SERIES 1998-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 1998-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
1998-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
1998-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 1998-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 The aggregate amount to be withdrawn from the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.......................$ 199,237.50
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(iii)Collateral Interest Holder.......................$ 302,066.67
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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 ......................$ 199,237.50
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(iii)Collateral Interest Holder.......................$ 302,066.67
--------------

14. To the knowledge of the undersigned, no Series
1998-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