Exhibit 4.1

    

    
      

      

      BA CREDIT CARD TRUST

       

      as Issuer

       

      CLASS A(2022-1) TERMS DOCUMENT

       

      dated as of June 16, 2022

       

      to

       

      THIRD AMENDED AND RESTATED BASERIES INDENTURE SUPPLEMENT

       

      dated as of December 17, 2015

       

      to

       

      FOURTH AMENDED AND RESTATED INDENTURE

       

      dated as of December 17, 2015

       

      THE BANK OF NEW YORK MELLON

       

      as Indenture Trustee

      

      

      
        
          


      

      
      TABLE OF CONTENTS

       

      

      	 	 	 	
              Page

            
	 	 	 	 
	
              ARTICLE I

            	
              Definitions And Other Provisions Of General Application

            	
              1

            
	 	 	 
	 	
              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(2022‐1) Notes

            	
              7

            
	 	 	 
	 	
              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.

            	
              Payments of Interest and Principal

            	
              8

            
	 	
              Section 2.05.

            	
              Form of Delivery of Class A(2022‐1) Notes; Depository; Denominations

            	
              8

            
	 	
              Section 2.06.

            	
              Delivery and Payment for the Class A(2022‐1) Notes

            	
              8

            
	 	
              Section 2.07.

            	
              Targeted Deposits to the Accumulation Reserve Account

            	
              8

            
	 	 	 
	
              ARTICLE III

            	
              Representations and Warranties

            	
              9

            
	 	 	 
	 	
              Section 3.01.

            	
              Issuer’s Representations and Warranties

            	
              9

            


      

      

      
        - i -

        
          


      

      
      THIS CLASS A(2022-1) 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 June 16, 2022.

       

      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:

       

      
        	 	
                (1)

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

              


      

       

      
        	 	
                (2)

              	
                all other terms used herein which are defined in the Third Amended and Restated BAseries Indenture Supplement, dated as of December 17, 2015 (as modified, amended or supplemented from time to time, the “Indenture
                    Supplement”), between the Issuer and the Indenture Trustee, or the Fourth Amended and Restated Indenture, dated as of December 17, 2015 (as modified, amended or supplemented from time to time, the “Indenture”), between the
                  Issuer and the Indenture Trustee, as acknowledged and accepted by BANA, as Servicer, either directly or by reference therein, have the meanings assigned to them therein;

              


      

       

      
        	 	
                (3)

              	
                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;

              


      

       

      
        	 	
                (4)

              	
                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;

              


      

       

      
        	 	
                (5)

              	
                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;

              


      

       

      
        
          


      

      
      
        	 	
                (6)

              	
                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;

              


      

       

      
        	 	
                (7)

              	
                each capitalized term defined herein shall relate only to the Class A(2022-1) Notes and no other tranche of Notes issued by the Issuer; and

              


      

       

      
        	 	
                (8)

              	
                “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(2022-1) Notes pursuant to Section 3.10(b) of the Indenture Supplement, (ii) the Monthly Period following the first Transfer Date following and including the May 2023 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 November 2023 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 January 2024 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(2022-1) Notes and (ii) the date on which the Class A(2022-1) 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 and the Class D Certificate (as such term is
        defined in the Series 2001‐D Supplement), (ii) the Net Servicing Fee Rate (as such term is defined in the Series 2001‐D Supplement) and (iii) so long as BANA 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.

       

      
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      “Class A(2022-1) Note” means any Note, substantially in the form set forth in Exhibit A-1 to the Indenture Supplement, designated therein as a Class A(2022-1) Note and duly executed
        and authenticated in accordance with the Indenture.

       

      “Class A(2022-1) Noteholder” means a Person in whose name a Class A(2022-1) Note is registered in the Note Register.

       

      “Class A(2022-1) Termination Date” means the earliest to occur of (a) the Principal Payment Date on which the Outstanding Dollar Principal Amount of the Class A(2022-1) 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 $83,333,334; 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 June 16, 2025.

       

      “Initial Dollar Principal Amount” means $1,000,000,000.

       

      “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 August 15, 2022.

       

      “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 June 16, 2022.

       

      “Legal Maturity Date” means November 15, 2027.

       

      “Note Interest Rate” means a per annum rate equal to 3.53%.

       

      
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      “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) the amount of Available Funds distributed pursuant to Sections 4.06(a)(ii) and (iii) of the Series 2001‐D Supplement, plus (c) any Interest Funding sub‐Account
        Earnings on the related Transfer Date, plus (d) any amounts to be treated as BAseries Available Funds pursuant to Sections 3.20(d) and 3.27(a) of the Indenture Supplement, plus (e) the BAseries Servicer Interchange for such Monthly
        Period, minus (f) 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 (g) the BAseries Investor Default Amount for such Monthly Period, minus (h) the Aggregate Class D Investor Default Amount (as such term is defined in the Series 2001‐D Supplement) for such Monthly Period, and the denominator of which is the
        Weighted Average Floating Allocation Investor Interest (as such term is defined in the Series 2001‐D Supplement) 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 May 2023 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 day of the preceding Monthly Period.

