Document:

Exhibit 4.4

 Exhibit 4.4 
 EXECUTION COPY 
 BA CREDIT CARD FUNDING, LLC 
 Transferor 
 FIA CARD SERVICES, NATIONAL ASSOCIATION 
 (formerly known as MBNA America Bank, National Association) 
 Servicer 
 and 
 THE BANK OF NEW YORK 
 Trustee 
 on behalf of the Series 2001-D Certificateholders 
  

 SECOND AMENDED AND RESTATED 
 SERIES 2001-D
SUPPLEMENT 
 Dated as of October 20, 2006 
 to 
 SECOND AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT 
 Dated as of October 20, 2006 
  

 BA MASTER CREDIT CARD TRUST II 
 SERIES 2001-D 

 TABLE OF CONTENTS 
  

					
	 	  	 	  	Page
	 SECTION 1.
	  	Designation	  	1
			
	 SECTION 2.
	  	Definitions	  	2
			
	 SECTION 3.
	  	Servicing Compensation and Assignment of Interchange	  	11
			
	 SECTION 4.
	  	Delivery of the Series 2001-D Certificate	  	12
			
	 SECTION 5.
	  	Article IV of the Agreement	  	12
			
	 SECTION 6.
	  	Article V of the Agreement	  	18
			
	 SECTION 7.
	  	Series 2001-D Pay Out Events	  	20
			
	 SECTION 8.
	  	Sale of Investor Interest Pursuant to Subsection 2.04(e) or 10.02(a) of the Agreement	  	21
			
	 SECTION 9.
	  	Distribution of Proceeds of Sale, Disposition or Liquidation of the Receivables Pursuant to Section 9.02 of the Agreement	  	21
			
	 SECTION 10.
	  	Sale of Receivables	  	22
			
	 SECTION 11.
	  	Series 2001-D Termination	  	22
			
	 SECTION 12.
	  	Counterparts	  	22
			
	 SECTION 13.
	  	Governing Law; Submission to Jurisdiction; Agent for Service of Process	  	22
			
	 SECTION 14.
	  	Additional Notices	  	23
			
	 SECTION 15.
	  	Additional Representations and Warranties of the Servicer	  	23
			
	 SECTION 16.
	  	No Petition	  	23
			
	 SECTION 17.
	  	Certain Tax Related Amendments	  	24
			
	 SECTION 18.
	  	Treatment of Noteholders	  	24
			
	 SECTION 19.
	  	Transfer of the Series 2001-D Certificate	  	25
			
	 SECTION 20.
	  	Amendment to the Agreement	  	25
			
	 SECTION 21.
	  	Annual Servicer’s Certificate for Series 2001-D	  	25
			
	 SECTION 22.
	  	Annual Independent Accountants’ Servicing Report	  	25
			
	 SECTION 23.
	  	Compliance with Regulation AB.	  	26

  

					
			
	 EXHIBITS
	  		  	
			
	 EXHIBIT A
	  	Form of Certificate	  	
			
	 EXHIBIT B
	  	Form of Monthly Payment Instructions and Notification to the Trustee	  	
			
	 EXHIBIT C
	  	Form of Monthly Series 2001-D Certificateholder’s Statement	  	
			
	 EXHIBIT D
	  	Form of Annual Certification	  	
			
	 EXHIBIT E
	  	Servicing Criteria to be Addressed in Assessment of Compliance	  	

  

 -i- 

 SCHEDULE 1 
 Schedule to the Exhibit C of the Pooling and Servicing Agreement 
  

 -ii- 

 THIS SECOND AMENDED AND RESTATED SERIES 2001-D SUPPLEMENT (this “Series Supplement”), by
and among FIA CARD SERVICES, NATIONAL ASSOCIATION (formerly known as MBNA America Bank, National Association), a national banking association (“FIA”), as Servicer, BA CREDIT CARD FUNDING, LLC, a Delaware limited liability company
(“Funding”), as Transferor, and THE BANK OF NEW YORK, as Trustee under the Second Amended and Restated Pooling and Servicing Agreement, dated as of October 20, 2006, between FIA, as Servicer, Funding, as Transferor, and the
Trustee, as amended and supplemented from time to time (the “Agreement”), is dated as of October 20, 2006. 
 WHEREAS,
the Trustee and MBNA America Bank, National Association (“MBNA”) (as the predecessor to FIA) have heretofore executed and delivered a Series 2001-D Supplement, dated as of May 24, 2001 (as amended, supplemented or otherwise
modified prior to June 10, 2006, the “Original Series 2001-D Supplement”); 
 WHEREAS, the Trustee and FIA have
heretofore executed and delivered an Amended and Restated Series 2001-D Supplement, dated as of June 10, 2006 (as amended, supplemented or otherwise modified prior to October 20, 2006, the “Amended and Restated Series 2001-D
Supplement”); and 
 WHEREAS, Funding, as Transferor, FIA, as Servicer, and the Trustee have executed the Agreement in order to
substitute Funding in the place of FIA as the Seller (now referred to as the Transferor); 
 WHEREAS, the parties hereto desire to amend and
restate in its entirety the Amended and Restated Series 2001-D Supplement to, among other things, provide for the substitution of Funding in the place of FIA, in its capacity as Seller (now referred to as the Transferor) under the Amended and
Restated Series 2001-D Supplement. 
 NOW, THEREFORE, in consideration of the promises and the agreements contained herein, the Amended and
Restated Series 2001-D Supplement is hereby amended and restated in its entirety as follows: 
 Section 6.09 of the Agreement
provides, among other things, that the Transferor and the Trustee may at any time and from time to time enter into a supplement to the Agreement for the purpose of authorizing the delivery by the Trustee to the Transferor for the execution and
redelivery to the Trustee for authentication of one or more Series of Certificates. 
 Pursuant to the Original Series 2001-D Supplement,
MBNA, as seller and predecessor to the Transferor, and the Trustee created a Series consisting of an Investor Certificate, and this Series Supplement shall specify the Principal Terms thereof. 
 SECTION 1. Designation. 
 (a) The
Series created pursuant to the Original Series 2001-D Supplement consists of an Investor Certificate issued pursuant to the Agreement and the Original Series 2001-D Supplement and known as the “Series 2001-D Certificate.” Such Investor
Certificate has been 

 issued in one Class and is designated the Asset Backed Certificate, Series 2001-D (the “Series 2001-D
Certificate”). The Series 2001-D Certificate has been issued as one definitive certificate substantially in the form of Exhibit A hereto. 
 (b) Series 2001-D is included in Group One (as defined below). Series 2001-D is not subordinated to any other Series. 
 (c) Except as expressly provided herein, (i) the provisions of Article VI and Article XII of the Agreement relating to the registration, authentication, delivery, presentation, cancellation and
surrender of Registered Certificates and the opinion described in subsection 6.09(b)(d)(i) and clauses (a) and (c) of the definition of Tax Opinion in Section 1.01 of the Agreement do not apply to the Series 2001-D
Certificate, and (ii) the provisions of Section 3.07 of the Agreement do not apply to cause the Series 2001-D Certificate to be treated as debt for federal, state and local income and franchise tax purposes, but rather the
Transferor intends and, together with the Series 2001-D Certificateholders, agrees to treat the Series 2001-D Certificate for federal, state and local income and franchise tax purposes as representing an equity interest in the assets of the Trust.

 (d) This Series Supplement is the Series 2001-D Supplement referred to in the Third Amended and Restated Trust Agreement of the BA Credit
Card Trust, dated as of October 20, 2006, among Funding, as beneficiary, and Wilmington Trust Company, as owner trustee. 
 SECTION 2.
Definitions. 
 In the event that any term or provision contained herein shall conflict with or be inconsistent with any provision
contained in the Agreement, the terms and provisions of this Series Supplement shall govern. All Article, Section or subsection references herein shall mean Articles, Sections or subsections of the Agreement, except as otherwise provided herein. All
capitalized terms not otherwise defined herein are defined in the Agreement. Each capitalized term defined herein shall relate only to the Certificate and no other Series of Certificates issued by the Trust. 
 “Accumulation Period” with respect to Series 2001-D shall mean, solely for the purposes of the definition of Group One Monthly Principal
Payment as such term is defined in each Supplement relating to Group One, the Revolving Period. 
 “Adjusted Outstanding Dollar
Principal Amount” shall have the meaning specified in the Indenture. 
 “Aggregate Investor Default Amount” shall
mean, with respect to any Monthly Period, the sum of the Investor Default Amounts with respect to such Monthly Period. 
 “Aggregate
Reallocated Principal Amount” shall mean, with respect to any Monthly Period, the aggregate Reallocated Principal Amount (as defined in the Indenture) for all series of Notes for such Monthly Period. 
  

 2 

 “Agreement” means the Second Amended and Restated Pooling and Servicing Agreement, dated
as of October 20, 2006, among Funding, as Transferor, FIA, as Servicer, and The Bank of New York, as trustee, as amended, restated and supplemented from time to time. 
 “Allocation Reset Date” shall mean, with respect to any Monthly Period, any date on which (a) the Investor Interest is increased as
a result of (i) the issuance of a new tranche of Notes or the issuance of additional Notes in an Outstanding tranche of Notes during such Monthly Period, (ii) the accretion of principal on Discount Notes during such Monthly Period, or
(iii) a release of pre-funded amounts (other than prefunded amounts deposited during such Monthly Period) from a principal funding account for any Note during such Monthly Period, (b) an Addition Date occurs or (c) a Removal Date
occurs on which, if any Series has been paid in full, Principal Receivables in an aggregate amount approximately equal to the initial investor interest of such Series are removed from the Trust; provided, however, that solely with
respect to this term, “Series” shall mean any series of Investor Certificates (as defined in the Agreement) and any series, class or tranche of Notes. 
 “Amendment Closing Date” shall mean October 20, 2006. 
 “Available
Funds” shall mean, with respect to any Monthly Period, an amount equal to the sum of (i) Collections of Finance Charge Receivables and amounts with respect to Annual Membership Fees allocated to the Series 2001-D Certificate and
deposited in the Finance Charge Account for such Monthly Period (or to be deposited in the Finance Charge Account on the related Transfer Date with respect to the preceding Monthly Period pursuant to the third paragraph of subsection 4.03(a)
and Section 2.08 of the Agreement and subsection 3(b) of this Series Supplement), plus (ii) Principal Account Investment Proceeds to be treated as Available Funds for such Monthly Period pursuant to subsection
4.02(e) of the Agreement as amended by subsection 5(b) of this Series Supplement, plus (iii) Finance Charge Account Investment Proceeds to be treated as Available Funds for such Monthly Period pursuant to subsection
4.02(e) of the Agreement as amended by subsection 5(b) of this Series Supplement, minus (iv) if FIA or The Bank of New York is the Servicer, any Servicer Interchange for the related Monthly Period. 
 “Available Investor Principal Collections” shall mean with respect to any Monthly Period, an amount equal to (a) the Investor
Principal Collections for such Monthly Period, plus (b) the amount of Shared Principal Collections with respect to Group One that are allocated to Series 2001-D in accordance with subsection 4.07(b). 
 “BAseries Indenture Supplement” means the Second Amended and Restated Indenture Supplement, dated as of October 20, 2006, between
BA Credit Card Trust (formerly known as MBNA Credit Card Master Note Trust), a Delaware statutory trust, and the Bank of New York, a New York banking corporation, as Indenture Trustee, as amended, restated and supplemented from time to time.

 “Certificate Representative” shall mean (a) if there is one Holder of the Series 2001-D Certificate, such Holder or
the designee of such Holder, and (b) if there is more than one Holder of the Series 2001-D Certificate, the designee of the Holders of a majority of the outstanding principal balance of the Series 2001-D Certificate. 
  

 3 

 “Closing Date” shall mean May 24, 2001. 
 “Code” shall mean the Internal Revenue Code of 1986, as amended. 
 “Commission” shall have the meaning specified in subsection 25(a). 
 “Cumulative Series Principal Shortfall” shall mean the sum of the Series Principal Shortfalls (as such term is defined in each of the
related Series Supplements) for each Series in Group One. 
 “Daily Principal Shortfall” shall mean, on any date of
determination, the excess of the Group One Monthly Principal Payment for the Monthly Period relating to such date over the month to date amount of Collections processed in respect of Principal Receivables for such Monthly Period allocable to
Investor Certificates of all outstanding Series in Group One, not subject to reallocation, which are on deposit or to be deposited in the Principal Account on such date. 
 “Distribution Date” shall mean July 16, 2001 and the fifteenth day of each calendar month thereafter, or if such fifteenth day is not a Business Day, the next succeeding Business Day. 

“Finance Charge Account Investment Proceeds” shall mean, with respect to each Transfer Date, the investment earnings on deposits of
Collections of Finance Charge Receivables for the related Monthly Period in the Finance Charge Account (net of investment expenses and losses) for the period from and including the first day of the related Monthly Period to but excluding such
Transfer Date. 
 “Fitch” shall mean Fitch, Inc., or any successor thereto. 
 “Floating Allocation Investor Interest” shall mean, on any date of determination during any Monthly Period, an amount equal to the
aggregate Available Funds Allocation Amount (as defined in the Indenture) for all series of Notes. 
 “Floating Investor
Percentage” shall mean, with respect to any date of determination during any Monthly Period, the percentage equivalent of a fraction, the numerator of which is the Floating Allocation Investor Interest for such date and the denominator of
which is the greater of (a) the aggregate amount of Principal Receivables as of the close of business on the last day of the preceding Monthly Period (or with respect to the first calendar month in the first Monthly Period, the aggregate amount
of Principal Receivables in the Trust as of the close of business on the day immediately preceding the Closing Date and with respect to the second calendar month in the first Monthly Period, the aggregate amount of Principal Receivables in the Trust
as of the close of business on the last day of the first calendar month in the first Monthly Period), and (b) the sum of the numerators used to calculate the Investor Percentages (as such term is defined in the Agreement) for allocations with
respect to Finance Charge Receivables or Default Amounts, as applicable, for all outstanding Series on such date of determination; 
  

 4 

 provided, however, that with respect to any Monthly Period in which an Allocation Reset Date occurs, the
denominator determined pursuant to clause (a) hereof shall be, on and after such date, the aggregate amount of Principal Receivables in the Trust as of the beginning of the day on the most recently occurring Allocation Reset Date (after
adjusting for the aggregate amount of Principal Receivables, if any, added to or removed from the Trust on such Allocation Reset Date). 
 “Group One” shall mean Series 2001-D and each other Series specified in the related Supplement to be included in Group One. 
 “Group One Monthly Principal Payment” shall mean with respect to any Monthly Period, for all Series in Group One (including Series 2001-D) which are in an Amortization Period or Accumulation Period
(as such terms are defined in the related Supplements for all Series in Group One), the sum of (a) the Controlled Distribution Amount for the related Transfer Date for any Series in its Controlled Amortization Period (as such terms are defined
in the related Supplements for all Series in Group One), (b) the Controlled Deposit Amount for the related Transfer Date for any Series (other than this Series 2001-D) in its Accumulation Period, other than its Rapid Accumulation Period, if
applicable (as such terms are defined in the related Supplements for all Series in Group One), (c) if Series 2001-D is in its Accumulation Period, the Monthly Principal Target for such Monthly Period, (d) the Investor Interest as of the
end of the prior Monthly Period taking into effect any payments to be made on the following Distribution Date for any Series in Group One in its Principal Amortization Period or Rapid Amortization Period (as such terms are defined in the related
Supplements for all Series in Group One), (e) the Adjusted Investor Interest as of the end of the prior Monthly Period taking into effect any payments or deposits to be made on the following Transfer Date and Distribution Date for any Series in
Group One in its Rapid Accumulation Period (as such terms are defined in the related Supplements for all Series in Group One), and (f) such other amounts as may be specified in the related Supplements for all Series in Group One. 
 “Indenture” shall mean the Second Amended and Restated Indenture, dated as of October 20, 2006, between BA Credit Card Trust
(formerly known as MBNA Credit Card Master Note Trust), as Issuer, and The Bank of New York, as indenture trustee, as amended and supplemented from time to time. 
 “Initial Investor Interest” shall mean, when used in the Agreement, this Series Supplement or any other Supplement with respect to Series 2001-D and with respect to any Monthly Period, the Initial
Dollar Principal Amount (as defined in the Indenture) of any Outstanding series, class or tranche of Notes. 
 “Insolvency
Proceeds” shall mean any proceeds arising out of a sale, disposition or liquidation of Receivables (or interests therein) pursuant to subsection 9.02(a) of the Agreement. 
 “Investor Default Amount” shall mean, with respect to any Receivable in a Defaulted Account, an amount equal to the product of
(a) the Default Amount and (b) the Floating Investor Percentage on the day such Account became a Defaulted Account. 
  

 5 

 “Investor Default Rate” shall mean, for any Monthly Period, the percentage equivalent of
a fraction, the numerator of which is the Aggregate Investor Default Amount for such Monthly Period and the denominator of which is the Weighted Average Floating Allocation Investor Interest for such Monthly Period. 
 “Investor Interest” with respect to Series 2001-D shall mean, on any date of determination, an amount equal to the sum of the Nominal
Liquidation Amounts for each tranche of Notes Outstanding as of such date of determination. 
 “Investor Percentage” shall
mean for any Monthly Period, (a) with respect to Finance Charge Receivables and Default Amounts, the Floating Investor Percentage and (b) with respect to Principal Receivables, the Principal Investor Percentage. 
 “Investor Principal Collections” shall mean, with respect to any Monthly Period, the sum of (a) the aggregate amount deposited into
the Principal Account for such Monthly Period pursuant to subsections 4.05(a)(ii) or 4.05(b)(ii), in each case, as applicable to such Monthly Period, and (b) the aggregate amount of Unallocated Principal Collections deposited into
the Principal Account pursuant to subsection 4.05(c). 
 “Investor Servicing Fee” shall have the meaning specified in
subsection 3(a) hereof. 
 “Legal Maturity Date,” with respect to any tranche of Notes, shall have the meaning
specified in the Indenture. 
 “Monthly Interest Proxy Amount” shall mean, with respect to any Monthly Period, as determined
on any date of determination, an amount equal to the sum of (a) the product of (i) the aggregate amount targeted to be deposited into the Interest Funding Account (for the avoidance of doubt, such amount shall include any interest,
specified deposits, payments to derivative counterparties, program fees, liquidity fees or other amounts targeted to be deposited into the Interest Funding Account pursuant to the Indenture and the BAseries Indenture Supplement) for all outstanding
tranches of Notes on the Transfer Date occurring in such Monthly Period and (ii) 1.50 and (b) following any increase in the Floating Allocation Investor Interest during such Monthly Period, the aggregate amount targeted to be deposited
into the Interest Funding Account on the following Transfer Date which relates to such increase. 
 “Monthly Interest
Target” shall mean, with respect to each Monthly Period, an amount equal to the aggregate Targeted Interest Deposit Amounts (as defined in the Indenture) for all series of Notes for such Monthly Period. 
 “Monthly Period” shall have the meaning specified in the Agreement, except that the first Monthly Period with respect to the Series
2001-D Certificate shall begin on and include the Closing Date and shall end on and include June 30, 2001. 
  

 6 

 “Monthly Principal Target” shall mean, with respect to each Monthly Period, an amount
equal to the aggregate Targeted Principal Deposit Amounts (as defined in the Indenture) for all series of Notes for such Monthly Period. 
 “Monthly Servicing Fee Proxy Amount” shall mean, with respect to any Monthly Period, as determined on any date of determination, an amount equal to the Net Servicing Fee calculated for the preceding Monthly Period.

 “Net Servicing Fee” shall have the meaning specified in subsection 3(a) of this Series Supplement. 
 “Net Servicing Fee Rate” shall mean (a) so long as FIA or The Bank of New York is the Servicer, 1.25% per annum and
(b) if FIA or The Bank of New York is no longer the Servicer, 2.0% per annum. 
 “Netting Conditions” shall mean
each of the following conditions: (i) a Pay Out Event with respect to Series 2001-D shall not have occurred and be continuing, (ii) an Early Redemption Event as described in Section 4.01 of the BAseries Indenture Supplement
with respect to the Notes or similar early redemption event relating to excess spread amounts or portfolio yield as described in the Indenture Supplement for any other outstanding series of Notes shall not have occurred and be continuing,
(iii) an Event of Default and acceleration as described in Section 701(a) or (b) of the Indenture shall not have occurred and be continuing, and (iv) the Servicer shall have a long-term unsecured debt rating of not
lower than investment grade provided by Standard & Poor’s and Fitch; provided, that the Netting Condition in this clause (iv) will be deemed to be satisfied unless it is not satisfied for a period of five Business Days and
such condition has not been waived in writing by each applicable Rating Agency or cured. 
 “Nominal Liquidation Amount,”
with respect to any tranche of Notes, shall have the meaning specified in the Indenture. 
 “Note” or
“Notes” shall mean each Note or the Notes (as defined in the Indenture) secured by the Series 2001-D Certificate. 
 “Outstanding” shall have the meaning specified in the Indenture. 
 “Pay Out Commencement Date”
shall mean the date on which a Trust Pay Out Event is deemed to occur pursuant to Section 9.01 of the Agreement or a Series 2001-D Pay Out Event is deemed to occur pursuant to Section 7 hereof. 
 “Payment Instruction” shall have the meaning specified in the Indenture. 
 “Permitted Assignee” shall mean any Person (other than the Transferor or any of its Affiliates) who, if it were the holder of an
interest in the Trust would not cause the Trust to be taxable as a publicly traded partnership for federal income tax purposes. 
  

 7 

 “Principal Account Investment Proceeds” shall mean, with respect to each Transfer Date,
the investment earnings on deposits of Collections of Principal Receivables for the related Monthly Period in the Principal Account (net of investment expenses and losses) for the period from and including the first day of the related Monthly Period
to but excluding such Transfer Date. 
 “Principal Allocation Investor Interest” shall mean, on any date of determination
during any Monthly Period, an amount equal to the aggregate Principal Allocation Amounts (as defined in the Indenture) for all series of Notes. 
 “Principal Investor Percentage” shall mean, with respect to any date of determination during any Monthly Period, the percentage equivalent of a fraction, the numerator of which is the Principal Allocation Investor Interest
for such date and the denominator of which is the greater of (a) the aggregate amount of Principal Receivables in the Trust determined as of the close of business on the last day of the prior Monthly Period (or with respect to the first
calendar month in the first Monthly Period, the aggregate amount of Principal Receivables in the Trust determined as of the close of business on the day preceding the Closing Date and with respect to the second calendar month in the first Monthly
Period, the aggregate amount of Principal Receivables in the Trust as of the close of business on the last day of the first calendar month in the first Monthly Period), and (b) the sum of the numerators used to calculate the Investor
Percentages (as such term is defined in the Agreement) for allocations with respect to Principal Receivables for all outstanding Series on such date of determination; provided, however, that with respect to any Monthly Period in which
an Allocation Reset Date occurs, the denominator determined pursuant to clause (a) hereof shall be, on and after such date, the aggregate amount of Principal Receivables in the Trust as of the beginning of the day on the most recently occurring
Allocation Reset Date (after adjusting for the aggregate amount of Principal Receivables, if any, added to or removed from the Trust on such Allocation Reset Date). 
 “Rapid Amortization Period” shall mean the Amortization Period commencing on the Pay Out Commencement Date and ending on the earlier to occur of (a) the Series 2001-D Termination Date and
(b) the termination of the Trust pursuant to Section 12.01 of the Agreement. 
 “Rating Agency” shall mean,
so long as any tranche of Notes is rated by Moody’s, Moody’s, so long as any tranche of Notes is rated by Standard & Poor’s, Standard & Poor’s and, so long as any tranche of Notes is rated by Fitch, Fitch.

 “Rating Agency Condition” shall mean the notification in writing by each Rating Agency to the Transferor, the Servicer
and the Trustee that an action will not result in any Rating Agency reducing or withdrawing its then existing rating of the Investor Certificates (as defined in the Agreement) of any outstanding Series or class of a Series with respect to which it
is a Rating Agency. 
 “Reassignment Amount” shall mean, with respect to any Transfer Date, the sum of (a) the Adjusted
Outstanding Dollar Principal Amount (as defined in the Indenture) of all 
  

 8 

 Notes on such Transfer Date, (b) the Monthly Interest Target with respect to the immediately preceding Monthly
Period and (c) any due and unpaid BAseries Servicing Fee (as such term is defined in the BAseries Indenture Supplement) owed to the Servicer, or any other fees and expenses of the Indenture Trustee payable by the BA Credit Card Trust pursuant
to the Indenture, each after giving effect to any deposits and distributions otherwise to be made on such Transfer Date. 
 “Revolving Period” shall mean the period from and including the Closing Date to, but not including, the Pay Out Commencement Date. 
 “Sarbanes Certification” shall have the meaning specified in subsection 23(d)(iii). 
 “Securitization Transaction” shall mean any New Issuance of Investor Certificates, pursuant to Section 6.03 of the Agreement, or issuance of Notes by the BA Credit Card Trust, publicly offered or privately placed,
rated or unrated. 
 “Segregated Transferor Interest” shall mean a dollar amount of the Transferor Interest equal to the
aggregate prefunded amounts on deposit in the Principal Funding Accounts for each series of Notes, as notified to the Servicer pursuant to Section 4.09 of the Agreement. 
 “Series 2001-D” shall mean the Series of BA Master Credit Card Trust II (formerly known as MBNA Master Credit Card Trust II) represented
by the Series 2001-D Certificate. 
 “Series 2001-D Certificate” shall have the meaning specified in Section 1.

 “Series 2001-D Certificateholders” shall mean the Holders of the Series 2001-D Certificate. 
 “Series 2001-D Monthly Principal Payment” shall mean, with respect to any Monthly Period, an amount equal to the aggregate Monthly
Principal Payments (as defined in the Indenture) for each series of Notes for such Monthly Period. 
 “Series 2001-D Pay Out
Event” shall have the meaning specified in Section 7 hereof. 
 “Series 2001-D Termination Date” shall
mean the earlier to occur of (a) the date designated by the Transferor following the last Legal Maturity Date of any series, class or tranche of Notes, and (b) the Trust Termination Date. 
 “Series Principal Shortfall” shall mean, with respect to any Transfer Date, the excess, if any, of the sum of the Principal Shortfalls
(as defined in the Indenture) for all series of Notes for the related Monthly Period over the sum of the Principal Excesses (as defined in the Indenture) for all series of Notes for the related Monthly Period. 
 “Series Servicing Fee Percentage” shall mean 2.0%. 
  

