Document:

EXHIBIT 10.1

                       Loan and Security Agreement between
                                 Environmental
                           Service Professionals, Inc.
                                      and
                        Siena Investment Resources, LLC
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                           LOAN AND SECURITY AGREEMENT

     This Loan and Security  Agreement  ("Agreement")  is entered into on May 1,
2008 among Environmental Service Professionals,  Inc., a Nevada corporation (the
"Borrower"),  and Siena Investment Resources,  LLC, a Delaware limited liability
company ("Lender"). Certain capitalized terms used herein are defined in Exhibit
A to this Agreement.

     The parties agree as follows:

     1. LOAN.

               (a) LOAN.  Subject to the terms and conditions hereof, the Lender
          shall make a loan (the "Loan") to Borrower in the  principal sum of up
          to Ten Million Dollars ($10,000,000). The Loan shall be evidenced by a
          Secured  Convertible  Promissory  Note  issued by the  Borrower to the
          Lender at each  Closing  (as  defined  below) in the form of Exhibit B
          hereto (the "Note").

               (b) INTEREST.  The Note and all other monetary  Obligations shall
          bear interest at the simple rate of 10% per annum.  Interest  shall be
          pre-payable in advance for each year after each Closing and thereafter
          on each  anniversary date of each Closing during the term of the Note,
          unless  and  to the  extent  that  the  Note  is  converted  into  the
          Borrower's equity securities.  Any interest not paid when due shall be
          added to the principal and shall  thereafter bear like interest as the
          principal of the Note.

               (c)  MATURITY  DATE.  Unless the Note is earlier  converted  into
          equity  securities  of the Borrower as provided in the Note,  on April
          30,  2011 (the  "Maturity  Date"),  the entire  outstanding  principal
          balance of the Note, all accrued and unpaid interest thereon,  if any,
          and all other monetary Obligations shall be due and payable.

               (d) PAYMENTS.  Any payments by Borrower shall be deemed  received
          when received in  immediately  available  funds,  and any  immediately
          available funds received later than 5:00 p.m. (California time) on any
          Business  Day shall be deemed to have been  received on the  following
          Business  Day and any  applicable  interest  or fee shall  continue to
          accrue during such period.

                  (e) PREPAYMENT. The Borrower may at any time prepay all or any
         portion  of the  outstanding  principal  and  interest  on this Note by
         giving at least three  Business  Days prior notice to the Lender of the
         prepayment date. In such case, the Borrower shall pay to the Lender all
         appropriate principal and accrued interest to be prepaid on the Note as
         of the prepayment date; provided,  however,  that Borrower shall not be
         obligated  to make such  payment  unless the Lender has  delivered  its
         original  Note to Borrower or has notified  Borrower that such Note has
         been lost,  stolen or destroyed and executes an agreement  satisfactory
         to  Borrower  to  indemnify  Borrower  from any loss  incurred by it in
         connection  with such lost  Note.  The  Lender  shall have the right to
         exercise all of its rights under the Note,  and interest shall continue
         to accrue,  until payment in full is made  hereunder.  Lender will have
         the right to convert all or any portion of the Note to be prepaid  into

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         the Borrower's  equity  securities in accordance with the Note prior to
         the actual  prepayment  by the  Borrower  and in any event for at least
         three Business Days after receipt of notice of the proposed  prepayment
         from the Borrower.

     2. GRANT OF  SUBORDINATED  SECURITY  INTEREST.  Borrower  grants  Lender an
unperfected  junior  security  interest in all of the assets and property of the
Borrower (the  "Collateral")  to secure the following (the  "Obligations"):  the
obligation  to pay all  principal  of, and interest on, the Note,  and all other
debts,  liabilities,  obligations,  guaranties,  covenants  and  duties  now  or
hereafter owing by Borrower to Lender under, arising out of, or relating to this
Agreement and the Note, including without limitation all interest,  fees, costs,
and other sums now or  hereafter  due to the  Lender,  absolute  or  contingent,
liquidated or unliquidated.

     3. REPRESENTATIONS AND WARRANTIES. Borrower hereby represents to the Lender
as of each Closing date the following:

          (a)  AUTHORIZATION.   Borrower  is  and  will  continue  to  be,  duly
     organized,  validly  existing  and in good  standing  under the laws of the
     State of Nevada,  and  Borrower is and will  continue to be  qualified  and
     licensed to do business in all  jurisdictions in which any failure to do so
     would result in a Material  Adverse  Change.  The  execution,  delivery and
     performance  by  Borrower  of  this  Agreement,  and  all  other  documents
     contemplated  hereby have been duly and validly authorized by all necessary
     corporate action, and do not violate  Borrower's  Articles of Incorporation
     or Bylaws.  This Agreement and the Loan Documents are, or when executed and
     delivered will be, valid and binding obligations of Borrower enforceable in
     accordance with their respective terms,  except, as the same may be limited
     by equitable principles and by bankruptcy, insolvency, moratorium and other
     laws of general application affecting the enforcement of creditors' rights.
     The  reservation  for  potential  issuance of the  Borrower's  common stock
     pursuant  to the  terms of the Note have been  approved  by the  Borrower's
     Board of Directors.

          (b)  CAPITALIZATION;  SECURITIES.  All stock to be issued to Lender in
     connection  with this Agreement and the Note when issued in accordance with
     the terms of this Agreement and the documents  relating thereto and for the
     consideration  therein stated, will be duly and validly issued,  fully paid
     and   nonassessable   and,   assuming   the   accuracy   of  the   Lender's
     representations  and warranties  herein,  such  securities  will be free of
     restrictions  on transfer,  other than  restrictions on transfer under this
     Agreement and under applicable state and federal securities laws.

          (c)  FINANCIAL  CONDITION,   STATEMENTS  AND  REPORTS.  All  financial
     statements now or in the future delivered to Lender have been, and will be,
     prepared  in  conformity  with  generally  accepted  accounting  principles
     (except  for the  absence  of  footnotes  and  subject  to normal  year-end
     adjustments with respect to unaudited financial  statements,  and except in
     the  case of  projections  or  forecasts,  which  Borrower  represents  and
     warrants have been and will be prepared in good faith utilizing assumptions
     it believes  to be  reasonable).  All  financial  statements  now or in the
     future delivered to the Lender will fairly reflect the financial  condition
     of Borrower, at the times and for the periods therein stated.

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          (d) TAX RETURNS AND  PAYMENTS.  Borrower  has timely  filed,  and will
     timely file,  all tax returns and reports  required by applicable  law, and
     Borrower  has timely  paid,  and will timely  pay,  all  applicable  taxes,
     assessments,  deposits  and  contributions  now or in the  future  owed  by
     Borrower.  Borrower may,  however,  defer  payment of any contested  taxes,
     provided that Borrower (i) in good faith contests Borrower's  obligation to
     pay the taxes by appropriate proceedings promptly and diligently instituted
     and conducted,  (ii) notifies Lender in writing of the commencement of, and
     any  material  development  in, the  proceedings,  and (iii) posts bonds or
     takes any other steps required to keep the contested  taxes from becoming a
     lien upon any of the Collateral.

          (e) COMPLIANCE WITH LAW.  Borrower to its knowledge has complied,  and
     will comply in all material respects, with all provisions of all applicable
     laws and  regulations,  including,  but not limited to,  those  relating to
     Borrower's  ownership  of  real  or  personal  property,   the  conduct  of
     Borrower's  business,  and all  environmental  matters,  except  where  the
     failure to do so would not result in a Material Adverse Change.

          (f) INFORMATION. All information provided to Lender by or on behalf of
     Borrower  by a duly  authorized  officer  on or  prior  to the date of this
     Agreement is to the Borrower's knowledge,  true and correct in all material
     respects,  and, to the Borrower's  knowledge,  no  representation  or other
     statement made, previously,  now or hereafter, to Lender by or on behalf of
     Borrower by a duly authorized officer contains or will contain, at the time
     made, any untrue statement of a material fact or omits or will omit, at the
     time made,  any material  facts  necessary to make any  statements  made to
     Lender not misleading at the time made. For the purpose of this  paragraph,
     "information"  means written  information  that (i) relates to any material
     aspect of  Borrower's  business,  operations or financial  condition,  (ii)
     relates to Collateral,  (iii) which is provided by the Borrower to a Lender
     pursuant to this Agreement,  or (iv) is contained in the Borrower's reports
     filed  with  the  Securities  and  Exchange  Commission,  as  they  may  be
     supplemented, restated or amended from time to time.

