Application Details: Advanta Platinum Rewards Business Card: is for business owners who want to consolidate their business expenses onto one credit card account and also recieve rewards. With The Advanta Rewards Program, cardholders earn one point for every dollar spent on purchases made with the Advanta card. Points can be redeemed for travel rewards or cash back. There is no limit to the number of points that can be earned but points will expire in three years. Advanta Platinum business features auto rental insurance, extended warranty coverage, itemized expense reports, and online account access, discounts on products and services from participating retailers and merchants. The Advanta card has no annual fee and a long term 0% introductory rate on balance transfers. The APR varies and applicants should review the terms and conditions provided by the Advanta and learn why we believe this is the best credit card for small business.

Advanta Platinum Business Card: is for business owners who want to consolidate their business expenses onto a single credit card account. Advanta Platinum business features auto rental insurance, extended warranty coverage, itemized expense reports, and online account access, discounts on products and services from participating retailers and merchants. The Advanta card has no annual fee and a long term 0% introductory rate on balance transfers. The APR varies and applicants should review the terms and conditions provided by the Advanta.

Annual Percentage Rate (APR) for Purchases and Balance Transfers: 7.99%; however, for Balance Transfers only, introductory 0% for the first fifteen billing cycles from the date your account is opened.

Other APRs: Cash Advances: 7.99% or 19.99%. Default: The higher of the account APR plus 3%, or Prime plus a Default Margin of 22.74%.

Grace Period for New Purchases: At least 20 days from statement closing date, if new balance is paid in full in the manner and by the time of day on its due date as shown on statement.

Annual Fee: None.

Minimum Finance Charge: If any finance charge is applicable: $1.

Transaction Fees for Cash Advances and Balance Transfers: Cash Advances other than Convenience Checks: 3% (minimum $5); Convenience Check Cash Advances: 3% (minimum $5; maximum $50). Balance Transfers processed during the introductory period: 3% (minimum $5; maximum $50).

Other Fees: Late Payment Fee: $15 to $39 based on balance. Overlimit Fee: $15 to $39 based on balance. Returned Payment Fee: $29. Dishonored Convenience Check Fee: $29. Convenience Check Stop Payment Fee: $29. Balance Transfer Cancellation Fee: $29. Bank Wire Payment Fee: $15. Annual Program Fee: $35 if you select the Business Rewards program.

Advanta account rates can be fixed rates consisting of stated numerical percentages with no reference to any index, or they can be variable rates consisting of a Prime Rate (the "Variable Rate Index") plus margins. Your account rate for Purchases and Balance transfers will be a fixed 7.99%. Your account rate for cash transactions will be either a fixed 7.99% or a fixed 19.99%, based on our assessment of your credit history and creditworthiness. Your Default rate can be either a fixed or a variable rate (see chart). Your Variable Rate Index for any billing cycle will be chosen by us from among the Prime Rates published in The Wall Street Journal's "Money Rates" section during the three (3) months prior to the month which contains that cycle's Billing Cycle Closing Date, but will not be less than 5.25%. Any rate applicable to any component of your account, including any Default rate, will be applied throughout the entire billing cycle which contains the effective date of that rate, including previous balances as well as new transactions and charges.

Events of default are set out in the Advanta Business Card Agreement and include, among other things, not making payment so that it is received by its due date, paying less than the required amount, and being in default on any other account. Default rates, when imposed, replace other rates including introductory and promotional rates and apply to previous balances as well as to new transactions and charges.

Late Payment Fee varies based on the new balance: $15 on balances under $101; $29 on balances between $101 and $1,001; and $39 on balances over $1,001.

Overlimit Fee varies based on the new balance: $15 on balances under $501; $29 on balances between $501 and $1,001; and $39 on balances over $1,001.

