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 for business purposes with the Advanta BusinessCard while the account is in good standing by the Signing Individual or any authorized user of the account, net of any returns and credits. Net Purchases do not include, and points are not earned on, points purchases, cash advances, balance transfers, convenience checks, fees, finance charges, adjustments, or any other non-purchase transactions or charges. 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. No points are earned on transactions made during any billing cycle for which the monthly payment is not paid as agreed or in which the account is over its credit limit or otherwise in default. Points expire 36 months after they are earned.

For accounts with multiple cards, all points are 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.

Point Purchase
Points may be purchased in 1,000 point increments. Each 1,000 points costs $10 which will be charged directly to the Cardmember's Advanta BusinessCard account. No other method of purchase or credit card may be used to purchase points. Points purchases do not earn points, and like all transactions are subject to the account credit limit. Points purchases are irrevocable upon Advanta's authorization. Purchased points are available to be redeemed for rewards immediately upon completion of the points purchase. A Cardmember may purchase a maximum of 120,000 points in any calendar year. All purchased points are subject to all Advanta Business Rewards Program Rules applicable to points, including those concerning forfeiture and expiration.

Point Redemption
To redeem points, a Cardmember's account must be open and in good standing. Points are 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 travel, certificates and merchandise, Cardmembers can either log onto www.advanta.com/rewards or call Advanta Customer Service toll-free at 1-800-705-7255. Redemptions may be made with as few as 5,000 points.

Points do not constitute credits to the Cardmember's account, and cannot be used to offset the Cardmember's obligations to Advanta or otherwise.

Cash
Points may be redeemed for cash, issued in the form of a check, in $50 increments only. Each $50 requires the redemption of 5,000 points. There is no limit to the number of cash redemptions a Cardmember may make. Cash rewards checks will be sent via USPS 1st class mail to the address listed on the Cardmember's Advanta BusinessCard account within 2–4 weeks and are valid for 90 days. All cash rewards redemptions are final.

Airfare
All airline rules and restrictions apply. Free roundtrip coach airline tickets begin at 25,000 points for tickets valued at less than $400. Other free tickets are available. For airline travel rewards, which includes free tickets, a redemption fee of $15 per ticket will be charged to the Cardmember's Advanta BusinessCard account at the time of redemption. Visit www.advanta.com/rewards for details.

The following terms and conditions apply to all free roundtrip tickets and travel discounts. Once the reservations are made, all rewards are nonrefundable and non-transferable. A per ticket fee may apply if a reservation is changed or cancelled. Cardmembers are responsible for any fare increases or changes. All tickets are issued as electronic tickets unless e-tickets are not available. An additional fee per ticket may apply if an e-ticket can be issued but a paper ticket is requested. All paper tickets may require a 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 through a link provided to the Cardmember in a confirmation email. 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 Connexions Loyalty Travel Solutions (CLTS). Internet/web fares, charter fares and consolidator fares do not apply. Please note that airline schedules change frequently. Neither Advanta, the Program Administrator, nor CLTS is responsible for communication of airline schedule changes. Cardmembers should reconfirm flight reservations directly with the airline for domestic and international travel reservations 72 hours prior to departure. It is recommended that passengers check in with the airline a minimum of two hours prior to the scheduled departure time due to federal security requirements.

Airline passengers must present all travel documents at the airport on the day of travel along with a valid government issued photo ID for airport check-in. All international itineraries require a valid passport. Visa policies vary by country and should be obtained prior to departure. Additional ID may be required for travel outside the United States and is the Cardmember's responsibility.

Children under the age of 18 traveling internationally without one or both of their natural parents must carry a notarized letter of permission from the absent parent or parents. Parents should contact a local notary public for details. Upgrades are not permitted on certain itineraries. Please check with the carrier directly. Turboprop aircraft may exist on Cardmember's itinerary. Airlines reserve the right to change aircraft equipment without notice to the booking travel agency or the consumer. Please review the itinerary, as code-share flights may exist. If a code-share flight exists in the itinerary, passengers must check in with the operating airline on day of departure. Airline policies are subject to change at any time. Additional rules and restrictions may apply.

