Exhibit 4.5

                                            BA CREDIT CARD FUNDING, LLC

                                                    Transferor

                                      FIA CARD SERVICES, NATIONAL ASSOCIATION

                                                     Servicer

                                                        and

                                            THE BANK OF NEW YORK MELLON

                                                      Trustee

                                 on behalf of the Series 2001-B Certificateholders

                                _____________________________________________________


                                   AMENDED AND RESTATED SERIES 2001-B SUPPLEMENT

                                             Dated as of March 2, 2009

                                                        to

                                            SECOND AMENDED AND RESTATED

                                          POOLING AND SERVICING AGREEMENT

                                           Dated as of October 20, 2006


                                _____________________________________________________

                                          BA MASTER CREDIT CARD TRUST II

                                                   SERIES 2001-B









                                                 TABLE OF CONTENTS
                                                                                                               Page

SECTION 1.            Designation................................................................................1

SECTION 2.            Definitions................................................................................2

SECTION 3.            Servicing Compensation and Assignment of Interchange......................................20

SECTION 4.            Reassignment and Transfer Terms...........................................................21

SECTION 5.            Delivery of the Class D Certificate.......................................................22

SECTION 6.            Form of Delivery of the Certificates; Depository; Denominations...........................22

SECTION 7.            Article IV of the Agreement...............................................................22

SECTION 8.            Article V of the Agreement................................................................43

SECTION 9.            Series 2001-B Pay Out Events..............................................................45

SECTION 10.           Series 2001-B Termination.................................................................47

SECTION 11.           Periodic Finance Charges and Other Fees...................................................47

SECTION 12.           Limitations on Addition of Accounts.......................................................47

SECTION 13.           Counterparts..............................................................................47

SECTION 14.           Governing Law; Submission to Jurisdiction; Agent for Service of Process...................47

SECTION 15.           Additional Notices........................................................................48

SECTION 16.           Additional Representations and Warranties of the Servicer.................................48

SECTION 17.           No Petition...............................................................................48

SECTION 18.           Certain Tax Related Amendments............................................................48

SECTION 19.           Transfers of the Collateral Interest......................................................49

SECTION 20.           Uncertificated Securities.................................................................50

SECTION 21.           Transfers of the Class D Certificate......................................................50




EXHIBITS

EXHIBIT A-1                Form of Class A Certificate

EXHIBIT A-2                Form of Class B Certificate

EXHIBIT A-3                Form of Class D Certificate

EXHIBIT B                  Form of Monthly Payment Instructions And Notification to the
                           Trustee

                                                        -i-






                                                 TABLE OF CONTENTS
                                                     (continued)                                               Page


EXHIBIT C                  Form of Monthly Series 2001-B Certificateholders' Statement

EXHIBIT D                  Form of Collateral Interest Investment Letter


SCHEDULE 1

Schedule to the Exhibit C of the Pooling and Servicing Agreement


                                                        -ii-








                  AMENDED AND RESTATED SERIES 2001-B SUPPLEMENT, dated as of March 2, 2009 (this "Series
Supplement"), by and among FIA CARD SERVICES, NATIONAL ASSOCIATION, a national banking association ("FIA"), as
Servicer, BA CREDIT CARD FUNDING, LLC, a Delaware limited liability company ("Funding"), as Transferor, and THE
BANK OF NEW YORK MELLON (formerly known as The Bank of New York) (the "Trustee"), as Trustee under the Second
Amended and Restated Pooling and Servicing Agreement, dated as of October 20, 2006, among FIA, as Servicer,
Funding, as Transferor, and the Trustee, as amended and supplemented from time to time (the "Agreement").

                  WHEREAS, the Trustee and MBNA America Bank, National Association ("MBNA") (as the predecessor
to FIA) have heretofore executed and delivered a Series 2001-B Supplement, dated as of March 8, 2001 (as amended,
supplemented or otherwise modified prior to March 2, 2009, the "Original Series 2001-B Supplement"); and

                  WHEREAS, the parties hereto desire to amend and restate in its entirety the Original Series
2001-B Supplement to, among other things, provide for the issuance of the Class D Certificate (as defined below).

                  NOW, THEREFORE, in consideration of the promises and the agreements contained herein, the
Original Series 2001-B Supplement is hereby amended and restated in its entirety as follows:

                  Section 6.09 of the Agreement provides, among other things, that the Transferor and the Trustee
may at any time and from time to time enter into a supplement to the Agreement for the purpose of authorizing the
delivery by the Trustee to the Transferor for the execution and redelivery to the Trustee for authentication of
one or more Series of Certificates.

                  Pursuant to the Original Series 2001-B Supplement, MBNA, as seller and predecessor to the
Transferor, and the Trustee created a Series of Investor Certificates consisting of the Class A Certificates, the
Class B Certificates and the Collateral Interest, and this Series Supplement shall specify the Principal Terms
thereof and of the Class D Certificate.

                  SECTION 1.          Designation.  (a) The Series created pursuant to the Original Series 2001-B
Supplement consists of Investor Certificates issued in two classes pursuant to the Agreement and the Original
Series 2001- B Supplement and known together as the "Series 2001-B Certificates."  The two classes are designated
the Class A Floating Rate Asset Backed Certificates, Series 2001-B (the "Class A Certificates") and the Class B
Floating Rate Asset Backed Certificates, Series 2001-B (the "Class B Certificates").  The Class A Certificates
and the Class B Certificates are substantially in the form of Exhibits A-1 and A-2 hereto, respectively.  In
addition, a third Class of an uncertificated interest in the Trust was created, which is deemed to be an
"Investor Certificate" for all purposes under the Agreement and this Series Supplement, except as expressly
provided herein, and which is known as the Collateral Interest, Series 2001-B (the "Collateral Interest").  In
addition, there is hereby created a fourth Class of Investor Certificates which shall be known as the Class D
Certificate, Series 2001-B (the "Class D Certificate," and together with the Class A Certificates and the Class B
Certificates, the "Series








2001-B Certificates").  The Class D Certificate shall be issued as one definitive certificate substantially in
the form of Exhibit A-3 hereto.

                  (b)      Series 2001-B is included in Group One (as defined below).  Series 2001-B is not
subordinated to any other Series.

                  (c)      The Collateral Interest Holder, as holder of an "Investor Certificate" under the
Agreement, is entitled to the benefits of the Agreement and this Series Supplement.  Notwithstanding the
foregoing, except as expressly provided herein, (i) the provisions of Article VI and Article XII of the Agreement
relating to the registration, authentication, delivery, presentation, cancellation and surrender of Registered
Certificates and the opinion described in subsection 6.09(b)(d)(i) and clauses (a) and (c) of the definition of
Tax Opinion in Section 1.01 of the Agreement do not apply to the Collateral Interest, and (ii) the provisions of
Section 3.07 of the Agreement do not apply to cause the Collateral Interest to be treated as debt for federal,
state and local income and franchise tax purposes, but rather the Transferor intends and, together with the
Collateral Interest Holder, agrees to treat the Collateral Interest for federal, state and local income and
franchise tax purposes as representing an equity interest in the assets of the Trust.

                  (d)      The Class D Certificateholder, as holder of an Investor Certificate under the
Agreement, shall be entitled to the benefits of the Agreement and this Supplement.  Notwithstanding the
foregoing, except as expressly provided herein, (i) the provisions of Article VI and Article XII of the Agreement
relating to the registration, authentication, delivery, presentation, cancellation and surrender of Registered
Certificates and the opinion described in Section 6.09(b)(d)(i) and clauses (a) and (c) of the definition of Tax
Opinion in Section 1.01 of the Agreement shall not be applicable to the Class D Certificate, and (ii) the
provisions of Section 3.07 of the Agreement do not apply to cause the Class D Certificate to be treated as debt
for federal, state and local income and franchise tax purposes, but rather the Transferor intends and, together
with the Class D Certificateholder, agrees to treat the Class D Certificate for federal, state and local income
and franchise tax purposes as representing an equity interest in the assets of the Trust.

                  SECTION 2.          Definitions.

                  In the event that any term or provision contained herein shall conflict with or be inconsistent
with any provision contained in the Agreement, the terms and provisions of this Series Supplement shall govern.
All Article, Section or subsection references herein shall mean Articles, Sections or subsections of the
Agreement, except as otherwise provided herein.  All capitalized terms not otherwise defined herein are defined
in the Agreement.  Each capitalized term defined herein shall relate only to the Investor Certificates and no
other Series of Certificates issued by the Trust.

                  "Accumulation Period" shall mean, solely for the purposes of the definition of Group One
Monthly Principal Payment as such term is defined in each Supplement relating to Group One, the Controlled
Accumulation Period.

                                                        2






                  "Accumulation Period Factor" shall mean, for each Monthly Period, a fraction, the numerator of
which is equal to the sum of the initial investor interests of all outstanding Series, and the denominator of
which is equal to the sum of (a) the Initial Investor Interest, (b) the initial investor interests of all
outstanding Series (other than Series 2001-B) which are not expected to be in their revolving periods, and (c)
the initial investor interests of all other outstanding Series which are not allocating Shared Principal
Collections to other Series and are in their revolving periods; provided, however, that this definition may be
changed at any time if the Rating Agency Condition is satisfied.

                  "Accumulation Period Length" shall have the meaning assigned such term in subsection 4.09(j).

                  "Accumulation Shortfall" shall initially mean zero and shall thereafter mean, with respect to
any Monthly Period during the Controlled Accumulation Period, the excess, if any, of the Controlled Deposit
Amount for the previous Monthly Period over the amount deposited into the Principal Funding Account pursuant to
subsections 4.09(f)(i), 4.09(f)(ii), 4.09(f)(iii) and 4.09(f)(iv) with respect to the Class A Certificates, the
Class B Certificates, the Collateral Interest and the Class D Certificates, respectively, for the previous
Monthly Period.

                  "Adjusted Investor Interest" shall mean, with respect to any date of determination, an amount
equal to the sum of (a) the Class A Adjusted Investor Interest, (b) the Class B Adjusted Investor Interest, (c)
the Collateral Interest Adjusted Amount and (d) the Class D Adjusted Investor Interest.

                  "Aggregate Investor Default Amount" shall mean, with respect to any Monthly Period, the sum of
the Investor Default Amounts in respect of such Monthly Period.

                  "Assignee" shall have the meaning specified in subsection 19(a).

                  "Available Investor Principal Collections" shall mean with respect to any Monthly Period, an
amount equal to (a) the Investor Principal Collections for such Monthly Period, minus (b) the amount of
Reallocated Class D Principal Collections, Reallocated Collateral Principal Collections and Reallocated Class B
Principal Collections with respect to such Monthly Period which pursuant to Section 4.12 are required to fund the
Class A Required Amount, the Class B Required Amount and the Collateral Required Amount, plus (c) the amount of
Shared Principal Collections with respect to Group One that are allocated to Series 2001-B in accordance with
subsection 4.13(b).

                  "Available Reserve Account Amount" shall mean, with respect to any Transfer Date, the lesser of
(a) the amount on deposit in the Reserve Account on such date (after taking into account any interest and
earnings retained in the Reserve Account pursuant to subsection 4.15(b) on such date, but before giving effect to
any deposit made or to be made pursuant to subsection 4.11(i) to the Reserve Account on such date) and (b) the
Required Reserve Account Amount.


                                                        3







                  "Base Rate" shall mean, with respect to any Monthly Period, the annualized percentage
equivalent of a fraction, the numerator of which is equal to the sum of the Class A Monthly Interest, the Class B
Monthly Interest, the Collateral Minimum Monthly Interest, each for the related Interest Period, and the
Certificateholder Servicing Fee and the Servicer Interchange, each with respect to such Monthly Period, and the
denominator of which is the Investor Interest as of the close of business on the last day of such Monthly Period.

                  "Certificateholder Servicing Fee" shall have the meaning specified in subsection 3(a) hereof.

                  "Class A Account Percentage" shall mean, with respect to any date of determination, the
percentage equivalent of a fraction, the numerator of which is the aggregate amount on deposit in the Principal
Funding Account with respect to Class A Monthly Principal as of the Record Date preceding the related Transfer
Date and the denominator of which is the aggregate amount on deposit in the Principal Funding Account with
respect to Class A Monthly Principal and Class B Monthly Principal as of the Record Date preceding the related
Transfer Date.

                  "Class A Additional Interest" shall have the meaning specified in subsection 4.06(a).

                  "Class A Adjusted Investor Interest" shall mean, with respect to any date of determination, an
amount equal to the Class A Investor Interest minus the funds on deposit in the Principal Funding Account (in an
amount not to exceed the Class A Investor Interest) on such date of determination.

                  "Class A Available Funds" shall mean, with respect to any Monthly Period, an amount equal to
the sum of (a) the Class A Floating Allocation of the Collections of Finance Charge Receivables and amounts with
respect to Annual Membership Fees allocated to the Investor Certificates and deposited in the Finance Charge
Account for such Monthly Period (or to be deposited in the Finance Charge Account on the related Transfer Date
with respect to the preceding Monthly Period pursuant to the third paragraph of subsection 4.03(a) and Section
2.08 of the Agreement and subsection 3(b) of this Series Supplement), excluding the portion of Collections of
Finance Charge Receivables attributable to Servicer Interchange, (b) an amount equal to the product of (i) the
Class A Account Percentage and (ii) the Principal Funding Investment Proceeds, if any, with respect to the
related Transfer Date and (c) amounts, if any, to be withdrawn from the Reserve Account which will be deposited
into the Finance Charge Account on the related Transfer Date to be treated as Class A Available Funds pursuant to
subsections 4.15(b) and 4.15(d)(i).

                  "Class A Certificate Rate" shall mean, for any Interest Period, a per annum rate equal to 0.26%
per annum in excess of LIBOR, as determined on the related LIBOR Determination Date.

                  "Class A Certificateholder" shall mean the Person in whose name a Class A Certificate is
registered in the Certificate Register.


                                                        4






                  "Class A Certificates" shall mean any of the certificates executed by the Transferor and
authenticated by or on behalf of the Trustee, substantially in the form of Exhibit A-1 hereto.

                  "Class A Deficiency Amount" shall have the meaning specified in subsection 4.06(a).

                  "Class A Fixed Allocation" shall mean, with respect to any Monthly Period following the
Revolving Period, the percentage equivalent (which percentage shall never exceed 100%) of a fraction, the
numerator of which is the Class A Investor Interest as of the close of business on the last day of the Revolving
Period and the denominator of which is equal to the Investor Interest as of the close of business on the last day
of the Revolving Period.

                  "Class A Floating Allocation" shall mean, with respect to any Monthly Period, the percentage
equivalent (which percentage shall never exceed 100%) of a fraction, the numerator of which is the Class A
Adjusted Investor Interest as of the close of business on the last day of the preceding Monthly Period and the
denominator of which is equal to the Adjusted Investor Interest as of the close of business on such day;
provided, however, that, with respect to the first Monthly Period, the Class A Floating Allocation shall mean the
percentage equivalent of a fraction, the numerator of which is the Class A Initial Investor Interest and the
denominator of which is the Initial Investor Interest.

                  "Class A Initial Investor Interest" shall mean the aggregate initial principal amount of the
Class A Certificates, which is $637,500,000.

                  "Class A Investor Allocation" shall mean with respect to any Monthly Period, (a) with respect
to Default Amounts and Finance Charge Receivables at any time and Principal Receivables during the Revolving
Period, the Class A Floating Allocation, and (b) with respect to Principal Receivables during the Controlled
Accumulation Period or the Rapid Amortization Period, the Class A Fixed Allocation.

                  "Class A Investor Charge-Offs" shall have the meaning specified in subsection 4.10(a).

                  "Class A Investor Default Amount" shall mean, with respect to each Transfer Date, an amount
equal to the product of (a) the Aggregate Investor Default Amount for the related Monthly Period and (b) the
Class A Floating Allocation applicable for the related Monthly Period.

                  "Class A Investor Interest" shall mean, on any date of determination, an amount equal to (a)
the Class A Initial Investor Interest, minus (b) the aggregate amount of principal payments made to Class A
Certificateholders prior to such date and minus (c) the excess, if any, of the aggregate amount of Class A
Investor Charge-Offs pursuant to subsection 4.10(a) over Class A Investor Charge-Offs reimbursed pursuant to
subsection 4.11(b) prior to such date of


                                                        5





determination; provided, however, that the Class A Investor Interest may not be reduced below zero.

                  "Class A Monthly Interest" shall mean the monthly interest distributable in respect of the
Class A Certificates as calculated in accordance with subsection 4.06(a).

                  "Class A Monthly Principal" shall mean the monthly principal distributable in respect of the
Class A Certificates as calculated in accordance with subsection 4.07(a).

                  "Class A Required Amount" shall have the meaning specified in subsection 4.08(a).

                  "Class A Servicing Fee"  shall have the meaning specified in subsection 3(a) of this Series
Supplement.

                  "Class B Account Percentage" shall mean, with respect to any date of determination, the
percentage equivalent of a fraction, the numerator of which is the aggregate amount on deposit in the Principal
Funding Account with respect to Class B Monthly Principal as of the Record Date preceding the related Transfer
Date and the denominator of which is the aggregate amount on deposit in the Principal Funding Account with
respect to Class A Monthly Principal and Class B Monthly Principal as of the Record Date preceding the related
Transfer Date.

                  "Class B Additional Interest" shall have the meaning specified in subsection 4.06(b).

                  "Class B Adjusted Investor Interest" shall mean, with respect to any date of determination, an
amount equal to the Class B Investor Interest minus the excess, if any, of the Principal Funding Account Balance
over the Class A Investor Interest on such date of determination (such excess not to exceed the Class B Investor
Interest).

                  "Class B Available Funds" shall mean, with respect to any Monthly Period, an amount equal to
the sum of (a) the Class B Floating Allocation of the Collections of Finance Charge Receivables and amounts with
respect to Annual Membership Fees allocated to the Investor Certificates and deposited in the Finance Charge
Account for such Monthly Period (or to be deposited in the Finance Charge Account on the related Transfer Date
with respect to the preceding Monthly Period pursuant to the third paragraph of subsection 4.03(a) and Section
2.08 of the Agreement and subsection 3(b) of this Series Supplement), excluding the portion of Collections of
Finance Charge Receivables attributable to Servicer Interchange, (b) an amount equal to the product of (i) the
Class B Account Percentage and (ii) the Principal Funding Investment Proceeds, if any, with respect to the
related Transfer Date and (c) amounts, if any, to be withdrawn from the Reserve Account which will be deposited
into the Finance Charge Account on the related Transfer Date to be treated as Class B Available Funds pursuant to
subsection 4.15(d)(ii).


                                                        6







                  "Class B Certificate Rate" shall mean, for any Interest Period, a per annum rate equal to 0.60%
per annum in excess of LIBOR, as determined on the related LIBOR Determination Date.

                  "Class B Certificateholder" shall mean the Person in whose name a Class B Certificate is
registered in the Certificate Register.

                  "Class B Certificates" shall mean any of the certificates executed by the Transferor and
authenticated by or on behalf of the Trustee, substantially in the form of Exhibit A-2 hereto.

                  "Class B Deficiency Amount" shall have the meaning specified in subsection 4.06(b).

                  "Class B Fixed Allocation" shall mean, with respect to any Monthly Period following the
Revolving Period, the percentage equivalent (which percentage shall never exceed 100%) of a fraction, the
numerator of which is the Class B Investor Interest as of the close of business on the last day of the Revolving
Period and the denominator of which is equal to the Investor Interest as of the close of business on the last day
of the Revolving Period.

                  "Class B Floating Allocation" shall mean, with respect to any Monthly Period, the percentage
equivalent (which percentage shall never exceed 100%) of a fraction, the numerator of which is the Class B
Adjusted Investor Interest as of the close of business on the last day of the preceding Monthly Period and the
denominator of which is equal to the Adjusted Investor Interest as of the close of business on such day;
provided, however, that, with respect to the first Monthly Period, the Class B Floating Allocation shall mean the
percentage equivalent of a fraction, the numerator of which is the Class B Initial Investor Interest and the
denominator of which is the Initial Investor Interest.

                  "Class B Initial Investor Interest" shall mean the aggregate initial principal amount of the
Class B Certificates, which is $56,250,000.

                  "Class B Investor Allocation" shall mean with respect to any Monthly Period, (a) with respect
to Default Amounts and Finance Charge Receivables at any time or Principal Receivables during the Revolving
Period, the Class B Floating Allocation, and (b) with respect to Principal Receivables during the Controlled
Accumulation Period or the Rapid Amortization Period, the Class B Fixed Allocation.

                  "Class B Investor Charge-Offs" shall have the meaning specified in subsection 4.10(b).

                  "Class B Investor Default Amount" shall mean, with respect to each Transfer Date, an amount
equal to the product of (a) the Aggregate Investor Default Amount for the related Monthly Period and (b) the
Class B Floating Allocation applicable for the related Monthly Period.


                                                        7






                  "Class B Investor Interest" shall mean, on any date of determination, an amount equal to (a)
the Class B Initial Investor Interest, minus (b) the aggregate amount of principal payments made to Class B
Certificateholders prior to such date, minus (c) the aggregate amount of Class B Investor Charge-Offs for all
prior Transfer Dates pursuant to subsection 4.10(b), minus (d) the amount of the Reallocated Class B Principal
Collections allocated pursuant to subsection 4.12(a) on all prior Transfer Dates for which the Collateral
Interest Amount has not been reduced, minus (e) an amount equal to the amount by which the Class B Investor
Interest has been reduced on all prior Transfer Dates pursuant to subsection 4.10(a) and plus (f) the aggregate
amount of Excess Spread allocated and available on all prior Transfer Dates pursuant to subsection 4.11(d) for
the purpose of reimbursing amounts deducted pursuant to the foregoing clauses (c), (d) and (e); provided,
however, that the Class B Investor Interest may not be reduced below zero.

                  "Class B Monthly Interest" shall mean the monthly interest distributable in respect of the
Class B Certificates as calculated in accordance with subsection 4.06(b).

                  "Class B Monthly Principal" shall mean the monthly principal distributable in respect of the
Class B Certificates as calculated in accordance with subsection 4.07(b).

                  "Class B Required Amount" shall have the meaning specified in subsection 4.08(b).

                  "Class B Servicing Fee" shall have the meaning specified in subsection 3(a) hereof.

                  "Class D Adjusted Investor Interest" shall mean, with respect to any date of determination,an
an amount equal to the Class D Investor Interest minus the excess, if any, of the Principal Funding Account Balance
over the sum of the Class A Investor Interest, the Class B Investor Interest and the Collateral Interest Amount on
such date of determination (such excess not to exceed the Class D Investor Interest).

                  "Class D Available Funds" shall mean, with respect to any Monthly Period, an amount equal to
the Class D Floating Allocation of the Collections of Finance Charge Receivables and amounts with respect to
Annual Membership Fees allocated to the Investor Certificates and deposited in the Finance Charge Account for
such Monthly Period (or to be deposited in the Finance Charge Account on the related Transfer Date with respect
to the preceding Monthly Period pursuant to the third paragraph of subsection 4.03(a) and Section 2.08 of the
Agreement and subsection 3(b) of this Series Supplement), excluding the portion of Collections of Finance Charge
Receivables attributable to Servicer Interchange.

                  "Class D Certificateholder" shall mean the Transferor or its successor in interest.

                  "Class D Certificates" shall mean any of the certificates executed by the Transferor and
authenticated by or on behalf of the Trustee, substantially in the form of Exhibit A-3 hereto.



                                                        8







                  "Class D Fixed Allocation" shall mean with respect to any Monthly Period following the
Revolving Period, the percentage equivalent (which percentage shall never exceed 100%) of a fraction, the
numerator of which is the Class D Investor Interest as of the close of business on the last day of the Revolving
Period and the denominator of which is equal to the Investor Interest as of the close of business on the last day
of the Revolving Period.

                  "Class D Floating Allocation" shall mean, with respect to any Monthly Period, the percentage
equivalent (which percentage shall never exceed 100%) of a fraction, the numerator of which is the Class D Adjusted
Investor Interest as of the close of business on the last day of the preceding Monthly Period and the denominator of
which is equal to the Adjusted Investor Interest as of the close of business on such day; provided, however, that,
with respect to the first Monthly Period, the Class D Floating Allocation shall mean the percentage equivalent of a
fraction, the numerator of which is the Class D Initial Investor Interest and the denominator of which is the Initial
Investor Interest.

