Document:

Agreement, by and between Atricure, Inc. and The Cleveland Clinic

 Exhibit 10.1 
 SUBCONTRACT BETWEEN 
 LEAD INSTITUTION 
 AND 
 SUBCONTRACTOR 
 UNDER BIOMEDICAL RESEARCH AND TECHNOLOGY TRANSFER (BRTT) TRUST FUND 
 AND THE WRIGHT
CAPITAL (WC) FUND AGREEMENT NUMBER TECH 05-066. 
 This AGREEMENT, dated as of June 1, 2006, by and between The Cleveland Clinic, Cleveland, Ohio,
hereinafter referred to as “LEAD INSTITUTION”, and AtriCure, Inc. whose principal place of business is West Chester, Ohio, hereinafter referred to as “SUBCONTRACTOR”, is for the purpose as hereinafter set forth. 
 WHEREAS, LEAD INSTITUTION is the recipient of the following award (hereinafter referenced to as the “PRIME AWARD” and attached hereto as Exhibit A) from the
State of Ohio, Department of Development (ODOD): 
  

			
	 Award Number:
	  	TECH 05-066
	 Project Sponsor:
	  	State of Ohio, Dept of Development
	 Project Title:
	  	Atrial Fibrillation Innovation Center
	 LEAD INSTITUTION Principal Investigator:
	  	Dr. Steve Nissen
	 SUBCONTRACTOR Principal Investigator
	  	David Drachman

 And WHEREAS, said PRIME AWARD involves an approved collaborative effort between the SUBCONTRACTOR and LEAD
INSTITUTION, where SUBCONTRACTOR has agreed to use its personnel, facilities, and reasonable efforts in the performance of the work, THEREFORE, the parties mutually agree as follows: 
 ARTICLE 1. STATEMENT OF WORK 
 The SUBCONTRACTOR shall supply all the necessary personnel and materials (except as otherwise
may be provided herein) to accomplish the tasks to be completed by the SUBCONTRACTOR set forth in the proposal attached to the PRIME AWARD, which by this reference is incorporated herein. 
 ARTICLE 2. PERIOD OF PERFORMANCE 
 The effective period of this AGREEMENT
shall commence June 6, 2005 and, subject to Article 19 of this AGREEMENT, terminate December 6, 2008, unless otherwise provided for by modification of this AGREEMENT, which shall be in writing and signed by all parties to this AGREEMENT.

 ARTICLE 3. LIMITATION ON COSTS 
 The total amount to be paid
by LEAD INSTITUTION to SUBCONTRACTOR for the cost of performing the tasks under Article 1 of this AGREEMENT will not exceed $857,464 for personnel and materials. LEAD INSTITUTION will acquire capital equipment, up to $2,409,667, in support of
SUBCONTRACTOR’S performance of the tasks under Article 1 of this AGREEMENT and SUBCONTRACTOR shall at all times have full unrestricted access to such equipment. LEAD 
  

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 INSTITUTION shall not, in the absence of a modification hereto, be obligated to reimburse the SUBCONTRACTOR for costs
which are in excess of the total amount specified in this article. The budget for which LEAD INSTITUTION has based this support is in the PRIME AWARD. 
 ARTICLE 4. CONTINUED SUPPORT 
 SUBCONTRACTOR reimbursement will be governed by Article 5 of the PRIME AWARD. The State of Ohio’s payment terms
for LEAD INSTITUTION will apply to the SUBCONTRACTOR. 
 ARTICLE 5. PROJECT DIRECTOR (LEAD INSTITUTION) 
 Dr. Steve Nissen, as the Principal investigator and representative of LEAD INSTITUTION, shall have the overall responsibility of the technical, scientific, and
programmatic aspects of the project funded by the State of Ohio. Any changes to the scope of work by the SUBCONTRACTOR must be approved in writing by Dr. Steve Nissen. 
 ARTICLE 6. PROJECT DIRECTOR (SUBCONTRACTOR) 
 The project director representing the SUBCONTRACTOR for the purpose of
technical direction in accordance with Article 1 shall be David Drachman. A change in the designated project director shall require the prior written approval of LEAD INSTITUTION, which approval shall not be unreasonably withheld or delayed.

 ARTICLE 7. USE OF FUNDS 
 The SUBCONTRACTOR is responsible for
ensuring that costs charged to this subcontract are necessary to advance the scope of work being funded and consistent with the PRIME AWARD, Article 5. 
 ARTICLE 8. PRIOR APPROVALS 
 Requests made by the SUBCONTRACTOR for revisions that require prior approval as set forth by this AGREEMENT and the
PRIME AWARD should be signed by both the SUBCONTRACTOR’s Principal investigator and by an authorized representative of SUBCONTRACTOR, and be delivered to the LEAD INSTITUTION, which will initiate the appropriate action required of the
situation. 
 ARTICLE 9. METHOD OF PAYMENT 
 SUBCONTRACTOR shall
submit two (2) copies of invoices no more frequently than monthly, for reimbursement of allowable costs incurred, to the following address: 
 Steve Girouard, PhD, Executive Director, Atrial Fibrillation Innovation Center (AFIC) 
 The Cleveland Clinic Foundation 

9500 Euclid Avenue, JJ4 
 Cleveland, Ohio
44195 
 Tel: (216)445-5906 
 girouas@ccf.org 
 Payments to SUBCONTRACTOR shall be made by LEAD INSTITUTION upon SUBCONTRACTOR’s written request. All invoices must
reference the LEAD INSTITUTION number TECH 05-066. and provide a breakdown of current charges and total to date charges, by major categories in such a way to allow comparison with SUBCONTRACTOR’s budget set forth in the PRIME AWARD. The
final invoice shall be submitted to LEAD INSTITUTION within forty-five (45) days after the termination date of this AGREEMENT. 
  

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 Per Article 5 of the PRIME AWARD, payments will be conditioned upon satisfactory progression of work as reasonably
determined by the LEAD INSTITUTION Principal Investigator, receipt of scheduled reports and other deliverables, a rate of expenditure of cost share no slower than and at least consistent with the annual cost share budgets referenced in the PRIME
AWARD, and compliance with the terms and conditions of this AGREEMENT. 
 ARTICLE 10. REPORTING REQUIREMENTS 
 SUBCONTRACTOR agrees to comply with the reporting requirements of the PRIME AWARD and to assist in the preparation of and/or render any reports that may be requested by
LEAD INSTITUTION’s Principal Investigator and/or Fiscal Officer that are needed to allow LEAD INSTITUTION to meet the State of Ohio’s reporting requirements. 
 All reports should be submitted to Steve Girouard, Executive Director, Atrial Fibrillation Innovation Center (AFIC) within the time period required. 
 ARTICLE 11. CONDITIONS OF AWARD 
 Subject to the terms of this AGREEMENT, the SUBCONTRACTOR agrees to comply with the
provisions set forth by the PRIME AWARD, incorporated herein as Exhibit A. To the extent there is a conflict between the terms of this AGREEMENT and the PRIME AWARD, this AGREEMENT shall govern. 
 ARTICLE 12. AUDIT 
 SUBCONTRACTOR agrees to maintain books, records, and
documents and other evidence pertaining to all costs and expenses incurred and revenues acquired under this AGREEMENT to the extent and in such detail as will properly reflect all costs and expenses of whatever nature for which reimbursement is
claimed. Upon reasonable written notice, the books of account and other records which are applicable to this AGREEMENT shall be available for inspection, review, and audit by LEAD INSTITUTION to determine proper application and use of all funds paid
to or for the account of benefit of SUBCONTRACTOR. 
 All costs incurred under this AGREEMENT are also subject to audit by the Project Sponsors’ audit
agency. The SUBCONTRACTOR agrees to give the Project Sponsors’ auditors access, upon reasonable written notice, to its records where necessary to support costs relating to the grant. If the State of Ohio determines that amounts received by the
SUBCONTRACTOR from the LEAD INSTITUTION pursuant to the terms of this AGREEMENT were used by SUBCONTRACTOR in a manner that was not permissible under the terms of the AGREEMENT or the PRIME AWARD (e.g., for fraudulent purposes) and LEAD
INSTITUTION is required by the State of Ohio to refund such amounts to the State of Ohio (and does refund such amounts), then SUBCONTRACTOR shall, upon the request of LEAD INSTITUTION, pay to the LEAD INSTITUTION all of such refunded amounts.

