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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
______________________
FORM 10-K
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 1999
Commission file number 33-69572
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Bank of America, National Association (U.S.A) (as Servicer and on behalf of
the NationsBank Credit Card Master Trust)
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(Exact name of registrant as specified in its charter)
United States of America 51-0313900
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(State or other jurisdiction (IRS Employer
of incorporation or organization) Identification No.)
Blue Hen Corporate Center, Route 13, Dover, Delaware 19901
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code (302) 672-4321
Securities registered pursuant to Section 12(b) of the Act: None.
Securities registered pursuant to Section 12(g) of the Act: None.
Indicate by check mark whether the registrant: (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days. Yes [X] No [ ]
Indicate by check mark if disclosure of delinquent filers pursuant to Item 405
of Regulation S-K is not contained herein, and will not be contained, to the
best of registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this
Form 10-K. [X]
State the aggregate market value of the voting stock held by non-affiliates of
the registrant. None.
Indicate the number of shares outstanding of the registrant's classes of common
stock, as of the latest practicable date. None.
Documents Incorporated by Reference. None.
PART I
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Item 1. Business
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Not applicable.
Item 2. Properties
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Not applicable.
Item 3. Legal Proceedings
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There are no material pending legal proceedings with respect to
NationsBank Credit Card Master Trust (the "Trust") involving the
Trust, The Bank of New York, as Trustee, or Bank of America,
National Association (U.S.A.), as Servicer, other than ordinary
routine litigation incidental to the Trust assets or the Trustee's
or the Servicer's duties under the applicable Pooling and Servicing
Agreement.
Item 4. Submission of Matters to a Vote of Security Holders
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None.
PART II
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Item 5. Market for the Registrant's Common Equity and Related Stockholder
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Matters
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(a) Market Information. There is no established public trading
market for the Certificates.
(b) Holders. Since each of the Certificates was issued in book
entry form only, there is only one holder of record of each
Series of Certificates. See Item 12 below.
(c) Dividends. Not applicable.
Item 6. Selected Financial Data
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Not applicable.
Item 7. Management's Discussion and Analysis of Financial Condition and
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Results of Operations
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Not applicable.
Item 8. Financial Statements and Supplementary Data
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Not applicable.
Item 9. Changes in and Disagreements with Accountants on Accounting and
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Financial Disclosure
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None.
PART III
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Item 10. Directors and Executive Officers of the Registrant
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Not applicable.
Item 11. Executive Compensation
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Not applicable.
Item 12. Security Ownership of Certain Beneficial Owners and Management
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The Certificates are represented by one or more certificates
registered in the name of Cede & Co., the nominee of The Depository
Trust Company ("DTC"). An investor holding an interest in the Trust
is not entitled to receive a certificate representing such interest
except in limited circumstances. Accordingly, Cede & Co. is the sole
holder of record of the Certificates, which it holds on behalf of
brokers, dealers, banks and other participants in the DTC system.
Such participants may hold certificates for their own accounts or
for the accounts of their customers. The address of Cede & Co. is:
Cede & Co.
c/o The Depository Trust Company
Attention: Proxy Department
Seven Hanover Square
New York, New York 10004
Item 13. Certain Relationships and Related Transactions
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There has not been, and there is not currently proposed, any
transaction or series of transactions, to which either the Trust or
Bank of America, National Association (U.S.A.), as Servicer, is a
party with any Certificateholder, or any member of the immediate
family of any such Certificateholder, who, to the knowledge of
the Servicer, owns of record or beneficially more than five percent
of the Certificates.
PART IV
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Item 14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K
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(a) 1. Not applicable.
2. Not applicable.
3. Exhibits:
99.1 Annual Servicer's Certificate
99.2 Report of Independent Accountants
(b) Reports on Form 8-K.
As Servicer and on behalf of the NationsBank Credit Card
Master Trust, Bank of America, National Association (U.S.A.)
filed a Current Report on Form 8-K pursuant to Items 5 and 7
for the following monthly distribution dates during 1999,
including the Certificateholder's Statements for each due
period provided to The Bank of New York, as Trustee.
Dates of Reports on Form 8-K
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January 15, 1999
February 15, 1999
March 15, 1999
April 15, 1999
May 17, 1999
June 15, 1999
July 15, 1999
August 16, 1999
September 15, 1999
October 15, 1999
November 15, 1999
December 15, 1999
(c) The exhibits filed as part of this report are listed in the
Index to Exhibits on page 5.
(d) Not applicable.
SIGNATURE
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, as amended, the registrant has duly caused this report to be signed
on its behalf by the undersigned, thereunto duly authorized.
Bank of America, National Association (U.S.A.),
as Servicer and on behalf of
NationsBank Credit Card Master Trust
By: /s/ David M. Belk
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David M. Belk
Senior Vice President
(Duly Authorized Officer)
Date: 3/30/2000
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