                  "Class D Initial Investor Interest" shall mean $67,310,000.

                  "Class D Investor Allocation" shall mean with respect to any Monthly Period (a) with respect to
Default Amounts and Finance Charge Receivables at any time or Principal Receivables during the Revolving Period,
the Class D Floating Allocation, and (b) with respect to Principal Receivables during the Controlled Accumulation
Period or the Rapid Amortization Period, the Class D Fixed Allocation.

                  "Class D Investor Charge-Offs" shall have the meaning specified in subsection 4.10(d).

                  "Class D Investor Default Amount" shall mean, with respect to any Transfer Date, an amount
equal to the product of (a) the Aggregate Investor Default Amount for the related Monthly Period and (b) the
Class D Floating Allocation applicable for the related Monthly Period.

                  "Class D Investor Interest" shall mean, an amount equal to (a) the Class D Initial Investor
Interest, minus (b) the aggregate amount of principal payments made to the Class D Certificateholder prior to
such date, minus (c) the aggregate amount of Class D Investor Charge-Offs for all prior Transfer Dates pursuant
to subsection 4.10(d), minus (d) the amount of Reallocated Principal Collections allocated pursuant to
subsections 4.12(a), (b) and (c) on all prior Transfer Dates, minus (e) an amount equal to the amount by which
the Class D Investor Interest has been reduced on all prior Transfer Dates pursuant to subsections 4.10(a), (b)
and (c), and plus (f) the aggregate amount of Excess Spread allocated and available on all prior Transfer Dates
pursuant to subsection 4.11(m) for the purpose of reimbursing amounts deducted pursuant to the foregoing clauses
(c), (d) and (e); provided, however, that the Class D Investor Interest may not be reduced below zero.

                  "Class D Monthly Principal" shall mean the monthly principal distributable in respect of the
Class D Investor Interest as calculated in accordance with subsection 4.07(d).

                  "Class D Servicing Fee" shall have the meaning specified in subsection 3(a) hereof.



                                                        9







                  "Closing Date" shall mean March 8, 2001.

                  "Code" shall mean the Internal Revenue Code of 1986, as amended.

                  "Collateral Allocation" shall mean with respect to any Monthly Period, (a) with respect to
Default Amounts and Finance Charge Receivables at any time or Principal Receivables during the Revolving Period,
the Collateral Floating Allocation, and (b) with respect to Principal Receivables during the Controlled Accumulation
Period or the Rapid Amortization Period, the Collateral Fixed Allocation.

                  "Collateral Available Funds" shall mean, with respect to any Monthly Period, an amount equal to
the Collateral Floating Allocation of the Collections of Finance Charge Receivables and amounts with respect to
Annual Membership Fees allocated to the Investor Certificates and deposited in the Finance Charge Account for
such Monthly Period (or to be deposited in the Finance Charge Account on the related Transfer Date with respect
to the preceding Monthly Period pursuant to the third paragraph of subsection 4.03(a) and Section 2.08 of the
Agreement and subsection 3(b) of this Series Supplement), excluding the portion of Collections of Finance Charge
Receivables attributable to Servicer Interchange.

                  "Collateral Charge-Offs" shall have the meaning specified in subsection 4.10(c).

                  "Collateral Default Amount" shall mean, with respect to any Transfer Date, an amount equal to
the product of (a) the Aggregate Investor Default Amount for the related Monthly Period and (b) the Collateral
Floating Allocation applicable for the related Monthly Period.

                  "Collateral Fixed Allocation" shall mean with respect to any Monthly Period following the
Revolving Period, the percentage equivalent (which percentage shall never exceed 100%) of a fraction, the
numerator of which is the Collateral Interest Amount as of the close of business on the last day of the Revolving
Period and the denominator of which is equal to the Investor Interest as of the close of business on the last day
of the Revolving Period.

                  "Collateral Floating Allocation" shall mean, with respect to any Monthly Period, the percentage
equivalent (which percentage shall never exceed 100%) of a fraction, the numerator of which is the Collateral
Interest Adjusted Amount as of the close of business on the last day of the preceding Monthly Period and the
denominator of which is equal to the Adjusted Investor Interest as of the close of business on such day;
provided, however, that, with respect to the first Monthly Period, the Collateral Floating Allocation shall mean
the percentage equivalent of a fraction, the numerator of which is the Collateral Interest Initial Amount and the
denominator of which is the Initial Investor Interest.

                  "Collateral Interest" shall mean a fractional undivided interest in the Trust which shall
consist of the right to receive (i) to the extent necessary to make the required payments to the Collateral
Interest Holder under this Series Supplement, the portion of Collections allocable thereto under the Agreement
and this Series Supplement, funds on deposit in the Collection Account allocable thereto pursuant to the
Agreement and this Series Supplement, and funds on

                                                        10






deposit in the Principal Funding Account or any other Series Account (and any investment earnings thereon, net of
investment expenses and losses, if and to the extent specifically provided herein) allocable thereto pursuant to the
Agreement and this Series Supplement and (ii)amounts available for payment to the Collateral Interest Holder pursuant
to subsections 4.11(j) and 4.11(n) and Section 4.15.

                  "Collateral Interest Adjusted Amount" shall mean, with respect to any date of determination, an
amount equal to the Collateral Interest Amount minus the excess, if any, of the Principal Funding Account Balance
over the sum of the Class A Investor Interest and the Class B Investor Interest on such date of determination
(such excess not to exceed the Collateral Interest Amount).

                  "Collateral Interest Amount" shall mean, an amount equal to (a) the Collateral Interest Initial
Amount, minus (b) the aggregate amount of principal payments made to the Collateral Interest Holder prior to such
date, minus (c) the aggregate amount of Collateral Charge-Offs for all prior Transfer Dates pursuant to
subsection 4.10(c), minus (d) the amount of Reallocated Principal Collections allocated pursuant to subsections
4.12(a) and (b) on all prior Transfer Dates, minus (e) an amount equal to the amount by which the Collateral
Interest Amount has been reduced on all prior Transfer Dates pursuant to subsections 4.10(a) and (b), plus (f)
the aggregate amount of Excess Spread allocated and available on all prior Transfer Dates pursuant to subsection
4.11(h) for the purpose of reimbursing amounts deducted pursuant to the foregoing clauses (c), (d) and (e);
provided, however, that the Collateral Interest Amount may not be reduced below zero.

                  "Collateral Interest Holder" shall mean the entity so designated in writing by the Transferor
to the Trustee.

                  "Collateral Interest Initial Amount" shall mean $56,250,000.

                  "Collateral Interest Servicing Fee" shall have the meaning specified in subsection 3(a) hereof.

                  "Collateral Minimum Monthly Interest" shall mean the monthly interest distributable in respect
of the Collateral Interest Amount as calculated in accordance with subsection 4.06(c).

                  "Collateral Minimum Rate" shall mean, for any Interest Period, the rate specified in the
Transfer Agreement; provided, however, that the Collateral Minimum Rate shall not exceed a rate of 8.00% per
annum.

                  "Collateral Monthly Principal" shall mean the monthly principal distributable in respect of the
Collateral Interest Amount as calculated in accordance with subsection 4.07(c).

                  "Collateral Required Amount" shall have the meaning specified in subsection 4.08(c).


                                                        11





                  "Controlled Accumulation Amount" shall mean for any Transfer Date with respect to the
Controlled Accumulation Period, $68,109,166.67; provided, however, that if the Accumulation Period Length is
determined to be less than 12 months pursuant to subsection 4.09(j), the Controlled Accumulation Amount for each
Transfer Date with respect to the Controlled Accumulation Period will be equal to (i) the product of (x) the
Initial Investor Interest and (y) the Accumulation Period Factor for such Monthly Period divided by (ii) the Required
Accumulation Factor Number.

                  "Controlled Accumulation Period" shall mean, unless a Pay Out Event shall have occurred prior
thereto, the period commencing at the close of business on February 28, 2010 or such later date as is determined
in accordance with subsection 4.09(j) and ending on the first to occur of (a) the commencement of the Rapid
Amortization Period and (b) the Series 2001-B Termination Date.

                  "Controlled Deposit Amount" shall mean, with respect to any Transfer Date, the sum of (a) the
Controlled Accumulation Amount for such Transfer Date and (b) any existing Accumulation Shortfall.

                  "Covered Amount" shall mean an amount, determined as of each Transfer Date with respect to any
Interest Period, equal to the sum of (a) the product of (i) a fraction, the numerator of which is the actual
number of days in such Interest Period and the denominator of which is 360, times (ii) the Class A Certificate
Rate in effect with respect to such Interest Period, times (iii) the aggregate amount on deposit in the Principal
Funding Account with respect to Class A Monthly Principal as of the Record Date preceding such Transfer Date,
plus (b) the product of (i) a fraction, the numerator of which is the actual number of days in such Interest
Period and the denominator of which is 360, times (ii) the Class B Certificate Rate in effect with respect to
such Interest Period, times (iii) the aggregate amount on deposit in the Principal Funding Account with respect
to Class B Monthly Principal as of the Record Date preceding such Transfer Date.

                  "Credit Enhancement" shall mean (a) with respect to the Class A Certificates, the subordination
of the Class B Certificates, the Collateral Interest and the Class D Certificates, (b) with respect to the Class
B Certificates, the subordination of the Collateral Interest and the Class D Certificates, and (c) with respect
to the Collateral Interest, the subordination of the Class D Certificates.

                  "Credit Enhancement Provider" shall mean the Collateral Interest Holder.

                  "Cumulative Series Principal Shortfall" shall mean the sum of the Series Principal Shortfalls
(as such term is defined in each of the related Series Supplements) for each Series in Group One.

                  "Daily Principal Shortfall" shall mean, on any date of determination, the excess of the Group
One Monthly Principal Payment for the Monthly Period relating to such date over the month to date amount of
Collections processed in respect of Principal Receivables for such Monthly Period allocable to investor
certificates of all outstanding Series in Group One, not


                                                        12






subject to reallocation, which are on deposit or to be deposited in the Principal Account on such date.

                  "Distribution Date" shall mean May 15, 2001 and the fifteenth day of each calendar month
thereafter, or if such fifteenth day is not a Business Day, the next succeeding Business Day.

                  "Excess Spread" shall mean, with respect to any Transfer Date, the sum of the amounts with
respect to such Transfer Date, if any, specified pursuant to subsections 4.09(a)(iv), 4.09(b)(iii), 4.09(c)(ii)
and 4.09(d)(ii).

                  "Fitch" shall mean Fitch, Inc. or its successors.

                  "Fixed Investor Percentage" shall mean, with respect to any Monthly Period, the percentage
equivalent of a fraction, the numerator of which is the Investor Interest as of the close of business on the last
day of the Revolving Period and the denominator of which is the greater of (a) the aggregate amount of Principal
Receivables in the Trust determined as of the close of business on the last day of the prior Monthly Period and
(b) the sum of the numerators used to calculate the Investor Percentages (as such term is defined in the
Agreement) for allocations with respect to Principal Receivables for all outstanding Series on such date of
determination; provided, however, that with respect to any Monthly Period in which an Addition Date occurs or in
which a Removal Date occurs on which, if any Series has been paid in full, Principal Receivables in an aggregate
amount approximately equal to the initial investor interest of such Series are removed from the Trust, the
denominator determined pursuant to clause (a) hereof shall be (i) the aggregate amount of Principal Receivables
in the Trust as of the close of business on the last day of the prior Monthly Period for the period from and
including the first day of such Monthly Period to but excluding the related Addition Date or Removal Date and
(ii) the aggregate amount of Principal Receivables in the Trust as of the beginning of the day on the related
Addition Date or Removal Date after adjusting for the aggregate amount of Principal Receivables added to or
removed from the Trust on the related Addition Date or Removal Date, for the period from and including the
related Addition Date or Removal Date to and including the last day of such Monthly Period.

                  "Floating Investor Percentage" shall mean, with respect to any Monthly Period, the percentage
equivalent of a fraction, the numerator of which is the Adjusted Investor Interest as of the close of business on
the last day of the preceding Monthly Period (or with respect to the first Monthly Period, the Initial Investor
Interest) and the denominator of which is the greater of (a) the aggregate amount of Principal Receivables as of
the close of business on the last day of the preceding Monthly Period (or with respect to the first calendar
month in the first Monthly Period, the aggregate amount of Principal Receivables in the Trust as of the close of
business on the day immediately preceding the Closing Date and with respect to the second calendar month in the
first Monthly Period, the aggregate amount of Principal Receivables as of the close of business on the last day
of the first calendar month in the first Monthly Period), and (b) the sum of the numerators used to calculate the
Investor Percentages (as such term is defined in the Agreement) for allocations with respect to Finance Charge
Receivables, Default Amounts or Principal Receivables, as applicable, for all outstanding Series on such date of
determination;


                                                        13






provided, however, that with respect to any Monthly Period in which an Addition Date occurs or in which a Removal Date
occurs on which, if any Series has been paid in full, Principal Receivables in an aggregate amount approximately equal to
the initial investor interest of such Series are removed from the Trust, the denominator determined pursuant to clause (a)
hereof shall be (i) the aggregate amount of Principal Receivables in the Trust as of the close of business on the last day
of the prior Monthly Period for the period from and including the first day of such Monthly Period to but excluding the
related Addition Date or Removal Date and (ii) the aggregate amount of Principal Receivables in the Trust as of
the beginning of the day on the related Addition Date or Removal Date after adjusting for the aggregate amount of
Principal Receivables added to or removed from the Trust on the related Addition Date or Removal Date, for the
period from and including the related Addition Date or Removal Date to and including the last day of such Monthly
Period.

                  "Group One" shall mean Series 2001-B and each other Series specified in the related Supplement
to be included in Group One.

                  "Group One Monthly Principal Payment" shall mean with respect to any Monthly Period, for all
Series in Group One (including Series 2001-B) which are in an Amortization Period or Accumulation Period (as such
terms are defined in the related Supplements for all Series in Group One), the sum of (a) the Controlled
Distribution Amount for the related Transfer Date for any Series in its Controlled Amortization Period (as such
terms are defined in the related Supplements for all Series in Group One), (b) the Controlled Deposit Amount for
the related Transfer Date for any Series in its Accumulation Period, other than its Rapid Accumulation Period, if
applicable (as such terms are defined in the related Supplements for all Series in Group One), (c) the Investor
Interest as of the end of the prior Monthly Period taking into effect any payments to be made on the following
Distribution Date for any Series in Group One in its Principal Amortization Period or Rapid Amortization Period
(as such terms are defined in the related Supplements for all Series in Group One), (d) the Adjusted Investor
Interest as of the end of the prior Monthly Period taking into effect any payments or deposits to be made on the
following Transfer Date and Distribution Date for any Series in Group One in its Rapid Accumulation Period (as
such terms are defined in the related Supplements for all Series in Group One) and (e) such other amounts as may
be specified in the related Supplements for all Series in Group One.

                  "Initial Investor Interest" shall mean $817,310,000.

                  "Interest Period" shall mean, with respect to any Distribution Date, the period from and
including the previous Distribution Date (or in the case of the first Distribution Date, from and including the
Closing Date) through the day preceding such Distribution Date.

                  "Investment Letter" shall have the meaning specified in subsection 19(b).

                  "Investor Certificateholder" shall mean (a) with respect to the Class A Certificates, the
holder of record of a Class A Certificate, (b) with respect to the Class B Certificates, the holder of record of
a Class B Certificate, (c) with respect to the Collateral

                                                        14






Interest, the Collateral Interest Holder, and (d) with respect to the Class D Certificates, the Class D Certificateholder.

                  "Investor Certificates" shall mean the Class A Certificates, the Class B Certificates, the
Collateral Interest and the Class D Certificate.

                  "Investor Default Amount" shall mean, with respect to any Receivable in a Defaulted Account, an
amount equal to the product of (a) the Default Amount and (b) the Floating Investor Percentage on the day such
Account became a Defaulted Account.

                  "Investor Interest" shall mean, on any date of determination, an amount equal to the sum of (a)
the Class A Investor Interest, (b) the Class B Investor Interest, (c) the Collateral Interest Amount and (d) the
Class D Investor Interest, each as of such date.

                  "Investor Percentage" shall mean for any Monthly Period, (a) with respect to Finance Charge
Receivables and Default Amounts at any time and Principal Receivables during the Revolving Period, the Floating
Investor Percentage and (b) with respect to Principal Receivables during the Controlled Accumulation Period or
the Rapid Amortization Period, the Fixed Investor Percentage.

                  "Investor Principal Collections" shall mean, with respect to any Monthly Period, the sum of (a)
the aggregate amount deposited into the Principal Account for such Monthly Period pursuant to subsections
4.05(a)(ii), (iii), (iv) and (v), 4.05(b)(ii), (iii), (iv) and (v), or 4.05(c)(ii), in each case, as applicable
to such Monthly Period, (b) the aggregate amount to be treated as Investor Principal Collections pursuant to
subsections 4.09(a)(iii), and 4.11(a), (b), (c), (d), (g), (h), (l) and (m) for such Monthly Period (other than
such amount paid from Reallocated Principal Collections), and (c) the aggregate amount of Unallocated Principal
Collections deposited into the Principal Account pursuant to subsection 4.05(d).

                  "Investor Servicing Fee" shall have the meaning specified in subsection 3(a) hereof.

                  "LIBOR" shall mean, for any Interest Period, the London interbank offered rate for one-month
United States dollar deposits determined by the Trustee on the LIBOR Determination Date for each Interest Period
in accordance with the provisions of Section 4.16.

                  "LIBOR Determination Date" shall mean March 6, 2001 for the period from and including the
Closing Date through but excluding April 16, 2001, April 11, 2001 for the period from and including April 16,
2001 through but excluding May 15, 2001 and the second London Business Day prior to the commencement of the
second and each subsequent Interest Period.

                  "London Business Day" shall mean any Business Day on which dealings in deposits in United
States dollars are transacted in the London interbank market.

                  "Monthly Interest" shall mean, with respect to any Transfer Date, the sum of (a) the Class A
Monthly Interest, the Class A Additional Interest, if any, and the unpaid Class A Deficiency Amount, if any, (b)
the Class B Monthly Interest, the Class B Additional Interest, if


                                                        15






any, and the unpaid Class B Deficiency Amount, if any, and (c) the Collateral Minimum Monthly Interest and any previously
due and the unpaid Collateral Minimum Monthly Interest, each with respect to such Transfer Date.

                  "Monthly Period" shall have the meaning specified in the Agreement, except that (a) the first
Monthly Period with respect to the Investor Certificates other than the Class D Certificate shall begin on and
include the Closing Date and shall end on and include April 30, 2001, and (b) the first Monthly Period with
respect to the Class D Certificate shall begin on and include the date hereof and shall end on and include March
31, 2009.

                  "Net Servicing Fee Rate" shall mean (a) so long as FIA or The Bank of New York Mellon is the
Servicer, 1.25% per annum and (b) if FIA or The Bank of New York Mellon is no longer the Servicer, 2.0% per annum.

                  "Pay Out Commencement Date" shall mean the date on which a Trust Pay Out Event is deemed to
occur pursuant to Section 9.01 or a Series 2001-B Pay Out Event is deemed to occur pursuant to Section 9 hereof.

                  "Permitted Assignee" shall mean any Person who, if it were the Collateral Interest Holder or
holder of an interest in the Trust, as applicable, would not cause the Trust to be taxable as a publicly traded
partnership for federal income tax purposes.

                  "Portfolio Adjusted Yield" shall mean, with respect to any Transfer Date, commencing on and
including the August 2001 Transfer Date, the average of the percentages obtained for each of the three preceding
Monthly Periods by subtracting the Base Rate from the Portfolio Yield for such Monthly Period and deducting 0.5%
from the result for each Monthly Period.

                  "Portfolio Yield" shall mean, with respect to any Monthly Period, the annualized percentage
equivalent of a fraction, the numerator of which is an amount equal to the sum of (a) the amount of Collections
of Finance Charge Receivables deposited into the Finance Charge Account and allocable to the Investor
Certificates for such Monthly Period, (b) the amount with respect to Annual Membership Fees deposited into the
Finance Charge Account and allocable to the Investor Certificates for such Monthly Period, (c) the Principal
Funding Investment Proceeds deposited into the Finance Charge Account on the Transfer Date related to such
Monthly Period and (d) the amount of the Reserve Draw Amount (up to the Available Reserve Account Amount) plus
any amounts of interest and earnings described in subsection 4.15, each deposited into the Finance Charge Account
on the Transfer Date relating to such Monthly Period, such sum to be calculated on a cash basis after subtracting
the Aggregate Investor Default Amount for such Monthly Period, and the denominator of which is the Investor
Interest as of the close of business on the last day of such Monthly Period.

                  "Principal Funding Account" shall have the meaning set forth in subsection 4.14(a).


                                                        16





                  "Principal Funding Account Balance" shall mean, with respect to any date of determination, the
principal amount, if any, on deposit in the Principal Funding Account on such date of determination.

                  "Principal Funding Investment Proceeds" shall mean, with respect to each Transfer Date, the
investment earnings on funds in the Principal Funding Account (net of investment expenses and losses) for the
period from and including the immediately preceding Transfer Date to but excluding such Transfer Date.

                  "Prospectus" shall mean the prospectus and the prospectus supplement as filed with the
Securities and Exchange Commission under Rule 424(b) of the Securities Act relating to the Series 2001-B
Certificates.

                  "Rapid Amortization Period" shall mean the Amortization Period commencing on the Pay Out
Commencement Date and ending on the earlier to occur of (a) the Series 2001-B Termination Date and (b) the
termination of the Trust pursuant to Section 12.01.

                  "Rating Agency" shall mean Moody's and Standard & Poor's.

                  "Rating Agency Condition" shall mean the notification in writing by each Rating Agency to the
Transferor, the Servicer and the Trustee that an action will not result in any Rating Agency reducing or
withdrawing its then existing rating of the investor certificates of any outstanding Series or class of a Series
with respect to which it is a Rating Agency.

                  "Reallocated Class B Principal Collections" shall mean, with respect to any Transfer Date,
Collections of Principal Receivables applied in accordance with subsection 4.12(a) in an amount not to exceed the
product of (a) the Class B Investor Allocation with respect to the Monthly Period relating to such Transfer Date
and (b) the Investor Percentage with respect to the Monthly Period relating to such Transfer Date and (c) the
amount of Collections of Principal Receivables with respect to the Monthly Period relating to such Transfer Date;
provided, however, that such amount shall not exceed the Class B Investor Interest after giving effect to any
Class B Investor Charge-Offs for such Transfer Date.

                  "Reallocated Class D Principal Collections" shall mean, with respect to any Transfer Date,
Collections of Principal Receivables applied in accordance with subsections 4.12(a), (b) and (c) in an amount not
to exceed the product of (a) the Class D Investor Allocation with respect to the Monthly Period relating to such
Transfer Date and (b) the Investor Percentage with respect to the Monthly Period relating to such Transfer Date
and (c) the amount of Collections of Principal Receivables with respect to the Monthly Period relating to such
Transfer Date; provided, however, that such amount shall not exceed the Class D Investor Interest after giving
effect to any Class D Investor Charge-Offs for such Transfer Date.

                  "Reallocated Collateral Principal Collections" shall mean, with respect to any Transfer Date,
Collections of Principal Receivables applied in accordance with subsections 4.12(a) and (b) in an amount not to
exceed the product of (a) the Collateral Allocation with respect to the Monthly Period relating to such Transfer
Date and (b) the Investor Percentage with respect to the Monthly Period relating to such Transfer Date and (c)
the amount of Collections of

                                                        17






Principal Receivables with respect to the Monthly Period relating to such Transfer Date; provided, however, that such
amount shall not exceed the Collateral Interest Amount after giving effect to any Collateral Charge-Offs for such
Transfer Date.

                  "Reallocated Principal Collections" shall mean the sum of (a) Reallocated Class B Principal
Collections, (b) Reallocated Collateral Principal Collections and (c) Reallocated Class D Principal Collections.

                  "Reference Banks" shall mean four major banks in the London interbank market selected by the
Servicer.

