EXHIBIT 10.1
 EXECUTION
COPY
 Portions of this exhibit were omitted and filed separately with the Secretary of the Commission
pursuant to an application for confidential treatment filed with the Commission pursuant to Rule
24b-2 under the Securities Exchange Act of 1934. Such portions are marked by a series of
asterisks.
 Master Services Agreement
 by and between
 ADVANTA BANK CORP.
 and
 GENPACT INTERNATONAL LLC, HUNGARIAN BRANCH
 Dated March 15, 2007




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##### 



TABLE
OF CONTENTS
 ARTICLE/SECTION
    
    PAGE1. DEFINITIONS AND CONSTRUCTION
    
    
    11.1 Certain Definitions
    
    
    11.2 Construction
    
    
    11.3 References to Attachments and Statements of Work
    
    
    22. TERM
    
    
    22.1 Term
    
    
    22.2 Statement of Work Term
    
    
    22.3 Pilot SOW
    
    
    23. STATEMENTS OF WORK AND SERVICES
    
    
    33.1 Statements of Work
    
    
    33.2 Services
    
    
    33.3 Provision of Technology
    
    
    43.4 Knowledge Sharing
    
    
    53.5 Information Technology Architecture-No Shared Environment
    
    
    53.6 Allocation of Resources
    
    
    53.7 Policy and Procedures Manuals
    
    
    53.8 Quality Assurance
    
    
    64. SUPPLEMENTAL SERVICES AND CHANGES IN SCOPE
    
    
    74.1 Supplemental Services
    
    
    74.2 Increases or Reductions in Scope
    
    
    75. SERVICE LEVELS AND PERFORMANCE STANDARDS
    
    
    85.1 Generally
    
    
    85.2 Measurement and Monitoring Tools
    
    
    95.3 Continuous Improvement; Periodic Reviews and Guaranteed Productivity
Improvements
    
    
    95.4 Failure to Perform
    
    
    106. TRANSITION
    
    
    117. MANAGEMENT AND GOVERNANCE
    
    
    117.1 Operating Committee
    
    
    117.2 Steering Committee
    
    
    12
 -ii-




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##### 



TABLE
OF CONTENTS
 ARTICLE/SECTION
    
    PAGE7.3 Program Specific Managers and Contact Persons
    
    
    128. SUPPLIER OFFICE SPACE AND FACILITIES
    
    
    138.1 Office Space
    
    
    138.2 Supplier Facilities
    
    
    138.3 Advanta Facilities
    
    
    148.4 Safety and Security
    
    
    149. EQUIPMENT AND SOFTWARE
    
    
    149.1 Dedicated Network Equipment and Software
    
    
    149.2 Supplier-Provided Equipment
    
    
    159.3 Software Currency
    
    
    1510. REQUIRED CONSENTS
    
    
    1611. REPORTS AND FORECASTING
    
    
    1611.1 Reports
    
    
    1611.2 Financial, Forecasting, and Budgeting Support
    
    
    1712. FEES, CHARGES, AND EXPENSES
    
    
    1712.1 Fees, Costs and Expenses
    
    
    1712.2 Invoicing
    
    
    1712.3 Payment
    
    
    1812.4 Credits, Refundable Items, Reimbursable Items, and Set-Off
    
    
    1812.5 Recurring Costs
    
    
    1812.6 Pass-Through and Incidental Expenses
    
    
    1812.7 Disputed Payments
    
    
    1912.8 Accountability
    
    
    1912.9 Cost Reductions
    
    
    2013. TAXES
    
    
    2013.1 Personal Property; Franchise; Income
    
    
    2013.2 Sales and Use
    
    
    2013.3 Cooperation
    
    
    2113.4 Claim Settlement
    
    
    2113.5 Withholding Taxes
    
    
    21
 -iii-




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##### 



TABLE
OF CONTENTS
 ARTICLE/SECTION
    
    PAGE14. [Intentionally Deleted]
    
