______________________________________________________________________________________________________________




                                               BA CREDIT CARD TRUST

                                                     as Issuer





                                          CLASS A(2008-10) TERMS DOCUMENT

                                            dated as of August 15, 2008

                                                        to

                                AMENDED AND RESTATED BASERIES INDENTURE SUPPLEMENT

                                             dated as of June 10, 2006

                                                        to

                                       SECOND AMENDED AND RESTATED INDENTURE

                                           dated as of October 20, 2006



                                            THE BANK OF NEW YORK MELLON

                                               as Indenture Trustee




______________________________________________________________________________________________________________







                                                     ARTICLE I
                              Definitions and Other Provisions of General Application

Section 1.01.         Definitions................................................................................1

Section 1.02.         Governing Law; Submission to Jurisdiction; Agent for Service of Process....................5

Section 1.03.         Counterparts...............................................................................6

Section 1.04.         Ratification of Indenture and Indenture Supplement.........................................6

                                                    ARTICLE II
                                            The Class A(2008-10) Notes

Section 2.01.         Creation and Designation...................................................................7

Section 2.02.         Specification of Required Subordinated Amount and other Terms..............................7

Section 2.03.         Interest Payment...........................................................................7

Section 2.04.         Calculation Agent; Determination of LIBOR..................................................8

Section 2.05.         Payments of Interest and Principal.........................................................8

Section 2.06.         Form of Delivery of Class A(2008-10) Notes; Depository; Denominations......................9

Section 2.07.         Delivery and Payment for the Class A(2008-10) Notes........................................9

Section 2.08.         Targeted Deposits to the Accumulation Reserve Account......................................9

                                                    ARTICLE III
                                          Representations and Warranties

Section 3.01.         Issuer's Representations and Warranties...................................................10





                  THIS CLASS A(2008-10) TERMS DOCUMENT (this "Terms Document"), by and between BA CREDIT CARD
TRUST, a statutory trust created under the laws of the State of Delaware (the "Issuer"), having its principal
office at Rodney Square North, 1100 North Market Street, Wilmington, Delaware 19890, and THE BANK OF NEW YORK
MELLON, a New York banking corporation, as Indenture Trustee (the "Indenture Trustee"), is made and entered into
as of August 15, 2008.

                  Pursuant to this Terms Document, the Issuer and the Indenture Trustee shall create a new
tranche of Class A Notes and shall specify the principal terms thereof.

                                                     ARTICLE I

                              Definitions and Other Provisions of General Application

                  Section 1.01      Definitions. For all purposes of this Terms Document, except as otherwise
expressly provided or unless the context otherwise requires:

                  (a)      the terms defined in this Article have the meanings assigned to them in this Article, and
include the plural as well as the singular;

                  (b)      all other terms used herein which are defined in the Amended and Restated BAseries Indenture
Supplement, dated as of June 10, 2006 (the "Indenture Supplement"), between the Issuer and the Indenture Trustee,
or the Second Amended and Restated Indenture, dated as of October 20, 2006 (the "Indenture"), between the Issuer
and the Indenture Trustee, as acknowledged and accepted by FIA, as Servicer, either directly or by reference
therein, have the meanings assigned to them therein;

                  (c)      all accounting terms not otherwise defined herein have the meanings assigned to them in
accordance with generally accepted accounting principles and, except as otherwise herein expressly provided, the
term "generally accepted accounting principles" with respect to any computation required or permitted hereunder
means such accounting principles as are generally accepted in the United States of America at the date of such
computation;

                  (d)      all references in this Terms Document to designated "Articles," "Sections" and other
subdivisions are to the designated Articles, Sections and other subdivisions of this Terms Document as originally
executed;

                  (e)      the words "herein," "hereof" and "hereunder" and other words of similar import refer to this
Terms Document as a whole and not to any particular Article, Section or other subdivision;

                  (f)      in the event that any term or provision contained herein shall conflict with or be
inconsistent with any term or provision contained in the Indenture Supplement or the Indenture, the terms and
provisions of this Terms Document shall be controlling;

                  (g)      each capitalized term defined herein shall relate only to the Class A(2008-10) Notes and no
other tranche of Notes issued by the Issuer; and







                  (h)      "including" and words of similar import will be deemed to be followed by "without
limitation."

