MONTHLY SERVICERS CERTIFICATE
SERVICER: NATIONSBANK, N.A.
NATIONSBANK AUTO TRUST 1995-A
Pursuant to the Pooling and Servicing Agreement, dated as of December 6, 1995 (as amended and supplemented, the
"Pooling and Servicing Agreement") between NationsBank, N.A., NationsBank of Georgia,N.A.
NationsBank of Florida, N.A., and NationsBank of Texas, N.A. (as "Sellers"); NationsBank N.A. (as "Servicer");
and Chemical Bank (as "Trustee"), the Servicer is required to prepare certain information each
month regarding distributions to Certificateholders' and the performance of the Trust. The information with
respect to the applicable Distribution Date and Due Period is set forth below.
Collection Period Sep-98
Determination Date 10/7/98
Deposit Date 10/14/98
Distribution Date 10/15/98
Pool Balance on the close of the last day of the preceding Collection Period 159,244,452.35
Less: Principal Collections 11,047,288.83
Purchase Amount allocable to Principal 17,165.54
Realized Losses 315,473.34
-----------------
Pool Balance on the close of the last day of the Collection Period 147,864,524.64
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 13.86035%
Class A Certificate Balance
Beginning Class A Certificate Balance 154,467,118.78
Class A Principal Distribution to Class A Distribution Account 11,038,529.88
-----------------
Ending Class A Certificate Balance 143,428,588.90
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 13.86035%
Class B Certificate Balance
Beginning Class B Certificate Balance 4,777,333.56
Class B Principal Distribution to Class B Distribution Account 341,397.83
-----------------
Ending Class B Certificate Balance 4,435,935.73
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 13.86035%
Class A Pass-Through Rate 5.8500%
Class B Pass-Through Rate 6.0000%
Class A Percentage 97.0000%
Class B Percentage 3.0000%
Available Interest
Collections and Liquidation Proceeds allocable to interest 1,380,821.62
Recoveries 147,792.79
Purchase Amount allocable to Interest 264.97
-----------------
Total Interest Collections 1,528,879.38
Advances for the related Distribution Date 268,533.06
Less: Outstanding Advances to be reimbursed 243,292.49
-----------------
Total Available Interest 1,554,119.95
Available Principal
Collections and Liquidation Proceeds allocable to Principal 11,047,288.83
Purchase Amount allocable to Principal 17,165.54
-----------------
Total Available Principal 11,064,454.37
Deposit to Certificate Account
Available Interest 1,554,119.95
Available Principal 11,064,454.37
Withdrawal from Reserve Account 0.00
Less: Basic Servicing Fee to be withheld from Collections 132,703.71
-----------------
Net Deposit to Certificate Account 12,485,870.61
Class A Interest Distribution
Class A Monthly Interest 753,027.20
Class A Interest Carryover Shortfall 0.00
-----------------
Total 753,027.20
Class B Interest Distribution
Class B Monthly Interest 23,886.67
Class B Interest Carryover Shortfall 0.00
-----------------
Total 23,886.67
Class A Principal Distribution
Class A Monthly Principal 11,038,529.88
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 11,038,529.88
Class B Principal Distribution
Class B Monthly Principal 341,397.83
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 341,397.83
Basic Servicing Fee (inc. unpaid amount from prior periods) 132,703.71
Distributions to the extent of Available Interest and Available Reserve Amount
(and Class B Percentage of Available Principal with respect to Class A Interest Distribution)
Unpaid Basic Servicing Fee to Servicer 132,703.71
Class A Interest Distribution to Class A Distribution Account 753,027.20
Class B Interest Distribution to Class B Distribution Account 23,886.67
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution Account 11,038,529.88
Class B Principal Distribution to Class B Distribution Account 341,397.83
To Reserve Account up to Specified Reserve Account Balance 15,101.37
Any Remaining Amounts to Sellers 313,927.66
Specified Reserve Account Balance 13,335,210.08
Greater of:
(a) Reserve percentage applicable 5.00%
Pool Balance on last day of Collection Period times reserve
percentage applicable 7,393,226.23
(b) Lesser of: Deposit from Available Interest and Available Principal
(i) floor amount stated or 13,335,210.08
(ii) Pool Balance on last day of Collection Period
plus interest through Scheduled Distribution Date 185,268,219.34
Specified Reserve Account Balance 13,335,210.08
Reserve Account
Beginning Balance 13,335,210.08
Deposit from Available Interest and Available Principal 15,101.37
Investment Earnings 54,363.82
Less: Withdrawal from Reserve Account and deposit to Certificate
Account to cover:
Accrued and unpaid Basic Servicing Fees 0.00
Amounts to be distributed to Certificateholders' 0.00
Reimb. to Servicer for Outstanding Advances associated with 15,101.37
Defaulted Accounts
Less: Withdrawal by Sellers of Excess of Reserve Account Balance Over
Specified Reserve Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 54,363.82
-----------------
Ending Balance 13,335,210.08
=================
Available Reserve Account Balance 13,335,210.08
Realized Losses 315,473.34
Net Loss Ratio (annualized)
For the current Collection Period 1.31%
For the preceding Collection Period 1.77%
For the second preceding Collection Period 1.58%
Average Net Loss Ratio (Specified Reserve Account Balance increases if greater than 1.50%) 1.55%
Delinquency Analysis
Number of Loans
30 to 59 days past due 925
60 to 89 days past due 258
90 or more days past due 179
-----------------
Total 1,362
Principal Balance
30 to 59 days past due 5,847,650.11
60 to 89 days past due 1,642,609.72
90 or more days past due 1,249,977.34
-----------------
Total 8,740,237.17
Delinquency Ratio
For the current Collection Period 1.96%
For the preceding Collection Period 1.73%
For the second preceding Collection Period 1.51%
Average Delinquency Ratio (Specified Reserve Account Balance increases if greater
than 1.25%) 1.73%
Collateral Repossessed and Held by the Trust
Number 73
Principal Balance 442,147.65
Weighted Average Computations
Weighted Average Coupon 10.66200%
Weighted Average Original Term 62.27
Weighted Average Remaining Term 20.84