======================================================================================================================


                                               BA CREDIT CARD TRUST

                                                     as Issuer



                                          CLASS A(2008-9) TERMS DOCUMENT

                                            dated as of August 5, 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



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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........................6

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

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

Article II        The Class A(2008-9) Notes......................................................................8

Section 2.01.     Creation and Designation.......................................................................8

Section 2.02.     Specification of Required Subordinated Amount and other Terms..................................8

Section 2.03.     Interest Payment...............................................................................8

Section 2.04.     Payments of Interest and Principal.............................................................9

Section 2.05.     Form of Delivery of Class A(2008-9) Notes; Depository; Denominations...........................9

Section 2.06.     Delivery and Payment for the Class A(2008-9) Notes............................................10

Section 2.07.     Targeted Deposits to the Accumulation Reserve Account.........................................10

Section 2.08.     Derivative Agreement..........................................................................10

Section 2.09.     Interest Reserve Account......................................................................11

Section 2.10.     Early Redemption Events.......................................................................13

Section 2.11.     Derivative Reserve Account....................................................................13

Section 2.12.     Termination Payments..........................................................................14

Article III       Representations and Warranties................................................................16

Section 3.01.     Issuer's Representations and Warranties.......................................................16






                  THIS CLASS A(2008-9) 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 5, 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:

                  (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 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;

                  (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(2008-9) 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 earlier 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(2008-9) Notes pursuant to Section 3.10(b) of the Indenture Supplement and (ii) the
Monthly Period following the first Transfer Date following and including the September 2008 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(2008-9) Notes and (ii) the date on which the Class
A(2008-9) 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.

                  "Class A(2008-9) Note" means any Note, substantially in the form set forth in Exhibit A-1 to
the Indenture Supplement, designated therein as a Class A(2008-9) Note and duly executed and authenticated in
accordance with the Indenture.

                  "Class A(2008-9) Noteholder" means a Person in whose name a Class A(2008-9) Note is registered
in the Note Register.

                  "Class A(2008-9) Termination Date" means the earliest to occur of  (a) the Principal Payment
Date on which the Outstanding Dollar Principal Amount of the Class A(2008-9) 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.


                                                         2





                  "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 $83,333,333.34; 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.

                  "Derivative Agreement" means the ISDA Master Agreement, together with the Schedule and the
Confirmation thereto, each dated as of August 5, 2008, between the Issuer and the Derivative Counterparty, as
such Derivative Agreement may be amended, modified or replaced.

                  "Derivative Counterparty" means Bank of America, N.A. and any of its successors or transferees
under the Derivative Agreement.

                  "Derivative Fixed Rate" means, for any applicable Interest Period, the fixed rate specified in
the Derivative Agreement.

                  "Derivative Reserve Account" is defined in Section 2.11.

                  "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 February 16, 2010.

                  "Fixed Amount" means, for any Transfer Date, an amount equal to the fixed amount (including the
amount of any termination payment payable by the Derivative Counterparty to the Issuer pursuant to Section 6 of
the Derivative Agreement following the termination of the Derivative Agreement pursuant to the terms thereof)
payable by the Derivative Counterparty to the Issuer for such date pursuant to the Derivative Agreement for
interest for the Class A(2008-9) Notes.

                  "Floating Amount" means, for any Transfer Date, an amount equal to (a) the floating amount
(excluding the amount of any termination payment payable by the Issuer to the Derivative Counterparty pursuant to
Section 6 of the Derivative Agreement following the termination of the Derivative Agreement pursuant to the terms
thereof) payable by the Issuer to the Derivative Counterparty for such date pursuant to the Derivative Agreement,
minus (b) the amount, if any, by which the PFA Accumulation Earnings Shortfall plus the PFA Prefunding Earnings
Shortfall for the Class A(2008-9) Notes for such Transfer Date exceeds the sum of (i)


                                                         3





the aggregate amount withdrawn from the Derivative Reserve Account and (ii) the aggregate amount to be treated as
BAseries Available Funds pursuant to Section 3.04(a)(i) or 3.04(a)(ii) of the Indenture Supplement, in each case,
for the Class A(2008-9) Notes for such Transfer Date; provided, however, that solely for purposes of clause (c) of
the definition of PFA Accumulation Earnings Target and clause (c) of the definition of PFA Prefunding Earnings
Target, the "Floating Amount" for any Transfer Date will be limited to the amount determined pursuant to clause
(a) above.