Advanta Business Cards are issued by Advanta Bank Corp., Member FDIC, pursuant to an Advanta Business Card Agreement. The Platinum BusinessCard is a MasterCard Executive BusinessCard. While the rates, indexes, margins, fees, and other account terms described here are typical of those recently offered and in effect on Advanta Business Cards and are expected to apply to your account, your account terms will be in every instance determined by us and reflected in your Card Agreement. Your Card Agreement also contains an arbitration provision, which replaces the right to have claims heard in court by a jury and also precludes participation in class actions. All of your account terms are subject to change. This means that your account rates, including any introductory or promotional rates offered, are not guaranteed; all account rates may be increased, fixed rates may change to variable rates, and variable rates may change to fixed rates. We may change your account terms (including rates) at any time for any reason. We may also change your account terms (including rates) if any Event of Default under your Card Agreement occurs. Events of Default include (among other things) failing to make any minimum payment due so that it is received by its due date, or exceeding your account credit limit, or making a payment to us that is not honored by your bank, or failing to make a required payment when due or otherwise being in default on any other account you have with us or any other creditor, or failing to keep your credit rating in good standing, or our concluding that you present a risk of future non-payment or the basis on which we determined your creditworthiness and eligibility for your account terms has changed. In determining any changes to your account terms (including rates), we may consider the length of time your account has been open; the extent, seriousness and timing of any Events of Default; and other factors relating to your account use and performance. All changes to your account terms (including rates) will be made in accordance with your Card Agreement, which you should read carefully and retain. We allocate your payments and credits to pay account balances bearing lower interest rates (such as introductory and promotional rate balances) before balances bearing higher interest rates.

Your Request for Credit: The person (the "Signing Individual") whose name appears on an Advanta Bank Corp. ("ABC") credit application or invitation response (the "Application"), by submitting the Application, (1) represents that he/she is at least 18 years of age, a U.S. citizen or permanent legal U.S. resident, and either a proprietor or an authorized representative, partner, officer, or agent of the business identified in the Application (the "Business"); (2) agrees for him/herself individually and on behalf of the Business to be bound by the terms and conditions of the Advanta Business Card Agreement (the "Card Agreement") which, if and when issued, will be mailed with one or more requested credit cards (each, a "Card"); and (3) requests that ABC establish an Advanta Business Card account and issue Cards on the account to the Signing Individual and to each additional person (if any) for whom a Card is requested. The Signing Individual further acknowledges and agrees that: (i) all information provided in the Application or otherwise in connection with the request for credit is complete and correct; (ii) by using any Card or the account, the Signing Individual and the Business each agree to be bound by the terms of the Card Agreement; (iii) ABC may from time to time verify any information provided in the Application or otherwise in connection with the request for credit, may investigate credit and order reports on the Signing Individual, the Business, and all persons for whom Cards are requested from credit reporting agencies and other appropriate sources, and may use this information, in addition to any business information which may be requested, to evaluate and approve the Application and determine the credit limit and any other terms for the account; (iv) ABC may answer inquiries from, and report to, credit reporting agencies and others relating to its receipt of and decision on the Application and its experience on the account; (v) ABC may exchange credit and other information from the Application and on the account, the Signing Individual, the Business and any other persons for whom Cards are requested or issued with its affiliates and/or third parties (including any co-brand vendor, service provider, affinity group or other person or entity who identified the Signing Individual, the Business, or any other such person to ABC as a customer, prospect, or member or in which membership is an ABC program benefit or who contacted you on ABC's behalf) unless it receives a written request at P.O. Box 30715, Salt Lake City, Utah 84130-0715 that it not do so; (vi) the Cards and the account will be used solely for business purposes (including commercial, industrial and professional purposes) and not for personal, family, or household purposes; (vii) the Signing Individual and the Business are jointly and severally liable for all transactions on the account (which means that the Signing Individual is personally liable for all amounts due ABC on the account); (viii) any person to whom a Card is issued is also personally liable for all transactions made with that Card; and (ix) to the extent not restricted or prohibited by applicable law, and whether or not ABC approves the Application, ABC may refer Application information to others for the purpose of offering credit and/or other products and services to applicants.

Any sample card or card art shown or included in any ABC credit solicitation is intended solely to illustrate how the recipient's customized Advanta Business Card could appear if and when issued, and is not an illustration of an actual credit card or an attempt by anyone to trade on the recipient's business name. If ABC offers you the opportunity to design your Card with a business name and/or logo, you represent and warrant to ABC that you are the lawful owner or licensee or user of that business name and/or logo and that you will indemnify ABC and its affiliates for any claim arising out of the use of that name and/or logo. You should consult your tax advisor as to the proper tax treatment and deductibility of any business expenses including the cost of credit. All rates and comparisons are valid as of 01/10/05 but not necessarily thereafter.

ABC may withdraw or change the terms of this offer if it does not receive your completed application by the expiration date, or if it cannot confirm your identity or verify any of the information provided to it in the application or otherwise, or if it determines that you do not meet the criteria established for this offer, or if you already have a business account with ABC or any of its affiliates or have applied for or been considered for such an account within the previous 90 days, or if any person submitting the application or for whom a Card is requested is under the age of 18 or is not a U.S. citizen or a permanent legal U.S. resident.

