA CODE: (704) 386-4103 PAGE 1 OF 17 EXHIBIT INDEX APPEARS ON PAGE 4 ITEM 5. OTHER EVENTS ------------- THE REGISTRANT HEREBY INCORPORATES BY REFERENCE THE INFORMATION CONTAINED IN EXHIBIT 99 HERETO IN RESPONSE TO THIS ITEM 5. ITEM 7. FINANCIAL STATEMENTS, PRO FORMA FINANCIAL STATEMENTS AND EXHIBITS ------------------------------------------------------------------- (C) EXHIBITS 99A MONTHLY CERTIFICATEHOLDER'S STATEMENT -- NATIONSBANK CREDIT CARD MASTER TRUST $500,000,000 CLASS A 6.0% ASSET BACKED CERTIFICATES, SERIES 1993-2 99B MONTHLY CERTIFICATEHOLDER'S STATEMENT -- NATIONSBANK CREDIT CARD MASTER TRUST $31,915,000 CLASS B 6.25% ASSET BACKED CERTIFICATES, SERIES 1993-2 99E MONTHLY CERTIFICATEHOLDER'S STATEMENT -- NATIONSBANK CREDIT CARD MASTER TRUST $756,000,000 CLASS A 5.29375% ASSET BACKED CERTIFICATES, SERIES 1996-1 99F MONTHLY CERTIFICATEHOLDER'S STATEMENT -- NATIONSBANK CREDIT CARD MASTER TRUST $58,500,000 CLASS B 5.42375% ASSET BACKED CERTIFICATES, SERIES 1996-1 PAGE 2 OF 17 SIGNATURES PURSUANT TO THE REQUIREMENTS OF THE SECURITIES EXCHANGE ACT OF 1934, THE REGISTRANT HAS DULY CAUSED THIS REPORT TO BE SIGNED ON ITS BEHALF BY THE UNDERSIGNED HEREUNTO DULY AUTHORIZED. BANK OF AMERICA, NATIONAL ASSOCIATION (USA) ------------------------------------------- (REGISTRANT) DATED: APRIL 15, 2001 BY: /S/ VICTORIA J. JAHANBANI ---------------- ---------------------------- NAME: VICTORIA J. JAHANBANI TITLE: VICE PRESIDENT (DULY AUTHORIZED OFFICER) PAGE 3 OF 17 SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBIT PAGE - ------ ------- ---- 99A MONTHLY CERTIFICATEHOLDER'S STATEMENT -- EXHIBIT 99 NATIONSBANK CREDIT CARD MASTER TRUST A & B $500,000,000 CLASS A 6.0% ASSET BACKED 5 - 10 CERTIFICATES, SERIES 1993-2 99B MONTHLY CERTIFICATEHOLDER'S STATEMENT -- EXHIBIT 99 NATIONSBANK CREDIT CARD MASTER TRUST A & B $31,915,000 CLASS B 6.25% ASSET BACKED 5 - 10 CERTIFICATES, SERIES 1993-2 99E MONTHLY CERTIFICATEHOLDER'S STATEMENT -- EXHIBIT 99 NATIONSBANK CREDIT CARD MASTER TRUST F, G, & H $756,000,000 CLASS A 5.29375% ASSET BACKED 11 - 17 CERTIFICATES, SERIES 1996-1 99F MONTHLY CERTIFICATEHOLDER'S STATEMENT -- EXHIBIT 99 NATIONSBANK CREDIT CARD MASTER TRUST F, G, & H $58,500,000 CLASS B 5.42375% ASSET BACKED 11 - 17 CERTIFICATES, SERIES 1996-1 PAGE 4 OF 17