BA Master Credit Card Trust II Static Pool Information

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1 Bank of America BA Master Credit Card Trust II Static Pool Disclosure BA Master Credit Card Trust II Static Pool Information Please read this important notice before proceeding. Web Site Content and Purpose: This Web site is operated by FIA Card Services, National Association ("FIA Card Services") and serves as a repository for selected historical performance information referred to as static pool information relating to the Master Trust II Portfolio. The Master Trust II Portfolio is comprised of receivables owned by BA Master Credit Card Trust II ("Master Trust II"). Such static pool information is posted to this Web site in response to certain disclosure regulations adopted by the U.S. Securities and Exchange Commission ("SEC"), and is archived on this Web site in the form and for the time periods required by those regulations. Under those regulations, we may incorporate required static pool information into prospectuses prepared from time to time in connection with specific offerings of asset-backed securities by referring in such prospectuses to an Internet Web site where the required static pool information is posted and archived. No Offer or Solicitation: No information contained on this Web site constitutes an offer to sell or the solicitation of an offer to buy any securities, except by means of a related prospectus into which any such information is expressly incorporated by reference as contemplated above. Investment Considerations: As described above, information contained on this Web site is posted and archived solely in response to certain SEC disclosure regulations that apply to prospectuses prepared from time to time in connection with specific offerings of securities. The information contained on this Web site is not sufficient or complete to make a decision regarding investment in any securities. You should read the entire prospectus related to an offering of securities before you purchase any such securities. The prospectus relating to each offering of securities is accurate as of the date stated on its cover but may not be accurate as of any subsequent date. Likewise, the information contained on this Web site, which is posted and archived solely for the purpose of incorporation by reference into such prospectuses, speaks only as of the date of the related prospectus. FIA Card Services has undertaken no obligation, and has assumed no responsibility, to update the information contained in any such prospectus, including any information contained on this Web site that has been incorporated by reference into any such prospectus, for facts or events arising after completion of the related prospectus delivery period for such prospectus. FIA Card Services assumes no responsibility for damages incurred in connection with the use of the information contained herein for other than its intended purposes. The information contained in any such prospectus, including the information contained on this Web site that has been incorporated by reference into any such prospectus, may not be sufficient or complete to make a decision regarding investment in the subject securities as of any date other than the date of such prospectus. Prospective investors should consult their own financial and legal advisors about risks associated with investment in a particular issue of securities and the suitability of investing in such securities in light of their particular circumstances. Continue

2 Bank of America BA Master Credit Card II Trust Static Pool Home BA Master Credit Card Trust II Static Pool Information The tables identified above present delinquency, charge-off, yield and payment rate performance for credit card receivables included in the Master Trust II Portfolio for periods beginning on and after January 1, In each case, the information is organized by calendar year of account origination (each, a vintage origination year ) and, as to each year of performance presented (each, a vintage performance year ), is presented for accounts originated in such vintage origination year.¹ As to data presented for any vintage performance year (or portion thereof) for any vintage origination year, we refer to such data as a vintage segment. As to any vintage segment, information is presented for the accounts originated in the related vintage origination year that were included in the Master Trust II Portfolio during the period covered by the related vintage performance year (or portion thereof). For example, for the vintage segment relating to YTD 2007 vintage performance for the 2003 vintage origination year, the information presented relates to the performance during the completed portion of the 2007 calendar year of accounts that were originated in 2003 and that were included in the Master Trust II portfolio during that portion of the 2007 calendar year. Accounts may be opened in any month during a calendar year. As a result, except for accounts opened at the beginning of a year, Year 1 information will be based on accounts with less than a full twelve months of activity. For example, for an account that was opened in September of any given year, only three months of activity related to that account is included in the Year 1 information. Year-to-Date ( YTD ) information, by its very nature, is also based on less than a full twelve months of account activity. As of December 31, 2007, $56.5 billion of outstanding receivables representing approximately 58.97% of the total outstanding receivables in the Master Trust II Portfolio at such date related to accounts that were originated prior to 2003 and, therefore, are not included in the Master Trust II Portfolio tables. There can be no assurance that the performance of receivables in the future will be similar to the historical experience set forth in the tables identified above. ¹Information relating to the credit card receivables included in the Master Trust II Portfolio was not organized or stored within our computer systems by vintage origination year for periods prior to January 1, 2006 and cannot be obtained without unreasonable Since January 1, 2006, FIA Card Services has stored information relating to delinquency, charge-off, yield and payment rate performance for the credit card receivables included in the Master Trust II Portfolio by vintage origination year and, beginning with the calendar quarter ended March 31, 2006, this information is presented and will be updated on a quarterly basis. FIA Card Services anticipates that this information will ultimately be presented for the five most recent vintage origination years. As a result, the full array of static pool information relating to the Master Trust II Portfolio will not be available until 2011.