                  "Required Accumulation Factor Number" shall be equal to a fraction, rounded upwards to the
nearest whole number, the numerator of which is one and the denominator of which is equal to the lowest monthly
principal payment rate on the Accounts, expressed as a decimal, for the 12 months preceding the date of such
calculation; provided, however, that this definition may be changed at any time if the Rating Agency Condition is
satisfied.

                  "Required Reserve Account Amount" shall mean, with respect to any Transfer Date on or after the
Reserve Account Funding Date, an amount equal to (a) 0.5% of the outstanding principal balance of the Class A
Certificates or (b) any other amount designated by the Transferor; provided, however, that if such designation is
of a lesser amount, the Transferor shall (i) provide the Servicer, the Collateral Interest Holder and the Trustee
with evidence that the Rating Agency Condition shall have been satisfied and (ii) deliver to the Trustee a
certificate of an authorized officer to the effect that, based on the facts known to such officer at such time,
in the reasonable belief of the Transferor, such designation will not cause a Pay Out Event or an event that,
after the giving of notice or the lapse of time, would cause a Pay Out Event to occur with respect to Series
2001-B.

                  "Reserve Account" shall have the meaning specified in subsection 4.15(a).

                  "Reserve Account Funding Date" shall mean the Transfer Date which occurs not later than the
earliest of (a) the Transfer Date with respect to the Monthly Period which commences 3 months prior to the
commencement of the Controlled Accumulation Period; (b) the first Transfer Date for which the Portfolio Adjusted
Yield is less than 2%, but in such event the Reserve Account Funding Date shall not be required to occur earlier
than the Transfer Date with respect to the Monthly Period which commences 12 months prior to the commencement of
the Controlled Accumulation Period; (c) the first Transfer Date for which the Portfolio Adjusted Yield is less
than 3%, but in such event the Reserve Account Funding Date shall not be required to occur earlier than the
Transfer Date with respect to the Monthly Period which commences 6 months prior to the commencement of the
Controlled Accumulation Period; and (d) the first Transfer Date for which the Portfolio Adjusted Yield is less
than 4%, but in such event the Reserve Account Funding Date shall not be required to occur earlier than the
Transfer Date with respect to the Monthly Period which commences 4 months prior to the commencement of the
Controlled Accumulation Period.



                                                        18






                  "Reserve Account Surplus" shall mean, as of any Transfer Date following the Reserve Account
Funding Date, the amount, if any, by which the amount on deposit in the Reserve Account exceeds the Required
Reserve Account Amount.

                  "Reserve Draw Amount" shall mean, with respect to each Transfer Date relating to the Controlled
Accumulation Period or the first Transfer Date relating to the Rapid Amortization Period, the amount, if any, by
which the Principal Funding Investment Proceeds for such Transfer Date are less than the Covered Amount
determined as of such Transfer Date.

                  "Revolving Period" shall mean the period from and including the Closing Date to, but not
including, the earlier of (a) the day the Controlled Accumulation Period commences and (b) the Pay Out
Commencement Date.

                  "Scheduled Payment Date" shall mean the March 2011 Distribution Date.

                  "Series 2001-B" shall mean the Series of the BA Master Credit Card Trust II represented by the
Investor Certificates.

                  "Series 2001-B Certificateholders" shall mean the holder of record of a Series 2001-B
Certificate.

                  "Series 2001-B Certificates" shall mean the Class A Certificates, the Class B Certificates and
the Class D Certificates.

                  "Series 2001-B Pay Out Event" shall have the meaning specified in Section 9 hereof.

                  "Series 2001-B Termination Date" shall mean the earliest to occur of (a) the Distribution Date
on which the Investor Interest is paid in full, (b) the August 2013 Distribution Date and (c) the Trust
Termination Date.

                  "Series Principal Shortfall" shall mean with respect to any Transfer Date, the excess, if any,
of (a) (i) with respect to any Transfer Date relating to the Controlled Accumulation Period, the Controlled
Deposit Amount for such Transfer Date, and (ii) with respect to any Transfer Date relating to the Rapid
Amortization Period, the Adjusted Investor Interest over (b) the Investor Principal Collections minus the
Reallocated Principal Collections for such Transfer Date.

                  "Series Servicing Fee Percentage" shall mean 2.0%.

                  "Servicer Interchange" shall mean, for any Transfer Date, the portion of Collections of Finance
Charge Receivables allocated to the Investor Certificates and deposited in the Finance Charge Account with
respect to the related Monthly Period that is attributable to Interchange; provided, however, that Servicer
Interchange for any Transfer Date shall not exceed one-twelfth of the product of (i) the Adjusted Investor
Interest as of the last day of the related Monthly Period and (ii) 0.75%.



                                                        19







                  "Shared Principal Collections" shall mean, with respect to any Transfer Date, either (a) the
amount allocated to the Investor Certificates which may be applied to the Series Principal Shortfall with respect
to other outstanding Series in Group One or (b) the amounts allocated to the investor certificates of other Series
in Group One which the applicable Supplements for such Series specify are to be treated as "Shared Principal
Collections" and which may be applied to cover the Series Principal Shortfall with respect to the Investor Certificates.

                  "Telerate Page 3750" shall mean the display page currently so designated on the Bridge Telerate
Market Report (or such other page as may replace that page on that service for the purpose of displaying
comparable rates or prices).

                  "Transfer" shall have the meaning specified in subsection 19(a).

                  "Transfer Agreement" shall mean the agreement among FIA and the Collateral Interest Holder,
dated as of the Closing Date, as amended or modified from time to time, relating to the transfer of the
Collateral Interest.

                  "Unallocated Principal Collections" shall have the meaning specified in subsection 4.05(d).

                  SECTION 3.          Servicing Compensation and Assignment of Interchange.  (a) The share of the
Servicing Fee allocable to Series 2001-B with respect to any Transfer Date (the "Investor Servicing Fee") shall
be equal to one-twelfth of the product of (i) the Series Servicing Fee Percentage and (ii) the Adjusted Investor
Interest as of the last day of the Monthly Period preceding such Transfer Date.  On each Transfer Date for which
FIA or The Bank of New York Mellon is the Servicer, the Servicer Interchange with respect to the related Monthly
Period that is on deposit in the Finance Charge Account shall be withdrawn from the Finance Charge Account and
paid to the Servicer in payment of a portion of the Investor Servicing Fee with respect to such Monthly Period.
Should the Servicer Interchange on deposit in the Finance Charge Account on any Transfer Date with respect to the
related Monthly Period be less than one-twelfth of 0.75% of the Adjusted Investor Interest as of the last day of
such Monthly Period, the Investor Servicing Fee with respect to such Monthly Period will not be paid to the
extent of such insufficiency of Servicer Interchange on deposit in the Finance Charge Account.  The share of the
Investor Servicing Fee allocable to the Class A Investor Interest with respect to any Transfer Date (the "Class A
Servicing Fee") shall be equal to one-twelfth of the product of (i) the Class A Floating Allocation, (ii) the Net
Servicing Fee Rate and (iii) the Adjusted Investor Interest as of the last day of the Monthly Period preceding
such Transfer Date.  The share of the Investor Servicing Fee allocable to the Class B Investor Interest with
respect to any Transfer Date (the "Class B Servicing Fee") shall be equal to one-twelfth of the product of (i)
the Class B Floating Allocation, (ii) the Net Servicing Fee Rate and (iii) the Adjusted Investor Interest as of
the last day of the Monthly Period preceding such Transfer Date.  The share of the Investor Servicing Fee
allocable to the Collateral Interest Amount with respect to any Transfer Date (the "Collateral Interest Servicing
Fee,") shall be equal to one-twelfth of the product of (i) the Collateral Floating Allocation, (ii) the Net
Servicing Fee Rate and (iii) the Adjusted Investor Interest as of the last


                                                        20






day of the Monthly Period preceding such Transfer Date.  The share of the Investor Servicing Fee allocable to the
Class D Investor Interest with respect to any Transfer Date (the "Class D Servicing Fee" and together with the
Class A Servicing Fee, the Class B Servicing Fee and the Collateral Interest Servicing Fee, the "Certificateholder
Servicing Fee") shall be equal to one-twelfth of the product of (i) the Class D Floating Allocation, (ii) the Net
Servicing Fee Rate and (iii) the Adjusted Investor Interest as of the last day of the Monthly Period preceding such
Transfer Date.  Except as specifically provided above, the Servicing Fee shall be paid by the cash flows from the
Trust allocated to the Transferor or the certificateholders of other Series (as provided in the related Supplements)
and in no event shall the Trust, the Trustee or the Investor Certificateholders be liable therefor.  The Class A
Servicing Fee shall be payable to the Servicer solely to the extent amounts are available for distribution in
respect thereof pursuant to subsections 4.09(a)(ii) and 4.11(a).  The Class B Servicing Fee shall be payable
solely to the extent amounts are available for distribution in respect thereof pursuant to subsections 4.09(b)(ii)
and 4.11(c).  The Collateral Interest Servicing Fee shall be payable solely to the extent amounts are available
for distribution in respect thereof pursuant to subsection 4.11(f) or, if applicable, subsection 4.09(c)(i).  The
Class D Servicing Fee shall be payable solely to the extent amounts are available for distribution in respect
thereof pursuant to subsection 4.11(k) or, if applicable, subsection 4.09(d)(i).

                  (b)      On or before each Transfer Date, the Transferor shall notify the Servicer of the
amount of Interchange to be included as Collections of Finance Charge Receivables and allocable to the Investor
Certificateholders with respect to the preceding Monthly Period as determined pursuant to this subsection 3(b).
Such amount of Interchange shall be equal to the product of (i) the total amount of Interchange paid or payable
to the Transferor with respect to such Monthly Period and (ii) the Investor Percentage with regard to Finance
Charge Receivables.  On each Transfer Date, the Transferor shall pay to the Servicer, and the Servicer shall
deposit into the Finance Charge Account, in immediately available funds, the amount of Interchange to be so
included as Collections of Finance Charge Receivables allocable to the Investor Certificates with respect to the
preceding Monthly Period.  The Transferor hereby assigns, sets-over, conveys, pledges and grants a security
interest and lien to the Trustee for the benefit of the Investor Certificateholders in Interchange and the
proceeds of Interchange, as set forth in this subsection 3(b).  In connection with the foregoing grant of a
security interest, this Series Supplement shall constitute a security agreement under applicable law.  To the
extent that a Supplement for a related Series, other than Series 2001-B, assigns, sets-over, conveys, pledges or
grants a security interest in Interchange allocable to the Trust, all Investor Certificates of any such Series
(except as otherwise specified in any such Supplement) and the Investor Certificates shall rank pari passu and be
equally and ratably entitled as provided herein to the benefits of such Interchange without preference or
priority on account of the actual time or times of authentication and delivery, all in accordance with the terms
and provisions of this Series Supplement and other related Supplements.

                  SECTION 4.          Reassignment and Transfer Terms.  The Investor Certificates shall be
subject to retransfer to the Transferor (so long as the Transferor is the Servicer or an Affiliate of the
Servicer) at its option, in accordance with the terms specified in subsection 12.02(a), on any Distribution Date
on or after the Distribution Date on which the sum of the Class A Investor Interest, the Class B Investor
Interest and the Collateral Interest Amount is

                                                        21






reduced to an amount less than or equal to 5% of the sum of the Class A Initial Investor Interest, the Class B Initial
Investor Interest, and the Collateral Interest Initial Amount.  The deposit required in connection with any such
repurchase shall include the amount, if any, on deposit in the Principal Funding Account and will be equal to the sum
of (a) the Class A Investor Interest, the Class B Investor Interest and the Collateral Interest Amount and (b) accrued
and unpaid interest on the Investor Certificates through the day preceding the Distribution Date on which the repurchase
occurs.

                  SECTION 5.        Delivery of the Class D Certificate.  The Transferor shall execute and deliver
the Class D Certificate to the Trustee for authentication in accordance with Section 6.01 of the Agreement.  The
Trustee shall deliver such Class D Certificate when authenticated in accordance with Section 6.02 of the
Agreement.

                  SECTION 6.          Form of Delivery of the Certificates; Depository; Denominations.

                  (a)      The Certificates shall be delivered as Book-Entry Certificates as provided in Sections
6.01 and 6.10 of the Agreement.

                  (b)      The Depository for the Certificates shall be The Depository Trust Company, and the
Certificates shall be initially registered in the name of Cede & Co., its nominee.

                  (c)      The Certificates are issuable in minimum denominations of $1,000 and integral
multiples of that amount.

                  SECTION 7.          Article IV of the Agreement.  Sections 4.01, 4.02 and 4.03 shall be read in
their entirety as provided in the Agreement.  Article IV (except for Sections 4.01, 4.02 and 4.03 thereof) shall
be read in its entirety as follows and shall be applicable only to the Investor Certificates:

                                                    ARTICLE IV
                                         RIGHTS OF CERTIFICATEHOLDERS AND
                                     ALLOCATION AND APPLICATION OF COLLECTIONS

                  SECTION 4.04      Rights of Certificateholders and the Collateral Interest Holder.  The Investor
Certificates shall represent undivided interests in the Trust, consisting of the right to receive, to the extent
necessary to make the required payments with respect to such Investor Certificates at the times and in the
amounts specified in this Agreement, (a) the Floating Investor Percentage and Fixed Investor Percentage (as
applicable from time to time) of Collections received with respect to the Receivables and (b) funds on deposit in
the Collection Account, the Finance Charge Account, the Principal Account, the Principal Funding Account, the
Reserve Account and the Distribution Account.  The Class D Certificates shall be subordinate to the Class A
Certificates, the Class B Certificates and the Collateral Interest.  The Collateral Interest shall be subordinate
to the Class A Certificates and the Class B Certificates.  The Class B Certificates shall be subordinate to the
Class A Certificates.  The Transferor Interest

                                                        22






shall not represent any interest in the Collection Account, the Finance Charge Account, the Principal Account, the
Principal Funding Account, the Reserve Account or the Distribution Account, except as specifically provided in this
Article IV.

                  SECTION 4.05      Allocations.

                  (a)      Allocations During the Revolving Period.  During the Revolving Period, the Servicer
shall, prior to the close of business on the day any Collections are deposited in the Collection Account,
allocate to the Investor Certificateholders or the Holder of the Transferor Interest and pay or deposit from the
Collection Account the following amounts as set forth below:

                  (i)      Allocate to the Investor Certificateholders the product of (y) the Investor Percentage
         on the Date of Processing of such Collections and (z) the aggregate amount of Collections of Finance
         Charge Receivables on such Date of Processing, and of that allocation, deposit in the Finance Charge
         Account an amount equal to either (I) (A) prior to the date on which the amount of Monthly Interest with
         respect to the related Interest Period is determined by the Servicer, an amount equal to the product of
         (1) the Investor Percentage on the Date of Processing of such Collections and (2) the aggregate amount
         of Collections of Finance Charge Receivables on such Date of Processing, and (B) at all other times, the
         difference between (1) the Monthly Interest with respect to the immediately following Transfer Date and
         (2) the amounts previously deposited in the Finance Charge Account with respect to the current Monthly
         Period pursuant to this subsection 4.05(a)(i) or (II) the amount of Collections of Finance Charge
         Receivables allocated to the Investor Certificateholders on such Date of Processing pursuant to this
         subsection 4.05(a)(i); provided, that if a deposit pursuant to subsection 4.05(a)(i)(I) is made on any
         Date of Processing, on the related Transfer Date, the Servicer shall withdraw from the Collection
         Account and deposit into the Finance Charge Account an amount equal to the amount of Collections of
         Finance Charge Receivables that have been allocated to the Investor Certificateholders during the
         related Monthly Period but not previously deposited in the Finance Charge Account.  Funds deposited into
         the Finance Charge Account pursuant to this subsection 4.05(a)(i) shall be applied in accordance with
         Section 4.09.

                  (ii)     Deposit into the Principal Account an amount equal to the product of (A) the Class D
         Investor Allocation on the Date of Processing of such Collections, (B) the Investor Percentage on the
         Date of Processing of such Collections and (C) the aggregate amount of Collections processed in respect
         of Principal Receivables on such Date of Processing to be applied first in accordance with Section 4.12
         and then in accordance with subsection 4.09(e).

                  (iii)    Deposit into the Principal Account an amount equal to the product of (A) the
         Collateral Allocation on the Date of Processing of such Collections, (B) the Investor Percentage on the
         Date of Processing of such Collections and (C) the aggregate amount of Collections processed in respect
         of Principal Receivables on such Date of Processing

                                                        23






         to be applied first in accordance with Section 4.12 and then in accordance with subsection 4.09(e).

                  (iv)     Deposit into the Principal Account an amount equal to the product of (A) the Class B
         Investor Allocation on the Date of Processing of such Collections, (B) the Investor Percentage on the
         Date of Processing of such Collections and (C) the aggregate amount of Collections processed in respect
         of Principal Receivables on such Date of Processing to be applied first in accordance with Section 4.12
         and then in accordance with subsection 4.09(e).

                  (v)      (A) Deposit into the Principal Account an amount equal to the product of (1) the Class
         A Investor Allocation on the Date of Processing of such Collections, (2) the Investor Percentage on the
         Date of Processing of such Collections and (3) the aggregate amount of Collections processed in respect
         of Principal Receivables on such Date of Processing; provided, however, that the amount deposited into
         the Principal Account pursuant to this subsection 4.05(a)(v)(A) shall not exceed the Daily Principal
         Shortfall, and (B) pay to the Holder of the Transferor Interest an amount equal to the excess, if any,
         identified in the proviso to clause (A) above; provided, however, that the amount to be paid to the
         Holder of the Transferor Interest pursuant to this subsection 4.05(a)(v)(B) with respect to any Date of
         Processing shall be paid to the Holder of the Transferor Interest if, and only to the extent that, the
         Transferor Interest on such Date of Processing is equal to or greater than the Minimum Transferor
         Interest (after giving effect to the inclusion in the Trust of all Receivables created on or prior to
         such Date of Processing and the application of payments referred to in subsection 4.03(b)) and otherwise
         shall be considered as Unallocated Principal Collections and deposited into the Principal Account in
         accordance with subsection 4.05(d).

                  Allocations During the Controlled Accumulation Period.  During the Controlled Accumulation
Period, the Servicer shall, prior to the close of business on the day any Collections are deposited in the
Collection Account, allocate to the Investor Certificateholders or the Holder of the Transferor Interest and pay
or deposit from the Collection Account the following amounts as set forth below:

                  (i)      Deposit into the Finance Charge Account an amount equal to the product of (A) the
         Investor Percentage on the Date of Processing of such Collections and (B) the aggregate amount of
         Collections processed in respect of Finance Charge Receivables on such Date of Processing to be applied
         in accordance with Section 4.09.

                  (ii)     Deposit into the Principal Account an amount equal to the product of (A) the Class D
         Investor Allocation on the Date of Processing of such Collections, (B) the Investor Percentage on the
         Date of Processing of such Collections and (C) the aggregate amount of Collections processed in respect
         of Principal Receivables on such Date of Processing to be applied first in accordance with Section 4.12
         and then in accordance with subsection 4.09(f).

                  (iii)    Deposit into the Principal Account an amount equal to the product of (A) the
         Collateral Allocation on the Date of Processing of such Collections, (B) the Investor

                                                        24






         Percentage on the Date of Processing of such Collections and (C) the aggregate amount of Collections processed
         in respect of Principal Receivables on such Date of Processing to be applied first in accordance with
         Section 4.12 and then in accordance with subsection 4.09(f).

                  (iv)     Deposit into the Principal Account an amount equal to the product of (A) the Class B
         Investor Allocation on the Date of Processing of such Collections, (B) the Investor Percentage on the
         Date of Processing of such Collections and (C) the aggregate amount of Collections processed in respect
         of Principal Receivables on such Date of Processing to be applied first in accordance with Section 4.12
         and then in accordance with subsection 4.09(f).

                  (v)      (A)  Deposit into the Principal Account an amount equal to the product of (1) the
         Class A Investor Allocation on the Date of Processing of such Collections, (2) the Investor Percentage
         on the Date of Processing of such Collections and (3) the aggregate amount of Collections processed in
         respect of Principal Receivables on such Date of Processing; provided, however, that the amount
         deposited into the Principal Account pursuant to this subsection 4.05(b)(v)(A) shall not exceed the
         Daily Principal Shortfall, and (B) pay to the Holder of the Transferor Interest an amount equal to the
         excess identified in the proviso to clause (A) above, if any; provided, however, that the amount to be
         paid to the Holder of the Transferor Interest pursuant to this subsection 4.05(b)(v)(B) with respect to
         any Date of Processing shall be paid to the Holder of the Transferor Interest if, and only to the extent
         that, the Transferor Interest on such Date of Processing is equal to or greater than the Minimum
         Transferor Interest (after giving effect to the inclusion in the Trust of all Receivables created on or
         prior to such Date of Processing and the application of payments referred to in subsection 4.03(b)) and
         otherwise shall be considered as Unallocated Principal Collections and deposited into the Principal
         Account in accordance with subsection 4.05(d).

                  (c)      Allocations During the Rapid Amortization Period.  During the Rapid Amortization
Period, the Servicer shall, prior to the close of business on the day any Collections are deposited in the
Collection Account, allocate to the Investor Certificateholders and pay or deposit from the Collection Account
the following amounts as set forth below:

                  (i)      Deposit into the Finance Charge Account an amount equal to the product of (A) the
         Investor Percentage on the Date of Processing of such Collections and (B) the aggregate amount of
         Collections processed in respect of Finance Charge Receivables on such Date of Processing to be applied
         in accordance with Section 4.09.

                  (ii) (A) Deposit into the Principal Account an amount equal to the product of (1) the Investor
         Percentage on the Date of Processing of such Collections and (2) the aggregate amount of Collections
         processed in respect of Principal Receivables on such Date of Processing; provided, however, that the
         amount deposited into the Principal Account pursuant to this subsection 4.05(c)(ii)(A) shall not exceed
         the sum of the Adjusted Investor Interest as of the close of business on the last day of the prior
         Monthly Period (after taking into account any payments to be made on the Distribution Date relating to
         such prior Monthly Period and deposits and any adjustments to be made to the Investor Interest to be
         made on the Transfer Date relating to such Monthly Period)

                                                        25






         and any Reallocated Principal Collections relating to the Monthly Period in which such deposit is made and
         (B) pay to the Holder of the Transferor Interest an amount equal to the excess, if any, identified in the
         proviso to clause (A) above; provided, however, that the amount to be paid to the Holder of the Transferor
         Interest pursuant to this subsection 4.05(c)(ii)(B) with respect to any Date of Processing shall be paid to
         the Holder of the Transferor Interest if, and only to the extent that, the Transferor Interest on such Date
         of Processing is equal to or greater than the Minimum Transferor Interest (after giving effect to the inclusion
         in the Trust of all Receivables created on or prior to such Date of Processing and the application of payments
         referred to in subsection 4.03(b)) and otherwise shall be considered as Unallocated Principal
         Collections and deposited into the Principal Account in accordance with subsection 4.05(d).

                  (d)      Unallocated Principal Collections.  Any Collections in respect of Principal
Receivables or Finance Charge Receivables not allocated and paid to the Holder of the Transferor Interest because
of the limitations contained in subsections 4.05(a)(v)(B), 4.05(b)(v)(B) and 4.05(c)(ii)(B) and any amounts
allocable to the Investor Certificates deposited in the Principal Account pursuant to subsections 2.04(d)(iii)
and 4.03(c) ("Unallocated Principal Collections") shall be held in the Principal Account and, prior to the
commencement of the Controlled Accumulation Period or the Rapid Amortization Period shall be paid to the Holder
of the Transferor Interest if, and only to the extent that, the Transferor Interest is greater than the Minimum
Transferor Interest.  For each Transfer Date with respect to the Controlled Accumulation Period or the Rapid
Amortization Period, any such Unallocated Principal Collections held in the Principal Account on such Transfer
Date shall be included in the Investor Principal Collections which to the extent available shall be distributed
as Available Investor Principal Collections to be applied pursuant to Section 4.09 on such Transfer Date.

