Document:

______________________________________________________________________________________________________________________

                                               BA CREDIT CARD TRUST

                                                     as Issuer

                                          CLASS B(2008-3) TERMS DOCUMENT

                                            dated as of April 11, 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 B(2008-3) 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...............................................................................8

Section 2.04.     Calculation Agent; Determination of LIBOR......................................................8

Section 2.05.     Payments of Interest and Principal.............................................................9

Section 2.06.     Form of Delivery of Class B(2008-3) Notes; Depository; Denominations..........................10

Section 2.07.     Delivery and Payment for the Class B(2008-3) Notes............................................10

Section 2.08.     Targeted Deposits to the Accumulation Reserve Account.........................................10

Section 2.09.     Modification of Section 3.10(b) of the Indenture Supplement...................................10

                                                    ARTICLE III
                                          Representations and Warranties

Section 3.01.     Issuer's Representations and Warranties.......................................................11

        

                  THIS CLASS B(2008-3) 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
April 11, 2008.

                  Pursuant to this Terms Document, the Issuer and the Indenture Trustee shall create a new
tranche of Class B 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 B(2008-3) 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 Commencement Date" shall have the meaning specified in the Indenture Supplement;
provided, however, that solely with respect to the Class B(2008-3) Notes, wherever the word "twelve (12)" appears
in the definition of "Accumulation Commencement Date" in the Indenture Supplement, it shall be replaced with the
word "eleven (11)".

                  "Accumulation Reserve Funding Period" shall mean, (a) if the Accumulation Period Length is
determined to be one (1) month, there shall be no Accumulation Reserve Funding Period and (b) otherwise, the
period (x) commencing on the earlier to occur of (i) the Monthly Period beginning three (3) calendar months prior
to the first Transfer Date for which a budgeted deposit is targeted to be made into the Principal Funding
sub-Account of the Class B(2008-3) Notes pursuant to Section 3.10(b) of the Indenture Supplement and (ii) the
Monthly Period following the first Transfer Date following and including the April 2008 Transfer Date for which
the Quarterly Excess Available Funds Percentage is less than 4%, but in such event the Accumulation Reserve Funding
Period shall not be required to commence earlier than 11 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 B(2008-3) Notes and (ii) the date on which the Class
B(2008-3) 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 B(2008-3) Note" means any Note, substantially in the form set forth in Exhibit A-2 to
the Indenture Supplement, designated therein as a Class B(2008-3) Note and duly executed and authenticated in
accordance with the Indenture.

                  "Class B(2008-3) Noteholder" means a Person in whose name a Class B(2008-3) Note is registered
in the Note Register.

                  "Class B(2008-3) Termination Date" means the earliest to occur of (a) the Principal Payment
Date on which the Outstanding Dollar Principal Amount of the Class

                                                       2

        

B(2008-3) 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 B Required Subordinated Amount of Class C Notes" is defined in Section 2.02(b).

                  "Controlled Accumulation Amount" means $27,272,727.27; provided, however, if the Accumulation
Period Length is determined to be less than eleven (11) months pursuant to Section 3.10(b)(ii) of the Indenture
Supplement, as modified by this Terms Document, the Controlled Accumulation Amount shall be the amount specified
in the definition of "Controlled Accumulation Amount" in the Indenture Supplement; provided further, however,
that solely with respect to the Class B(2008-3) Notes, wherever the word "twelve (12)" appears in the definition
of "Controlled Accumulation Amount" in the Indenture Supplement, it shall be replaced with the word "eleven (11)".

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

                  "Expected Principal Payment Date" means April 15, 2009.

                  "Initial Dollar Principal Amount" means $300,000,000.

                  "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 May 15, 2008.

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

                  "Issuance Date" means April 11, 2008.

                  "Legal Maturity Date" means September 15, 2011.

                  "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.