                  "Accumulation Reserve Funding Period" shall mean, (a) if the Accumulation Period Length is
determined to be one (1) month, there shall be no Accumulation Reserve Funding Period and (b) otherwise, the
period (x) commencing on the earliest to occur of (i) the Monthly Period beginning three (3) calendar months
prior to the first Transfer Date for which a budgeted deposit is targeted to be made into the Principal Funding
sub-Account of the Class A(2008-10) Notes pursuant to Section 3.10(b) of the Indenture Supplement, (ii) the
Monthly Period following the first Transfer Date following and including the July 2011 Transfer Date for which
the Quarterly Excess Available Funds Percentage is less than 2%, but in such event the Accumulation Reserve
Funding Period shall not be required to commence earlier than 24 months prior to the Expected Principal Payment
Date, (iii) the Monthly Period following the first Transfer Date following and including the January 2012
Transfer Date for which the Quarterly Excess Available Funds Percentage is less than 3%, but in such event the
Accumulation Reserve Funding Period shall not be required to commence earlier than 18 months prior to the
Expected Principal Payment Date, and (iv) the Monthly Period following the first Transfer Date following and
including the March 2012 Transfer Date for which the Quarterly Excess Available Funds Percentage is less than 4%,
but in such event the Accumulation Reserve Funding Period shall not be required to commence earlier than 16
months prior to the Expected Principal Payment Date and (y) ending on the close of business on the last day of
the Monthly Period preceding the earlier to occur of (i) the Expected Principal Payment Date for the Class
A(2008-10) Notes and (ii) the date on which the Class A(2008-10) Notes are paid in full.

                  "Base Rate" means, with respect to any Monthly Period, the sum of (i) the Weighted Average
Interest Rates for the Outstanding BAseries Notes, (ii) the Net Servicing Fee Rate (as such term is defined in
the Series 2001-D Supplement) and (iii) so long as FIA or The Bank of New York Mellon is the Servicer, the
Servicer Interchange Rate, in each case, for such Monthly Period.

                  "BAseries Servicer Interchange" means, with respect to any Monthly Period, an amount equal to
the product of (a) the Servicer Interchange (as such term is defined in the Series 2001-D Supplement) with
respect to such Monthly Period and (b) a fraction the numerator of which is the Weighted Average Available Funds
Allocation Amount for the BAseries for such Monthly Period and the denominator of which is the Weighted Average
Available Funds Allocation Amount for all series of Notes for such Monthly Period.

                  "Calculation Agent" is defined in Section 2.04(a).

                  "Class A(2008-10) Note" means any Note, substantially in the form set forth in Exhibit A-1 to
the Indenture Supplement, designated therein as a Class A(2008-10) Note and duly executed and authenticated in
accordance with the Indenture.

                  "Class A(2008-10) Noteholder" means a Person in whose name a Class A(2008-10) Note is
registered in the Note Register.


                                                         2





                  "Class A(2008-10) Termination Date" means the earliest to occur of (a) the Principal Payment
Date on which the Outstanding Dollar Principal Amount of the Class A(2008-10) Notes is paid in full, (b) the Legal
Maturity Date and (c) the date on which the Indenture is discharged and satisfied pursuant to Article VI thereof.

                  "Class A Required Subordinated Amount of Class B Notes" is defined in Section 2.02(a).

                  "Class A Required Subordinated Amount of Class C Notes" is defined in Section 2.02(b).

                  "Controlled Accumulation Amount" means $41,666,666.67; provided, however, if the Accumulation
Period Length is determined to be less than twelve (12) months pursuant to Section 3.10(b)(ii) of the Indenture
Supplement, the Controlled Accumulation Amount shall be the amount specified in the definition of "Controlled
Accumulation Amount" in the Indenture Supplement.

                  "Excess Available Funds Percentage" means, with respect to any Transfer Date, the amount, if
any, by which the Portfolio Yield for the preceding Monthly Period exceeds the Base Rate for such Monthly Period.

                  "Expected Principal Payment Date" means August 15, 2013.

                  "Initial Dollar Principal Amount" means $500,000,000.

                  "Interest Payment Date" means the fifteenth day of each month, or if such fifteenth day is not
a Business Day, the next succeeding Business Day, commencing September 15, 2008.