 LEAD INSTITUTION acknowledges and agrees that no third party shall be permitted to undertake or participate in an audit unless and until such third party
has entered into a confidentiality agreement, on terms reasonably acceptable to SUBCONTRACTOR. 
  

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 ARTICLE 13. EQUIPMENT ACCOUNTABILITY 
 Inventory accountability and disposition of equipment will be in accordance with PRIME AWARD. Upon termination of the grant, the SUBCONTRACTOR’s need for the equipment acquired under this AGREEMENT shall be taken into account when
determining disposition of title. Notwithstanding the foregoing, SUBCONTRACTOR shall at all times retain the right to use any and all equipment to which it has been given access under this AGREEMENT at such times and to such extent as SUBCONTRACTOR
deems necessary or desirable. 
 ARTICLE 14. PROTECTION OF HUMAN SUBJECTS 
 Should human subjects be used in research performed by the SUBCONTRACTOR, the SUBCONTRACTOR will comply with federal policies and regulations for the protection of human subjects. In addition to assuring that the
initial requirements for protection of human subjects are met, the SUBCONTRACTOR agrees to assure continued monitoring and compliance with these requirements during the course of this AGREEMENT. 
 ARTICLE 15. VERTEBRATE ANIMALS 
 Should warm-blooded animals be used in
research performed by the SUBCONTRACTOR, the SUBCONTRACTOR will comply with the applicable portions of the Animal Welfare Act (P.L. 99-158). 
 ARTICLE 16.
INTELLECTUAL PROPERTY 
 All rights to Intellectual Property pursuant to this AGREEMENT, including but not limited to, the legal rights relating to
inventions, patent applications, patents, copyrights, trademarks, mask works, trade secrets, and any other legally protectable information, including computer software, first made or generated during the performance of this AGREEMENT shall be
governed by Exhibit B hereto. 
 ARTICLE 17. CONFIDENTIALITY/PUBLICATION 
 Proprietary or confidential information of a party, disclosed by that party to the other in connection with this AGREEMENT shall be received and held in confidence by the receiving party and, except with the consent of the disclosing party
or as permitted under this AGREEMENT, neither used by the receiving party nor disclosed by the receiving party to others, provided that the receiving party has written notice that such information is regarded by the disclosing party as proprietary
or confidential. However, these confidentiality obligations shall not apply to use or disclosure by the receiving party after such information is or becomes known to the public without breach of this provision or is or becomes known to the receiving
party from a source reasonably believed to be independent of the disclosing party or is developed by or for the receiving party independently of its disclosure by the disclosing party. 
 It is understood that decisions concerning authorship of all publications resulting from the research conducted under this AGREEMENT will be made by mutual agreement between both parties prior to any such publication.
The publishing party shall notify the other party in writing to provide the other party with a sixty-day period in which to review proposed publications, identify proprietary or confidential information, and submit comments. The publishing party
shall not publish or otherwise disclose proprietary or confidential information identified by the other party and the publishing party will give full consideration to all comments before publication. Furthermore, upon the written request of the
reviewing party, publication will be deferred for up to ninety additional days for preparation and filing of a patent application which the reviewing party has the right to file or to have filed at its request by the publishing party. This Article
17 shall survive the expiration or earlier termination of this AGREEMENT. 
  

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 ARTICLE 18. LIABILITY 
 The
SUBCONTRACTOR is and will be acting as an independent contractor in the performance of this work, and it shall be solely responsible for the payment of any and all claims for loss, personal injury, death, property damage, or otherwise, arising out
of any act or omission of its employees or agents in connection with the performance of this work. 
 The SUBCONTRACTOR shall take out and maintain during
the life of this AGREEMENT such bodily injury, and property damage liability insurance as shall protect it from claims for damages for personal injury, including death, as well as from claims for property damage and general liability, which may
arise from its activities under this AGREEMENT in an amount not less than $5 million and CCF shall be named on such policy as a beneficiary thereof. 
 Each
party will indemnify and hold the other harmless from any claim, suit, loss, cost, damage, liability or expense arising out of the first party’s use of any information or results from the Research Program. This obligation shall survive the
expiration or earlier termination of this AGREEMENT. 
 Neither the SUBCONTRACTOR, its employees, or assignees shall be deemed employees of LEAD INSTITUTION
while performing under this AGREEMENT. 
 ARTICLE 19. TERMINATION 
 LEAD INSTITUTION or SUBCONTRACTOR may terminate this AGREEMENT at any time by giving 30 days prior written notice. Upon written notice, SUBCONTRACTOR shall refrain from incurring any additional costs under this AGREEMENT and shall use its
best efforts to cancel commitments made by it prior to the receipt of such a notice. Termination shall not affect any commitments which have properly become legally binding prior to the revised termination date and which could not have been
reasonably cancelled by SUBCONTRACTOR. LEAD INSTITUTION also acknowledges and agrees that termination of this AGREEMENT shall not obligate SUBCONTRACTOR to refund any amounts received by SUBCONTRACTOR in respect of this AGREEMENT. 
 ARTICLE 20. REPRESENTATION 
 Representatives of the Parties to this
Collaboration are as follows: 
 A. For LEAD INSTITUTION 
 I. Research Issues – Dr. Steven Nissen Tel: (216) 445-9490 
 II. Fiscal Issues - Steven Girouard Tel: (216) 445-5906

 III. Contract Issues - Jacqueline Whatley Tel: (216) 445-3853 
 B. For SUBCONTRACTOR 
 I. Research Issues - David Drachman Tel: (513) 755-5758 
 II. Fiscal Issues - David Drachman 
 III.
Contract Issues - David Drachman 
 ARTICLE 21. MISCELLANEOUS 
 This AGREEMENT shall be construed under the laws of the State of Ohio. 
 Any changes to this AGREEMENT must be in writing and signed by both
parties. 
 This AGREEMENT may be executed by facsimile and in any number of counterparts, each of which when so executed shall be deemed to be an original
and all of which taken together shall constitute one and the same agreement. 
  

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 IN WITNESS WHEREOF, the parties have caused this AGREEMENT to be executed on their behalf by a duly
authorized representative on the date set forth above. 
  