                  "LIBOR Determination Date" means April 9, 2008 for the period from and including the Issuance
Date to but excluding May 15, 2008, and for each Interest Period thereafter, the second London Business Day prior
to the Interest Payment Date on which such Interest Period commences.

                                                       3

        

                  "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 4.00% 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 2008 Transfer
Date and each Transfer Date thereafter, the percentage equivalent of a fraction the numerator of which is the sum
of the Excess Available Funds Percentages with respect to the immediately preceding three Monthly Periods and the
denominator of which is three.

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

                  "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 B(2008-3) Notes as of the close of business on the last day of the preceding Monthly Period
or (ii) any other amount

                                                       4

        

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 $300,000,000.

                  "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.  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

                                                       5

        

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 B(2008-3) Notes

                  Section 2.01.     Creation and Designation.  There is hereby created a tranche of BAseries Class
B Notes to be issued pursuant to the Indenture and the Indenture Supplement to be known as the "BAseries Class
B(2008-3) Notes."

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

                  (a)      Notwithstanding any provision of Section 2.03 of the Indenture Supplement to the
contrary, on any date of determination, the available subordinated amount of Class C Notes for the Class
B(2008-3) Notes shall be at least equal to the Class B Required Subordinated Amount of Class C Notes for the
Class B(2008-3) Notes.  For purposes of this clause, the available subordinated amount of Class C Notes for the
Class B(2008-3) Notes as of any date will be an amount equal to, after giving effect to any issuances, deposits,
allocations, reallocations or payments to be made on that date:

                  (i)      the aggregate Nominal Liquidation Amount of all tranches of Class C Notes which are
Outstanding on that date; minus

                  (ii)     the sum of (A) the aggregate Class B Required Subordinated Amount of Class C Notes for
all other tranches of Class B Notes which are Outstanding on that date plus (B) the aggregate Class A Required
Subordinated Amount of Class C Notes for all tranches of Class A Notes for which the Class A Required
Subordinated Amount of Class B Notes is equal to zero which are Outstanding on that date.

                  (b)      (i)      For the Class B(2008-3) Notes for any date of determination, the Class B
Required Subordinated Amount of Class C Notes will be an amount equal to the product of (A) the Adjusted
Outstanding Dollar Principal Amount of the Class B(2008-3) Notes on such date, times (B) the sum of:

                           (A)      a fraction, the numerator of which is the aggregate Class A Required
Subordinated Amount of Class C Notes for all tranches of Class A Notes which are Outstanding on that date, for
which the Class A Required Subordinated Amount of Class B Notes is greater than zero and the denominator of which
is the aggregate Adjusted Outstanding Dollar Principal Amount for all tranches of Class B Notes (including the
Class B(2008-3) Notes) which are Outstanding on that date; plus

                           (B)      the product of:

                                    (1)     6.95187%; times

                                    (2)     a fraction, the numerator of which is the aggregate Adjusted
                                    Outstanding Dollar Principal Amount for all tranches of Class B Notes
                                    (including the Class B(2008-3) Notes) which are Outstanding on that date minus
                                    the aggregate Class A Required Subordinated Amount of Class B Notes for all
                                    tranches of Class A

                                                       7

        

                                    Notes which are Outstanding on that date, and the denominator of which is the
                                    aggregate Adjusted Outstanding Dollar Principal Amount for all tranches of
                                    Class B Notes (including the Class B(2008-3) Notes) which are Outstanding on
                                    that date.

                  (ii)     If an Early Redemption Event with respect to the Class B(2008-3) Notes shall have
occurred, if an Event of Default and acceleration of the Class B(2008-3) Notes shall have occurred or if the
Class B Usage of the Class C Required Subordinated Amount for the Class B(2008-3) Notes is greater than zero, on
any date of determination following any such event, the Class B Required Subordinated Amount of Class C Notes for
the Class B(2008-3) Notes shall be the greater of (i) the amount determined pursuant to subsection 2.02(b)(i) on
such date of determination and (ii) the amount determined pursuant to subsection 2.02(b)(i) 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 B Usage of Class C Required Subordinated Amount exceeded zero.