 9 

 “Servicer Interchange” shall mean, for any Transfer Date, the portion of Collections of
Finance Charge Receivables allocated to the Series 2001-D Certificate and deposited in the Finance Charge Account with respect to the related Monthly Period that is attributable to Interchange; provided, however, that Servicer
Interchange for any Transfer Date shall not exceed one-twelfth of the product of (i) the Weighted Average Floating Allocation Investor Interest for the related Monthly Period and (ii) 0.75%. 
 “Servicing Criteria” shall mean the “servicing criteria” set forth in Item 1122(d) of Regulation AB, as such may be
amended from time to time. 
 “Servicing Participant” shall mean the Servicer, any Subservicer or any Person that
participates in any of the servicing functions specified in Item 1122(d) of Regulation AB with respect to the Receivables. For the avoidance of doubt, the term “Servicing Participant” shall not include the Trustee. 
 “Servicing Party” shall have the meaning specified in subsection 23(f)(i). 
 “Shared Principal Collections” shall mean, with respect to any Transfer Date, either (a) the amount allocated to the Series 2001-D
Certificate which may be applied to the series principal shortfall with respect to other outstanding Series in Group One or (b) the amounts allocated to the Investor Certificates of other Series in Group One which the applicable Supplements for
such Series specify are to be treated as “Shared Principal Collections” and which may be applied to cover the Series Principal Shortfall with respect to the Series 2001-D Certificate. 
 “Subordinated Principal Target Deposit Amount” shall mean, for any date of determination during any Monthly Period, an amount equal to
the excess, if any, of (a) the sum of (i) the Monthly Interest Proxy Amount for such Monthly Period, plus (ii) if FIA or The Bank of New York is not the Servicer, the Monthly Servicing Fee Proxy Amount for such Monthly Period,
over (b) the aggregate amount of Collections of Finance Charge Receivables allocated to the Series 2001-D Certificateholders for the preceding Monthly Period (unless the Transferor or the Servicer has reason to expect that Collections of
Finance Charge Receivables allocated to the Investor Certificateholders for the current Monthly Period will be materially less, in which case, the amount calculated pursuant to clause (b) shall be such lesser amount). 
 “Subordinated Note Percentage” shall mean, with respect to any date of determination during any Monthly Period, the percentage
equivalent of a fraction, the numerator of which is the aggregate Principal Allocation Amounts (as defined in the Indenture) for such date calculated for those Notes which are subordinated to any senior Notes and the denominator of which is the
Principal Allocation Investor Interest for such date. 
 “Subservicer” shall mean any Person that services the Receivables
on behalf of the Servicer or any Subservicer and is responsible for the performance (whether directly or through Subservicers or Servicing Participants) of a substantial portion of the material servicing functions required to be performed by the
Servicer under the Agreement or this Series Supplement that are identified in Item 1122(d) of Regulation AB. For the avoidance of doubt, the term “Subservicer” shall not include the Trustee. 
  

 10 

 “Termination Proceeds” shall mean any proceeds arising out of a sale of Receivables (or
interests therein) pursuant to subsection 12.01(b) of the Agreement with respect to Series 2001-D. 
 “Unallocated Principal
Collections” shall have the meaning specified in subsection 4.05(c). 
 “Weighted Average Floating Allocation
Investor Interest” shall mean, with respect to any Monthly Period, the sum of the Floating Allocation Investor Interest as of the close of business on each day during such Monthly Period divided by the actual number of days in such Monthly
Period. 
 SECTION 3. Servicing Compensation and Assignment of Interchange. 
 (a) The share of the Servicing Fee allocable to Series 2001-D with respect to any Transfer Date (the “Investor Servicing Fee”) shall be
equal to one-twelfth of the product of (i) the Series Servicing Fee Percentage and (ii) the Weighted Average Floating Allocation Investor Interest for the Monthly Period preceding such Transfer Date. On each Transfer Date for which FIA or
The Bank of New York is the Servicer, the Servicer Interchange with respect to the related Monthly Period that is on deposit in the Finance Charge Account shall be withdrawn from the Finance Charge Account and paid to the Servicer in payment of a
portion of the Investor Servicing Fee with respect to such Monthly Period. Should the Servicer Interchange on deposit in the Finance Charge Account on any Transfer Date with respect to the related Monthly Period be less than one-twelfth of 0.75% of
the Weighted Average Floating Allocation Investor Interest for such Monthly Period, the Investor Servicing Fee with respect to such Monthly Period will not be paid to the extent of such insufficiency of Servicer Interchange on deposit in the Finance
Charge Account. The share of the Investor Servicing Fee allocable to the Series 2001-D Certificate with respect to any Transfer Date (the “Net Servicing Fee”) shall be equal to one-twelfth of the product of (i) the Net
Servicing Fee Rate and (ii) the Weighted Average Floating Allocation Investor Interest for the related Monthly Period. Except as specifically provided above, the Servicing Fee shall be paid by the cash flows from the Trust allocated to the
Transferor or the Investor Certificateholders of other Series (as provided in the related Supplements) and in no event shall the Trust, the Trustee or the Series 2001-D Certificateholders be liable therefor. The Net Servicing Fee shall be payable to
the Servicer solely to the extent amounts are available for distribution in respect thereof pursuant to the Indenture. 
 (b) On or before
each Transfer Date, the Transferor shall notify the Servicer of the amount of Interchange to be included as Collections of Finance Charge Receivables and allocable to the Series 2001-D Certificateholders with respect to the preceding Monthly Period
as determined pursuant to this subsection 3(b). Such amount of Interchange shall be equal to the product of (i) the total amount of Interchange paid to the Transferor with respect to such Monthly Period and (ii) the Investor
Percentage with regard to Finance Charge Receivables. On each Transfer Date, the Transferor shall cause to be deposited into the Finance Charge Account, in 
  

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 immediately available funds, the amount of Interchange to be so included as Collections of Finance Charge Receivables
allocable to the Series 2001-D Certificate with respect to the preceding Monthly Period. The Transferor hereby assigns, sets-over, conveys, pledges and grants a security interest and lien to the Trustee for the benefit of the Series 2001-D
Certificateholders in Interchange and the proceeds of Interchange, as set forth in this subsection 3(b). In connection with the foregoing grant of a security interest, this Series Supplement shall constitute a security agreement under
applicable law. To the extent that a Supplement for a related Series, other than Series 2001-D, assigns, sets-over, conveys, pledges or grants a security interest in Interchange allocable to the Trust, all Investor Certificates of any such Series
(except as otherwise specified in any such Supplement) and the Series 2001-D Certificate shall rank pari passu and be equally and ratably entitled as provided herein to the benefits of such Interchange without preference or priority on
account of the actual time or times of authentication and delivery, all in accordance with the terms and provisions of this Series Supplement and other related Supplements. 
 SECTION 4. Delivery of the Series 2001-D Certificate. 
 (a) On or prior to the Closing Date, the Seller (as defined in the Agreement) executed the Series 2001-D Certificate and delivered it to the Trustee for authentication in accordance with Section 6.01 of
the Agreement. The Trustee delivered such Certificate after it was authenticated in accordance with Section 6.02 of the Agreement. 
 (b) The Series 2001-D Certificate shall be delivered as a Registered Certificate as provided in Section 6.01 of the Agreement. 
 (c) The Series 2001-D Certificate shall constitute a “security” within the meaning of (i) Article 8 of the Uniform Commercial Code (including Section 8-102(a)(15) thereof) as in effect from time to time in the State of
Delaware and (ii) the Uniform Commercial Code of any other applicable jurisdiction that presently or hereafter substantially includes the 1994 revisions to Article 8 thereof as adopted by the American Law Institute and the National Conference
of Commissioners on Uniform State Laws and approved by the American Bar Association on February 14, 1995. 
 (d) When issued and sold in
accordance with the terms of the Agreement, including when duly executed and authenticated by the Trustee in accordance with the terms of the Agreement and when issued and delivered against payment therefore, the Series 2001-D Certificate will be
duly and validly issued and outstanding, fully paid, non-assessable, and entitled to the benefits of the Agreement. 
 SECTION 5. Article
IV of the Agreement. 
 (a) Except as otherwise provided in subsection 5(b), Sections 4.01, 4.02 and 4.03
shall be read in their entirety as provided in the Agreement. 
 (b) Notwithstanding any provision of the Agreement or this Series Supplement
to the contrary, subsection 4.02(e) of the Agreement shall be amended to provide that on each Transfer Date the Trustee, at the Transferor’s direction given on or before such 
  

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 Transfer Date, shall (i) treat as Available Funds in accordance with subsection 4.06(a) Series 2001-D’s
pro rata portion of Finance Charge Account Investment Proceeds with respect to such Transfer Date based on the ratio of the aggregate amount on deposit in the Finance Charge Account with respect to Series 2001-D for the related Monthly Period
at the commencement of such Transfer Date to the aggregate amount on deposit in the Finance Charge Account for the related Monthly Period at the commencement of such Transfer Date and (ii) treat as Available Funds in accordance with
subsection 4.06(a) Series 2001-D’s pro rata portion of Principal Account Investment Proceeds with respect to such Transfer Date based on the ratio of the aggregate amount on deposit in the Principal Account with respect to Series
2001-D at the commencement of such Transfer Date to the aggregate amount on deposit in the Principal Account at the commencement of such Transfer Date. 
 (c) Article IV (except for Sections 4.01, 4.02 and 4.03 thereof) shall be read in its entirety as follows and shall be applicable only to the Series 2001-D Certificate: 
 ARTICLE IV 
 RIGHTS OF CERTIFICATEHOLDERS AND

 ALLOCATION AND APPLICATION OF COLLECTIONS 
 SECTION 4.04 Rights of Series 2001-D Certificateholders. The Series 2001-D Certificate shall represent undivided interests in the Trust, consisting of the right to receive, to the extent necessary to make the
required payments with respect to the Investor Certificate at the times and in the amounts specified in this Agreement, (a) the Floating Investor Percentage and Principal Investor Percentage (as applicable from time to time) of Collections
received with respect to the Receivables and (b) funds on deposit in the Collection Account, the Finance Charge Account and the Principal Account. The Transferor Interest shall not represent any interest in the Collection Account, the Finance
Charge Account or the Principal Account, except as specifically provided in this Article IV. 
 SECTION 4.05 Allocations.

 (a) Allocations During the Revolving Period. During the Revolving Period, the Servicer shall, prior to the close of business on the
day any Collections are deposited in the Collection Account, allocate to the Series 2001-D Certificateholders or the Holder of the Transferor Interest and pay or deposit from the Collection Account the following amounts as set forth below:

 (i) Allocate to the Series 2001-D Certificateholders and deposit in the Finance Charge Account an amount equal to the
product of (y) the Floating Investor Percentage on the Date of Processing of such Collections and (z) the aggregate amount of Collections of Finance Charge Receivables on such Date of Processing. Funds deposited into the Finance Charge
Account pursuant to this subsection 4.05(a)(i) shall be applied in accordance with Section 4.06. 
 (ii)
Allocate to the Series 2001-D Certificateholders an amount equal to the product of (1) the Principal Investor Percentage on the Date of Processing of such Collections and (2) the aggregate amount of Collections processed in respect of
Principal Receivables on such Date of Processing, and, of such amount: 
 (A) deposit in the Principal Account on each
such Date of Processing an amount equal to the Daily Principal Shortfall; 
  

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 (B) deposit in the Principal Account the following amounts: 
 (1) on each such Date of Processing, an amount equal to the lesser of (x) the Subordinated Note Percentage of the Collections in
respect of Principal Receivables allocated to the Series 2001-D Certificateholders pursuant to this subsection 4.05(a)(ii) and (y) so long as the Netting Conditions are satisfied, the Subordinated Principal Target Deposit Amount;
provided, however, that if the Netting Conditions are not satisfied, an amount equal to subsection 4.05(a)(ii)(B)(1)(x). 
 (2) on the related Transfer Date, deposit in the Principal Account an amount equal to the lesser of (x) the Collections in respect of Principal Receivables allocated to the Series 2001-D Certificateholders
pursuant to this subsection 4.05(a)(ii) and not previously deposited in the Principal Account and (y) the excess, if any, of the Aggregate Reallocated Principal Amount for the related Monthly Period over the aggregate amount on
deposit in the Principal Account pursuant to subsection 4.05(a)(ii)(B)(1) on the close of business on the last day of the related Monthly Period; and 
 (C) pay to the Holder of the Transferor Interest an amount equal to any excess; provided, however, that the amount to
be paid to the Holder of the Transferor Interest pursuant to this subsection 4.05(a)(ii)(C) with respect to any Date of Processing shall be paid to the Holder of the Transferor Interest if, and only to the extent that, the Transferor Interest
on such Transfer Date is equal to or greater than the Minimum Transferor Interest (after giving effect to the inclusion in the Trust of all Receivables created on or prior to such Date of Processing and the application of payments referred to in
subsection 4.03(b)) and otherwise shall be considered as Unallocated Principal Collections and deposited into the Principal Account in accordance with subsection 4.05(c). 
 (b) Allocations During the Rapid Amortization Period. During the Rapid Amortization Period, the Servicer shall, prior to the close of business on
the day any Collections are deposited in the Collection Account, allocate to the Series 2001-D Certificateholders or the Holder of the Transferor Interest and pay or deposit from the Collection Account the following amounts as set forth below:

 (i) Deposit into the Finance Charge Account an amount equal to the product of (A) the Floating Investor Percentage on
the Date of Processing of such Collections and (B) the aggregate amount of Collections processed in respect of Finance Charge Receivables on such Date of Processing to be applied in accordance with Section 4.06. 
  

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 (ii) (A) Deposit into the Principal Account an amount equal to the product of
(1) the Principal Investor Percentage on the Date of Processing of such Collections and (2) the aggregate amount of Collections processed in respect of Principal Receivables on such Date of Processing; provided, however, that
the amount deposited into the Principal Account pursuant to this subsection 4.05(b)(ii)(A) shall not exceed the Investor Interest as of the close of business on the last day of the prior Monthly Period (after taking into account any payments,
deposits and adjustments to be made to the Investor Interest on the Transfer Date relating to such Monthly Period) and (B) pay to the Holder of the Transferor Interest an amount equal to the excess, if any, identified in the proviso to clause
(A) above; provided, however, that the amount to be paid to the Holder of the Transferor Interest pursuant to this subsection 4.05(b)(ii)(B) with respect to any Date of Processing shall be paid to the Holder of the
Transferor Interest if, and only to the extent that, the Transferor Interest on such Date of Processing is equal to or greater than the Minimum Transferor Interest (after giving effect to the inclusion in the Trust of all Receivables created on or
prior to such Date of Processing and the application of payments referred to in subsection 4.03(b)) and otherwise shall be considered as Unallocated Principal Collections and deposited into the Principal Account in accordance with
subsection 4.05(c). 
 (c) Unallocated Principal Collections. Any Collections in respect of Principal Receivables not allocated
and paid to the Holder of the Transferor Interest because of the limitations contained in subsections 4.05(a)(ii)(C) and 4.05(b)(ii)(B) and any amounts allocable to the Series 2001-D Certificate deposited in the Principal Account
pursuant to subsections 2.04(d)(iii) and 4.03(c) (“Unallocated Principal Collections”) shall be held in the Principal Account and, except as provided in the following sentence, shall be paid to the Holder of the
Transferor Interest if, and only to the extent that, the Transferor Interest is greater than the Minimum Transferor Interest. For each Transfer Date with respect to any Note Accumulation Period (as defined in the Indenture), any such Unallocated
Principal Collections held in the Principal Account on such Transfer Date shall be included in the Investor Principal Collections which to the extent available shall be distributed as Available Investor Principal Collections to be applied pursuant
to Section 4.06 on such Transfer Date. 
 (d) Payments. With respect to the Series 2001-D Certificate, and notwithstanding
anything in the Agreement or this Series Supplement to the contrary, whether or not the Servicer is required to make monthly or daily deposits from the Collection Account into the Finance Charge Account or the Principal Account pursuant to
subsections 4.05(a) or 4.05(b), with respect to any Monthly Period (i) the Servicer will only be required to deposit Collections from the Collection Account into the Finance Charge Account or the Principal Account up to the
required amount to be deposited into any such account and distributed on or prior to the related Transfer Date to the Series 2001-D Certificateholders and (ii) if at any time prior to such Transfer Date the amount of Collections deposited in
the Collection Account, the Finance Charge Account or the Principal Account exceeds the amount required to be deposited pursuant to clause (i) above, the Servicer must immediately withdraw the excess from the Collection Account, the Finance
Charge Account or the Principal Account, as applicable, and immediately pay it to the Holder of the Transferor Interest. 
  

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 SECTION 4.06 Monthly Payments. On or before each Transfer Date, the Servicer shall instruct the
Trustee in writing (which writing shall be substantially in the form of Exhibit B hereto) to withdraw and the Trustee, acting in accordance with such instructions, shall withdraw on such Transfer Date, to the extent of available funds, the
amounts required to be withdrawn from the Finance Charge Account and the Principal Account as follows: 
 (a) An amount equal to the Available
Funds deposited into the Finance Charge Account for the related Monthly Period will be paid on each Transfer Date to the Series 2001-D Certificateholders in accordance with Section 5.01. 
 (b) During the Revolving Period, an amount equal to the Available Investor Principal Collections deposited into the Principal Account for the related
Monthly Period will be distributed on each Transfer Date in the following priority: 
 (i) an amount equal to the lesser of
(A) the Available Investor Principal Collections for such Transfer Date and (B) an amount equal to the Series 2001-D Monthly Principal Payment for the related Monthly Period shall be paid on each Transfer Date to the Series 2001-D
Certificateholders in accordance with Section 5.01; 
 (ii) an amount equal to the lesser of (A) the
Available Investor Principal Collections remaining after the application specified in subsection 4.06(b)(i) above and (B) the product of (1) a fraction, the numerator of which is equal to the Available Investor Principal Collections
remaining after the application specified in subsection 4.06(b)(i) above for such Transfer Date and the denominator of which is equal to the sum of the Available Investor Principal Collections available for sharing as specified in the related
Series Supplement for each Series in Group One (including Series 2001-D) and (2) the Cumulative Series Principal Shortfall shall remain in the Principal Account to be treated as Shared Principal Collections and applied to Series in Group One
other than this Series 2001-D; and 
 (iii) an amount equal to the excess, if any, of (A) the Available Investor
Principal Collections for such Transfer Date over (B) the applications specified in subsections 4.06(b)(i) and (ii) above shall be paid to the Holder of the Transferor Interest; provided, however, that the
amount to be paid to the Holder of the Transferor Interest pursuant to this subsection 4.06(b)(iii) with respect to such Transfer Date shall be paid to the Holder of the Transferor Interest if, and only to the extent that, the Transferor
Interest on such Date of Processing is equal to or greater than the Minimum Transferor Interest (after giving effect to the inclusion in the Trust of all Receivables created on or prior to such Transfer Date and the application of payments referred
to in subsection 4.03(b)) and otherwise shall be considered as Unallocated Principal Collections and deposited into the Principal Account in accordance with subsection 4.05(c). 
 (c) During the Rapid Amortization Period, an amount equal to the Available Investor Principal Collections deposited into the Principal Account for the
related Monthly Period will be distributed on each Transfer Date in the following priority: 
 (i) an amount equal to the
Investor Interest shall be paid on each Transfer Date to the Series 2001-D Certificateholders in accordance with Section 5.01; 
  

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 (ii) an amount equal to the excess, if any, of (A) the Available Investor Principal
Collections over (B) the applications specified in subsection 4.06(c)(i) above shall be paid to the Holder of the Transferor Interest; provided, however, that the amount to be paid to the Holder of the Transferor Interest
pursuant to this subsection 4.06(c)(ii) with respect to such Transfer Date shall be paid to the Holder of the Transferor Interest if, and only to the extent that, the Transferor Interest on such Date of Processing is equal to or greater than
the Minimum Transferor Interest (after giving effect to the inclusion in the Trust of all Receivables created on or prior to such Transfer Date and the application of payments referred to in subsection 4.03(b)) and otherwise shall be
considered as Unallocated Principal Collections and deposited into the Principal Account in accordance with subsection 4.05(c). 
 SECTION 4.07 Shared Principal Collections. 
 (a) The portion of Shared Principal Collections on deposit in the Principal
Account equal to the amount of Shared Principal Collections allocable to Series 2001-D on any Transfer Date shall be applied as an Available Investor Principal Collection pursuant to Section 4.06 and pursuant to such
Section 4.06 shall be paid on such Transfer Date to the Certificate Representative. 
 (b) Shared Principal Collections allocable
to Series 2001-D with respect to any Transfer Date shall mean an amount equal to the Series Principal Shortfall, if any, with respect to Series 2001-D for such Transfer Date; provided, however, that if the aggregate amount of Shared
Principal Collections for all Series for such Transfer Date is less than the Cumulative Series Principal Shortfall for such Transfer Date, then Shared Principal Collections allocable to Series 2001-D on such Transfer Date shall equal the product of
(i) Shared Principal Collections for all Series for such Transfer Date and (ii) a fraction, the numerator of which is the Series Principal Shortfall with respect to Series 2001-D for such Transfer Date and the denominator of which is the
Cumulative Series Principal Shortfall for all Series in Group One for such Transfer Date. 
 (c) Solely for the purpose of determining the
amount of Available Investor Principal Collections to be treated as Shared Principal Collections on any Transfer Date allocable to other Series in Group One, on each Determination Date, the Servicer shall determine the amount of Shared Principal
Collections with respect to Series 2001-D as of such Determination Date for the following Transfer Date. 
 SECTION 4.08 Transferor’s
or Servicer’s Failure to Make a Deposit or Payment. If the Servicer or the Transferor fails to make, or give instructions to make, any payment or deposit (other than as required by subsections 2.04(d) and (e) and
12.02(a) or Sections 10.02 and 12.01) required to be made or given by the Servicer or the Transferor, respectively, at the time specified in the Agreement (including applicable grace periods), the Trustee shall make such payment
or deposit from the applicable Investor Account without instruction from the Servicer or the Transferor. The Trustee shall be required to make any such 
  

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 payment, deposit or withdrawal hereunder only to the extent that the Trustee has sufficient information to allow it to
determine the amount thereof. The Servicer or the Transferor, as applicable, shall, upon request of the Trustee, promptly provide the Trustee with all information necessary to allow the Trustee to make such payment, deposit or withdrawal. Such funds
or the proceeds of such withdrawal shall be applied by the Trustee in the manner in which such payment or deposit should have been made by the Transferor or the Servicer, as the case may be. 
 SECTION 4.09 Collections of Finance Charge Receivables Allocable to Segregated Transferor Interest. The Certificate Representative may from time
to time notify the Transferor and the Servicer of the existence of a prefunding target amount and of the amount of the Transferor Interest that is to be the Segregated Transferor Interest in an amount equal to the prefunded amounts on deposit in the
Principal Funding Accounts (as defined in the Indenture and any supplement thereto) for any series of Notes. Prior to the close of business on the day any Collections are deposited in the Collection Account during the Monthly Period in which such
notice was given from and after the date of such notice, the Servicer will: 
 (a) allocate to the Segregated Transferor Interest and deposit
in the Finance Charge Account the aggregate amount of all Collections of Finance Charge Receivables allocable to the Segregated Transferor Interest with respect to such Monthly Period, and 
 (b) on the following Transfer Date, (i) pay to the Series 2001-D Certificateholder an amount equal to the lesser of (x) the aggregate amount
deposited in the Finance Charge Account pursuant to clause (a) above, and (y) the aggregate amount of all Prefunding Earnings Shortfalls (as defined in the Indenture and the related supplements thereto) for all tranches of Notes with
respect to such Monthly Period and (ii) pay to the Holder of the Transferor Interest an amount equal to any excess; provided, however, that within two (2) Business Days of the occurrence of an Insolvency Event, the aggregate
amount deposited into the Finance Charge Account pursuant to clause (a) on or prior to the occurrence of such Insolvency Event will, to the extent not previously paid to the Series 2001-D Certificateholder, be paid to the Series 2001-D
Certificateholder. 
 SECTION 6. Article V of the Agreement. Article V of the Agreement shall read in its entirety as follows
and shall be applicable only to the Series 2001-D Certificateholders: 
  

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 ARTICLE V 
 DISTRIBUTIONS AND REPORTS TO INVESTOR 
 CERTIFICATEHOLDERS 
 SECTION 5.01. Distributions. On each Transfer Date, the Trustee shall distribute (in accordance with the certificate delivered on or before the
related Transfer Date by the Servicer to the Trustee pursuant to subsection 3.04(b)) to the Certificate Representative the aggregate amount payable to the Series 2001-D Certificateholders pursuant to Section 4.06 to the account of
the Certificate Representative, as specified in writing by the Certificate Representative, in immediately available funds. 
 SECTION 5.02.
Monthly Series Certificateholders’ Statement. On or before each Transfer Date, the Trustee shall forward to the Certificate Representative and each Rating Agency a statement substantially in the form of Exhibit C to this Series
Supplement prepared by the Servicer, delivered to the Trustee and the Transferor and setting forth, among other things, the following information: 
 (i) the amount of the current distribution; 
 (ii) the amount of the current distribution
which constitute Available Funds and Available Investor Principal Collections; 
 (iii) the amount of Collections of Principal
Receivables processed during the related Monthly Period and allocated to Series 2001-D; 
 (iv) the amount of Collections of
Finance Charge Receivables processed during the related Monthly Period and allocated to Series 2001-D; 
 (v) the aggregate
amount of Principal Receivables, the Investor Interest, the Floating Allocation Investor Interest, the Principal Allocation Investor Interest, the Floating Investor Percentage and the Principal Investor Percentage with respect to the Principal
Receivables in the Trust as of the end of the day on the Record Date; 
 (vi) the aggregate outstanding balance of Accounts
which were 30 to 59, 60 to 89, 90 to 119, 120 to 149 and 150 or more days delinquent as of the end of the day on the Record Date; 
 (vii) the Aggregate Investor Default Amount for the related Monthly Period; 
 (viii) the amount of the Investor
Servicing Fee, the Net Servicing Fee and the Servicer Interchange for the related Monthly Period; and 
 (ix) such other items
as are set forth in Exhibit C to this Series Supplement. 
  