							
	THE CLEVELAND CLINIC FOUNDATION	    	ATRICURE, INC
				
	BY:	 	 /s/ Jacqueline Whatley
	    	BY:	 	 /s/ David Drachman

	NAME:	 	Jacqueline Whatley	    	NAME:	 	David Drachman
	TITLE:	 	Senior Director Office of Sponsored Research	    	TITLE:	 	President & CEO
		 		    		 	July 18, 2006

  

			
		 	

  

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 EXHIBIT A 
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 GRANT AGREEMENT 
 This Grant Agreement (the “Agreement”) is made and entered into by and between the State of Ohio, Department of Development (hereinafter
referred to as the “Grantor”), and Cleveland Clinic Foundation (hereinafter referred to as the “Grantee”). This agreement shall have the ODOD Agreement Number of TECH 05-066. 
 STATEMENT OF THE AGREEMENT 
 NOW,
THEREFORE, in consideration of the foregoing and the mutual promises and covenants hereinafter set forth, the Grantee and Grantor (hereinafter jointly referred to as the “Parties”) hereby agree as follows: 
 Article 1 - Authority to Award 
  

	1.1	The Grantor is authorized to make grant awards of the Biomedical Research and Technology Transfer (BRTT) Trust Fund by O.R.C. 184.02 (B) (3) and of the Wright Capital (WC)
Fund by H.B.675 and S.B. 189. 

 Article 2 - Incorporation 
  

	2.1	Exhibit I, the Request for Proposal (RFP), is not attached hereto but is incorporated herein as referenced. Exhibit II, Grantee’s Proposal and Budget as amended (hereinafter
referred to as “Project”), is not attached hereto but is incorporated herein as referenced. 

  

	2.2	If provisions between the documents comprising the Agreement conflict, the order of preference for authority of the documents is as follows: 

  

	 	1.	The documents and materials incorporated by reference in the Agreement; 

  

	 	2.	The RFP, as amended; 

  

	 	3.	The documents and materials incorporated by reference in the RFP; 

  

	 	4.	The Grantee’s Proposal and Budget, as amended; and 

  

	 	5.	The documents and materials incorporated by reference in the Grantee’s Proposal and Budget, as amended. 

 Article 3 - Grant of Funds 
  

	3.1	Grantor hereby grants Biomedical Research and Technology Transfer Trust Funds to Grantee in the amount of Eight Million and No/100 Dollars ($8,000,000.00) (the “BRTT
Funds”), and Wright Capital Funds to Grantee in the amount of Fourteen Million Nine Hundred Eighty Nine Thousand Eight Hundred Forty Seven and No/100 Dollars ($14,989,847.00) (the “WC Funds”) for the purposes set forth in Exhibit II.
In return for said BRTT and WC Funds, Grantee agrees to provide the amount of Forty Five Million Six Hundred Thirty Five Thousand Nine Hundred Sixty Four and No/100 Dollars ($45,635,964.00) in cost share in support of and as outlined in Exhibit II.
Where applicable and appropriate, the BRTT and WC Funds shall be referred to as the “Funds”. 

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	3.2	Payment of WC Funds shall be made available to the Grantee utilizing the State Controlling Board process as set forth in Exhibit V. 

  

	3.3	Payment of BRTT Funds shall be made by Grantor upon Grantee’s written request. Grantor shall determine the format and content of a request for payment. Payments shall be paid
to Grantee upon receipt and approval by Grantor of Grantee’s invoices, quarterly reports, and other documentation in accordance with Exhibit II. The Grantee may begin invoicing, no more frequently than monthly, as costs are incurred. Payments
are also conditioned upon the satisfactory progression of work, receipt by Grantor of Grantee’s scheduled reports and other deliverables, a rate of expenditure of cost share consistent with the annual cost share budgets in Exhibit II, and
compliance with the terms and conditions of this Agreement. Five percent (5%) of the total amount of BRTT Funds will be withheld until Grantor’s receipt and approval of Grantee’s final reports and completion of the Project.

  

	3.4	Grantee shall use the Funds granted pursuant to this Agreement, any and all program income, as well as any proposed cost share for obligations incurred in the performance of the
Project. All expenditures shall be supported by contracts, invoices, vouchers, and other data as appropriate, evidencing the costs incurred. If the Funds and any and all interest income are not expended in accordance with the terms, conditions and
time period set forth in this Agreement or the total amount of the Funds and any and all interest income exceeds the eligible costs of the Project, the amount improperly expended or not expended shall be returned to the Grantor within ninety
(90) days after the expiration or termination of this Agreement. 

  

	3.5	Expenditure of the WC Funds shall comply with Ohio Revised Code Section 151.01 and 151.04. Expenditure of any BRTT Funds related to travel shall comply with the allowability
provisions and reimbursement rates contained in Ohio Administrative Code 126.1.02. Expenditures in excess of allowable charges shall not be submitted by Grantee for payment. Any reimbursed expenditures found to be disallowable under OAC 126.1.02
will be returned by Grantee to Grantor. Ohio Revised Code 183.31(C) requires that Grantee shall expend no more than ten (10) percent of the BRTT Trust Funds amount on administrative expenses. Administrative expenses are all overhead and
indirect costs that are necessary to the operation of the program, but does not include salary or personnel expenses. 

  

	3.6	Any equipment purchased or built for the execution of the Project shall become the property of Grantee upon acquisition. Notwithstanding the above, during the Term of the Agreement
misuse or nonuse of equipment or items purchased with WC Funds may require repayment of WC Funds as determined by the Grantor. BRTT Funds may not be used for equipment or capital costs. 

  

	3.7	The WC and BRTT Funds shall be deposited and maintained in separate accounts upon the books and records of Grantee (the “Accounts”). Grantee shall keep all records of the
Accounts in a manner consistent with generally accepted accounting principles. Grantee further acknowledges that Grantor or its agents may review Grantee’s books and records of the Accounts during normal hours of operation and upon seventy-two
(72) hours notice. All disbursements from the Accounts shall be for obligations incurred in the performance of this agreement and shall be supported by contracts, invoices, vouchers, and other data, as appropriate, evidencing the necessity of
such expenditure. 

  

					
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	3.8	Acceptance of this Agreement by Grantee certifies that the necessary cost share will be available to the Project as outlined in Exhibit II. All cost share shall be in accordance
with the guidelines set forth in Exhibit III, “Cost Share Guidelines”, attached hereto. If Grantee determines or has reason to believe that a cost share commitment will not be honored as set forth under the terms of this Agreement, the
Grantee shall notify the Grantor immediately in writing. Provided the Grantee can substitute cost share of equal or greater value from its own or other sources, Grantor will not consider the change of the source of cost share as a failure to perform
under this Agreement. However, if the Grantee is not able to provide the required cost share commitment in accordance with the Agreement, Grantor may terminate the grant pursuant to Article 16 of this Agreement or reduce the amount of Funds granted
to the Grantee under this Agreement in proportion to the cost share not provided. 

 Article 4 – Term of Agreement 
  

	4.1	This Agreement shall be effective on June 6, 2005. Grantee shall complete the Project and incur all allowable costs within three (3) years of the Effective Date of this
Agreement (hereinafter referred to as the “Project Completion Date”). This Agreement shall expire five (5) years after that Project Completion Date (hereinafter referred to as the “Expiration Date”). The period of time from
the Effective Date until the Project Completion Date shall be referred to as the “Project Period.” In addition, the “Term of the Agreement” shall hereinafter refer to the period of time from the Effective Date until the
Expiration Date. 