          (g) INTELLECTUAL PROPERTY. Borrower to its knowledge is the sole owner
     of all  right,  title  and  interest  in and to all  Intellectual  Property
     necessary for its business as now conducted and as proposed to be conducted
     without any conflict with, or infringement with the rights of, others.  The
     Borrower has not received any communications  alleging that it has violated
     or, by conducting its business as proposed,  would violate any Intellectual
     Property  of any  other  Person.  Borrower  is not  aware  that  any of its
     employees is obligated under any contract (including licenses, covenants or
     commitments of any nature) or other agreement,  or subject to any judgment,
     decree,  or  order  of any  court  or  administrative  agency,  that  would
     interfere  with the use of such  employee's  best  efforts to  promote  the
     interest of Borrower or that would  conflict  with  Borrower's  business as
     proposed  to be  conducted.  Borrower  is not  aware  of any  violation  or
     infringement by a third party of any of its Intellectual Property. Borrower
     is not aware of any technological  development or product that would have a
     material adverse effect on its business or its Intellectual Property.

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     4.  USE OF  PROCEEDS.  Borrower  will  use the  proceeds  of the  Loan  for
retirement of debt and for general operating purposes. The net proceeds from the
Loan  are  intended  to be  used  by  the  Borrower  approximately  as  follows:
$1,300,000  to repay  existing  note-holders  of Borrower,  $1,900,000  to repay
outstanding  bridge  loans  to  the  Borrower,   and  the  balance  for  growth,
operations, and general working capital.

     5. RULE 144  REPORTING.  With a view to making  available to the Lender the
benefits  of  certain  rules and  regulations  of the  Securities  and  Exchange
Commission  ("SEC") which may permit the sale of Borrower's  common stock to the
public without registration, Borrower agrees to use its best efforts to:

          (a) Make and keep  public  information  available,  as those terms are
     understood  and  defined in SEC Rule 144 or any similar or  analogous  rule
     promulgated under the Securities Act of 1933 (the "Securities Act"), at all
     times while the Borrower's common stock is Publicly Traded; and

          (b) File  with the SEC,  in a timely  manner,  all  reports  and other
     documents  required of Borrower under the Securities  Exchange Act of 1934,
     as amended.

     6. CLOSINGS.

          (a) CLOSING DATE. The Loan shall be made at the closings (each closing
     is referred to herein as a  "Closing").  Each Closing  shall be held at the
     offices of  Richardson &  Associates,  233 Wilshire  Boulevard,  Suite 820,
     Santa Monica, California 90401 at a time and on a date mutually agreed upon
     by the Lender and the Borrower. Borrower will have the option to borrow all
     or any portion of the ten million dollar maximum Loan amount at one or more
     Closings at any time until the Maturity Date. Borrower will give the Lender
     three (3) Business  Days' prior written notice of a Closing and Lender will
     make the Loan requested,  up to the maximum aggregate Loan amount,  for all
     Closings (i.e., Ten Million Dollars), on each Closing. Interest will accrue
     only on the outstanding principal balance of the Note.

          (b) DELIVERY.  Subject to the terms of this Agreement, at each Closing
     the Borrower will deliver an executed Note to the Lender against payment of
     the purchase  price  therefor  by, at the option of the Lender,  a check or
     checks payable to the order of the Borrower or by wire transfer.

     7. EVENTS OF DEFAULT.  Any one or more of the following shall constitute an
Event of Default under the Notes:

          (a)  Borrower  shall fail to pay any  principal  of or interest on any
     Loans or any other monetary Obligations within five (5) Business Days after
     the date due; or

          (b) Borrower shall fail to comply with or perform any other  provision
     of this Agreement, the Loan Documents or any other non-monetary Obligation,
     which  failure is not cured within ten (10)  Business  Days after  Borrower
     receives written notice of such default from the Lender; or

                                      -4-
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          (c) Borrower shall materially breach any of Borrower's representations
     or  warranties  contained  in this  Agreement or any Loan  Document,  which
     breach is not cured within ten (10) Business Days after delivery of written
     notice of such breach is made by the Lender to the Borrower; or

          (d)  Dissolution,  termination  of  existence,  or  appointment  of  a
     receiver,  trustee or custodian, for all of the property of, assignment for
     the benefit of creditors by, or the  commencement  of any  proceeding by or
     against   Borrower  under  any  bankruptcy,   insolvency,   dissolution  or
     liquidation  law or  statute of any  jurisdiction,  now or in the future in
     effect  (except  that,  in  the  case  of a  proceeding  commenced  against
     Borrower,  Borrower  shall have 90 days after the date such  proceeding was
     commenced to have it dismissed).

     8. REMEDIES.

          (a) REMEDIES.  Upon the occurrence  and during the  continuance of any
     Event of  Default,  Lender may (at its  option),  do any one or more of the
     following,  without  notice  except for such notices as are required by law
     and  as  provided  in  this  Agreement,  subject  to  senior  liens  on the
     Collateral:  (a) accelerate and declare the Note and the other  Obligations
     to be  immediately  due,  payable,  and  performable,  notwithstanding  any
     deferred or installment  payments  allowed by any instrument  evidencing or
     relating  to  any  Obligation;  (b)  take  possession  of any or all of the
     Collateral  wherever it may be found;  (c) require Borrower to assemble any
     or all of the  Collateral  and  make  it  available  to  Lender  at  places
     designated  by  Lender  which  are  reasonably  convenient  to  Lender  and
     Borrower,  and to remove the  Collateral  to such  locations  as Lender may
     reasonably deem advisable;  (d) complete the processing,  manufacturing  or
     repair of any  Collateral  prior to a  disposition  thereof  and,  for such
     purpose and for the purpose of removal,  Lender shall have the right to use
     Borrower's  premises,  equipment and all other  property  without charge by
     Borrower; (e) collect,  receive, dispose of and realize upon any Investment
     Property;  (f)  demand  payment  of,  and  collect  any  Accounts,  General
     Intangibles or other Collateral; or (g) sell, lease or otherwise dispose of
     any of the  Collateral,  at one or more public or private sales, in lots or
     in bulk, for cash, exchange or other property, or on credit, and to adjourn
     any such sale from time to time without notice other than oral announcement
     at the time scheduled for sale. The exercise of remedies by the Lender with
     respect to the  Collateral  is subject to Lender's  compliance  with senior
     liens on said property of the Borrower.  All  reasonable  attorneys'  fees,
     expenses, costs, liabilities and obligations incurred by Agent with respect
     to the foregoing shall be added to and become part of the Obligations,  and
     shall be due on demand.

          (b)  APPLICATION OF PROCEEDS.  All proceeds  realized as the result of
     any sale or other  disposition of the Collateral shall be applied by Lender
     in the following order: (i) to the reasonable costs, expenses, liabilities,
     obligations  and attorneys'  fees incurred by Lender in the exercise of its
     rights  under  this  Agreement,  (ii) to the  interest  due upon any of the
     Obligations,  and (iii) to the  principal of the  Obligations.  Any surplus
     shall be paid to Borrower or other Persons legally  entitled  thereto,  and
     Borrower shall remain liable to the Lender for any  deficiency.  If Lender,
     in its good faith business  judgment,  directly or indirectly enters into a
     deferred payment or other credit transaction with any purchaser at any sale
     of  Collateral,  Lender shall have the option,  exercisable at any time, in

                                      -5-
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     its sole  discretion,  of either  reducing the Obligations by the principal
     amount of the purchase price or deferring the reduction of the  Obligations
     until the actual receipt by Lender of the cash therefor.