                  "Interest Period" means, with respect to any Interest Payment Date, the period from and
including the previous Interest Payment Date (or in the case of the initial Interest Payment Date, from and
including the Issuance Date) through the day preceding such Interest Payment Date.

                  "Issuance Date" means August 15, 2008.

                  "Legal Maturity Date" means January 15, 2016.

                  "LIBOR" means, for any Interest Period, the London interbank offered rate for one-month United
States dollar deposits or, for the first Interest Period, the rate that corresponds to the actual number of days
in the first Interest Period determined by the Calculation Agent on the LIBOR Determination Date for that
Interest Period in accordance with the provisions of Section 2.04.


                                                         3





                  "LIBOR Determination Date" means August 13, 2008 for the period from and including the Issuance
Date to but excluding September 15, 2008, and for each Interest Period thereafter, the second London Business Day
prior to the Interest Payment Date on which such Interest Period commences.

                  "London Business Day" means any Business Day on which dealings in deposits in United States
Dollars are transacted in the London interbank market.

                  "Note Interest Rate" means a per annum rate equal to 1.30% in excess of LIBOR as determined by
the Calculation Agent on the related LIBOR Determination Date with respect to each Interest Period.

                  "Paying Agent" means The Bank of New York Mellon.

                  "Portfolio Yield" means, with respect to any Monthly Period, the annualized percentage
equivalent of a fraction, the numerator of which is (a) the amount of Available Funds allocated to the BAseries
pursuant to Section 501 of the Indenture, plus (b) any Interest Funding sub-Account Earnings on the related
Transfer Date, plus (c) any amounts to be treated as BAseries Available Funds pursuant to Sections 3.20(d) and
3.27(a) of the Indenture Supplement, plus (d) the BAseries Servicer Interchange for such Monthly Period, minus
(e) the excess, if any, of the sum of the PFA Prefunding Earnings Shortfall plus the PFA Accumulation Earnings
Shortfall over the sum of the aggregate amount to be treated as BAseries Available Funds for such Monthly Period
pursuant to Sections 3.04(a)(ii) and 3.25(a) of the Indenture Supplement plus any other amounts applied to cover
earnings shortfalls on amounts in the Principal Funding sub-Account for any tranche of BAseries Notes for such
Monthly Period, minus (f) the BAseries Investor Default Amount for such Monthly Period, and the denominator of
which is the Weighted Average Available Funds Allocation Amount for the BAseries for such Monthly Period.

                  "Predecessor Note" means, with respect to any particular Note, every previous Note evidencing
all or a portion of the same debt as that evidenced by such particular Note; and, for the purpose of this
definition, any Note authenticated and delivered under Section 306 of the Indenture in lieu of a mutilated, lost,
destroyed or stolen Note shall be deemed to evidence the same debt as the mutilated, lost, destroyed or stolen
Note.

                  "Quarterly Excess Available Funds Percentage" means, with respect to the July 2011 Transfer
Date and each Transfer Date thereafter, the percentage equivalent of a fraction the numerator of which is the sum
of the Excess Available Funds Percentages with respect to the immediately preceding three Monthly Periods and the
denominator of which is three.

                  "Record Date" means, for any Transfer Date, the last Business Day of the preceding Monthly
Period.

                  "Reference Banks" means four major banks in the London interbank market selected by the
Beneficiary.


                                                         4




                  "Required Accumulation Reserve sub-Account Amount" means, with respect to any Monthly Period
during the Accumulation Reserve Funding Period, an amount equal to (i) 0.5% of the Outstanding Dollar Principal
Amount of the Class A(2008-10) Notes as of the close of business on the last day of the preceding Monthly Period
or (ii) any other amount designated by the Issuer; provided, however, that if such designation is of a lesser
amount, the Note Rating Agencies shall have provided prior written confirmation that a Ratings Effect will not
occur with respect to such change.

                  "Reuters Screen LIBOR01 Page" means the display page currently so designated on the Reuters
Monitor Money Rates (or such other page as may replace that page on that service, or such other service as may be
nominated as the information vendor, for the purpose of displaying comparable rates or prices).