 Article 5 - Reports 
  

	5.1	Grantee shall submit to Grantor all of the fiscal and programmatic reports as specified in Exhibit IV, “Reports” attached to and incorporated herein.

  

	5.2	Grantee shall establish and maintain for at least three (3) years from the Termination of this Agreement, as set forth in Section 16 herein, or the Expiration Date of this
Agreement, as applicable, such records as are required by Grantor, including but not limited to, financial reports, intake and participant information, and all other relevant information. 

 Article 6 - Intellectual Property 
  

	6.1	Subject to the terms and conditions of this Agreement, all rights and title to Intellectual Property emanating from this Project shall belong to Grantee. 

 

	6.2	Grantee will promptly notify Grantor of any Intellectual Property conceived or developed during the Project Period as part of this Project. Such notification shall either be made in
a manner so as not to constitute full public disclosure or otherwise jeopardize the Intellectual Property’s patentability, or after Grantee takes reasonable steps to protect its ownership interest in any such Intellectual Property. Grantee
shall keep Grantor advised as to all material developments with respect to such patent application(s) or copyright registrations. 

  

					
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	6.3	Grantee shall insure that a reasonable portion of any financial benefits derived from any technological developments emanating from this Project accrues to the Grantee. Nothing
herein shall prohibit other contributors to the technology development activities from receiving a portion of the financial benefits if it is reasonable in the view of the financial or other type of investment of such contributors in the
commercialization of the technology. The factors to be evaluated in determining a reasonable portion of the financial benefit may include, but are not limited to, the level of investment capital needed to commercialize the technology, the length of
time necessary for commercialization and additional related services provided by other contributors. Any licenses, options to licenses or other agreement to exploit commercially any technology developed by the Grantee as a result of funding provided
by this Agreement shall include suitable provisions to assure that such commercial exploitation shall create jobs and business opportunities and produce the most beneficial long term benefits to Ohioans to the fullest extent possible. Such economic
development benefits for Ohio shall factor significantly as a criterion in Grantee’s selection process for a potential licensee. 

 Article 7 - Publicity 
  

	7.1	Neither Party shall use the name of the other in any form of advertising or promotion without the prior written approval of the other. The Grantee will, however, acknowledge The
Third Frontier Commission and The Ohio Department of Development’s support for the Project. In any such statement, the relationship of the parties shall be accurately and appropriately described. 

 Article 8 - Publication 
  

	8.1	Grantor recognizes that the results of the Project must be publishable and agrees that the Grantee’s Researchers engaged in the Project shall be permitted to present at
symposia, national, or regional professional meetings, and to publish in journals, theses or dissertations, or others of their own choosing, the methods and results of the Project. Grantee shall furnish Grantor a copy of any proposed publication
prior to the time of its submission to a journal, editor, or other third party. Grantor shall have thirty (30) days, after receipt of said copy, to submit comments regarding proposed publication to which Grantee shall give due consideration.

  

	8.2	Any publication, study or report prepared by Grantee or its agents as part of this Grant or using information generated through this Grant shall include the following credit and
disclaimer statement: “This publication (study or report) was prepared under a grant from the State of Ohio, Department of Development. The content reflects the views of the Cleveland Clinic Foundation and does not necessarily reflect
the views of the State of Ohio, Department of Development or the Third Frontier Commission.” 

 Article 9 - Semi-annual Review

  

	9.1	On a semi-annual schedule, or as otherwise needed, the Grantee will meet with the Grantor to review developmental milestones of the Project and explore opportunities to access
state-supported programs that provide funding, infrastructure, and services critical to advancing the research and commercialization goals of the Project. 

  

					
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 Article 10 - Revisions, Modifications, or Amendments 
  

	10.1	Either Party may at any time during the term of this Agreement request amendments or modifications. Requests for amendment or modification of this Agreement shall be in writing and
shall specify the requested changes and the justification of such changes. The parties shall review the request for modification in terms of the regulations and goals relating to the Project. Should the parties consent to modification of the
Agreement, then an amendment shall be drawn, approved, and executed in the same manner as the original agreement. 

  

	10.2	Grantee shall obtain prior written approval from Grantor for any of the following reasons: 

  

	 	1.	Change in Project scope or objectives. 

  

	 	2.	Change in key personnel as listed in Exhibit II. 

  

	 	3.	Absence of greater than ninety (90) days or a 25% reduction in time of the Principal Investigator or a Co-Investigator. 

  

	 	4.	Proposed budget revisions/reallocations resulting in excess of a 10% variance in a budget line item or the creation of new budget categories. This requirement applies to the Funds
as well as Cost Share funds. 

  

	 	5.	Additional time/no cost extensions or other significant delays. 

  

	 	6.	Conducting, displacing, transferring, or subcontracting any of the work under Exhibit II outside the State of Ohio. 

  

	 	7.	The substitution or addition of a subcontractor or collaborator not already mentioned or budgeted for in Exhibit II, or the removal of a subcontractor already budgeted for in
Exhibit II. 

  

	10.3	Grantor retains the right to reject any request for revision in any category noted above. Grantee agrees that it will absorb any and all costs associated with a subsequent technical
review required of any such request, whether the revision is approved or not. 

 Article 11 - Compliance with Law 
  

	11.1	Grantee agrees to comply with all applicable federal, state and local laws in the conduct of the work hereunder. Grantee and its employees are not employees of the Grantor with
regard to the application of the Fair Labor Standards Act minimum wages and overtime payments, Federal Insurance Contribution Act, the Social Security Act, the Federal Unemployment Tax Act, the provisions of the Internal Revenue Code and for state
revenue and tax laws, state workers’ compensation laws and state unemployment insurance laws. Grantee accepts full responsibility for payment of all taxes including without limitation, unemployment compensation insurance premiums, all income
tax deductions, social security deductions, and any and all other taxes or payroll deductions required for all employees engaged by Grantee in the performance of the work authorized by this Agreement. 

  

					
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	11.2	Grantee has reviewed Ohio’s ethics laws (Revised Code Chapter 102 and §§2821.42 and 2921.43) and certifies that the ethics laws do not prohibit Grantee from executing
this Agreement. 

  

	11.3	Grantee shall comply with all applicable federal, state, and local laws regarding smoke free and drug free work places and shall make a good faith effort to ensure that any of its
employees or permitted subcontractors engaged in the work being performed hereunder do not purchase, transfer, use or possess illegal drugs or alcohol or abuse prescription drugs in any way. 

  

	11.4	The validity and interpretation of this Agreement and the legal relationship of the Grantee and Grantor shall be governed by the laws of the State of Ohio. 

 

	11.5	In all cases in which activities involving human subjects are planned, the Grantee must abide by the federal and State of Ohio rules and regulations governing studies of human
subjects at the participating organizations. Grantee certifies that Institutional Review Board (IRB) approval for this Project is current (within one year of the effective date of this agreement). IRB approval shall be renewed each year the Project
is active. Any modifications in the Program Plan section of the Proposal must be approved by the IRB. Grantee certifies that its human subject policies and procedures are compliant with the Code of Federal Regulations Title 45, Part 46.

  

	11.6	In all cases in which activities involving animal subjects are planned, the Grantee must abide by the federal and State of Ohio rules and regulations governing studies of animal
subjects at the participating organizations. Grantee certifies that Institutional Animal Care and Use Committee (IACUC) approval for this Project is current (within three years of the effective date of this agreement). IACUC approval shall be
renewed every three years the Project is active. Any modifications in the Program Plan section of the Proposal must be approved by the IACUC. Grantee certifies that its animal subject policies and procedures are compliant with US Code Title 7,
Sections 2131-2156. 