          (c)  REMEDIES  CUMULATIVE.  In addition to the rights and remedies set
     forth in this Agreement  relating to the Note, with respect to the Note the
     Lender  shall  have all the other  rights and  remedies  accorded a secured
     party  under  all  applicable  laws,  and under  any  other  instrument  or
     agreement  now or in the future  entered into between  Lender and Borrower,
     and all of such rights and remedies relating to the Note are cumulative and
     none is exclusive. Exercise or partial exercise by Lender of one or more of
     such rights or  remedies  shall not be deemed an  election,  nor bar Lender
     from  subsequent  exercise  or  partial  exercise  of any  other  rights or
     remedies.  The  failure or delay of Lender to  exercise  any such rights or
     remedies  shall not  operate as a waiver  thereof,  but all such rights and
     remedies  shall  continue  in  full  force  and  effect  until  all  of the
     Obligations  have been  fully  paid and  performed.  No Event of Default or
     exercise  of  rights or  remedies  as a result  thereof  shall  affect  any
     Lender's other rights under this Agreement,  all of which shall continue in
     full force and effect.

     9. WAIVERS AND AMENDMENTS.

          (a) The failure of Lender at any time or times to require  Borrower to
     strictly  comply with any of the  provisions of this Agreement or any other
     present or future agreement  between Borrower and Lender shall not waive or
     diminish any right of Lender later to demand and receive strict  compliance
     therewith.  Any waiver of any  default  shall not waive or affect any other
     default, whether prior or subsequent, and whether or not similar.

          (b)  No  amendment,  modification,   termination,  or  waiver  of  any
     provision  of any Loan  Document  to which  the  Borrower  is a party,  nor
     consent to any departure by the Borrower from any Loan Document to which it
     is a party,  shall in any event be  effective  unless  the same shall be in
     writing and signed by the Lender,  and then such waiver or consent shall be
     effective  only in the specific  instance and for the specific  purpose for
     which given.

          (c) Borrower waives demand,  protest,  notice of protest and notice of
     default or dishonor, notice of payment and nonpayment, release, compromise,
     settlement,  extension  or renewal  of any  commercial  paper,  instrument,
     account,  general  intangible,  document  or  guaranty  at any time held by
     Lender on which Borrower is or may in any way be liable,  and notice of any
     action taken by Lender, unless expressly required by this Agreement.

     10.  CONFIDENTIALITY.  In handling any confidential  non-public information
provided to Lender by Borrower,  Lender  shall  exercise the same degree of care
that it exercises  with respect to its own  proprietary  information of the same
types to maintain the  confidentiality  of the same,  except that  disclosure of
such  information  may be made (i) to Affiliates of Lender,  (ii) to prospective
transferees or purchasers of any interest in the Obligations, provided that they
have entered into a comparable  confidentiality  agreement with respect thereto,
(iii) as required by law, regulations,  rule or order, subpoena,  judicial order
or similar order  (provided  that, in the case of a subpoena,  judicial order or
similar order,  Lender shall,  if practical,  give written notice thereof to the
Borrower so that Borrower may take appropriate action to prevent such disclosure
if it wishes), (iv) as may be required in connection with the examination, audit
or similar investigation of Lender, and (v) as may be commercially reasonable in

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connection with the exercise of any remedies hereunder. Confidential information
hereunder  shall not  include  information  that  either:  (a) is in the  public
domain, or becomes part of the public domain, after disclosure to Lender through
no fault of its own; or (b) is disclosed  to Lender by a third  party,  provided
Lender does not have actual  knowledge that such third party is prohibited  from
disclosing such information.

     11. NOTICES.

          (a) GENERAL.  All notices under this Agreement shall be in writing and
     shall be deemed to have been given (a) upon receipt, when delivered by hand
     or by electronic  facsimile  transmission  if sent during  normal  business
     hours and, if not, then the next  Business  Day, or (b) upon receipt,  when
     delivered by overnight courier, or (c) five days after mailing by certified
     mail return  receipt  requested,  addressed to each party at the  addresses
     indicated below their signatures below.

          (b) NOTICES OF RECORD DATE. If the Borrower shall propose at any time:

               (i) to declare any dividend or distribution upon its common stock
          other than a distribution payable solely in common stock;

               (ii) to offer for  subscription  pro rata to the  holders  of any
          class or series of its  stock  any  additional  shares of stock of any
          class or series or other rights;

               (iii) to effect any  reclassification  or recapitalization of its
          common stock; or

               (iv) to merge or consolidate with or into any other  corporation,
          or sell,  lease or convey all or  substantially  all its  property  or
          business, or to liquidate, dissolve or wind up;

               then, in connection  with each such event  Borrower shall send to
          the Lender:

                    (1) at least 10 days'  prior  written  notice of the date on
               which a record shall be taken for such dividend,  distribution or
               subscription rights (and specifying the date on which the holders
               of common  stock  shall be entitled  thereto) or for  determining
               rights to vote in respect of the matters referred to in (iii) and
               (iv) above; and

                    (2) in the case of the matters referred to in (iii) and (iv)
               above,  at least 10 days' prior  written  notice of the date when
               the same shall take place (and  specifying  the date on which the
               holders of common  stock  shall be  entitled  to  exchange  their
               common stock for  securities or other property  deliverable  upon
               the occurrence of such event).

                                      -7-
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     12.  REPRESENTATIONS,  WARRANTIES  AND  AGREEMENTS  OF THE  LENDER.  Lender
represents  and  warrants to Borrower as of each Closing date and as of the date
the Lender acquires Borrower's Warrants or common stock as follows:

          (a) It has full power and authority and has taken all required  action
     necessary to permit it to execute and deliver and to carry out the terms of
     this Agreement and all other documents or instruments required hereby.

          (b) It is its present  intention  to acquire  each Note,  and that the
     Note, the securities  into which the Note is convertible and the securities
     purchased  pursuant  to  the  exercise  of  the  Warrant   (together,   its
     "Securities")  are  being  or will be  acquired  by it for the  purpose  of
     investment and not with a view to distribution.  Lender agrees that it will
     not sell or  transfer  any of its  Securities  without  registration  under
     applicable  federal  and state  securities  laws,  or the  availability  of
     exemptions  therefrom.  Lender  agrees that the  documents  evidencing  the
     Securities will each bear a restrictive  legend stating that the Securities
     represented  thereby have not been registered under applicable  federal and
     state   securities   laws   and   referring   to   restrictions   on  their
     transferability and sale.

          (c) It is an  "accredited  investor"  (as defined in Rule 501(a) under
     the  Securities  Act) and it  acknowledges  that it currently  has, and had
     immediately prior to each Loan hereunder,  such knowledge and experience in
     financial and business  matters that it is capable of evaluating the merits
     and risks of this  investment and further  acknowledges  that it is able to
     bear the  economic  risk of this  investment.  During  the  course  of this
     transaction and prior to the sale to the Lender of each Note hereunder,  it
     acknowledges  that it had the  opportunity to ask questions of, and receive
     answers  from,   management  of  the  Borrower  concerning  the  terms  and
     conditions of this  investment and to obtain any additional  information of
     the  same  kind  that is  specified  in  Rule  502 of  Regulation  D of the
     Securities  Act, or that is  necessary  to verify the accuracy of the other
     information  obtained.  It  has  received  such  information  as  it  deems
     necessary to enable it to make its investment decision.

     13.  GOVERNING LAW;  JURISDICTION;  VENUE.  This Agreement and all acts and
transactions  hereunder  and all rights and  obligations  of Lender and Borrower
shall be governed by the  internal  laws (and not the conflict of laws rules) of
the State of California.