Balance Transfers: ABC will transfer full or partial balances on other business accounts, in amounts up to $250 less than the amount of your total available ABC credit line, to your ABC account, after it is approved, by processing your requests in the order indicated. (These transfer payments by ABC are the only "balance transfers" to which ABC's balance transfer account APRs apply). You should continue making payments on those other accounts until ABC's transfer payments appear as credits on your other account statements. ABC cannot transfer balances from non-business accounts, and cannot close any accounts from which you have requested Balance Transfers, even if a requested transfer reduces an account balance to zero. (To close such an account, you must contact the lender who maintains that other account.) See "Summary of Important Advanta Business Card Terms and Conditions" for applicable fees.

Advanta Bank Corp. complies with the USA PATRIOT Act, which requires that we verify and record the identification information about you requested in the application.

Cash Back Rewards Program Rules
1. Your monthly statement will track rewards earned for the current month.
2. Cash back rewards are earned on Net Purchases only, which means purchases of goods and services made with an Advanta BusinessCard while the account is in good standing by any authorized user of the account, net of any returns and credits. Net Purchases does not include, and rewards are not earned on, finance charges, cash advances, balance transfers, convenience checks, fees, or any other non-purchase transactions.
3. Rewards are paid by check (to the order of the account's Signing Individual) and will be generated and mailed following any billing cycle in which your unpaid earned rewards reach $50. Rewards are not available in the form of reductions in the amount of any account payments due.
4. You will earn cash back rewards of 5% on all qualifying Net Purchases of "gasoline and diesel fuel", "computers, computer supplies, electronics and office supplies" and "utilities and telecommunications." Qualifying purchases are those made for business purposes using the Advanta BusinessCard at retail establishments that for "gasoline and diesel fuel" are gas stations that process the transactions as fuel purchases; for "computers, computer supplies, electronics and office supplies" are merchant locations classified as computer, computer peripheral equipment and software distributors, electronics stores, computer software stores, or office supply stores; for "utilities and telecommunications" are merchant locations classified as utility or computer network service providers. Mail, telephone, catalog, and Internet purchases may not qualify; merchants may classify these transactions differently. You will earn cash back rewards of 1% on all Net Purchases other than the qualifying purchases defined above. You can earn a maximum of $300 in total cash back rewards on all Net Purchases (both qualifying and other) made in any twelve-cycle enrollment period (measured from the date of your enrollment in the Cash Back program).
5. To earn and receive cash back rewards, your account must be open and in good standing. If your account is voluntarily or involuntarily closed, no disbursement will be made of any earned rewards. If account status is never returned to good standing, any earned rewards will be forfeited.
6. Advanta assumes no tax liability for cash back rewards earned or paid on your account.
7. Cash back rewards earned on additional cards will be credited to the Signing Individual's account only, and will be paid only to the Signing Individual.
8. These Advanta Cash Back program rules and features are not provisions of your Advanta BusinessCard Account Agreement, and Advanta Bank Corp. reserves the right to change or discontinue this Advanta Cash Back program or any of its features, or to change any of these Cash Back program rules, at any time without notice. The Advanta Cash Back program is void where prohibited by law.

Advanta Business Rewards Program Rules
Point Accumulation
A Cardmember will earn one point for each $1 in Net Purchases charged on his/her Advanta BusinessCard account. Net Purchases means purchases of goods and services made with the Advanta BusinessCard while the account is in good standing by any authorized user of the account, net of any returns and credits. Net Purchases do not include, and points are not earned for, cash advances, balance transfers, convenience checks, fees or charges of any kind, or any other non-purchase transactions. Any questions regarding the eligibility of a purchase will be resolved at the sole discretion of Advanta.

There is no limit to the number of points a Cardmember can earn. For accounts with multiple cards, points will be earned on the Signing Individual's account. Points are not transferable, have no cash value or partial or residual value, and cannot be combined. Points will be administered according to the program rules established and interpreted by Advanta and the Program Administrator. Point balance information is shown on the Cardmember's monthly billing statement or is available by logging onto the Advanta Business Rewards Center at www.advanta.com. Points expire 36 months after they are earned.

Point Redemption
To redeem points, a Cardmember's account must be open and in good standing. Points will be redeemed on a first-in, first-out basis. For accounts with multiple cards, only the Signing Individual may redeem points on the account.

To redeem points for certificates and merchandise, Cardmembers can either log onto www.advanta.com or call Advanta Customer Service toll-free at 1-800-705-7255. For travel-related redemptions, Cardmembers must contact Advanta Customer Service.