  

	11.7	Grantee affirmatively covenants that it does not owe: (1) any delinquent taxes to the State of Ohio (the “State”) or a political subdivision of the State;
(2) any moneys to the State or a state agency for the administration or enforcement of any environmental laws of the State; and (3) any other moneys to the State, a state agency or a political subdivision of the State that are past due,
whether the amounts owed are being contested in a court of law or not. 

  

	11.8	Grantee affirmatively covenants that it has made no false statements to Grantor in the process of obtaining this grant of Funds. If Grantee has knowingly made a false statement to
Grantor to obtain this grant of Funds, Grantee shall be required to return all Funds immediately pursuant to Ohio Revised Code Section 9.66(C)(2) and shall be ineligible for any future economic development assistance from the State, any state
agency or a political subdivision pursuant to O.R.C. Section 9.66(C)(1). Any person who provides a false statement to secure economic development assistance may be guilty of falsification, a misdemeanor of the first degree, pursuant to O.R.C.
2921.13(D)(1), which is punishable by a fine of not more than $1,000.00 and/or a term of imprisonment of not more than six months. 

  

					
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 Article 12 - Conflicts of Interest 
  

	12.1	Grantee certifies that there is in effect an administrative process to identify and resolve financial conflicts of interest that may affect the objectivity of the research to be
conducted under this Agreement. Grantee will inform the Grantor in writing of all conflicting financial interests that have been identified with a description of how they have been resolved to protect the Project from bias. Grantee certifies that
its conflict of interest policies and procedures are compliant with Code of Federal Regulations Title 45, Part 94 as well as Ohio Revised Code Sections 102.03, 2921.42-43, and 3345.14. 

 Article 13 - Indemnification 
  

	13.1	Grantee agrees to hold Grantor harmless from any and all liabilities or claims caused by or resulting from Grantee’s performance of the obligations or activities in furtherance
of the Project. Grantee will reimburse Grantor for any judgments arising from Grantee’s actions or inactions, which may be obtained against Grantor, including, but not limited to, judgments for infringements of patents or copyrights. Grantee
agrees to reimburse Grantor for all costs incurred by Grantor in defending any such claims or legal actions if called upon by Grantor to do so. 

 Article 14 - Confidentiality 
  

	14.1	Ohio has adopted the Uniform Trade Secrets Act, which prohibits the disclosure of information determined to be a “trade secret” as defined in
Section 1333.61(D) of the Ohio Revised Code (ORC). Any information submitted to the Grantor shall be considered public information and shall be released if requested unless it is determined to be a “trade secret”. Any information
submitted, to the Grantor, considered by the Grantee to be a “trade secret” must be clearly marked as such. Every report, deliverable or other submission containing “trade secret” information must contain a page that lists each
page in the submission that includes trade secret information and the number of occurrences of trade secret information on that page. Identify each and every occurrence of the information within the submission with an asterisk before and after each
line containing the trade secret information and underline the trade secret information itself. 

 Article 15 - Notices 
  

	15.1	Any notice or report required or permitted to be given under this Agreement shall be deemed to have been sufficiently given for all purposes if mailed by first class certified or
registered mail to the following addresses of either party: 

  

					
	CCF	  	TECH 05-066	 	Page 7 of 11

 WROIPV 
 Grantor: 
 Grant Administration 
 Technology Division 
 Ohio Department of Development 
 77 South High Street, 25th Floor 
 Columbus, Ohio 43215-6130 
 614.466.3887 
 And 
  

			
	Grantee Technical:	  	Grantee Administrative:
		
	Eric Topol, M.D.	  	Jacqueline Whatley
	Cleveland Clinic Foundation	  	Cleveland Clinic Foundation
	9500 Euclid Avenue	  	9500 Euclid Avenue
	Cleveland, Ohio 44195	  	Cleveland, Ohio 44195
	216-445-9490	  	216-445-3853
	topole@ccf.org	  	whatlej@ccf.org

  

			
	FTI#: 340714585	  	Add Code: 01

 or to such other addresses as shall hereafter have been furnished by written notice to the other
party. 
 Article 16 - Termination 
  

	16.1	Termination for Absence of Principal Investigator. In the event the Principal Investigator of the Project is unavailable or unable to continue direction of the Project for a
period in excess of ninety (90) days, Grantee shall notify the Grantor in writing and may nominate a replacement; if Grantee does not nominate a replacement or if that replacement is unsatisfactory to Grantor, Grantor may immediately terminate
this Agreement upon thirty (30) days written notice, and the Agreement will thereby be terminated. Within sixty (60) days after termination of this Agreement as set forth in this Article 16.1, Grantee shall provide Grantor with a Closeout
Report setting forth the total expenditure of the Funds by Grantee and the status of the Project at the time of termination. In addition, the Grantor shall reimburse Grantee for all allowable expenses as set forth in Exhibit II as well as
noncancellable commitments incurred as of the date of termination but not to exceed the total amount of the Funds. 

  

	16.2	 Notice of Default. In the event Grantee fails to perform satisfactorily any requirements of this Agreement, fails to use reasonable diligence in its
performance, or fails to complete the Project as set forth in Exhibit II, the Grantor may terminate this Agreement after providing Grantee with written notice, in accordance with the notice provisions of this Agreement, (the “Notice”). The
Notice shall itemize the defaults and provide Grantee with a forty-five (45) day period to cure any and all defaults under this Agreement as set forth in the Notice. During the forty-five 

  

					
	CCF	  	TECH 05-066	 	Page 8 of 11

 
WROIPV 
 day cure period, Grantee shall
incur only those obligations or expenditures pre-approved by Grantor, which are necessary to enable Grantee to continue its operation and achieve compliance as set forth in the Notice. 
  

	16.3	Revised Project. If, during the forty-five day cure period, the Grantee determines that it will be unable to complete the Project as set forth in Exhibit II, and the Grantee
has not received all of the Funds, the Grantee may, prior to the expiration of the cure period, present to the Grantor its proposed changes to the Project (hereinafter the Project with proposed changes shall be referred to as the “Revised
Project”). If Grantee submits a Revised Project prior to the expiration of the cure period, the Grantor, in its sole discretion, shall either approve or reject the Revised Project. If the Revised Project is approved by the Grantor, then such
approval shall be deemed to constitute a cure of the default by the Grantee, and an amendment shall be executed between the Grantor and the Grantee acknowledging that this Agreement shall be for the payment of Funds for completion of the Revised
Project. If the Revised Project is rejected by the Grantor, then this Agreement shall be terminated as set forth in Article 16.1. 

  

	16.4	Failure to Cure Default; Termination. In the event that Grantee is not able to cure the defaults as itemized in the Notice, or if the Revised Project is rejected by Grantor
then this Agreement shall be terminated, and the Grantee shall (a) forfeit any unused balance of the Funds; (b) may be required to repay some of the Funds already disbursed to Grantee plus interest at the per annum rate equal to three
percent (3%) over that rate of interest from time to time announced by Bank One N.A. as its “prime rate”, to the Grantor as set forth in article 16.5; and (c) provide to Grantor within sixty (60) days after termination of
this Agreement, a Closeout Report setting forth the total expenditure of the Funds by Grantee and the status of the Project at the time of termination. Notwithstanding the foregoing, if Grantee can reasonably demonstrate to the Grantor that any
default as itemized in the Notice can be related to a Mitigated Default (as hereinafter defined), the Grantee shall only be required to comply with sections 16.4(a) and (c) of this Agreement. 