3 Bank of America BA Master Credit Card II Trust Static Pool : 30+ Days 2007 Originations 5.11% 2006 Originations 1.88% 6.56% 2005 Originations 4.36% 6.76% 2004 Originations 4.04% 5.54% 2003 Originations 4.24% 5.38% The delinquency percentage for any Vintage Segment is calculated by dividing delinquent receivables for such Vintage Segment by total credit card outstanding receivables for such Vintage Segment. Delinquent receivables for any Vintage Segment are the total amount of receivables which are 30 or more days past due as of the end of such Vintage Segment. Total credit card outstanding receivables for any Vintage Segment is all amounts due from cardholders, as posted to their accounts as of the end of such Vintage Segment.

4 Bank of America BA Master Credit Card Trust II Static Pool Originations 2.62% 2006 Originations 0.65% 6.03% 2005 Originations 2.80% 8.23% 2004 Originations 2.82% 6.50% 2003 Originations 3.36% 6.35% Gross charge-off percentage for any Vintage Segment is calculated by dividing the total credit losses (charge-offs) for such Vintage Segment by the average credit card outstanding receivables for such Vintage Segment. Total credit losses (charge-offs) for any Vintage Segment consist of total principal charge-offs before recoveries¹ and also include charge-offs of finance charge and fee receivables during such Vintage Segment. By way of comparison, total charge-offs as generally reported, including with respect to the Master Trust II Portfolio and FIA Card Services reported performance more generally, do not include finance charge and fee receivables. Uncollected finance charges and fees are generally treated as revenue reductions, not credit losses. As a result, for any designated period, total credit losses (charge-offs) as presented above will be higher as compared with total charge-offs with respect to the Master Trust II Portfolio and FIA Card Services reported performance more generally. Average credit card outstanding receivables is the average of the monthly outstanding receivables for such Vintage Segment for the given. Historical data for charge-offs with respect to the Master Trust II Portfolio in the prospectus relating to an offering of BA Credit Card Trust securities (i) unlike the calculation of total credit losses (charge-offs) above, does not include chargeoffs of finance charges or fees and (ii) is calculated using the average daily principal receivables outstanding instead of the average credit card outstanding receivables as defined above. As a result, there are limitations to any comparison of the historical data presented in the prospectus and the static pool data presented in the table above. ¹Total credit losses (charge-offs) do not include the amount of any reductions in principal receivables outstanding due to fraud, returned goods, customer disputes or other miscellaneous adjustments.

5 Bank of America BA Master Credit Card Trust II Static Pool Billed Finance Charge & Fee Yield Per Originations 10.48% 2006 Originations 6.90% 14.15% 2005 Originations 9.51% 16.39% 2004 Originations 12.61% 15.31% 2003 Originations 14.60% 15.89% Billed finance charge and fee yield percentage for any Vintage Segment is calculated by dividing the total amount of billed finance charges and fees for such Vintage Segment by the average credit card outstanding receivables for such Vintage Segment. Total amount of billed finance charges and fees for any Vintage Segment is the periodic finance charges and other credit card fees posted to cardholders' accounts during such Vintage Segment. Average credit card outstanding receivables is the average of the monthly outstanding receivables for such Vintage Segment for the given. Historical data for revenue experience with respect to the Master Trust II Portfolio in the prospectus relating to an offering of BA Credit Card Trust securities (i) unlike the calculation of total amount of billed finance charges and fees above which is based on the related amounts posted to accounts, is calculated based on the related amounts collected on the accounts, (ii) unlike the static pool data presented in the table above, includes recoveries and interchange, and (iii) is calculated using the average daily principal receivables outstanding instead of average credit card outstanding receivables as defined above. As a result, there are limitations to any comparison of the historical data presented in the prospectus and the static pool data presented in the table above.

6 Bank of America BA Master Credit Card Trust II Static Pool Originations 18.43% 2006 Originations 14.74% 17.03% 2005 Originations 15.15% 15.85% 2004 Originations 20.44% 17.53% 2003 Originations 21.16% 18.53% Payment rate percentage for any Vintage Segment is calculated as the average of the monthly payment rate percentages for each month during the periods shown. The monthly payment rate percentage for any month is calculated as a percentage of total monthly account payments received during such month divided by total beginning monthly account balances for such month. Payment rates shown in the table are based on amounts which are deemed payments of total receivables with respect to the accounts. Generally, cardholders must make a monthly minimum payment at least equal to the lesser of (i) the sum of all finance charges, bank imposed fees, a stated minimum amount (generally $15) and past due amounts or (ii) 2.25% of the statement balance plus past due amounts, but generally not less than $15. Certain eligible cardholders are given the option periodically to make a payment deferral. We cannot assure you that the cardholder monthly payment rates in the future will be similar to the historical experience set forth above. In addition, the amount of collections of receivables may vary from month to month due to seasonal variations, general economic conditions and payment habits of individual cardholders. Historical data for the average of the monthly payment rate percentages with respect to the Master Trust II Portfolio in the prospectus relating to an offering of BA Credit Card Trust securities is calculated using the total beginning monthly account principal balances for the related month instead of the total beginning monthly account balances as described above. As a result, there are limitations to any comparison of the historical data presented in the prospectus and the static pool data presented in the table above.