     14. GENERAL. Should any provision of this Agreement be held by any court of
competent jurisdiction to be void or unenforceable, such defect shall not affect
the remainder of this Agreement,  which shall continue in full force and effect.
This Agreement and such other written  agreements,  documents and instruments as
may be  executed  in  connection  herewith  are the final,  entire and  complete
agreement   between   Borrower   and   Lender  and   supersede   all  prior  and
contemporaneous  negotiations and oral  representations  and agreements,  all of
which  are  merged  and  integrated  in  this  Agreement.   There  are  no  oral
understandings,  representations or agreements between the parties which are not
set forth in this Agreement or in other written agreements signed by the parties
in  connection  herewith.  Lender may assign all or any part of its  interest in
each Note and this  Agreement and the  Obligations  to any person or entity,  or
grant a  participation  in,  or  security  interest  in,  any  interest  in this
Agreement or each Note, without notice to, or consent of, Borrower. Borrower may

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not assign any rights under or interest in this  Agreement  without the Lender's
prior written  consent.  This Agreement  shall be binding upon, and inure to the
benefit of, the respective parties' heirs,  executors,  administrators,  assigns
and successors. This Agreement may be executed in two or more counterparts, each
of which  shall be deemed an  original,  but all of which shall  constitute  one
agreement.

     15. TERMINATION OF SECURITY INTEREST.  Upon all Notes being paid in full or
converted  into equity  securities  of the  Borrower as  provided  therein,  and
payment in full of all other  monetary  Obligations,  the Lender  shall take all
such actions as Borrower shall reasonably request to evidence the termination of
all security interests granted to the Lender.

     16.  TERMINATION OF CERTAIN  PROVISIONS.  All  representations in Section 3
shall cease to be continuing and shall  terminate on the date the Notes are paid
in full or converted into equity securities of the Borrower.

LENDER:                                       BORROWER:

SIENA INVESTMENT RESOURCES, LLC               ENVIRONMENTAL SERVICE
                                              PROFESSIONALS, INC.

By: /s/Goran Dragolovic                   By: /s/Edward L. Torres
    ----------------------------------        -----------------------------
    Goran Dragolovic, Managing Partner           Edward L. Torres,
                                                 Chief Executive Officer

      Address for notices:                    Address for notices:
      P.O. Box 11597                          1111 E. Tahquitz Canyon Rd., # 110
      Glendale, California 91226              Palm Springs, California 92262

                                      -9-

<PAGE>

                                    EXHIBIT A

                               CERTAIN DEFINITIONS

As used in this Agreement, the following terms have the following meanings:

1.   COLLATERAL RELATED DEFINITIONS.

     1.1  "Collateral" means all assets of Borrower,  including, but not limited
          to, all right, title and interest of Borrower in and to the following,
          whether  now owned or  hereafter  arising  or  acquired  and  wherever
          located:

          (a) All Accounts;

          (b) All Inventory;

          (c) All Equipment;

          (d)  All  General   Intangibles   (including  without  limitation  all
          Intellectual Property and Deposit Accounts);

          (e) All Investment Property;

          (f) All Other Property; and

          (g) Any and all claims,  rights and interests in any of the above, and
          all   guaranties   and  security  for  any  of  the  above,   and  all
          substitutions   and   replacements   for,    additions,    accessions,
          attachments,  accessories,  and  improvements  to,  and  proceeds  and
          insurance  proceeds  of, any of the above,  and all  Borrower's  books
          relating to any of the above.

     1.2  "Accounts"  means  "accounts"  as  defined in the  California  Uniform
          Commercial  Code in effect on the date hereof with such  additions  to
          such term as may hereafter be made,  and includes  without  limitation
          all accounts receivable and other sums owing to Borrower.

     1.3  "Deposit   Accounts"  means  "deposit  accounts"  as  defined  in  the
          California  Uniform  Commercial Code in effect on the date hereof with
          such  additions to such term as may  hereafter  be made,  and includes
          without  limitation  all  general and special  bank  accounts,  demand
          accounts,  checking  accounts,  savings  accounts and  certificates of
          deposit.

     1.4  "Equipment"  means  "equipment" as defined in the  California  Uniform
          Commercial  Code in effect on the date hereof with such  additions  to
          such term as may hereafter be made,  and includes  without  limitation
          all machinery, fixtures, goods, vehicles (including motor vehicles and
          trailers), and any interest in any of the foregoing.

                                      -1-
<PAGE>

     1.5  "General  Intangibles"  means "general  intangibles" as defined in the
          California  Uniform  Commercial Code in effect on the date hereof with
          such  additions to such term as may  hereafter  be made,  and includes
          without  limitation  all  Intellectual  Property,   Deposit  Accounts,
          royalties,  contract rights, goodwill, franchise agreements,  purchase
          orders,  customer lists, route lists, telephone numbers, domain names,
          claims,  income tax refunds,  security and other deposits,  options to
          purchase or sell real or personal  property,  rights in all litigation
          presently  or  hereafter   pending  (whether  in  contract,   tort  or
          otherwise),  insurance policies (including without limitation key man,
          property damage,  and business  interruption  insurance),  payments of
          insurance and rights to payment of any kind.

     1.6  "Intellectual  Property" means all (a) copyrights,  copyright  rights,
          copyright  applications,  copyright registrations and like protections
          in each  work of  authorship  and  derivative  work  thereof,  whether
          published or  unpublished,  (b) trade  secret  rights,  including  all
          rights  to  unpatented  inventions  and  know-how,   and  confidential
          information;  (c)  mask  work  or  similar  rights  available  for the
          protection of semiconductor  chips; (d) patents,  patent  applications
          and  like  protections  including  without  limitation   improvements,
          divisions,   continuations,   renewals,   reissues,   extensions   and
          continuations-in-part  of the same;  (e)  trademarks,  service  marks,
          trade styles, and trade names, whether or not any of the foregoing are
          registered,  and all applications to register and registrations of the
          same and like protections,  and the entire goodwill of the business of
          Borrower  connected  with and symbolized by any such  trademarks;  (f)
          computer  software and  computer  software  products;  (g) designs and
          design rights;  (h)  technology;  (i) all claims for damages by way of
          past,  present and future  infringement  of any of the rights included
          above;  (j) all licenses or other rights to use any property or rights
          of a type described above.

     1.7  "Inventory"  means  "inventory" as defined in the  California  Uniform
          Commercial  Code in effect on the date hereof with such  additions  to
          such term as may hereafter be made,  and includes  without  limitation
          all merchandise,  raw materials, parts, supplies, packing and shipping
          materials,  work in process and finished  products,  including without
          limitation such inventory as is temporarily out of Borrower's  custody
          or possession  or in transit and including any returned  goods and any
          documents of title representing any of the above.

     1.8  "Investment  Property"  means  all  investment  property,  securities,
          stocks, bonds,  debentures,  debt securities,  partnership  interests,
          limited liability company interests,  options,  security entitlements,
          securities accounts, commodity contracts,  commodity accounts, and all
          financial assets held in any securities account or otherwise, wherever
          located,  and all other securities of every kind, whether certificated
          or uncertificated.

     1.9  "Other  Property"  means the  following  as defined in the  California
          Uniform  Commercial  Code in  effect  on the  date  hereof  with  such

                                      -2-
<PAGE>

          additions  to such  term as may  hereafter  be  made,  and all  rights
          relating  thereto:   "documents",   "instruments",   "chattel  paper",
          "letters of credit", "fixtures", and "money".

2.   OTHER DEFINITIONS.

     2.1  "Affiliate"  means as to any Person,  any other Person who directly or
          indirectly controls, is under common control with, is controlled by or
          is a director or officer of such Person.  As used in this  definition,
          "control"  (including its  correlative  meanings,  "controlled by" and
          "under common control with") means possession, directly or indirectly,
          of the  power to  direct  or cause  the  direction  of  management  or
          policies   (whether   through   ownership  of  voting   securities  or
          partnership or other ownership  interests,  by contract or otherwise),
          provided  that,  in  any  event,  any  Person  who  owns  directly  or
          indirectly ten percent (10%) or more of the securities having ordinary
          voting power for the election of the members of the board of directors
          or other  governing  body of a corporation  or twenty percent (20%) or
          more of the  partnership  or other  ownership  interests  of any other
          Person (other than as a limited  partner of such other Person) will be
          deemed to control such corporation, partnership or other Person.

