[Letterhead of Richards, Layton & Finger, P.A.]
January 18, 2007
BA Credit Card Funding, LLC
214 North Tyron Street, Suite #21-39
NC1-027-21-04
Charlotte, NC 28255
Re: BA Credit Card Trust
Ladies and Gentlemen:
We have acted as special Delaware counsel for FIA Card Services, National Association, a
national banking association (the "Bank"), and BA Credit Card Funding, LLC, a Delaware limited liability company
("Funding"), in connection with the Registration Statement on Form S-3 (Registration Nos. 333-136122,
333-136122-01 and 333-136122-02), as amended (the "Registration Statement"), filed by Funding with the Securities
and Exchange Commission under the Securities Act of 1933, as amended (the "Act"), for the registration under the
Act of the BAseries Class A(2007-1) Notes (collectively, the "Notes"), representing obligations of BA Credit Card
Trust, a Delaware statutory trust (the "Trust"), to be issued pursuant to the Indenture (as hereinafter
defined). At your request, this opinion is being furnished to you.
We have made such inquiries and examined such documents as we have considered necessary or
appropriate for purposes of giving the opinions hereinafter set forth, including the examination of executed or
conformed counterparts, or copies otherwise proved to our satisfaction, of the following:
(a) The Certificate of Trust of the Trust, effective on May 4, 2001, as filed in the
office of the Secretary of State of the State of Delaware (the "Secretary of State") on May 4, 2001, as amended
and restated by the Amended and Restated Certificate of Trust of the Trust, effective on June 10, 2006, as filed
in the office of the Secretary of State on June 9, 2006;
(b) The Trust Agreement of the Trust, dated as of May 4, 2001, between the Bank, as
beneficiary, and Wilmington Trust Company, a Delaware banking corporation, as owner trustee (the "Owner Trustee");
(c) The Amended and Restated Trust Agreement of the Trust, dated as of May 24, 2001, as
amended by the First Amendment thereto, dated as of July 12, 2001, the Second Amendment thereto, dated as of
August 1, 2002, the Third Amendment thereto, dated as of June 27, 2003, and the
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January 18, 2007
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Fourth Amendment thereto, dated as of January 27, 2006, each between the Bank, as beneficiary and transferor,
and the Owner Trustee, and acknowledged and accepted by the Trust;
(d) The Second Amended and Restated Trust Agreement of the Trust, dated as of June 10,
2006, between the Bank, as beneficiary and transferor, and the Owner Trustee, and acknowledged and accepted by
the Trust;
(e) The Third Amended and Restated Trust Agreement of the Trust, dated as of October 20,
2006, between Funding, as beneficiary and transferor, and the Owner Trustee, and acknowledged and accepted by the
Trust and the Bank;
(f) The Second Amended and Restated Indenture, dated as of October 20, 2006 (the "Master
Indenture"), between the Trust, as issuer, and The Bank of New York, a New York banking corporation, as indenture
trustee (the "Indenture Trustee"), and acknowledged and accepted by the Bank, as supplemented by the Amended and
Restated BAseries Indenture Supplement, dated as of June 10, 2006 (the "Indenture Supplement"), between the
Trust, as issuer, and the Indenture Trustee, and as further supplemented by the Class A(2007-1) Terms Document,
dated as of January 18, 2007 (the "Terms Document"), between the Trust, as issuer, and the Indenture Trustee (the
Master Indenture, as supplemented by the Indenture Supplement and the Terms Document, is hereinafter referred to
as the "Indenture");
(g) The Registration Statement;
(h) The prospectus, dated January 9, 2007 (the "Prospectus"), and the prospectus
supplement related to the Notes, dated January 10, 2007 (the "Prospectus Supplement");
(i) A certificate of the Trust, dated January 18, 2007, as to certain matters; and
(j) A Certificate of Good Standing for the Trust, dated January 18, 2007, obtained from
the Secretary of State.
We have obtained or have been furnished with, and have relied upon with respect to factual
matters, such certificates, advices and assurances from public officials and others as we have deemed necessary
or appropriate for purposes of this opinion.
With respect to all documents examined by us, we have assumed that (i) all signatures on
documents examined by us are genuine, (ii) all documents submitted to us as originals are authentic, and (iii)
all documents submitted to us as copies conform with the original copies of those documents.
For purposes of this opinion, we have assumed, at the time of issuance and sale of the Notes,
(i) except with respect to the Bank, Funding and the Trust, the due authorization, execution and delivery by all
parties thereto of all documents examined by us, (ii) that the Bank will have taken all necessary corporate
action, Funding will have taken all necessary limited liability company action, and the Trust will have taken all
necessary trust action, to cause the issuance and sale of the Notes, (iii) that
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January 18, 2007
Page 3
the issuance and sale of the
Notes will not be contrary to any applicable law, rule, regulation or order, and (iv) in connection with the
documents of which we have reviewed a form, that all blanks contained in such documents will be properly and
appropriately completed, and optional provisions included in such documents will be properly and appropriately
selected, and as executed, such documents will conform with the forms of the documents reviewed by us.
This opinion is limited to the laws of the State of Delaware and United States of America
federal law, and we have not considered and express no opinion on the laws of any other jurisdiction. Our
opinions are rendered only with respect to Delaware and United States of America federal laws and rules,
regulations and orders thereunder which are currently in effect.
Based upon the foregoing, and upon our examination of such questions of law and statutes as we
have considered necessary or appropriate, and subject to the assumptions, qualifications, limitations and
exceptions set forth herein, we are of the opinion that, when the Notes have been duly executed, authenticated
and delivered in accordance with the Indenture, paid for, and sold in the manner described in the Registration
Statement, any amendment thereto and the Prospectus and the Prospectus Supplement, the Notes will be legally
issued, fully paid, nonassessable and binding obligations of the Trust, and the holders of the Notes will be
entitled to the benefits of the Indenture. The foregoing opinion is subject to applicable bankruptcy,
insolvency, reorganization, arrangement, fraudulent transfer and conveyance, moratorium and other laws relating
to or affecting the rights of creditors generally, general principles of equity, including, without limitation,
concepts of materiality, reasonableness, good faith and fair dealing, and the possible unavailability of specific
performance or injunctive relief, regardless of whether considered and applied in a proceeding in equity or at
law, and safety and soundness requirements.
We understand that you will file this opinion with the Securities and Exchange Commission as an
exhibit to a Current Report on Form 8-K for incorporation into the Registration Statement. We hereby consent to
the filing of this opinion with the Securities and Exchange Commission. We hereby consent to the use of our name
under the heading "Legal Matters" in the Prospectus. In giving the foregoing consent, we do not thereby admit
that we come within the category of persons whose consent is required under Section 7 of the Act, or the rules
and regulations of the Securities and Exchange Commission thereunder.
Very truly yours,
/s/ Richards, Layton & Finger, P.A.
WAY/TCB/MYS