SERIES 1997-A SCHEDULE TO MONTHLY SERVICERS

Published on April 30, 2001


SCHEDULE TO MONTHLY SERVICER'S CERTIFICATE
MONTHLY PERIOD ENDING MARCH 31, 2001
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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................$103,744,805.40
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2. The aggregate amount of the Investor Percentage
of Collections of Finance Charge Receivables
(excluding Interchange)................................$ 12,231,750.65
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3. The aggregate amount of the Investor Percentage
of Interchange.........................................$ 626,464.33
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4. The aggregate amount of Servicer Interchange...........$ 625,000.00
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5. The aggregate amount of funds on deposit in
Finance Charge Account allocable to the Series
1997-A Certificates................................... $ 12,233,214.98
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6. The aggregate amount of funds on deposit in
the Principal Account allocable to the Series
1997-A Certificates..................................$ 103,744,805.40
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7. The aggregate amount of funds on deposit in
the Principal Funding Account allocable to
the Series 1997-A Certificates.........................$ 0.00
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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 The aggregate amount to be withdrawn from the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
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9. The excess, if any, of the Required Collateral
Interest over the Collateral Interest..................$ 0.00
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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
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11. The amount of Monthly Interest, Deficiency
Amounts and Additional Interest payable to the

(i) Class A Certificateholders.........................$ 3,041,195.83
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(ii) Class B Certificateholders.........................$ 199,970.83
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(iii)Collateral Interest Holder.........................$ 299,400.00
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12. The amount of principal payable to the
(i) Class A Certificateholders........................$ 0.00
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(ii) Class B Certificateholders........................$ 0.00
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(iii)Collateral Interest Holder........................$ 0.00
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13. The sum of all amounts payable to the
(i) Class A Certificateholders........................$ 3,041,195.83
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(ii) Class B Certificateholders .......................$ 199,970.83
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(iii)Collateral Interest Holder........................$ 299,400.00
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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.
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BANK OF AMERICA NATIONAL ASSOCIATION

Transferor and Servicer


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