Document:

______________________________________________________________________________________________________________________

                                                        BA CREDIT CARD TRUST

                                                             as Issuer

                                                   CLASS A(2008-4) 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 A(2008-4) 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.........................................................9

Section 2.06.         Form of Delivery of Class A(2008-4) Notes; Depository; Denominations.......................9

Section 2.07.         Delivery and Payment for the Class A(2008-4) Notes.........................................9

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

                                                            ARTICLE III
                                                   Representations and Warranties

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

        

                  THIS CLASS A(2008-4) 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 A Notes
and shall specify the principal terms thereof.

                                                             ARTICLE I

                                      Definitions and Other Provisions of General Application

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

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

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

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

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

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

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

                  (g)      each capitalized term defined herein shall relate only to the Class A(2008-4) Notes and no other tranche
of Notes issued by the Issuer; and

        

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

                  "Accumulation Reserve Funding Period" shall mean, (a) if the Accumulation Period Length is determined to be one
(1) month, there shall be no Accumulation Reserve Funding Period and (b) otherwise, the period (x) commencing on the earliest to
occur of (i) the Monthly Period beginning three (3) calendar months prior to the first Transfer Date for which a budgeted deposit
is targeted to be made into the Principal Funding sub-Account of the Class A(2008-4) Notes pursuant to Section 3.10(b) of the
Indenture Supplement, (ii) the Monthly Period following the first Transfer Date following and including the March 2012 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 September 2012 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 November 2012 Transfer Date for which the Quarterly Excess Available Funds Percentage
is less than 4%, but in such event the Accumulation Reserve Funding Period shall not be required to commence earlier than 16
months prior to the Expected Principal Payment Date and (y) ending on the close of business on the last day of the Monthly Period
preceding the earlier to occur of (i) the Expected Principal Payment Date for the Class A(2008-4) Notes and (ii) the date on which
the Class A(2008-4) Notes are paid in full.

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

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

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

                  "Class A(2008-4) Note" means any Note, substantially in the form set forth in Exhibit A-1 to the Indenture
Supplement, designated therein as a Class A(2008-4) Note and duly executed and authenticated in accordance with the Indenture.

                  "Class A(2008-4) Noteholder" means a Person in whose name a Class A(2008-4) Note is registered in the Note Register.

                                                                2

        

                  "Class A(2008-4) Termination Date" means the earliest to occur of (a) the Principal Payment Date on which the
Outstanding Dollar Principal Amount of the Class A(2008-4) Notes is paid in full, (b) the Legal Maturity Date and (c) the date on
which the Indenture is discharged and satisfied pursuant to Article VI thereof.

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

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

                  "Controlled Accumulation Amount" means $42,500,000.00; 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 April 15, 2014.

                  "Initial Dollar Principal Amount" means $510,000,000.

                  "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, 2016.

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

                                                                3

        

                  "LIBOR Determination Date" means 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 1.40% 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 March 2012 Transfer Date and each
Transfer Date thereafter, the percentage equivalent of a fraction the numerator of which is the sum of the Excess Available Funds
Percentages with respect to the immediately preceding three Monthly Periods and the denominator of which is three.

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

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

                                                                4

        

                  "Required Accumulation Reserve sub-Account Amount" means, with respect to any Monthly Period during the
Accumulation Reserve Funding Period, an amount equal to (i) 0.5% of the Outstanding Dollar Principal Amount of the Class A(2008-4)
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 $510,000,000.

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

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

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

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

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

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

                                                                5

        

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

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

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

                                                         [END OF ARTICLE I]

                                                                6

        

                                                             ARTICLE II

                                                     The Class A(2008-4) Notes

                  Section 2.01.     Creation and Designation.  There is hereby created a tranche of BAseries Class A Notes to be
issued pursuant to the Indenture and the Indenture Supplement to be known as the "BAseries Class A(2008-4) Notes."