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 SECTION 7. Series 2001-D Pay Out Events. If any one of the following events shall occur with
respect to the Series 2001-D Certificate: 
 (a) failure on the part of the Transferor (i) to make any payment or deposit required by the
terms of the Agreement or this Series Supplement, on or before the date occurring five days after the date such payment or deposit is required to be made herein or (ii) duly to observe or perform in any material respect any covenants or
agreements of the Transferor set forth in the Agreement or this Series Supplement, which failure has a material adverse effect on the Series 2001-D Certificateholders and which continues unremedied for a period of 60 days after the date on which
written notice of such failure, requiring the same to be remedied, shall have been given to the Transferor by the Trustee, or to the Transferor and the Trustee by the Holders of the Series 2001-D Certificate evidencing Undivided Interests
aggregating not less than 50% of the Investor Interest of this Series 2001-D, and continues to affect materially and adversely the interests of the Series 2001-D Certificateholders for such period; 
 (b) any representation or warranty made by the Transferor in the Agreement or this Series Supplement, or any information contained in a computer file or
microfiche list required to be delivered by the Transferor pursuant to Section 2.01 or 2.06 of the Agreement, (i) shall prove to have been incorrect in any material respect when made or when delivered, which continues to be
incorrect in any material respect for a period of 60 days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Transferor by the Trustee, or to the Transferor and the Trustee by the
Holders of the Series 2001-D Certificate evidencing Undivided Interests aggregating not less than 50% of the Investor Interest of this Series 2001-D, and (ii) as a result of which the interests of the Series 2001-D Certificateholders are
materially and adversely affected and continue to be materially and adversely affected for such period; provided, however, that a Series 2001-D Pay Out Event pursuant to this subsection 7(b) hereof shall not be deemed to have
occurred hereunder if the Transferor has accepted reassignment of the related Receivable, or all of such Receivables, if applicable, during such period in accordance with the provisions of the Agreement; 
 (c) the Transferor shall fail to convey Receivables arising under Additional Accounts, or Participations, to the Trust, as required by subsection
2.06(a) of the Agreement; or 
 (d) any Servicer Default shall occur which would have a material adverse effect on the Series 2001-D
Certificateholders; 
 then, in the case of any event described in subsection 7(a), (b) or (d) hereof, after the applicable
grace period set forth in such subparagraphs, if any, either the Trustee or Holders of the Series 2001-D Certificate evidencing Undivided Interests aggregating not less than 50% of the Investor Interest of this Series 2001-D by notice then given in
writing to the Transferor and the Servicer (and to the Trustee if given by the Series 2001-D Certificateholders) may declare that a pay out event (a “Series 2001-D Pay Out Event”) has occurred as of the date of such notice, and in
the case of any event described in subsection 7(c) hereof, a Series 2001-D Pay Out Event shall occur without any notice or other action on the part of the Trustee or the Series 2001-D Certificateholders immediately upon the occurrence of such
event. 
  

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 SECTION 8. Sale of Investor Interest Pursuant to Subsection 2.04(e) or 10.02(a) of the Agreement.

 (a) (i) Notwithstanding anything to the contrary in this Series Supplement or the Agreement, the reassignment deposit amount with
respect to Series 2001-D in connection with a reassignment of Principal Receivables pursuant to subsection 2.04(e) of the Agreement shall be equal to the Reassignment Amount for the first Transfer Date following the Monthly Period in which
such reassignment obligation arises under the Agreement. 
 (ii) Notwithstanding anything to the contrary in this Series
Supplement or the Agreement, the minimum bid in connection with a sale of Receivables pursuant to subsection 10.02(a) of the Agreement shall be equal to the Reassignment Amount for the first Transfer Date following the Monthly Period in which
such sale of receivables obligation arises under the Agreement. 
 (b) With respect to the proceeds from any reassignment of Principal
Receivables available for distribution to the Series 2001-D Certificateholders as described in this Section 8 or any Termination Proceeds from the sale of Receivables (or interests therein) allocable to the Investor Interest deposited
into the Collection Account pursuant to subsection 12.01(b) of the Agreement, the Trustee shall, not later than 12:00 noon, New York City time, on the following Transfer Date, make deposits or distributions of such amounts and pay such
amounts to the Series 2001-D Certificateholders. 
 (c) Notwithstanding anything to the contrary in this Series Supplement or the Agreement,
the entire amount payable to the Series 2001-D Certificateholders pursuant to subsection 10.02(a) of the Agreement and all amounts available for distribution to the Series 2001-D Certificateholders shall be distributed in full to the Series
2001-D Certificateholders on such date and shall be deemed to be a final distribution pursuant to Section 12.01 of the Agreement. 
 SECTION 9. Distribution of Proceeds of Sale, Disposition or Liquidation of the Receivables Pursuant to Section 9.02 of the Agreement. 
 (a) Not later than 12:00 noon, New York City time, on the Transfer Date following the date on which Insolvency Proceeds are deposited into the Collection Account pursuant to subsection 9.02(b) of the Agreement,
the Trustee shall (after giving effect to any deposits and distributions otherwise to be made on such Transfer Date) deduct from the Collection Account an amount equal to the Outstanding principal amount of all Notes on such Transfer Date from the
portion of the Insolvency Proceeds allocated to Collections of Principal Receivables and pay such amount to the Series 2001-D Certificateholders; provided, however, that the amount of such payment shall not exceed the product of
(x) the portion of the Insolvency Proceeds allocated to Collections of Principal Receivables and (y) the Principal Investor Percentage with respect to the related Monthly Period. 
 (b) Not later than 12:00 noon, New York City time, on the Transfer Date following the date on which Insolvency Proceeds are deposited into the Collection
Account 
  

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 pursuant to subsection 9.02(b) of the Agreement, the Trustee shall (in the following priority and, in each case,
after giving effect to any deposits and distributions otherwise to be made on such Transfer Date) deduct from the Collection Account an amount equal to the accrued, past due and additional interest on all Notes on such Transfer Date from the portion
of the Insolvency Proceeds allocated to Collections of Finance Charge Receivables and pay such amount to the Series 2001-D Certificateholders; provided, however, that the amount of such payment shall not exceed the product of
(x) the portion of the Insolvency Proceeds allocated to Collections of Finance Charge Receivables and (y) the Floating Investor Percentage with respect to such Monthly Period. 
 (c) Notwithstanding anything to the contrary in this Series Supplement or the Agreement, the entire amount payable to the Series 2001-D
Certificateholders pursuant to this Section, and all amounts on deposit in the Collection Account for distribution to the Series 2001-D Certificateholders shall be distributed in full to the Series 2001-D Certificateholders on the Transfer Date on
which funds are deposited pursuant to this Section (or, if not so deposited on a Transfer Date, on the immediately following Transfer Date) and shall be deemed to be a final distribution pursuant to Section 12.01 of the Agreement.

 (d) Notwithstanding any provision of the Agreement or this Series Supplement, for purposes of subsection 9.02(a) of the Agreement,
the Holders of the Series 2001-D Certificates shall be deemed to have irrevocably disapproved a liquidation of the Receivables following an Insolvency Event with respect to the Transferor. 
 SECTION 10. Sale of Receivables. Upon notice to the Trustee, the Transferor, and the Servicer by the Certificate Representative pursuant to the
Indenture with respect to any tranche of accelerated Notes or any tranche of Notes which has reached its Legal Maturity Date, the Trustee will cause the Trust to sell to a Permitted Assignee Principal Receivables and the related Finance Charge
Receivables (or interests therein) in an amount specified by the Certificate Representative which shall be a portion of the Investor Interest of Series 2001-D equal to the Nominal Liquidation Amount of the affected tranche of Notes, calculated as of
the end of the prior Monthly Period (after giving effect to deposits and distributions otherwise to be made with respect to such Monthly Period). The proceeds from such sale shall be immediately paid to the Certificate Representative. 
 SECTION 11. Series 2001-D Termination. The right of the Series 2001-D Certificateholders to receive payments from the Trust will terminate on the
first Business Day following the earlier to occur of (i) the date designated by the Transferor following the last occurring Legal Maturity Date of any tranche of Notes, and (ii) the Trust Termination Date. 
 SECTION 12. Counterparts. This Series Supplement may be executed in any number of counterparts, each of which so executed shall be deemed to be an
original, but all of such counterparts shall together constitute but one and the same instrument. 
 SECTION 13. Governing Law; Submission
to Jurisdiction; Agent for Service of Process. This Series Supplement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to principles of conflict of laws. The parties hereto declare that it
is their intention that this Series Supplement shall be regarded as made under the 
  

 22 

 laws of the State of Delaware and that the laws of said State shall be applied in interpreting its provisions in all
cases where legal interpretation shall be required. Each of the parties hereto agrees (a) that this Series Supplement involves at least $100,000.00, and (b) that this Series Supplement has been entered into by the parties hereto in express
reliance upon 6 DEL. C. § 2708. Each of the parties hereto hereby irrevocably and unconditionally agrees (a) to be subject to the jurisdiction of the courts of the State of Delaware and of the federal courts sitting in the State of
Delaware, and (b)(1) to the extent such party is not otherwise subject to service of process in the State of Delaware, to appoint and maintain an agent in the State of Delaware as such party’s agent for acceptance of legal process, and
(2) that, to the fullest extent permitted by applicable law, service of process may also be made on such party by prepaid certified mail with a proof of mailing receipt validated by the United States Postal Service constituting evidence of
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 14. Additional Notices. For so long as the Series 2001-D Certificate shall be outstanding, the Transferor agrees to provide
Fitch with the notice provided to each Rating Agency in subsection 2.06(c)(i) of the Agreement and agrees to provide to Fitch and Standard and Poor’s the Opinion of Counsel provided to Moody’s pursuant to subsection
2.06(c)(vi) of the Agreement, in each case in the times and the manner provided for in such subsections. 
 SECTION 15. Additional
Representations and Warranties of the Servicer. The Servicer, hereby makes as of the Closing Date and as of the Amendment Closing Date, and any Successor Servicer by its appointment under the Agreement shall make the following representations
and warranties: 
 (a) All Consents. All authorizations, consents, orders or approvals of or registrations or declarations with any
Governmental Authority required to be obtained, effected or given by the Servicer in connection with the execution and delivery of this Series Supplement by the Servicer and the performance of the transactions contemplated by this Series Supplement
by the Servicer, have been duly obtained, effected or given and are in full force and effect. 
 (b) Rescission or Cancellation. The
Servicer shall not cause or authorize any rescission or cancellation of any Receivable except as ordered by a court of competent jurisdiction or other Governmental Authority or in accordance with the normal operating procedures of the Servicer.

 (c) Receivables Not To Be Evidenced by Promissory Notes. Except in connection with its enforcement or collection of an Account, the
Servicer will take no action to cause any Receivable to be evidenced by an instrument or chattel paper (as defined in the Delaware UCC). 
 SECTION 16. No Petition. To the fullest extent permitted by applicable law, the Transferor, the Servicer and the Trustee, by entering into this Series Supplement, and each Series 2001-D Certificateholder, by accepting the Series
2001-D Certificate or any portion thereof, hereby covenant and agree that they will not at any time institute against the Trust, or 
  

 23 

 join in any institution against the Trust of, any bankruptcy proceedings under any United States Federal or state
bankruptcy or similar law in connection with any obligations relating to the Series 2001-D Certificateholders, the Agreement or this Series Supplement. 
 To the fullest extent permitted by applicable law, the Servicer and the Trustee, by entering into this Series Supplement, and each Series 2001-D Certificateholder, by accepting the Series 2001-D Certificate or any
portion thereof, hereby covenant and agree that they will not at any time institute against the Transferor, or join in any institution against the Transferor of, any bankruptcy proceedings under any United States Federal or state bankruptcy or
similar law. 
 SECTION 17. Certain Tax Related Amendments. In addition to being subject to amendment pursuant to any other provisions
relating to amendments in either the Agreement or this Series Supplement, this Series Supplement may be amended by the Transferor without the consent of the Servicer, Trustee or any Series 2001-D Certificateholder if the Transferor provides the
Trustee with (i) an Opinion of Counsel to the effect that such amendment or modification would reduce the risk the Trust would be treated as taxable as a publicly traded partnership pursuant to Code section 7704 and (ii) a certificate that
such amendment or modification would not materially and adversely affect any Series 2001-D Certificateholder; provided, that no such amendment shall be deemed effective without the Trustee’s consent, if the Trustee’s rights, duties
and obligations hereunder are thereby modified. Promptly after the effectiveness of any amendment pursuant to this Section 17, the Transferor shall deliver a copy of such amendment to each of the Servicer, the Trustee and each Rating
Agency. 
 SECTION 18. Treatment of Noteholders. Subject to subsection 9(d), for purposes of any provision of the Agreement or
this Series Supplement requiring or permitting actions with the consent of, or at the direction of, Series 2001-D Certificateholders holding a specified percentage of the aggregate unpaid principal amount of 2001-D Certificates (a) each
Noteholder will be deemed to be a Series 2001-D Certificateholder; (b) each Noteholder will be deemed to be the Holder of an aggregate unpaid principal amount of the Series 2001-D Certificate equal to the Adjusted Outstanding Dollar Principal
Amount of such Noteholder’s Notes; (c) each series of Notes under the Indenture will be deemed to be a separate Series of Investor Certificates and the Holder of a Note of such series will be deemed to be the Holder of an aggregate unpaid
principal amount of such Series of Investor Certificates equal to the Adjusted Outstanding Dollar Principal Amount of such Noteholder’s Notes of such series; (d) each tranche of Notes under the Indenture will be deemed to be a separate
Class of Investor Certificates and the Holder of a Note of such tranche will be deemed to be the Holder of an aggregate unpaid principal amount of such Class of Investor Certificates equal to the Adjusted Outstanding Dollar Principal Amount of such
Noteholder’s Notes of such tranche and (e) any Notes owned by the BA Credit Card Trust, the Transferor, the Servicer, any other holder of the Transferor Interest or any Affiliate thereof will be deemed not to be outstanding, except that,
in determining whether the Trustee shall be protected in relying upon any such consent or direction, only Notes which the Trustee knows to be so owned shall be so disregarded. Notes so owned which have been pledged in good faith shall not be
disregarded and may be regarded as outstanding if the pledgee establishes to the satisfaction of the Trustee the pledgee’s right so to act with respect to such Notes and that the pledgee is not the Transferor, the Servicer, any other holder of
the Transferor Interest or any Affiliate thereof. 
  

 24 

 SECTION 19. Transfer of the Series 2001-D Certificate. After the Closing Date, the Series 2001-D
Certificate may not be sold, participated, transferred, assigned, exchanged or otherwise pledged or conveyed in whole or in part except upon the prior delivery to the Master Trust Trustee and the Owner Trustee of a Master Trust Tax Opinion and an
Issuer Tax Opinion (as defined in the Indenture), respectively, with respect thereto. 
 SECTION 20. Amendment to the Agreement.

 (a) On the first date on which there are no longer any Investor Certificates of any Series issued on or prior to April 25, 2001 which
are outstanding, Section 9.02 of the Agreement is hereby amended by deleting such section in its entirety and inserting in its place the following: 
 Section 9.02. Additional Rights Upon the Occurrence of Certain Events. If an Insolvency Event with respect to the Transferor
pursuant to subsection 9.01(c) occurs, the Transferor shall on the day of such Insolvency Event immediately cease to transfer Principal Receivables to the Trustee and shall promptly give notice to the Trustee and the Servicer of such Insolvency
Event. Notwithstanding any cessation of the transfer to the Trustee of additional Principal Receivables, Finance Charge Receivables, whenever created, accrued in respect of Principal Receivables which have been transferred to the Trustee shall
continue to be a part of the Trust, and Collections with respect thereto shall continue to be allocated and paid in accordance with Article IV. 
 (b) The Transferor hereby represents and warrants to the Trustee and the Servicer as of the date of this Series Supplement that, on or before the date of this Series Supplement, the conditions set forth in
subsection 13.01(a) of the Agreement have been satisfied with respect to the amendment set forth in subsection 20(a). 
 SECTION 21. Annual Servicer’s Certificate for Series 2001-D. For purposes of the Officer’s Certificate prepared and delivered by the Servicer in accordance with Section 3.05 of the Agreement, with regard to Series
2001-D such Officer’s Certificate shall include a review of the Servicer’s activities and obligations under the Agreement, this Series Supplement and the Indenture. 
 SECTION 22. Annual Independent Accountants’ Servicing Report. 
 (a) With regard to any tranche of Notes or any additional Notes the offer and sale of which (i) commences on or before
December 31, 2005 or (ii) is not registered with the Commission under the Securities Act, on or before the 90th day following the end of each fiscal year of the Trust and BA Credit Card Trust (or, if such 90th day is not a Business Day,
the next succeeding Business Day), the Servicer, on behalf of the Trust, shall cause a firm of nationally recognized independent certified public accountants (who may also render other services to the Servicer or the Transferor) to furnish reports
prepared in accordance with Sections 3.06(a) and (b) of the Agreement. A copy of such reports may be obtained by any Series 2001-D Certificateholder by a request in writing to the Trustee addressed to the Corporate Trust Office. 
  

 25 

 (b) Notwithstanding any provision of Section 3.06 of the Agreement or subsection
22(a) to the contrary, with regard to any tranche of Notes or any additional Notes the offer and sale of which (i) commences after December 31, 2005 and (ii) is registered with the Commission under the Securities Act, on or before the
90th day following the end of each fiscal year of the Trust and BA Credit Card Trust (or, if such 90th day is not a Business Day, the next succeeding Business Day), commencing with the fiscal year ending June 30, 2006, the Servicer shall cause
a firm of nationally recognized independent public accountants (who may also render other services to the Servicer or the Transferor) to furnish, as provided in Section 13.05, to the Trustee, the Transferor and the Rating Agency each
attestation report on assessments of compliance with the Servicing Criteria with respect to the Servicer or any affiliate thereof during the immediately preceding fiscal year delivered by such accountants pursuant to Rule 13(a)-18 or Rule 15(d)-18
of the Exchange Act and Item 1122 of Regulation AB. 
 A copy of such report (or reports, as applicable) may be obtained
by any Series 2001-D Certificateholder by a request in writing to the Trustee addressed to the Corporate Trust Office. 
 SECTION 23.
Compliance with Regulation AB. 
 (a) Intent of the Parties; Reasonableness. The Transferor, the Trustee and
the Servicer acknowledge and agree that the purpose of this Section 23 is to facilitate compliance by the Transferor with the provisions of Regulation AB and related rules and regulations of the Securities and Exchange Commission (the
“Commission”). The Transferor shall not exercise its right to request delivery of information or other performance under these provisions other than in good faith, or for purposes other than the Transferor’s compliance with the
Securities Act, the Exchange Act and the rules and regulations of the Commission thereunder (or the provision in a private offering of disclosure comparable to that required under the Securities Act). The Trustee agrees to cooperate in good faith
with any reasonable request by the Transferor for information regarding the Trustee which is required in order to enable the Transferor to comply with the provisions of Items 1109(a), 1109(b), 1117, 1118, 1119 and 1122 of Regulation AB as it relates
to the Trustee or to the Trustee’s obligations under the Agreement or this Series Supplement. The Servicer shall cooperate fully with the Transferor to deliver to the Transferor (including any of its assignees or designees), any and all
statements, reports, certifications, records and any other information necessary in the good faith determination of the Transferor to permit the Transferor to comply with the provisions of Regulation AB, together with such disclosures relating to
the Servicer and the Accounts, or the servicing of the Receivables, reasonably believed by the Transferor to be necessary in order to effect such compliance. 
 (b) Additional Representations and Warranties of the Trustee. The Trustee shall be deemed to represent to the Transferor, as of
the date on which information is provided to the Transferor under Section 23(c) that, except as disclosed in writing to the Transferor prior to such date: (i) neither the execution or the delivery by the Trustee of the Agreement or this
Series Supplement, the performance by the Trustee of its obligations under this Agreement or this Series Supplement nor the consummation of 
  

 26 

 any of the transactions by the Trustee contemplated thereby, is in violation of any indenture, mortgage,
bank credit agreement, note or bond purchase agreement, long-term lease, license or other agreement or instrument to which the Trustee is a party or by which it is bound, which violation would have a material adverse effect on the Trustee’s
ability to perform its obligations under the Agreement or this Series Supplement, or of any judgment or order applicable to the Trustee; and (ii) there are no proceedings pending or threatened against the Trustee in any court or before any
governmental authority, agency or arbitration board or tribunal which, individually or in the aggregate, would have a material adverse effect on the right, power and authority of the Trustee to enter into the Agreement or this Series Supplement or
to perform its obligations under the Agreement or this Series Supplement. 
 (c) Information to Be Provided by the
Trustee. The Trustee shall (i) on or before the final Business Day of each month, provide to the Transferor, in writing, such information regarding the Trustee as is requested for the purpose of compliance with Item 1117 of Regulation
AB, and (ii) as promptly as practicable following notice to or discovery by the Trustee of any changes to such information, provide to the Transferor, in writing, such updated information. 
 The Trustee shall (i) on or before the final Business Day of each January, April, July and October, provide to the Transferor such
information regarding the Trustee as is requested for the purpose of compliance with Items 1109(a), 1109(b), 1118 and 1119 of Regulation AB, and (ii) as promptly as practicable following notice to or discovery by the Trustee of any changes to
such information, provide to the Transferor, in writing, such updated information. Such information shall include, at a minimum: 
 (A) the Trustee’s name and form of organization; 
 (B) a description of the extent to which the Trustee has
had prior experience serving as a trustee for asset-backed securities transactions involving credit card receivables; 
 (C)
a description of any affiliation or relationship between the Trustee and any of the following parties to a Securitization Transaction, as such parties are identified to the Trustee by the Transferor in writing in advance of such Securitization
Transaction: 
 (1) the sponsor; 
 (2) any depositor; 
 (3) the issuing entity; 
 (4) any servicer; 
 (5) any trustee; 
 (6) any originator; 
 (7) any significant obligor; 
 (8) any enhancement or support provider; and 
 (9) any other material transaction party. 
  

 27 

 (D) In connection with the above-listed parties, a description of whether there is, and
if so the general character of, any business relationship, agreement, arrangement, transaction or understanding that is entered into outside the ordinary course of business or is on terms other than would be obtained in an arm’s length
transaction with an unrelated third party, apart from the asset-backed securities transaction, that currently exists or that existed during the past two years and that is material to an investor’s understanding of the asset-backed securities.

 (d) Report on Assessment of Compliance and Attestation. On or before the 60th day following the end of each fiscal
year of the Trust and BA Credit Card Trust, commencing in 2006, the Trustee shall: 
 (i) deliver to the Transferor and the
Servicer a report regarding the Trustee’s assessment of compliance with the Servicing Criteria during the immediately preceding fiscal year, as required under Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation AB. Such
report shall be addressed to the Transferor and the Servicer and signed by an authorized officer of the Trustee, and shall address each of the Servicing Criteria specified in Exhibit E hereto or such criteria as mutually agreed upon by the
Transferor and the Trustee; 
 (ii) deliver to the Transferor and the Servicer a report of a registered public accounting
firm reasonably acceptable to the Transferor that attests to, and reports on, the assessment of compliance made by the Trustee and delivered pursuant to the preceding paragraph. Such attestation shall be in accordance with Rules 1-02(a)(3) and
2-02(g) of Regulation S-X under the Securities Act and the Exchange Act; and 
 (iii) deliver to the Transferor, the Servicer
and any other Person that will be responsible for signing the certification (a “Sarbanes Certification”) required by Rules 13a-14(d) and 15d-14(d) under the Exchange Act (pursuant to Section 302 of the Sarbanes-Oxley Act of
2002) on behalf of the Trust, BA Credit Card Trust or the Transferor with respect to a Securitization Transaction a certification, signed by any Vice President or more senior officer of the Trustee, substantially in the form attached hereto as
Exhibit D or such form as mutually agreed upon by the Transferor and the Trustee. 
 The Trustee acknowledges that the parties identified in
clause (iii) above may rely on the certification provided by the Trustee pursuant to such clause in signing a Sarbanes Certification and filing such with the Commission. 
 (e) Additional Representations and Warranties of the Servicer. The Servicer shall be deemed to represent to the Transferor, as of the date on
which information is provided to the Transferor under subsection 23(f) that, except as disclosed in writing to the Transferor prior to such date to the best of its knowledge: (i) the Servicer is not aware and has not received notice that any
default, early amortization or other performance triggering event has occurred as to any other securitization due to any act or failure to act of the Servicer; (ii) the Servicer has not 
  

 28 

 been terminated as servicer in a securitization involving credit card receivables, either due to a servicing default or
to application of a servicing performance test or trigger; (iii) no material noncompliance with the applicable servicing criteria with respect to other securitizations of credit card receivables involving the Servicer as servicer has been
disclosed or reported by the Servicer; (iv) no material changes to the Servicer’s policies or procedures with respect to the servicing function it will perform under the Agreement and this Series Supplement have occurred during the
three-year period immediately preceding the related Securitization Transaction; (v) there are no aspects of the Servicer’s financial condition that could have a material adverse effect on the performance by the Servicer of its servicing
obligations under the Agreement or this Series Supplement; and (vi) there are no material legal or governmental proceedings pending (or known to be contemplated) against the Servicer, any Subservicer or any unaffiliated third-party originator
of Receivables. 
 (f) Information to Be Provided by the Servicer. In connection with any Securitization Transaction, the Servicer
shall (i) within five (5) Business Days following request by the Transferor, provide to the Transferor, in writing, the information specified in this subsection, and (ii) as promptly as practicable following notice to or discovery by
the Servicer of any changes to such information, provide to the Transferor, in writing, such updated information. 
 (i) If so
requested by the Transferor, the Servicer shall provide to the Transferor such information regarding the Servicer and each Subservicer (each of the Servicer and each Subservicer, for purposes of this paragraph, a “Servicing Party”),
as is requested for the purpose of compliance with Item 1108 of Regulation AB. Such information shall include, at a minimum: 
 (A) the Servicing Party’s name and form of organization; 
 (B) a description of how long the Servicing Party
has been servicing credit card receivables; a general discussion of the Servicing Party’s experience in servicing assets of any type as well as a more detailed discussion of the Servicing Party’s experience in, and procedures for, the
servicing function it will perform under the Agreement and this Series Supplement; information regarding the size, composition and growth of the Servicing Party’s portfolio of credit card accounts of a type similar to the Accounts and
information on factors related to the Servicing Party that may be material, in the good faith judgment of the Transferor, to any analysis of the servicing of the Receivables or the related asset-backed securities, as applicable, including, without
limitation: 
 (1) whether any prior securitizations of credit card receivables involving the Servicing Party defaulted or
experienced an early amortization or other performance triggering event because of servicing during the three-year period immediately preceding the related Securitization Transaction; 
 (2) the extent of outsourcing the Servicing Party utilizes; 
  

 29 

 (3) whether there has been previous disclosure of material noncompliance with the
applicable servicing criteria with respect to other securitizations of credit card receivables involving the Servicing Party as a servicer during the three-year period immediately preceding the related Securitization Transaction; 
 (4) whether the Servicing Party has been terminated as servicer in a securitization of credit card receivables, either due to a servicing
default or to application of a servicing performance test or trigger; and 
 (5) such other information as the Transferor may
reasonably request for the purpose of compliance with Item 1108(b)(2) of Regulation AB; 
 (C) a description of any
material changes during the three-year period immediately preceding the related Securitization Transaction to the Servicing Party’s policies or procedures with respect to the servicing function it will perform under the Agreement and this
Series Supplement; 
 (D) information regarding the Servicing Party’s financial condition, to the extent that there is a
material risk that an adverse financial event or circumstance involving the Servicing Party could have a material adverse effect on the performance by the Servicing Party of its servicing obligations under the Agreement or this Series Supplement;

 (E) a description of the Servicing Party’s processes and procedures designed to address any special or unique factors
involved in servicing; 
 (F) a description of the Servicing Party’s processes for handling delinquencies, losses,
bankruptcies and recoveries, such as sale of defaulted receivables; and 
 (G) information as to how the Servicing Party
defines or determines delinquencies and charge-offs, including the effect of any grace period, re-aging, restructuring, partial payments considered current or other practices with respect to delinquency and loss experience. 
 (ii) As a condition to the succession to the Servicer or any Subservicer as servicer or subservicer under the Agreement or this Series
Supplement by any Person (A) into which the Servicer or such Subservicer may be merged or consolidated, or (B) which may be appointed as a successor to the Servicer or such Subservicer, the Servicer shall provide to the Transferor at least
fifteen (15) calendar days prior to the effective date of such succession or appointment, (x) written notice to the Transferor of such succession or appointment and (y) in writing and in form and substance reasonably satisfactory to
the Transferor, all information reasonably requested by the Transferor in order to comply with its reporting obligation under Item 6.02 of Form 8-K with respect to any Series or Class, or any Notes issued by BA Credit Card Trust. 
  