                  "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 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.

                  "Interest Reserve Account" is defined in Section 2.09.

                  "Interest Reserve Account Event" is defined in Section 2.08.

                  "Issuance Date" means August 5, 2008.

                  "Legal Maturity Date" means July 16, 2012.

                  "Net Derivative Payment" means, for any Transfer Date, (a) if the netting provisions of
subsection 2(c)(ii) of the Derivative Agreement apply, the amount by which the Floating Amount for such date
exceeds the Fixed Amount for such date, and (b) otherwise, an amount equal to the Floating Amount for such date.

                  "Net Derivative Receipt" means, for any Transfer Date, (a) if the netting provisions of
subsection 2(c)(ii) of the Derivative Agreement apply, the amount by which the Fixed Amount for such date exceeds
the Floating Amount for such date, and (b) otherwise, an amount equal to the Fixed Amount for such date.

                  "Note Interest Rate" means a per annum rate equal to 4.07%.

                  "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,


                                                         4





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 September 2008
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.

                  "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(2008-9) 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.

                  "Required Derivative Reserve Amount" shall have the meaning specified in the Supplemental
Derivative Letter dated as of the date hereof between the Issuer, the Indenture Trustee and the Derivative
Counterparty.

                  "Required Interest Reserve Amount" is defined in Section 2.08.

                  "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 $1,000,000,000.


                                                         5





                  "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, which, in the event that the Derivative
Agreement for the Class A(2008-9) Notes is non-Performing, is the Note Interest Rate.

                  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.

                 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


                                                         6





Supplement as so supplemented and this Terms Document shall be read, taken and construed as one and the same
instrument.

                                                [END OF ARTICLE I]


                                                         7





                                                    ARTICLE II

                                             THE CLASS A(2008-9) 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(2008-9) Notes."

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

                  (a)      For the Class A(2008-9) 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(2008-9) Notes on such date or (ii) if an Early Redemption Event with respect to
the Class A(2008-9) Notes shall have occurred, if an Event of Default and acceleration of the Class A(2008-9)
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(2008-9) 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(2008-9) 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(2008-9) Notes on such date or (ii) if an Early Redemption Event with respect to
the Class A(2008-9) Notes shall have occurred, if an Event of Default and acceleration of the Class A(2008-9)
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(2008-9) 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(2008-9) 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(2008-9) 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 $4,522,222.22.  Interest on the


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Class A(2008-9) Notes will be calculated on the basis of a 360-day year and twelve 30-day months.

                  (b)      For purposes of Section 3.02(c) and Section 3.13(d) of the Indenture Supplement, for
each Interest Payment Date, the amount owed to the Derivative Counterparty, if any, will be an amount equal to
the Net Derivative Payment; provided, however, that solely for purposes of determining the targeted deposit to be
made to the Interest Funding sub-Account for the Class A(2008-9) Notes for any Transfer Date pursuant to Section
3.02(c) of the Indenture Supplement, the targeted deposit to the Interest Funding sub-Account for the Class
A(2008-9) Notes will be an amount equal to the Net Derivative Payment less the aggregate amount, if any,
deposited directly into the Interest Funding sub-Account pursuant to Section 2.11(c) on such Transfer Date, for
payment in accordance with Section 2.08(c) of this Terms Document and Section 3.13(d) of the Indenture
Supplement.  For clarification purposes only, Section 706(b) of the Indenture shall be read to include the
payment of any Net Derivative Payment then due and unpaid to the Derivative Counterparty to the extent that
amounts are specified and available therefor pursuant to this Section.

                  (c)      Pursuant to Section 3.03 of the Indenture Supplement, on each Transfer Date, the
Indenture Trustee shall deposit into the Class A(2008-9) Interest Funding sub-Account the portion of BAseries
Available Funds allocable to the Class A(2008-9) Notes.

                  Section 2.04.     Payments of Interest and Principal.