 A Mitigated Default is defined as one of the following: 
  

	 	1.	A necessary component of the Project proves to be an experimental failure through no fault of the Grantee, which would make furtherance of that part of the Project impracticable;

  

	 	2.	An experimental development by any entity (including the Grantee) that would make furtherance of the Project impracticable; or 

  

	 	3.	The failure, by no fault of the Grantee, of an experimental protocol that is proposed in the Project and is a major component of the Project that will make completion of the Project
impracticable. 

  

	16.5	Repayment of Funds. Upon termination of this Agreement pursuant to Articles 16.1 and/or 16.4 and upon review of the Closeout Report submitted pursuant to Article 16.1 or 16.4
Grantor shall determine whether or not Grantee shall be required to return any portion of the Funds. This decision will be within the sole discretion of Grantor on behalf of the State of Ohio and the Third Frontier Commission and shall be based upon
review, evaluation, or audit of the Project by the Grantor or its agent. In no event shall Grantee be required to return an amount in excess of the total Funds granted under this Agreement. 

  

					
	CCF	  	TECH 05-066	 	Page 9 of 11

 WROIPV 
  

	16.6	Termination by Grantee. Upon written approval by Grantor, Grantee may terminate this Agreement upon ninety (90) days written notice to the Grantor if circumstances
beyond its control preclude continuation of the Project. Within sixty (60) days after termination of this Agreement under this Section 16.6, Grantee shall provide Grantor with a Closeout Report setting forth the total expenditure of the
Funds by Grantee and the status of the Project at the time of termination. In addition, the Grantor shall reimburse Grantee for all allowable expenses as set forth in Exhibit II as well as noncancellable commitments incurred as of the date of
termination but not to exceed the total amount of the Funds 

 Article 17 - Acceptance 
  

	17.1	The signature of the legal representative with the authority to bind the Grantee indicates acceptance of the Grantor’s offer of an award and the commitment of Grantee to
complete the Project. 

 Article 18 - Miscellaneous 
  

	18.1	Entire Agreement. This instrument contains the entire Agreement between parties hereto. No verbal agreement, conversation or representation between any officers, agents, or
employees of the parties hereto either before or after the execution of this Agreement, shall affect or modify any of the terms or obligations herein contained. 

  

	18.2	Severability. Whenever possible, each provision of this Agreement shall be interpreted in such a manner as to be effective and valid under applicable law, but if any
provision of this Agreement is held to be prohibited by or invalid under applicable law, such provision shall be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of such provisions of this
Agreement. 

  

	18.3	Assignment. This Agreement shall not be assignable by either party without the prior written consent of the other party. Any and all assignments not made in accordance with
this section shall be void. 

  

	18.4	Certification of Funds. None of the rights, duties and obligations described in this Agreement shall be binding on either party until all statutory provisions of the Ohio
Revised Code, including but not limited to, Section 126.07, have been complied with, and until such time as all funds have been made available and are forthcoming from the appropriate state agencies. 

  

	18.5	Equal Employment Opportunity. In performing this Agreement, Grantee shall not discriminate against any employee, applicant for employment or other person because of race,
religion, color, sex, national origin, disability, age or ancestry. Grantee will take affirmative action to ensure that applicants are employed and that employees are treated during their employment without regard to race, religion, color, sex,
national origin, disability, age, or ancestry. Grantee shall incorporate the foregoing requirements of this paragraph in all of its 

  

					
	CCF	  	TECH 05-066	 	Page 10 of 11

 WROIPV 
 contracts for any of the work prescribed herein (other than subcontracts for standard commercial supplies or raw materials), and will require all of its subcontractors for any part of such work to incorporate such
requirements in all such subcontracts. 
  

	18.6	Travel Expenses. Grantee’s travel reimbursement rates under this Agreement will not exceed those limitations, restrictions, and exclusions imposed by Ohio Administrative
Code 126.1.02 and any rules imposed by the Ohio Office of Budget and Management in this regard. 

  

	18.7	Headings. The section headings are provided for convenience and are not to be used in construing this Agreement. 

 IN WITNESS WHEREOF, the parties have executed this Agreement on the day and year set aside by their respective signatures. 
  

									
	GRANTEE:	 		 	GRANTOR:
			
	Cleveland Clinic Foundation	 		 	State of Ohio, Department of Development
					
	By:	 	 /s/ Jacqueline Whatley
	 		 	By:	 	 /s/ Lt. Governor Bruce Johnson

	Name:	 	Jacqueline Whatley	 		 		 	Lt. Governor Bruce Johnson
		 	(Please Print or Type Full Name)	 		 		 	Director of Development
	Title:	 	 Senior Director
 Office of Sponsored
Research
	 		 	Date:	 	11/30/05
	Date:	 		 		 		 	

 EXHIBITS 
 I – RFP for WCI Awards dated June 21, 2004 
 II – Grantee’s Proposal and Budget, as amended 
 III – Cost Share Guidelines 
 IV – Report Guidelines

 V – Provisions for Disbursement of Capital Funds 
  

					
	CCF	  	TECH 05-066	 	Page 11 of 11

 Exhibit B 
 MASTER CONTRACT LANGUAGE 
 Intellectual Property and Other Property. 
 1.1 Ownership of Technology. Any right, title, and interest, including all patents, copyrights, and other intellectual property rights, in and to
all inventions, discoveries, improvements or other technology (collectively “Technology”) developed (alone or jointly) by either The Cleveland Clinic (“Institution”) or AtriCure, Inc. (“Sponsor”) in the performance of
the subcontract between the Institution and the Sponsor, dated as of June 1, 2006 (the “Agreement”), that (i) is expressly anticipated by the study protocols entered into by Institution and Sponsor under the Agreement and relates
to surgical mapping of cardiac tissue in order to facilitate ablation, or the enabling of ablation, of cardiac tissue to create a lesion, scar or partial necrosis in order to block, inhibit or delay electrical conduction in such tissue or reduce the
size of cardiac structures; including left atrial appendage exclusion and treatments which are designed to reduce the risk of stroke, or (ii) relates to already existing Technology of Sponsor, shall be owned by Sponsor (“Sponsor Specific
Technology”). Except for the foregoing, Institution shall own the entire right, title, and interest, including all patents, copyrights, and other intellectual property rights, in and to all Technology developed solely by Institution personnel
in the performance of the Agreement (“Institution Technology”). Sponsor shall own the entire right, title, and interest, including all patents, copyrights, and other intellectual property rights, in and to all Technology developed solely
by Sponsor personnel in the performance of the Agreement (such Technology, together with the Sponsor Specific Technology, being collectively referred to as “Sponsor Technology”). Except as provided above in the first sentence of this
Section 1.1, Technology that is jointly developed by Institution and Sponsor personnel in the performace of the Agreement will be jointly owned (“Joint Technology”). 
 1.2 Disclosure. Institution will provide Sponsor with a complete, written, confidential disclosure of any Institution Technology (or Sponsor
Technology or Joint Technology, if applicable) within one (1) month after the inventor discloses it in writing to the Institution personnel responsible for patent and other intellectual property matters. 
 1.3 Patent License Option. 
 (a)
Option. For a period of three (3) months (the “Option Period”) after Sponsor has received written disclosure from Institution of patentable Institution Technology (“Patentable Technology”), Sponsor shall have the
option to negotiate to obtain one of the following licenses (the “Option Right”): 
 (i) Non Exclusive License. A
nonexclusive, nontransferable (without the right to sublicense), worldwide license in a designated field of use mutually agreed to by the parties (“Field of Use”) to make, have made, use, and sell products covered by the patent
application(s) covering the Patentable Technology, on terms to be negotiated; or 
 (ii) Exclusive License. A royalty-bearing,
limited-term, exclusive license in the Field of Use, including the right to sublicense, in the United States or any other 