 30 

 (iii) In addition to such information as the Servicer is obligated to provide pursuant to
other provisions of the Agreement and this Series Supplement, if so requested by the Transferor, the Servicer shall provide to the Transferor such information regarding the performance or servicing of the Receivables as is reasonably required to
facilitate preparation of distribution reports in accordance with Item 1121 of Regulation AB. Such information shall be provided concurrently with the distribution reports otherwise required to be delivered monthly by the Servicer under the
Agreement and this Series Supplement, commencing with the first such report due not less than ten (10) Business Days following such request. 
 (g) Report on Assessment of Compliance and Attestation. On or before the 60th day following the end of each fiscal year of the Trust and BA Credit Card Trust, commencing in 2006, the Servicer shall: 
 (i) deliver to the Transferor a report regarding the Servicer’s assessment of compliance with the Servicing Criteria during the
immediately preceding calendar year, as required under Rules 13a-18 and 15d-18 of the Exchange Act and Item 1122 of Regulation AB. Such report shall be addressed to the Transferor and signed by an authorized officer of the Servicer, and shall
address each of the Servicing Criteria specified in Exhibit E or such criteria as mutually agreed upon by the Transferor and the Servicer; 
 (ii) deliver to the Transferor a report of a registered public accounting firm reasonably acceptable to the Transferor that attests to, and reports on, the assessment of compliance made by the Servicer and delivered
pursuant to the preceding paragraph. Such attestation shall be in accordance with Rules 1-02(a)(3) and 2-02(g) of Regulation S-X under the Securities Act and the Exchange Act; 
 (iii) cause each Servicing Participant to deliver to the Transferor an assessment of compliance and accountants’ attestation as and
when provided in paragraphs (i) and (ii) of this subsection; and 
 (iv) deliver to the Transferor and any other
Person that will be responsible for signing the Sarbanes Certification on behalf of the Trust, BA Credit Card Trust or the Transferor with respect to a Securitization Transaction a certification in the form attached hereto as Exhibit D. 

The Servicer acknowledges that the parties identified in clause (iv) above may rely on the certification provided by the Servicer pursuant to such clause in
signing a Sarbanes Certification and filing such with the Commission. 
 Each assessment of compliance provided by a Subservicer pursuant to
subsection 23(f)(i) shall address each of the Servicing Criteria specified on a certification substantially in 
  

 31 

 the form of Exhibit E hereto delivered to the Transferor upon reasonable request of the Transferor after the execution of
the Agreement or, in the case of a Subservicer subsequently appointed as such, on or prior to the date of such appointment. An assessment of compliance provided by a Servicing Participant (other than the Servicer or any Subservicer) pursuant to
subsection 23(f)(iii) need not address any elements of the Servicing Criteria other than those specified by the Servicer pursuant to subsection 23(g). 
 (h) Use of Subservicers and Servicing Participants. 
 (i) The Servicer shall use its
best efforts to hire or otherwise utilize only the services of Subservicers that agree to comply with the provisions of this subsection 23(g)(i). The Servicer shall use its best efforts to hire or otherwise utilize only the services of Servicing
Participants, and shall use its best efforts to ensure that Subservicers hire or otherwise utilize only the services of Servicing Participants, to fulfill any of the obligations of the Servicer as servicer under the Agreement or this Series
Supplement, if those Servicing Participants agree to comply with the provisions of subsection 23(g)(ii). 
 (ii) It shall not
be necessary for the Servicer to seek the consent of the Transferor to the utilization of any Subservicer. The Servicer shall use its best efforts to cause any Subservicer used by the Servicer (or by any Subservicer) for the benefit of the
Transferor to comply with the provisions of this subsection 23(g) and with Section 3.05 of the Agreement and subsections 23(e) and (f) to the same extent as if such Subservicer were the Servicer. The Servicer shall be responsible for
obtaining from each Subservicer and delivering to the Transferor any servicer compliance statement required to be delivered by such Subservicer under Section 3.05 of the Agreement, any assessment of compliance and attestation required to be
delivered by such Subservicer under subsection 23(f) and any certification required to be delivered to the Person that will be responsible for signing the Sarbanes Certification under subsection 23(f) as and when required to be delivered.

  

 32 

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

			
	BA CREDIT CARD FUNDING, LLC,
	    as Transferor
		
	By:	 	 /s/ Marcie E. Copson-Hall

	Name:	 	 Marcie E. Copson-Hall

	Title:	 	 President

	
	FIA CARD SERVICES,
	 NATIONAL ASSOCIATION (formerly known as MBNA America Bank, National Association),
     as Servicer

		
	By:	 	 /s/ Scott W. McCarthy

	Name:	 	 Scott W. McCarthy

	Title:	 	 Senior Vice President

	
	 THE BANK OF NEW YORK,
     as Trustee

		
	By:	 	 /s/ Catherine L. Cerilles

	Name:	 	 Catherine L. Cerilles

	Title:	 	 Assistant Vice President

 [Signature Page to Second Amended and Restated Series 2001-D Supplement 
 dated as of October 20, 2006] 

 EXHIBIT A 
 FORM OF CERTIFICATE 
 THE HOLDER HEREOF, BY PURCHASING THIS SERIES 2001-D
CERTIFICATE, AGREES THAT IT IS ACQUIRING THIS SERIES 2001-D CERTIFICATE FOR ITS OWN ACCOUNT (AND NOT FOR THE ACCOUNT OF OTHERS) AND NOT WITH A VIEW TO, OR FOR SALE IN CONNECTION WITH, THE PUBLIC DISTRIBUTION HEREOF AND THAT NEITHER THIS SERIES
2001-D CERTIFICATE NOR ANY INTEREST HEREIN MAY BE OFFERED, SOLD, PLEDGED, OR OTHERWISE TRANSFERRED, EXCEPT IN COMPLIANCE WITH THE REGISTRATION PROVISIONS OF THE SECURITIES ACT OF 1933, AS AMENDED AND ANY APPLICABLE PROVISIONS OF ANY STATE SECURITIES
LAWS OR PURSUANT TO AN AVAILABLE EXEMPTION FROM SUCH PROVISIONS. THE TRANSFER OF THIS SERIES 2001-D CERTIFICATE IS SUBJECT TO CERTAIN CONDITIONS SET FORTH IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. 
 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER THIS SERIES 2001-D CERTIFICATE NOR ANY INTEREST HEREIN MAY BE TRANSFERRED,
ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR CONVEYED, EXCEPT IN ACCORDANCE WITH THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. 
 No.     
 BA MASTER CREDIT CARD TRUST II 
 SERIES 2001-D CERTIFICATE 
 ASSET BACKED
CERTIFICATE, SERIES 2001-D 
 Evidencing an Undivided Interest in a trust, the corpus of which consists of a portfolio of MasterCard®, VISA® and American Express credit card receivables generated or acquired by FIA Card
Services, National Association (formerly known as MBNA America Bank, National Association) and other assets and interests constituting the Trust under the Pooling and Servicing Agreement described below. 
 (Not an interest in or obligation of 
 BA
Credit Card Funding, LLC 
 or any Affiliate thereof.) 
 This certifies that
                                        
                                        
     (the “Investor Certificateholder”) is the registered owner of an Undivided Interest in BA Master Credit Card Trust II (the “Trust”), the corpus of which consists of a portfolio of
receivables (the “Receivables”) now existing or hereafter created and arising in connection with selected 
  

 A-1 

 MasterCard, VISA and American Express* credit card accounts (the “Accounts”) of FIA Card Services,
National Association, a national banking association organized under the laws of the United States, all monies due or to become due in payment of the Receivables (including all Finance Charge Receivables but excluding recoveries on any charged-off
Receivables), the right to certain amounts received as Interchange with respect to the Accounts and the other assets and interests constituting the Trust pursuant to a Second Amended and Restated Pooling and Servicing Agreement, dated as of
October 20, 2006, as supplemented by the Second Amended and Restated Series 2001-D Supplement, dated as of October 20, 2006 (collectively, the “Pooling and Servicing Agreement”), by and among BA Credit Card Funding, LLC,
as Transferor (the “Transferor”), FIA Card Services, National Association, as Servicer (the “Servicer”), and The Bank of New York, as Trustee (the “Trustee”), a summary of certain of the pertinent
provisions of which is set forth hereinbelow. 
 To the extent not defined herein, capitalized terms used herein have the respective meanings
assigned to them in the Pooling and Servicing Agreement. This Investor Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement, as amended
from time to time, the Investor Certificateholder by virtue of the acceptance hereof assents and by which the Investor Certificateholder is bound. 
 Although a summary of certain provisions of the Pooling and Servicing Agreement is set forth below, this Investor Certificate is qualified in its entirety by the terms and provisions of the Pooling and Servicing Agreement and reference is
made to that Pooling and Servicing Agreement for information with respect to the interests, rights, benefits, obligations, proceeds, and duties evidenced hereby and the rights, duties and obligations of the Trustee. 
 Beginning on July 13, 2001 and on each Transfer Date thereafter, the Trustee shall distribute to the Investor Certificateholders of record as of the
last Business Day of the calendar month preceding such Transfer Date such amounts as are payable pursuant to the Pooling and Servicing Agreement and as are requested by the certificate delivered to the Trustee by the Servicer pursuant to
Section 5.01 of the Pooling and Servicing Agreement. The Series 2001-D Termination Date is the earlier the occur of (i) the date designated by the Transferor following the last occurring Legal Maturity Date of any tranche of Notes
and (ii) the Trust Termination Date. Principal with respect to the Series 2001-D Certificates will be paid under the circumstances described in the Pooling and Servicing Agreement. 
 Unless the certificate of authentication hereon has been executed by or on behalf of the Trustee, by manual signature, this Investor Certificate shall
not be entitled to any benefit under the Pooling and Servicing Agreement, or be valid for any purpose. 
 This Investor Certificate shall
constitute a “security” within the meaning of (i) Article 8 of the Uniform Commercial Code (including Section 8-102(a)(15) thereof) as in effect from time to time in the State of Delaware and (ii) the Uniform Commercial Code
of any other applicable jurisdiction that presently or hereafter substantially includes the 1994 revisions to 
  

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

  

 A-2 

 Article 8 thereof as adopted by the American Law Institute and the National Conference of Commissioners on Uniform State
Laws and approved by the American Bar Association on February 14, 1995. 
 This Investor Certificate shall be governed by and construed
in accordance with the laws of the State of Delaware, without regard to conflict of law principles thereof. 
  

 A-3 

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

			
	By:	 	  

		 	Authorized Officer

  

	Date:	                         ,
         

  

 A-4 

 Form of Trustee’s Certificate of Authentication 
 CERTIFICATE OF AUTHENTICATION 
 This
is one of the Series 2001-D Certificates referred to in the within-mentioned Pooling and Servicing Agreement. 
  

			
	THE BANK OF NEW YORK,
	  Trustee
		
	By:	 	  

		 	Authorized Signatory

  

	Date:	                         ,
         

  

 A-5 

 EXHIBIT B 
 FORM OF MONTHLY PERFORMANCE STATEMENT AND NOTIFICATION 
 TO THE TRUSTEE 
 FIA CARD SERVICES, NATIONAL ASSOCIATION 
 BA MASTER CREDIT CARD TRUST II, SERIES 2001-D 
 MONTHLY PERIOD ENDING
                         ,          
 Capitalized terms used in this notice have their respective meanings set forth in the Pooling and Servicing Agreement. References herein to certain sections and
subsections are references to the respective sections and subsections of the Pooling and Servicing Agreement as supplemented by the Series 2001-D Supplement. This notice is delivered pursuant to Section 4.06. 
  

	 	A)	FIA Card Services, National Association is the Servicer under the Pooling and Servicing Agreement. 

  

	 	B)	The undersigned is a Servicing Officer. 

  

	 	C)	The date of this notice is on or before the related Transfer Date under the Pooling and Servicing Agreement. 

 I. INSTRUCTION TO MAKE A WITHDRAWAL 
 Pursuant to Section 4.06, the Servicer does hereby instruct the Trustee (i) to make withdrawals from the Finance Charge Account and the Principal Account on
                         ,         , which date is a Transfer Date
under the Pooling and Servicing Agreement, in aggregate amounts set forth below in respect of the following amounts and (ii) to apply the proceeds of such withdrawals in accordance with subsection 3(a) of the Series 2001-D Supplement and
Section 4.06 of the Pooling and Servicing Agreement: 
  

										
	 A.
	 	Pursuant to subsection 3(a) of the Series 2001-D Supplement:	  		
					
		 		  	1.	  	Servicer Interchange	  	$	                        
			
	 B.
	 	Pursuant to subsection 4.06(b)(ii):	  		
					
		 		  	1.	  	Amount to be treated as Shared Principal Collections	  	$	                        
			
	 C.
	 	Pursuant to subsection 4.06(b)(iii):	  		
					
		 		  	1.	  	Amount to be paid to the Holder of the Transferor Interest	  	$	                        
					
		 		  	2.	  	Unallocated Principal Collections	  	$	                        

  

 B-1 

										
	D.	 	Pursuant to subsection 4.06(c)(ii):	  		
					
		 		  	      1.	  	Amount to be paid to the Holder of the Transferor Interest	  	$	                        
					
		 		  	      2.	  	Unallocated Principal Collections	  	$	                        

 II. INSTRUCTION TO MAKE CERTAIN PAYMENTS 
 Pursuant to Section 4.06, the Servicer does hereby instruct the Trustee to pay in accordance with Section 5.01 to the account of the Certificate
Representative on                          ,         , which date is
a Transfer Date under the Pooling and Servicing Agreement, the amounts as set forth below: 
  

										
	A.	 	Pursuant to subsection 4.06(a):	  		
					
		 		  	      1.	  	Amount of Available Funds to be distributed to the Series 2001-D Certificateholders from the Finance Charge Account	  	$	                        
			
	B.	 	Pursuant to subsection 4.06(b)(i):	  		
					
		 		  	      1.	  	Series 2001-D Monthly Principal Payment to be distributed to the Series 2001-D Certificateholders from the Principal Account	  	$	                        
			
	C.	 	Pursuant to subsection 4.06(c)(i):	  		
					
		 		  	      1.	  	Amount to be distributed to the Series 2001-D Certificateholders from the Principal Account	  	$	                        

  

 B-2 

 IN WITNESS WHEREOF, the undersigned has duly executed this certificate this
    th day                          ,
        . 
  

			
	 FIA CARD SERVICES,
 NATIONAL
ASSOCIATION,
 Servicer

		
	By:	 	  

	Name:	 	
	Title:	 	

  

 B-3 

 EXHIBIT C 
 FORM OF MONTHLY SERIES 2001-D CERTIFICATEHOLDERS’ STATEMENT 
 Series 2001-D 
 FIA CARD SERVICES, NATIONAL ASSOCIATION 
  

 BA MASTER CREDIT CARD TRUST II 
  

 The information which is required to be prepared with respect to the Transfer Date of
                         ,          and with respect to the
performance of the Trust during the related Monthly Period. 
 Capitalized terms used in this Statement have their respective meanings set
forth in the Pooling and Servicing Agreement. 
  

										
	A.	  	Information Regarding the Current Monthly Distribution	  		
				
		  	1.	  	The amount of the current monthly distribution which constitutes Available Funds	  	$	                        
				
		  	2.	  	The amount of the current monthly distribution which constitutes Available Investor Principal Collections	  	$	                        
					
		  		  	Total	  		  	$	                        
			
	B.	  	Information Regarding the Performance of the Trust	  		
				
		  	1.	  	Collection of Principal Receivables	  		
					
		  		  	(a)	  	The aggregate amount of Collections of Principal Receivables processed during the related Monthly Period and allocated to Series 2001-D	  	$	                        
				
		  	2.	  	Collection of Finance Charge Receivables	  		
					
		  		  	(a)	  	The aggregate amount of Collections of Finance Charge Receivables processed during the related Monthly Period and allocated to Series 2001-D	  	$	                        

  

 C-1 

									
	3.	  	Principal Receivables in the Trust	  			
				
		  	(a)	  	The aggregate amount of Principal Receivables in the Trust as of the end of the day on the last day of the related Monthly Period	  	$	                          	 
				
		  	(b)	  	The amount of Principal Receivables in the Trust represented by the Investor Interest of Series 2001-D as of the end of the day on the last day of the related Monthly Period	  	$	                          	 
				
		  	(c)	  	The Floating Allocation Investor Interest as of the end of the day on the last day of the related Monthly Period	  	$	                          	 
				
		  	(d)	  	The Principal Allocation Investor Interest as of the end of the day on the last day of the related Monthly Period	  	$	                          	 
				
		  	(e)	  	The Floating Investor Percentage with respect to the related Monthly Period	  	 	            	%
				
		  		  	The Principal Investor Percentage with respect to the related Monthly Period	  	 	            	%
			
	4.	  	Shared Principal Collections	  			
			
		  	The aggregate amount of Shared Principal Collections applied as Available Investor Principal Collections......... 	  	$	                          	 
			
	5.	  	Delinquent Balances	  			
			
		  	The aggregate amount of outstanding balances in the Accounts which were delinquent as of the end of the day on the last day of the related Monthly Period:	  			

  

											
	                     Aggregate
                      Account 
                      Balance
	  	 	  	 	  	Percentage
of Total
Receivables	 
					
	 (a)
	 	 30       -      59 days:
	  		  	$	                        	  	            	%
					
	 (b)
	 	 60       -     89 days:
	  		  	$	                        	  	            	%
					
	 (c)
	 	 90       -     119 days:
	  		  	$	                        	  	            	%
					
	 (d)
	 	 120     -     149 days:
	  		  	$	                        	  	            	%
					
	 (e)
	 	 150     -     179 days:
	  		  	$	                        	  	            	%
	(f)	 	180     -    or more days:	  		  	$	                        	  	            	%
		 	 Total:
	  		  	$	                        	  	            	%

  

 C-2 

								
	 6.
	  	Investor Default Amount	  		
				
		  	(a)	  	The Aggregate Investor Default Amount for the related Monthly Period	  	$	                        
			
	 7.
	  	Investor Servicing Fee	  		
				
		  	(a)	  	The amount of the Investor Servicing Fee payable by the Trust to the Servicer for the related Monthly Period	  	$	                        
				
		  	(b)	  	The amount of the Net Servicing Fee payable by the Trust to the Servicer for the related Monthly Period	  	$	                        
				
		  	(c)	  	 The amount of the Servicer Interchange payable by the Trust to the Servicer for the related Monthly
 Period
	  	$	                        
			
	 8.
	  	Portfolio Yield	  		
				
		  	(a)	  	The Portfolio Yield for the related Monthly Period	  	$	                        

  

 C-3 

			
	FIA CARD SERVICES,
	NATIONAL ASSOCIATION,
	Servicer
		
	By:	 	  

	Name:	 	
	Title:	 	

  

 C-4 

 SCHEDULE TO EXHIBIT C 
 SCHEDULE TO MONTHLY SERVICER’S CERTIFICATE 
 MONTHLY PERIOD ENDING
                         ,          
 FIA CARD SERVICES, NATIONAL ASSOCIATION 
 BA MASTER CREDIT CARD TRUST II, SERIES 2001-D 
  

						
	1.	  	The aggregate amount of the Investor Percentage of Collections of Principal Receivables	  	$	                        
			
	2.	  	The aggregate amount of the Investor Percentage of Collections of Finance Charge Receivables (excluding Interchange)	  	$	                        
			
	3.	  	The aggregate amount of the Investor Percentage of Interchange	  	$	                        
			
	4.	  	The aggregate amount of Servicer Interchange	  	$	                        
			
	5.	  	The aggregate amount of funds on deposit in Finance Charge Account allocable to the Series 2001-D Certificates	  	$	                        
			
	6.	  	The aggregate amount of funds on deposit in the Principal Account allocable to the Series 2001-D Certificates	  	$	                        
			
	7.	  	The amount of Available Funds payable to the Series 2001-D Certificateholders	  	$	                        
			
		  	a. The amount of Principal Account Investment Proceeds	  	$	                        
			
		  	b. The amount of Finance Charge Account Investment Proceeds	  	$	                        
			
	8.	  	The amount of Available Investor Principal Collections payable to the Series 2001-D Certificateholders	  	$	                        
			
	9.	  	The sum of all amounts payable to the Series 2001-D Certificateholders	  	$	                        
			
	10.	  	To the knowledge of the undersigned, no Series 2001-D Pay Out Event or Trust Pay Out Event has occurred except as described below:	  		
			
		  	 None.
	  		

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

			
	FIA CARD SERVICES,
	 NATIONAL ASSOCIATION,
 as
Servicer

		
	By:	 	  

	Name:	 	
	Title:	 	

 EXHIBIT D 
 FORM OF ANNUAL CERTIFICATION 
  

	 	Re:	The Second Amended and Restated Series 2001-D Supplement to the Second Amended and Restated Pooling and Servicing Agreement, each dated as of October 20, 2006, each as amended,
supplemented or otherwise modified from time to time (collectively, the “Agreement”), each among FIA Card Services, National Association (formerly known as MBNA America Bank, National Association), as servicer (the “Servicer”),
BA Credit Card Funding, LLC, as transferor (the “Transferor”), and The Bank of New York, as trustee. 

 I,
                                        
                                    , the
                                        
                                     of [name of trustee or
servicer] (the “Company”), certify to the Transferor, the Servicer and their respective officers, with the knowledge and intent that they will rely upon this certification, that: 
 (1) I have reviewed the report on assessment of the Company’s compliance provided in accordance with Rules 13a-18 and 15d-18 under
the Securities Exchange Act of 1934, as amended (the “Exchange Act”) and Item 1122 of Regulation AB (the “Company Information”), and the registered public accounting firm’s attestation report provided in accordance with
Rules 13a-18 and 15d-18 under the Exchange Act and Section 1122(b) of Regulation AB that were delivered by the Company to the Transferor and the Servicer pursuant to the Agreement; 
 (2) To the best of my knowledge, the Company Information, taken as a whole, does not contain any untrue statement of a material fact or
omit to state a material fact necessary to make the statements made, in the light of the circumstances under which such statements were made, not misleading with respect to the period of time covered by the Company Information; 
 (3) To the best of my knowledge, all of the Company Information required to be provided by the Company under the Agreement has been
provided to the Transferor [and the Servicer]; and 
 (4) To the best of my knowledge, except as disclosed in the reports
discussed in clause (1) above, the Company has fulfilled its obligations under the Agreement. 
  

			
	Date:
                                
		
	By:	 	  

	Name:	 	
	Title:	 	

  

 D-1 

 EXHIBIT E 
 SERVICING CRITERIA TO BE ADDRESSED IN ASSESSMENT OF COMPLIANCE 
 The assessment of compliance to be
delivered by the [Servicer] [Trustee] shall address, at a minimum, the criteria identified as below as “Applicable Servicing Criteria”: 
 [to be updated for criteria applicable to the Servicer] 
  

					
	 Servicing
Criteria
	  	Applicable
Servicing Criteria
	 Reference
	  	Criteria	  	
			
		  	General Servicing Considerations	  	
			
	 1122(d)(1)(i)
	  	Policies and procedures are instituted to monitor any performance or other triggers and events of default in accordance with the transaction agreements.	  	Servicer
			
	 1122(d)(1)(ii)
	  	If any material servicing activities are outsourced to third parties, policies and procedures are instituted to monitor the third party’s performance and compliance with such servicing
activities.	  	Servicer
			
	 1122(d)(1)(iii)
	  	Any requirements in the transaction agreements to maintain a back-up servicer for the credit card accounts or accounts are maintained.	  	
			