                  With respect to the Investor Certificates, and notwithstanding anything in the Agreement or
this Series Supplement to the contrary, whether or not the Servicer is required to make monthly or daily deposits
from the Collection Account into the Finance Charge Account or the Principal Account pursuant to subsections
4.05(a), 4.05(b) and 4.05(c), with respect to any Monthly Period (i) the Servicer will only be required to
deposit Collections from the Collection Account into the Finance Charge Account or the Principal Account up to
the required amount to be deposited into any such deposit account or, without duplication, distributed on or
prior to the related Distribution Date to the Investor Certificateholders and (ii) if at any time prior to such
Distribution Date the amount of Collections deposited in the Collection Account exceeds the amount required to be
deposited pursuant to clause (i) above, the Servicer will be permitted to withdraw the excess from the Collection
Account.

                  SECTION 4.06        Determination of Monthly Interest.

                  (a)      The amount of monthly interest distributable with respect to the Class A Certificates
shall be an amount equal to the product of (i)(A) a fraction, the numerator of which is the actual number of days
in the related Interest Period and the denominator of which is 360, times (B) the Class A Certificate Rate in
effect with respect to the related Interest Period, times (ii) the outstanding principal balance of the Class A
Certificates determined as of the Record Date preceding the related Transfer Date (the "Class A Monthly
Interest"); provided, however, that in addition to Class A Monthly Interest an amount equal to the amount of any
unpaid Class A Deficiency Amounts, as defined below, plus an amount equal to the product of (A) (1) a fraction,
the numerator of which is the actual number of days in the related Interest Period and


                                                        26






the denominator of which is 360, times (2) the sum of the Class A Certificate Rate in effect with respect to the
related Interest Period, plus 2% per annum, and (B) any Class A Deficiency Amount from the prior Transfer Date, as
defined below (or the portion thereof which has not theretofore been paid to Class A Certificateholders) (the
"Class A Additional Interest") shall also be distributable to the Class A Certificates, and on such Transfer Date
the Trustee shall deposit such funds, to the extent available, into the Distribution Account; provided further, that
the "Class A Deficiency Amount" for any Transfer Date shall be equal to the excess, if any, of the aggregate amount
accrued pursuant to this subsection 4.06(a) as of the prior Interest Period over the amount actually transferred to
the Distribution Account for payment of such amount. Class A Monthly Interest shall be calculated on the basis of the
actual number of days in the related Interest Period and a 360-day year.

                  (b)      The amount of monthly interest distributable with respect to the Class B Certificates
shall be an amount equal to the product of (i)(A) a fraction, the numerator of which is the actual number of days
in the related Interest Period and the denominator of which is 360, times (B) the Class B Certificate Rate in
effect with respect to the related Interest Period, times (ii) the outstanding principal balance of the Class B
Certificates determined as of the Record Date preceding the related Transfer Date (the "Class B Monthly
Interest"); provided, however, that in addition to the Class B Monthly Interest an amount equal to the amount of
any unpaid Class B Deficiency Amounts, as defined below, plus an amount equal to the product of (A) (1) a
fraction, the numerator of which is the actual number of days in the related Interest Period and the denominator
of which is 360, times (2) the sum of the Class B Certificate Rate in effect with respect to the related Interest
Period, plus 2% per annum, and (B) any Class B Deficiency Amount from the prior Transfer Date, as defined below
(or the portion thereof which has not theretofore been paid to Class B Certificateholders) (the "Class B
Additional Interest") shall also be distributable to the Class B Certificates, and on such Transfer Date the
Trustee shall deposit such funds, to the extent available, into the Distribution Account; provided further, that
the "Class B Deficiency Amount" for any Transfer Date shall be equal to the excess, if any, of the aggregate
amount accrued pursuant to this subsection 4.06(b) as of the prior Interest Period over the amount actually
transferred to the Distribution Account for payment of such amount.  Class B Monthly Interest shall be calculated
on the basis of the actual number of days in the related Interest Period and a 360-day year.

                  (c)      The amount of monthly interest distributable with respect to the Collateral Interest
shall be an amount equal to one-twelfth of the product of (i) the Collateral Minimum Rate, times (ii) the
Collateral Interest Initial Amount less the aggregate amount distributed to the Collateral Interest Holder with
respect to the Collateral Monthly Principal for all prior Transfer Dates (the "Collateral Minimum Monthly
Interest").  Collateral Minimum Monthly Interest shall be calculated on the basis of a 360-day year consisting of
twelve 30-day months.

                  SECTION 4.07        Determination of Monthly Principal.

                  (a)      The amount of monthly principal distributable from the Principal Account with respect
to the Class A Certificates on each Transfer Date (the "Class A Monthly Principal"), beginning with the Transfer
Date in the month following the month in which the Controlled Accumulation Period or, if earlier, the Rapid
Amortization Period, begins, shall be equal to the least of (i) the Available Investor Principal Collections on
deposit in the Principal Account with respect to such Transfer Date, (ii) for each Transfer Date with respect to
the Controlled Accumulation Period, the Controlled Deposit Amount for such Transfer Date and (iii) the Class


                                                        27






A Adjusted Investor Interest  (after taking into account any adjustments to be made on such Transfer Date pursuant
to Section 4.10) prior to any deposit into the Principal Funding Account on such Transfer Date.

                  (b)      The amount of monthly principal distributable from the Principal Account with respect
to the Class B Certificates on each Transfer Date (the "Class B Monthly Principal"), with respect to the
Controlled Accumulation Period, beginning with the Transfer Date on which an amount equal to the Class A Investor
Interest has been deposited in the Principal Funding Account (after taking into account any deposits to be made
on such Transfer Date), or during the Rapid Amortization Period, beginning with the Transfer Date immediately
preceding the Distribution Date on which the Class A Investor Interest will be paid in full (after taking into
account payments to be made on the related Distribution Date), shall be an amount equal to the least of (i) the
Available Investor Principal Collections on deposit in the Principal Account with respect to such Transfer Date
(minus the portion of such Available Investor Principal Collections applied to Class A Monthly Principal on such
Transfer Date), (ii) for each Transfer Date with respect to the Controlled Accumulation Period, the Controlled
Deposit Amount for such Transfer Date (minus the Class A Monthly Principal with respect to such Transfer Date)
and (iii) the Class B Adjusted Investor Interest (after taking into account any adjustments to be made on such
Transfer Date pursuant to Sections 4.10 and 4.12) prior to any deposit into the Principal Funding Account on such
Transfer Date.

                  (c)      The amount of monthly principal distributable from the Principal Account with respect
to the Collateral Interest on each Transfer Date (the "Collateral Monthly Principal"), with respect to the
Controlled Accumulation Period, beginning with the Transfer Date on which an amount equal to the sum of (i) the
Class A Investor Interest and (ii) the Class B Investor Interest has been deposited in the Principal Funding
Account (after taking into account any deposits to be made on such Transfer Date), or during the Rapid
Amortization Period, beginning with the Transfer Date immediately preceding the Distribution Date on which the
Class B Investor Interest will be paid in full (after taking into account payments to be made on the related
Distribution Date), shall be an amount equal to the least of (i) the Available Investor Principal Collections on
deposit in the Principal Account with respect to such Transfer Date (minus the portion of such Available Investor
Principal Collections applied to Class A Monthly Principal and Class B Monthly Principal on such Transfer Date),
(ii) for each Transfer Date with respect to the Controlled Accumulation Period, the Controlled Deposit Amount for
such Transfer Date (minus the Class A Monthly Principal and Class B Monthly Principal with respect to such
Transfer Date) and (iii) the Collateral Interest Adjusted Amount (after taking into account any adjustments to be
made on such Transfer Date pursuant to Sections 4.10 and 4.12) prior to any deposit into the Principal Funding
Account on such Transfer Date.

                  (d)      The amount of monthly principal distributable from the Principal Account with respect
to the Class D Certificates on each Transfer Date (the "Class D Monthly Principal") with respect to the
Controlled Accumulation Period, beginning with the Transfer Date on which an amount equal to the sum of (i) the
Class A Investor Interest, (ii) the Class B Investor Interest and (iii) the Collateral Interest Amount has been
deposited in the Principal Funding Account (after taking into account any deposits to be made on such Transfer
Date), or during the Rapid Amortization Period, beginning with the Transfer Date immediately preceding the
Distribution Date on which the Collateral Interest Amount will be paid in full (after taking into account
payments to be made on the related Distribution Date), shall be an amount equal to the least of


                                                        28






(i) the Available Investor Principal Collections on deposit in the Principal Account with respect to such Transfer Date
(minus the portion of such Available Investor Principal Collections applied to Class A Monthly Principal, Class B Monthly
Principal and Collateral Monthly Principal on such Transfer Date), (ii) for each Transfer Date with respect to the
Controlled Accumulation Period, the Controlled Deposit Amount for such Transfer Date (minus the Class A Monthly
Principal, Class B Monthly Prinicpal and Collateral Monthly Principal with respect to such Transfer Date) and (iii)
the Class D Adjusted Investor Interest (after taking into account any adjustments to be made on such Transfer Date
pursuant to Sections 4.10 and 4.12) prior to any deposit into the Principal Funding Account on such Transfer Date.

                  SECTION 4.08        Coverage of Required Amount.

                  (a)      On or before each Transfer Date, the Servicer shall determine the amount (the "Class A
Required Amount"), if any, by which the sum of (i) the Class A Monthly Interest for such Transfer Date, plus (ii)
the Class A Deficiency Amount, if any, for such Transfer Date, plus (iii) the Class A Additional Interest, if
any, for such Transfer Date, plus (iv) the Class A Servicing Fee for the prior Monthly Period, plus (v) the Class
A Servicing Fee, if any, due but not paid on any prior Transfer Date, plus (vi) the Class A Investor Default
Amount, if any, for the prior Monthly Period, exceeds the Class A Available Funds for the related Monthly Period.

                  (b)      On or before each Transfer Date, the Servicer shall also determine the amount (the
"Class B Required Amount"), if any, equal to the sum of (i) the amount, if any, by which the sum of (A) the Class
B Monthly Interest for such Transfer Date, plus (B) the Class B Deficiency Amount, if any, for such Transfer
Date, plus (C) the Class B Additional Interest, if any, for such Transfer Date, plus (D) the Class B Servicing
Fee for the prior Monthly Period, plus (E) the Class B Servicing Fee, if any, due but not paid on any prior
Transfer Date, exceeds the Class B Available Funds for the related Monthly Period, plus (ii) the Class B Investor
Default Amount, if any, for the prior Monthly Period.

                  (c)      On or before each Transfer Date, the Servicer shall also determine the amount (the
"Collateral Required Amount"), if any, equal to the amount, if any, by which the sum of amounts owed pursuant to
subsections 4.11(e) through (g) exceeds the amount of Excess Spread available to pay such amounts with respect to
such Transfer Date.

                  (d)      In the event that the sum of the Class A Required Amount, the Class B Required Amount
and the Collateral Required Amount for such Transfer Date is greater than zero, the Servicer shall give written
notice to the Trustee of such positive Class A Required Amount, Class B Required Amount or Collateral Required
Amount on or before such Transfer Date.  In the event that the Class A Required Amount for such Transfer Date is
greater than zero, all or a portion of the Excess Spread with respect to such Transfer Date in an amount equal to
the Class A Required Amount, to the extent available, for such Transfer Date shall be distributed from the
Finance Charge Account on such Transfer Date pursuant to subsection 4.11(a).  In the event that the Class A
Required Amount for such Transfer Date exceeds the amount of Excess Spread with respect to such Transfer Date,
the Collections of Principal Receivables allocable to the Class D Certificates, the Collections of Principal
Receivables allocable to the Collateral Interest, and the Collections of Principal Receivables allocable to the
Class B Certificates with respect to the prior Monthly Period shall be applied as specified in Section 4.12.  In
the event that the Class B Required Amount for such Transfer Date exceeds the amount of Excess Spread available
to fund the Class B Required Amount pursuant to subsection 4.11(c), the Collections of

                                                        29






Principal Receivables allocable to the Class D Certificates and the Collections of Principal Receivables allocable to
the Collateral Interest (after application to the Class A Required Amount) shall be applied as specified in Section 4.12.
In the event that the Collateral Required Amount for such Transfer Date is greater than zero, the Collections of
Principal Receivables allocable to the Class D Certificates (after application to the Class A Required Amount and
the Class B Required Amount) shall be applied as specified in Section 4.12; provided, however, that
the sum of any payments pursuant to this paragraph shall not exceed the sum of the Class A Required Amount, the
Class B Required Amount and the Collateral Required Amount.

                  SECTION 4.09        Monthly Payments.  On or before each Transfer Date, the Servicer shall
instruct the Trustee in writing (which writing shall be substantially in the form of Exhibit B hereto) to
withdraw and the Trustee, acting in accordance with such instructions, shall withdraw on such Transfer Date or
the related Distribution Date, as applicable, to the extent of available funds, the amounts required to be
withdrawn from the Finance Charge Account, the Principal Account, the Principal Funding Account and the
Distribution Account as follows:

                  (a)      An amount equal to the Class A Available Funds deposited into the Finance Charge
Account for the related Monthly Period will be distributed on each Transfer Date in the following priority:

                  (i)      an amount equal to the Class A Monthly Interest for such Transfer Date, plus the
         amount of any Class A Deficiency Amount for such Transfer Date, plus the amount of any Class A
         Additional Interest for such Transfer Date, shall be deposited by the Servicer or the Trustee into the
         Distribution Account;

                  (ii)     an amount equal to the Class A Servicing Fee for such Transfer Date plus the amount of
         any Class A Servicing Fee due but not paid to the Servicer on any prior Transfer Date shall be
         distributed to the Servicer;

                  (iii)    an amount equal to the Class A Investor Default Amount, if any, for the preceding
         Monthly Period shall be treated as a portion of Investor Principal Collections and deposited into the
         Principal Account on such Transfer Date; and

                  (iv)     the balance, if any, shall constitute Excess Spread and shall be allocated and
         distributed as set forth in Section 4.11.

                  (b)      An amount equal to the Class B Available Funds deposited into the Finance Charge
Account for the related Monthly Period will be distributed on each Transfer Date in the following priority:

                  (i)      an amount equal to the Class B Monthly Interest for such Transfer Date, plus the
         amount of any Class B Deficiency Amount for such Transfer Date, plus the amount of any Class B
         Additional Interest for such Transfer Date, shall be deposited by the Servicer or the Trustee into the
         Distribution Account;

                  (ii)     an amount equal to the Class B Servicing Fee for such Transfer Date, plus the amount
         of any Class B Servicing Fee due but not paid to the Servicer on any prior Transfer Date for such
         Transfer Date shall be distributed to the Servicer; and

                  (iii)    the balance, if any, shall constitute Excess Spread and shall be allocated and
         distributed as set forth in Section 4.11.

                                                        30






                  (c)      An amount equal to the Collateral Available Funds deposited into the Finance Charge
Account for the related Monthly Period will be distributed on each Transfer Date in the following priority:

                  (i)      if FIA or The Bank of New York Mellon is no longer the Servicer, an amount equal to
         the Collateral Interest Servicing Fee for such Transfer Date plus the amount of any Collateral Interest
         Servicing Fee due but not paid to the Servicer on any prior Transfer Date shall be distributed to the
         Servicer; and

                  (ii)     the balance, if any, shall constitute Excess Spread and shall be allocated and
         distributed as set forth in Section 4.11.

                  (d)      An amount equal to the Class D Available Funds deposited into the Finance Charge
Account for the related Monthly Period will be distributed on each Transfer Date in the following priority:

                  (i)      if FIA or The Bank of New York Mellon is no longer the Servicer, an amount equal to
         the Class D Servicing Fee for such Transfer Date plus the amount of any Class D Servicing Fee due but
         not paid to the Servicer on any prior Transfer Date shall be distributed to the Servicer; and

                  (ii)     the balance, if any, shall constitute Excess Spread and shall be allocated and
         distributed as set forth in Section 4.11.

                  (e)      During the Revolving Period, an amount equal to the Available Investor Principal
Collections deposited into the Principal Account for the related Monthly Period will be distributed on each
Transfer Date in the following priority:

                  (i)      an amount equal to the lesser of (A) the product of (1) a fraction, the numerator of
         which is equal to the Available Investor Principal Collections for such Transfer Date and the
         denominator of which is equal to the sum of the Available Investor Principal Collections available for
         sharing as specified in the related Series Supplement for each Series in Group One and (2) the
         Cumulative Series Principal Shortfall and (B) Available Investor Principal Collections, shall remain in
         the Principal Account to be treated as Shared Principal Collections and applied to Series in Group One
         other than this Series 2001-B; and

                  (ii)     an amount equal to the excess, if any, of (A) the Available Investor Principal
         Collections for such Transfer Date over (B) the applications specified in subsection 4.09(d)(i) above
         shall be paid to the Holder of the Transferor Interest; provided, however, that the amount to be paid to
         the Holder of the Transferor Interest pursuant to this subsection 4.09(d)(ii) with respect to such
         Transfer Date shall be paid to the Holder of the Transferor Interest if, and only to the extent that,
         the Transferor Interest on such Date of Processing is equal to or greater than the Minimum Transferor
         Interest (after giving effect to the inclusion in the Trust of all Receivables created on or prior to
         such Transfer Date and the application of payments referred to in subsection 4.03(b)) and otherwise
         shall be considered as Unallocated Principal Collections and deposited into the Principal Account in
         accordance with subsection 4.05(d).


                                                        31






                  (f)      During the Controlled Accumulation Period or the Rapid Amortization Period, an amount
equal to the Available Investor Principal Collections deposited into the Principal Account for the related
Monthly Period will be distributed on each Transfer Date in the following priority:

                  (i)      an amount equal to the Class A Monthly Principal for such Transfer Date, shall be (A)
         during the Controlled Accumulation Period, deposited into the Principal Funding Account, and (B) during
         the Rapid Amortization Period, deposited into the Distribution Account;

                  (ii)     after giving effect to the distribution referred to in clause (i) above, an amount
         equal to the Class B Monthly Principal, shall be (A) during the Controlled Accumulation Period,
         deposited into the Principal Funding Account, and (B) during the Rapid Amortization Period, deposited
         into the Distribution Account;

                  (iii)    after giving effect to the distributions referred to in clauses (i) and (ii) above, an
         amount equal to the Collateral Monthly Principal shall be (A) during the Controlled Accumulation Period,
         deposited into the Principal Funding Account, and (B) during the Rapid Amortization Period, distributed
         to the Collateral Interest Holder in accordance with subsection 5.01(c);

                  (iv)     after giving effect to the distribution referred to in clauses (i), (ii) and (iii) above, an
         amount equal to the Class D Monthly Principal shall be (A) during the Controlled Accumulation Period,
         deposited into the Principal Funding Account, and (B) during the Rapid Amortization Period, deposited
         into the Distribution Account;

                  (v)      an amount equal to the lesser of (A) the product of (1) a fraction, the numerator of
         which is equal to the Available Investor Principal Collections remaining after the application specified
         in subsections 4.09(f)(i), (ii), (iii) and (iv) above and the denominator of which is equal to the sum
         of the Available Investor Principal Collections available for sharing as specified in the related Series
         Supplement for each Series in Group One and (2) the Cumulative Series Principal Shortfall and (B) the
         Available Investor Principal Collections remaining after the application specified in subsections
         4.09(f)(i), (ii), (iii) and (iv) above, shall remain in the Principal Account to be treated as Shared
         Principal Collections and applied to Series in Group One other than this Series 2001-B; and

                  (vi)     an amount equal to the excess, if any, of (A) the Available Investor Principal
         Collections over (B) the applications specified in subsections 4.09(f)(i) through (iv) above shall be
         paid to the Holder of the Transferor Interest; provided, however, that the amount to be paid to the
         Holder of the Transferor Interest pursuant to this subsection 4.09(f)(v) with respect to such Transfer
         Date shall be paid to the Holder of the Transferor Interest if, and only to the extent that, the
         Transferor Interest on such Date of Processing is equal to or greater than the Minimum Transferor
         Interest (after giving effect to the inclusion in the Trust of all Receivables created on or prior to
         such Transfer Date and the application of payments referred to in subsection 4.03(b)) and otherwise
         shall be considered as Unallocated Principal Collections and deposited into the Principal Account in
         accordance with subsection 4.05(d).



                                                        32






          (g)      On the earlier to occur of (i) the first Transfer Date with respect to the Rapid
Amortization Period and (ii) the Transfer Date immediately preceding the Scheduled Payment Date, the Trustee,
acting in accordance with instructions from the Servicer, shall withdraw from the Principal Funding Account and
(A) deposit in the Distribution Account, the amount deposited into the Principal Funding Account pursuant to
subsections 4.09(f)(i) and 4.09(f)(ii) and (B) pay to the Collateral Interest Holder in accordance with
subsection 5.01(c), the amount deposited into the Principal Funding Account pursuant to subsection 4.09(f)(iii).

                  (h)      On each Distribution Date, the Trustee shall pay in accordance with Section 5.01 (i)
to the Class A Certificateholders from the Distribution Account, the amount deposited into the Distribution
Account pursuant to subsection 4.09(a)(i) on the preceding Transfer Date and (ii) to the Class B
Certificateholders from the Distribution Account, the amount deposited into the Distribution Account pursuant to
subsection 4.09(b)(i) on the preceding Transfer Date.

                  (i)      On the earlier to occur of (i) the first Distribution Date with respect to the Rapid
Amortization Period and (ii) the Scheduled Payment Date and on each Distribution Date thereafter, the Trustee,
acting in accordance with instructions from the Servicer, shall pay in accordance with Section 5.01 from the
Distribution Account the amount so deposited into the Distribution Account pursuant to subsections 4.09(f) and (g)
on the related Transfer Date in the following priority:

                  (i)      an amount equal to the lesser of such amount on deposit in the Distribution Account
         and the Class A Investor Interest shall be paid to the Class A Certificateholders; and

                  (ii)     after giving effect to the distributions referred to in clause (i) above, an amount
         equal to the lesser of such amount on deposit in the Distribution Account and the Class B Investor
         Interest shall be paid to the Class B Certificateholders.

                  (j)      The Controlled Accumulation Period is scheduled to commence at the close of business
on February 28, 2010; provided, however, that, if the Accumulation Period Length (determined as described below)
is less than 12 months, the date on which the Controlled Accumulation Period actually commences will be delayed
to the first Business Day of the month that is the number of whole months prior to the Scheduled Payment Date at
least equal to the Accumulation Period Length and, as a result, the number of Monthly Periods in the Controlled
Accumulation Period will at least equal the Accumulation Period Length.  On the Determination Date immediately
preceding the February 2010 Distribution Date, and each Determination Date thereafter until the Controlled
Accumulation Period begins, the Servicer will determine the "Accumulation Period Length" which will equal the
number of whole months such that the sum of the Accumulation Period Factors for each month during such period
will be equal to or greater than the Required Accumulation Factor Number; provided, however, that the
Accumulation Period Length will not be determined to be less than one month; provided further, however, that


                                                        33





the determination of the Accumulation Period Length may be changed at any time if the Rating Agency Condition
is satisfied.

                  SECTION 4.10        Investor Charge-Offs.

                  (a)      On or before each Transfer Date, the Servicer shall calculate the Class A Investor
Default Amount.  If on any Transfer Date, the Class A Investor Default Amount for the prior Monthly Period
exceeds the sum of the amount allocated with respect thereto pursuant to subsection 4.09(a)(iii), subsection
4.11(a) and Section 4.12 with respect to such Monthly Period, the Class D Investor Interest (after giving effect
to reductions for any Class D Investor Charge-Offs and any Reallocated Principal Collections on such Transfer
Date) will be reduced by the amount of such excess, but not by more than the lesser of the Class A Investor
Default Amount and the Class D Investor Interest (after giving effect to reductions for any Class D Investor
Charge-Offs and any Reallocated Principal Collections on such Transfer Date) for such Transfer Date.  In the
event that such reduction would cause the Class D Investor Interest to be a negative
number, the Class D Investor Interest will be reduced to zero, and the Collateral Interest Amount (after giving
effect to reductions for any Collateral Charge-Offs and any Reallocated Collateral Principal Collections on such
Transfer Date) will be reduced by the amount by which the Class D Investor Interest would have been reduced below
zero.  In the event that such reduction would cause the Collateral Interest Amount to be a negative number, the
Collateral Interest Amount will be reduced to zero, and the Class B Investor Interest (after giving effect to
reductions for any Class B Investor Charge-Offs and any Reallocated Class B Principal Collections on such
Transfer Date) will be reduced by the amount by which the Collateral Interest Amount would have been reduced
below zero.  In the event that such reduction would cause the Class B Investor Interest to be a negative number,
the Class B Investor Interest will be reduced to zero, and the Class A Investor Interest will be reduced by the
amount by which the Class B Investor Interest would have been reduced below zero, but not by more than the Class
A Investor Default Amount for such Transfer Date (a "Class A Investor Charge-Off").  If the Class A Investor
Interest has been reduced by the amount of any Class A Investor Charge-Offs, it will be reimbursed on any
Transfer Date (but not by an amount in excess of the aggregate Class A Investor Charge-Offs) by the amount of
Excess Spread allocated and available for such purpose pursuant to subsection 4.11(b).