                  (c)      The Issuer may change the definition of the Class B Required Subordinated Amount of
Class C Notes with respect to the Class B(2008-3) Notes 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 such definition 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 with respect to such change.

                  Section 2.03.     Interest Payment.

                  (a)      For each Interest Payment Date, the amount of interest due with respect to the Class
B(2008-3) 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 B(2008-3) Notes determined as of the Record Date preceding the related Transfer Date.
Interest on the Class B(2008-3) 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 B(2008-3) Interest Funding sub-Account the portion of BAseries
Available Funds allocable to the Class B(2008-3) Notes.

                  Section 2.04.     Calculation Agent; Determination of LIBOR.

                  (a)      The Issuer hereby agrees that for so long as any Class B(2008-3) 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

                                                       8

        

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.

                  (a)      Any installment of interest or principal, if any, payable on any Class B(2008-3) 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
B(2008-3) 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.

                                                       9

        

                  (b)      The right of the Class B(2008-3) Noteholders to receive payments from the Issuer will
terminate on the first Business Day following the Class B(2008-3) Termination Date.

                  Section 2.06.     Form of Delivery of Class B(2008-3) Notes; Depository; Denominations.

                  (a)      The Class B(2008-3) 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 B(2008-3) Notes shall be The Depository Trust Company,
and the Class B(2008-3) Notes shall initially be registered in the name of Cede & Co., its nominee.

                  (c)      The Class B(2008-3) 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 B(2008-3) Notes.  The Issuer shall execute
and deliver the Class B(2008-3) Notes to the Indenture Trustee for authentication, and the Indenture Trustee
shall deliver the Class B(2008-3) 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.

                  Section 2.09.     Modification of Section 3.10(b) of the Indenture Supplement.  Solely with
respect to the Class B(2008-3) Notes, Section 3.10(b) of the Indenture Supplement is modified to read as
follows:

                  (a) Wherever the word "twelfth" appears in Section 3.10(b)(i) of the Indenture Supplement, it
         shall be replaced with the word "eleventh".

                  (b) Wherever the word "twelve (12)" appears in Section 3.10(b)(ii) of the Indenture Supplement,
         it shall be replaced with the word "eleven (11)".

                                                [END OF ARTICLE II]

                                                       10

        

                                                    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.

                                                       11

        

                                               [END OF ARTICLE III]

                                                       12

        

                  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 B(2008-3) Terms Document]______________________________________________________________________________________________________________________

                                               BA CREDIT CARD TRUST

                                                     as Issuer

                                          CLASS C(2008-3) TERMS DOCUMENT

                                            dated as of April 11, 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 C(2008-3) Notes

Section 2.01.     Creation and Designation.......................................................................7

Section 2.02.     Interest Payment...............................................................................7

Section 2.03.     Calculation Agent; Determination of LIBOR......................................................7

Section 2.04.     Payments of Interest and Principal.............................................................8

Section 2.05.     Targeted Deposit to the Class C Reserve Account................................................8

Section 2.06.     Form of Delivery of Class C(2008-3) Notes; Depository; Denominations...........................9

Section 2.07.     Delivery and Payment for the Class C(2008-3) Notes.............................................9

Section 2.08.     Targeted Deposits to the Accumulation Reserve Account..........................................9

Section 2.09.     Modification of Section 3.10(b) of the Indenture Supplement....................................9

                                                    ARTICLE III
                                          Representations and Warranties

Section 3.01.     Issuer's Representations and Warranties.......................................................10

        

                  THIS CLASS C(2008-3) 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
April 11, 2008.

                  Pursuant to this Terms Document, the Issuer and the Indenture Trustee shall create a new
tranche of Class C 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 C(2008-3) 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 Commencement Date" shall have the meaning specified in the Indenture Supplement;
provided, however, that solely with respect to the Class C(2008-3) Notes, wherever the word "twelve (12)" appears
in the definition of "Accumulation Commencement Date" in the Indenture Supplement, it shall be replaced with the
word "eleven (11)".