	 1122(d)(1)(iv)
	  	A fidelity bond and errors and omissions policy is in effect on the party participating in the servicing function throughout the reporting period in the amount of coverage required by and
otherwise in accordance with the terms of the transaction agreements.	  	Servicer
			
		  	Cash Collection and Administration	  	
			
	 1122(d)(2)(i)
	  	Payments on credit card accounts are deposited into the appropriate custodial bank accounts and related bank clearing accounts no more than two business days following receipt, or such other
number of days specified in the transaction agreements.	  	Servicer, Trustee
			
	 1122(d)(2)(ii)
	  	Disbursements made via wire transfer on behalf of an obligor or to an investor are made only by authorized personnel.	  	Trustee
			
	 1122(d)(2)(iii)
	  	Advances of funds or guarantees regarding collections, cash flows or distributions, and any interest or other fees charged for such advances, are made, reviewed and approved as specified in the
transaction agreements.	  	
			
	 1122(d)(2)(iv)
	  	The related accounts for the transaction, such as cash reserve accounts or accounts established as a form of overcollateralization, are separately maintained (e.g., with respect to commingling
of cash) as set forth in the transaction agreements.	  	Servicer, Trustee
			
	 1122(d)(2)(v)
	  	Each custodial account is maintained at a federally insured depository institution as set forth in the transaction agreements. For purposes of this criterion, “federally insured depository
institution” with respect to a foreign financial institution means a foreign financial institution that meets the requirements of Rule 13k-1(b)(1) of the Securities Exchange Act.	  	Servicer, Trustee
			
	 1122(d)(2)(vi)
	  	Unissued checks are safeguarded so as to prevent unauthorized access.	  	
			
	 1122(d)(2)(vii)
	  	Reconciliations are prepared on a monthly basis for all asset-backed securities related bank accounts, including custodial accounts and related bank clearing accounts. These reconciliations are
(A) mathematically accurate; (B) prepared within 30 calendar days after the bank statement cutoff date, or such other number of days specified in the transaction agreements; (C) reviewed and approved by someone other than the person who prepared the
reconciliation; and (D) contain explanations for reconciling items. These reconciling items are resolved within 90 calendar days of their original identification, or such other number of days specified in the transaction agreements.	  	

  

 E-1 

					
	 Servicing
Criteria
	  	Applicable
Servicing Criteria
	 Reference
	  	Criteria	  	
			
		  	Investor Remittances and Reporting	  	
			
	1122(d)(3)(i)	  	Reports to investors, including those to be filed with the Commission, are maintained in accordance with the transaction agreements and applicable Commission requirements. Specifically, such
reports (A) are prepared in accordance with timeframes and other terms set forth in the transaction agreements; (B) provide information calculated in accordance with the terms specified in the transaction agreements; (C) are filed with the
Commission as required by its rules and regulations; and (D) agree with investors’ or the trustee’s records as to the total unpaid principal balance and number of credit card accounts serviced by the Servicer.	  	Servicer
			
	1122(d)(3)(ii)	  	Amounts due to investors are allocated and remitted in accordance with timeframes, distribution priority and other terms set forth in the transaction agreements.	  	Servicer, Trustee
			
	1122(d)(3)(iii)	  	Disbursements made to an investor are posted within two business days to the Servicer’s investor records, or such other number of days specified in the transaction agreements.	  	Trustee
			
	1122(d)(3)(iv)	  	Amounts remitted to investors per the investor reports agree with cancelled checks, or other form of payment, or custodial bank statements.	  	Servicer, Trustee
			
		  	Pool Asset Administration	  	
			
	1122(d)(4)(i)	  	Collateral or security on credit card accounts is maintained as required by the transaction agreements or related asset pool documents.	  	
			
	1122(d)(4)(ii)	  	Account and related documents are safeguarded as required by the transaction agreements	  	Servicer, Trustee
			
	1122(d)(4)(iii)	  	Any additions, removals or substitutions to the asset pool are made, reviewed and approved in accordance with any conditions or requirements in the transaction agreements.	  	Servicer
			
	1122(d)(4)(iv)	  	Payments on credit card accounts, including any payoffs, made in accordance with the related credit card accounts documents are posted to the Servicer’s obligor records maintained no more
than two business days after receipt, or such other number of days specified in the transaction agreements, and allocated to principal, interest or other items (e.g., escrow) in accordance with the related asset pool documents.	  	Servicer
			
	1122(d)(4)(v)	  	The Servicer’s records regarding the accounts and the accounts agree with the Servicer’s records with respect to an obligor’s unpaid principal balance.	  	Servicer
			
	1122(d)(4)(vi)	  	Changes with respect to the terms or status of an obligor’s account (e.g., loan modifications or re-agings) are made, reviewed and approved by authorized personnel in accordance with the
transaction agreements and related pool asset documents.	  	Servicer
			
	1122(d)(4)(vii)	  	Loss mitigation or recovery actions (e.g., forbearance plans, modifications and deeds in lieu of foreclosure, foreclosures and repossessions, as applicable) are initiated, conducted and
concluded in accordance with the timeframes or other requirements established by the transaction agreements.	  	Servicer
			
	1122(d)(4)(viii)	  	Records documenting collection efforts are maintained during the period a Account is delinquent in accordance with the transaction agreements. Such records are maintained on at least a monthly
basis, or such other period specified in the transaction agreements, and describe the entity’s activities in monitoring delinquent Accounts including, for example, phone calls, letters and payment rescheduling plans in cases where delinquency
is deemed temporary (e.g., illness or unemployment).	  	Servicer
			
	1122(d)(4)(ix)	  	Adjustments to interest rates or rates of return for Accounts with variable rates are computed based on the related Account documents.	  	Servicer

  

 E-2 

					
	 Servicing
Criteria
	  	Applicable
Servicing Criteria
	 Reference
	  	Criteria	  	
			
	 1122(d)(4)(x)
	  	Regarding any funds held in trust for an obligor (such as escrow accounts): (A) such funds are analyzed, in accordance with the obligor’s Account documents, on at least an annual basis, or
such other period specified in the transaction agreements; (B) interest on such funds is paid, or credited, to obligors in accordance with applicable Account documents and state laws; and (C) such funds are returned to the obligor within 30 calendar
days of full repayment of the related Accounts, or such other number of days specified in the transaction agreements.	  	
			
	 1122(d)(4)(xi)
	  	Payments made on behalf of an obligor (such as tax or insurance payments) are made on or before the related penalty or expiration dates, as indicated on the appropriate bills or notices for such
payments, provided that such support has been received by the servicer at least 30 calendar days prior to these dates, or such other number of days specified in the transaction agreements.	  	
			
	 1122(d)(4)(xii)
	  	Any late payment penalties in connection with any payment to be made on behalf of an obligor are paid from the servicer’s funds and not charged to the obligor, unless the late payment was
due to the obligor’s error or omission.	  	
			
	 1122(d)(4)(xiii)
	  	Disbursements made on behalf of an obligor are posted within two business days to the obligor’s records maintained by the servicer, or such other number of days specified in the transaction
agreements.	  	
			
	 1122(d)(4)(xiv)
	  	Delinquencies, charge-offs and uncollectible accounts are recognized and recorded in accordance with the transaction agreements.	  	Servicer
			
	 1122(d)(4)(xv)
	  	Any external enhancement or other support, identified in Item 1114(a)(1) through (3) or Item 1115 of Regulation AB, is maintained as set forth in the transaction agreements.	  	Servicer

  

			
	[THE BANK OF NEW YORK,
	as Trustee]
	
	 [FIA CARD SERVICES, NATIONAL ASSOCIATION,
 as
Servicer]

	
	Date:
                                
		
	By:	 	  

	Name:	 	
	Title:	 	

  

 E-3Exhibit 4.5

 Exhibit 4.5 
 EXECUTION COPY 
  

 BA CREDIT CARD TRUST 
 THIRD AMENDED AND RESTATED TRUST AGREEMENT 
 dated as of October 20, 2006 
 between

 BA CREDIT CARD FUNDING, LLC, 
 as Beneficiary and as Transferor, 
 and 
 WILMINGTON TRUST COMPANY, 
 as Owner Trustee 
  

 TABLE OF CONTENTS 
  

							
	 	 	 	  	Page
		 	ARTICLE I	  	
		 	DEFINITIONS	  	
				
		 	Section 1.01.	  	Definitions	  	1
		 	Section 1.02.	  	Generic Terms	  	5
			
		 	ARTICLE II	  	
		 	ORGANIZATION; DECLARATION OF TRUST BY THE OWNER TRUSTEE; COLLATERAL CERTIFICATE	  	
				
		 	Section 2.01.	  	Continuation of Trust; Name	  	5
		 	Section 2.02.	  	Transfer of Property to Trust; Initial Capital Contribution of Trust Estate	  	5
		 	Section 2.03.	  	Purposes and Powers; Trust To Operate as a Single Purpose Entity	  	6
		 	Section 2.04.	  	Appointment of Owner Trustee	  	8
		 	Section 2.05.	  	Declaration of Trust	  	8
		 	Section 2.06.	  	Title to Trust Estate	  	9
		 	Section 2.07.	  	Nature of Interest in the Trust Estate	  	9
		 	Section 2.08.	  	Continuation of Trust; Principal Office of Owner Trustee	  	9
		 	Section 2.09.	  	Tax Matters	  	9
		 	Section 2.10.	  	Fiscal Year	  	9
		 	Section 2.11.	  	Transfer of Collateral Certificate	  	9
		 	Section 2.12.	  	Closing	  	10
		 	Section 2.13.	  	Books and Records	  	10
		 	Section 2.14.	  	Series 2001-D Certificateholder	  	10
		 	Section 2.15.	  	Representations and Warranties of the Transferor	  	11
		 	Section 2.16.	  	Protection of Title to Collateral Certificate	  	12
		 	Section 2.17.	  	Assignment to Indenture Trustee	  	13
		 	Section 2.18.	  	Merger or Consolidation of, or Assumption of the Obligations of, Transferor	  	13
		 	Section 2.19.	  	Limitation on Liability of Transferor and Others	  	14
			
		 	ARTICLE III	  	
		 	REPRESENTATIONS AND WARRANTIES OF THE BENEFICIARY	  	
				
		 	Section 3.01.	  	Representations and Warranties of the Beneficiary	  	14

  

 -i- 

 TABLE OF CONTENTS 
 (continued) 
  

							
	 	 	 	  	Page
		 	ARTICLE IV	  	
		 	DISTRIBUTIONS OF FUNDS	  	
				
		 	Section 4.01.	  	Distribution of Funds	  	15
		 	Section 4.02.	  	Payments from Trust Estate Only	  	15
		 	Section 4.03.	  	Method of Payment	  	16
		 	Section 4.04.	  	Establishment of Account	  	16
			
		 	ARTICLE V	  	
		 	DUTIES OF THE OWNER TRUSTEE	  	
				
		 	Section 5.01.	  	Action Upon Instructions	  	16
		 	Section 5.02.	  	No Duty to Act Under Certain Circumstances	  	17
		 	Section 5.03.	  	No Duties Except Under Specified Agreements or Instructions	  	17
		 	Section 5.04.	  	Trust Operation	  	18
		 	Section 5.05.	  	Execution of Documents	  	19
		 	Section 5.06.	  	Nonpetition Covenants	  	19
			
		 	ARTICLE VI	  	
		 	CONCERNING THE TRUSTEE BANK	  	
				
		 	Section 6.01.	  	Acceptance of Trust and Duties	  	19
		 	Section 6.02.	  	Furnishing of Documents	  	20
		 	Section 6.03.	  	Representations and Warranties as to the Trust Estate	  	21
		 	Section 6.04.	  	Signature of Returns	  	21
		 	Section 6.05.	  	Reliance; Advice of Counsel	  	21
		 	Section 6.06.	  	Not Acting in Individual Capacity	  	21
		 	Section 6.07.	  	Representations and Warranties	  	21
			
		 	ARTICLE VII	  	
		 	TERMINATION OF TRUST AGREEMENT	  	
				
		 	Section 7.01.	  	Termination of Trust Agreement	  	22
			
		 	ARTICLE VIII	  	
		 	SUCCESSOR OWNER TRUSTEES, CO-TRUSTEES AND SEPARATE OWNER TRUSTEES	  	
				
		 	Section 8.01.	  	Resignation and Removal of the Owner Trustee; Appointment of Successors	  	23
		 	Section 8.02.	  	Transfer Procedures	  	23

  

 -ii- 

 TABLE OF CONTENTS 
 (continued) 
  

							
	 	 	 	  	 	  	Page
		 	Section 8.03.	  	Qualification of Owner Trustee	  	23
		 	Section 8.04.	  	Co-trustees and Separate Owner Trustees	  	24
			
		 	ARTICLE IX	  	
		 	AMENDMENTS	  	
				
		 	Section 9.01.	  	Amendments	  	24
			
		 	ARTICLE X	  	
		 	OWNERSHIP INTERESTS AND CERTIFICATES	  	
				
		 	Section 10.01.	  	Issuance of Trust Certificates	  	25
		 	Section 10.02.	  	Beneficial Interest; Prohibitions on Transfer	  	26
		 	Section 10.03.	  	Lost or Destroyed Trust Certificate	  	27
			
		 	ARTICLE XI	  	
		 	COMPENSATION OF TRUSTEE BANK AND INDEMNIFICATION	  	
				
		 	Section 11.01.	  	Trustee Bank Fees and Expenses	  	27
		 	Section 11.02.	  	Indemnification	  	27
			
		 	ARTICLE XII	  	
		 	MISCELLANEOUS	  	
				
		 	Section 12.01.	  	Conveyance by the Owner Trustee is Binding	  	28
		 	Section 12.02.	  	Instructions; Notices	  	28
		 	Section 12.03.	  	Severability	  	29
		 	Section 12.04.	  	Limitation of Liability	  	30
		 	Section 12.05.	  	Separate Counterparts	  	30
		 	Section 12.06.	  	Successors and Assigns	  	30
		 	Section 12.07.	  	Headings	  	30
		 	Section 12.08.	  	Governing Law	  	30
		 	Section 12.09.	  	No Recourse	  	30
		 	Section 12.10.	  	Acceptance of Terms of Agreement	  	31
			
		 	ARTICLE XIII	  	
		 	COMPLIANCE WITH REGULATION AB	  	
				
		 	Section 13.01.	  	Intent of the Parties; Reasonableness	  	31
		 	Section 13.02.	  	Information to be Provided by the Trustee Bank	  	32

  

 -iii- 

 EXHIBITS 
  

							
	 	  	 	  	 	  	Page
		  	EXHIBIT A	  	[FORM OF] TRUST CERTIFICATE	  	A-1

  

 -iv- 

 THIS BA CREDIT CARD TRUST THIRD AMENDED AND RESTATED TRUST AGREEMENT, between BA CREDIT CARD FUNDING,
LLC, a Delaware limited liability company (“Funding”), as Beneficiary and as Transferor, and WILMINGTON TRUST COMPANY, a Delaware banking corporation, as owner trustee (the “Owner Trustee”), is made and entered into
as of October 20, 2006, and is acknowledged and accepted by the Trust (as hereinafter defined) and FIA (as hereinafter defined). 
 WHEREAS, MBNA America Bank, National Association (“MBNA”) (as predecessor to FIA Card Services, National Association) and the Owner Trustee have heretofore created a statutory trust pursuant to the Delaware Statutory Trust
Act (as hereinafter defined) by filing the Certificate of Trust (as hereinafter defined) with the office of the Secretary of State (as hereinafter defined) on May 4, 2001, and entering into a Trust Agreement, dated as of May 4, 2001 (as
amended prior to May 24, 2001, the “Original Trust Agreement”); 
 WHEREAS, MBNA and the Owner Trustee have heretofore
entered into an Amended and Restated Trust Agreement, dated as of May 24, 2001 (as amended prior to June 10, 2006, the “First Amended and Restated Trust Agreement”), which amended and restated the Original Trust Agreement;

 WHEREAS, MBNA changed its name from MBNA America Bank, National Association to FIA Card Services, National Association (“FIA”),
effective as of June 10, 2006, and FIA and the Owner Trustee have heretofore entered into a Second Amended and Restated Trust Agreement, dated as of June 10, 2006 (as amended prior to October 20, 2006, the “Second Amended and
Restated Trust Agreement”), which amended and restated the First Amended and Restated Trust Agreement; 
 WHEREAS, FIA, as
Beneficiary and Transferor under the Second Amended and Restated Trust Agreement, has determined to substitute BA Credit Card Funding, LLC, a Delaware limited liability company and affiliate of FIA, in the place of FIA as the Beneficiary and
Transferor under the Second Amended and Restated Trust Agreement; and 
 WHEREAS, Funding and the Owner Trustee desire to continue the Trust
(as hereinafter defined) as a statutory trust under the Delaware Statutory Trust Act and to amend and restate the Second Amended and Restated Trust Agreement in its entirety to provide for the substitution of Funding for FIA in its capacity as
Beneficiary and Transferor under the Second Amended and Restated Agreement. 
 NOW, THEREFORE, in consideration of the mutual agreements
herein contained and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally bound hereby, agree as follows: 
 ARTICLE I 
 DEFINITIONS

 Section 1.01. Definitions. Capitalized terms used herein and not defined herein have the meaning assigned to them in the
Series 2001-D Supplement or the Pooling and 
  

 1 

 Servicing Agreement. For purposes of this Agreement, the following terms have the following meanings: 
 “Agreement” means this BA Credit Card Trust Third Amended and Restated Trust Agreement, as the same may be amended, modified or
supplemented from time to time. 
 “Beneficiary” means Funding, as beneficial owner of the Trust, and each Permitted
Affiliate Transferee and other transferee under Section 10.02. 
 “Beneficiary Trust Account” means the account
established by the Owner Trustee on behalf of the Trust in accordance with Section 4.04. 
 “Certificate of
Trust” shall mean the Amended and Restated Certificate of Trust filed on behalf of the Trust with the Secretary of State on June 10, 2006, and any and all amendments thereto and restatements thereof filed on behalf of the Trust with
the Secretary of State. 
 “Code” means the Internal Revenue Code of 1986, as it may be amended from time to time.

 “Collateral Certificate” means the Series 2001-D Certificate issued pursuant to the Pooling and Servicing Agreement and
the Series 2001-D Supplement, as amended, supplemented, restated or otherwise modified from time to time. 
 “Commission” is
defined in Section 13.01. 
 “Delaware Statutory Trust Act” means the Delaware Statutory Trust Act,
12 Del.C. §§ 3801, et seq., as amended from time to time, and any successor statute thereto. 
 “Deliveries” is defined in Section 12.02. 
 “Disqualification Event” with respect to
the Owner Trustee means (a) the bankruptcy, insolvency or dissolution of the Owner Trustee, (b) the occurrence of the date of resignation of the Owner Trustee, as set forth in a notice of resignation given pursuant to
Section 8.01, or (c) the delivery to the Owner Trustee of the instrument or instruments of removal referred to in Section 8.01 (or, if such instruments specify a later effective date of removal, the occurrence of such
later date), or (d) failure of the Owner Trustee to qualify under the requirements of Section 8.03. 
 “Exchange
Act” means the Securities Exchange Act of 1934, as amended. 
 “FIA” means FIA Card Services, National Association
(formerly known as MBNA America Bank, National Association), a national banking association, and its successors and any corporation resulting from or surviving any consolidation or merger to which it or its successors may be a party. 
 “Funding” means BA Credit Card Funding, LLC, a Delaware limited liability company, and its successors and any entity resulting from or
surviving any consolidation or merger to which it or its successors may be a party. 
  

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 “Governmental Authority” means the United States of America, any state or other
political subdivision thereof and any entity exercising executive, legislative, judicial, regulatory or administrative functions of or pertaining to government. 
 “Indemnified Person” is defined in Section 11.02. 
 “Indenture” means the Second Amended and Restated Indenture between the Trust and the Indenture Trustee, which by its terms is identified as being the Indenture referred to herein, as amended, restated, supplemented or
otherwise modified from time to time. 
 “Indenture Collateral” is defined in Section 2.11(b). 
 “Indenture Trustee” means The Bank of New York as trustee under the Indenture, and each successor trustee under the Indenture.

 “Master Trust” means BA Master Credit Card Trust II (formerly known as MBNA Master Credit Card Trust II). 
 “Master Trust Trustee” means The Bank of New York as trustee under the Pooling and Servicing Agreement and each successor trustee under
the Pooling and Servicing Agreement. 
 “Note” is defined in the Indenture. 
 “Noteholder” is defined in the Indenture. 
 “Note Rating Agency” is defined in the Indenture. 
 “Owner Trustee” means
Wilmington Trust Company, a Delaware banking corporation, not in its individual capacity but solely in its capacity as owner trustee hereunder, and each successor trustee under Article VIII, in its capacity as owner trustee hereunder, and
each co-trustee under and to the extent provided in Section 8.04, in its capacity as owner trustee hereunder. 
 “Ownership Interest” means the Ownership Interest issued by the Trust hereunder with the rights and privileges set forth in Section 10.01. 
 “Person” means any individual, corporation, partnership (general or limited), limited liability company, joint venture, association,
joint-stock company, trust, unincorporated organization, governmental entity or other person or entity. 
 “Periodic Filing”
means any filing or submission that the Trust is required to make with any federal, state or local authority or regulatory agency. 
 “Permitted Affiliate Transferee” is defined in Section 10.02. 
 “Pooling and Servicing
Agreement” means the Second Amended and Restated Pooling and Servicing Agreement, dated as of October 20, 2006, among Funding, as Transferor, FIA, as Servicer, and The Bank of New York, as trustee, as amended, restated, supplemented or
otherwise modified from time to time, including as supplemented by the Series 2001-D Supplement. 
  

 3 

 “Regulation AB” means Subpart 229.1100 – Asset Backed Securities (Regulation AB),
17 C.F.R. §§229.1100-229.1123, as such may be amended from time to time, and subject to such clarification and interpretation as have been provided by the Commission in the adopting release (Asset-Backed Securities, Securities Act Release
No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (January 7, 2005)) or by the staff of the Commission, or as may be provided by the Commission or its staff from time to time. 
 “Requirements of Law” shall mean, for any Person, the certificate of incorporation or articles of association and by-laws or other organizational or governing documents of such Person, and any law,
treaty, rule or regulation, or determination of an arbitrator or Governmental Authority, in each case applicable to or binding upon such Person or to which such Person is subject, whether federal, state or local (including without limitation, usury
laws, the Federal Truth in Lending Act and Regulation Z and Regulation B of the Board of Governors of the Federal Reserve System). 
 “Secretary of State” means the Office of the Secretary of State of the State of Delaware. 
 “Securities
Act” means the Securities Act of 1933, as amended. 
 “Securitization Transaction” means any transaction involving
a new issuance of notes pursuant to the Indenture, whether publicly offered or privately placed, rated or unrated. 
 “Series 2001-D
Supplement” means the Second Amended and Restated Series 2001-D Supplement, relating to the Pooling and Servicing Agreement, which by its terms is identified as being the Series 2001-D Supplement referred to herein, as amended, restated,
supplemented or otherwise modified from time to time. 
 “Transaction Documents” mean the Indenture, any Indenture
Supplement (as defined in the Indenture) thereto, any terms document (as defined in the Indenture), the Trust Certificate, the Certificate of Trust and other documents delivered in connection herewith and therewith. 
 “Transferor” means Funding and its successors and assigns. 
 “Transferor Interest” is defined in the Pooling and Servicing Agreement. 
 “Trust” means BA Credit Card Trust (formerly known as MBNA Credit Card Master Note Trust), the statutory trust heretofore formed and
continued under and pursuant to the Delaware Statutory Trust Act and this Agreement. 
 “Trust Certificate” is defined in
Section 10.01. 
 “Trust Estate” is defined in Section 2.05. 
 “Trustee Bank” means Wilmington Trust Company in its individual capacity, each bank appointed as successor Owner Trustee under
Article VIII in its individual capacity and each bank appointed as co-trustee under and to the extent provided in Section 8.04 in its individual capacity. 
  

 4 

 “UCC” means the Uniform Commercial Code of the State of Delaware and any other
applicable jurisdiction. 
 Section 1.02. Generic Terms. (a) The terms “hereby,” “hereof,”
“hereto,” “herein,” “hereunder” and any similar terms will refer to this Agreement. 
 (b) Unless otherwise
indicated in context, the terms “Section,” “Exhibit” or “Schedule” will refer to a Section of, or an Exhibit or Schedule to, this Agreement. 
 (c) Words of the masculine, feminine or neuter gender mean and include the correlative words of other genders, and words importing the singular number mean and include the plural number and vice versa. 
 (d) The terms “include,” “including” and similar terms will be construed as if followed by the phrase “without limitation.”

 (e) All terms defined in this Agreement will have the defined meanings when used in any certificate or other document made or delivered
pursuant hereto or in connection herewith unless otherwise defined therein. 
 (f) Any agreement, instrument or statute defined or referred
to herein or in any certificate or other document made or delivered pursuant hereto or in connection herewith means such agreement, instrument or statute as from time to time amended, modified or supplemented and includes (in the case of agreements
or instruments) references to all attachments thereto and instruments incorporated therein; references to a Person are also to its permitted successors and assigns. 
 ARTICLE II 
 ORGANIZATION; 
 DECLARATION OF TRUST BY THE OWNER TRUSTEE; 
 COLLATERAL CERTIFICATE

 Section 2.01. Continuation of Trust; Name. The Trust heretofore created and continued hereby was formerly named “MBNA
Credit Card Master Note Trust”, and was renamed “BA Credit Card Trust” effective as of June 10, 2006, under which name the Owner Trustee or the Beneficiary may conduct any activities and business of the Trust contemplated hereby,
execute contracts and other instruments on behalf of the Trust and sue and be sued on behalf of the Trust. 
 Section 2.02. Transfer
of Property to Trust; Initial Capital Contribution of Trust Estate. FIA, as the initial beneficiary of the Trust, has sold, assigned, granted and transferred over to the Owner Trustee, as of the date of the Original Trust Agreement, $1.00. The
Owner Trustee hereby acknowledges receipt in trust, as of the date of the Original Trust Agreement, of the foregoing contribution, which constituted the initial Trust Estate. 
  