Vacation Packages
The following terms and conditions apply to vacation packages. Vacation packages are for two people traveling together and sharing one room, unless otherwise indicated. Vacation packages are subject to limited availability and peak travel period or holiday blackout dates may apply. Reservations must be made a minimum of 21 days in advance of departure. Air-inclusive packages require a Saturday night stay. Airline tickets are non-refundable unless permitted by the terms of the fare used. Air carrier selected is at the discretion of the travel consultant. Cancellation and change fees may apply and all packages are subject to change/cancel penalties by CLTS. Participating hotels may change without notice. Hotel vouchers may not be used to pay for food, beverage, parking, service charges, other taxes, or any incidental expenses. Rental cars exclude fuel, taxes, insurance coverage, surcharges, license and concession recoupment fees, airport fees, and any other optional items. Renter must meet standard rental car driver, age, and credit requirements. Sightseeing tours and features are subject to change, substitution features of equal value may be made if necessary. Tours may include some element of risk. We assume no liability for injuries and no responsibility for delays caused by accidents, breakdown, or other conditions beyond control. Not responsible for loss or damage to property. No credit will be issued for unused days or inclusions. It is the Cardmember's responsibility to obtain visas, passports, and other documentation including vaccinations for infectious diseases. Travel dates are subject to individual provider's schedules and are subject to change without notice. Other restrictions may apply. All returns and exchanges must be handled directly with CLTS. Advanta Customer Service can be consulted when special circumstances arise.

Cruises
The following terms and conditions apply to cruises. Rates are cruise-only, per person, based on double occupancy, valid on select sailings, subject to availability at time of booking. Some holiday blackout dates and other restrictions may apply. Rates/cabins/offers are capacity controlled, and may change or expire at any time without notice. Rates include Port Taxes; government taxes and fees are additional. Not included in these rates: Airfare; transfers; gratuities; shore excursions; medical services; beverages; certain specialty restaurants; gift shop purchases; casino gaming; salon/spa services; laundry; photographs; email or internet; and other items of a personal nature. A per person, per day fuel supplement applies. Cruises are non-refundable and subject to change fees once the reservation has been confirmed. Any changes or cancellations will be assessed a change fee plus any fees or penalties imposed by the Cruise Line. It is the Cardmember's responsibility to obtain visas, passports, and other documentation including vaccinations for infectious diseases. No credit will be issued for unused days or inclusions. Travel dates are subject to individual cruise lines' schedules and are subject to change without notice. All cruise packages are subject to the terms and condition of the Cruise Line. Other conditions may apply.

General Travel
The following terms and conditions apply to all travel rewards. Travel returns for point credits are not accepted. Awards cannot be redeemed for cash and have no cash value. Cardmember acknowledges the reward portion of the transaction will be paid for by the reward program's account. 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. Please carefully review itineraries for any errors or discrepancies. Award tickets cannot be exchanged for new flight days or times. Any fees incurred due to a reissue of an itinerary will be the responsibility of the Cardmember. Any fees or redemption associated charges will appear on Cardmember's monthly card statements. Lost, stolen or expired tickets cannot be replaced. Any airline tickets not redeemed by points are subject to all CLTS issuance fees and restrictions. Unused tickets contain no value if not cancelled prior to departure.

Neither Advanta, the Program Administrator, nor CLTS is 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. In the event that an airline ceases flying and tickets sold for future travel are not picked up and honored by other airlines, the tickets will not be refunded by Advanta, the Program Administrator or CLTS and there will be no Advanta reward point credits. 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. Actual products may vary from pictures and descriptions due to printing variations and/or manufacturers' updates.

Most merchandise is covered by a manufacturer's warranty. Retain the packing slip as proof of purchase. To get a free copy of a manufacturer's written warranty, contact Advanta Customer Service. For extended warranties or product-specific inquiries or repair, Cardmember may call the manufacturer directly.

Advanta Bonus MasterCard^® Prepaid Cards
Advanta Bonus Cards are not transferable and cannot be returned. Advanta Bonus Cards are good for purchases for one year from the date of issue and are limited to the balance of prepaid funds available in the Advanta Bonus Card account. There is no fee to activate the Advanta Bonus Card. Upon any purchase made using the Advanta Bonus Card, the available balance is reduced by the amount of such purchase. Advanta Bonus Cards are not reloadable. An ATM Withdrawal Fee of $2.00 per cash withdrawal applies. In addition, Cardmembers may be assessed a surcharge by the owner of the ATM which will be included as part of the withdrawal amount. The Cardmember is responsible for resolving all disputes concerning the quality of purchased goods or services with the merchant that accepts the Advanta Bonus Card. Advanta Bonus Cards can be ordered through www.advanta.com/rewards. This Card is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated. The Bancorp Bank; Member FDIC. The Bancorp Bank is not affiliated in any way with Advanta Bank Corp. and does not endorse or sponsor Advanta Business Rewards. The Advanta Bonus Card may be used anywhere MasterCard debit cards are accepted.