                  "Servicer Interchange Rate" means, for any Monthly Period, the percentage equivalent of a
fraction, the numerator of which is the BAseries Servicer Interchange for such Monthly Period, and the
denominator of which is the Weighted Average Available Funds Allocation Amount for the BAseries for such Monthly
Period.

                  "Stated Principal Amount" means $500,000,000.

                  "Weighted Average Interest Rates" means, with respect to any Outstanding Notes of a class or
tranche of the BAseries, or of all of the Outstanding Notes of the BAseries, on any date, the weighted average
(weighted based on the Outstanding Dollar Principal Amount of the related Notes on such date) of the following
rates of interest:

                  (a)      in the case of a tranche of Dollar Interest-bearing Notes with no Derivative Agreement for
interest, the rate of interest applicable to that tranche on that date;

                  (b)      in the case of a tranche of Discount Notes, the rate of accretion (converted to an accrual
rate) of that tranche on that date;

                  (c)      in the case of a tranche of Notes with a payment due under a Performing Derivative Agreement
for interest, the rate at which payments by the Issuer to the applicable Derivative Counterparty accrue on that
date (prior to the netting of such payments, if applicable); and

                  (d)      in the case of a tranche of Notes with a non-Performing Derivative Agreement for interest,
the rate specified for that date in the related terms document.

                  Section 1.02      Governing Law; Submission to Jurisdiction; Agent for Service of Process. This
Terms Document 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 Terms
Document 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 Terms Document involves at least $100,000.00, and (b) that this Terms Document
has been entered into by the parties hereto in express reliance upon 6 DEL. C. § 2708.


                                                         5






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 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 1.03      Counterparts. This Terms Document may be executed in any number of
counterparts, each of which so executed will be deemed to be an original, but all such counterparts will together
constitute but one and the same instrument.

                  Section 1.04      Ratification of Indenture and Indenture Supplement. As supplemented by this
Terms Document, each of the Indenture and the Indenture Supplement is in all respects ratified and confirmed and
the Indenture as so supplemented by the Indenture Supplement as so supplemented and this Terms Document shall be
read, taken and construed as one and the same instrument.

                                                [END OF ARTICLE I]

                                                         6






                                                    ARTICLE II

                                            The Class A(2008-10) Notes

                  Section 2.01      Creation and Designation. There is hereby created a tranche of BAseries Class A
Notes to be issued pursuant to the Indenture and the Indenture Supplement to be known as the "BAseries Class
A(2008-10) Notes."

                  Section 2.02      Specification of Required Subordinated Amount and other Terms.

                  (a)      For the Class A(2008-10) Notes for any date of determination, the Class A Required
Subordinated Amount of Class B Notes will be an amount equal to 8.72093% of (i) the Adjusted Outstanding Dollar
Principal Amount of the Class A(2008-10) Notes on such date or (ii) if an Early Redemption Event with respect to
the Class A(2008-10) Notes shall have occurred, if an Event of Default and acceleration of the Class A(2008-10)
Notes shall have occurred or if the Class A Usage of the Class B Required Subordinated Amount for such tranche of
Class A Notes is greater than zero, the Adjusted Outstanding Dollar Principal Amount of the Class A(2008-10) Notes
as of close of business on the day immediately preceding the occurrence of such Early Redemption Event, such Event
of Default and acceleration or the date on which the Class A Usage of Class B Required Subordinated Amount exceeded
zero.

                  (b)      For the Class A(2008-10) Notes for any date of determination, the Class A Required
Subordinated Amount of Class C Notes will be an amount equal to 7.55814% of (i) the Adjusted Outstanding Dollar
Principal Amount of the Class A(2008-10) Notes on such date or (ii) if an Early Redemption Event with respect to
the Class A(2008-10) Notes shall have occurred, if an Event of Default and acceleration of the Class A(2008-10)
Notes shall have occurred or if the Class A Usage of the Class C Required Subordinated Amount for such tranche of
Class A Notes is greater than zero, the Adjusted Outstanding Dollar Principal Amount of the Class A(2008-10) Notes
as of close of business on the day immediately preceding the occurrence of such Early Redemption Event, such Event
of Default and acceleration or the date on which the Class A Usage of Class C Required Subordinated Amount exceeded
zero.