 5 

 Section 2.03. Purposes and Powers; Trust To Operate as a Single Purpose Entity. (a) The
purpose of the Trust is to engage solely in a program of acquiring interests in the Master Trust and issuing Notes under the Indenture and related activities. Without limiting the generality of the foregoing, the Trust may and shall have the power
and authority to: 
 (i) acquire the Collateral Certificate, and other certificates of beneficial interest, of the Master Trust; 

(ii) from time to time, grant a security interest in the Collateral Certificate or other beneficial interests in the Master Trust, including the
pledge of any portion of the Investor Interest of the Collateral Certificate, and grant a security interest in accounts established for the benefit of indebtedness of the Trust under the Indenture; 
 (iii) from time to time authorize and approve the issuance of Notes pursuant to the Indenture without limitation to aggregate amounts and, in connection
therewith, determine the terms and provisions of such Notes and of the issuance and sale thereof, including the following: 
 (A) determining
the principal amount of the Notes; 
 (B) determining the maturity date of the Notes; 
 (C) determining the rate of interest, if any, to be paid on the Notes; 
 (D) determining the price or prices at which such Notes will be sold by the Trust; 
 (E) determining the
provisions, if any, for the redemption of such Notes; 
 (F) determining the form, terms and provisions of the indentures, fiscal agency
agreements or other instruments under which the Notes may be issued and the banks or trust companies to act as trustees, fiscal agents and paying agents thereunder; 
 (G) preparing and filing all documents necessary or appropriate in connection with the registration of the Notes under the Securities Act of 1933, the qualification of indentures under the Trust Indenture Act of 1939
and the qualification under any other applicable federal, foreign, state, local or other governmental requirements; 
 (H) preparing any
prospectus, offering memorandum, private placement memorandum or other descriptive material relating to the issuance of the Notes; 
 (I)
listing the Notes on any United States or non-United States securities exchange; 
 (J) entering into one or more interest rate or currency
swaps, caps, collars, guaranteed investment contracts or other derivative agreements with counterparties to manage interest rate or currency risk relating to the Notes; 
  

 6 

 (K) appointing a paying agent or agents for purposes of payments on the Notes; and 
 (L) arranging for the underwriting, subscription, purchase or placement of the Notes and selecting underwriters, managers, dealers and purchasers or
agents for that purpose; 
 (iv) from time to time receive payments and proceeds with respect to the Collateral Certificate and other
certificates of beneficial interest in the Master Trust and the Indenture and either invest or distribute those payments and proceeds; 
 (v)
from time to time make deposits to and withdrawals from accounts established under the Indenture; 
 (vi) from time to time make and receive
payments pursuant to derivative agreements; 
 (vii) from time to time make payments on the Notes; 
 (viii) from time to time acquire additional collateral from Funding or any special purpose vehicle established by Funding; 
 (ix) from time to time perform such obligations and exercise and enforce such rights and pursue such remedies as may be appropriate by virtue of the
Trust being party to any of the agreements contemplated in clauses (i) through (viii) above; and 
 (x) subject to compliance with
the Transaction Documents, to engage in such other activities as may be required or convenient in connection with conservation of the Trust Estate and the making of payments to the Noteholders and distributions to the Transferor, which activities
shall not be contrary to the status of the Trust as a qualified special purpose entity. 
 In connection with any of the foregoing, the Trust may
(x) execute and deliver, and/or accept, such instruments, agreements, certificates, Uniform Commercial Code financing statements and other documents, and create such security interests, as may be necessary or desirable in connection therewith,
and (y) subject to the terms of this Agreement, take such other action as may be necessary or incidental to the foregoing. 
 (b) Each
of the Beneficiary, on behalf of the Trust, and the Owner Trustee, at the written direction of the Beneficiary and on behalf of the Trust, is hereby authorized and shall have the power to execute and deliver from time to time loan agreements,
underwriting agreements, terms agreements, selling agent agreements, purchase agreements, private placement agreements, dealer agreements, swap and other derivative agreements, including performance agreements, indentures, indenture supplements,
terms documents, notes, security agreements, and other agreements and instruments as are consistent with the purposes of the Trust. Without limiting the generality of the foregoing, each of the Beneficiary, on behalf of the Trust, and the Owner
Trustee, at the written direction of the Beneficiary and on behalf of the Trust, is specifically authorized to execute and deliver without any further act, vote or approval, and notwithstanding any other provision of this Agreement, the Delaware
Statutory Trust Act or 
  

 7 

 other applicable law, rule or regulation, agreements, documents or securities relating to the purposes of the Trust
including: 
 (i) the Transaction Documents and each Issuer Certificate (each as defined in the Indenture); 
 (ii) the Notes; 
 (iii) each interest rate
or currency swap, cap, collar, guaranteed investment contract or other derivative agreement, including agreements related thereto, between the Trust and a counterparty to manage interest rate or currency risk relating to the Notes; and 

(iv) any other document necessary or desirable in connection with the fulfillment of the purposes of the Trust described in, and pursuant to,
Section 2.03(a). 
 The authorization set forth in the preceding sentence will not be deemed a restriction on the power and authority of the
Beneficiary and the Owner Trustee, on behalf of the Trust, to execute and deliver other agreements, documents instruments and securities or to take other actions on behalf of the Trust in connection with the fulfillment of the purposes of the Trust
described in, and pursuant to, Section 2.03(a). 
 (c) Each of the Beneficiary, on behalf of the Trust, and the Owner Trustee, at
the written direction of the Beneficiary and on behalf of the Trust, is hereby authorized and shall have the power to execute and file any Periodic Filings on behalf of the Trust. 
 (d) Either the Owner Trustee or the Beneficiary will at all times maintain the books, records and accounts of the Trust separate and apart from those of
any other Person, and will cause the Trust to hold itself out as being a Person separate and apart from any other Person. 
 (e) The Trust
will not engage in any business or own any assets unrelated to the purposes of the Trust. 
 Section 2.04. Appointment of Owner
Trustee. The Beneficiary hereby confirms and ratifies the appointment of Wilmington Trust Company as Owner Trustee of the Trust effective as of the date of the Original Trust Agreement, to have all the rights, powers and duties set forth herein
and in the Delaware Statutory Trust Act. 
 Section 2.05. Declaration of Trust. The Owner Trustee hereby declares that it will
hold the initial Trust Estate, the Collateral Certificate and the other documents and assets described in Section 2.03, together with any payments, proceeds or income of any kind from such documents or assets or any other source and any
other property held under this Agreement (collectively, the “Trust Estate”), upon the trust set forth herein and for the sole use and benefit of the Beneficiary. It is the intention of the parties hereto that the Trust constitute a
statutory trust under the Delaware Statutory Trust Act and that this Agreement constitute the governing instrument of such statutory trust. The parties hereto agree that they will take no action contrary to the foregoing intention. Effective as of
the date of the Original Trust Agreement, the Owner Trustee shall have all rights, powers and duties set forth herein and, to the extent not inconsistent herewith, in the Delaware Statutory Trust Act with respect to accomplishing the purposes of the
Trust. 

 8 

 Section 2.06. Title to Trust Estate. Title to all of the Trust Estate will be vested in the
Trust as a separate legal entity until this Agreement terminates pursuant to Article VII; provided, however, that if the laws of any jurisdiction require that title to any part of the Trust Estate be vested in the trustees of a
trust, then title to that part of the Trust Estate will be deemed to be vested in the Owner Trustee or any co-trustee or separate trustee, as the case may be, appointed pursuant to Article VIII. 
 Section 2.07. Nature of Interest in the Trust Estate. The Beneficiary will not have any legal title to or right to possession of any part of
the Trust Estate. 
 Section 2.08. Continuation of Trust; Principal Office of Owner Trustee. The Owner Trustee has filed a
certificate of trust relating to the Trust with the Secretary of State and will maintain the Owner Trustee’s principal office in the State of Delaware. However, nothing herein shall restrict or prohibit the Owner Trustee from having employees
within or without the State of Delaware. Payments will be received by the Trust only in Delaware or New York, and payments will be made by the Trust only from Delaware or New York. The Trust will be located and administered in the State of Delaware.

 Section 2.09. Tax Matters. The parties hereto intend that, for income and franchise tax purposes, the Trust will be treated as
a security device and disregarded as an entity and its assets shall be treated as owned in whole by the Beneficiary, and the parties hereto will file all their tax returns in a manner consistent with that intent unless otherwise required by a taxing
authority. Except as otherwise expressly provided herein, any tax elections required or permitted to be made by the Trust under the Code or otherwise will be made by the Beneficiary. The Trust will not elect to be treated as a corporation for any
tax purpose. 
 Section 2.10. Fiscal Year. The fiscal year of the Trust will end on the last day of June of each year.

 Section 2.11. Transfer of Collateral Certificate. 
 (a) FIA, as the initial transferor, transferred, assigned, set over, pledged and otherwise conveyed to the Trust, without recourse (subject to the
obligations in the First Amended and Restated Trust Agreement, and as of the date hereof, subject to the obligations herein), all right, title and interest of FIA in and to the Collateral Certificate and the proceeds thereof. That conveyance of the
Collateral Certificate and the proceeds thereof was and still is intended to constitute a sale, and not a secured borrowing, for accounting purposes. Nevertheless, FIA, as the initial transferor, also granted to the Trust a security interest in and
to all of FIA’s right, title and interest, whether then owned or thereafter acquired, in, to and under the Collateral Certificate, all accounts, general intangibles, chattel paper, instruments, documents, money, deposit accounts, certificates
of deposit, goods, letters of credit, letter of credit rights, advices of credit and investment property consisting of, arising from, or relating to the Collateral Certificate, and the proceeds thereof, to secure the obligations of FIA as the
initial transferor. 
  

 9 

 (b) To the extent that FIA retained any interest in the Collateral Certificate, FIA, as the initial
transferor, further granted to the Indenture Trustee for the benefit of the holders of the Notes a security interest in and to all of FIA’s right, title, and interest, whether then owned or thereafter acquired, in, to, and under the Collateral
Certificate, all accounts, general intangibles, chattel paper, instruments, documents, money, deposit accounts, certificates of deposit, goods, letters of credit, letter-of-credit rights, advices of credit, and investment property consisting of,
arising from, or relating to the Collateral Certificate, and the proceeds thereof (collectively, the “Indenture Collateral”), to secure performance of FIA as the initial transferor. 
 (c) The parties intend and agree that, since the transfers by FIA, all right, title, and interest in, to, and under the Collateral Certificate, all other
items of the Trust Estate, and all proceeds thereof have been owned solely by the Trust, subject only to the security interest of the Indenture Trustee under the Indenture. If the Transferor were determined to have any right, title, or interest in,
to, or under the Collateral Certificate, any other item of the Trust Estate, or any proceeds thereof despite this intent of the parties, the Transferor hereby transfers and assigns to the Trust, without recourse, all of the Transferor’s right,
title, and interest in, to, and under the Collateral Certificate, all other items of the Trust Estate, and all proceeds thereof and further grants to the Trust a security interest in all of the Transferor’s right, title, and interest, whether
now owned or hereafter acquired, in, to, and under the Collateral Certificate, all other items of the Trust Estate, and all proceeds thereof to secure the obligations of the Transferor under this Agreement. The parties intend that these transfers by
the Transferor constitute a sale, and not a secured borrowing, for accounting purposes. These transfers by the Transferor are a protective measure and must not be construed as evidence of any intent contrary to the one expressed in the first
sentence of this paragraph. 
 Section 2.12. Closing. The transfer, assignment, set-over, pledge and conveyance of the Collateral
Certificate by FIA, as the initial transferor, and the initial issuance of Notes took place at the offices of Orrick, Herrington & Sutcliffe LLP, 666 Fifth Avenue, New York, New York 10103 on the Closing Date (as defined in the Series
2001-D Supplement). 
 Section 2.13. Books and Records. The parties acknowledge and confirm that the Collateral Certificate has
been registered in the name of the Trust and has been delivered to the Trust in the State of Delaware. In addition, the Transferor agrees to record and file, at its own expense, any financing statements (and amendments of financing statements and
continuation statements with respect to such financing statements when applicable) required to be filed with respect to the transfers by the Transferor hereunder, meeting the requirements of applicable law in such manner and in such jurisdictions as
are necessary under the applicable UCC to perfect those transfers to the Trust, and to deliver a file-stamped copy of such financing statements or other evidence of such filings to the Trust promptly after filing. 
 Section 2.14. Series 2001-D Certificateholder. The Indenture Trustee shall be the Series 2001-D Certificateholder for all purposes under the
Pooling and Servicing Agreement and the Series 2001-D Supplement. To the extent the Collateral Certificate is sold or otherwise transferred to a third-party in connection with the sale or liquidation of the Trust Estate pursuant to the provisions of
the Indenture, such transferee shall be the Series 2001-D Certificateholder for all purposes under the Pooling and Servicing Agreement. 
  

 10 

 Section 2.15. Representations and Warranties of the Transferor. The Transferor makes the
following representations and warranties as to the Collateral Certificate on which the Trust is deemed to have relied. Such representations and warranties speak as of the execution and delivery of this Agreement by the Transferor and as of each
Transfer Date after October 20, 2006. 
 (a) Title. The transfers and assignments described in Section 2.11
constitute either (i) a sale of the Collateral Certificate, (ii) a grant of a perfected security interest therein to the Trust or (iii) a grant of a perfected security interest therein to the Indenture Trustee. The Collateral
Certificate has not been sold, transferred, assigned or pledged by the Transferor to any Person other than pursuant to this Agreement. Upon the transfers and assignments described in Section 2.11, the Trust shall have good and marketable
title to the Collateral Certificate, free and clear of all liens or rights of others, or a first priority perfected security interest therein. The Transferor has no knowledge of any current statutory or other non-consensual liens to which the
Collateral Certificate is subject. 
 (b) All Actions Taken. All actions necessary under the applicable UCC in any jurisdiction to be
taken (i) to give the Trust a first priority perfected security interest or ownership interest in the Collateral Certificate, and (ii) to give the Indenture Trustee a first priority perfected security interest in the Collateral Certificate
(including, without limitation, UCC filings with the Secretary of State), in each case subject to any statutory or other non-consensual liens with respect to the Collateral Certificate, have been taken. 
 (c) No Consents Required. All approvals, authorizations, consents, orders or other actions of any Person or of any Governmental Authority required
in connection with the execution and delivery by the Transferor of this Agreement or any other Transaction Document, the performance by the Transferor of the transactions contemplated by this Agreement or any other Transaction Document and the
fulfillment by the Transferor of the terms hereof or thereof, have been obtained or have been completed and are in full force and effect (other than approvals, authorizations, consents, orders and other actions which if not obtained or completed or
in full force or effect would not have a material adverse effect on the Transferor or the Trust or upon the collectibility of the Collateral Certificate or upon the ability of the Transferor to perform its obligations under this Agreement).

 (d) Transfers Comply. Each of (i) the transfer of the Collateral Certificate to the Trust described in
Section 2.11, (ii) the pledge of the Collateral Certificate by the Trust to the Indenture Trustee pursuant to the terms of the Indenture and (iii) the pledge of the Collateral Certificate to the Indenture Trustee described in
Section 2.11, comply with the provisions of the Pooling and Servicing Agreement relating to transfers of the Collateral Certificate. 
 (e) To the extent the UCC applies, this Agreement creates a valid and continuing security interest (as defined in the Delaware UCC) in favor of the Trust in the Collateral Certificate, which security interest is prior to all other liens,
and is enforceable as such as against creditors of and purchasers from the Transferor. 
 (f) The Collateral Certificate constitutes either
an “account,” a “general intangible,” an “instrument,” or a “certificated security,” each within the meaning of the UCC. 
  

 11 

 (g) At the time of its transfer and assignment of the Collateral Certificate to the Trust pursuant to
this Agreement, the Transferor owned and had good and marketable title to the Collateral Certificate free and clear of any lien, claim or encumbrance of any Person other than the Trust and the Indenture Trustee. 
 (h) The Transferor has caused or will have caused, within ten days of its execution of this Agreement, 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 by the Transferor to the Trust pursuant to this Agreement. 
 (i) Other than the interests transferred and assigned to the Trust and the Indenture Trustee described in Section 2.11, the Transferor has
not pledged, assigned, sold, granted a security interest in, or otherwise conveyed the Collateral Certificate. The Transferor has not authorized the filing of and is not aware of any financing statements against the Transferor that include a
description of the Collateral Certificate other than any financing statement relating to the transfers described in Section 2.11 or any financing statement that has been terminated. The Transferor is not aware of any judgment or tax lien
filings against the Transferor. 
 (j) Prior to the transfer of the Collateral Certificate to the Indenture Trustee, all original executed
copies of the Collateral Certificate had been delivered to the Trust. 
 (k) At the time of the transfer and assignment of the Collateral
Certificate by the Transferor to the Trust pursuant to this Agreement, the Collateral Certificate had no marks or notations indicating that it has been pledged, assigned or otherwise conveyed to any Person other than the Trust and the Indenture
Trustee. 
 (l) None of the representations and warranties contained in subsections 2.15(e) through 2.15(k) shall be waived by
any of the parties to this Agreement unless the Transferor has obtained written confirmation from each Note Rating Agency (as defined in the Indenture) that there will be no Ratings Effect (as defined in the Indenture) with respect to such waiver.

 Section 2.16. Protection of Title to Collateral Certificate. 
 (a) The Transferor shall take all actions necessary, and the Trust shall cooperate with the Transferor, if applicable, to perfect, and maintain perfection
of, the interests of the Trust in the Collateral Certificate. The Transferor shall execute and file and cause to be executed and filed such financing statements, amendments of financing statements, and continuation statements, all in such manner and
in such places as may be required by law fully to perfect, maintain, and protect the interest of the Trust in the Collateral Certificate and in the proceeds thereof and the interest of the Indenture Trustee in the Collateral Certificate and the
proceeds thereof. The Transferor shall deliver (or cause to be delivered) to the Owner Trustee and the Indenture Trustee file-stamped copies of, or filing receipts for, any document filed as provided above, as soon as available following such
filing. 
 (b) The Transferor shall not change its name, identity or corporate structure in any manner that would, could or might make any
financing statement, amendment of financing 
  

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 statement, or continuation statement filed in accordance with paragraph (a) above or otherwise seriously misleading
within the meaning of the UCC (regardless of whether such a filing was ever made), unless it shall have given the Owner Trustee and the Indenture Trustee at least five days’ prior written notice thereof and, if applicable, shall have timely
filed appropriate amendments to any and all previously filed financing statements, amendments of financing statements, or continuation statements (so that the interest of the Trust or the Indenture Trustee is not adversely affected). 
 (c) The Transferor shall give the Owner Trustee and the Indenture Trustee at least 60 days’ prior written notice of any relocation of its chief
executive office, place of business or State of location, and of any change in the jurisdiction of its organization, if, as a result of such relocation or change, the applicable provisions of the UCC would require the filing of any amendment of any
previously filed financing or continuation statement or of any new financing statement (regardless of whether such a filing was ever made) and shall promptly, if applicable, file any such amendment. 
 (d) The Owner Trustee shall permit the Indenture Trustee and its agents at any time following reasonable notice and during normal business hours to
inspect, audit and make copies of and abstracts from the Owner Trustee’s records regarding the Collateral Certificate. 
 Section 2.17. Assignment to Indenture Trustee. The Transferor hereby acknowledges and consents to any mortgage, pledge, assignment and grant of a security interest by the Trust to the Indenture Trustee pursuant to the Indenture
for the benefit of the Noteholders of all right, title and interest of the Trust in, to and under the Collateral Certificate and the other property described in the Granting Clause of the Indenture and/or the assignment of any or all of the
Trust’s rights and obligations hereunder to the Indenture Trustee. 
 Section 2.18. Merger or Consolidation of, or Assumption of
the Obligations of, Transferor. Any Person (a) into which the Transferor may be merged or consolidated, (b) which may result from any merger or consolidation to which the Transferor shall be a party or (c) which may succeed to the
properties and assets of the Transferor substantially as a whole, which Person in any of the foregoing cases executes an agreement of assumption to perform every obligation of the Transferor under this Agreement, shall be the successor to the
Transferor hereunder without the execution or filing of any other document or any further act by any of the parties to this Agreement; provided, however, that (i) the Transferor shall have delivered to the Owner Trustee and the Indenture
Trustee an Officers’ Certificate (as defined in the Indenture) of the Transferor and an Opinion of Counsel (as defined in the Indenture) each stating that such consolidation, merger or succession and such agreement of assumption comply with
this Section 2.18 and that all conditions precedent provided for in this Agreement relating to such transaction have been complied with, (ii) written confirmation from the Note Rating Agency (as defined in the Indenture) that such
transaction will not result in any Note Rating Agency reducing or withdrawing its then existing rating of the Notes and (iii) the Transferor shall have delivered to the Owner Trustee and the Indenture Trustee an Opinion of Counsel either
(A) stating that, in the opinion of such counsel, all actions necessary to perfect the interests of the Trust and the Indenture Trustee have been taken, including that all financing statements and continuation statements and amendments thereto
have been executed and filed that are necessary fully to preserve and protect the interest of the Trust and Indenture Trustee, respectively, in the Collateral 

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 Certificate and reciting the details of such filings, or (B) stating that, in the opinion of such counsel, no such
action shall be necessary to preserve and protect such interests. Following the effectiveness of the succession provided for in this Section 2.18, the predecessor Transferor shall be released from any obligations and liabilities provided
for under the Transaction Documents other than any obligations or liabilities incurred by such predecessor Transferor prior to the effectiveness of such succession. 
 Section 2.19. Limitation on Liability of Transferor and Others. The Transferor and any director or officer or employee or agent of the Transferor may rely in good faith on the advice of counsel or on any
document of any kind, prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Transferor, in its capacity as such, shall not be under any obligation to appear in, prosecute or defend any legal action
that shall not be incidental to its obligations under this Agreement, and that in its opinion may involve it in any expense or liability. The Beneficiary shall be entitled to the same limitation of personal liability extended to stockholders of
private corporations for profit organized under the General Corporation Law of the State of Delaware. 
 ARTICLE III 
 REPRESENTATIONS AND 
 WARRANTIES OF
THE BENEFICIARY 
 Section 3.01. Representations and Warranties of the Beneficiary. The Beneficiary hereby represents and
warrants to the Owner Trustee as of the date of this Agreement and as of the date of each increase in the Investor Interest of the Collateral Certificate after the date of this Agreement that: 
 (a) The Beneficiary is a limited liability company duly organized, validly existing and in good standing under the laws of the State of Delaware and has
full corporate power, authority and legal right to own its properties and conduct its business as such properties are presently owned and such business is presently conducted, and to execute, deliver and perform its obligations under this Agreement.

 (b) The Beneficiary is duly qualified to do business and is in good standing (or is exempt from such requirement) in any state required in
order to conduct its business, and has obtained all necessary licenses and approvals with respect to the Beneficiary, in each jurisdiction in which failure to so qualify or to obtain such licenses and approvals would have a material adverse effect
on the interests of the Noteholders hereunder or under the Indenture; provided, however, that no representation or warranty is made with respect to any qualifications, licenses or approvals which the Owner Trustee or the Indenture
Trustee has or may be required at any time to obtain, if any, in connection with the transactions contemplated hereby or by any other Transaction Document to which the Owner Trustee or the Indenture Trustee, as the case may be, is a party.

 (c) The execution and delivery by the Beneficiary of this Agreement and the consummation by the Beneficiary of the transactions provided
for in this Agreement and in the other Transaction Documents to which the Beneficiary is a party have been duly authorized by 
  

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 the Beneficiary by all necessary corporate action on its part and each of this Agreement and the other Transaction
Documents to which the Beneficiary is a party will remain, from the time of its execution, an official record of the Beneficiary; the Beneficiary has the power and authority to assign the property to be assigned to and deposited with the Trust by
the Beneficiary. 
 (d) The execution and delivery by the Beneficiary of this Agreement, the performance by the Beneficiary of the
transactions contemplated by this Agreement and the fulfillment by the Beneficiary of the terms hereof will not conflict with, result in any breach of any of the material terms and provisions of, or constitute (with or without notice or lapse of
time or both) a material default under, any indenture, contract, agreement, mortgage, deed of trust, or other instrument to which the Beneficiary is a party or by which it or any of its properties are bound (other than violations of such indentures,
contracts, agreements, mortgages, deeds of trust or other instruments which, individually or in the aggregate, would not have a material adverse effect on the Beneficiary’s ability to perform its obligation under this Agreement). 
 (e) The execution and delivery by the Beneficiary of this Agreement, the performance by the Beneficiary of the transactions contemplated by this
Agreement and the fulfillment by the Beneficiary of the terms hereof will not conflict with or violate any Requirements of Law applicable to the Beneficiary. 
 (f) To its knowledge, there are no proceedings or investigations pending or threatened against the Beneficiary before any court, regulatory body, administrative agency, or other tribunal or governmental
instrumentality having jurisdiction over the Beneficiary (i) asserting the invalidity of this Agreement or any of the Transaction Documents, (ii) seeking to prevent the consummation of any of the transactions contemplated by this Agreement
or any of the Transaction Documents, (iii) seeking any determination or ruling that, in the reasonable judgment of the Beneficiary, would materially and adversely affect the performance by the Beneficiary of its obligations under this Agreement
or the Transaction Documents, or (iv) seeking any determination or ruling that would materially and adversely affect the validity or enforceability of this Agreement or the Transaction Documents. 
 ARTICLE IV 
 DISTRIBUTIONS OF FUNDS

 Section 4.01. Distribution of Funds. All funds received by the Trust to the extent not encumbered by the Indenture and
otherwise available for distribution (or if encumbered by the Indenture, which have been released by the relevant parties benefiting from such encumbrance) will be distributed to the Beneficiary. 
 Section 4.02. Payments from Trust Estate Only. All payments to be made by the Trust under this Agreement will be made only from the income
and the capital proceeds derived from the Trust Estate and only to the extent that the Trust will have received income or capital proceeds from the Trust Estate. The Beneficiary agrees that it will look solely to the income and capital proceeds
derived from the Trust Estate (to the extent available for payment as herein provided) and that, except as specifically provided herein, the Owner Trustee will not be 

 15 

 subject to any liability in its individual capacity under this Agreement to the Beneficiary or to any other Person.

