AGREEMENT This Agreement dated June 30, 1999 (the "Agreement"), is between Amadeo, Inc., a Delaware corporation ("Amadeo") and Amadeo Trust, a New York trust ("Trust"). WHEREAS, Amadeo is the owner of the following securities issued by Bank of America...

                                                                       Exhibit 9

                                    AGREEMENT


      This Agreement dated June 30, 1999 (the  "Agreement"),  is between Xxxxxx,
Inc.,  a Delaware  corporation  ("Xxxxxx")  and Xxxxxx  Trust,  a New York trust
("Trust").

      WHEREAS, Xxxxxx is the owner of the following securities issued by Bank of
America Auto Owner Trust 1999-A:

            $2,750,000,000 initial principal balance of the 5.305% Class A-1
               Asset-Backed Notes;

            $2,904,000,000 initial principal balance of the 5.854% Class A-2
               Asset-Backed Notes,

            $2,410,000,000 initial principal balance of the 6.410% Class A-3
               Asset-Backed Notes,

            $508,231,929 initial principal balance of the 6.540% Class A-4
               Asset-Backed Notes (collectively, the "NOTES"),

            $385,168,206 initial principal balance of 6.930% Class B
               Asset-Backed Certificates (the "CERTIFICATE"); and

            the Residual Certificate (the Notes, Certificate and Residual
               Certificate, collectively, the "SECURITIES"); and

      WHEREAS,  Xxxxxx  desires to  contribute  the  Securities  to the Trust in
exchange for 9,000,000  Units of the Trust,  representing  100% of the undivided
fractional interests in the Trust;

      NOW,  THEREFORE,  in consideration  of the premises herein,  and for other
good and  valuable  consideration,  the receipt and adequacy of which are hereby
acknowledged, the parties hereto hereby agree as follows:

      Section 1.  Capitalized  terms used in this  Agreement  and not  otherwise
defined have the same meanings assigned to such terms in the Trust Indenture and
Agreement dated June 30, 1999 among  NationsBank,  N.A., as trustee,  Xxxxxx, as
depositor, and NationsBank, N.A., in its individual capacity.

      Section  2.  Xxxxxx  hereby  conveys  free  and  clear  fee  title  to the
Securities to the Trust, free and clear of all liens, encumbrances and any other
interests.

      Section 3. Xxxxxx represents that it is acquiring the Units for investment
purposes and not with a view to sale or public distribution.





      Section 4. THIS  AGREEMENT  SHALL BE  GOVERNED  BY, AND BE  CONSTRUED  AND
INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

      IN WITNESS  WHEREOF,  this  Agreement has been duly executed as of the day
and year first above written.


                                    XXXXXX, INC.



                                    By: /s/ Xxxxxxxx X. Xxxxx
                                       -----------------------------------------
                                       Name: Xxxxxxxx X. Xxxxx
                                       Title: President


                                    XXXXXX TRUST

                                    By: NationsBank, N.A., Trustee

                                    By: /s/ Xxxxxxx X. Xxxxxxxxxxx
                                       -----------------------------------------
                                       Name: Xxxxxxx X. Xxxxxxxxxxx
                                       Title: Vice President



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