                  (c)      The Issuer may change the percentages set forth in clause (a) or (b) above without the
consent of any Noteholder so long as the Issuer has (i) received written confirmation from each Note Rating Agency
that has rated any Outstanding Notes of the BAseries that the change in either of such percentages will not result
in a Ratings Effect with respect to any Outstanding Notes of the BAseries and (ii) delivered to the Indenture
Trustee and the Note Rating Agencies a Master Trust Tax Opinion and an Issuer Tax Opinion.

                  Section 2.03      Interest Payment.

                  (a)      For each Interest Payment Date, the amount of interest due with respect to the Class
A(2008-10) Notes 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 Note Interest Rate
in effect with respect to the related Interest Period, times (ii) the Outstanding Dollar Principal Amount of the
Class A(2008-10) Notes determined as of the Record Date preceding the related Transfer Date. Interest on the


                                                         7






Class A(2008-10) Notes will be calculated on the basis of the actual number of days in the related Interest
Period and a 360-day year.

                  (b)      Pursuant to Section 3.03 of the Indenture Supplement, on each Transfer Date, the Indenture
Trustee shall deposit into the Class A(2008-10) Interest Funding sub-Account the portion of BAseries Available
Funds allocable to the Class A(2008-10) Notes.

                  Section 2.04      Calculation Agent; Determination of LIBOR.

                  (a)      The Issuer hereby agrees that for so long as any Class A(2008-10) Notes are Outstanding,
there shall at all times be an agent appointed to calculate LIBOR for each Interest Period (the "Calculation
Agent"). The Issuer hereby initially appoints the Indenture Trustee as the Calculation Agent for purposes of
determining LIBOR for each Interest Period. The Calculation Agent may be removed by the Issuer at any time. If the
Calculation Agent is unable or unwilling to act as such or is removed by the Issuer, or if the Calculation Agent
fails to determine LIBOR for an Interest Period, the Issuer shall promptly appoint a replacement Calculation Agent
that does not control or is not controlled by or under common control with the Issuer or its Affiliates. The
Calculation Agent may not resign its duties, and the Issuer may not remove the Calculation Agent, without a
successor having been duly appointed.

                  (b)      On each LIBOR Determination Date, the Calculation Agent shall determine LIBOR on the basis of
the rate for deposits in United States dollars for a one-month period which appears on Reuters Screen LIBOR01 Page
as of 11:00 a.m., London time, on such date (or, for the first Interest Period, the rate that corresponds to the
actual number of days in the first Interest Period). If such rate does not appear on Reuters Screen LIBOR01 Page,
the rate for that LIBOR Determination Date shall 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 Calculation Agent shall 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 shall 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 four major banks in New York City, selected by the Beneficiary, 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.

                  (c)      The Note Interest Rate applicable to the then current and the immediately preceding
Interest Periods may be obtained by telephoning the Indenture Trustee at its corporate trust office at (212)
815-3247 or such other telephone number as shall be designated by the Indenture Trustee for such purpose by prior
written notice by the Indenture Trustee to each Noteholder from time to time.

                  (d)      On each LIBOR Determination Date, the Calculation Agent shall send to the Indenture
Trustee, the Beneficiary and the Servicer, by facsimile transmission, notification of LIBOR for the following
Interest Period.

                  Section 2.05      Payments of Interest and Principal.


                                                         8






                  (a)      Any installment of interest or principal, if any, payable on any Class A(2008-10) Note which
is punctually paid or duly provided for by the Issuer and the Indenture Trustee on the applicable Interest Payment
Date or Principal Payment Date shall be paid by the Paying Agent to the Person in whose name such Class A(2008-10)
Note (or one or more Predecessor Notes) is registered on the Record Date, by wire transfer of immediately available
funds to such Person's account as has been designated by written instructions received by the Paying Agent from
such Person not later than the close of business on the third Business Day preceding the date of payment or, if no
such account has been so designated, by check mailed first-class, postage prepaid to such Person's address as it
appears on the Note Register on such Record Date, except that with respect to Notes registered on the Record Date
in the name of the nominee of Cede & Co., payment shall be made by wire transfer in immediately available funds
to the account designated by such nominee.

                  (b)      The right of the Class A(2008-10) Noteholders to receive payments from the Issuer will
terminate on the first Business Day following the Class A(2008-10) Termination Date.

