Billed Finance Charge & Fee Yield Percentage
Master Trust II- 2 Portfolio beginning January 2006
By Vintage Segment as of June 30, 2009
| |
Vintage Performance Year |
| |
Year 1 |
Year 2 |
Year 3 |
Year 4 |
Year 5 |
YTD- Year to Date 2009 |
| 2009 Originations |
 |
|
|
|
|
5.56% |
| 2008 Originations |
8.30% |
|
|
|
|
10.63% |
| 2007 Originations |
10.48% |
14.97% |
|
|
|
17.73% |
| 2006 Originations |
6.90% |
14.15% |
17.03% |
|
|
16.68% |
| 2005 Originations |
— |
9.51% |
16.39% |
15.84% |
|
15.55% |
| 2004 Originations |
— |
— |
12.61% |
15.31% |
14.56% |
14.36% |
Information relating to the credit card receivables included in the Master Trust II- 2 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 expense or effort.
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 Vintage Performance Year.
Historical data for revenue experience with respect to the Master Trust II- 2 Portfolio in the prospectus relating to an offering of BA Credit Card Trust securities (i- 1) 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- 2) unlike the static pool data presented in the table above, includes recoveries and interchange, and (iii- 3) 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.
More Static Pool Data
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