                  (b)      On or before each Transfer Date, the Servicer shall calculate the Class B Investor
Default Amount.  If on any Transfer Date, the Class B Investor Default Amount for the prior Monthly Period
exceeds the amount of Excess Spread, Reallocated Collateral Principal Collections and Reallocated Class D
Principal Collections which are allocated and available to fund such amount pursuant to subsection 4.11(c) and
Section 4.12, the Class D Investor Interest (after giving effect to reductions for any Class D Investor
Charge-Offs and any Reallocated Principal Collections on such Transfer Date and any adjustments with respect
thereto as described in subsection 4.10(a) above) will be reduced by the amount of such excess but not by more
than the lesser of the Class B Investor Default Amount and the Class D Investor Interest (after giving effect to
reductions for any Class D Investor Charge-Offs and any Reallocated Principal Collections on such Transfer Date
and any adjustments with respect thereto as described in subsection 4.10(a) above) for such Transfer Date.  In
the event that such reduction would cause the Class D Investor Interest to be a negative number, the Class D
Investor Interest will be reduced to zero, and the Collateral Interest Amount (after giving effect to reductions
for any Collateral Charge-Offs and any Reallocated Collateral Principal Collections on such


                                                        34






Transfer Date) will be reduced by the amount by which the Class D Investor Interest would have been reduced below
zero.  In the event that such reduction would cause the Collateral Interest Amount to be a negative number, the
Collateral Interest Amount will be reduced to zero and the Class B Investor Interest will be reduced by the amount
by which the Collateral Interest Amount would have been reduced below zero, but not by more than the Class B Investor
Default Amount for such Transfer Date (a "Class B Investor Charge-Off").  The Class B Investor Interest will also be
reduced by the amount of Reallocated Class B Principal Collections in excess of the Collateral Interest Amount
pursuant to Section 4.12 and the amount of any portion of the Class B Investor Interest allocated to the Class A
Certificates to avoid a reduction in the Class A Investor Interest pursuant to subsection 4.10(a) above.  The
Class B Investor Interest will thereafter be reimbursed (but not to an amount in excess of the unpaid principal
balance of the Class B Certificates) on any Transfer Date by the amount of Excess Spread allocated and available
for that purpose as described under subsection 4.11(d).

                  (c)      On or before each Transfer Date, the Servicer shall calculate the Collateral Default
Amount.  If on any Transfer Date, the Collateral Default Amount for the prior Monthly Period exceeds the amount
of Excess Spread and Reallocated Class D Principal Collections which are allocated and available to fund such
amount pursuant to subsection 4.11(g) and Section 4.12, the Class D Investor Interest (after giving effect to
reductions for any Class D Investor Charge-Offs and any Reallocated Principal Collections on such Transfer Date
and any adjustments with respect thereto as described in subsections 4.10(a) and (b) above) will be reduced by
the amount of such excess but not by more than the lesser of the Collateral Default Amount and the Class D
Investor Interest (after giving effect to reductions for any Class D Investor Charge-Offs and any Reallocated
Principal Collections on such Transfer Date and any adjustments with respect thereto as described in subsections
4.10(a) and (b) above) for such Transfer Date.  In the event that such reduction would cause the Class D Investor
Interest to be a negative number, the Class D Investor Interest will be reduced to zero and the Collateral
Interest Amount will be reduced by the amount by which the Class D Investor Interest would have been reduced
below zero, but not by more than the Collateral Default Amount for such Transfer Date (a "Collateral
Charge-Off").  The Collateral Interest Amount will also be reduced by the amount of Reallocated Collateral
Principal Collections in excess of the Class D Investor Interest pursuant to Section 4.12 and the amount of any
portion of the Collateral Interest Amount allocated to the Class A Certificates or the Class B Certificates to
avoid a reduction in the Class A Investor Interest, pursuant to subsection 4.10(a), or the Class B Investor
Interest, pursuant to subsection 4.10(b), respectively.  The Collateral Interest Amount will thereafter be
reimbursed (but not to an amount in excess of the unpaid principal balance of the Collateral Interest) on any
Transfer Date by the amount of Excess Spread allocated and available for that purpose as described under
subsection 4.11(h).

                  (d)      On or before each Transfer Date, the Servicer shall calculate the Class D Investor
Default Amount.  If on any Transfer Date, the Class D Investor Default Amount for the prior Monthly Period
exceeds the amount of Excess Spread which is allocated and available to fund such amount pursuant to subsection
4.11(l), the Class D Investor Interest will be reduced by the amount of such excess but not by more than the
lesser of the Class D Investor Default Amount and the Class D Investor Interest for such Transfer Date (a "Class
D Investor Charge-Off").  The Class D Investor Interest will also be reduced by the amount of Reallocated
Principal
                                                        35






Collections pursuant to Section 4.12 and the amount of any portion of the Class D Investor Interest allocated to
the Class A Certificates, the Class B Certificates or the Collateral Interest to avoid a reduction in the Class A
Investor Interest, pursuant to subsection 4.10(a), the Class B Investor Interest, pursuant to subsection 4.10(b),
or the Collateral Interest Amount, pursuant to subsection 4.10(c), respectively.  The Class D Investor Interest
will thereafter be reimbursed on any Transfer Date by the amount of Excess Spread allocated and available for that
purpose as described under subsection 4.11(m).

                  SECTION 4.11        Excess Spread.  On or before each Transfer Date, the Servicer shall
instruct the Trustee in writing (which writing shall be substantially in the form of Exhibit B hereto) to apply
Excess Spread with respect to the related Monthly Period to make the following distributions on each Transfer
Date in the following priority:


                  (a)      an amount equal to the Class A Required Amount, if any, with respect to such Transfer
Date will be used to fund the Class A Required Amount and be applied in accordance with, and in the priority set
forth in, subsection 4.09(a);

                  (b)      an amount equal to the aggregate amount of Class A Investor Charge-Offs which have not
been previously reimbursed will be treated as a portion of Investor Principal Collections and deposited into the
Principal Account on such Transfer Date;

                  (c)      an amount equal to the Class B Required Amount, if any, with respect to such Transfer
Date will be used to fund the Class B Required Amount and be applied first in accordance with, and in the
priority set forth in, subsection 4.09(b) and then any remaining amount available to pay the Class B Investor
Default Amount shall be treated as a portion of Investor Principal Collections and deposited into the Principal
Account on such Transfer Date;

                  (d)      an amount equal to the aggregate amount by which the Class B Investor Interest has
been reduced below the initial Class B Investor Interest for reasons other than the payment of principal to the
Class B Certificateholders (but not in excess of the aggregate amount of such reductions which have not been
previously reimbursed) will be treated as a portion of Investor Principal Collections and deposited into the
Principal Account on such Transfer Date;

                  (e)      an amount equal to the Collateral Minimum Monthly Interest plus the amount of any past
due Collateral Minimum Monthly Interest for such Transfer Date will be paid to the Collateral Interest Holder in
accordance with subsection 5.01(c);

                  (f)      if FIA or The Bank of New York Mellon is the Servicer, an amount equal to the
aggregate amount of accrued but unpaid Collateral Interest Servicing Fees will be paid to the Servicer;

                  (g)      an amount equal to the Collateral Default Amount, if any, for the prior Monthly Period
will be treated as a portion of Investor Principal Collections and deposited into the Principal Account on such
Transfer Date;

                  (h)      an amount equal to the aggregate amount by which the Collateral Interest Amount has
been reduced for reasons other than the payment of amounts with respect to the


                                                        36






Collateral Monthly Principal (but not in excess of the aggregate amount of such reductions which have not been
previously reimbursed) will be treated as a portion of Investor Principal Collections and deposited into the
Principal Account on such Transfer Date;

                  (i)      on each Transfer Date from and after the Reserve Account Funding Date, but prior to
the date on which the Reserve Account terminates as described in subsection 4.15(f), an amount up to the excess,
if any, of the Required Reserve Account Amount over the Available Reserve Account Amount shall be deposited into
the Reserve Account;

                  (j)      on each Transfer Date, an amount equal to the sum of the Note Reserve Deficiency and
the Administration Fee (as such terms are defined in the Transfer Agreement) as of such Transfer Date shall be
paid to the Collateral Interest Holder in accordance with subsection 5.01(c);

                  (k)      if FIA or The Bank of New York Mellon is the Servicer, an amount equal to the
aggregate amount of accrued but unpaid Class D Servicing Fees will be paid to the Servicer;

                  (l)      an amount equal to the Class D Investor Default Amount, if any, for the prior Monthly
Period will be treated as a portion of Investor Principal Collections and deposited into the Principal Account on
such Transfer Date;

                  (m)      an amount equal to the aggregate amount by which the Class D Investor Interest has
been reduced for reasons other than the payment of amounts with respect to the Class D Monthly Principal (but not
in excess of the aggregate amount of such reductions which have not been previously reimbursed) will be treated
as a portion of Investor Principal Collections and deposited into the Principal Account on such Transfer Date; and

                  (n)      the balance, if any, after giving effect to the payments made pursuant to
subparagraphs (a) through (m) above shall be paid to the Collateral Interest Holder in accordance with subsection
5.01(c).

                  SECTION 4.12        Reallocated Principal Collections.  On or before each Transfer Date, the
Servicer shall instruct the Trustee in writing (which writing shall be substantially in the form of Exhibit B
hereto) to withdraw from the Principal Account and apply Reallocated Principal Collections (applying all
Reallocated Class D Principal Collections in accordance with subsections 4.12(a), (b) and (c) prior to applying
any Reallocated Collateral Principal Collections or Reallocated Class B Principal Collections in accordance with
subsection 4.12(a) and (b), respectively, for any amounts still owing after the application of Reallocated Class
D Principal Collections, and, if the Class D Investor Interest has been reduced to zero, applying all Reallocated
Collateral Principal Collections in accordance with subsections 4.12(a) and (b) prior to applying any Reallocated
Class B Principal Collections in accordance with subsection 4.12(a) for any amounts still owing after the
application of Reallocated Collateral Principal Collections and Reallocated Class D Principal Collections) with
respect to such Transfer Date, to make the following distributions on each Transfer Date in the following
priority:



                                                        37






                  (a)      an amount equal to the excess, if any, of (i) the Class A Required Amount, if any,
with respect to such Transfer Date over (ii) the amount of Excess Spread with respect to the related Monthly
Period, shall be applied pursuant to subsections 4.09(a)(i), (ii) and (iii);

                  (b)      an amount equal to the excess, if any, of (i) the Class B Required Amount, if any,
with respect to such Transfer Date over (ii) the amount of Excess Spread allocated and available to the Class B
Certificates pursuant to subsection 4.11(c) on such Transfer Date shall be applied first pursuant to subsections
4.09(b)(i) and (ii) and then pursuant to subsection 4.11(c); and

                  (c)      an amount equal to the Collateral Required Amount, if any, with respect to such
Transfer Date shall be applied pursuant to subsections 4.11(e) through (g) on such Transfer Date.

                  (d)      On each Transfer Date, the Class D Investor Interest shall be reduced by the amount of
Reallocated Class D Principal Collections and by the amount of Reallocated Collateral Principal Collections and
Reallocated Class B Principal Collections for such Transfer Date.  In the event that such reduction would cause
the Class D Investor Interest (after giving effect to any Class D Investor Charge-Offs for such Transfer Date) to
be a negative number, the Class D Investor Interest (after giving effect to any Class D Investor Charge-Offs for
such Transfer Date) shall be reduced to zero and the Collateral Interest Amount shall be reduced by the amount by
which the Class D Investor Interest would have been reduced below zero.  In the event that the reallocation of
Reallocated Principal Collections would cause the Collateral Interest Amount (after giving effect to any
Collateral Charge-Offs for such Transfer Date) to be a negative number, the Collateral Interest Amount (after
giving effect to any Collateral Charge-Offs for such Transfer Date) shall be reduced to zero and the Class B
Investor Interest shall be reduced by the amount by which the Collateral Interest Amount would have been reduced
below zero.  In the event that the reallocation of Reallocated Principal Collections would cause the Class B
Investor Interest (after giving effect to any Class B Investor Charge-Offs for such Transfer Date) to be a
negative number on any Transfer Date, Reallocated Principal Collections shall be reallocated on such Transfer
Date in an aggregate amount not to exceed the amount which would cause the Class B Investor Interest (after
giving effect to any Class B Investor Charge-Offs for such Transfer Date) to be reduced to zero.

                  SECTION 4.13        Shared Principal Collections.

                  (a)      The portion of Shared Principal Collections on deposit in the Principal Account equal
to the amount of Shared Principal Collections allocable to Series 2001-B on any Transfer Date shall be applied as
an Available Investor Principal Collection pursuant to Section 4.09 and pursuant to such Section 4.09 shall be
deposited in the Distribution Account or distributed to the Collateral Interest Holder in accordance with
subsection 5.01(c).

                  (b)      Shared Principal Collections allocable to Series 2001-B with respect to any Transfer
Date shall mean an amount equal to the Series Principal Shortfall, if any, with respect to Series 2001-B for such
Transfer Date; provided, however, that if the aggregate amount of Shared Principal Collections for all Series for
such Transfer Date is less than the Cumulative Series Principal Shortfall for such Transfer Date, then Shared
Principal Collections allocable to Series 2001-B on such Transfer Date shall equal the product of (i) Shared
Principal Collections for all Series for such Transfer Date and (ii) a fraction, the numerator of which is the
Series



                                                        38






Principal Shortfall with respect to Series 2001-B for such Transfer Date and the denominator of which is
the aggregate amount of Cumulative Series Principal Shortfall for all Series for such Transfer Date.

                  (c)      Solely for the purpose of determining the amount of Available Investor Principal
Collections to be treated as Shared Principal Collections on any Transfer Date allocable to other Series in Group
One, on each Determination Date, the Servicer shall determine the Class A Required Amount, Class B Required
Amount, Excess Spread and Reallocated Principal Collections as of such Determination Date for the following
Transfer Date.

                  SECTION 4.14        Principal Funding Account.

                  (a)      The Trustee shall establish and maintain with a Qualified Institution, which may be
the Trustee, in the name of the Trust, on behalf of the Trust, for the benefit of the Investor
Certificateholders, a segregated trust account with the corporate trust department of such Qualified Institution
(the "Principal Funding Account"), bearing a designation clearly indicating that the funds deposited therein are
held for the benefit of the Investor Certificateholders.  The Trustee shall possess all right, title and interest
in all funds on deposit from time to time in the Principal Funding Account and in all proceeds thereof.  The
Principal Funding Account shall be under the sole dominion and control of the Trustee for the benefit of the
Investor Certificateholders.  If at any time the institution holding the Principal Funding Account ceases to be a
Qualified Institution, the Transferor shall notify the Trustee, and the Trustee upon being notified (or the
Servicer on its behalf) shall, within 10 Business Days, establish a new Principal Funding Account meeting the
conditions specified above with a Qualified Institution, and shall transfer any cash or any investments to such
new Principal Funding Account.  The Trustee, at the direction of the Servicer, shall (i) make withdrawals from
the Principal Funding Account from time to time, in the amounts and for the purposes set forth in this Series
Supplement, and (ii) on each Transfer Date (from and after the commencement of the Controlled Accumulation
Period) prior to the termination of the Principal Funding Account make deposits into the Principal Funding
Account in the amounts specified in, and otherwise in accordance with, subsection 4.09(f).

                  (b)      Funds on deposit in the Principal Funding Account shall be invested at the direction
of the Servicer by the Trustee in Permitted Investments.  Funds on deposit in the Principal Funding Account on
any Transfer Date, after giving effect to any withdrawals from the Principal Funding Account on such Transfer
Date, shall be invested in such investments that will mature so that such funds will be available for withdrawal
on or prior to the following Transfer Date. The Trustee shall:

                  (i)      hold each Permitted Investment (other than such as are described in clause (c) of the
         definition thereof) that constitutes investment property through a securities intermediary, which
         securities intermediary shall agree with the Trustee that (I) such investment property shall at all
         times be credited to a securities account of the Trustee, (II) such securities intermediary shall comply
         with entitlement orders originated by the Trustee without the further consent of any other person or
         entity, (III) all property credited to such securities account shall be treated as a financial asset,
         (IV) such securities intermediary shall waive any lien on, security interest in, or right of set-off
         with respect to any property credited to such securities account, and (V) such agreement shall be
         governed by the laws of the State of New York;



                                                        39







                  (ii)     maintain possession of each other Permitted Investment not described in clause (i)
         above (other than such as are described in clause (c) of the definition thereof); and

                  (iii)    cause each Permitted Investment described in clause (c) of the definition thereof to
         be registered in the name of the Trustee by the issuer thereof;

provided, that no Permitted Investment shall be disposed of prior to its maturity date.  Terms used in clause (i)
above that are defined in the New York UCC and not otherwise defined herein shall have the meaning set forth in
the New York UCC.

      On each Transfer Date with respect to the Controlled Accumulation Period and on the first
Transfer Date with respect to the Rapid Amortization Period, the Trustee, acting at the Servicer's direction
given on or before such Transfer Date, shall transfer from the Principal Funding Account to the Finance Charge
Account the Principal Funding Investment Proceeds on deposit in the Principal Funding Account for application as
Class A Available Funds and Class B Available Funds in accordance with Section 4.09.

                  Principal Funding Investment Proceeds (including reinvested interest) shall not be considered
part of the amounts on deposit in the Principal Funding Account for purposes of this Series Supplement.

                  SECTION 4.15        Reserve Account.

                  (a)      The Trustee shall establish and maintain with a Qualified Institution, which may be
the Trustee in the name of the Trust, on behalf of the Trust, for the benefit of the Investor Certificateholders,
a segregated trust account with the corporate trust department of such Qualified Institution (the "Reserve
Account"), bearing a designation clearly indicating that the funds deposited therein are held for the benefit of
the Investor Certificateholders.  The Trustee shall possess all right, title and interest in all funds on deposit
from time to time in the Reserve Account and in all proceeds thereof.  The Reserve Account shall be under the
sole dominion and control of the Trustee for the benefit of the Investor Certificateholders.  If at any time the
institution holding the Reserve Account ceases to be a Qualified Institution, the Transferor shall notify the
Trustee, and the Trustee upon being notified (or the Servicer on its behalf) shall, within 10 Business Days,
establish a new Reserve Account meeting the conditions specified above with a Qualified Institution, and shall
transfer any cash or any investments to such new Reserve Account.  The Trustee, at the direction of the Servicer,
shall (i) make withdrawals from the Reserve Account from time to time in an amount up to the Available Reserve
Account Amount at such time, for the purposes set forth in this Series Supplement, and (ii) on each Transfer Date
(from and after the Reserve Account Funding Date) prior to termination of the Reserve Account make a deposit into
the Reserve Account in the amount specified in, and otherwise in accordance with, subsection 4.11(i).

                  (b)      Funds on deposit in the Reserve Account shall be invested at the direction of the
Servicer by the Trustee in Permitted Investments.  Funds on deposit in the Reserve Account on any Transfer Date,
after giving effect to any withdrawals from the Reserve Account on such Transfer Date, shall be invested in such
investments that will mature so that such funds will be available for withdrawal on or prior to the following
Transfer Date. The Trustee shall:

                  (i)      hold each Permitted Investment (other than such as are described in clause (c) of the
         definition thereof) that constitutes investment property through a securities


                                                        40






         intermediary, which securities intermediary shall agree with the Trustee that (I) such investment property
         shall at all times be credited to a securities account of the Trustee, (II) such securities intermediary shall
         comply with entitlement orders originated by the Trustee without the further consent of any other person or
         entity, (III) all property credited to such securities account shall be treated as a financial asset,
         (IV) such securities intermediary shall waive any lien on, security interest in, or right of set-off
         with respect to any property credited to such securities account, and (V) such agreement shall be
         governed by the laws of the State of New York;

                  (ii)     maintain possession of each other Permitted Investment not described in clause (i)
         above (other than such as are described in clause (c) of the definition thereof); and

                  (iii)    cause each Permitted Investment described in clause (c) of the definition thereof to
         be registered in the name of the Trustee by the issuer thereof; provided, that no Permitted Investment
         shall be disposed of prior to its maturity date.  Terms used in clause (i) above that are defined in the
         New York UCC and not otherwise defined herein shall have the meaning set forth in the New York UCC.

                  On each Transfer Date, all interest and earnings (net of losses and investment expenses)
accrued since the preceding Transfer Date on funds on deposit in the Reserve Account shall be retained in the
Reserve Account (to the extent that the Available Reserve Account Amount is less than the Required Reserve
Account Amount) and the balance, if any, shall be deposited into the Finance Charge Account and included in Class
A Available Funds for such Transfer Date.  For purposes of determining the availability of funds or the balance
in the Reserve Account for any reason under this Series Supplement, except as otherwise provided in the preceding
sentence, investment earnings on such funds shall be deemed not to be available or on deposit.

                  (c)      On or before each Transfer Date with respect to the Controlled Accumulation Period and
on or before the first Transfer Date with respect to the Rapid Amortization Period, the Servicer shall calculate
the Reserve Draw Amount; provided, however, that such amount will be reduced to the extent that funds otherwise
would be available for deposit in the Reserve Account under subsection 4.11(i) with respect to such Transfer Date.

                  (d)      In the event that for any Transfer Date the Reserve Draw Amount is greater than zero,
the Reserve Draw Amount, up to the Available Reserve Account Amount, shall be withdrawn from the Reserve Account
on such Transfer Date by the Trustee (acting in accordance with the instructions of the Servicer) and deposited
into the Finance Charge Account for application in the following priority:

                  (i)      an amount up to the excess, if any, of (x) an amount equal to that portion of the
         Covered Amount computed pursuant to clause (a) of the definition of Covered Amount over (y) an amount
         equal to that portion of the Class A Available Funds computed pursuant to clause (b) of the definition
         of Class A Available Funds shall be treated as Class A Available Funds to be applied pursuant to
         subsection 4.09(a)(i); and

                  (ii)     an amount up to the excess, if any, of (x) an amount equal to that portion of the
         Covered Amount computed pursuant to clause (b) of the definition of Covered Amount over (y) an amount
         equal to that portion of the Class B Available Funds


                                                        41






         computed pursuant to clause (b) of the definition of Class B Available Funds shall be treated as Class B
         Available Funds to be applied pursuant to subsection 4.09(b)(i).

                  (e)      In the event that the Reserve Account Surplus on any Transfer Date, after giving
effect to all deposits to and withdrawals from the Reserve Account with respect to such Transfer Date, is greater
than zero, the Trustee, acting in accordance with the instructions of the Servicer, shall withdraw from the
Reserve Account and distribute to the Collateral Interest Holder in accordance with subsection 5.01(c), an amount
equal to such Reserve Account Surplus.
                  (f)      Upon the earliest to occur of (i) the termination of the Trust pursuant to Article XII
of the Agreement, (ii) if the Controlled Accumulation Period has not commenced, the first Transfer Date relating
to the Rapid Amortization Period and (iii) if the Controlled Accumulation Period has commenced, the earlier of
the first Transfer Date with respect to the Rapid Amortization Period and the Transfer Date immediately preceding
the Scheduled Payment Date, the Trustee, acting in accordance with the instructions of the Servicer, after the
prior payment of all amounts owing to the Series 2001-B Certificateholders that are payable from the Reserve
Account as provided herein, shall withdraw from the Reserve Account and distribute to the Collateral Interest
Holder in accordance with subsection 5.01(c), all amounts, if any, on deposit in the Reserve Account and the
Reserve Account shall be deemed to have terminated for purposes of this Series Supplement.