 Section 4.03. Method of Payment. All amounts payable to the Beneficiary pursuant to this Agreement will be paid by the Owner
Trustee on behalf of the Trust to the Beneficiary in such manner as the Beneficiary may from time to time designate in written instructions to the Owner Trustee. All funds received by the Owner Trustee on behalf of the Trust not later than 2:00 p.m.
(New York City time) on a Business Day will be applied by the Owner Trustee on that Business Day. Funds received after that time will be applied on the next following Business Day. 
 Section 4.04. Establishment of Account. The Beneficiary hereby authorizes the Owner Trustee to establish and maintain an account on behalf of
the Trust into which all funds received by the Owner Trustee on behalf of the Trust shall be deposited. Such account shall be designated the Beneficiary Trust Account. 
 ARTICLE V 
 DUTIES OF THE OWNER TRUSTEE 
 Section 5.01. Action Upon Instructions. (a) It is the intention of the Beneficiary that the powers and duties of the Owner Trustee are
to be purely ministerial only. Accordingly, subject to Section 5.01(b) and 5.01(c), and Article XII, the Beneficiary will direct the Owner Trustee in the management of the Trust and the Trust Estate. Such direction shall be
exercised at any time only by written instruction of the Beneficiary delivered to the Owner Trustee pursuant to this Article V. Notwithstanding any other provision of this Agreement, the Owner Trustee shall not take any action including but
not limited to the execution of any documents, certificates or other instruments, unless it receives written instructions from the Beneficiary. 
 (b) The Owner Trustee will take such action or actions as may be specified in any instructions delivered in accordance with Section 5.01(a); provided, however, that the Owner Trustee will not be required to take
any such action if the Trustee Bank will have been advised by counsel that such action (i) is contrary to the terms hereof or of any document contemplated hereby to which the Trust or the Owner Trustee is a party or is otherwise contrary to
law, or (ii) is reasonably likely to result in liability on the part of the Trustee Bank, unless the Trustee Bank will have received additional indemnification or security satisfactory to the Trustee Bank from the Beneficiary against all costs,
expenses and liabilities arising from the Owner Trustee’s taking such action. 
 (c) The Beneficiary will not direct the Owner Trustee
to take or refrain from taking any action contrary to this Agreement, nor will the Owner Trustee be obligated to follow any such direction. 
 (d) In the event that the Owner Trustee is unsure as to the application of any provision of this Agreement or any Transaction Document, or such provision is ambiguous as to its application, or is, or appears to be, in conflict with any
other applicable provision, or this 
  

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 Agreement permits any determination by the Owner Trustee or is silent or is incomplete as to the course of action to be
adopted, the Owner Trustee will promptly give notice to the Beneficiary requesting written instructions as to the course of action to be adopted and, to the extent the Owner Trustee acts in good faith in accordance with such written instructions
received from the Beneficiary, the Owner Trustee shall not be liable on account of such action to any Person. If the Owner Trustee will not have received appropriate written instructions within 30 days of such notice (or within such shorter period
of time as reasonably may be specified in such notice) it may, but shall be under no duty to, take or refrain from taking such action, not inconsistent with this Agreement, as it deems to be in the best interests of the Beneficiary, and will have no
liability to any Person for such action or inaction. 
 (e) The Owner Trustee will, subject to this Section 5.01, act in
accordance with the instructions given to it by the Beneficiary pursuant to Section 5.01(b), and to the extent the Owner Trustee acts in good faith in accordance with such instructions, the Owner Trustee will not be liable on account of
such action to any Person. 
 Section 5.02. No Duty to Act Under Certain Circumstances. Notwithstanding anything contained herein
to the contrary, neither the Trustee Bank nor the Owner Trustee, except a Trustee Bank authorized as co-trustee, will be required to take any action in any jurisdiction other than in the State of Delaware if the taking of such action would
(i) require the consent or approval or authorization or order of or the giving of notice to, or the registration with or taking of any action in respect of, any state or other governmental authority or agency of any jurisdiction other than the
State of Delaware; (ii) result in any fee, tax or governmental charge under the laws of any jurisdiction or any political subdivisions thereof in existence on the date hereof other than the State of Delaware becoming payable by the Trustee
Bank; or (iii) subject the Trustee Bank to personal jurisdiction in any jurisdiction other than the State of Delaware for causes of action arising from acts unrelated to the consummation of the transactions by the Trustee Bank or the Owner
Trustee, as the case may be, contemplated hereby. The Owner Trustee shall be entitled to obtain advice of counsel (which advice shall be at the expense of the Beneficiary) to determine whether any action required to be taken pursuant to this
Agreement results in the consequences described in clauses (i), (ii) and (iii) of the preceding sentence. In the event that said counsel advises the Owner Trustee that such action will result in such consequences, the Owner Trustee may, or
if instructed to do so by the Beneficiary, shall, appoint an additional trustee pursuant to Section 8.04 hereby to proceed with such action. 
 Section 5.03. No Duties Except Under Specified Agreements or Instructions. 
 (a) The Owner
Trustee will not have any duty or obligation to manage, control, use, make any payment in respect of, register, record, insure, inspect, sell, dispose of, create, maintain or perfect any security interest or title in or otherwise deal with any part
of the Trust Estate, prepare, file or record any document or report (including any tax related filing for any holder of Notes), or to otherwise take or refrain from taking any action under, or in connection with, this Agreement, the Trust or any
document contemplated hereby to which the Trust or the Owner Trustee is a party, except as expressly provided by the terms of this Agreement or in written instructions from the Beneficiary received pursuant to Section 5.01; and no
implied duties or obligations will be read into this Agreement against the Owner Trustee. Unless otherwise directed by the Beneficiary in accordance with Section 5.01(a), the Owner 
  

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 Trustee shall have no obligation or duty to take any action the Trust is authorized and empowered to take pursuant to
Section 2.03(a). The Owner Trustee nevertheless agrees that it will, in its individual capacity and at its own cost and expense, promptly take all action as may be necessary to discharge any lien, pledge, security interest or other
encumbrance on any part of the Trust Estate which results from actions by or claims against the Trustee Bank not related to the ownership of any part of the Trust Estate. 
 (b) The Owner Trustee agrees that it will not manage, control, use, lease, sell, dispose of or otherwise deal with any part of the Trust Estate except (i) in accordance with the powers granted to, or the
authority conferred upon, the Owner Trustee pursuant to this Agreement, or (ii) in accordance with the express terms hereof or with written instructions from the Beneficiary pursuant to Section 5.01. Unless otherwise directed by the
Beneficiary in accordance with Section 5.01(a), the Owner Trustee shall not be required to perform any obligations or duties of the Trust under the Indenture, which duties and obligations shall be the sole responsibility of the
Beneficiary. 
 Section 5.04. Trust Operation. The operations of the Trust will be conducted in accordance with the following
standards: 
 (a) the Trust will act solely in its own name through the Owner Trustee or the Beneficiary; 
 (b) the Trust will not incur any indebtedness for money borrowed or incur any obligations except in connection with the purposes set forth in
Section 2.03 of this Agreement; 
 (c) the Trust’s funds and assets will at all times be maintained separately from those of
the Beneficiary and its affiliates; 
 (d) the Trust will take all reasonable steps to continue its identity as a separate legal entity and
to make it apparent to third persons that it is an entity with assets and liability distinct from those of the Beneficiary, the Beneficiary’s affiliates or any other third person, and will use stationery and other business forms of the Owner
Trustee or the Trust and not that of the Beneficiary or any of its affiliates, and will use its best efforts to avoid the appearance (i) of conducting business on behalf of the Beneficiary or any affiliates thereof, or (ii) that the assets
of the Trust are available to pay the creditors of the Beneficiary or any affiliates thereof; 
 (e) the Trust will not hold itself out as
being liable for the debts of the Beneficiary or any affiliates thereof; 
 (f) the Trust will not engage in any transaction with the
Beneficiary or any affiliates thereof, except as required, or specifically permitted, by this Agreement or unless such transaction is otherwise on terms neither more favorable nor less favorable than the terms and conditions available at the time to
the Trust for comparable transactions with other Persons; and 
 (g) the Trust will not enter into any voluntary bankruptcy or insolvency
proceeding without a finding by the Owner Trustee that the Trust’s liabilities exceeds its assets or that the Trust is unable to pay its debts in a timely manner as they become due. 
  

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 Section 5.05. Execution of Documents. The Owner Trustee will, at the written direction of the
Beneficiary, execute and deliver on behalf of the Trust such instruments, agreements and certificates contemplated hereby to which the Trust is a party (such direction to be conclusively evidenced by the Owner Trustee’s execution and delivery
of such documents to, and acceptance by, the Beneficiary or its counsel). 
 Section 5.06. Nonpetition Covenants. Notwithstanding
any prior termination of the Trust or this Agreement, to the fullest extent permitted by applicable law, each of the Owner Trustee and the Beneficiary covenants and agrees that it shall not at any time with respect to the Trust or the Master Trust
acquiesce, petition or otherwise invoke or cause the Trust or the Master Trust to invoke the process of any court or government authority for the purpose of commencing or sustaining a case against the Trust or the Master Trust under any Federal or
state bankruptcy, insolvency or similar law or appointing a receiver, conservator, liquidator, assignee, trustee, custodian, sequestrator or other similar official of the Trust or the Master Trust or any substantial part of its property, or ordering
the winding up or liquidation of the affairs of the Trust or the Master Trust; provided, however, that this Section 5.06 shall not preclude any remedy described in Article VII of the Indenture. 
 ARTICLE VI 
 CONCERNING THE TRUSTEE
BANK 
 Section 6.01. Acceptance of Trust and Duties. The Trustee Bank accepts the trust hereby created and agrees to perform
the same but only upon the terms of this Agreement. The Trustee Bank also agrees to disburse all moneys actually received by it constituting part of the Trust Estate in accordance with the terms of this Agreement. The Trustee Bank will not be
answerable or accountable under any circumstances in its individual capacity, except (i) for its own willful misconduct, bad faith or negligence, (ii) in the case of the inaccuracy of any representation or warranty contained in
Section 6.07, (iii) for the failure by the Owner Trustee to perform obligations expressly undertaken by it in the last sentence of Section 5.03(a), or (iv) for taxes, fees or other charges on, based on or measured
by, any fees, commissions or other compensation earned by the Trustee Bank for acting as trustee hereunder. In particular, but not by way of limitation: 
 (a) The Trustee Bank will not be personally liable for any error of judgment made in good faith by an authorized officer of the Owner Trustee so long as the same will not constitute negligence, bad faith or willful
misconduct; 
 (b) The Trustee Bank will not be personally liable with respect to any action taken or omitted to be taken by the Owner
Trustee in good faith in accordance with the instructions of the Beneficiary; 
 (c) No provision of this Agreement or any Transaction
Document will require the Trustee Bank to expend or risk its personal funds or otherwise incur any financial liability in the performance of any of its rights or powers hereunder, if the Trustee Bank will have reasonable grounds for believing that
repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured or provided to it, including such advances as the Trustee Bank may reasonably request; 
  

 19 

 (d) Under no circumstance will the Trustee Bank be personally liable for the accuracy or performance of
any representation, warranty, covenant, agreement or other obligation, including any indebtedness, of the Trust; 
 (e) The Trustee Bank will
not be personally responsible or liable for or in respect of the validity or sufficiency of this Agreement or for the due execution hereof by the Beneficiary or with respect to any agreement entered into by the Trust; 
 (f) Under no circumstances will the Trustee Bank be responsible or liable for the action or inaction of the Beneficiary, nor will the Trustee Bank be
responsible for monitoring the performance of the Beneficiary’s duties hereunder or of any other Person acting for or on behalf of the Trust; 
 (g) In no event shall the Trustee Bank be personally liable for special, consequential or punitive damages unless such damages result from its willful misconduct or gross negligence, for the acts or omissions of its nominees,
correspondents, clearing agencies or securities depositories, for the acts or omissions of brokers or dealers, and for any losses due to forces beyond the control of the Trustee Bank, including strikes, work stoppages, acts of war or terrorism,
insurrection, revolution, nuclear or natural catastrophes or acts of God and interruptions, loss or malfunctions of utilities, communications or computer (software and hardware) services. The Trustee Bank shall have no responsibility for the
accuracy of any information provided to the Beneficiary or any other Person that has been obtained from, or provided to the Trustee Bank by, any other Person; 
 (h) the Trustee Bank shall not be liable for the default or misconduct of the Indenture Trustee under any of the Transaction Documents or otherwise, and the Trustee Bank shall have no obligation or liability to
perform the obligations of the Trust under this Agreement or the Transaction Documents, in each case that are required to be performed by the Indenture Trustee under the Indenture; and 
 (i) the Trustee Bank shall be under no obligation to exercise any of the rights or powers vested in it by this agreement, or to institute, conduct or
defend any litigation under this Agreement or otherwise or in relation to this Agreement or any Transaction Document, at the request, order or direction of the Beneficiary, unless the Beneficiary has offered to the Trustee Bank security or indemnity
satisfactory to it against the costs, expenses and liabilities that may be incurred by the Trustee Bank therein or thereby. The right of the Trustee Bank to perform any discretionary act enumerated in this Agreement or in any Transaction Document
shall not be construed as a duty, and the Trustee Bank shall not be answerable for other than its negligence or willful misconduct in the performance of any such act. 
 Section 6.02. Furnishing of Documents. The Owner Trustee will furnish to the Beneficiary, within a reasonable time under the circumstances after receipt thereof, duplicates or copies of all reports,
notices, requests, demands, certificates, financial statements and any other instruments furnished to the Owner Trustee with respect to the Trust or the Trust Estate; 
  

 20 

 provided, however, that the Owner Trustee will have no obligation under this Section 6.02
solely to the extent the Beneficiary is an addressee of any of the foregoing or is previously provided any of the foregoing by another Person. 
 Section 6.03. Representations and Warranties as to the Trust Estate. The Owner Trustee makes no representation or warranty as to, and shall not be liable for, the title, value, condition, design, operation, merchantability or
fitness for use of the Trust Estate (or any part thereof) or any other representation or warranty, express or implied, whatsoever with respect to the Trust Estate (or any part thereof) except that the Owner Trustee, in its individual capacity,
hereby represents and warrants to the Beneficiary that it will comply with the last sentence of Section 5.03(a). 
 Section 6.04. Signature of Returns. The Beneficiary will sign on behalf of the Trust any Periodic Filings of the Trust or other documents relating to the Trust prepared by, or on behalf of, the Beneficiary. 
 Section 6.05. Reliance; Advice of Counsel. The Owner Trustee will incur no liability to anyone in acting upon any signature, instrument,
notice, resolution, request, consent, order, certificate, report, opinion, bond or other document or paper believed by it to be genuine and believed by it to be signed by the proper party or parties. The Owner Trustee may accept a certified copy of
a resolution of the board of directors or other governing body of any entity as conclusive evidence that such resolution has been duly adopted by such body and that the same is in full force and effect. As to any fact or matter the manner of
ascertainment of which is not specifically prescribed herein, the Owner Trustee may for all purposes rely on an officer’s certificate of the relevant party, as to such fact or matter, and such officer’s certificate will constitute full
protection to the Owner Trustee for any action taken or omitted to be taken by it in good faith in reliance thereon. In the administration of the Trust, the Owner Trustee may, at the expense of the Trust (i) execute the trust or any of the
powers hereof and perform its powers and duties hereunder directly or through agents or attorneys, and the Owner Trustee will not be liable for the default or misconduct of any agent or attorney selected by the Owner Trustee with reasonable care;
and (ii) consult with counsel, accountants and other skilled persons to be selected with reasonable care and employed by it, and the Owner Trustee will not be liable for anything done, suffered or omitted in good faith by it in accordance with
the advice or opinion of any such counsel, accountants or other skilled persons. 
 Section 6.06. Not Acting in Individual
Capacity. Except as provided in this Article VI, in accepting the trust hereby created the Trustee Bank acts solely as Owner Trustee hereunder and not in its individual capacity; and all Persons having any claim against the Trust or the
Owner Trustee, whether by reason of the transactions contemplated by this Agreement or otherwise, will look only to the Trust Estate (or a part thereof, as the case may be) for payment or satisfaction thereof, except as specifically provided in this
Article VI. 
 Section 6.07. Representations and Warranties. The Trustee Bank, other than a Trustee Bank appointed as a
co-trustee, hereby represents and warrants to the Beneficiary that: 
 (a) The Trustee Bank is a Delaware banking corporation duly organized
and validly existing in good standing under the laws of the State of Delaware. The Trustee Bank has all requisite corporate power and authority to execute, deliver and perform its obligations under this Agreement. 
  

 21 

 (b) The Trustee Bank has taken all corporate action necessary to authorize the execution and delivery by
it of this Agreement, and this Agreement will be executed and delivered by one of its officers who is duly authorized to execute and deliver this Agreement on its behalf. 
 (c) Neither the execution nor the delivery by it of this Agreement, the performance by it of its obligations under this Agreement, nor the consummation by it of the transactions contemplated hereby nor compliance by
the Trustee Bank with any of the terms or provisions hereof will contravene any federal or Delaware law, governmental rule or regulation governing the banking or trust powers of the Owner Trustee or any judgment or order binding on the Trustee Bank,
or constitute any default under its charter documents or by-laws or any indenture, mortgage, lease, license, contract, agreement or instrument to which the Trustee Bank is a party or by which the Trustee Bank or any of the Trustee Bank’s
properties may be bound. 
 (d) The Trustee Bank complies with all of the requirements of Chapter 38, Title 12 of the Delaware Code relating
to the qualification of a trustee of a Delaware statutory trust. 
 ARTICLE VII 
 TERMINATION OF TRUST AGREEMENT 
 Section 7.01. Termination of Trust
Agreement. 
 (a) The Trust shall dissolve upon the final distribution by the Owner Trustee of all moneys or other property or proceeds of
the Trust Estate in accordance with the Delaware Statutory Trust Act. Any money or other property held as part of the Trust Estate following such distribution shall be distributed to the Beneficiary. The bankruptcy, liquidation, dissolution,
termination, death or incapacity of the Beneficiary shall not (x) operate to terminate this Agreement or the Trust, or (y) entitle the Beneficiary’s legal representatives or heirs to claim an accounting or to take any action or
proceeding in any court for a partition or winding up of all or any part of the Trust or Trust Estate or (z) otherwise affect the rights, obligations and liabilities of the parties hereto. 
 (b) Except as provided in Section 7.01(a), the Beneficiary shall not be entitled to revoke or terminate the Trust. 
 (c) Upon the winding up of the Trust in accordance with the Delaware Statutory Trust Act, the Owner Trustee shall cause the Certificate of Trust to be
canceled by filing a certificate of cancellation with the Secretary of State in accordance with the provisions of Section 3810 of the Delaware Statutory Trust Act and thereupon the Trust and this Agreement (other than Article XI) shall
terminate. 
  

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 ARTICLE VIII 
 SUCCESSOR OWNER TRUSTEES, CO-TRUSTEES 
 AND SEPARATE OWNER TRUSTEES 
 Section 8.01. Resignation and Removal of the Owner Trustee; Appointment of Successors. Upon the occurrence of a Disqualification Event with
respect to the Owner Trustee, the Beneficiary shall appoint a successor Owner Trustee by an instrument signed by the Beneficiary. If a successor Owner Trustee has not been appointed within 30 days after the giving of written notice of such
resignation or the delivery of the written instrument with respect to such removal, the Owner Trustee or the Beneficiary may apply to any court of competent jurisdiction to appoint a successor Owner Trustee to act until such time, if any, as a
successor Owner Trustee has been appointed as above provided. Any successor Owner Trustee so appointed by such court will immediately and, except as provided in Section 8.02 below, without further act be superseded by any successor Owner
Trustee appointed as above provided within one year from the date of the appointment by such court. The Owner Trustee may resign at any time without cause by giving at least 30 days’ prior written notice to the Beneficiary. No such removal or
resignation shall become effective until a successor Owner Trustee, however appointed, becomes vested as Owner Trustee hereunder pursuant to Section 8.02. The Beneficiary will notify the Note Rating Agencies promptly after the
resignation or removal of the Owner Trustee and promptly after the appointment of a successor Owner Trustee. 
 Section 8.02.
Transfer Procedures. Any successor Owner Trustee, however appointed, will execute and deliver to the predecessor Owner Trustee an instrument accepting such appointment, and such other documents of transfer as may be necessary, and thereupon
such successor Owner Trustee, without further act, will become vested with all the estates, properties, rights, powers, duties and trust of the predecessor Owner Trustee in the trust hereunder with like effect as if originally named an Owner Trustee
herein and the predecessor Owner Trustee will be fully discharged of its duties and obligations to serve as Owner Trustee hereunder. The predecessor Owner Trustee shall promptly deliver to the successor Owner Trustee all documents, statements and
monies held by it under this Agreement. The successor Owner Trustee shall promptly file an amendment to the Certificate of Trust with the Secretary of State identifying the name and principal place of business of such successor Owner Trustee in the
State of Delaware. 
 Section 8.03. Qualification of Owner Trustee. Any Owner Trustee will at all times (i) be a trust
company or a banking corporation under the laws of its state of incorporation or a national banking association, having all corporate powers and all material governmental licenses, authorizations, consents and approvals required to carry on a trust
business in the State of Delaware, (ii) comply with Section 3807 (and any other applicable Section) of the Delaware Statutory Trust Act, (iii) have a combined capital and surplus of not less than $50,000,000 (or have its obligations
and liabilities irrevocably and unconditionally guaranteed by an affiliated Person having a combined capital and surplus of at least $50,000,000) and (iv) have (or have a parent which has) an unsecured debt rating of at least Baa3 by
Moody’s, at least BBB- by Standard & Poor’s, and at least BBB by Fitch or, if not rated, otherwise satisfactory to each Note Rating Agency. 
  

 23 

 Section 8.04. Co-trustees and Separate Owner Trustees. Whenever the Owner Trustee or the
Beneficiary shall deem it necessary or prudent in order either to conform to any law of any jurisdiction in which all or any part of the Trust Estate shall be situated or to make any claim or bring any suit with respect to the Trust Estate, or
whenever the Owner Trustee or the Beneficiary shall be advised by counsel satisfactory to them that such action is necessary or prudent, the Owner Trustee and the Beneficiary shall execute and deliver an agreement supplemental hereto and all other
instruments and agreements, and shall take all other actions, necessary or proper to appoint one or more Persons either as co-trustee or co-trustees jointly with the Owner Trustee of all or any part of the Trust Estate, or as a separate trustee or
separate trustees of all or any part of the Trust Estate, and to vest in such Persons, in such capacity, such title to the Trust Estate or any part thereof, and such rights or duties, as may be necessary or desirable, all for such period and under
such terms and conditions as are satisfactory to the Owner Trustee and the Beneficiary. In case a Disqualification Event shall occur with respect to any such co-trustee or separate trustee, the title to the Trust Estate and all rights and duties of
such co-trustee or separate trustee shall, so far as permitted by law, vest in and be exercised by the Owner Trustee, without the appointment of a successor to such co-trustee or separate trustee. 
 ARTICLE IX 
 AMENDMENTS

 Section 9.01. Amendments. 
 (a) This Agreement may be amended from time to time, by a written instrument executed by the Owner Trustee, at the written direction of the Beneficiary, and the Beneficiary, without the consent of the Indenture
Trustee or any Noteholders, upon issuance of a Master Trust Tax Opinion and an Issuer Tax Opinion (each as defined in the Indenture), which shall not be expenses of the Owner Trustee or the Trustee Bank; provided, however, that the
Trust shall deliver to the Indenture Trustee and the Owner Trustee an Officer’s Certificate (as defined in the Indenture) to the effect that the Trust reasonably believes that such amendment will not have an Adverse Effect (as defined in the
Indenture) and is not reasonably expected to have an Adverse Effect at any time in the future; provided further, however, that such amendment will not significantly change the activities of the Trust as set forth in
Section 2.03. The Owner Trustee shall not be responsible for determining whether any such amendment to this Agreement will significantly change the activities of the Trust as set forth in Section 2.03. 
 (b) This Agreement may also be amended from time to time, by a written instrument executed by the Owner Trustee, at the written direction of the
Beneficiary, and the Beneficiary, with prior written notice to each Note Rating Agency, upon issuance of a Master Trust Tax Opinion and an Issuer Tax Opinion and (A) in the case of a significant change to Section 2.03(a) which the
Trust reasonably believes will not have an Adverse Effect (as defined in the Indenture), with the consent of holders of a majority of the Outstanding Dollar Principal Amount (as defined in the Indenture) of each series, class or tranche of Notes
affected by such change, and (B) in all other cases, with the consent of holders of not less than 66 2/3% of
the Outstanding Dollar Principal Amount of each series, class or tranche of Notes affected by such change; provided, however, that, without the consent of the holders of all of the Notes then outstanding, no such amendment shall
(a) increase or reduce in any manner the amount of, or 
  

 24 

 accelerate or delay the timing of, collections of payments in respect of the Collateral Certificate or distributions that
are required to be made for the benefit of the Noteholders or (b) reduce the aforesaid percentage of the Outstanding Dollar Principal Amount of the Notes, the holders of which are required to consent to any such amendment. 
 (c) Promptly after the execution of any such amendment or consent, the Beneficiary, on behalf of the Trust, shall furnish written notification of the
substance of such amendment or consent to the Indenture Trustee and each Note Rating Agency. 
 (d) It shall not be necessary for the consent
of the Noteholders pursuant to this Section to approve the particular form of any proposed amendment or consent, but it shall be sufficient if such consent shall approve the substance thereof. 
 (e) Promptly after the execution of any amendment to the Certificate of Trust, the Owner Trustee shall cause the filing of such amendment with the
Secretary of State. 
 (f) The Owner Trustee shall be entitled to receive, and shall be fully protected in relying upon, an Officer’s
Certificate of the Trust to the effect that the conditions to such amendment have been satisfied. The Owner Trustee may, but shall not be obligated to, enter into any such amendment which affects the Owner Trustee’s own rights, duties or
immunities under this Agreement or otherwise. 
 ARTICLE X 
 OWNERSHIP INTERESTS AND CERTIFICATES 
 Section 10.01. Issuance of Trust Certificates.
(a) The parties confirm and acknowledge that, in connection with the execution and delivery of this Agreement, the trust certificate owned by FIA under the Second Amended and Restated Trust Agreement has been presented by FIA to the Trust with
a request to register transfer to the Beneficiary. Upon the execution and delivery of this Agreement, the Owner Trustee on behalf of the Trust will register that transfer and will issue and deliver to the Beneficiary a certificate of beneficial
ownership of the Trust Estate substantially in the form of Exhibit A hereto (the “Trust Certificate”) evidencing the Beneficiary’s beneficial interest (the “Ownership Interest”) in the Trust. The
Beneficiary, in its capacity as the holder of the Trust Certificate, (i) shall be the sole beneficial owner of the Trust and (ii) shall be bound by the provisions of this Agreement. 
 (b) In connection with the issuance described in Section 10.01(a), the Owner Trustee shall cause a single Trust Certificate to be executed on
behalf of the Trust, authenticated and delivered to or upon the written order of the Beneficiary, signed by any Vice President or more senior officer of the Beneficiary, without further corporate action by the Beneficiary. The Trust Certificate
shall not entitle its holder to any benefit under this Agreement, or be valid for any purpose, unless there shall appear on the Trust Certificate a certificate of authentication substantially in the form set forth in Exhibit A, executed by
the Owner Trustee or the Owner Trustee’s authentication agent, by manual signature; such authentication shall constitute conclusive evidence that the Trust Certificate shall have been duly authenticated and delivered hereunder. A Trust
Certificate bearing the manual signature of an individual who was, at the 
  

