MONTHLY SERVICERCERTIFICATE
(This represents Series 2001-A only)
MONTHLY PERIOD ENDING October 31, 2004
Bank of America, National Association (USA)
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BA MASTER CREDIT CARD TRUST
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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
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6. The Aggregate Investor Percentage of Receivables processed by the Servicer during the
preceding Monthly Period was equal to $ 121,298,502.62
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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) $ 10,275,760.59
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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
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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 $ 12,078,849.13
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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 $ 114,535,996.45
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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
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12. The Aggregate Investor Percentage of Collections of Principal Receivables processed by the
Servicer during the related Monthly Period is equal to $ 114,535,996.45
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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 $ 148,861.09
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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 $ 1,654,227.45
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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
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16. The aggregate amount of all sums payable to the Investor Certificateholder of each Series
on the succeeding Distribution Date with respect to Certificate Interest $ 1,425,242.22
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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
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18. To the knowledge of the undersigned, there are no Liens on any Receivables in the Trust
except as described below:
None
<FN>
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
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Name: Brian P. Sterling
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Title: Vice President
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