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.

Experiential Rewards
Experiential rewards are provided through Viator. Complete Operator information, including telephone numbers at local destination, are included on the Cardmember's Confirmation Voucher. Confirmation will be received within 48 hours of booking, subject to availability. Only the most experienced and reliable operators in each destination have been selected. See www.advanta.com/rewards for complete details. The Great American Days Gift Certificate is provided by Great American Days.  Information on Great American Days can be found at www.greatamericandays.com.

Shipping and Delivery
Merchandise, Advanta Bonus Cards, and Gift Certificate/Card redemptions include applicable sales tax and shipping/handling. Shipping of rewards 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: Advanta Bonus Cards and Gift Certificates/Cards, but not other rewards items, can be shipped to a PO Box.) Rewards items will ship from the Program Administrator's distribution center by express delivery or Parcel Post to the address designated by the Cardmember within two to five business days after the Cardmember places an order. Item descriptions indicate the amount of time the order is expected to take. If a manufacturer is shipping an award directly, allow two to six weeks for delivery. Specialty products such as furniture may require a longer lead-time. If a product is not immediately available, an estimated delivery date will be provided. Merchandise to Alaska and Hawaii is shipped via second day air. Program Administrator reserves the right to not ship large, heavy or bulky items to Alaska and Hawaii. Reasonable delivery times and guidelines apply at the discretion of the Program Administrator. Installation of major appliances is not included.

Shipping to an alternate address at the time of redemption is permitted. However, a destination telephone number at the time of placing the order is required.

For merchandise redemptions consisting of multiple items, partial orders ship as merchandise becomes available. Cardmembers must accept delivery as items become available. Cardmembers are 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. Cardmembers are notified if a suitable substitute is not available and at that time, may make another selection.

If the carrier charges for the delivery of merchandise, please contact Advanta Customer Service. Check order carefully before signing for the shipment. Confirm all merchandise is in good condition. Make note of the item quantities and condition on both the original delivery receipt and the copy. Validate the original bill of lading is correct. The Program Administrator cannot repair or replace items that are not listed on the original bill of lading. If major damage is evident, please refuse the damaged items only (do not return companion pieces) and contact Customer Service as soon as possible.

Returns
Items cannot be returned without contacting Advanta's Business Rewards Center first. All returns, including returns of damaged or defective merchandise, must be made within 30 days of receipt, or the return will not be accepted. Cardmember must retain all packaging materials and report damages to Advanta within 24 hours. To return a merchandise item, Cardmember must obtain a return authorization number and shipping information from the Rewards Center by calling Advanta Customer Service. When contacting the Rewards Center, please include the following information: name, address (including city, state and zip code), phone number, email address, item number, and order number.

Items returned without return authorization will be inspected, and the Cardmember will be notified if a re-stocking fee applies. When returning a product, please enclose all the original packing materials and insure the shipment. Return shipping/freight is responsibility of the Cardmember.

The item will be exchanged or Cardmember will receive a rewards account credit for the rewards value of the merchandise returned. To give the returned item the care and attention it requires, please allow up to two weeks for evaluation. On defective/ damaged returns requested later than 30 days from receipt, the Cardmember is responsible for contacting the manufacturer directly regarding returns/warranties. Cardmember must notify Advanta Customer Service immediately if any components of a shipment or product are missing.

General
Business Rewards Program membership is 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 is no longer able to redeem points and any accrued unredeemed points are 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, charges and 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 manufactured and/or provided by independent 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. Neither Advanta nor the Program Administrator makes any guarantee, warranties or representations of any kind, expressed or implied, with respect to such awards. Advanta and the Program Administrator specifically make no expressed or implied warranties of merchantability, fitness for a particular purpose or otherwise. Advanta and the Program Administrator reserve the right to reject an order if the currency is incorrect. Because of cost variations, Advanta and the Program Administrator reserve the right to increase or decrease, without notice, the currency for individual products.

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.