                  (a)      Any installment of interest or principal, if any, payable on any Class A(2008-9) 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(2008-9) 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(2008-9) Noteholders to receive payments from the Issuer will
terminate on the first Business Day following the Class A(2008-9) Termination Date.

                  Section 2.05.     Form of Delivery of Class A(2008-9) Notes; Depository; Denominations.

                  (a)      The Class A(2008-9) Notes shall be delivered in the form of a global Registered Note
as provided in Sections 202 and 301(i) of the Indenture, respectively.


                                                         9





                  (b)      The Depository for the Class A(2008-9) Notes shall be The Depository Trust Company,
and the Class A(2008-9) Notes shall initially be registered in the name of Cede & Co., its nominee.

                  (c)      The Class A(2008-9) 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(2008-9) Notes.  The Issuer shall execute
and deliver the Class A(2008-9) Notes to the Indenture Trustee for authentication, and the Indenture Trustee
shall deliver the Class A(2008-9) 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.

                  Section 2.08.     Derivative Agreement.

                  (a)      The Issuer shall enter into the Derivative Agreement, certain terms of which are set
forth herein for the convenience of the parties thereto for incorporation therein by reference, with the
Derivative Counterparty on the Issuance Date.  Pursuant to the terms of the Derivative Agreement, the Derivative
Counterparty shall pay to the Issuer on each Transfer Date the Net Derivative Receipt, if any, plus the amount of
any Net Derivative Receipt due but not paid with respect to any previous Transfer Date.  The Issuer shall deposit
such Net Derivative Receipts, if any, into the Collection Account and shall apply such amounts as BAseries
Available Funds pursuant to Section 3.04(a)(iii) of the Indenture Supplement.  In addition, in accordance with
the terms of the Derivative Agreement, the Issuer shall pay to the Derivative Counterparty the Net Derivative
Payment, if any, for such Transfer Date, plus the amount of any Net Derivative Payment due but not paid on any
previous Transfer Date, from amounts on deposit in the Interest Funding sub-Account for the Class A(2008-9)
Notes.  If the Derivative Agreement has not been terminated and the Issuer has not received any Net Derivative
Receipt due with respect to the related Transfer Date prior to 12:00 p.m. on the date such payment is due, (i)
the Issuer shall notify the Derivative Counterparty, the Beneficiary and the Servicer of such fact prior to 1:00
p.m. on such date, (ii) the Issuer, if directed by the Beneficiary, shall designate an Early Termination Date (as
such term is defined in the Derivative Agreement) pursuant to the Derivative Agreement and shall, if the
Beneficiary so directs, terminate the Derivative Agreement pursuant to its terms, and (iii) the Issuer shall
cause the Servicer to provide the Indenture Trustee, prior to 4:30 p.m. on the related Transfer Date, with new
statements substantially in the forms of Exhibit B and Exhibit C to the Indenture Supplement revised, if
necessary, to reflect that the Net Derivative Receipt (or any portion thereof) was not received by the Issuer for
such Transfer Date.

                  (b)      The Issuer shall direct the Derivative Counterparty to assign its rights and
obligations under the Derivative Agreement to a replacement Derivative Counterparty, in the event that the
long-term credit rating (or the then equivalent rating) of the Derivative


                                                         10





Counterparty or a replacement Derivative Counterparty, if any, is reduced below BBB- by Standard & Poor's or
below Baa3 by Moody's or is withdrawn by either Standard & Poor's or Moody's. The Issuer shall give Standard
& Poor's and Moody's notice of the replacement of the Derivative Counterparty as soon as practicable
thereafter.

                  (c)      The parties hereto agree that all obligations of the Issuer under the Derivative
Agreement shall be paid from, and limited to, amounts on deposit in the Interest Funding sub-Account for the
Class A(2008-9) Notes which are specifically available to be applied therefor pursuant to Section 3.13(d) of the
Indenture Supplement, as determined pursuant to Section 2.03(b) of this Terms Document, and any amounts
specifically available to be applied therefor pursuant to Section 2.12 of this Terms Document, and that the
Beneficiary shall not be required to expend or risk its own funds or otherwise incur any liability in connection
with the Derivative Agreement.