     2.2  "Business  Day"  means any day other  than a  Saturday,  Sunday or any
          other day on which  commercial  banks in Los Angeles,  California  are
          required or permitted by law to close.

     2.3  "Cash Equivalents' means (i) securities issued,  guaranteed or insured
          by the United  States or any of its agencies  with  maturities  of not
          more  than one  year  from the date  acquired;  (ii)  certificates  of
          deposit  with  maturities  of not more  than  one  year  from the date
          acquired,  issued by any U.S.  federal or state  chartered  commercial
          bank of recognized  standing which has capital and unimpaired  surplus
          in excess of  $100,000,000;  (iii)  investments  in money market funds
          registered  under the  Investment  Company Act of 1940; and (iv) other
          instruments,  commercial  paper or investments  acceptable to Agent in
          its sole discretion

     2.4  "Indebtedness" means (i) indebtedness or liability for borrowed money;
          (ii)  obligations  evidenced  by bonds,  debentures,  notes,  or other
          similar instruments; (iii) obligations for the deferred purchase price
          of  property  or  services   (including   trade   obligations);   (iv)
          obligations  as lessee under capital  leases;  (v)  obligations  under
          letters of credit; (vi) obligations under acceptance facilities; (vii)
          all guaranties,  endorsements (other than for collection or deposit in
          the ordinary course of business),  and other contingent obligations to
          purchase,  to provide funds for payment,  to supply funds to invest in
          any Person or entity,  or otherwise to assure a creditor against loss;
          and (viii) obligations of third parties secured by any Liens on assets
          of Borrower, whether or not the obligations have been assumed.

     2.5  "Investment"  means  as of the  date  of  determination  thereof,  any
          payment  or   contribution,   or  commitment  to  make  a  payment  or
          contribution,  to any Person including,  without limitation,  property
          contributed or committed to be  contributed  to any Person,  for or in

                                      -3-
<PAGE>

          connection   with  any  acquisition  of  any  stock,   bonds,   notes,
          debentures,  partnership  or other  ownership  interest  or any  other
          security or any evidence of indebtedness by reason of a loan, advance,
          extension  of credit,  guaranty or other  similar  obligation  for any
          debt, liability or indebtedness.

     2.6  "Lien" means any mortgage,  deed of trust, pledge,  security interest,
          hypothecation,  assignment,  deposit  arrangement,  encumbrance,  lien
          (statutory  or other),  or  preference,  priority,  or other  security
          agreement or preferential  arrangement,  charge, or encumbrance of any
          kind  or  nature  whatsoever  (including,   without  limitation,   any
          conditional  sale or other title  retention  agreement,  any financing
          lease  having  substantially  the same  economic  effect as any of the
          foregoing, and the filing of any financing statement under the Uniform
          Commercial Code or comparable law of any  jurisdiction to evidence any
          of the foregoing).

     2.7  "Loan  Document" means any present or future  document,  instrument or
          agreement  relating to this Agreement,  including  without  limitation
          each Note.

     2.8  "Material  Adverse  Change"  means (i) any effect  that is  materially
          adverse  to the scope of  Borrower's  business  or to the  results  of
          operations,  assets,  liabilities  or financial or other  condition of
          Borrower,  or (ii) the impairment of Borrower's ability to perform its
          Obligations  or of  Lenders'  ability to enforce  the  Obligations  or
          realize upon the Collateral, or (iii) a material adverse change in the
          value of the Collateral.

     2.9  "Person" means any individual, sole proprietorship, partnership, joint
          venture,    limited   liability   company,    trust,    unincorporated
          organization,   joint   stock   company,   association,   corporation,
          institution,  entity,  party or  government  (including  any division,
          agency or  department  thereof)  or any other  legal  entity,  whether
          acting  in  an  individual,  fiduciary  or  other  capacity,  and,  as
          applicable, the successors, heirs and assigns of each.

     2.10 "Publicly Traded" means that the Borrower's common stock is listed and
          trading  on the OTC  Bulletin  Board,  the  Nasdaq  Stock  Market or a
          national securities exchange.

     2.11 "Warrants" means warrants to purchase the Borrower's common stock that
          would be issued with the Borrower's  common stock upon a conversion of
          the Note into equity securities of the Borrower in accordance with the
          terms and conditions of the Note,  which warrants shall be exercisable
          for three years from the date of issue at an  exercise  price equal to
          $0.75 per share of the Borrower's common stock, subject to appropriate
          adjustment    for   stock    dividends,    stock    splits,    certain
          recapitalizations and similar extraordinary transactions.

                                      -4-
<PAGE>

                                    EXHIBIT B

                       Secured Convertible Promissory Note

<PAGE>
                      CONVERTIBLE SECURED PROMISSORY NOTE

$[ ]                                                               May [ ], 2008

                            Palm Springs, California

         FOR VALUE RECEIVED, Environmental Service Professionals, Inc., a Nevada
corporation  (the  "Borrower"),  hereby  promises  to pay to the  order of Siena
Investment  Resources,  LLC, a Delaware limited liability company  ("Lender") at
1111 East Tahquitz Canyon Way, Suite 110, Palm Springs,  California  92262,  the
principal sum of [ ] Dollars U.S. ($[ ]) plus simple interest at the rate of 10%
per annum,  payable  interest only in advance on the initial funding of the loan
evidenced by this Note for the ensuing  year,  and on each  anniversary  date of
said initial funding  thereafter in advance for the next ensuing year during the
term of this Note,  with all  principal  and all  accrued  but  unpaid  interest
payable  in full on April 30,  2011 (the  "Maturity  Date"),  to the  extent not
converted  into  Borrower's  equity  securities  pursuant to Paragraph 4 of this
Note.

         1.  SECURITY.  This Note is secured by an unperfected  junior  security
interest in all of the Borrower's assets (the  "Collateral").  Upon full payment
of this Note, as provided  elsewhere in this Note, the Lender shall  immediately
execute all documents and take all actions  necessary or appropriate in order to
release  the  security  interest  of this  Note  in the  Collateral.  While  the
Collateral is pledged as security for this Note, the Lender may foreclose on the
Collateral in the event of a default by the Borrower under this Note, subject to
senior liens and the  conditions in Paragraph 2 herein.  The Borrower shall have
no  right to have any  portion  of the  Collateral  released  from the  security
interest until the Note is repaid in full.

          2.  DEFAULT.  Any of the  following  shall  constitute  a  default  by
Borrower hereunder:

          (a)       The failure of Borrower to make any payment of  principal or
                    interest required hereunder within five (5) business days of
                    the  due  date  for  such  payment,  as it may  properly  be
                    extended pursuant to the terms of this Note; or

          (b)       The failure of Borrower to fully perform any other  material
                    covenants and agreements  under this Note and continuance of
                    such  failure for a period of ten (10)  business  days after
                    written notice of the default by Lender to the Borrower.

         Upon the occurrence of a default hereunder,  Lender may, at its option,
declare immediately due and payable the entire unpaid principal sum of this Note
together  with  all  accrued  and  unpaid  interest  owing  at the  time of such
declaration pursuant to this Note.

         3. RIGHT OF PREPAYMENT.  The Borrower will have the right to prepay all
or any portion of the outstanding  principal and/or interest on this Note at any
time upon three (3) business  days' prior written  notice to the Lender,  during
which time Lender may exercise its conversion  rights pursuant to Paragraph 4 of
this Note.