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

                  (a)      For the Class A(2008-4) Notes for any date of determination, the Class A Required Subordinated Amount of
Class B Notes will be an amount equal to 8.72093% of (i) the Adjusted Outstanding Dollar Principal Amount of the Class A(2008-4)
Notes on such date or (ii) if an Early Redemption Event with respect to the Class A(2008-4) Notes shall have occurred, if an Event
of Default and acceleration of the Class A(2008-4) Notes shall have occurred or if the Class A Usage of the Class B Required
Subordinated Amount for such tranche of Class A Notes is greater than zero, the Adjusted Outstanding Dollar Principal Amount of
the Class A(2008-4) Notes as of close of business on the day immediately preceding the occurrence of such Early Redemption Event,
such Event of Default and acceleration or the date on which the Class A Usage of Class B Required Subordinated Amount exceeded
zero.

                  (b)      For the Class A(2008-4) Notes for any date of determination, the Class A Required Subordinated Amount of
Class C Notes will be an amount equal to 7.55814% of (i) the Adjusted Outstanding Dollar Principal Amount of the Class A(2008-4)
Notes on such date or (ii) if an Early Redemption Event with respect to the Class A(2008-4) Notes shall have occurred, if an Event
of Default and acceleration of the Class A(2008-4) Notes shall have occurred or if the Class A Usage of the Class C Required
Subordinated Amount for such tranche of Class A Notes is greater than zero, the Adjusted Outstanding Dollar Principal Amount of
the Class A(2008-4) Notes as of close of business on the day immediately preceding the occurrence of such Early Redemption Event,
such Event of Default and acceleration or the date on which the Class A Usage of Class C Required Subordinated Amount exceeded
zero.

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

                  Section 2.03.     Interest Payment.

                  (a)      For each Interest Payment Date, the amount of interest due with respect to the Class A(2008-4) Notes
shall be an amount equal to the product of (i)(A) a fraction, the numerator of which is the actual number of days in the related
Interest Period and the denominator of which is 360, times (B) the Note Interest Rate in effect with respect to the related
Interest Period, times (ii) the Outstanding Dollar Principal Amount of the Class A(2008-4) Notes determined as of the Record Date
preceding the related Transfer Date.  Interest on the

                                                                7

        

Class A(2008-4) Notes will be calculated on the basis of the actual number of days in the related Interest Period and a 360-day
year.

                  (b)      Pursuant to Section 3.03 of the Indenture Supplement, on each Transfer Date, the Indenture Trustee shall
deposit into the Class A(2008-4) Interest Funding sub-Account the portion of BAseries Available Funds allocable to the Class
A(2008-4) Notes.

                  Section 2.04.     Calculation Agent; Determination of LIBOR.

                  (a)      The Issuer hereby agrees that for so long as any Class A(2008-4) Notes are Outstanding, there shall at
all times be an agent appointed to calculate LIBOR for each Interest Period (the "Calculation Agent").  The Issuer hereby
initially appoints the Indenture Trustee as the Calculation Agent for purposes of determining LIBOR for each Interest Period.  The
Calculation Agent may be removed by the Issuer at any time.  If the Calculation Agent is unable or unwilling to act as such or is
removed by the Issuer, or if the Calculation Agent fails to determine LIBOR for an Interest Period, the Issuer shall promptly
appoint a replacement Calculation Agent that does not control or is not controlled by or under common control with the Issuer or
its Affiliates.  The Calculation Agent may not resign its duties, and the Issuer may not remove the Calculation Agent, without a
successor having been duly appointed.

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

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

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

                                                                8

        

                  Section 2.05.     Payments of Interest and Principal.