                  (d)      If the Issuer has actual knowledge of any event specified in Section 5 of the
Derivative Agreement, the Issuer shall provide written notice of such event to the Beneficiary, the Servicer and
the Note Rating Agencies.  The Beneficiary, upon becoming aware of any event specified in Section 5 of the
Derivative Agreement, whether pursuant to notice from the Issuer or otherwise, shall immediately provide the
Issuer with written instructions as to the course of action to be taken under Section 6 of the Derivative
Agreement, including without limitation any notices to be provided and whether or not an Early Termination Date
(as defined in the Derivative Agreement) should be designated and, if so, when such Early Termination Date should
be designated.  Prior to receiving such written instructions from the Beneficiary, the Issuer shall not designate
an Early Termination Date and shall not terminate the Derivative Agreement.

                  (e)      At the request of the Issuer, the Beneficiary shall provide the Issuer with any
document the Issuer is required to provide the Derivative Counterparty pursuant to Section 4(a) of the Derivative
Agreement.

                  (f)      (i) In the event the short-term credit rating (or the then equivalent rating) of the
Derivative Counterparty or a replacement Derivative Counterparty, if any, from Standard & Poor's is below A-1, or
is withdrawn by Standard & Poor's, or (ii) in the case of a replacement Derivative Counterparty assuming the
interests and obligations of the original Derivative Counterparty under the Derivative Agreement that does not
have a short-term credit rating from Standard & Poor's, the long-term credit rating (or the then equivalent
rating) of such replacement Derivative Counterparty from Standard & Poor's is below A+ or is withdrawn by
Standard & Poor's, the Derivative Counterparty will be required within 30 days from the date of such rating or
withdrawal to fund the Interest Reserve Account in an amount equal to one-twelfth of the product of (A) the
Derivative Fixed Rate and (B) the Outstanding Dollar Principal Amount of the Class A(2008-9) Notes as of the
close of business on the last day of the Monthly Period preceding such rating or withdrawal (the "Required
Interest Reserve Amount").  The Derivative Counterparty's failure to adequately fund the Interest Reserve Account
within 30 days of such rating or withdrawal shall constitute an "Interest Reserve Account Event."

                  Section 2.09.     Interest Reserve Account.


                                                         11





                  (a)      On or before the Issuance Date, the Indenture Trustee will cause to be established and
maintained with a Qualified Institution (other than FIA, BACCS or the Transferor) that is acting as a securities
intermediary a Qualified Account denominated as the "Interest Reserve Account" in the name of the Indenture
Trustee, bearing a designation clearly indicating that the funds and other property credited thereto are held for
the benefit of the Class A(2008-9) Noteholders.  The Indenture Trustee hereby accepts the Interest Reserve
Account in trust under the Indenture, the Indenture Supplement and this Terms Document, in accordance with the
provisions thereof and hereof.  The Interest Reserve Account constitutes a Supplemental Account and shall be
under the exclusive control of the Indenture Trustee for the benefit of the Class A(2008-9) Noteholders.  If, at
any time, the institution holding the Interest Reserve Account ceases to be a Qualified Institution, the Issuer
will within ten (10) Business Days (or such longer period, not to exceed thirty (30) calendar days, as to which
each Note Rating Agency may consent) establish with a Qualified Institution (other than FIA, BACCS or the
Transferor) that is acting as a securities intermediary a new Interest Reserve Account that is a Qualified
Account and shall transfer any funds or other property to such new Interest Reserve Account.  From the date such
new Interest Reserve Account is established, it will be the "Interest Reserve Account."  The Interest Reserve
Account will receive amounts as described in this Section.

                  (b)      On each Transfer Date, all interest and earnings (net of losses and investment
expenses) accrued since the preceding Transfer Date on funds credited to the Interest Reserve Account will be
retained in the Interest Reserve Account (to the extent that the amount credited to the Interest Reserve Account
with respect to the related Monthly Period (prior to taking into account any such interest and earnings) is less
than the required balance for the Interest Reserve Account for that Monthly Period) and the balance, if any, will
be paid to the Derivative Counterparty pursuant to the terms of the Derivative Agreement.