                                      -1-
<PAGE>

         4.  CONVERSION.  Lender  will  have the  right at any  time  until  the
Maturity  Date,  provided  Lender  gives  Borrower  written  notice of  Lender's
election to convert  prior to any  prepayment  of this Note by the Borrower with
respect to converting  that portion of this Note covered by the  prepayment,  to
convert all or any portion of up to 20% of the outstanding principal and accrued
interest  (the  "Conversion  Amount"),  into  such  number  of  fully  paid  and
nonassessable shares of the Borrower's common stock as is determined by dividing
the Conversion Amount by fifty-eight cents ($0.58). For each share of Borrower's
common stock so issued upon  conversion,  the Borrower will also issue to Lender
one warrant to purchase one  additional  share of Borrower's  common stock for a
purchase  price of $0.75 per share for a period of three  years from the date of
the issuance of the warrant. With respect to any shares of common stock obtained
by Lender through the conversion of this Note ("Registrable Securities"), if the
Borrower determines to register any of its securities for its own account, other
than a registration  relating to (a) any employee benefit plans, (b) a corporate
reorganization  or Rule 145 transaction or (c) any registration  form which does
not permit  secondary  sales, the Borrower shall promptly give written notice to
the Lender and include in such registration (and any related qualification under
blue sky laws) and in any underwriting involved therein, the number of shares of
Registrable  Securities specified in a written request made by the Lender within
ten (10) days after  receipt  of such  written  notice  from the  Borrower  (the
"Piggyback  Registration  Right").  Notwithstanding  anything else herein to the
contrary,  if  the  representative  of  the  underwriters  in  any  underwritten
registration  advises the Borrower in writing that marketing  factors  require a
limitation  of the number of  Registrable  Securities  to be  underwritten,  the
representative may exclude all Registrable  Securities from, or limit the number
of Registrable Securities to be included in, the registration and underwriting.

         5. NOTE IS  NONRECOURSE.  In the event that  Borrower  defaults on this
Note, Lender shall look solely to the assets of the Borrower for payment on this
Note,  and none of the  shareholders,  officers,  directors or affiliates of the
Borrower shall have any personal liability for payment hereunder.

          6.  COSTS  OF  COLLECTIONS.   Lender  shall  be  entitled  to  collect
reasonable  attorney's fees and costs from Borrower,  as well as other costs and
expenses reasonably incurred,  in curing any default or attempting collection of
any payment due on this Note.

          7.  RESTRICTION  ON  TRANSFER.  This  Note  shall  be  subject  to the
following restrictions:

         "This Note has been  purchased by means of a private  placement  exempt
from Federal  securities  registration  pursuant to Section 4(2) and Rule 506 of
the Securities Act of 1933, as amended,  and exempt from  California  securities
registration pursuant to Section 25102(f) of the California Corporate Securities
Act of 1968, as amended,  for  offerings  not  involving any public  offering or
solicitation.  This Note may not be sold,  assigned,  transferred  or  otherwise
disposed of to any person or entity until the Note has been registered  under an
effective   registration  statement  filed  with  the  Securities  and  Exchange
Commission,  or an opinion of counsel or other  evidence  acceptable to Borrower
has been obtained to the effect that such registration is not required."

          8.  PAYMENT.  This Note shall be payable in lawful money of the United
States.

          9. PLACE OF PAYMENT. All payments on this Note are to be made or given
to Lender at the  address  provided to Borrower or to such other place as Lender
may from time to time direct by written notice to Borrower.

                                      -2-
<PAGE>

         10.  WAIVER.  Borrower,  for itself and its  successors,  transfers and
assigns,  waives presentment,  dishonor,  protest, notice of protest, demand for
payment and dishonor in nonpayment  of this Note,  bringing of suit or diligence
of taking any  action to  collect  any sums  owing  hereunder  or in  proceeding
against any of the rights and properties securing payment hereunder.

         11.  SEVERABILITY.  If any  provision  of this Note or the  application
thereof to any persons or entities or  circumstances  shall,  to any extent,  be
invalid  or  unenforceable,  the  remainder  of this  Note  shall  not be deemed
affected thereby and every provision of this Note shall be valid and enforceable
to the fullest extent permitted by law.

         12. NO PARTNER. Lender shall not become or be deemed to be a partner or
joint  venturer with  Borrower by reason of any provision of this Note.  Nothing
herein shall  constitute  Borrower and Lender as partners or joint  venturers or
require  Lender to  participate  in or be  responsible  or liable for any costs,
liabilities, expenses or losses of Borrower.

         13.  GOVERNING  LAW AND  VENUE.  This  Note  shall be  governed  by and
construed solely in accordance with the laws of the State of California  without
giving effect to  applicable  conflict of laws  provisions.  Borrower and Lender
agree that the sole jurisdiction and venue for any litigation arising out of the
Note involving  Borrower or Lender shall be in the appropriate  federal or state
court located in Los Angeles County, California.

          14. NO WAIVER.  The failure to exercise  any rights  herein  shall not
constitute  a waiver of the right to exercise the same or any other right at any
subsequent time in respect of the same event or any other event.

          15. ENTIRE AGREEMENT.  This Facility contains the entire understanding
and agreement  between the parties with respect to the subject matter herein and
may not be altered or amended except by the written agreement of the parties.

         IN WITNESS  WHEREOF,  Borrower  has  executed  this Note as of the date
first hereinabove written.

BORROWER:                           Environmental Service Professionals, Inc.
                                    a Nevada corporation

                                    By:
                                         ---------------------------------------
                                           Edward L. Torres, President

LENDER:                             Siena Investment Resources, LLC
                                    a Delaware limited liability company

                                    By:
                                       -----------------------------------------
                                           Goran Dragolovic, Managing Partner

                                      -3-BA
            CREDIT CARD TRUST

            as
            Issuer

             

            
            CLASS A(2008-6) TERMS DOCUMENT

            
            dated as of May 15, 2008

            
            to

            
            AMENDED AND RESTATED BASERIES INDENTURE SUPPLEMENT

            
            dated as of June 10, 2006

            
            to

            
            SECOND AMENDED AND RESTATED INDENTURE

            
            dated as of October 20, 2006

             

            THE
            BANK OF NEW YORK

            as
            Indenture Trustee

             

             

            
                	
                            
                             

                        

            

             

             

            
            

            

            

            
                
                    	
                                
                                ARTICLE I

                                Definitions and Other Provisions of General
                                Application

                            
	
                                
                                Section 1.01.

                            	
                                
                                Definitions

                            	
                                
                                1

                            
	
                                
                                Section 1.02.

                            	
                                
                                Governing Law; Submission to Jurisdiction; Agent for
                                Service of Process

                            	
                                
                                5

                            
	
                                
                                Section 1.03.

                            	
                                
                                Counterparts

                            	
                                
                                6

                            
	
                                
                                Section 1.04.

                            	
                                
                                Ratification of Indenture and Indenture
                                Supplement

                            	
                                
                                6

                            
	
                                
                                ARTICLE II

                                The Class A(2008-6) Notes

                            
	
                                
                                Section 2.01.

                            	
                                
                                Creation and Designation

                            	
                                
                                7

                            
	
                                
                                Section 2.02.

                            	
                                
                                Specification of Required Subordinated Amount and
                                other Terms

                            	
                                
                                7

                            
	
                                
                                Section 2.03.

                            	
                                
                                Interest Payment

                            	
                                
                                7

                            
	
                                
                                Section 2.04.

                            	
                                
                                Calculation Agent; Determination of LIBOR

                            	
                                
                                8

                            
	
                                
                                Section 2.05.

                            	
                                
                                Payments of Interest and Principal

                            	
                                
                                8

                            
	
                                
                                Section 2.06.

                            	
                                
                                Form of Delivery of Class A(2008-6) Notes;
                                Depository; Denominations

                            	
                                
                                9

                            
	
                                
                                Section 2.07.

                            	
                                
                                Delivery and Payment for the Class A(2008-6)
                                Notes

                            	
                                
                                9

                            
	
                                
                                Section 2.08.

                            	
                                
                                Targeted Deposits to the Accumulation Reserve
                                Account

                            	
                                
                                9

                            
	
                                
                                ARTICLE III

                                Representations and Warranties

                            
	
                                
                                Section 3.01.

                            	
                                
                                Issuer's Representations and Warranties

                            	
                                
                                10

                            
	
                            	
                            	
                            	
                            

                

                

                

                 

                 

                 

                

                 

                
                

                

                

                
                THIS CLASS A(2008-6) TERMS DOCUMENT (this
                "Terms Document"), by and
                between BA CREDIT CARD TRUST, a statutory trust created under the laws of the State
                of Delaware (the "Issuer"),
                having its principal office at Rodney Square North, 1100 North Market Street,
                Wilmington, Delaware 19890, and THE BANK OF NEW YORK, a New York banking
                corporation, as Indenture Trustee (the "Indenture
                Trustee"), is made and entered into as of May 15,
                2008.

