SCHEDULE TO MONTHLY SERVICER'S CERTIFICATE
                      MONTHLY PERIOD ENDING MARCH 31, 2001
                                            ----------------
                      BANK OF AMERICA NATIONAL ASSOCIATION
                    BA MASTER CREDIT CARD TRUST SERIES 1997-A


      1.  The aggregate amount of the Investor Percentage
          of Collections of Principal Receivables................$103,744,805.40
                                                                  --------------

      2.  The aggregate amount of the Investor Percentage
          of Collections of Finance Charge Receivables
          (excluding Interchange)................................$ 12,231,750.65
                                                                  --------------

      3.  The aggregate amount of the Investor Percentage
          of Interchange.........................................$    626,464.33
                                                                  --------------

      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
          1997-A Certificates................................... $ 12,233,214.98
                                                                  --------------

      6.  The aggregate amount of funds on deposit in
          the Principal Account allocable to the Series
          1997-A  Certificates..................................$ 103,744,805.40
                                                                  --------------

      7.  The aggregate amount of funds on deposit in
          the Principal Funding Account allocable to
          the Series 1997-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  The aggregate amount to be withdrawn from the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.........................$ 3,041,195.83
                                                                 --------------

         (ii) Class B Certificateholders.........................$   199,970.83
                                                                 --------------

         (iii)Collateral Interest Holder.........................$   299,400.00
                                                                 --------------

     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........................$  3,041,195.83
                                                                 --------------

         (ii) Class B Certificateholders .......................$    199,970.83
                                                                 --------------

         (iii)Collateral Interest Holder........................$    299,400.00
                                                                 --------------

     14. To the knowledge of the undersigned, no Series
         1997-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 April, 2001.
                                              --------------------------

                                 BANK OF AMERICA NATIONAL ASSOCIATION

                                 Transferor and Servicer


                                 By:  /s/ VICTORIA J. JAHANBANI
                                      --------------------------------------
                                      Name:  Victoria J. Jahanbani
                                      Title: Vice President