                  SECTION 4.16        Determination of LIBOR.

                  (a)      On each LIBOR Determination Date, the Trustee will determine LIBOR on the basis of the
rate for deposits in United States dollars for a one-month period which appears on Telerate Page 3750 as of 11:00
a.m., London time, on such date.  If such rate does not appear on Telerate Page 3750, the rate for that LIBOR
Determination Date will be determined on the basis of the rates at which deposits in United States dollars are
offered by the Reference Banks at approximately 11:00 a.m., London time, on that day to prime banks in the London
interbank market for a one-month period.  The Trustee will request the principal London office of each of the
Reference Banks to provide a quotation of its rate. If at least two such quotations are provided, the rate for
that LIBOR Determination Date will be the arithmetic mean of the quotations.  If fewer than two quotations are
provided as requested, the rate for that LIBOR Determination Date will be the arithmetic mean of the rates quoted
by major banks in New York City, selected by the Servicer, at approximately 11:00 a.m., New York City time, on
that day for loans in United States dollars to leading European banks for a one-month period.

                  (b)      The Class A Certificate Rate and the Class B Certificate Rate applicable to the then
current and the immediately preceding Interest Periods may be obtained by any Investor Certificateholder by
telephoning the Trustee at its Corporate Trust Office at (212) 815-5731.

                  (c)      On each LIBOR Determination Date prior to 12:00 noon New York City time, the Trustee
shall send to the Servicer by facsimile, notification of LIBOR for the following Interest Period.

                  SECTION 4.17        Transferor's or Servicer's Failure to Make a Deposit or Payment.

                  If the Servicer or the Transferor fails to make, or give instructions to make, any payment or
deposit (other than as required by subsections 2.04(d) and (e) and 12.02(a) or Sections 10.02 and 12.01) required
to be made or given by the Servicer or Transferor,

                                                        42






respectively, at the time specified in the Agreement (including applicable grace periods), the Trustee shall make
such payment or deposit from the applicable Investor Account without instruction from the Servicer or Transferor.
The Trustee shall be required to make any such payment, deposit or withdrawal hereunder only to the extent that the
Trustee has sufficient information to allow it to determine the amount thereof; provided, however, that the Trustee
shall in all cases be deemed to have sufficient information to determine the amount of interest payable to the Series
2001-B Certificateholders on each Distribution Date.  The Servicer shall, upon request of the Trustee, promptly provide
the Trustee with all information necessary to allow the Trustee to make such payment, deposit or withdrawal.  Such funds
or the proceeds of such

withdrawal shall be applied by the Trustee in the manner in which such payment or deposit should have been made
by the Transferor or the Servicer, as the case may be.

                  SECTION 8.          Article V of the Agreement.  Article V of the Agreement shall read in its
entirety as follows and shall be applicable only to the Investor Certificateholders:


                                                     ARTICLE V
                                       DISTRIBUTIONS AND REPORTS TO INVESTOR
                                                CERTIFICATEHOLDERS

                  SECTION 5.01        Distributions.

                  (a)      On each Distribution Date, the Trustee shall distribute (in accordance with the
certificate delivered on or before the related Transfer Date by the Servicer to the Trustee pursuant to
subsection 3.04(b)) to each Class A Certificateholder of record on the immediately preceding Record Date (other
than as provided in subsection 2.04(e) or Section 12.03 respecting a final distribution) such Certificateholder's
pro rata share (based on the aggregate Undivided Interests represented by Class A Certificates held by such
Certificateholder) of amounts on deposit in the Distribution Account as are payable to the Class A
Certificateholders pursuant to Section 4.09 by check mailed to each Class A Certificateholder (at such
Certificateholder's address as it appears in the Certificate Register), except that with respect to Class A
Certificates registered in the name of the nominee of a Clearing Agency, such distribution shall be made in
immediately available funds.

                  (b)      On each Distribution Date, the Trustee shall distribute (in accordance with the
certificate delivered on or before the related Transfer Date by the Servicer to the Trustee pursuant to
subsection 3.04(b)) to each Class B Certificateholder of record on the immediately preceding Record Date (other
than as provided in subsection 2.04(e) or Section 12.03 respecting a final distribution) such Certificateholder's
pro rata share (based on the aggregate Undivided Interests represented by Class B Certificates held by such
Certificateholder) of amounts on deposit in the Distribution Account as are payable to the Class B
Certificateholders pursuant to Section 4.09 by check mailed to each Class B Certificateholder (at such
Certificateholder's address as it appears in the Certificate Register), except that with respect to Class B
Certificates registered in the name of the nominee of a Clearing Agency, such distribution shall be made in
immediately available funds.

                  (c)      On each Transfer Date, the Trustee shall distribute to the Collateral Interest Holder
the aggregate amount payable to the Collateral Interest Holder pursuant to


                                                        43





Sections 4.09, 4.11 and 4.15 to the Collateral Interest Holder's account, as specified in writing by the Collateral
Interest Holder, in immediately available funds.

                  (d)      On each Distribution Date, the Trustee shall distribute to the Class D Certificateholder
the aggregate amount payable to the Class D Certificateholder pursuant to Section 4.09 to the Class D
Certificateholder's account, as specified in writing by the Class D Certificateholder, in immediately available
funds.

                  SECTION 5.02        Monthly Series 2001-B Certificateholders' Statement.

                  (a)      On or before each Distribution Date, the Trustee shall forward to each Series 2001-B
Certificateholder, the Class D Certificateholder, each Rating Agency and the Collateral Interest Holder a
statement substantially in the form of Exhibit C to this Series Supplement prepared by the Servicer, delivered to
the Trustee and setting forth, among other things, the following information (which, in the case of subclauses
(i), (ii) and (iii) below, shall be stated on the basis of an original principal amount of $1,000 per Certificate
and, in the case of subclauses (ix) and (x) shall be stated on an aggregate basis and on the basis of an original
principal amount of $1,000 per Certificate, as applicable):

                  (i)      the amount of the current distribution;

                  (ii)     the amount of the current distribution allocable to Class A Monthly Principal, Class B
         Monthly Principal, Collateral Monthly Principal and Class D Monthly Principal, respectively;

                  (iii)    the amount of the current distribution allocable to Class A Monthly Interest, Class A
         Deficiency Amounts, Class A Additional Interest, Class B Monthly Interest, Class B Deficiency Amounts,
         Class B Additional Interest, Collateral Minimum Monthly Interest, and any past due Collateral Minimum
         Monthly Interest, respectively;

                  (iv)     the amount of Collections of Principal Receivables processed during the related
         Monthly Period and allocated in respect of the Class A Certificates, the Class B Certificates, the
         Collateral Interest and the Class D Certificates,  respectively;

                  (v)      the amount of Collections of Finance Charge Receivables processed during the related
         Monthly Period and allocated in respect of the Class A Certificates, the Class B Certificates, the
         Collateral Interest and the Class D Certificates, respectively;

                  (vi)     the aggregate amount of Principal Receivables, the Investor Interest, the Adjusted
         Investor Interest, the Class A Investor Interest, the Class A Adjusted Investor Interest, the Class B
         Investor Interest, Class B Adjusted Investor Interest, the Collateral Interest Amount, the Collateral
         Interest Adjusted Amount, the Class D Investor Interest, the Class D Adjusted Investor Interest, the
         Floating Investor Percentage, the Class A Floating Allocation, the Class B Floating Allocation, the
         Collateral Floating Allocation, the Class D Floating Allocation and the Fixed Investor Percentage,
         Class A Fixed Allocation, the Class B Fixed Allocation, the Collateral Fixed Allocation and the Class D
         Fixed Allocation with respect to the Principal Receivables in the Trust as of the end of the day on the
         Record Date;



                                                        44






                  (vii)    the aggregate outstanding balance of Accounts which were 30 to 59, 60 to 89, 90 to
         119, 120 to 149 and 150 or more days delinquent as of the end of the day on the Record Date;

                  (viii)   the Aggregate Investor Default Amount, the Class A Investor Default Amount, the Class
         B Investor Default Amount, the Collateral Default Amount and the Class D Investor Default Amount for the
         related Monthly Period;

                  (ix)     the aggregate amount of Class A Investor Charge-Offs, Class B Investor Charge-Offs,
         Collateral Charge-Offs and Class D Investor Charge-Offs for the related Monthly Period;

                  (x)      the aggregate amount of Class A Investor Charge-Offs, Class B Investor Charge-Offs,
         Collateral Charge-Offs and Class D Investor Charge-Offs reimbursed on the Transfer Date immediately
         preceding such Distribution Date;

                  (xi)     the amount of the Class A Servicing Fee, the Class B Servicing Fee, the Collateral
         Interest Servicing Fee, the Class D Servicing Fee and the Servicer Interchange for the related Monthly
         Period;

                  (xii)    the Portfolio Yield for the preceding Monthly Period;

                  (xiii)   the amount of Reallocated Class D Principal Collections, Reallocated Collateral
         Principal Collections and Reallocated Class B Principal Collections with respect to such Distribution
         Date;

                  (xiv)    the Class A Investor Interest, the Class A Adjusted Investor Interest, the Class B
         Investor Interest, the Class B Adjusted Investor Interest, the Collateral Interest Amount, the
         Collateral Interest Adjusted Amount, the Class D Investor Interest and the Class D Adjusted Investor Interest
         as of the close of business on such Distribution Date;

                  (xv)     LIBOR for the Interest Period ending on such Distribution Date;

                  (xvi)    the Principal Funding Account Balance on the Transfer Date;

                  (xvii)   the Accumulation Shortfall;

                  (xviii)  the Principal Funding Investment Proceeds transferred to the Finance Charge Account on
         the related Transfer Date;

                  (xix)    the amount of Class A Available Funds, Class B Available Funds, Collateral Available
         Funds and Class D Available Funds on deposit in the Finance Charge Account on the related Transfer Date;
         and

                  (xx)     such other items as are set forth in Exhibit C to this Series Supplement.

                  (b)      Annual Certificateholders' Tax Statement.  On or before January 31 of each calendar
year, beginning with calendar year 2002, the Trustee shall distribute to each Person who at any time during the
preceding calendar year was a Series 2001-B Certificateholder, a statement prepared by the Servicer containing
the information required to be contained in the regular monthly report to Series 2001-B Certificateholders, as
set forth in subclauses (i), (ii) and (iii) above, aggregated for such calendar year or the applicable portion
thereof during which such Person was a Series 2001-B Certificateholder, together with such other customary
information (consistent with the treatment of the Certificates as debt) as the Servicer deems necessary or
desirable to enable the Series 2001-B Certificateholders to prepare their tax returns.  Such obligations of the
Trustee shall be deemed to have been satisfied to the extent that substantially comparable information shall be
provided by the Trustee pursuant to any requirements of the Internal Revenue Code as from time to time in effect.


                                                        45






                  SECTION 9.          Series 2001-B Pay Out Events.  If any one of the following events shall
occur with respect to the Investor Certificates:

                  (a)      failure on the part of the Transferor (i) to make any payment or deposit required by
the terms of (A) the Agreement or (B) this Series Supplement, on or before the date occurring five days after the
date such payment or deposit is required to be made herein or (ii) duly to observe or perform in any material
respect any covenants or agreements of the Transferor

set forth in the Agreement or this Series Supplement (including, without limitation, the covenant of the
Transferor contained in Section 11 of this Series Supplement), which failure has a material adverse effect on the
Series 2001-B Certificateholders (which determination shall be made without reference to whether any funds are
available under the Collateral Interest and the Class D Certificates) and which continues unremedied for a period
of 60 days after the date on which written notice of such failure, requiring the same to be remedied, shall have
been given to the Transferor by the Trustee, or to the Transferor and the Trustee by the Holders of Investor
Certificates evidencing Undivided Interests aggregating not less than 50% of the Investor Interest of this Series
2001-B, and continues to affect materially and adversely the interests of the Series 2001-B Certificateholders
(which determination shall be made without reference to whether any funds are available under the Collateral
Interest and the Class D Certificates) for such period;

                  (b)      any representation or warranty made by the Transferor in the Agreement or this Series
Supplement, or any information contained in a computer file or microfiche list required to be delivered by the
Transferor pursuant to Section 2.01 or 2.06, (i) shall prove to have been incorrect in any material respect when
made or when delivered, which continues to be incorrect in any material respect for a period of 60 days after the
date on which written notice of such failure, requiring the same to be remedied, shall have been given to the
Transferor by the Trustee, or to the Transferor and the Trustee by the Holders of Investor Certificates
evidencing Undivided Interests aggregating not less than 50% of the Investor Interest of this Series 2001-B, and
(ii) as a result of which the interests of the Series 2001-B Certificateholders are materially and adversely
affected (which determination shall be made without reference to whether any funds are available under the
Collateral Interest and the Class D Certificates) and continue to be materially and adversely affected for such
period; provided, however, that a Series 2001-B Pay Out Event pursuant to this subsection 9(b) hereof shall not
be deemed to have occurred hereunder if the Transferor has accepted reassignment of the related Receivable, or
all of such Receivables, if applicable, during such period in accordance with the provisions of the Agreement;

                  (c)      the average of the Portfolio Yields for any three consecutive Monthly Periods is less
than the average of the Base Rates for such period;

                  (d)      the Transferor shall fail to convey Receivables arising under Additional Accounts, or
Participations, to the Trust, as required by subsection 2.06(a);

                  (e)      any Servicer Default shall occur which would have a material adverse effect on the
Series 2001-B Certificateholders; or

                  (f)      the Class A Investor Interest, the Class B Investor Interest or the Collateral
Interest Amount shall not be paid in full on the Scheduled Payment Date;

                  then, in the case of any event described in subsection 9(a), (b) or (e) hereof, after the
applicable grace period set forth in such subparagraphs, if any, either the Trustee or Holders

                                                        46






of Series 2001-B Certificates and the Collateral Interest Holder evidencing Undivided Interests aggregating not
less than 50% of the Investor Interest of this Series 2001-B by notice then given in writing to the Transferor and
the Servicer (and to the Trustee if given by the Certificateholders) may declare that a pay out event (a "Series 2001-B
Pay Out Event") has occurred as of the date of such notice, and in the case of any event described in subsection 9(c),
(d) or (f) hereof, a Series 2001-B Pay Out Event shall occur without any notice or other action on the part of the
Trustee or the Investor Certificateholders immediately upon the occurrence of such event.

                  SECTION 10.         Series 2001-B Termination.  The right of the Investor Certificateholders to
receive payments from the Trust will terminate on the first Business Day following the Series 2001-B Termination
Date.

                  SECTION 11.         Periodic Finance Charges and Other Fees.  The Transferor hereby agrees
that, except as otherwise required by any Requirement of Law, or as is deemed by the Transferor to be necessary
in order for the Transferor to maintain its credit card business, based upon a good faith assessment by the
Transferor, in its sole discretion, of the nature of the competition in the credit card business, it shall not at
any time reduce the Periodic Finance Charges assessed on any Receivable or other fees on any Account if, as a
result of such reduction, the Transferor's reasonable expectation of the Portfolio Yield as of such date would be
less than the then Base Rate.

                  SECTION 12.         Limitations on Addition of Accounts.  The Transferor agrees that it shall
not designate any Additional Accounts pursuant to subsection 2.06(b) unless on or prior to the related Addition
Date, the Transferor shall have provided the Collateral Interest Holder with an Officer's Certificate certifying
that such designation of such Additional Accounts will not, as of the related Addition Date, (a) be reasonably
expected by the Transferor to result in a reduction or withdrawal by the Rating Agency of its rating for the
Investor Certificates or (b) cause a Series 2001-B Pay Out Event.

                  SECTION 13.         Counterparts.  This Series Supplement may be executed in any number of
counterparts, each of which so executed shall be deemed to be an original, but all of such counterparts shall
together constitute but one and the same instrument.

                  SECTION 14.         Governing Law; Submission to Jurisdiction; Agent for Service of Process.
This Series Supplement shall be governed by and construed in accordance with the laws of the State of Delaware,
without regard to principles of conflict of laws. The parties hereto declare that it is their intention that this
Series Supplement shall be regarded as made under the laws of the State of Delaware and that the laws of said
State shall be applied in interpreting its provisions in all cases where legal interpretation shall be required.
Each of the parties hereto agrees (a) that this Series Supplement involves at least $100,000.00, and (b) that
this Series Supplement has been entered into by the parties hereto in express reliance upon 6 DEL. C. § 2708.
Each of the parties hereto hereby irrevocably and unconditionally agrees (a) to be subject to the jurisdiction of
the courts of the State of Delaware and of the federal courts sitting in the State of Delaware, and (b)(1) to the
extent such party is not otherwise subject to service of process in the State of Delaware, to appoint and
maintain an agent in the State of Delaware as such party's agent for acceptance of legal process, and (2) that,
to the fullest extent permitted by applicable law, service of process may also be made on such party by prepaid
certified mail with a proof of mailing receipt validated by the United States Postal Service constituting
evidence of

                                                        47






valid service, and that service made pursuant to (b)(1) or (2) above shall, to the fullest extent permitted
by applicable law, have the same legal force and effect as if served upon such party personally within the
State of Delaware.

                  SECTION 15.         Additional Notices.

                  (a)      For so long as the Investor Certificates shall be outstanding, the Transferor agrees
to provide Fitch with the notice provided to each Rating Agency in subsection 2.06(c)(i) and agrees to provide to
Fitch and Standard and Poor's the Opinion of Counsel provided to Moody's pursuant to subsection 2.06(c)(vi), in
each case in the times and the manner provided for in such subsections.

                  (b)      The Transferor shall notify the Collateral Interest Holder promptly after becoming
aware of any Lien on any Receivable other than the conveyances under the Agreement.  The Transferor will notify
the Collateral Interest Holder of any merger, consolidation, assumption or transfer referred to in Section 7.02.

                  SECTION 16.       Additional Representations and Warranties of the Servicer.  FIA Card Services,
National Association, as initial Servicer, hereby makes, and any Successor Servicer by its appointment under the
Agreement shall make the following representations and warranties:

                  (a)      All Consents.  All authorizations, consents, orders or approvals of or registrations
or declarations with any Governmental Authority required to be obtained, effected or given by the Servicer in
connection with the execution and delivery of this Series Supplement by the Servicer and the performance of the
transactions contemplated by this Series Supplement by the Servicer, have been duly obtained, effected or given
and are in full force and effect.

                  (b)      Rescission or Cancellation.  The Servicer shall not permit any rescission or
cancellation of any Receivable except as ordered by a court of competent jurisdiction or other Governmental
Authority or in accordance with the normal operating procedures of the Servicer.

                  (c)      Receivables Not To Be Evidenced by Promissory Notes.  Except in connection with its
enforcement or collection of an Account, the Servicer will take no action to cause any Receivable to be evidenced
by an instrument (as defined in the UCC as in effect in the State of Delaware).

                  SECTION 17.         No Petition.  The Transferor, the Servicer and the Trustee, by entering
into this Series Supplement and each Certificateholder, by accepting a Series 2001-B Certificate hereby covenant
and agree that they will not at any time institute against the Trust, or join in any institution against the
Trust of, any bankruptcy proceedings under any United States Federal or state bankruptcy or similar law in
connection with any obligations relating to the Investor Certificateholders, the Agreement or this Series
Supplement.

                  SECTION 18.         Certain Tax Related Amendments.  In addition to being subject to amendment
pursuant to any other provisions relating to amendments in either the Agreement or this Series Supplement, this
Series Supplement may be amended by the Transferor without the consent of the Servicer, Trustee or any Investor
Certificateholder if the Transferor provides the Trustee with (i) an Opinion of Counsel to the effect that such
amendment or modification would reduce the risk the Trust would be treated as taxable as a publicly traded
partnership pursuant to Code section 7704 and (ii) a certificate that such amendment or modification would not
materially and adversely affect any Investor Certificateholder; provided, that no such amendment


                                                        48






shall be deemed effective without the Trustee's consent, if the Trustee's rights, duties and obligations hereunder are
thereby modified.  Promptly after the effectiveness of any amendmentpursuant to this Section 18, the Transferor shall
deliver a copy of such amendment to each of the Servicer, the Trustee and each Rating Agency.

                  SECTION 19.         Transfers of the Collateral Interest.

                  (a)      Unless otherwise consented to by the Transferor, no portion of the Collateral Interest
or any interest therein may be sold, conveyed, assigned, hypothecated, pledged, participated, exchanged or
otherwise transferred (each, a "Transfer") except in accordance with this Section 19 and only to a Permitted
Assignee.  Any attempted or purported transfer, assignment, exchange, conveyance, pledge, hypothecation or grant
other than to a Permitted Assignee shall be void.  Unless otherwise consented to by the Transferor, no portion of
the Collateral Interest or any interest therein may be Transferred to any Person (each such Person acquiring the
Collateral Interest or any interest therein, an "Assignee") unless such Assignee shall have executed and
delivered to the Transferor on or before the effective date of any Transfer a letter substantially in the form
attached hereto as Exhibit D (an "Investment Letter"), executed by such Assignee, with respect to the related
Transfer to such Assignee of all or a portion of the Collateral Interest.

                  (b)      Each Assignee will certify that the Collateral Interest or the interest therein
purchased by such Assignee will be acquired for investment only and not with a view to any public distribution
thereof, and that such Assignee will not offer to sell or otherwise dispose of the Collateral Interest or any
interest therein so acquired by it in violation of any of the registration requirements of the Securities Act, or
any applicable state or other securities laws.  Each Assignee will acknowledge and agree that (i) it has no right
to require the Transferor to register under the Securities Act or any other securities law the Collateral
Interest or the interest therein to be acquired by the Assignee and (ii) the sale of the Collateral Interest is
not being made by means of the Prospectus.  Each Assignee will agree with the Transferor that: (a) such Assignee
will deliver to the Transferor on or before the effective date of any Transfer a letter in the form annexed
hereto as Exhibit D (an "Investment Letter"), executed by such Assignee with respect to the purchase by such
Assignee of all or a portion of the Collateral Interest and (b) all of the statements made by such Assignee in
its Investment Letter shall be true and correct as of the date made.

                  (c)      No portion of the Collateral Interest or any interest therein may be Transferred, and
each Assignee will certify that it is not, (a) an "employee benefit plan" (as defined in Section 3(3) of ERISA),
including governmental plans and church plans, (b) any "plan" (as defined in Section 4975(e)(1) of the Code)
including individual retirement accounts and Keogh plans, or (c) any other entity whose underlying assets include
"plan assets" (within the meaning of Department of Labor Regulation Section 2510.3-101, 29 C.F.R. § 2510.3-101 or
otherwise under ERISA) by reason of a plan's investment in the entity, including, without limitation, an
insurance company general account.

                  (d)      This Section 19 shall not apply to the transfer and pledge of the Collateral Interest
on the Closing Date by the Transferor pursuant to the Transfer Agreement or by the MBNA Asset Backed Note Trust
(2001-B) to the Indenture Trustee (as defined in the Transfer Agreement) pursuant to the Indenture (as defined in
the Transfer Agreement).


                                                        49






                  SECTION 20.         Uncertificated Securities.  The Collateral Interest shall be delivered in
uncertificated form.

                  SECTION 21.         Transfers of the Class D Certificate.  The Class D Certificate may not be
sold, participated, transferred, assigned, exchanged or otherwise pledged or conveyed in whole or in part.


                                                        50









                  IN WITNESS WHEREOF, the Transferor, the Servicer and the Trustee have caused this Amended and
Restated Series 2001-B Supplement to be duly executed by their respective officers as of the day and year first
above written.


