EXHIBIT-99
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 Nov-98
Determination Date 12/08/1998
Deposit Date 12/14/1998
Distribution Date 12/15/1998
Pool Balance on the close of the last day of the preceding Collection Period 136,539,095.24
Less: Principal Collections 10,417,241.72
Purchase Amount allocable to Principal 0.00
Realized Losses 662,634.22
-----------------
Pool Balance on the close of the last day of the Collection Period 125,459,219.30
=================
Original Pool Balance 1,066,816,806.33
Pool Factor 11.76015%
Class A Certificate Balance
Beginning Class A Certificate Balance 132,442,922.38
Class A Principal Distribution to Class A Distribution Account 10,747,479.66
-----------------
Ending Class A Certificate Balance 121,695,442.72
Original Class A Certificate Balance 1,034,812,302.14
Class A Pool Factor 11.76015%
Class B Certificate Balance
Beginning Class B Certificate Balance 4,096,172.85
Class B Principal Distribution to Class B Distribution Account 332,396.28
-----------------
Ending Class B Certificate Balance 3,763,776.57
Original Class B Certificate Balance 32,004,504.19
Class B Pool Factor 11.76015%
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 1,150,889.52
Recoveries 135,137.31
Purchase Amount allocable to Interest 0.00
-----------------
Total Interest Collections 1,286,026.83
Advances for the related Distribution Date 242,174.22
Less: Outstanding Advances to be reimbursed 188,925.70
-----------------
Total Available Interest 1,339,275.35
Available Principal
Collections and Liquidation Proceeds allocable to Principal 10,417,241.72
Purchase Amount allocable to Principal 0.00
-----------------
Total Available Principal 10,417,241.72
Deposit to Certificate Account
Available Interest 1,339,275.35
Available Principal 10,417,241.72
Withdrawal from Reserve Account 103,281.56
Less: Basic Servicing Fee to be withheld from Collections 113,782.58
-----------------
Net Deposit to Certificate Account 11,746,016.05
Class A Interest Distribution
Class A Monthly Interest 645,659.25
Class A Interest Carryover Shortfall 0.00
-----------------
Total 645,659.25
Class B Interest Distribution
Class B Monthly Interest 20,480.86
Class B Interest Carryover Shortfall 0.00
-----------------
Total 20,480.86
Class A Principal Distribution
Class A Monthly Principal 10,747,479.66
Class A Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 10,747,479.66
Class B Principal Distribution
Class B Monthly Principal 332,396.28
Class B Principal Carryover Shortfall from the preceding
Distribution Date 0.00
-----------------
Total 332,396.28
Basic Servicing Fee (inc. unpaid amount from prior periods) 113,782.58
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 113,782.58
Class A Interest Distribution to Class A Distribution Account 645,659.25
Class B Interest Distribution to Class B Distribution Account 20,480.86
Distributions of Available Principal, Remaining Available Interest
and Remaining Available Reserve Amount
Class A Principal Distribution to Class A Distribution Account 10,747,479.66
Class B Principal Distribution to Class B Distribution Account 332,396.28
To Reserve Account up to Specified Reserve Account Balance 0.00
Any Remaining Amounts to Sellers 0.00
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 6,272,960.97
(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 155,734,531.11
Specified Reserve Account Balance 13,335,210.08
Reserve Account
Beginning Balance 13,311,969.20
Deposit from Available Interest and Available Principal 0.00
Investment Earnings 49,171.35
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' 103,281.56
Reimb. to Servicer for Outstanding Advances associated with
Defaulted Accounts 25,109.14
Less: Withdrawal by Sellers of Excess of Reserve Account Balance Over
Specified Reserve Account Balance 0.00
Less: Withdrawal of Investment Earnings by Servicer 0.00
-----------------
Ending Balance 13,232,749.85
=================
Available Reserve Account Balance 13,311,969.20
Realized Losses 662,634.22
Net Loss Ratio (annualized)
For the current Collection Period 4.83%
For the preceding Collection Period 4.33%
For the second preceding Collection Period 1.31%
Average Net Loss Ratio (Specified Reserve Account Balance increases if greater than 1.50%) 3.49%
Delinquency Analysis
Number of Loans
30 to 59 days past due 991
60 to 89 days past due 282
90 or more days past due 123
-----------------
Total 1,396
Principal Balance
30 to 59 days past due 5,875,775.87
60 to 89 days past due 1,682,136.33
90 or more days past due 812,072.35
-----------------
Total 8,369,984.55
Delinquency Ratio
For the current Collection Period 1.99%
For the preceding Collection Period 1.88%
For the second preceding Collection Period 1.96%
Average Delinquency Ratio (Specified Reserve Account Balance increases if greater
than 1.25%) 1.94%
Collateral Repossessed and Held by the Trust
Number 59
Principal Balance 423,750.35
Weighted Average Computations
Weighted Average Coupon 10.67330%
Weighted Average Original Term 62.60
Weighted Average Remaining Term 19.40
<FN>
Note: Contemporaneous with the merger of NationsBank Corporation and BankAmerica Corporation, NationsBank
changed the
timing of recognition of charge-offs on delinquent automobile loans in order to standardize its
policy. The effect of this
change is that delinquent automobile loans will be charged off at 120 days past due. Recoveries will
be realized upon receipt
of liquidation proceeds. The estimated impact of this change is increased charge-offs of
approximately $243,000.00 in
November 1998.