                  (c)      In the event that the Derivative Agreement terminates due to a default by the
Derivative Counterparty, on the Transfer Date on or immediately following such termination, the Issuer shall
withdraw from the Interest Reserve Account an amount equal to the lesser of (i) the Net Derivative Receipt, if
any, with respect to such Transfer Date plus the amount of any Net Derivative Receipt previously due but not paid
to the Issuer and (ii) the amount credited to the Interest Reserve Account on such Transfer Date, and shall
credit such amount to the Collection Account to be included in BAseries Available Funds with respect to such
Transfer Date and give notice of such withdrawal to each Note Rating Agency.  Such withdrawal will be deemed to
be a Net Derivative Receipt and a payment received from the Derivative Counterparty for all purposes under the
Indenture Supplement and this Terms Document.

                  (d)      Upon the earliest to occur of (i) any Transfer Date subsequent to the return of the
Derivative Counterparty's or replacement Derivative Counterparty's short-term credit rating (or the then
equivalent rating) to A-1 or higher by Standard & Poor's, (ii) any Transfer Date subsequent to the return of a
replacement Derivative Counterparty's long-term credit rating (or the then equivalent rating) to A+ or higher by
Standard & Poor's, if such replacement Derivative Counterparty does not have a short-term credit rating from
Standard & Poor's, (iii) the Transfer Date on or immediately following the termination of the Derivative
Agreement and (iv) the Transfer Date immediately preceding the Expected Principal Payment Date, the Issuer, after
the prior payment of all amounts owing to the Class A(2008-9) Noteholders that are payable from the Interest
Reserve Account as provided herein, shall withdraw from the Interest


                                                         12





Reserve Account and pay to the Derivative Counterparty pursuant to the terms of the Derivative Agreement, all
amounts, if any, credited to the Interest Reserve Account. In addition, following the earliest to occur of the
events described in clauses (iii) or (iv) of the preceding sentence, the Interest Reserve Account shall be deemed
to have terminated for purposes of this Terms Document, the Indenture Supplement and the Indenture.

                  Section 2.10.     Early Redemption Events.  Notwithstanding any provision of the Indenture or
the Indenture Supplement to the contrary, upon the occurrence of an Early Redemption Event with respect to the
Class A(2008-9) Notes (other than an Early Redemption Event described in Section 1201(c) of the Indenture), if
none of (i) an Early Redemption Event described in Section 1201(c) of the Indenture, (ii) an Interest Reserve
Account Event, (iii) the termination of the Derivative Agreement pursuant to its terms or (iv) an Event of Default
and acceleration of the Class A(2008-9) Notes has previously occurred, then the Issuer will not pay any amounts
accumulated in the Principal Funding sub-Account for the Class A(2008-9) Notes to the holders of the Class
A(2008-9) Notes until the Monthly Principal Payment Date occurring on or immediately following the earliest to
occur of:

                  (a)      the Expected Principal Payment Date;

                  (b)      the date on which an Early Redemption Event described in Section 1201(c) of the
Indenture occurs;

                  (c)      the date on which an Interest Reserve Account Event occurs; and

                  (d)      the date on which the Derivative Agreement terminates pursuant to its terms.

                  If the Issuer is unable to pay the redemption price in full on such Monthly Principal Payment
Date, monthly payments on the Class A(2008-9) Notes will thereafter be made on each following Monthly Principal
Payment Date until the Outstanding Dollar Principal Amount of the Class A(2008-9) Notes, plus all accrued and
unpaid interest, is paid in full or the Legal Maturity Date occurs, whichever is earlier, subject to Article V of
the Indenture and Article III of the Indenture Supplement.  Any funds in any Supplemental Account (other than the
Interest Reserve Account) for the Class A(2008-9) Notes will be applied to make the principal and interest
payments on the Class A(2008-9) Notes on the redemption date, subject to Article V of the Indenture, Article III
of the Indenture Supplement and Article II of this Terms Document.

                  Section 2.11.     Derivative Reserve Account.