                  "Accumulation Reserve Funding Period" shall mean, (a) if the Accumulation Period Length is
determined to be one (1) month, there shall be no Accumulation Reserve Funding Period and (b) otherwise, the
period (x) commencing on the earlier to occur of (i) the Monthly Period beginning three (3) calendar months prior
to the first Transfer Date for which a budgeted deposit is targeted to be made into the Principal Funding
sub-Account of the Class C(2008-3) Notes pursuant to Section 3.10(b) of the Indenture Supplement and (ii) the
Monthly Period following the first Transfer Date following and including the April 2008 Transfer Date for which
the Quarterly Excess Available Funds Percentage is less than 4%, but in such event the Accumulation Reserve
Funding Period shall not be required to commence earlier than 11 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 C(2008-3) Notes and (ii) the date on which the Class
C(2008-3) 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 2.03(a).

                  "Class C Reserve Account Percentage" means, with respect to any Transfer Date, (i) zero, if the
Quarterly Excess Available Funds Percentage on such Transfer Date is greater than or equal to 4.50%, (ii) 1.25%,
if the Quarterly Excess Available Funds Percentage on such Transfer Date is less than 4.50% and greater than or
equal to 4.00%, (iii) 2.00%, if the Quarterly Excess Available Funds Percentage on such Transfer Date is less
than 4.00% and greater than or equal to 3.50%, (iv) 2.75%, if the Quarterly Excess Available Funds Percentage on
such Transfer Date

                                                        2

        

is less than 3.50% and greater than or equal to 3.00%, (v) 3.50%, if the Quarterly Excess Available Funds
Percentage on such Transfer Date is less than 3.00% and greater than or equal to 2.50%, (vi) 4.50%, if the Quarterly
Excess Available Funds Percentage on such Transfer Date is less than 2.50% andgreater than or equal to 2.00%, and
(vii) 6.00%, if the Quarterly Excess Available Funds Percentage on such Transfer Date is less than 2.00%.

                  "Class C(2008-3) Note" means any Note, substantially in the form set forth in Exhibit A-3 to
the Indenture Supplement, designated therein as a Class C(2008-3) Note and duly executed and authenticated in
accordance with the Indenture.

                  "Class C(2008-3) Noteholder" means a Person in whose name a Class C(2008-3) Note is registered
in the Note Register.

                  "Class C(2008-3) Termination Date" means the earliest to occur of (a) the Principal Payment
Date on which the Outstanding Dollar Principal Amount of the Class  C(2008-3) 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.

                  "Controlled Accumulation Amount" means $22,727,272.73; provided, however, if the Accumulation
Period Length is determined to be less than eleven (11) months pursuant to Section 3.10(b)(ii) of the Indenture
Supplement, as modified by this Terms Document, the Controlled Accumulation Amount shall be the amount specified
in the definition of "Controlled Accumulation Amount" in the Indenture Supplement; provided further, however,
that solely with respect to the Class C(2008-3) Notes, wherever the word "twelve (12)" appears in the definition
of "Controlled Accumulation Amount" in the Indenture Supplement, it shall be replaced with the word "eleven (11)".

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

                  "Expected Principal Payment Date" means April 15, 2009.

                  "Initial Dollar Principal Amount" means $250,000,000.

                  "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 May 15, 2008.

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

                  "Issuance Date" means April 11, 2008.

                  "Legal Maturity Date" means September 15, 2011.

                                                        3

        

                  "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 that Interest
Period in accordance with the provisions of Section 2.03.

                  "LIBOR Determination Date" means April 9, 2008 for the period from and including the Issuance
Date to but excluding May 15, 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 6.50% 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 2008 Transfer
Date and each Transfer Date thereafter, the percentage equivalent of a fraction the numerator of which is the sum
of the Excess Available Funds Percentages with respect to the immediately preceding three Monthly Periods and the
denominator of which is three.