 
country elected by Sponsor to make, have made, use, and sell products covered by the patent application(s) covering the Patentable Technology, in exchange
for Sponsor’s agreement to diligently commercialize the Patentable Technology. 
 (b) Exercise of Option. Sponsor may exercise
the Option Right by written notice to Institution which is received by Institution not later than the last day of the Option Period. If Sponsor elects not to exercise the Option Right, or fails to exercise the Option Right during the Option Period,
Institution shall be free to license its rights under the relevant Patentable Technology to any third party. If Sponsor elects to exercise its Option Right for a nonexclusive license under Section 1.3(a)(i), thereafter, Institution shall be
free to license its rights under the relevant Patentable Technology to any third party on nonexclusive basis under terms that are no more favorable than the terms under which Sponsor is licensed. Except as provided in any agreement between the
Institution and Sponsor with respect to the Patentable Technology, Institution shall be under no restrictions on its ability to license, use or otherwise exploit the Patentable Technology outside of the Field of Use. 
 (c) Negotiation Upon Exercise of Option. If Sponsor does elect to exercise the Option Right, Institution and Sponsor shall negotiate in good faith
a license agreement containing commercially reasonable terms and conditions. Subject to the provisions of subsection (d) below, if Institution and Sponsor are unable to reach agreement within six (6) months after Sponsor exercised the
Option Right, then Sponsor’s Option Right shall expire and Institution may license its rights in the relevant Patentable Technology to any third parties. 
 (d) Negotiations for Exclusive License. If Institution and Sponsor are unable to reach agreement during the Negotiation Period with respect to Sponsor’s Option Right for an exclusive license under
Section 1.3(a)(ii), Institution may license its rights in the relevant Patentable Technology on an exclusive basis to any third parties; provided, however, that for a period of eighteen (18) months after the Negotiation Period expires,
Institution may only offer such rights to third parties on terms and conditions that are not more favorable than the last offer made by Institution to Sponsor, unless Institution first provides Sponsor with written notice of the more favorable offer
and Sponsor either (i) declines in writing to accept the offer or (ii) fails to respond to the offer within thirty (30) days after receiving such notice. 
 1.4 License Terms and Conditions. Each license entered into pursuant to this Section 1 shall be effective as of the date the parties negotiate and sign the definitive license agreement which will contain
indemnity and insurance provisions, in addition to other customary terms and conditions. Any license granted to Sponsor pursuant to this Agreement shall be subject, if applicable, to the rights of the United States government reserved under Public
Laws 96-517, 97-256 and 98-620, codified at 35 U.S.C. 200-212, and any regulations issued thereunder. 
 1.5 Joint Technology. Subject
to Section 1.6, all expenses incurred to obtain and maintain patents on Joint Technology shall be divided equally between the parties and title to all such patents shall be jointly held. Subject to Section 1.6, each party shall have the
right to license, with rights to sublicense, jointly owned patents to third parties, without accounting to, or seeking the consent of, the other party. In the event that consent by each joint owner is necessary for either joint owner to license any
Joint Technology, the parties hereby consent to the other party’s grant of one or more licenses under such Joint Technology to third parties and shall execute any document or do any other reasonable act deemed necessary to evidence such
consent; provided that license is in effect. 

 1.6 License to Joint Technology. Sponsor shall have the Option Right under Section 1.3 to
exclusively license Institution’s rights in Joint Technology in a Field of Use pursuant to Section 1.3(a)(ii), in which case Sponsor shall pay all costs incurred to obtain and maintain patents on the applicable Joint Technology.

 1.7 Patent Filing and Expenses. 
 (a) Control Over Filings. Institution shall control the preparation and prosecution of all patent applications and the maintenance of all patents related to Institution Technology and Joint Technology. In the
case of licensed Patentable Technology or Joint Technology, Institution agrees to provide Sponsor with copies of all prosecution documents and to cooperate with Sponsor to determine the course of all U.S. and foreign prosecution. 
 (b) Costs and Expenses. Institution may file patent applications covering Institution Technology at its own discretion and expense, or at the
request of Sponsor at Sponsor’s expense. Sponsor may file patent applications covering Sponsor Technology at its own discretion and expense. Additionally, if Sponsor elects to license Patentable Technology as set forth herein, Sponsor will pay
the costs of patent filing, prosecution and maintenance in the United States and any foreign country Sponsor elects.Class A(2006-6) Terms Document

 Exhibit 4.1 
 EXECUTION COPY 
  

 BA CREDIT CARD TRUST 
 as Issuer 
 CLASS A(2006-6) TERMS DOCUMENT 
 dated as of July 20, 2006 
 to 
 AMENDED AND RESTATED BASERIES INDENTURE
SUPPLEMENT 
 dated as of June 10, 2006 
 to 
 AMENDED AND RESTATED INDENTURE 
 dated as of June 10, 2006 
 THE BANK OF NEW YORK 
 as Indenture Trustee 
  

 TABLE OF CONTENTS 
 ARTICLE I 
 DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 
  

					
	 	  	 	  	Page
	 Section 1.01.
	  	Definitions	  	1
			
	 Section 1.02.
	  	Governing Law; Submission to Jurisdiction; Agent for Service of Process	  	5
			
	 Section 1.03.
	  	Counterparts	  	5
			
	 Section 1.04.
	  	Ratification of Indenture and Indenture Supplement	  	5
	
	ARTICLE II
	
	THE CLASS A(2006-6) 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(2006-6) Notes; Depository; Denominations	  	9
			
	 Section 2.07.
	  	Delivery and Payment for the Class A(2006-6) 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

  

 -i- 

 THIS CLASS A(2006-6) 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 ( the “Indenture Trustee”), is made and entered into as of July 20, 2006. 
 Pursuant to this
Terms Document, the Issuer and the Indenture Trustee shall create a new tranche of Class A Notes and shall specify the principal terms thereof. 
 ARTICLE I 
 Definitions and Other Provisions of General Application 
 Section 1.01. Definitions. For all purposes of this Terms Document, except as otherwise expressly provided or unless the context otherwise
requires: 
 (1) the terms defined in this Article have the meanings assigned to them in this Article, and include the plural
as well as the singular; 
 (2) all other terms used herein which are defined in the Amended and Restated BAseries Indenture
Supplement, dated as of June 10, 2006 (the “Indenture Supplement”), or the Amended and Restated Indenture, dated as of June 10, 2006 (the “Indenture”), each between the Issuer (formerly known as MBNA
Credit Card Master Note Trust) and the Indenture Trustee, either directly or by reference therein, have the meanings assigned to them therein; 
 (3) all accounting terms not otherwise defined herein have the meanings assigned to them in accordance with generally accepted accounting principles and, except as otherwise herein expressly provided, the term
“generally accepted accounting principles” with respect to any computation required or permitted hereunder means such accounting principles as are generally accepted in the United States of America at the date of such computation;