 25 

 time when such signature was affixed, an authorized officer will bind the Trust, notwithstanding that such individual has
ceased to be so authorized prior to the delivery of such Trust Certificate. The Trust Certificate will be dated the date of its authentication. 
 (c) The Beneficiary will be entitled to all rights provided to it under this Agreement and in the Trust Certificate and will be subject to the terms and conditions contained in this Agreement and in the Trust Certificate. 
 (d) The Owner Trustee will maintain at its office referred to in Section 2.08, or at the office of any agent appointed by it and approved in
writing by the Beneficiary, a register for the registration of the Trust Certificate. Such register will show the name and address of the holder of the Trust Certificate, and the Owner Trustee will treat such register as definitive and binding for
all purposes hereunder. 
 (e) When the Trust Certificate is duly executed and issued by the Trust and duly authenticated by the Owner
Trustee in accordance with this Agreement, the Trust Certificate will be fully paid, validly issued, non-assessable and entitled to the benefits of this Agreement. 
 Section 10.02. Beneficial Interest; Prohibitions on Transfer. (a) As of the date of this Agreement, the Ownership Interest will be beneficially owned by Funding. Transfers of the Ownership Interest
and the Trust Certificate may be made between Funding and any other Person who is an Affiliate of Funding (a “Permitted Affiliate Transferee”) upon delivery to the Master Trust Trustee and the Owner Trustee of a Master Trust Tax
Opinion and an Issuer Tax Opinion, respectively, with respect to such transfer. The Beneficiary may not sell, participate, transfer, assign, exchange or otherwise pledge or convey all or any part of its right, title and interest in and to the Trust
Certificate or its Ownership Interest to any other Person, except (i) to any Permitted Affiliate Transferee, or (ii) to the extent a corresponding transfer of the Collateral Certificate would be permitted by the Pooling and Servicing
Agreement. Any purported transfer by the Beneficiary of all or any part of its right, title and interest in and to the Trust Certificate to any Person will be effective only upon the issuance of a Master Trust Tax Opinion and an Issuer Tax Opinion
(each as defined in the Indenture), which will not be an expense of the Owner Trustee or the Trustee Bank. Any purported transfer by the Beneficiary of all or any part of its right, title and interest in and to the Trust Certificate which is not in
compliance with the terms of this Section 10.02 will be null and void. 
 (b) The Trust Certificate will bear a legend setting
forth the restriction on the transferability of the Ownership Interest substantially as follows: 
 “THIS CERTIFICATE MAY NOT BE
TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR CONVEYED EXCEPT IN COMPLIANCE WITH THE TERMS OF THE TRUST AGREEMENT REFERRED TO BELOW. IN ADDITION, THE BENEFICIAL INTEREST IN THE TRUST REPRESENTED BY THIS CERTIFICATE HAS NOT BEEN AND WILL
NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”) OR ANY STATE SECURITIES LAWS AND MAY NOT BE DIRECTLY OR INDIRECTLY 
  

 26 

 OFFERED OR SOLD OR OTHERWISE DISPOSED OF BY THE HOLDER HEREOF UNLESS SUCH TRANSACTION IS EXEMPT FROM
REGISTRATION UNDER THE SECURITIES ACT, THE INVESTMENT COMPANY ACT OF 1940, AS AMENDED AND APPLICABLE STATE SECURITIES LAWS.” 
 (c) The
Owner Trustee shall not be required to ascertain whether any purported transfer of the Ownership Interest and the Trust Certificate complies with the Securities Act. 
 Section 10.03. Lost or Destroyed Trust Certificate. If the Trust Certificate shall become mutilated, destroyed, lost or stolen, the Owner Trustee on behalf of the Trust will, upon the written request of
the Beneficiary, and compliance with all applicable terms of this paragraph, execute and deliver to the registered holder of such Trust Certificate in replacement thereof a new Trust Certificate dated the same date as on the Trust Certificate so
mutilated, destroyed, lost or stolen. If the Trust Certificate being replaced has been mutilated, destroyed, lost or stolen, the Beneficiary will furnish to the Owner Trustee such security or indemnity as may be required by the Owner Trustee to save
the Owner Trustee harmless from any damage, loss or liability in connection with such Trust Certificate, and the Owner Trustee may require from the Beneficiary payment of a sum to reimburse the Owner Trustee for, or to provide funds for, the payment
of any costs, fees and expenses and any tax or other governmental charge in connection therewith and any charges paid or payable by the Owner Trustee. 
 ARTICLE XI 
 COMPENSATION OF TRUSTEE BANK AND INDEMNIFICATION 
 Section 11.01. Trustee Bank Fees and Expenses. The Transferor will pay to the Trustee Bank all fees and other charges described in a separate
fee agreement dated as of the date hereof between the Transferor and the Trustee Bank promptly when due thereunder and reimburse the Trustee Bank for all other reasonable out-of-pocket costs and expenses (including reasonable fees and expenses of
counsel) incurred by it in connection with its acting as Owner Trustee of the Trust. The Transferor’s obligations pursuant to this Section 11.01 shall not constitute a claim against the Trust Estate or the Trust Assets (as defined
in the Pooling and Servicing Agreement) and shall only constitute a claim against the Transferor to the extent the Transferor has funds sufficient to make payment on such obligations from amounts paid to it as holder of the Transferor Interest (as
defined in the Pooling and Servicing Agreement) or as Beneficiary pursuant to Section 4.01. 
 Section 11.02.
Indemnification. To the fullest extent permitted by law, the Transferor hereby agrees, whether or not any of the transactions contemplated by this Agreement will be consummated, to assume liability for, and hereby indemnifies, protects, saves
and keeps harmless the Trustee Bank and its officers, directors, successors, assigns, legal representatives, agents and servants (each an “Indemnified Person”), from and against any and all liabilities, obligations, losses, damages,
penalties, taxes, claims, actions, investigations, proceedings, costs, expenses or disbursements (including reasonable legal fees and expenses) of any kind and nature whatsoever which may be imposed on, incurred by or asserted at any time against an

  

 27 

 Indemnified Person (whether or not also indemnified against by any other person) in any way relating to or arising out of
this Agreement or any other related documents or the enforcement of any of the terms of any thereof, the administration of the Trust Estate or the action or inaction of the Owner Trustee, or the Trustee Bank under this Agreement, and the
manufacture, purchase, acceptance, nonacceptance, rejection, ownership, delivery, lease, possession, use, operation, condition, sale, return or other disposition of any property (including any strict liability, any liability without fault and any
latent and other defects, whether or not discoverable), except, in any such case, to the extent that any such liabilities, obligations, losses, damages, penalties, taxes, claims, actions, investigations, proceedings, costs, expenses and
disbursements are the result of any of the matters described in the third sentence of Section 6.01; provided, however, that the Transferor shall not be liable for or required to indemnify an Indemnified Person from and
against expenses arising or resulting from (i) the Indemnified Party’s own willful misconduct, bad faith or negligence, or (ii) the inaccuracy of any representation or warranty contained in Section 6.07 made by the
Indemnified Person. 
 In case any such action, investigation or proceeding will be brought involving an Indemnified Person, the Transferor
will assume the defense thereof, including the employment of counsel and the payment of all expenses. The Trustee Bank will have the right to employ separate counsel in any such action, investigation or proceeding and to participate in the defense
thereof and the reasonable counsel fees and expenses of such counsel will be paid by the Transferor. In the event of any claim, action or proceeding for which indemnity will be sought pursuant to this Section 11.02, the Trustee
Bank’s choice of legal counsel shall be subject to the approval of the Transferor, which approval shall not be unreasonably withheld. 
 The indemnification set forth herein will survive the termination of this Agreement and the resignation or removal of the Trustee Bank. The Transferor’s obligations pursuant to this Section 11.02 shall not constitute a
claim against the Trust Estate or the Trust Assets (as defined in the Pooling and Servicing Agreement) and shall only constitute a claim against the Transferor to the extent the Transferor has funds sufficient to make payment on such obligations
from amounts paid to it as holder of the Transferor Interest (as defined in the Pooling and Servicing Agreement) or as Beneficiary pursuant to Section 4.01. 
 ARTICLE XII 
 MISCELLANEOUS 
 Section 12.01. Conveyance by the Owner Trustee is Binding. Any sale or other conveyance of any part of the Trust Estate by the Owner Trustee
on behalf of the Trust made pursuant to the terms of this Agreement will bind the Beneficiary and will be effective to transfer or convey all beneficial interest of the Owner Trustee and Beneficiary in and to such part of the Trust Estate, as the
case may be. No purchaser or other grantee will be required to inquire as to the authorization, necessity, expediency or regularity of such sale or conveyance or as to the application of any sale or other proceeds with respect thereto by the Owner
Trustee or the officers. 
 Section 12.02. Instructions; Notices. All instructions, notices, requests or other communications
(“Deliveries”) desired or required to be given under this Agreement will be in 
  

 28 

 writing and will be sent by (a) certified or registered mail, return receipt requested, postage prepaid,
(b) national prepaid overnight delivery service, (c) telecopy or other facsimile transmission or (d) personal delivery, with receipt acknowledged in writing, to the following addresses: 
  

	 	(i)	if to Funding: 

 BA Credit Card Funding, LLC 

Hearst Tower 214 North Tryon Street 
 Suite # 21-39, NC1-027-21-04 
 Charlotte, North Carolina 28255 
 Attention: Marcie Copson-Hall 
 with a copy
to: 
 Bank of America, National Association 
 101 S. Tryon Street 
 Mail Code: NC1-002-29-01 
 Charlotte, North Carolina 28255 
 Attention:
Caroline Tsai, Assistant General Counsel 
 and to: 
 BA Credit Card Funding, LLC 
 1100 North King Street 
 Wilmington, DE 19884 
 Mail Code:
DE5-003-0107 
 Attention: Marcie Copson-Hall 
  

	 	(ii)	if to the Owner Trustee: 

 Wilmington Trust Company

 1100 North Market Street 
 Wilmington, Delaware 19890-0001 
 Attention: Corporate Trust Administration 
 All Deliveries will be deemed given when actually received or refused by the party to whom the same is directed (except to the extent sent by certified
or registered mail, return receipt requested, postage prepaid, in which event such Deliveries will be deemed given three days after the date of mailing and except to the extent sent by telecopy or other facsimile transmission, in which event such
Deliveries will be deemed given when answer back is received). Either party may designate a change of address or supplemental address by notice to the other party, given at least 15 days before such change of address is to become effective.

 Section 12.03. Severability. Any provision of this Agreement which is prohibited or unenforceable in any jurisdiction will, as
to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any jurisdiction will not invalidate or render
unenforceable any provision hereof in any other jurisdiction. 
  

 29 

 Section 12.04. Limitation of Liability. (a) Neither the Beneficiary nor any officer,
director, employee, agent, partner, shareholder, trustee or principal of the Beneficiary, or any Person owning, directly or indirectly, any legal or beneficial interest in the Beneficiary, will have any liability or obligation with respect to the
Trust or the performance of this Agreement or any other agreement, document or instrument executed by the Trust, and the creditors of the Trust and all other Persons will look solely to the Trust Estate for the satisfaction of any claims with
respect thereto. The foregoing limitation of liability is subject to Section 12.06 and is in addition to, and not exclusive of, any limitation of liability applicable to the Persons referred to above by operation of law. 
 (b) All agreements entered into by the Trust under which the Trust would have any material liability will contain an exculpatory provision substantially
to the following effect: 
 Neither any trustee nor any beneficiary of BA 
 Credit Card Trust nor any of their respective 
 officers, directors, employees or agents will have any 
 liability with respect to this agreement, and recourse 
 may be had solely to the assets of BA Credit Card Trust with respect thereto. 
 Section 12.05. Separate Counterparts. This Agreement may be executed by the parties hereto in separate counterparts, each of which when so
executed and delivered will be an original, but all such counterparts will together constitute but one and the same instrument. 
 Section 12.06. Successors and Assigns. All covenants and agreements contained herein will be binding upon, and inure to the benefit of, the Owner Trustee and its successors and assigns and the Beneficiary and its successors and
permitted assigns, all as herein provided. Any request, notice, direction, consent, waiver or other instrument or action by the Beneficiary will bind the successors and assigns of the Beneficiary. 
 Section 12.07. Headings. The headings of the various Sections herein are for convenience of reference only and will not limit any of the
terms or provisions herein. 
 Section 12.08. Governing Law. THIS AGREEMENT WILL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE
WITH, THE LAWS OF THE STATE OF DELAWARE WITHOUT REGARD TO CONFLICTS OF LAW PRINCIPLES OF SUCH STATE. 
 Section 12.09. No
Recourse. The holder of the Trust Certificate by accepting the Trust Certificate acknowledges that the Trust Certificate does not represent an interest in or obligation of the Beneficiary, the Owner Trustee (in its individual capacity), the
Indenture Trustee or any Affiliate thereof, and no recourse may be had against such parties or their assets, or against the assets pledged under the Indenture. 
  

 30 

 Section 12.10. Acceptance of Terms of Agreement. THE RECEIPT AND ACCEPTANCE OF THE TRUST
CERTIFICATE BY THE BENEFICIARY, WITHOUT ANY SIGNATURE OR FURTHER MANIFESTATION OF ASSENT, SHALL CONSTITUTE THE UNCONDITIONAL ACCEPTANCE BY THE BENEFICIARY OF ALL THE TERMS AND PROVISIONS OF THIS AGREEMENT, AND SHALL CONSTITUTE THE AGREEMENT OF THE
TRUST THAT THE TERMS AND PROVISIONS OF THIS AGREEMENT SHALL BE BINDING, OPERATIVE AND EFFECTIVE AS BETWEEN THE TRUST AND THE BENEFICIARY. 
 Section 12.11 Intention of Parties. For purposes of complying with the requirements of the Asset-Backed Securities Facilitation Act of the State of Delaware, 6 Del. C. § 2701A et seq. (the
“Securitization Act”), each of the parties hereto hereby agrees that: 
 (a) Any property, assets or rights
purported to be transferred, in whole or in part, by the Transferor pursuant to this Agreement shall be deemed to no longer be the property, assets or rights of the Transferor; 
 (b) None of the Transferor, its creditors or, in any insolvency proceeding with respect to the Transferor or the Transferor’s
property, a bankruptcy trustee, receiver, debtor, debtor in possession or similar person, to the extent the issue is governed by Delaware law, shall have any rights, legal or equitable, whatsoever to reacquire (except pursuant to a provision of this
Agreement), reclaim, recover, repudiate, disaffirm, redeem or recharacterize as property of the Transferor any property, assets or rights purported to be transferred, in whole or in part, by the Transferor pursuant to this Agreement; 
 (c) In the event of a bankruptcy, receivership or other insolvency proceeding with respect to the Transferor or the Transferor ‘s
property, to the extent the issue is governed by Delaware law, such property, assets and rights shall not be deemed to be part of the Transferor ‘s property, assets, rights or estate; and 
 (d) The transactions contemplated by this Agreement shall constitute a “securitization transaction” as such term is used in the
Securitization Act. 
 ARTICLE XIII 
 COMPLIANCE WITH REGULATION AB 
 Section 13.01. Intent of the Parties; Reasonableness. The Transferor and the
Trustee Bank acknowledge and agree that the purpose of this Article XIII is to facilitate compliance by the Transferor with the provisions of Regulation AB and related rules and regulations of the Securities and Exchange Commission (the
“Commission”). The Transferor shall not exercise its right to request delivery of information or other performance under these provisions other than in good faith, or for purposes other than the Transferor’s compliance with the
Securities Act, the Exchange Act and the rules and regulations of the Commission thereunder (or the provision in a private offering of disclosure comparable to that required under the Securities Act). The Trustee Bank agrees to cooperate in good
faith with any reasonable request 
  

 31 

 by the Transferor for information regarding the Trustee Bank which is required in order to enable the Transferor to
comply with the provisions of Items 1109(a), 1109(b), 1117 and 1119 of Regulation AB as it relates to the Trustee Bank or to the Trustee Bank’s obligations under this Agreement. 
 Section 13.02. Information to be Provided by the Trustee Bank. The Trustee Bank shall, as promptly as practicable, notify the Transferor, in
writing, of: (i) the commencement of, a material development in or, if applicable, the termination of, any and all legal proceedings against the Trustee Bank or any and all proceedings which any property of the Trustee Bank is the subject, that
is material to the noteholders; and (ii) any such proceedings known to be contemplated by governmental authorities. The Trustee Bank shall also notify the Transferor, in writing, as promptly as practicable following notice to or discovery by
the Trustee Bank of any material changes to proceedings described in the preceding sentence. In addition, the Trustee Bank will furnish to the Transferor, in writing, the necessary disclosure regarding the Trustee Bank describing such proceedings
required to be disclosed under Item 1117 of Regulation AB, for inclusion in reports filed by or on behalf of the Transferor pursuant to the Exchange Act. 
 Notwithstanding the provisions of Section 13.01, the Trustee Bank shall (i) on an annual basis, provide to the Transferor such information regarding the Trustee Bank as is requested for the purpose of
compliance with Items 1109(a), 1109(b), 1117 and 1119 of Regulation AB, and (ii) as promptly as practicable following notice to or discovery by the Trustee Bank of any material changes to such information, provide to the Transferor, in writing,
such updated information. Such information shall include, at a minimum: 
 (A) the Trustee Bank’s name and form of
organization; 
 (B) a description of the extent to which the Trustee Bank has had prior experience serving as a trustee for
asset-backed securities transactions involving credit card receivables; 
 (C) a description of any affiliation between the
Trustee Bank and any of the following parties to a Securitization Transaction, as such parties are identified to the Trustee Bank by the Transferor in writing in advance of such Securitization Transaction: 
  

	 	(1)	the sponsor; 

  

	 	(2)	any depositor; 

  

	 	(3)	the issuing entity; 

  

	 	(4)	any servicer; 

  

	 	(5)	any trustee; 

  

	 	(6)	any originator; 

  

	 	(7)	any significant obligor; 

  

	 	(8)	any enhancement or support provider; and 

  

	 	(9)	any other material transaction party. 

 In connection with
the above-listed parties, a description of whether there is, and if so the general character of, any business relationship, agreement, arrangement, transaction or understanding that is entered into outside the ordinary course of business or is on
terms other 

 32 

 than would be obtained in an arm’s length transaction with an unrelated third party, apart from the asset-backed
securities transaction, that currently exists or that existed during the past two years and that is material to an investor’s understanding of the asset-backed securities. 
 [Signature Page to Follow] 
  

 33 

 IN WITNESS WHEREOF, the parties hereto have each caused this Agreement to be duly executed, by their
respective officers hereunto duly authorized all as of the day and year first above written. 
  

			
	 WILMINGTON TRUST COMPANY, as
 Owner
Trustee

		
	By:	 	 /s/ Patrick A. Evans

	Name:	 	Patrick A. Evans
	Title:	 	Vice President
	
	BA CREDIT CARD FUNDING, LLC, as Beneficiary and as Transferor
		
	By:	 	 /s/ Marcie E. Copson-Hall

	Name:	 	Marcie E. Copson-Hall
	Title:	 	President

 [Signature Page to BA Credit Card Trust Third Amended and Restated Trust Agreement]

 Acknowledged and Accepted: 
  

			
	BA CREDIT CARD TRUST
		
	By:	 	 BA Credit Card Funding, LLC,
 as Beneficiary on behalf of
the Trust

		
	By:	 	 /s/ Marcie E. Copson-Hall

	Name:	 	 Marcie E. Copson-Hall

	Title:	 	President
	
	FIA Card Services, National Association,
	as the predecessor Beneficiary and as the predecessor Transferor under the BA Credit Card Trust Second Amended and Restated Trust Agreement
		
	By:	 	 /s/ Scott W. McCarthy

	Name:	 	Scott W. McCarthy
	Title:	 	Senior Vice President

 [Signature Page to BA Credit Card Trust Third Amended and Restated Trust Agreement] 

 EXHIBIT A 
 [FORM OF] TRUST CERTIFICATE 
 THIS CERTIFICATE MAY NOT BE TRANSFERRED, ASSIGNED, EXCHANGED OR OTHERWISE PLEDGED OR CONVEYED
EXCEPT IN COMPLIANCE WITH THE TERMS OF THE TRUST AGREEMENT REFERRED TO BELOW. IN ADDITION, THE BENEFICIAL INTEREST IN THE TRUST REPRESENTED BY THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE
“SECURITIES ACT”) OR ANY STATE SECURITIES LAWS AND MAY NOT BE DIRECTLY OR INDIRECTLY OFFERED OR SOLD OR OTHERWISE DISPOSED OF BY THE HOLDER HEREOF UNLESS SUCH TRANSACTION IS EXEMPT FROM REGISTRATION UNDER THE SECURITIES ACT, THE
INVESTMENT COMPANY ACT OF 1940, AS AMENDED AND APPLICABLE STATE SECURITIES LAWS. 
 BA CREDIT CARD TRUST 
 TRUST CERTIFICATE 
 (This Certificate does not represent an
interest in or obligation of BA Credit Card Funding, LLC or any of its affiliates, except to the extent described below.) 
 THIS CERTIFIES
THAT BA Credit Card Funding, LLC (“Funding”) is the registered beneficial owner of the BA Credit Card Trust (the “Trust”). 
 The Trust was created pursuant to (i) the filing of the Certificate of Trust with the Secretary of State of the State of Delaware and (ii) the MBNA Credit Card Master Note Trust Trust Agreement dated as of
May 4, 2001, as amended and restated as of May 24, 2001, each between MBNA America Bank, National Association, as beneficiary and as transferor, and Wilmington Trust Company, as owner trustee (the “Owner Trustee”), as
further amended and restated as of June 10, 2006, between FIA Card Services, National Association (formerly known as MBNA America Bank, National Association), as beneficiary and as transferor, and the Owner Trustee, and as further amended and
restated as of October 20, 2006, between Funding, as beneficiary and as transferor, and the Owner Trustee (as amended and restated, the “BA Trust Agreement”). To the extent not otherwise defined herein, the capitalized terms
used herein have the meanings assigned to them in the BA Trust Agreement as specified in Section 1.01. 
 This Certificate is the
duly authorized Certificate evidencing a beneficial interest in the Trust (herein called the “Certificate”). This Certificate is issued under and is subject to the terms, provisions and conditions of the BA Trust Agreement, to which
BA Trust Agreement the Owner by virtue of the acceptance hereof assents and by which the Owner is bound. 
 Notwithstanding any prior
termination of the BA Trust Agreement, the Owner, by its acceptance of this Certificate, covenants and agrees that, to the fullest extent permitted by applicable law, it shall not at any time with respect to the Trust, the Beneficiary or the Master
Trust, acquiesce, petition or otherwise invoke or cause the Trust, the Beneficiary or the Master Trust to invoke the process of any court or government authority for the purpose of commencing or sustaining a case against the Trust, the Beneficiary
or the Master Trust under any Federal or 
  

 A-1 

 state bankruptcy, insolvency or similar law or appointing a receiver, conservator, liquidator, assignee, trustee,
custodian, sequestrator or other similar official of the Trust, the Beneficiary or the Master Trust or any substantial part of its property, or ordering the winding up or liquidation of the affairs of the Trust, the Beneficiary or the Master Trust.

 Unless the certificate of authentication hereon shall have been executed by an authorized officer of the Owner Trustee, by manual
signature, this Certificate shall not entitle the Holder hereof to any benefit under the BA Trust Agreement or any Transaction Document or be valid for any purpose. 
 THIS CERTIFICATE AND THE BA TRUST AGREEMENT WILL IN ALL RESPECTS BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF DELAWARE, WITHOUT REGARD TO ANY CONFLICT-OF-LAW PROVISIONS AND THE
OBLIGATIONS, RIGHTS, AND REMEDIES OF THE OWNER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. 
  

 A-2 

 IN WITNESS WHEREOF, the Owner Trustee, on behalf of the Trust and not in its individual capacity pursuant
to the BA Trust Agreement, has caused this Certificate to be issued by the Trust as of the date hereof. 
  

			
	BA CREDIT CARD TRUST
	
	By: WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Owner Trustee
		
	By:	 	  

	Name:	 	
	Title:	 	

 Date:
                 , 2006 

 CERTIFICATE OF AUTHENTICATION 
 This is the Certificate referred to in the within-mentioned BA Trust Agreement. 
  

									
	 WILMINGTON TRUST COMPANY,
 not in its
individual capacity but solely
 as Owner Trustee
	  	or	    	 WILMINGTON TRUST COMPANY,
 not in its
individual capacity but solely
 as Owner Trustee

					
		  		  		    	By:	  	  

		  		  		    		  	Authenticating Agent
					
	By:	  	  
	  		    	By:	  	  

		  	Authorized Signatory	  		    		  	Authorized Signatory

 ANNEX I to EXHIBIT A 
 Registered Owner and address: 
 BA Credit Card Funding, LLC 
 Charlotte, North Carolina 28255 
 Tax
Identification Number: 
 01-0864848

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