                                                     FIA CARD SERVICES,
                                                     NATIONAL ASSOCIATION,
                                                     as Servicer


                                                     By:/s/ Keith W. Landis    
                                                        Name: Keith W. Landis
                                                        Title:Vice President


                                                     BA CREDIT CARD FUNDING, LLC,
                                                     as Transferor


                                                     By:/s/ Keith W. Landis    
                                                       Name: Keith W. Landis
                                                       Title:Vice President


                                                     THE BANK OF NEW YORK MELLON,
                                                     as Trustee


                                                     By:/s/ Catherine Cerilles   
                                                       Name:  Catherine Cerilles
                                                       Title: Vice President









                               [Signature Page to Amended and Restated Series 2001-B Supplement]












                                                                                                       EXHIBIT A-1


                                                FORM OF CERTIFICATE

                                                      CLASS A

                  Unless this Certificate is presented by an authorized representative of The Depository Trust
         Company, a New York corporation ("DTC"), to BA Credit Card Funding, LLC or its agent for registration of
         transfer, exchange or payment, and any certificate issued is registered in the name of Cede & Co. or in
         such other name as requested by an authorized representative of DTC (and any payment is made to Cede &
         Co. or to such other entity as is requested by an authorized representative of DTC), ANY TRANSFER,
         PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the
         registered owner hereof, Cede & Co., has an interest herein.

No. __                                                                                                  $__________
                                                                                                CUSIP No. _________


                                          BA MASTER CREDIT CARD TRUST II
                                               CLASS A FLOATING RATE
                                      ASSET BACKED CERTIFICATE, SERIES 2001-B

Evidencing an Undivided Interest in a trust, the corpus of which consists of a portfolio of MasterCard® and VISA®
credit card receivables generated or acquired by FIA Card Services, National Association and other assets and
interests constituting the Trust under the Pooling and Servicing Agreement described below.

                                       (Not an interest in or obligation of
                                      FIA Card Services, National Association
                                            or any Affiliate thereof.)

                  This certifies that CEDE & CO. (the "Class A Certificateholder") is the registered owner of an
Undivided Interest in a trust (the "Trust"), the corpus of which consists of a portfolio of receivables (the
"Receivables") now existing or hereafter created and arising in connection with selected MasterCard and VISA*
credit card accounts (the "Accounts") of FIA Card Services, National Association, a national banking association
organized under the laws of




____________________

*        MasterCard® and Visa® are federally registered servicemarks of MasterCard International Inc. and of Visa
U.S.A., Inc., respectively.


                                                       A-1-2







the United States, all monies due or to become due in payment of the Receivables (including all Finance Charge
Receivables but excluding recoveries on any charged-off Receivables), the right to certain amounts received as
Interchange with respect to the Accounts, the benefits of theCollateral Interest and the other assets and interests
constituting the Trust pursuant to a Second Amended and Restated Pooling and Servicing Agreement, dated as of
October 20, 2006, as supplemented by the Series 2001-B Supplement dated as of March 8, 2001 (as amended, supplemented
and modified as of the date hereof, collectively, the "Pooling and Servicing Agreement"), by and among BA Credit
Card Funding, LLC (as successor to FIA Card Services, National Association), as Transferor (the "Transferor"), FIA Card
Services, National Association, as Servicer (the "Servicer"), and The Bank of New York Mellon, as Trustee (the
"Trustee"), a summary of certain of the pertinent provisions of which is set forth herein. The Series 2001-B
Certificates are issued in two classes, the Class A Certificates (of which this certificate is one) and the Class B
Certificates, which are subordinated to the Class A Certificates in certain rights of payment as described herein and
in the Pooling and Servicing Agreement.

                  The Transferor has structured the Pooling and Servicing Agreement and the Series 2001-B
Certificates with the intention that the Series 2001-B Certificates will qualify under applicable tax law as
indebtedness, and each of the Transferor, the Holder of the Transferor Interest, the Servicer and each Series
2001-B Certificateholder (or Series 2001-B Certificate Owner) by acceptance of its Series 2001-B Certificate (or
in the case of a Series 2001-B Certificate Owner, by virtue of such Series 2001-B Certificate Owner's acquisition
of a beneficial interest therein), agrees to treat and to take no action inconsistent with the treatment of the
Series 2001-B Certificates (or any beneficial interest therein) as indebtedness for purposes of federal, state,
local and foreign income or franchise taxes and any other tax imposed on or measured by income.  Each Series
2001-B Certificateholder agrees that it will cause any Series 2001-B Certificate Owner acquiring an interest in a
Series 2001-B Certificate through it to comply with the Pooling and Servicing Agreement as to treatment of the
Series 2001-B Certificates as indebtedness for certain tax purposes.

                  To the extent not defined herein, capitalized terms used herein have the respective meanings
assigned to them in the Pooling and Servicing Agreement.  This Class A Certificate is issued under and is subject
to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing
Agreement, as amended from time to time, the Class A Certificateholder by virtue of the acceptance hereof assents
and by which the Class A Certificateholder is bound.

                  Although a summary of certain provisions of the Pooling and Servicing Agreement is set forth
below, this Class A Certificate is qualified in its entirety by the terms and provisions of the Pooling and
Servicing Agreement and reference is made to that Pooling and Servicing Agreement for information with respect to
the interests, rights, benefits, obligations, proceeds, and duties evidenced hereby and the rights, duties and
obligations of the Trustee.

                  Interest will accrue on the Class A Certificates from and including the Closing Date through
but excluding April 16, 2001, from and including April 16, 2001 through but excluding May 15, 2001 and with
respect to each Interest Period thereafter, at the rate of 0.26% per annum above LIBOR, as more specifically set
forth in the Pooling and Servicing Agreement, and

                                                       A-1-3






will be distributed on May 15, 2001 and on the 15th day of each calendar month thereafter, or if such day is not a
Business Day, on the next succeeding Business Day (a "DistributionDate"), to the Class A Certificateholders of record
as of the last Business Day of the calendar month preceding such Distribution Date. During the Rapid Amortization Period,
in addition to Class A Monthly Interest, Class A Monthly Principal will be distributed to the Class A Certificateholders
on each Distribution Date commencing in the month following the commencement of the Rapid Amortization Period until the
Class A Certificates have been paid in full. During the Controlled Accumulation Period, in addition to monthly payments
of Class A Monthly Interest, the amount on deposit in the Principal Funding Account (but not in excess of the Class A
Investor Interest) will be distributed as principal to the Class A Certificateholders on the March 2011 Distribution Date,
unless distributed earlier as a result of the commencement of the Rapid Amortization Period in accordance with the Pooling
and Servicing Agreement.

                  Unless the certificate of authentication hereon has been executed by or on behalf of the
Trustee, by manual signature, this Class A Certificate shall not be entitled to any benefit under the Pooling and
Servicing Agreement, or be valid for any purpose.



                                                       A-1-4










                  IN WITNESS WHEREOF, the Transferor has caused this Series 2001-B Class A Certificate to be duly
executed under its official seal.



                                                     By:__________________________________
                                                            Authorized Officer
[Seal]


Attested to:



By:__________________________________
     Cashier



Date:    March 8, 2001

                                                       A-1-5








                                  Form of Trustee's Certificate of Authentication

                                           CERTIFICATE OF AUTHENTICATION


                  This is one of the Series 2001-B Class A Certificates referred to in the within-mentioned
Pooling and Servicing Agreement.

                                                     THE BANK OF NEW YORK MELLON,
                                                       Trustee



                                                     By:__________________________________
                                                            Authorized Signatory



Date:    March 8, 2001


                                                       A-1-6






                                                                                                        EXHIBIT A-2





                                                FORM OF CERTIFICATE

                                                      CLASS B

                  Unless this Certificate is presented by an authorized representative of The Depository Trust
         Company, a New York corporation ("DTC"), to BA Credit Card Funding, LLC or its agent for registration of
         transfer, exchange or payment, and any certificate issued is registered in the name of Cede & Co. or in
         such other name as requested by an authorized representative of DTC (and any payment is made to Cede &
         Co. or to such other entity as is requested by an authorized representative of DTC), ANY TRANSFER,
         PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the
         registered owner hereof, Cede & Co., has an interest herein.

No. __                                                                                                  $__________
                                                                                                CUSIP No. _________

                                          BA MASTER CREDIT CARD TRUST II
                                               CLASS B FLOATING RATE
                                      ASSET BACKED CERTIFICATE, SERIES 2001-B

Evidencing an Undivided Interest in a trust, the corpus of which consists of a portfolio of MasterCard® and
VISA®* credit card receivables generated or acquired by FIA Card Services, National Association and other assets
and interests constituting the Trust under the Pooling and Servicing Agreement described below.

                                       (Not an interest in or obligation of
                                      FIA Card Services, National Association
                                            or any Affiliate thereof.)

                  This certifies that CEDE & CO. (the "Class B Certificateholder") is the registered owner of an
Undivided Interest in a trust (the "Trust"), the corpus of which consists of a portfolio of receivables (the
"Receivables") now existing or hereafter created and arising in connection with selected MasterCard and VISA
credit card accounts (the "Accounts") of FIA Card Services, National Association, a national banking association
organized under the laws of the United States, all monies due or to become due in payment of the Receivables
(including all Finance Charge Receivables but excluding recoveries on any charged-off Receivables), the right to
certain amounts received as Interchange with respect to the Accounts, the benefits of the Collateral Interest and
the other assets and interests constituting the Trust pursuant to a Second Amended and Restated Pooling and
Servicing Agreement, dated as of October 20, 2006, as supplemented by the Series 2001-B Supplement dated as of
March 8, 2001 (as amended,



____________________

*        MasterCard® and Visa® are federally registered servicemarks of MasterCard International Inc. and of Visa
U.S.A., Inc., respectively.


                                                       A-2-1






supplemented and modified as of the date hereof, collectively, the "Pooling and Servicing Agreement"), by and
among BA Credit Card Funding, LLC (as successor to FIA Card Services, National Association), as Transferor (the
"Transferor"), FIA Card Services, National Association, as Servicer (the "Servicer"), and The Bank of New York
Mellon, as Trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth
herein.  The Series 2001-B Certificates are issued in two classes, the Class A Certificates and the Class B
Certificates (of which this certificate is one), which are subordinated to the Class A Certificates in certain
rights of payment as described herein and in the Pooling and Servicing Agreement.

                  The Transferor has structured the Pooling and Servicing Agreement and the Series 2001-B
Certificates with the intention that the Series 2001-B Certificates will qualify under applicable tax law as
indebtedness, and each of the Transferor, the Holder of the Transferor Interest, the Servicer and each Series
2001-B Certificateholder (or Series 2001-B Certificate Owner) by acceptance of its Series 2001-B Certificate (or
in the case of a Series 2001-B Certificate Owner, by virtue of such Series 2001-B Certificate Owner's acquisition
of a beneficial interest therein), agrees to treat and to take no action inconsistent with the treatment of the
Series 2001-B Certificates (or any beneficial interest therein) as indebtedness for purposes of federal, state,
local and foreign income or franchise taxes and any other tax imposed on or measured by income.  Each Series
2001-B Certificateholder agrees that it will cause any Series 2001-B Certificate Owner acquiring an interest in a
Series 2001-B Certificate through it to comply with the Pooling and Servicing Agreement as to treatment of the
Series 2001-B Certificates as indebtedness for certain tax purposes.

                  To the extent not defined herein, capitalized terms used herein have the respective meanings
assigned to them in the Pooling and Servicing Agreement.  This Class B Certificate is issued under and is subject
to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing
Agreement, as amended from time to time, the Class B Certificateholder by virtue of the acceptance hereof assents
and by which the Class B Certificateholder is bound.

                  Although a summary of certain provisions of the Pooling and Servicing Agreement is set forth
below, this Class B Certificate is qualified in its entirety by the terms and provisions of the Pooling and
Servicing Agreement and reference is made to that Pooling and Servicing Agreement for information with respect to
the interests, rights, benefits, obligations, proceeds, and duties evidenced hereby and the rights, duties and
obligations of the Trustee.

                  Interest will accrue on the Class B Certificates from and including the Closing Date through
but excluding April 16, 2001, from and including April 16, 2001 through but excluding May 15, 2001 and with
respect to each Interest Period, thereafter, at the rate of 0.60% per annum above LIBOR, as more specifically set
forth in the Pooling and Servicing Agreement and will be distributed on May 15, 2001 and on the 15th day of each
calendar month thereafter, or if such day is not a Business Day, on the next succeeding Business Day (a
"Distribution Date"), to the Class B Certificateholders of record as of the last Business Day of the calendar
month preceding such Distribution Date.  During the Rapid Amortization Period, in addition to Class B Monthly
Interest, Class B Monthly Principal will be distributed to the Class B Certificateholders on each Distribution
Date commencing in the month following the


                                                       A-2-2






commencement of the Rapid Amortization Period (and after payment in full of the Class A Investor Interest) until
the Class B Certificates have been paid in full.  During the Controlled Accumulation Period, in addition to
monthly payments of Class B Monthly Interest, the amount remaining on deposit in the Principal Funding Account
after the payment in full of the Class A Investor Interest (but not in excess of the Class B Investor Interest)
will be distributed as principal to the Class B Certificateholders on the March 2011 Distribution Date, unless
distributed earlier as a result of the commencement of the Rapid Amortization Period in accordance with the
Pooling and Servicing Agreement.

                  Unless the certificate of authentication hereon has been executed by or on behalf of the
Trustee, by manual signature, this Class B Certificate shall not be entitled to any benefit under the Pooling and
Servicing Agreement, or be valid for any purpose.


                                                       A-2-3








                  IN WITNESS WHEREOF, the Transferor has caused this Series 2001-B Class B Certificate to be duly
executed under its official seal.



                                                     By:__________________________________
                                                            Authorized Officer



[Seal]

Attested to:



By:__________________________________
     Cashier



Date:    March 8, 2001


                                                       A-2-4








                                  Form of Trustee's Certificate of Authentication

                                           CERTIFICATE OF AUTHENTICATION


                  This is one of the Series 2001-B Class B Certificates referred to in the within-mentioned
Pooling and Servicing Agreement.



                                                     THE BANK OF NEW YORK MELLON,
                                                     Trustee



                                                     By:__________________________________
                                                            Authorized Signatory



Date:    March 8, 2001

                                                       A-2-5








                                                                                                        EXHIBIT A-3

                                                FORM OF CERTIFICATE

                                                      CLASS D

                  THIS CLASS D ASSET BACKED CERTIFICATE, SERIES 2001-B (THE "CLASS D CERTIFICATE") HAS NOT BEEN
         AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR ANY
         STATE SECURITIES LAW.  THE HOLDER HEREOF, BY PURCHASING THIS CLASS D CERTIFICATE, AGREES THAT IT IS
         ACQUIRING THIS CLASS D CERTIFICATE FOR ITS OWN ACCOUNT (AND NOT FOR THE ACCOUNT OF OTHERS) AND NOT WITH
         A VIEW TO, OR FOR SALE IN CONNECTION WITH, THE PUBLIC DISTRIBUTION HEREOF AND THAT NEITHER THIS CLASS D
         CERTIFICATE NOR ANY INTEREST HEREIN MAY BE OFFERED, SOLD, PLEDGED, OR OTHERWISE TRANSFERRED, EXCEPT IN
         COMPLIANCE WITH THE REGISTRATION PROVISIONS OF THE SECURITIES ACT AND ANY APPLICABLE PROVISIONS OF ANY
         STATE SECURITIES LAWS OR PURSUANT TO AN AVAILABLE EXEMPTION FROM SUCH PROVISIONS.  THE TRANSFER OF THIS
         CLASS D CERTIFICATE IS SUBJECT TO CERTAIN CONDITIONS SET FORTH IN THE POOLING AND SERVICING AGREEMENT
         REFERRED TO HEREIN.

                  TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER THIS CLASS D CERTIFICATE NOR ANY
         INTEREST HEREIN MAY BE TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR CONVEYED, EXCEPT IN
         ACCORDANCE WITH THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN.

No. 1                                                                                                $67,310,000


                                          BA MASTER CREDIT CARD TRUST II
                                                      CLASS D
                                      ASSET BACKED CERTIFICATE, SERIES 2001-B

Evidencing an Undivided Interest in certain assets of the BA Master Credit Card Trust II, the corpus of which
consists of a portfolio of MasterCard®, VISA® and American Express® credit card receivables originated or
acquired by FIA Card Services, National Association and other assets and interests constituting the Trust under
the Pooling and Servicing Agreement described below.

                                       (Not an interest in or obligation of
                                      FIA Card Services, National Association
                                            or any Affiliate thereof.)



                                                       A-3-1






                  This certifies that BA Credit Card Funding, LLC (the "Class D Certificateholder") is the
registered owner of an Undivided Interest in a trust (the "Trust"), the corpus of which consists of a portfolio
of receivables (the "Receivables") now existing or hereafter created and arising in connection with selected
MasterCard, VISA and American Express* credit card accounts (the "Accounts") of FIA Card Services, National
Association, a national banking association organized under the laws of the United States, all monies due or to
become due in respect to such Receivables (including all Finance Charge Receivables), all Interchange allocable
to the Trust, all proceeds of such Receivables, Insurance Proceeds and Recoveries relating to such Receivables
and the proceeds thereof, in each case pursuant to a Second Amended and Restated Pooling and Servicing Agreement,
dated as of October 20, 2006, as supplemented by the Series 2001-B Supplement, dated as of March 8, 2001 (as
amended, supplemented and modified as of the date hereof, collectively, the "Pooling and Servicing Agreement"),
by and among BA Credit Card Funding, LLC, as Transferor (the "Transferor"), FIA Card Services, National
Association, as Servicer (the "Servicer"), and The Bank of New York Mellon, as Trustee (the "Trustee"), a summary
of certain of the pertinent provisions of which is set forth herein.

                  To the extent not defined herein, capitalized terms used herein have the respective meanings
assigned to them in the Pooling and Servicing Agreement.  This Class D Certificate is issued under and is subject
to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing
Agreement, as amended from time to time, the Class D Certificateholder by virtue of the acceptance hereof assents
and by which the Class D Certificateholder is bound.

                  Although a summary of certain provisions of the Pooling and Servicing Agreement is set forth
below, this Class D Certificate is qualified in its entirety by the terms and provisions of the Pooling and
Servicing Agreement and reference is made to that Pooling and Servicing Agreement for information with respect to
the interests, rights, benefits, obligations, proceeds, and duties evidenced hereby and the rights, duties and
obligations of the Trustee.

                  Beginning on March 13, 2009 and on each Transfer Date thereafter, the Trustee shall distribute
to the Class D Certificateholder of record as of the last Business Day of the calendar month preceding such
Transfer Date such amounts as are payable pursuant to the Pooling and Servicing Agreement and as are requested by
the certificate delivered to the Trustee by the Servicer pursuant to Section 5.01 of the Pooling and Servicing
Agreement.  The Series 2001-B Termination Date is the earliest to occur of (a) the Distribution Date on which Investor
Interest is paid in full, (b) the August 2013 Distribution Date and (c) the Trust Termination Date.  Principal with respect
to the Series 2001-B Certificates will be paid under the circumstances described in the Pooling and Servicing Agreement.

                  Unless the certificate of authentication hereon has been executed by or on behalf of the
Trustee, by manual signature, this Class D Certificate shall not be entitled to any benefit under the Pooling and
Servicing Agreement, or be valid for any purpose.


____________________

*        MasterCard®, VISA® and American Express® are federally registered servicemarks of MasterCard
International Inc., Visa U.S.A., Inc. and American Express Company, respectively.

                                                       A-3-2






                  This Class D Certificate shall be governed by and construed in accordance with the laws of the
State of Delaware, without regard to conflict of law principles thereof.



                                                       A-3-3






                  IN WITNESS WHEREOF, BA Credit Card Funding, LLC has caused this Class D Asset Backed
Certificate, Series 2001-B to be duly executed under its official seal.



                                                     By:__________________________________
                                                            Authorized Officer
[Seal]




Date:    March 2, 2009



                                                       A-3-4






                                  Form of Trustee's Certificate of Authentication

                                           CERTIFICATE OF AUTHENTICATION


                  This is one of the Series 2001-B Certificates referred to in the within-mentioned Pooling and
Servicing Agreement.

                                                     THE BANK OF NEW YORK MELLON,
                                                       Trustee



                                                     By:__________________________________
                                                            Authorized Signatory



Date:    March 2, 2009







                                                       A-3-5







                                                                                                          EXHIBIT B

                               FORM OF MONTHLY PAYMENT INSTRUCTIONS AND NOTIFICATION
                                                  TO THE TRUSTEE
                                      FIA CARD SERVICES, NATIONAL ASSOCIATION
                                   BA MASTER CREDIT CARD TRUST II SERIES 2001-B
                                             MONTHLY PERIOD ENDING ,


Capitalized terms used in this notice have their respective meanings set forth in the Pooling and Servicing
Agreement.  References herein to certain sections and subsections are references to the respective sections and
subsections of the Pooling and Servicing Agreement as supplemented by the Series 2001-B Supplement.  This notice
is delivered pursuant to Section 4.09.

         A)       FIA Card Services, National Association is the Servicer under the Pooling and Servicing
Agreement.
         B)       The undersigned is a Servicing Officer.
         C)       The date of this notice is on or before the related Transfer Date under the Pooling and
                  Servicing Agreement.