Points are not redeemable for cash, cannot be exchanged or returned for cash, do not constitute credits to the Cardmember's account, and cannot be used to offset the Cardmember's obligations to Advanta or otherwise. For travel rewards, a redemption fee of up to $15 per ticket may be charged to the Cardmember's Advanta BusinessCard account at the time of redemption.

Travel
Free roundtrip coach airline tickets require a minimum 21 day advance purchase and Saturday night stay. There are no blackout dates, no open jaws, no circle trips, and no stopovers are allowed. A maximum 30-day stay is permitted. All airline rules and restrictions apply. Tickets are restricted to limited booking class of service and fare basis, subject to availability and restricted to select air carriers.

The following terms and conditions apply to the free roundtrip tickets and travel discounts. There are no blackout dates. Once the reservations are made, all rewards will be non-refundable, non-transferable. A minimum $100 per ticket change/cancel fee will apply to domestic reservations and a minimum $200 per ticket change/cancel fee will apply to international reservations. Cardmembers are also responsible for any fare increases on changes. A per ticket reissue fee will apply to any reservations that request a change of itinerary. All tickets will be issued as electronic tickets unless e-tickets are not available. An additional fee of a minimum $50 per ticket will apply if an e-ticket can be issued but a paper ticket is requested. All paper tickets require a minimum $12 shipping/handling charge. Reward levels are non-combinable and cannot be combined with any other coupon or discount (one redemption allowed per ticket). Prices include all taxes and fees for tickets purchased using points. The Cardmember may supplement a travel discount or value cap ticket with additional funds. All returns and exchanges should be handled directly with the issuing airline. Advanta Customer Service can be consulted when special circumstances arise. All tickets must be issued at the time of booking and reservations will not be held. Travel documents should be accessed via the internet at www.qrt.bz. However, in the event the internet is not available, a copy of the travel itinerary can be faxed or mailed. All travel must be booked through Quality Reward Travel (QRT). Internet/web fares, charter fares and consolidator fares do not apply. Neither Advanta, the Program Administrator, nor QRT is responsible for communication of airline schedule changes. Cardmembers should reconfirm flight reservations at least 24 hours prior to departure for domestic reservations and 72 hours prior to departure for international reservations. Cardmembers should have valid photo ID for airport check-in. Additional ID may be required for travel outside the United States and is the Cardmember's responsibility. Additional rules and restrictions may apply.

The following terms and conditions apply to destination travel packages. Blackout dates for 2005 include January 1-4, February 11-21, March 25-April 3, May 27-31, July 1-6, September 2-7, November 19-29 and December 16-31. Space is subject to availability. Trips may require a Saturday night stay. A minimum 60-day advance booking notice applies. All packages are subject to change/cancel penalties by QRT and package vendors. QRT reserves the right to substitute vendors without notice, based upon availability (vendors will only be substituted if package price falls within allotted budget). All returns and exchanges must be handled directly with QRT. Advanta Customer Service can be consulted when special circumstances arise. Travel packages are valid through December 15, 2005.

The following terms and conditions apply to all travel rewards. Travel returns for point credits will not be accepted. Awards cannot be redeemed for cash and have no cash value. The Cardmember is responsible for all airline-related fees, facility charges, segment fees, ticketing, taxes, customs, baggage, security, fuel surcharges and other government imposed fees; and any expedites, special requests and exceptions. All fees are payable at time of redemption. Lost, stolen or expired tickets cannot be replaced. Any airline tickets not redeemed by points will be subject to all QRT issuance fees and restrictions.

The Program Administrator is not responsible for the performance of airlines or any provider of service, including but not limited to delivery, bankruptcy, changes, etc. for any service under this program. All reservations are made subject to the conditions of carriage, supply or business of the party providing the service, which include exclusions and limitations of liability. All documentation, receipts and tickets issued are subject to the terms and conditions specified by the suppliers. All airline rules and restrictions apply.

Merchandise
The Program Administrator is not responsible for, and does not represent, rewards products or providers. Any applicable manufacturers' warranty will be included with the order. Actual products may vary from pictures and descriptions due to printing variations and/or manufacturers' updates.

