MONTHLY SERVICERCERTIFICATE (This represents Series 1999-C only) MONTHLY PERIOD ENDING October 31, 2004 Bank of America, National Association (USA) _________________________________________________ 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 Monthly Periodshall mean the Monthly Period immediately preceding the calendar month in which this 2. Bank of America, National Association (USA) 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) $1,088,756,825.75 ----------------- 6. The Aggregate Investor Percentage of Receivables processed by the Servicer during the preceding Monthly Period was equal to $ 75,811,697.05 ----------------- 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) $ 6,422,361.62 ----------------- 8. The aggregate amount of Receivables processed by the Servicer as of the end of the last day of the preceding Monthly Period $1,063,247,833.80 ----------------- 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 $ 7,549,293.93 ----------------- 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 $ 71,585,123.28 ----------------- 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 $ 71,585,123.28 ----------------- 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 $ 93,038.35 ----------------- 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 $ 1,033,893.97 ----------------- 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 $ 945,564.59 ----------------- the succeeding Distribution Date with respect to Certificate Interest 17. The aggregate amount of Default Amounts processed by the Servicer as of the end of the last day of the preceding Monthly Period $ 31,894,370.11 ----------------- 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 15th day of November, 2004 BANK OF AMERICA, NATIONAL ASSOCIATION (USA) TRANSFEROR AND SERVICER By: /s/ Brian P. Sterling ----------------------------- Name: Brian P. Sterling ----------------------------- Title: Vice President -------------------------