 (4) all references in this Terms Document to designated “Articles,” “Sections” and other subdivisions
are to the designated Articles, Sections and other subdivisions of this Terms Document as originally executed; 
 (5) the
words “herein,” “hereof” and “hereunder” and other words of similar import refer to this Terms Document as a whole and not to any particular Article, Section or other subdivision; 
 (6) in the event that any term or provision contained herein shall conflict with or be inconsistent with any term or provision contained
in the Indenture Supplement or the Indenture, the terms and provisions of this Terms Document shall be controlling; 
 (7)
each capitalized term defined herein shall relate only to the Class A(2006-6) Notes and no other tranche of Notes issued by the Issuer; and 

 (8) “including” and words of similar import will be deemed to be followed by
“without limitation.” 
 “Accumulation Reserve Funding Period” shall mean, (a) if the Accumulation Period
Length is determined to be one (1) month, there shall be no Accumulation Reserve Funding Period and (b) otherwise, the period (x) commencing on the earliest to occur of (i) the Monthly Period beginning three (3) calendar
months prior to the first Transfer Date for which a budgeted deposit is targeted to be made into the Principal Funding sub-Account of the Class A(2006-6) Notes pursuant to Section 3.10(b) of the Indenture Supplement, (ii) the
Monthly Period following the first Transfer Date following and including the May 2009 Transfer Date for which the Quarterly Excess Available Funds Percentage is less than 2%, but in such event the Accumulation Reserve Funding Period shall not be
required to commence earlier than 24 months prior to the Expected Principal Payment Date, (iii) the Monthly Period following the first Transfer Date following and including the November 2009 Transfer Date for which the Quarterly Excess
Available Funds Percentage is less than 3%, but in such event the Accumulation Reserve Funding Period shall not be required to commence earlier than 18 months prior to the Expected Principal Payment Date, and (iv) the Monthly Period following
the first Transfer Date following and including the January 2010 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(2006-6) Notes and (ii) the date on which the Class A(2006-6) 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(2006-6) Note” means any Note, substantially in the form set forth in Exhibit A-3 to the Indenture Supplement, designated
therein as a Class A(2006-6) Note and duly executed and authenticated in accordance with the Indenture. 
 “Class A(2006-6)
Noteholder” means a Person in whose name a Class A(2006-6) Note is registered in the Note Register. 
 “Class A(2006-6)
Termination Date” means the earliest to occur of (a) the Principal Payment Date on which the Outstanding Dollar Principal Amount of the Class A(2006-6) 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. 
  

 2 

 “Class A Required Subordinated Amount of Class B Notes” is defined in
Section 2.02(a). 
 “Class A Required Subordinated Amount of Class C Notes” is defined in
Section 2.02(b). 
 “Controlled Accumulation Amount” means $166,666,666.67; 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 June 15, 2011. 
 “Initial Dollar
Principal Amount” means $2,000,000,000. 
 “Interest Payment Date” means the fifteenth day of each month, or if
such fifteenth day is not a Business Day, the next succeeding Business Day, commencing September 15, 2006. 
 “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 July 20, 2006. 
 “Legal Maturity Date” means November 15, 2013. 
 “LIBOR” means, for any Interest Period, the London interbank offered rate for one-month United States dollar deposits determined by the Calculation Agent on the LIBOR Determination Date for each
Interest Period in accordance with the provisions of Section 2.04. 
 “LIBOR Determination Date” means
July 18, 2006 for the period from and including the Issuance Date to but excluding September 15, 2006 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 0.03% 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. 
  

 3 

 “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 May 2009 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. 
 “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(2006-6) 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.

 “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 $2,000,000,000. 
  

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 “Telerate Page 3750” means the display page currently so designated on the Moneyline
Telerate Service (or such other page as may replace that page on that service for the purpose of displaying comparable rates or prices). 
 “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. 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 

  

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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(2006-6) 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 BAseries Indenture Supplement to be known as the “BAseries Class A(2006-6) Notes.” 
 Section 2.02. Specification of Required Subordinated Amount and other Terms. 
 (a) For the Class A(2006-6) Notes for any date of determination, the Class A Required Subordinated Amount of Class B Notes will be an amount equal to
8.82353% of (i) the Adjusted Outstanding Dollar Principal Amount of the Class A(2006-6) Notes on such date or (ii) if an Early Redemption Event with respect to the Class A(2006-6) Notes shall have occurred, if an Event of Default and
acceleration of the Class A(2006-6) 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(2006-6) 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(2006-6) Notes for any date of determination, the Class A Required Subordinated Amount of
Class C Notes will be an amount equal to 8.82353% of (i) the Adjusted Outstanding Dollar Principal Amount of the Class A(2006-6) Notes on such date or (ii) if an Early Redemption Event with respect to the Class A(2006-6) Notes shall have
occurred, if an Event of Default and acceleration of the Class A(2006-6) 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(2006-6) 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 Class A(2006-6) Notes 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(2006-6) 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(2006-6) Notes
determined as of the Record Date preceding the related Transfer Date. Interest on the Class A(2006-6) Notes will be calculated on the basis of the actual number of days in the related Interest Period and a 360-day year. 
  

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 (b) Pursuant to Section 3.03 of the Indenture Supplement, on each Transfer Date, the
Indenture Trustee shall deposit into the Class A(2006-6) Interest Funding sub-Account the portion of BAseries Available Funds allocable to the Class A(2006-6) Notes. 
 Section 2.04. Calculation Agent; Determination of LIBOR. 
 (a) The Issuer hereby agrees that for
so long as any Class A(2006-6) 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 Telerate Page 3750 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 Telerate Page 3750, 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 and the Beneficiary, by facsimile transmission, notification of LIBOR for the following Interest Period. 
 Section 2.05. Payments of Interest and Principal. 
 (a) Any installment of interest or principal, if any, payable on any Class A(2006-6) 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(2006-6) Note (or one or more Predecessor 
  

 8 

 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(2006-6)
Noteholders to receive payments from the Issuer will terminate on the first Business Day following the Class A(2006-6) Termination Date. 
 Section 2.06. Form of Delivery of Class A(2006-6) Notes; Depository; Denominations. 
 (a) The Class A(2006-6) 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(2006-6) Notes shall be The Depository Trust Company, and the Class A(2006-6) Notes shall initially be registered in the name of Cede & Co., its nominee. 
 (c) The Class A(2006-6) 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(2006-6) Notes. The Issuer shall execute and deliver the Class A(2006-6) Notes to the
Indenture Trustee for authentication, and the Indenture Trustee shall deliver the Class A(2006-6) 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] 
  

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

			
	BA CREDIT CARD TRUST,
	by FIA CARD SERVICES,
	 NATIONAL ASSOCIATION,
 as Beneficiary and not
in its individual capacity

		
	By:	 	 /s/ Scott W. McCarthy

		 	Scott W. McCarthy
		 	Senior Vice President
	
	 THE BANK OF NEW YORK, as Indenture Trustee
 and not in its individual capacity

		
	By:	 	 /s/ Catherine L. Cerilles

	Name:	 	Catherine L. Cerilles
	Title:	 	Assistant Vice President

 [Signature Page to the Class A(2006-6) Terms Document]

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