       

      “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(2022-1) 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.

       

      “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 Floating Allocation Investor Interest (as such term is defined in the Series 2001‐D Supplement) for such Monthly Period.

       

      
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      “Stated Principal Amount” means $1,000,000,000.

       

      “Weighted Average Interest Rates” means, with respect to any Outstanding Notes of a class or tranche of the BAseries or the Class D Certificate (as such term is defined in the Series 2001‐D
        Supplement), or of all of the Outstanding Notes of the BAseries and the Class D Certificate, on any date, the weighted average (weighted based on the Outstanding Dollar Principal Amount of the related Notes on such date or, in the case of the Class
        D Certificate, based on the Class D Investor Interest (as such term is defined in the Series 2001‐D Supplement) on such date) of the following rates of interest:

       

      (a)          in the case of the Class D Certificate or a tranche of Dollar Interest-bearing Notes with no Derivative Agreement for interest, the rate of interest applicable to that tranche or the
        Class D Certificate 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.  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.

       

      
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      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]

       

      

      
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      ARTICLE II

       

      The Class A(2022-1) 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(2022-1) Notes.”

       

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

       

      (a)        For the Class A(2022-1) Notes for any date of determination, the Class A Required Subordinated Amount of Class B Notes will be an amount equal to 14.28571% of (i) the Adjusted
        Outstanding Dollar Principal Amount of the Class A(2022-1) Notes on such date or (ii) if an Early Redemption Event with respect to the Class A(2022-1) Notes shall have occurred, if an Event of Default and acceleration of the Class A(2022-1) 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(2022-1) 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(2022-1) Notes for any date of determination, the Class A Required Subordinated Amount of Class C Notes will be an amount equal to 12.69841% of (i) the Adjusted
        Outstanding Dollar Principal Amount of the Class A(2022-1) Notes on such date or (ii) if an Early Redemption Event with respect to the Class A(2022-1) Notes shall have occurred, if an Event of Default and acceleration of the Class A(2022-1) 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(2022-1) 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 (other than the first Interest Payment Date), the amount of interest due with respect to the Class A(2022-1) Notes shall be an amount equal to
        one-twelfth of the product of (i) the Note Interest Rate times (ii) the Outstanding Dollar Principal Amount of the Class A(2022-1) Notes determined as of the Record Date preceding the related Transfer
        Date; provided, however, that for the first Interest Payment Date the amount of interest due is $5,785,277.78.  Interest on the Class A(2022-1) Notes will be calculated on the basis of a 360-day year consisting of twelve 30-day
        months.

       

      
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      (b)         Pursuant to Section 3.03 of the Indenture Supplement, on each Transfer Date, the Indenture Trustee shall deposit into the Class A(2022-1) Interest Funding sub-Account the
        portion of BAseries Available Funds allocable to the Class A(2022-1) Notes. 

       

      Section 2.04.       Payments of Interest and Principal.  Any installment of interest or principal, if any, payable on any Class A(2022-1) 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(2022-1) 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.

       

      The right of the Class A(2022-1) Noteholders to receive payments from the Issuer will terminate on the first Business Day following the Class A(2022-1) Termination Date.

       

      Section 2.05.        Form of Delivery of Class A(2022-1) Notes; Depository; Denominations.

       

      (a)          The Class A(2022-1) 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(2022-1) Notes shall be The Depository Trust Company, and the Class A(2022-1) Notes shall initially be registered in the name of Cede & Co., its
        nominee.

       

      (c)          The Class A(2022-1) Notes will be issued in minimum denominations of $5,000 and multiples of $1,000 in excess of that amount.

       

      Section 2.06.          Delivery and Payment for the Class A(2022-1) Notes.  The Issuer shall execute and deliver the Class A(2022-1) Notes to the Indenture Trustee for authentication, and
        the Indenture Trustee shall deliver the Class A(2022-1) Notes when authenticated, each in accordance with Section 303 of the Indenture.

       

      Section 2.07.          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]

       

      

      

      
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      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]

      

      

      
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      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: 

            	
               

              

            
	 	 	
              Name:  Keith W. Landis

            
	 	 	
              Title:  CEO & President

            


      

      

      
        [Signature Page to the Class A(2022-1) Terms Document]

      

      

      

      
        
          


      

      	 	
              THE BANK OF NEW YORK MELLON, as Indenture Trustee

            
	 	
              and not in its individual capacity

            
	 	 
	 	
              By: 

            	 
	 	 	
              Name:  

            
	 	 	
              Title:  

            


      

      

    

    
      
        [Signature Page to the Class A(2022-1) Terms Document]