Bonus Cards
Bonus Cards are not transferable and cannot be returned. Cardmembers may order Bonus Cards for themselves and/or for other persons. At the time of redemption, Cardmembers must specify the name of each such other person so that person's name can be correctly embossed onto the Bonus Card. Multiple recipients require multiple redemption orders. Bonus Cards are good for purchases for one year from the date of issue and are limited to the balance of pre-paid funds available in the Bonus Card debit account. There is no fee to activate the Bonus Card. However, if a Cardmember does not use the entire Bonus Card within 6 months, the Bonus Card will then be charged a $4.95 monthly maintenance fee for as long as there are funds remaining on the Bonus Card. Cardmembers are not able to use Bonus Cards for withdrawals of cash from ATMs or for any other non-purchase transaction. Upon any purchase made using the Bonus Card, the available balance shall be reduced by the amount of such purchase. Bonus Cards are not reloadable. The Cardmember is responsible for resolving all disputes concerning the quality of purchased goods or services with the merchant that accepts the Bonus Card. Bonus Cards can be ordered through www.advanta.com and are issued by BANKFIRST.

Gift Certificates/Cards
The Program Administrator and participating suppliers are not responsible for replacing lost, stolen, destroyed or expired Gift Certificates/Cards. Certificates/Cards cannot be returned. Use of any Certificate/Card is subject to any restrictions listed on or otherwise applicable to the Certificate/Card and to any expiration dates. Certificates/Cards are not redeemable for cash or credit under any circumstances except where required by law, nor can they be applied as a payment to any credit or loan account. Certificates/Cards may have charges for non-use and non-activation. Certain Certificates/Cards may have specific applicable terms and conditions, which will be included with those items when delivered.

Austin-Lehman Adventures - Reservations should be made in advance by calling Austin-Lehman Adventures at 1-800-575-1540. You can also reserve online at www.austinlehman.com/reservations.htm or by email at info@austinlehman.com. To make a reservation, contact Austin-Lehman Adventures with your choice of trip and dates and a $500 deposit per person, per trip. Full payment is required at the time of booking if your trip departs within 90 days.

Avis - Avis Services will be based upon the regular Avis rates in effect at the time and location where you present the voucher. Renter must meet Avis's age, driver and credit requirements. The voucher must be used within one year of the issue date. Other terms and conditions, which are listed on the voucher, may apply. Please read the voucher upon receipt. For reservations, visit www.avis.com or call 1-800-331-1212 in the U.S. Credit cards are required at the time of rental to secure vehicles. Debit cards are only accepted at time of rental vehicle returns.

Barnes & Noble - Barnes & Noble gift cards can be used at any Barnes & Noble store nationwide and on Barnes & Noble.com (www.bn.com). This card can also be used at B. Dalton Bookseller. Barnes & Noble gift cards are issued by Marketing Services (Minnesota) Corp. Barnes & Noble is not a sponsor or co-sponsor of this promotion. Please see back of gift card for terms and conditions of use. Other conditions may apply to online usage. See website for details. Barnes & Noble is not liable for any alleged or actual claims related to this offer.

Coach - Coach gift certificates can be redeemed in Coach retail stores in the U.S., with catalogue orders or with Coach's online mail/fax form. Call 1-800-444-3611 to order a catalogue or to locate the store nearest you.

CompUSA - Cards must be activated before use. Only valid for retail purchases of products and services at any CompUSA retail store. Not valid for corporate, government, education, mail order, direct or internet purchases. After 12 consecutive months of non-use, a dormant account charge of $2.00 may be deducted each month from the remaining card balance, except where prohibited by law. This dormancy charge will not be refunded. CompUSA is not responsible for unauthorized use of any individual card number. Each card has no cash value. CompUSA is not affiliated with Advanta Bank Corp.; see compusa.com for CompUSA CompGift Card terms and conditions.

Darden® Restaurants (Red Lobster®/Olive Garden®) - Please see the back of the gift card for complete terms and conditions. Darden Restaurants (Red Lobster®, Olive Garden®, Bahama Breeze®, Smokey Bones®) is not affiliated with Advanta Bank Corp. Use of Darden Restaurants' names, logos, images or trademarks requires written approval from Darden Restaurants.

Dillard's - This card may be redeemed for merchandise or service only. This card is issued by and is an obligation of Dillard's Dollars Inc. and is accepted at any Dillard's store. For your card balance, please call 1-800-269-5826.

Elizabeth Arden Red Door Spa - Gift certificates will be honored at any of our Red Door Spa locations. Services and prices may vary by market. This certificate is not transferable or redeemable for cash or credit. This certificate expires on December 31 of the year following the year in which it was purchased unless otherwise stated. If not redeemed prior to the expiration date, Elizabeth Arden will redeem the certificate by sending cosmetics or other products of equal value to charity.