                 

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

                 

                
                ARTICLE I

                 

                
                Definitions and Other Provisions of General Application

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

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

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

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

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

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

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

                
                (g)         
                each capitalized term defined herein shall relate only to the Class
                A(2008-6) Notes and no other tranche of Notes issued by the Issuer;
                and

                
                     
                

                 

                 

                
                

                

                

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

                
                "Accumulation Reserve Funding
                Period" shall mean, (a) if the Accumulation Period Length
                is determined to be one (1) month, there shall be no Accumulation Reserve Funding
                Period and (b) otherwise, the period (x) commencing on the earliest to occur
                of (i) the Monthly Period beginning three (3) calendar months prior to the first
                Transfer Date for which a budgeted deposit is targeted to be made into the
                Principal Funding sub-Account of the Class A(2008-6) Notes
                pursuant to Section 3.10(b) of
                the Indenture Supplement, (ii) the Monthly Period following the first Transfer Date
                following and including the April 2011 Transfer Date for which the Quarterly Excess
                Available Funds Percentage is less than 2%, but in such event the Accumulation
                Reserve Funding Period shall not be required to commence earlier than 24 months
                prior to the Expected Principal Payment Date, (iii) the Monthly Period following
                the first Transfer Date following and including the October 2011 Transfer Date for
                which the Quarterly Excess Available Funds Percentage is less than 3%, but in such
                event the Accumulation Reserve Funding Period shall not be required to commence
                earlier than 18 months prior to the Expected Principal Payment Date, and (iv) the
                Monthly Period following the first Transfer Date following and including the
                December 2011 Transfer Date for which the Quarterly Excess Available Funds
                Percentage is less than 4%, but in such event the Accumulation Reserve Funding
                Period shall not be required to commence earlier than 16 months prior to the
                Expected Principal Payment Date and (y) ending on the close of business on the
                last day of the Monthly Period preceding the earlier to occur of (i) the
                Expected Principal Payment Date for the Class A(2008-6) Notes and (ii) the
                date on which the Class A(2008-6) Notes are paid in full.

                 

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

                 

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

                 

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

                 

                
                "Class A(2008-6)
                Note" means any Note, substantially in the form set forth
                in Exhibit A-1 to the Indenture
                Supplement, designated therein as a Class A(2008-6) Note and duly executed and
                authenticated in accordance with the Indenture.

                 

                
                "Class A(2008-6)
                Noteholder" means a Person in whose name a
                Class A(2008-6) Note is registered in the Note Register.

                 

                
                    	
                                
                                 

                            	
                                
                                2

                            

                

                 

                
                

                

                

                
                "Class A(2008-6) Termination
                Date" means the earliest to occur of (a) the
                Principal Payment Date on which the Outstanding Dollar Principal Amount of the
                Class A(2008-6) Notes is paid in full, (b) the Legal Maturity Date and
                (c) the date on which the Indenture is discharged and satisfied pursuant
                to Article VI
                thereof.

                 

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

                 

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

                 

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

                 

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

                 

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

                 

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

                 

                
                "Interest Payment
                Date" means the fifteenth day of each month, or if such
                fifteenth day is not a Business Day, the next succeeding Business Day, commencing
                June 16, 2008.

                 

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

                 

                
                "Issuance Date"
                means May 15, 2008.

                 

                
                "Legal Maturity
                Date" means October 15, 2015.

                 

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

                 

                
                    	
                                
                                 

                            	
                                
                                3

                            

                

                 

                
                

                

                

                
                "LIBOR Determination
                Date" means May 13, 2008 for the period from and
                including the Issuance Date to but excluding June 16, 2008, and for each Interest
                Period thereafter, the second London Business Day prior to the Interest Payment
                Date on which such Interest Period commences.

                 

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

                 

                
                "Note Interest
                Rate" means a per annum rate equal to 1.20% in excess of
                LIBOR as determined by the Calculation Agent on the related LIBOR Determination
                Date with respect to each Interest Period.

                 

                
                "Paying Agent"
                means The Bank of New York.

                 

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

                 

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

                 

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

                 

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

                 

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

                 

                
                    	
                                
                                 

                            	
                                
                                4

                            

                

                 

                
                

                

                

                
                "Required Accumulation Reserve sub-Account
                Amount" means, with respect to any Monthly Period during
                the Accumulation Reserve Funding Period, an amount equal to (i) 0.5% of the
                Outstanding Dollar Principal Amount of the Class A(2008-6) Notes as of the close of
                business on the last day of the preceding Monthly Period or (ii) any other amount
                designated by the Issuer;
                provided,
                however, that if such designation is of
                a lesser amount, the Note Rating Agencies shall have provided prior written
                confirmation that a Ratings Effect will not occur with respect to such
                change.

                 

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

                 

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

                 

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

                 

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

                 

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

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

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

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

                
                Section 1.02.     
                Governing Law; Submission to Jurisdiction; Agent for Service of
                Process. This Terms Document shall be governed by and
                construed in accordance with the laws of the State of Delaware, without regard to
                principles of conflict of laws. The parties hereto declare that it is their
                intention that this Terms Document shall be regarded as made under the laws of the
                State of Delaware and that the laws of said State shall be applied in interpreting
                its provisions in all cases where legal interpretation shall be required. Each of
                the parties hereto agrees (a) that this Terms Document involves at least
                $100,000.00, and (b) that this Terms Document has been entered into by the parties
                hereto in express reliance upon 6 DEL. C.
                § 2708.

                 

                
                    	
                                
                                 

                            	
                                
                                5

                            

                

                 

                
                

                

                

                
                Each of the parties hereto hereby irrevocably and unconditionally
                agrees (a) to be subject to the jurisdiction of the courts of the State of Delaware
                and of the federal courts sitting in the State of Delaware, and (b)(1) to the
                extent such party is not otherwise subject to service of process in the State of
                Delaware, to appoint and maintain an agent in the State of Delaware as such party's
                agent for acceptance of legal process, and (2) that, to the fullest extent
                permitted by applicable law, service of process may also be made on such party by
                prepaid certified mail with a proof of mailing receipt validated by the United
                States Postal Service constituting evidence of valid service, and that service made
                pursuant to (b)(1) or (2) above shall, to the fullest extent permitted by
                applicable law, have the same legal force and effect as if served upon such party
                personally within the State of Delaware.

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

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

                
                [END OF ARTICLE I]

                 

                
                    	
                                
                                 

                            	
                                
                                6

                            

                

                 

                
                

                

                

                
                ARTICLE II

                 

                
                The Class A(2008-6) Notes

                
                Section 2.01.     
                Creation and Designation. There is
                hereby created a tranche of BAseries Class A Notes to be issued pursuant to the
                Indenture and the Indenture Supplement to be known as the "BAseries Class A(2008-6)
                Notes."

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

                
                                                 (a)         
                     For the Class A(2008-6) Notes for any date of determination, the Class A
                    Required Subordinated Amount of Class B Notes will be an amount equal to
                    8.72093% of (i) the Adjusted Outstanding Dollar Principal Amount of the Class
                    A(2008-6) Notes on such date or (ii) if an Early Redemption Event with
                    respect to the Class A(2008-6) Notes shall have occurred, if an Event of
                    Default and acceleration of the Class A(2008-6) Notes shall have occurred or if
                    the Class A Usage of the Class B Required Subordinated Amount for such tranche
                    of Class A Notes is greater than zero, the Adjusted Outstanding Dollar
                    Principal Amount of the Class A(2008-6) Notes as of close of business on the
                    day immediately preceding the occurrence of such Early Redemption Event, such
                    Event of Default and acceleration or the date on which the Class A Usage of
                    Class B Required Subordinated Amount exceeded zero.
                