                  Section 2.06      Form of Delivery of Class A(2008-10) Notes; Depository; Denominations.

                  (a)      The Class A(2008-10) Notes shall be delivered in the form of a global Registered Note as
provided in Sections 202 and 301(i) of the Indenture, respectively.

                  (b)      The Depository for the Class A(2008-10) Notes shall be The Depository Trust Company, and the
Class A(2008-10) Notes shall initially be registered in the name of Cede & Co., its nominee.

                  (c)      The Class A(2008-10) Notes will be issued in minimum denominations of $5,000 and multiples of
$1,000 in excess of that amount.

                  Section 2.07      Delivery and Payment for the Class A(2008-10) Notes. The Issuer shall execute
and deliver the Class A(2008-10) Notes to the Indenture Trustee for authentication, and the Indenture Trustee shall
deliver the Class A(2008-10) Notes when authenticated, each in accordance with Section 303 of the Indenture.

                  Section 2.08      Targeted Deposits to the Accumulation Reserve Account. The deposit targeted to
be made to the Accumulation Reserve Account for any Monthly Period during the Accumulation Reserve Funding Period
will be an amount equal to the Required Accumulation Reserve sub-Account Amount.

                                                [END OF ARTICLE II]


                                                         9






                                                    ARTICLE III

                                          Representations and Warranties

                  Section 3.01      Issuer's Representations and Warranties. The Issuer makes the following
representations and warranties as to the Collateral Certificate on which the Indenture Trustee is deemed to have
relied in acquiring the Collateral Certificate. Such representations and warranties speak as of the execution and
delivery of this Terms Document, but shall survive until the termination of this Terms Document. Such
representations and warranties shall not be waived by any of the parties to this Terms Document unless the Issuer
has obtained written confirmation from each Note Rating Agency that there will be no Ratings Effect with respect to
such waiver.

                  (a)      The Indenture creates a valid and continuing security interest (as defined in the Delaware
UCC) in the Collateral Certificate in favor of the Indenture Trustee, which security interest is prior to all other
liens, and is enforceable as such as against creditors of and purchasers from the Issuer.

                  (b)      The Collateral Certificate constitutes either an "account," a "general intangible," an
"instrument," or a "certificated security," each within the meaning of the Delaware UCC.

                  (c)      At the time of the transfer and assignment of the Collateral Certificate to the Indenture
Trustee pursuant to the Indenture, the Issuer owned and had good and marketable title to the Collateral Certificate
free and clear of any lien, claim or encumbrance of any Person.

                  (d)      The Issuer has caused, within ten days of the execution of the Indenture, the filing of all
appropriate financing statements in the proper filing office in the appropriate jurisdictions under applicable law
in order to perfect the security interest in the Collateral Certificate granted to the Indenture Trustee pursuant
to the Indenture.

                  (e)      Other than the security interest granted to the Indenture Trustee pursuant to the Indenture,
the Issuer has not pledged, assigned, sold, granted a security interest in, or otherwise conveyed the Collateral
Certificate. The Issuer has not authorized the filing of and is not aware of any financing statements against the
Issuer that include a description of collateral covering the Collateral Certificate other than any financing
statement relating to the security interest granted to the Indenture Trustee pursuant to the Indenture or any
financing statement that has been terminated. The Issuer is not aware of any judgment or tax lien filings against
the Issuer.

                  (f)      All original executed copies of the Collateral Certificate have been delivered to the
Indenture Trustee.

                  (g)      At the time of the transfer and assignment of the Collateral Certificate to the Indenture
Trustee pursuant to the Indenture, the Collateral Certificate had no marks or notations indicating that it has been
pledged, assigned or otherwise conveyed to any Person other than the Indenture Trustee.

                                               [END OF ARTICLE III]


                                                        10








                  IN WITNESS WHEREOF, the parties hereto have caused this Terms Document to be duly executed, all
as of the day and year first above written.

                                            BA CREDIT CARD TRUST,
                                            by BA CREDIT CARD FUNDING, LLC,
                                            as Beneficiary  and not in its individual capacity



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


                                            THE BANK OF NEW YORK MELLON, as Indenture Trustee
                                            and not in its individual capacity



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



                              [Signature Page to the Class A(2008-10) Terms Document]