Hyatt - This Hyatt Check Certificate will only be accepted for goods and services at participating Hyatt Hotels and Resorts as listed on the front of the certificate. Locations are subject to change without notice and acceptance varies by property. The certificate may be used in the following manner: As a registered guest to cover publicly listed and available room rates and packages; to cover food and beverage charges at participating Hyatt outlets. The certificate is not valid for Casino charges, deposit or payment for group/meetings/catering functions, or for advance purchased packages or Hyatt Vacations® packages. Goods and services must be charged to the room and the Hyatt Check Certificate should be redeemed at the front desk at check-in or check-out. In the U.S. and Puerto Rico, the total charges will be reduced by the face value of the Hyatt Check Certificate. Outside the U.S., the total charges will be reduced by converting the USD value of the Hyatt Check Certificate into local currency according to the daily foreign exchange board rate.

Hyatt Check Certificate may be used by a non-registered guest at participating hotels in the U.S., Canada and the Caribbean only. The Hyatt Check Certificate should be redeemed at the time of purchase. Hyatt Check Certificates may be supplemented by payment of cash, acceptable check or valid credit card. No credit or change will be given on unused portion of certificate. Not redeemable for cash or other substitutions, not replaceable if lost, destroyed, stolen or expired, and void if altered, photocopied, or reproduced. Terms are void where prohibited by law. The use of certificates at certain destinations shall be subject to respective government approvals, regulations, restrictions and applicable taxes. Terms and conditions of the certificate are governed by the laws of the state of Maryland, USA. Certificates will not be extended beyond their expiration date. Tax liability, if any, including disclosure, is the user's responsibility. Certificates may not be accepted at concessions within the participating hotel not owned or operated by Hyatt.

Please confirm with the hotel prior to making a purchase. Hyatt Hotels and Resorts encompasses hotels and resorts managed, franchised, or operated by two separate groups of companies - Hyatt Corporation and its affiliates and affiliates of Hyatt International Corp.

Macy's - This card may be used to purchase merchandise and in-store services only. Additional returns may be applied to this card. When you make a purchase with your Gift Card, your receipt will show your remaining balance and expiration date. Please safeguard your Gift Card. The bearer is responsible for its loss or theft. If your Gift Card is lost or stolen, and you have proof of purchase, we will issue you a replacement for the balance shown on our records. This card expires 2 years from date of last value added. To check the expiration date or balance of your Gift Card, call 1-800-511-2752 or see a Macy's Sales Associate. Your Gift Card is required for all inquiries. This card is issued by Federated Gift Card Company. This card is accepted at these stores: Bon-Macy's, Burdines-Macy's, Goldsmith's-Macy's, Lazarus-Macy's, Macy's, macys.com, Rich's-Macy's.

Marriott® - Marriott Cheques are valid at all Marriott Hotels & Resorts, JW Marriott® Hotels & Resorts, Renaissance® Hotels & Resorts, Courtyard®, Residence Inn®, Fairfield Inn®, SpringHill Suites®, TownePlace Suites® and Marriott Vacation ClubSM International (rentals only) locations worldwide. It is not necessary to be a registered guest to use Marriott Cheques. Marriott Cheques are accepted at face value in U.S. dollars. Cheques will be converted into local currency value at the hotel's current exchange rate. Change will not be given on Cheques presented as payment for goods and services. Marriott Cheques are not replaceable if lost, stolen, destroyed or expired. Marriott Cheques expire one year from issuance.

Marriott® Peak Season Golf Round - This award (equaling two certificates) is only valid at the Marriott locations listed on the award. Blackout dates may apply. Guests must present and surrender this award prior to playing the round of golf. This award may not be valid where restricted by law. This award may be used to pay for 2 rounds (18 holes for two including cart). This award may be valid for 4 rounds (18 holes for four) with cart during certain times of the year as defined by the participating golf course. Complimentary use of the driving range included, where available. Food, beverages, service charges, and other taxes or incidental expense are not included. Some resorts may require an advance deposit in order to hold a reservation. Some resorts may require a hotel stay upon redemption of this golf award. Marriott Miles and Marriott Rewards points are not earned with award use. This award is issued by and is the property of MI Fulfillment Services, LLC. Awards are transferable, but are not redeemable for cash and are void if sold for cash or other consideration. Any tax liability, including disclosure, connected with receipt or use of this award is the recipient's responsibility. Tee times are subject to availability and seasonal conditions. Seasonal definitions can be obtained by calling the course, and are subject to change without notice. Tee times may be made 30 days in advance unless otherwise restricted by participating course. Not valid for group play (more than four players).