                
                     
                

                
                (b)          For
                the Class A(2008-6) Notes for any date of determination, the Class A Required
                Subordinated Amount of Class C Notes will be an amount equal to 7.55814% of (i) the
                Adjusted Outstanding Dollar Principal Amount of the Class A(2008-6) Notes on such
                date or (ii) if an Early Redemption Event with respect to the Class A(2008-6)
                Notes shall have occurred, if an Event of Default and acceleration of the Class
                A(2008-6) Notes shall have occurred or if the Class A Usage of the Class C Required
                Subordinated Amount for such tranche of Class A Notes is greater than zero, the
                Adjusted Outstanding Dollar Principal Amount of the Class A(2008-6) Notes as of
                close of business on the day immediately preceding the occurrence of such Early
                Redemption Event, such Event of Default and acceleration or the date on which the
                Class A Usage of Class C Required Subordinated Amount exceeded zero.

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

                
                Section
                2.03.         Interest
                Payment.

                
                                               
                    (a)          For each
                    Interest Payment Date, the amount of interest due with respect to the Class
                    A(2008-6) Notes shall be an amount equal to the product of (i)(A) a
                    fraction, the numerator of which is the actual number of days in the related
                    Interest Period and the denominator of which is 360, times (B) the Note
                    Interest Rate in effect with respect to the related Interest Period, times
                    (ii) the Outstanding Dollar Principal Amount of the Class A(2008-6) Notes
                    determined as of the Record Date preceding the related Transfer Date. Interest
                    on the
                

                 

                
                    	
                                
                                 

                            	
                                
                                7

                            

                

                 

                
                

                

                

                

                
                Class A(2008-6) Notes will be calculated on the basis of the actual
                number of days in the related Interest Period and a 360-day year.

                
                (b)          Pursuant
                to Section 3.03 of the Indenture
                Supplement, on each Transfer Date, the Indenture Trustee shall deposit into the
                Class A(2008-6) Interest Funding sub-Account the portion of BAseries Available
                Funds allocable to the Class A(2008-6) Notes.

                
                                               
                Section 2.04.      Calculation Agent;
                Determination of LIBOR.

                
                     
                

                
                (a)          The
                Issuer hereby agrees that for so long as any Class A(2008-6) Notes are Outstanding,
                there shall at all times be an agent appointed to calculate LIBOR for each Interest
                Period (the "Calculation
                Agent"). The Issuer hereby initially appoints the
                Indenture Trustee as the Calculation Agent for purposes of determining LIBOR for
                each Interest Period. The Calculation Agent may be removed by the Issuer at any
                time. If the Calculation Agent is unable or unwilling to act as such or is removed
                by the Issuer, or if the Calculation Agent fails to determine LIBOR for an Interest
                Period, the Issuer shall promptly appoint a replacement Calculation Agent that does
                not control or is not controlled by or under common control with the Issuer or its
                Affiliates. The Calculation Agent may not resign its duties, and the Issuer may not
                remove the Calculation Agent, without a successor having been duly
                appointed.

                
                (b)          On
                each LIBOR Determination Date, the Calculation Agent shall determine LIBOR on the
                basis of the rate for deposits in United States dollars for a one-month period
                which appears on Reuters Screen LIBOR01 Page as of 11:00 a.m., London time, on such
                date (or, for the first Interest Period, the rate that corresponds to the actual
                number of days in the first Interest Period). If such rate does not appear on
                Reuters Screen LIBOR01 Page, the rate for that LIBOR Determination Date shall be
                determined on the basis of the rates at which deposits in United States dollars are
                offered by the Reference Banks at approximately 11:00 a.m., London time, on that
                day to prime banks in the London interbank market for a one-month period. The
                Calculation Agent shall request the principal London office of each of the
                Reference Banks to provide a quotation of its rate. If at least two such quotations
                are provided, the rate for that LIBOR Determination Date shall be the arithmetic
                mean of the quotations. If fewer than two quotations are provided as requested, the
                rate for that LIBOR Determination Date will be the arithmetic mean of the rates
                quoted by four major banks in New York City, selected by the Beneficiary, at
                approximately 11:00 a.m., New York City time, on that day for loans in United
                States dollars to leading European banks for a one-month period.

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

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

                
                                               
                Section 2.05.     Payments of Interest and
                Principal.

                
                     
                

                 

                
                    	
                                
                                 

                            	
                                
                                8

                            

                

                 

                
                

                

                

                

                
                                                 
                    (a)         Any
                    installment of interest or principal, if any, payable on
                    any Class A(2008-6) Note which is
                    punctually paid or duly provided for by the Issuer and the Indenture Trustee on
                    the applicable Interest Payment Date or Principal Payment Date shall be paid by
                    the Paying Agent to the Person in whose name such Class A(2008-6) Note (or one
                    or more Predecessor Notes) is registered on the Record Date, by wire transfer
                    of immediately available funds to such Person's account as has been designated
                    by written instructions received by the Paying Agent from such Person not later
                    than the close of business on the third Business Day preceding the date of
                    payment or, if no such account has been so designated, by check mailed
                    first-class, postage prepaid to such Person's address as it appears on the Note
                    Register on such Record Date, except that with respect to Notes registered on
                    the Record Date in the name of the nominee of Cede & Co., payment shall be
                    made by wire transfer in immediately available funds to the account designated
                    by such nominee.
                

                
                     
                

                
                (b)          The
                right of the Class A(2008-6) Noteholders to receive payments from the Issuer will
                terminate on the first Business Day following the Class A(2008-6) Termination
                Date.

                
                Section 2.06.     
                Form of Delivery of Class A(2008-6) Notes; Depository;
                Denominations.

                
                (a)          The
                Class A(2008-6) Notes shall be delivered in the form of a global Registered Note as
                provided in Sections 202
                and 301(i) of the
                Indenture, respectively.

                
                (b)          The
                Depository for the Class A(2008-6) Notes shall be The Depository Trust Company, and
                the Class A(2008-6) Notes shall initially be registered in the name of Cede &
                Co., its nominee.

                
                (c)          The
                Class A(2008-6) Notes will be issued in minimum denominations of $5,000 and
                multiples of $1,000 in excess of that amount.

                
                Section 2.07.     
                Delivery and Payment for the Class A(2008-6)
                Notes. The Issuer shall execute and deliver the Class
                A(2008-6) Notes to the Indenture Trustee for authentication, and the Indenture
                Trustee shall deliver the Class A(2008-6) Notes when authenticated, each in
                accordance with Section 303 of
                the Indenture.

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

                
                [END OF ARTICLE II]

                 

                
                    	
                                
                                 

                            	
                                
                                9

                            

                

                 

                
                

                

                

                
                ARTICLE III

                 

                
                Representations and Warranties

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

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

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

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

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

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

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

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

                
                [END OF ARTICLE III]

                
                    	
                                
                                 

                            	
                                
                                10

                            

                

                 

                
                

                

                

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

                 

                
                BA CREDIT CARD TRUST,

                
                by BA CREDIT CARD FUNDING, LLC,

                
                as Beneficiary and not in its individual capacity

                 

                 

                
                    	
                                
                                 

                            	
                                
                                        
                                By:       /s/ Keith
                                W.
                                Landis          

                            	
                                
                                 

                            

                

                
                    	
                                
                                 

                            	
                                
                                Name: Keith W. Landis

                            

                

                
                    	
                                
                                 

                            	
                                
                                Title:

                            	
                                
                                Vice President

                            

                

                 

                 

                
                THE BANK OF NEW YORK, as Indenture Trustee

                
                and not in its individual capacity

                 

                 

                
                    	
                                
                                 

                            	
                                
                                        
                                By:       /s/
                                Catherine
                                Cerilles     

                            	
                                
                                 

                            

                

                
                    	
                                
                                 

                            	
                                
                                Name: Catherine Cerilles

                            

                

                
                    	
                                
                                 

                            	
                                
                                Title:

                            	
                                
                                Vice President

                            

                

                 

                 

                 

                 

                 

                 

                 

                 

                 

                 

                 

                 

                 

                 

                 

                 

                
                [Signature Page to the Class A(2008-6) Terms Document]

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