                  (a)      On or before the Issuance Date, the Indenture Trustee will cause to be established and
maintained with a Qualified Institution (other than FIA, BACCS or the Transferor) that is acting as a securities
intermediary a Qualified Account denominated as the "Derivative Reserve Account" in the name of the Indenture
Trustee, bearing a designation clearly indicating that the funds and other property credited thereto are held for
the benefit of the Class A(2008-9) Noteholders and the Derivative Counterparty, as their interests appear
herein.  The Indenture Trustee hereby accepts the Derivative Reserve Account and any property credited thereto in
trust under the Indenture, the Indenture Supplement and this Terms Document, in


                                                         13





accordance with the provisions thereof and hereof. The Derivative Reserve Account constitutes a Supplemental
Account and shall be under the exclusive control of the Indenture Trustee for the benefit of the Class A(2008-9)
Noteholders and the Derivative Counterparty. If, at any time, the institution holding the Derivative Reserve
Account ceases to be a Qualified Institution, the Issuer will within ten (10) Business Days (or such longer
period, not to exceed thirty (30) calendar days, as to which each Note Rating Agency may consent) establish with a
Qualified Institution (other than FIA, BACCS or the Transferor) that is acting as a securities intermediary a new
Derivative Reserve Account that is a Qualified Account and shall transfer any funds or other property to such new
Derivative Reserve Account. From the date such new Derivative Reserve Account is established, it will be the
"Derivative Reserve Account." The Derivative Reserve Account will receive amounts as described in this Section.

                  (b)      On the Issuance Date, the Issuer shall credit an amount equal to the Required
Derivative Reserve Amount received by it from the Beneficiary in immediately available funds to the Derivative
Reserve Account.  Funds credited to the Derivative Reserve Account shall be invested by the Indenture Trustee in
Permitted Investments; provided, however, that, for purposes of the investment of funds credited to the
Derivative Reserve Account, references in the definition of "Permitted Investments" to a rating of A-1+ by
Standard & Poor's shall be modified to require a rating of not lower than A-1 by such Note Rating Agency.

                  On each Transfer Date, all interest and earnings (net of losses and investment expenses)
accrued since the preceding Transfer Date on funds credited to the Derivative Reserve Account shall be retained
in the Derivative Reserve Account (to the extent that the amount credited to the Derivative Reserve Account
(prior to taking into account any such interest and earnings) is less than the Required Derivative Reserve
Amount) and the balance, if any, shall be paid to the Issuer on such Transfer Date free of the lien of the
Indenture.

                  (c)      On or prior to each Transfer Date following the occurrence of an Early Redemption
Event with respect to the Class A(2008-9) Notes (other than an Early Redemption Event described in Section
1201(c) of the Indenture), the Issuer will calculate PFA Accumulation Earnings Shortfall (if any) for the
Principal Funding sub-Account for the Class A(2008-9) Notes.  If there is any PFA Accumulation Earnings Shortfall
for the Principal Funding sub-Account for that Transfer Date for the Class A(2008-9) Notes, the Issuer will
withdraw such amount from the Derivative Reserve Account, to the extent available, for credit to the Interest
Funding sub-Account for the Class A(2008-9) Notes on such Transfer Date.

                  Section 2.12.     Termination Payments.  If on any Transfer Date following the termination of
the Derivative Agreement pursuant to the terms thereof there is a termination payment payable by the Issuer to
the Derivative Counterparty pursuant to Section 6 of the Derivative Agreement, the Issuer will pay to the
Derivative Counterparty from BAseries Available Funds (after giving effect to Sections 3.01(a) through (f) of the
Indenture Supplement) for such Transfer Date an amount not to exceed the lesser of (i) the product of (x) the
amount of BAseries Available Funds remaining for application pursuant to Section 3.01(g) of the Indenture
Supplement times (y) a fraction, the numerator of which is the Nominal Liquidation Amount of the Class A(2008-9)
Notes as of the close of business on the last day of the preceding Monthly Period and the denominator of which is
the Nominal Liquidation Amount of all tranches of


                                                         14





Notes as of the close of business on the last day of the preceding Monthly Period and (ii) the amount of such
termination payment payable by the Issuer to the Derivative Counterparty.

                                                [END OF ARTICLE II]


                                                         15





                                                    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]


                                                         16





                  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(2008-9) Terms Document]