Marriott® Worldwide Award - This award is valid at all Marriott Hotels & Resorts and Renaissance® Hotels & Resorts worldwide. Award holders must make qualifying reservations in advance in order to use this award. Please use the code set forth on the front of the award when making reservations. Check with the reservation agent when making reservations to see if additional length-of-stay restrictions apply. This award may not be valid where prohibited or restricted by law. Award holders with qualifying reservations must present and surrender this award at the time of check-in. This award may be used to pay for the expense of one comfortable guest room, a full breakfast buffet or all-American breakfast for two and related taxes, and not to pay for other food, beverage, parking, service charges, gratuities, other taxes, or other incidental expenses of any kind. This award is good for one guestroom for the number of night(s) shown on the front of this award. This award is issued by and is the property of MI Fulfillment Services and has no cash value. This award is not valid for use after the printed expiration date. This award is not redeemable for cash or Marriott Gift Certificates. No change or credit will be given on any unused portion of this award. This award is void and will not be honored if sold for cash or other consideration. This award is transferable when gifted. Marriott Rewards points can't be earned with the redemption of this award. Other than covered sales taxes, any tax liability or obligations, including disclosure, connected with receipt or use of this award is solely the responsibility of the holder. Resorts or properties outside of the U.S. may require an advance deposit. Please check with the reservation agent when making reservations. Participating properties are subject to change without notice.

Royal Caribbean Cruise - Certificates must be redeemed through Royal Caribbean International for the U.S. dollar value on the face of the certificate. Certificates cannot be redeemed through travel agencies. Certificates can be used in multiples and can be supplemented with accepted cash or credit. Certificates can be used for deposits and final payments. All reservations are subject to availability. Certificates are not transferable. Certificates are valid for all sailings, ships and cabins, including air/sea cruises. Certificates cannot be applied to existing reservations and can only be used toward new cruise bookings. Call Royal Caribbean International at 1-800-722-5237 to request a brochure or make reservations.

Staples® - This card is redeemable for merchandise or services only in Staples U.S. retail stores, and cannot be exchanged for cash or used for credit card payments. If this card is lost, stolen, or damaged, present the required proof of purchase (or damaged card) at a Staples U.S. retail store and we will send you a replacement card for the balance remaining at the time this card is deactivated. Contact any Staples U.S. retail store for additional details and assistance. This Gift Card is issued by Staples Value, LLC. To make a purchase, present this card at a register in any Staples U.S. retail store. Your receipt will show the remaining balance on the card. To learn the current balance on the card, or if you have any questions about the card, please call 1-888-609-6963. Staples is neither a sponsor of this offer nor an affiliate of Advanta Bank Corp. Staples gift cards are valid in U.S. Staples stores only. Please see back of gift card for complete terms and conditions of use.

The Ritz-Carlton® Hotel Company, L.L.C. - Certificates are valid at all participating Ritz-Carlton Hotel and Resort locations. It is not necessary to be a registered guest to use the Ritz-Carlton currency. Certificates are accepted at face value in U.S. dollars and will be converted into local currency value at the hotel's current exchange rate. For hotel locations, information and reservations, Cardmembers can call 1-800-241-3333.

The Sharper Image® - Merchandise certificates are redeemable for merchandise at any Sharper Image location or through its mail order catalogs for twelve months from date of issue. If the total purchase is less than the value of the certificate, Cardmembers will receive another merchandise certificate for the difference. Not valid with other coupon/discount/promotional offers. Not valid toward the purchase of gift certificates. Not valid with previous purchases. Not all certificates are valid on phone orders. Not valid with auction site purchases. Cardmembers can call 1-800-344-5555 for more details.

Online Only Catalog Items
Throughout the year, additional redemption items will be added to the online rewards catalog as Online Only items. Please see the online catalog for the most up-to-date list of redemption opportunities. Online Only items can be redeemed online and through customer service. Any new program rules associated with Online Only items will be found here in the online version of the Program Rules.

Best Buy - Lost, stolen or damaged cards replaced only with valid proof of purchase to extent of remaining card balance. Not valid as payment on Best Buy Credit Card. Redeemable at any Best Buy U.S. location for merchandise and services only. No sponsorship, endorsement, approval or responsibility for this promotion by Best Buy is intended or implied. Best Buy is not affiliated with Advanta.