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

                                                        4

        

                  "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 C(2008-3) 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 $250,000,000.

                  "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

                                                        5

        

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 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 C(2008-3) Notes

                  Section 2.01.     Creation and Designation.  There is hereby created a tranche of BAseries Class
C Notes to be issued pursuant to the Indenture and the Indenture Supplement to be known as the "BAseries Class
C(2008-3) Notes."

                  Section 2.02.     Interest Payment.

                  (a)      For each Interest Payment Date, the amount of interest due with respect to the Class
C(2008-3) 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 C(2008-3) Notes determined as of the Record Date preceding the related Transfer Date.
Interest on the Class C(2008-3) 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 C(2008-3) Interest Funding sub-Account the portion of BAseries
Available Funds allocable to the Class C(2008-3) Notes.

                  Section 2.03.     Calculation Agent; Determination of LIBOR.

                  (a)      The Issuer hereby agrees that for so long as any Class C(2008-3) 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

                                                        7

        

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 2.04.     Payments of Interest and Principal.

                  (a)      Any installment of interest or principal, if any, payable on any Class C(2008-3)
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 C(2008-3) 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 C(2008-3) Noteholders to receive payments from the Issuer will
terminate on the first Business Day following the Class C(2008-3) Termination Date.

                  Section 2.05.     Targeted Deposit to the Class C Reserve Account.

                  (a)      The deposit targeted to be made to the Class C Reserve sub-Account for the Class
C(2008-3) Notes for any Transfer Date will be an amount equal to (i) the product of (A) the Class C Reserve
Account Percentage for that Transfer Date times (B) the sum of the Initial Outstanding Dollar Principal Amounts
of each tranche of Outstanding BAseries Notes as of the last day of the preceding Monthly Period times (C) a
fraction, the numerator of which is the Nominal Liquidation Amount of the Class C(2008-3) Notes as of the close
of business on the last day of the preceding Monthly Period and the denominator of which is the Nominal
Liquidation Amount of all Class C Notes in the BAseries as of the close of business on the last day of the
preceding Monthly Period, minus (ii) the amount credited to the Class C Reserve sub-Account for the Class
C(2008-3) Notes immediately prior to such targeted deposit; provided however, that if an Early Redemption Event
or Event of Default occurs with respect to the Class

                                                        8

        

C(2008-3) Notes, the deposit targeted will be the Adjusted Outstanding Dollar Principal Amount of the Class C(2008-3)
Notes minus the amount then credited to such sub-Account.

                  Section 2.06.     Form of Delivery of Class C(2008-3) Notes; Depository; Denominations.

                  (a)      The Class C(2008-3) 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 C(2008-3) Notes shall be The Depository Trust Company,
and the Class C(2008-3) Notes shall initially be registered in the name of Cede & Co., its nominee.

                  (c)      The Class C(2008-3) 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 C(2008-3) Notes.  The Issuer shall execute
and deliver the Class C(2008-3) Notes to the Indenture Trustee for authentication, and the Indenture Trustee
shall deliver the Class C(2008-3) 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.

                  Section 2.09.     Modification of Section 3.10(b) of the Indenture Supplement.  Solely with
respect to the Class C(2008-3) Notes, Section 3.10(b) of the Indenture Supplement is modified to read as
follows:

                  (a) Wherever the word "twelfth" appears in Section 3.10(b)(i) of the Indenture Supplement, it
         shall be replaced with the word "eleventh".

                  (b) Wherever the word "twelve (12)" appears in Section 3.10(b)(ii) of the Indenture Supplement,
         it shall be replaced with the word "eleven (11)".

                                                [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

                                                        10

        

notations indicating that it has been pledged, assigned or otherwise conveyed to any Person other than the
Indenture Trustee.

                                               [END OF ARTICLE III]

                                                        11

        

                  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 C(2008-3) Terms Document]

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