                  (a)      Any installment of interest or principal, if any, payable on any Class A(2008-4) Note which is
punctually paid or duly provided for by the Issuer and the Indenture Trustee on the applicable Interest Payment Date or Principal
Payment Date shall be paid by the Paying Agent to the Person in whose name such Class A(2008-4) Note (or one or more Predecessor
Notes) is registered on the Record Date, by wire transfer of immediately available funds to such Person's account as has been
designated by written instructions received by the Paying Agent from such Person not later than the close of business on the third
Business Day preceding the date of payment or, if no such account has been so designated, by check mailed first-class, postage
prepaid to such Person's address as it appears on the Note Register on such Record Date, except that with respect to Notes
registered on the Record Date in the name of the nominee of Cede & Co., payment shall be made by wire transfer in immediately
available funds to the account designated by such nominee.

                  (b)      The right of the Class A(2008-4) Noteholders to receive payments from the Issuer will terminate on the
first Business Day following the Class A(2008-4) Termination Date.

                  Section 2.06.     Form of Delivery of Class A(2008-4) Notes; Depository; Denominations.

                  (a)      The Class A(2008-4) Notes shall be delivered in the form of a global Registered Note as provided in
Sections 202 and 301(i) of the Indenture, respectively.

                  (b)      The Depository for the Class A(2008-4) Notes shall be The Depository Trust Company, and the Class
A(2008-4) Notes shall initially be registered in the name of Cede & Co., its nominee.

                  (c)      The Class A(2008-4) Notes will be issued in minimum denominations of $5,000 and multiples of $1,000 in
excess of that amount.

                  Section 2.07.     Delivery and Payment for the Class A(2008-4) Notes.  The Issuer shall execute and deliver the
Class A(2008-4) Notes to the Indenture Trustee for authentication, and the Indenture Trustee shall deliver the Class A(2008-4)
Notes when authenticated, each in accordance with Section 303 of the Indenture.

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

                                                        [END OF ARTICLE II]

                                                                9

        

                                                            ARTICLE III

                                                   Representations and Warranties

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

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

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

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

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

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

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

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

                                                        [END OF ARTICLE III]

                                                                10

        

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

                                            BA CREDIT CARD TRUST,
                                            by BA CREDIT CARD FUNDING, LLC,
                                            as Beneficiary and not in its individual capacity

                                            By: /s/ Keith W. Landis               
                                                Name:  Keith W. Landis
                                                Title: Vice President

                                            THE BANK OF NEW YORK, as Indenture Trustee
                                            and not in its individual capacity

                                            By: /s/ Catherine Cerilles           
                                                Name:  Catherine Cerilles
                                                Title: Vice President

                                      [Signature Page to the Class A(2008-4) Terms Document]PHYTOMEDICAL TECHNOLOGIES, INC

INTERNATIONAL ENERGY, INC.

PROMISSORY NOTE

$100,000.00

January 31, 2008

     International Energy, Inc., a Nevada corporation (the "Company"), for value received, hereby promises to pay to Harmel S. Rayat ("Holder") or order, the principal sum of one hundred thousand dollars ($100,000.00) with interest as provided below.

 1.  Payment.  

(a)  The Outstanding Principal balance of the Note, together with accrued and unpaid interest thereon shall be paid by the Company to the Holder, at the address as provided to the Company by the Holder in writing, in lawful money of the United States of America upon the earlier to occur of:

(1)  The occurrence of an Event of Default (as defined in Section 2 of the Note), which occurrence shall be deemed written demand by the holder for payment of the note; or

(2)  The Company’s receipt of written demand for payment from the Holder.

(b)  Interest shall accrue with respect to the unpaid principal amount of the loan from the date of this Note until such principal is paid at a rate of ten and one-quarter percent (10.25%) per annum (computed on the basis of a 365-day year).

(c) Company shall have the right at any time and without penalty to prepay, in whole or in part, the principal outstanding and/or the interest accrued hereunder.