The Home Depot® - You may use this Gift Card toward the purchase of merchandise at any Home Depot store, EXPO Design Center, or Home Depot SupplySM store. This Gift Card has no implied warranties and is not a credit card or debit card. This Gift Card is redeemable for merchandise only. You may check your card balance at any store. Lost, stolen or damaged Gift Cards will not be canceled and replaced without the required proof of purchase. Contact your local store for details. Home Depot Incentives, Inc. reserves the right to change these requirements. Advanta is not affiliated with The Home Depot®. The Home Depot® is a registered trademark of Homer TLC, Inc.

Shipping and Delivery
Merchandise, Bonus Card, and Gift Certificate/Card redemptions include applicable sales tax and shipping/handling. Shipping of reward items is only available within the 50 U.S. states, cannot be delivered to a PO Box, FPO or APO address, and may require a signature. (Note: Bonus Cards and Gift Certificates/Cards, but not other rewards items, can be shipped to a PO Box.) Delivery of rewards items will be made by ground delivery service or first-class mail to the address designated by the Cardmember and may require up to six weeks or longer for larger items. Merchandise to Alaska and Hawaii is shipped via UPS 2-day air. Reasonable delivery times and guidelines apply at the discretion of the Program Administrator.

Shipping to an alternate address at the time of redemption is permitted. However, a destination telephone number at the time of placing the order will be required. Cardmembers may also expedite the shipping on all rewards items, except Bonus Cards and drop ship merchandise. Expediting costs are the responsibility of the Cardmember and will be paid by the Cardmember at redemption.

For merchandise redemptions consisting of multiple items, partial orders will ship as merchandise becomes available. Cardmembers must accept delivery as items become available. Cardmembers will be notified of any delays in delivery. If an item is discontinued or otherwise unavailable, a different item of equal or greater value may be substituted.

Rewards items are not returnable unless merchandise is damaged or defective upon delivery. Cardmembers may return damaged or defective merchandise within 30 days of receipt. Cardmember must retain all packaging materials and report damages to Advanta within 24 hours. The item will be exchanged or Cardmember will receive a rewards account credit for the rewards value of the merchandise returned. On defective/damaged returns requested later than 30 days from receipt, the Cardmember is responsible for contacting the manufacturer directly regarding returns/warranties. To return a merchandise item, Cardmembers should call Advanta Customer Service at 1-800-705-7255 for complete instructions.

General
There is an annual program fee, currently $35, for the Advanta BusinessCard with Business Rewards program. Business Rewards program membership will be automatically renewed each year at the terms and fees then in effect, unless Cardmember notifies Advanta of cancellation. Eligibility is restricted to Advanta Business Rewards Cardmembers whose accounts are in good standing. No points are earned, and no points may be redeemed for rewards, at any time when the account is not open and in good standing. If account status is never restored to good standing, any accrued unredeemed points are forfeited. If an account is closed by a Cardmember or by Advanta, the Cardmember will no longer be able to redeem points and any accrued unredeemed points will be forfeited.

Advanta Business Rewards selections are subject to change and to availability. Advanta or the Program Administrator may discontinue selections or make substitutions of equal or greater value without advance notice. Cardmembers are responsible for any fees, taxes and charges and for any personal tax liability related to participation in the program as a result of points earned and/or redeemed.

In the event of fraud or abuse of Program privileges or violation of Program rules (including any attempt to sell, exchange or otherwise transfer points or any instrument exchangeable for Advanta Business Rewards), Advanta and the Program Administrator reserve the right to cancel membership in the Business Rewards Program.

All rewards items are provided by third parties who are responsible for the items supplied. By redeeming points, the Cardmember releases Advanta and the Program Administrator from any and all liability regarding the redemption of points and regarding any product or services for which they are redeemed. These Program rules replace and supersede all previous rewards rules, catalogs and brochures and are subject to change without notice.

The Advanta Business Rewards Program is void where prohibited by law. The Advanta Business Rewards Program is offered at the sole discretion of Advanta, who reserves the right to change or discontinue any Program feature at any time. Every effort has been made to ensure that the information provided is accurate, but neither the Program Administrator nor Advanta nor any other entity or person associated with the Business Rewards Program shall have any liability arising from, or related to, the Program.

About Our Advanta Reviews: We offer credit card reviews as an educational and informational service to our customers. These reviews are for informational purposes only. See the card issuer's site for current terms, conditions and other disclosures. For more sophisticated and extensive financial education visit ou News Section, not merely oversimplified tips, but useful information that will help increase your financial freedom. Our bottomline, Advanta cards are best for business.

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