I.  INSTRUCTION TO MAKE A WITHDRAWAL

Pursuant to Section 4.09, the Servicer does hereby instruct the Trustee (i) to make withdrawals from the Finance
Charge Account, the Principal Account, and the Principal Funding Account on __________ __, ____, which date is a
Transfer Date under the Pooling and Servicing Agreement, in aggregate amounts set forth below in respect of the
following amounts and (ii) to apply the proceeds of such withdrawals in accordance with subsection 3(a) of the
Series 2001-B Supplement and Section 4.09 of the Pooling and Servicing Agreement:


A.       Pursuant to subsection 3(a) of the Series 2001-B Supplement:

                      1.      Servicer Interchange                                            $__________

B.       Pursuant to subsection 4.09(a)(i):

                      1.      Class A Monthly Interest at the Class A Certificate
                              Rate on the Class A Investor Interest                           $__________

                      2.      Class A Deficiency Amount                                       $__________

                      3.      Class A Additional Interest                                     $__________

C.       Pursuant to subsection 4.09(a)(ii):

                      1.      Class A Servicing Fee                                           $__________



                                                       B-1







                      2.      Accrued and unpaid Class A Servicing Fee                        $__________

D.       Pursuant to subsection 4.09(a)(iii):

                      1.      Class A Investor Default Amount                                 $__________

E.       Pursuant to subsection 4.09(a)(iv):

                      1.      Portion of Excess Spread from Class A Available Funds to be
                              allocated and distributed as provided in Section 4.11           $__________

F.       Pursuant to subsection 4.09(b)(i):

                      1.      Class B Monthly Interest at the Class B Certificate Rate on
                              the Class B Investor Interest                                   $__________

                      2.      Class B Deficiency Amount                                       $__________

                      3.      Class B Additional Interest                                     $__________

G.       Pursuant to subsection 4.09(b)(ii):

                      1.      Class B Servicing Fee                                           $__________

                      2.      Accrued and unpaid Class B Servicing Fee                        $__________

H.       Pursuant to subsection 4.09(b)(iii):

                      1.      Portion of Excess Spread from Class B Available Funds to be
                              allocated and distributed as provided in Section 4.11           $__________

I.       Pursuant to subsection 4.09(c)(i):

                      1.      Collateral Interest Servicing Fee, if applicable                $__________

                      2.      Accrued and unpaid Collateral Interest Servicing Fee, if
                              applicable                                                      $__________

J.       Pursuant to subsection 4.09(c)(ii):

                      1.      Portion of Excess Spread from Collateral Available Funds to
                              be allocated and distributed as provided in Section 4.11        $__________

                              Total                                                           $__________


                                                       B-2






K.       Pursuant to subsection 4.09(e)(i):

                      1.      Amount to be treated as Shared Principal Collections            $__________

L.       Pursuant to subsection 4.09(e)(ii):

                      1.      Amount to be paid to the Holder of the Transferor Interest      $__________

                      2.      Unallocated Principal Collections                               $__________

M.       Pursuant to subsection 4.09(f)(i):

                      1.      Class A Monthly Principal                                       $__________

N.       Pursuant to subsection 4.09(f)(ii):

                      1.      Class B Monthly Principal                                       $__________

O.       Pursuant to subsection 4.09(f)(iii):

                      1.      Collateral Monthly Principal to be distributed to the
                              Collateral Interest Holder in accordance with subsection
                              5.01(c)                                                         $__________

P.       Pursuant to subsection 4.09(f)(iv):

                      1.      Amount to be treated as Shared Principal Collections            $__________

Q.       Pursuant to subsection 4.09(f)(vi):

                      1.      Amount to be paid to the Holder of the Transferor Interest      $__________

                      2.      Unallocated Principal Collections                               $__________

                              Total                                                           $__________

R.       Pursuant to subsection 4.09(g):

                      1.      Amount to be withdrawn from the Principal Funding Account and
                              deposited into the Distribution Account                         $__________


                                                       B-3








II.  INSTRUCTION TO MAKE CERTAIN PAYMENTS

Pursuant to Section 4.09, the Servicer does hereby instruct the Trustee to pay in accordance with Section 5.01 from
the Distribution Account on __________ __, ____, which date is a Distribution Date under the Pooling and Servicing
Agreement, amounts so deposited in the Distribution Account pursuant to Section 4.09 as set forth below:


A.       Pursuant to subsection 4.09(h):

                      1.      Amount to be distributed to Class A Certificateholders          $__________

                      2.      Amount to be distributed to Class B Certificateholders          $__________

B.       Pursuant to subsection 4.09(i)(i):

                      1.      Amount to be distributed to the Class A Certificateholders      $__________

C.       Pursuant to subsection 4.09(i)(ii):

                      1.      Amount to be distributed to the Class B Certificateholders      $__________


III. APPLICATION OF EXCESS SPREAD

Pursuant to Section 4.11, the Servicer does hereby instruct the Trustee to apply the Excess Spread with respect
to the related Monthly Period and to make the following distributions in the following priority:


A.                    The amount equal to the Class A Required Amount, if any, which will
                      be used to fund the Class A Required Amount and be applied in
                      accordance with, and in the priority set forth in, subsection 4.09(a)   $__________

B.                    The amount equal to the aggregate amount of Class A Investor
                      Charge-Offs which have not been previously reimbursed (after giving
                      effect to the allocation on such Transfer Date of certain other
                      amounts applied for that purpose) which will be treated as a portion
                      of Investor Principal Collections and deposited into the Principal
                      Account on such Transfer Date                                           $__________


                                                       B-4







C.                    The amount equal to the Class B Required Amount, if any, which will
                      be used to fund the Class B Required Amount and be applied first in
                      accordance with, and in the priority set forth in, subsection 4.09(b)
                      and then any amount available to pay the Class B Investor Default
                      Amount shall be treated as a portion of Investor Principal
                      Collections and deposited into the Principal Account                    $__________

D.                    The amount equal to the aggregate amount by which the Class B
                      Investor Interest has been reduced below the initial Class B Investor
                      Interest for reasons other than the payment of principal to the Class
                      B Certificateholders (but not in excess of the aggregate amount of
                      such reductions which have not been previously reimbursed) which will
                      be treated as a portion of Investor Principal Collections and
                      deposited into the Principal Account                                    $__________

E.                    The amount equal to the Collateral Minimum Monthly Interest plus the
                      amount of any past due Collateral Minimum Monthly Interest which will
                      be paid to the Collateral Interest Holder for application in
                      accordance with subsection 5.01(c)                                      $__________

F.                    The amount equal to the aggregate amount of accrued but unpaid
                      Collateral Interest Servicing Fees which will be paid to the Servicer
                      if FIA or The Bank of New York Mellon is the Servicer                   $__________

G.                    The amount equal to the Collateral Default Amount, if any, for the
                      prior Monthly Period which will be treated as a portion of Investor
                      Principal Collections and deposited into the Principal Account          $__________

H.                    The amount equal to the aggregate amount by which the Collateral
                      Interest Amount has been reduced for reasons other than the payment
                      of amounts with respect to the Collateral Monthly Principal (but not
                      in excess of the aggregate amount of such reductions which have not
                      been previously reimbursed) which will be treated as a portion of
                      Investor Principal Collections and deposited into the Principal
                      Account                                                                 $__________

                                                       B-5






I.                    On each Transfer Date from and after the Reserve Account Funding
                      Date, but prior to the date on which the Reserve Account terminates
                      as described in subsection 4.15(f), the amount up to the excess, if
                      any, of the Required Reserve Account Amount over the Available
                      Reserve Account Amount which shall be deposited into the Reserve
                      Account                                                                 $__________

J.                    The balance, if any, after giving effect to the payments made
                      pursuant to subparagraphs (a) through (i) above which shall be
                      deposited into the Distribution Account and distributed to the
                      Collateral Interest Holder in accordance with subsection 5.01(c)        $__________

IV.  REALLOCATED PRINCIPAL COLLECTIONS

Pursuant to Section 4.12, the Servicer does hereby instruct the Trustee to withdraw from the Principal Account
and apply Reallocated Principal Collections pursuant to Section 4.12 with respect to the related Monthly Period
in the following amounts:

A.                    Reallocated Collateral Principal Receivables                            $__________

B.                    Reallocated Class B Principal Receivables                               $__________

V. ACCRUED AND UNPAID AMOUNTS

After giving effect to the withdrawals and transfers to be made in accordance with this notice, the following
amounts will be accrued and unpaid with respect to all Monthly Periods preceding the current calendar month:


A.                    Subsections 4.09(a)(i) and (b)(i):

                      (1)      The aggregate amount of the Class A Deficiency Amount          $__________

                      (2)      The aggregate amount of the Class B Deficiency Amount          $__________

B.                    Subsections 4.09(a)(ii) and (b)(ii):

                      The aggregate amount of all accrued and unpaid Investor Monthl
                      Servicing Fees                                                          $__________


                                                       B-6





C.                    Section 4.10:

                      The aggregate amount of all unreimbursed Investor Charge Offs           $__________





                                                       B-7









         IN WITNESS WHEREOF, the undersigned has duly executed this certificate this __th day __________, ____.


                                                     FIA CARD SERVICES,
                                                     NATIONAL ASSOCIATION,
                                                     Servicer



                                                     By:_____________________________________________
                                                     Name:
                                                     Title:



                                                       B-8









                                                                                                          EXHIBIT C

                            FORM OF MONTHLY SERIES 2001-B CERTIFICATEHOLDERS' STATEMENT

                                                   Series 2001-B

                                      FIA CARD SERVICES, NATIONAL ASSOCIATION


                          ______________________________________________________________________

                                          BA MASTER CREDIT CARD TRUST II


                          ______________________________________________________________________


         The information which is required to be prepared with respect to the distribution date of _______ __,
____ and with respect to the performance of the Trust during the related Monthly Period.

         Capitalized terms used in this Statement have their respective meanings set forth in the Pooling and
Servicing Agreement.


A.           Information Regarding the Current Monthly Distribution (Stated on the Basis of $1,000 Original
             Certificate Principal Amount)
             1.         The amount of the current monthly distribution in respect of Class A
                        Monthly Principal.............................................          $__________
             2.         The amount of the current monthly distribution in respect of Class B
                        Monthly Principal.............................................          $__________
             3.         The amount of the current monthly distribution in respect of
                        Collateral Monthly Principal..................................          $__________
             4.         The amount of the current monthly distribution in respect of Class A
                        Monthly Interest..............................................          $__________
             5.         The amount of the current monthly distribution in respect of Class A
                        Deficiency Amounts............................................          $__________
             6.         The amount of the current monthly distribution in respect of Class A
                        Additional Interest...........................................          $__________
             7.         The amount of the current monthly distribution in respect of Class B
                        Monthly Interest..............................................          $__________
             8.         The amount of the current monthly distribution in respect of Class B
                        Deficiency Amounts............................................          $__________
             9.         The amount of the current monthly distribution in respect of Class B
                        Additional Interest...........................................          $__________
             10.        The amount of the current monthly distribution in respect of
                        Collateral Minimum Monthly Interest...........................          $__________


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             11.        The amount of the current monthly distribution in respect of any
                        accrued and unpaid Collateral Minimum Monthly Interest........          $__________
B.           Information Regarding the Performance of the Trust
             1.         Collection of Principal Receivables
                        (a)     The aggregate amount of Collections of Principal Receivables
                                processed during the related Monthly Period which were
                                allocated in respect of the Class A Certificates.............   $__________
                        (b)     The aggregate amount of Collections of Principal Receivables
                                processed during the related Monthly Period which were
                                allocated in respect of the Class B Certificates.............   $__________
                        (c)     The aggregate amount of Collections of Principal Receivables
                                processed during the related Monthly Period which were
                                allocated in respect of the Collateral Interest..............   $__________
             2.         Principal Receivables in the Trust
                        (a)     The aggregate amount of Principal Receivables in the Trust as
                                of the end of the day on the last day of the related Monthly
                                Period.......................................................   $__________
                        (b)     The amount of Principal Receivables in the Trust represented
                                by the Investor Interest of Series   2001-B as of the end of
                                the day on the last day of the related Monthly Period........   $__________
                        (c)     The amount of Principal Receivables in the Trust represented
                                by the Series 2001-B Adjusted Investor Interest as of the end
                                of the day on the last day of the related Monthly Period.....   $__________
                        (d)     The amount of Principal Receivables in the Trust represented
                                by the Class A Investor Interest as of the end of the day on
                                the last day of the related Monthly Period...................   $__________
                        (e)     The amount of Principal Receivables in the Trust represented
                                by the Class A Adjusted Investor Interest as of the end of
                                the day on the last day of the related Monthly Period........   $__________
                        (f)     The amount of Principal Receivables in the Trust represented
                                by the Class B Investor Interest as of the end of the day on
                                the last day of the related Monthly Period...................   $__________
                        (g)     The amount of Principal Receivables in the Trust represented
                                by the Class B Adjusted Investor Interest as of the end of
                                the day on the last day of the related Monthly Period........   $__________


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                        (h)     The amount of Principal Receivables in the Trust represented
                                by the Collateral Interest Amount as of the end of the day on
                                the last day of the related Monthly Period...................   $__________
                        (i)     The amount of Principal Receivables in the Trust represented
                                by the Collateral Interest Adjusted Amount as of the end of
                                the day on the last day of the related Monthly Period........   $__________
                        (j)     The Floating Investor Percentage with respect to the related
                                Monthly Period...............................................   ____%
                        (k)     The Class A Floating Allocation with respect to the related
                                Monthly Period...............................................   ____%
                        (l)     The Class B Floating Allocation with respect to the related
                                Monthly Period...............................................   ____%
                        (m)     The Collateral Floating Allocation with respect to the
                                related Monthly Period.......................................   ____%
                        (n)     The Fixed Investor Percentage with respect to the related
                                Monthly Period...............................................   ____%
                        (o)     The Class A Fixed Allocation with respect to the related
                                Monthly Period...............................................   ____%
                        (p)     The Class B Fixed Allocation with respect to the related
                                Monthly Period...............................................   ____%
                        (q)     The Collateral Fixed Allocation with respect to the related
                                Monthly Period...............................................   ____%
             3.         Delinquent Balances
                        The aggregate amount of outstanding balances in the Accounts which were delinquent as of the
                        end of the day on the last day of the related Monthly Period:

                                               Aggregate                                             Percentage
                                                Account                                               of Total
                                                Balance                                              Receivables

                        (a)              30     -  59 days:                   $__________               ____%
                        (b)              60     -  89 days:                   $__________               ____%
                        (c)              90     -  119 days:                  $__________               ____%
                        (d)              120    -  149 days:                  $__________               ____%
                        (e)              150    -  or more days:              $__________               ____%
                                                     Total:                   $__________               ____%

             4.         Investor Default Amount
                        (a)     The Aggregate Investor Default Amount for the related Monthly
                                Period.......................................................        $__________
                        (b)     The Class A Investor Default Amount for the related Monthly
                                Period.......................................................        $__________



                                                       C-3





                        (c)     The Class B Investor Default Amount for the related Monthly
                                Period.......................................................        $__________
                        (d)     The Collateral Default Amount for the related Monthly Period.        $__________
             5.         Investor Charge Offs
                        (a)     The aggregate amount of Class A Investor Charge Offs for the
                                related Monthly Period.......................................        $__________
                        (b)     The aggregate amount of Class A Investor Charge Offs set
                                forth in 5(a) above per $1,000 of original certificate
                                principal amount.............................................        $__________
                        (c)     The aggregate amount of Class B Investor Charge Offs for the
                                related Monthly Period.......................................        $__________
                        (d)     The aggregate amount of Class B Investor Charge Offset forth
                                in 5(c) above per $1,000 of original certificate principal
                                amount.......................................................        $__________
                        (e)     The aggregate amount of Collateral Charge Offs for the
                                related Monthly Period.......................................        $__________
                        (f)     The aggregate amount of Collateral Charge Offs set forth in
                                5(e) above per $1,000 of original certificate principal amount       $__________
                        (g)     The aggregate amount of Class A Investor Charge Offs
                                reimbursed on the Transfer Date immediately preceding this
                                Distribution Date............................................        $__________
                        (h)     The aggregate amount of Class A Investor Charge Offs set
                                forth in 5(g) above per $1,000 original certificate principal
                                amount reimbursed on the Transfer Date immediately preceding
                                this Distribution Date.......................................        $__________
                        (i)     The aggregate amount of Class B Investor Charge Offs
                                reimbursed on the Transfer Date immediately preceding this
                                Distribution Date............................................        $__________
                        (j)     The aggregate amount of Class B Investor Charge Offs set
                                forth in 5(i) above per $1,000 original certificate principal
                                amount reimbursed on the Transfer Date immediately preceding
                                this Distribution Date.......................................        $__________
                        (k)     The aggregate amount of Collateral Charge Offs reimbursed on
                                the Transfer Date immediately preceding this Distribution Date       $__________



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                        (l)     The aggregate amount of Collateral Charge Offs set forth in
                                5(k) above per $1,000 original certificate principal amount
                                reimbursed on the Transfer Date immediately preceding
                                Distribution Date............................................   $__________
             6.         Investor Servicing Fee
                        (a)     The amount of the Class A Servicing Fee payable by the Trust
                                to the Servicer for the related Monthly Period...............   $__________
                        (b)     The amount of the Class B Servicing Fee payable by the Trust
                                to the Servicer for the related Monthly Period...............   $__________
                        (c)     The amount of the Collateral Servicing Fee payable by the
                                Trust to the Servicer for the related Monthly Period.........   $__________
                        (d)     the amount of Servicer Interchange payable by the Trust to
                                the Servicer for the related Monthly
                                Period.......................................................   $__________
             7.         Reallocations
                        (a)     The amount of Reallocated Collateral Principal Collections
                                with respect to this Distribution Date.......................   $__________
                        (b)     The amount of Reallocated Class B Principal Collections with
                                respect to this Distribution Date............................   $__________
                        (c)     The Collateral Interest Amount as of the close of business on
                                this Distribution Date.......................................   $__________
                        (d)     The Collateral Interest Adjusted Amount as of the close of
                                business on this Distribution Date...........................   $__________
                        (e)     The Class B Investor Interest as of the close of business on
                                this Distribution Date.......................................   $__________
                        (f)     The Class B Adjusted Investor Interest as of the close of
                                business on this Distribution Date...........................   $__________
                        (g)     The Class A Investor Interest as of the close of business on
                                this Distribution Date.......................................   $__________
                        (h)     The Class A Adjusted Investor Interest as of the close of
                                business on this Distribution Date...........................   $__________
             8.         Collection of Finance Charge Receivables
                        (a)     The aggregate amount of Collections of Finance Charge
                                Receivables and Annual Membership Fees processed during the
                                related Monthly Period which were allocated in respect of the
                                Class A
                                Certificates.................................................   $__________
                        (b)     The aggregate amount of Collections of Finance Charge
                                Receivables and Annual Membership Fees processed during the
                                related Monthly Period which were allocated in respect of the
                                Class B
                                Certificates.................................................   $__________



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                        (c)     The aggregate amount of Collections of Finance Charge
                                Receivables and Annual Membership Fees processed during the
                                related Monthly Period which were allocated in respect of the
                                Collateral Interest..........................................   $__________
             9.         Principal Funding Account
                        (a)     The principal amount on deposit in the Principal Funding
                                Account on the related Transfer Date.........................   $__________
                        (b)     The Accumulation Shortfall with respect to the related
                                Monthly Period...............................................   $__________
                        (c)     The Principal Funding Investment Proceeds deposited in the
                                Finance Charge Account on the related Transfer Date to be
                                treated as Class A Available Funds...........................   $__________
                        (d)     The Principal Funding Investment Proceeds deposited in the
                                Finance Charge Account on the related Transfer Date to be
                                treated as Class B Available Funds...........................   $__________
             10.        Reserve Account
                        (a)     The Reserve Draw Amount on the related Transfer Date.........   $__________
                        (b)     The amount of the Reserve Draw Amount deposited in the
                                Finance Charge Account on the related Transfer Date to be
                                treated as Class A Available Funds...........................   $__________
                        (c)     The amount of the Reserve Draw Amount deposited in the
                                Finance Charge Account on the related Transfer Date to be
                                treated as Class B Available Funds...........................   $__________
             11.        Available Funds
                        (a)     The amount of Class A Available Funds on deposit in the
                                Finance Charge Account on the related Transfer Date..........   $__________
                        (b)     The amount of Class B Available Funds on deposit in the
                                Finance Charge Account on the related Transfer Date..........   $__________
                        (c)     The amount of Collateral Available Funds on deposit in the
                                Finance Charge Account on the related Transfer Date..........   $__________
             12.        Portfolio Yield
                        (a)     The Portfolio Yield for the related Monthly Period...........   ____%
                        (b)     The Portfolio Adjusted Yield for the related
                                Monthly Period...............................................   ____%



                                                       C-6






C.      Floating Rate Determination:

        1.         LIBOR for the Interest Period ending on this Distribution Date............   ____%


                                                     FIA CARD SERVICES,
                                                        NATIONAL ASSOCIATION,
                                                        Servicer



                                                     By:_________________________
                                                            Name:
                                                            Title:



                                                       C-7











                                                                                                          EXHIBIT D

                                             FORM OF INVESTMENT LETTER

                                                      [Date]


         Re       BA Master Credit Card Trust II;
                  Purchases of Series 2001-B Collateral Interest

Ladies and Gentlemen:

                  This letter (the "Investment Letter") is delivered by the undersigned (the "Purchaser")
pursuant to Section 19 of the Amended and Restated Series 2001-B Supplement dated as of March 2, 2009 (the
"Series Supplement") to the Second Amended and Restated Pooling and Servicing Agreement dated as of October 20,
2006 (as amended and supplemented, the "Agreement"), each among The Bank of New York Mellon, as Trustee, BA
Credit Card Funding, LLC, as Transferor, and FIA Card Services, National Association, as Servicer.  Capitalized
terms used herein without definition shall have the meanings set forth in the Agreement.  The Purchaser
represents to and agrees with the Transferor as follows:

                  (a)      The Purchaser has such knowledge and experience in financial and business matters as
to be capable of evaluating the merits and risks of its investment in the Collateral Interest and is able to bear
the economic risk of such investment.

                  (b)      The Purchaser is an "accredited investor", as defined in Rule 501, promulgated by the
Securities and Exchange Commission (the "Commission") under the Securities Act of 1933, as amended (the
"Securities Act"), or is a sophisticated institutional investor.  The Purchaser understands that the offering and
sale of the Collateral Interest has not been and will not be registered under the Securities Act and has not and
will not be registered or qualified under any applicable "Blue Sky" law, and that the offering and sale of the
Collateral Interest has not been reviewed by, passed on or submitted to any federal or state agency or
commission, securities exchange or other regulatory body.

                  (c)      The Purchaser is acquiring an interest in the Collateral Interest without a view to
any distribution, resale or other transfer thereof except, with respect to any Collateral Interest or any
interest or participation therein, as contemplated in the following sentence.  The Purchaser will not resell or
otherwise transfer any interest or participation in the Collateral Interest, except in accordance with Section 19
of the Series Supplement and (i) in a transaction exempt from the registration requirements of the Securities Act
of 1933, as amended, and applicable state securities or "blue sky" laws; (ii) to the Transferor or any affiliate
of the Transferor; or (iii) to a person who the Purchaser reasonably believes is a qualified institutional buyer
(within the meaning thereof in Rule 144A under the Securities Act) that is aware that the resale or other
transfer is being made in reliance upon Rule 144A.  In connection therewith, the Purchaser hereby agrees that it
will not resell or otherwise transfer the Collateral Interest or any



                                                       D-1






interest therein unless the purchaser thereof provides to the addressee hereof a letter substantially in the form
hereof.

                  (d)      No portion of the Collateral Interest or any interest therein may be Transferred, and
each Assignee will certify that it is not, (a) an "employee benefit plan" (as defined in Section 3(3) of ERISA),
including governmental plans and church plans, (b) any "plan" (as defined in Section 4975(e)(1) of the Code)
including individual retirement accounts and Keogh plans, or (c) any other entity whose underlying assets include
"plan assets" (within the meaning of Department of Labor Regulation Section 2510.3-101, 29 C.F.R. § 2510.3-101 or
otherwise under ERISA) by reason of a plan's investment in the entity, including, without limitation, an
insurance company general account.

                  (e)      This Investment Letter has been duly executed and delivered and constitutes the legal,
valid and binding obligation of the Purchaser, enforceable against the Purchaser in accordance with its terms,
except as such enforceability may be limited by bankruptcy, insolvency, reorganization, moratorium or similar
laws or equitable principles affecting the enforcement of creditors' rights generally and general principles of
equity.


                                                                   Very truly yours,

                                                                   [NAME OF PURCHASER]


                                                                   By:___________________________
                                                                      Name:
                                                                      Title:
AGREED TO AS OF THE DATE FIRST ABOVE WRITTEN:

FIA CARD SERVICES,
  NATIONAL ASSOCIATION,
  as Servicer


By:_______________________
   Name:
   Title:




                                                       D-2










                                                                                              SCHEDULE TO EXHIBIT C

                                    SCHEDULE TO MONTHLY SERVICER'S CERTIFICATE
                                     MONTHLY PERIOD ENDING _________ __, ____
                                      FIA CARD SERVICES, NATIONAL ASSOCIATION
                                   BA MASTER CREDIT CARD TRUST II SERIES 2001-B


1.            The aggregate amount of the Investor Percentage of Collections of Principal
              Receivables......................................................................  $__________
2.            The aggregate amount of the Investor Percentage of Collections of Finance Charge
              Receivables (excluding Interchange and amounts with respect to Annual Membership
              Fees)............................................................................  $__________
3.            The aggregate amount of the Investor Percentage of amounts with respect to
              Annual Membership Fees...........................................................  $__________
4.            The aggregate amount of the Investor Percentage of Interchange...................  $__________
5.            The aggregate amount of Servicer Interchange.....................................  $__________
6.            The aggregate amount of funds on deposit in Finance Charge Account allocable to
              the Series 2001-B Certificates...................................................  $__________
7.            The aggregate amount of funds on deposit in the Principal Account allocable to
              the Series 2001-B Certificates...................................................  $__________
8.            The aggregate amount of funds on deposit in the Principal Funding Account
              allocable to the Series 2001-B Certificates......................................  $__________
9.            The aggregate amount to be withdrawn from the Finance Charge Account pursuant to
              Section 4.11 and distributed to the Collateral Interest Holder in accordance
              with subsection 5.01(c)..........................................................  $__________
10.           The amount of Monthly Interest, Deficiency Amounts and Additional Interest, if
              applicable, payable to the
              (i)    Class A Certificateholders................................................  $__________
              (ii)   Class B Certificateholders................................................  $__________
              (iii)  Collateral Interest Holder................................................  $__________
11.           The amount of principal payable to the
              (i)    Class A  Certificateholders...............................................  $__________
              (ii)   Class B Certificateholders................................................  $__________
              (iii)  Collateral Interest Holder................................................  $__________
12.           The sum of all amounts payable to the
              (i)    Class A Certificateholders................................................  $__________
              (ii)   Class B Certificateholders................................................  $__________
              (iii)  Collateral Interest Holder................................................  $__________
13.           To the knowledge of the undersigned, no Series 2001-B Pay Out Event or Trust Pay
              Out Event has occurred except as described below:
                     None.











                  IN WITNESS WHEREOF, the undersigned has duly executed and delivered this Certificate this __th
day of __________, ____.



                                                     FIA CARD SERVICES,
                                                     NATIONAL ASSOCIATION,
                                                     as Servicer



                                                     By:    _________________________
                                                            Name:
                                                            Title:




                                                       D-4