2.   Events of Default. 

The occurrence of any of the following shall constitute an "Event of Default" under this Note:

 

    (a) Failure to Pay. The Company shall fail to pay (i) when due any principal payment on the due date hereunder or (ii) any interest or other payment required under the terms of this Note on the date due and such payment shall not have been made within fifteen (15) days of Company's receipt of Holder's written notice to the Company of such failure to pay; or

    (b) Voluntary Bankruptcy or Insolvency Proceedings. The Company shall (i) apply for or consent to the appointment of a receiver, trustee, liquidate or custodian of itself or of all or a substantial part of its property, (ii) make a general assignment for the benefit of its or any of its creditors, (iii) be dissolved or liquidated in full or in part, (iv) commence a voluntary case or other proceeding seeking liquidation, reorganization or other relief with respect to itself or its debts under any bankruptcy, insolvency or other similar law now or hereafter in effect or consent to any such relief or to the appointment of or taking possession of its property by any official in an involuntary case or other proceeding commenced against it, or (v) take any action for the purpose of effecting any of the foregoing; or

    (c) Involuntary Bankruptcy or Insolvency Proceedings. Proceedings for the appointment of a receiver, trustee, liquidator or custodian of the Company or of all or a substantial part of the property thereof, or an involuntary case or other proceedings seeking liquidation, reorganization or other relief with respect to the Company or the debts thereof under any bankruptcy, insolvency or other similar law or hereafter in effect shall be commenced and an order for relief entered or such proceeding shall not be dismissed or discharged within thirty (30) days of commencement.

3.   Rights of Holder Upon Default. 

Upon the occurrence or existence of any Event of Default (other than an Event of Default referred to in Paragraphs 2(b) and 4(c)) and at any time thereafter during the continuance of such Event of Default, Holder may declare all outstanding Obligations payable by Company hereunder to be immediately due and payable without presentment, demand, protest or any other notice of any kind, all of which are hereby expressly waived. Upon the occurrence or existence of any Event of Default described in Paragraphs 2(b) and 4(c), immediately and without notice, all outstanding Obligations payable by Company hereunder shall automatically become immediately due and payable, without presentment, demand, protest or any other notice of any kind, all of which are hereby expressly waived.

4.   Miscellaneous.

     (a) Amendment Provisions. Any provision of this Note other than the principal amount and identity of the Holder may be amended, waived or modified upon the written consent of the Company and the Holder.

     (b) Severability. If any provision of this Note is determined to be invalid, illegal or unenforceable, in whole or in part, the validity, legality and enforceability of any of the remaining provisions or portions of this Note shall not in any way be affected or impaired thereby and this Note shall nevertheless be binding between the Company and the Holder.

     (c) Governing Law. This Note shall be governed by and construed in accordance with the laws of the State of Nevada.

     (d) Binding Effect. This Note shall be binding upon, and shall inure to the benefit of, the Company and the Holder and their respective successors and assigns; provided, however, that the Company may not assign its obligations hereunder without the Holder's prior written consent.

     (e) Enforcement Costs. The Company agrees to pay all costs and expenses, including, without limitation, reasonable attorneys' fees and expenses, the Holder expends or incurs in connection with the enforcement of this Note, the collection of any sums due hereunder, any actions for declaratory relief in any way related to this Note, or the protection or preservation of any rights of the Holder hereunder.

     (f) Notices. Any notice, request or other communication required or permitted hereunder shall be in writing and shall be duly given upon receipt if personally delivered or mailed by registered or certified mail, postage prepaid, or by recognized overnight courier or personal delivery, addressed (i) if to Holder, at the address or facsimile number of such Holder, or at such other address or number as such Holder shall have furnished to the Company in writing, or (ii) if to Company, at 216 – 1628 West 1st Avenue, Vancouver, BC,  V6J 1G1, Attention: President or at such other address as Company shall furnish to the Holder in writing.

     (g) Payment. Payment shall be made in lawful tender of the United States.

     (h) Headings. Section headings used in this Note have been set forth herein for convenience of reference only. Unless the contrary is compelled by the context, everything contained in each section hereof applies equally to this entire Note.

     IN WITNESS WHEREOF, the Company has caused this Note to be issued as of the date first written above.

International Energy, Inc.

/s/ Derek Cooper

Name: Derek Cooper

Title: President and CEO

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