    
    2115. BENCHMARKING
    
    
    2115.1 Benchmarked Services
    
    
    2115.2 Procedure
    
    
    2115.3 Representative Sample; Benchmark Analysis
    
    
    2215.4 Benchmarking Results
    
    
    2216. SUPPLIER CHANGE CONTROL
    
    
    2216.1 General Requirements
    
    
    2216.2 Change Control Procedures
    
    
    2316.3 System Changes
    
    
    2416.4 Information Technology Standards
    
    
    2517. SUPPLIER AGENTS
    
    
    2517.1 Supplier Personnel
    
    
    2517.2 Key Supplier Positions
    
    
    2617.3 Supplier Subcontractors
    
    
    2717.4 Conduct of Supplier Agents
    
    
    2717.5 Responsibility/Actions of Supplier Agents
    
    
    2818. MUTUAL NON-SOLICITATION
    
    
    2819. INTELLECTUAL PROPERTY
    
    
    2819.1 Deliverables
    
    
    2819.2 Advanta-Provided Software
    
    
    3119.3 Third Party Software
    
    
    3119.4 Inventions
    
    
    3219.5 Changes and Upgrades to Software
    
    
    3219.6 Export
    
    
    3219.7 Ownership
    
    
    3319.8 Residual Knowledge
    
    
    3320. CONFIDENTIALITY
    
    
    3320.1 Confidential Information
    
    
    3320.2 Exclusions
    
    
    34
 -iv-




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##### 



TABLE OF CONTENTS
 ARTICLE/SECTION
    
    PAGE20.3 Obligations
    
    
    3420.4 Disclosure or Loss of Confidential Information
    
    
    3520.5 No Implied Rights
    
    
    3620.6 Injunctive Relief
    
    
    3620.7 Survival
    
    
    3621. CUSTOMER DATA; DATA SECURITY
    
    
    3621.1 Customer Data
    
    
    3621.2 Data Security
    
    
    3721.3 Data Security Procedures
    
    
    3821.4 Security Reviews
    
    
    3822. DISASTER RECOVERY/BUSINESS CONTINUITY
    
    
    3922.1 Generally
    
    
    3922.2 Updates and Testing
    
    
    3922.3 Implementation
    
    
    3923. RECORD RETENTION AND AUDIT
    
    
    3923.1 SAS 70 Audits
    
    
    3923.2 Record Retention
    
    
    4023.3 Operational Audits
    
    
    4023.4 Financial Audits
    
    
    4123.5 Facilities
    
    
    4123.6 Audit Follow-up
    
    
    4123.7 General Principles Regarding Audits
    
    
    4123.8 Regulatory Examination
    
    
    4124. COMPLIANCE WITH LAWS; CHANGES IN LAW
    
    
    4224.1 General
    
    
    4224.2 Regulatory Compliance
    
    
    4324.3 Notice
    
    
    4324.4 Permits
    
    
    4324.5 Performance
    
    
    4424.6 Termination
    
    
    44
 -v-




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##### 



TABLE
OF CONTENTS
 ARTICLE/SECTION
    
    PAGE25. REPRESENTATIONS, WARRANTIES AND COVENANTS
    
    
    4425.1 By Supplier
    
    
    4425.1.A By Advanta
    
    
    4725.2 Mutual Representations and Warranties
    
    
    4826. TERMINATION AND TERMINATION/EXPIRATION ASSISTANCE
    
    
    4826.1 Termination for Cause by Advanta
    
    
    4826.2 Regulatory Termination
    
    
    4826.3 Supplier Right to Terminate
    
    
    4926.4 Advanta Termination for Convenience; Termination During Pilot;
Termination of SOW(s)
    
    
    4926.5 Termination for Change in Control
    
    
    4926.6 Termination for Bankruptcy or Material Adverse Change
    
    
    5026.7 Termination for Repeated Failure to Meet Service Levels
    
    
    5026.8 Termination for Force Majeure Event
    
    
    5126.9 Adjustment
    
    
    5126.10 Termination/Expiration Assistance
    
    
    5126.11 Post-Termination Obligations
    
    
    5226.12 Early Termination Fee
    
    
    5327. INDEMNIFICATION
    
    
    5427.1 Indemnity
    
    
    5427.2 Infringement
    
    
    5427.3 Indemnification Procedures
    
    
    5527A. LIMITATION OF LIABILITY
    
    
    5627A.1 Direct Damages
    
    
    5628. DISPUTE RESOLUTION
    
    
    5728.1 Informal Proceedings
    
    
    5728.2 Arbitration
    
    
    5728.3 Equitable Relief
    
    
    5828.4 Jurisdiction
    
    
    5828.5 Governing Law
    
    
    58
 -vi-




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TABLE
OF CONTENTS
 ARTICLE/SECTION
    
    PAGE28.6 Certain Written and Oral Statements
    
    
    5928.7 Continuity of Services
    
    
    5929. INSURANCE
    
    
    5929.1 Coverage
    
    
    5929.2 Insurance Terms
    
    
    6030. MISCELLANEOUS
    
    
    6130.1 Assignment
    
    
    6130.2 Labor Harmony Obligation
    
    
    6130.3 Notices
    
    
    6130.4 Counterparts
    
    
    6230.5 Force Majeure
    
    
    6230.6 Relationship of the Parties
    
    
    6330.7 Severability
    
    
    6330.8 Cumulative Remedies; Waiver
    
    
    6330.9 Consents and Approval
    
    
    6330.10 No Publicity
    
    
    6330.11 Entire Agreement
    
    
    6430.12 Amendments
    
    
    6430.13 Headings
    
    
    6430.14 Order of Precedence
    
    
    6430.15 Survival
    
    
    6430.16 Covenant of Further Assurances
    
    
    6430.17 Covenant to Provide Certain Supplier Information
    
    
    6530.18 Negotiated Terms
    
    
    6530.19 Covenant Against Pledging
    
    
    6530.20 Third Party Beneficiaries
    
    
    6530.21 Covenant of Good Faith
    
    
    6530.22 Condition Precedent to Agreement Effectiveness; Guaranty of Genpact
Global Holdings SICAR S.a.r.l
    
    
    65
 -vii-




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##### 



TABLE
OF CONTENTS
 Attachments to the Master Services Agreement
 Attachment 1
    
    DefinitionsAttachment 2
    
    Sample Statement of Work (SOW)Attachment 3
    
    Information Technology ArchitectureAttachment 4
    
    Service Levels Standards and ******Attachment 5
    
    Transition Services and FeesAttachment 6
    
    Supplier Purchased Dedicated Equipment and SoftwareAttachment 7
    
    Advanta-Provided Third Party SoftwareAttachment 8
    
    Fee ScheduleAttachment 9
    
    Approved SubcontractorsAttachment 10
    
    Form of Subcontractor Direct AgreementAttachment 11
    
    Advanta Data Security StandardsAttachment 12
    
    Capital Costs for Calculation of Early Termination FeeAttachment 13
    
    AffiliatesAttachment 14
    
    Form of Employee Innovation and Proprietary Information AgreementAttachment 15
    
    Form of Parent Guaranty
 -viii-




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##### 



MASTER SERVICES AGREEMENT
 Agreement Effective Date Advanta Supplier Party Parties
 WHEREAS,
 WHEREAS
 WHEREAS,
 WHEREAS
 NOW, THEREFORE
 1. DEFINITIONS AND CONSTRUCTION.
 1.1 Certain Definitions.
 1.2 Construction.
 1




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##### 



1.3 References to Attachments and Statements of Work.
 2. TERM.
 2.1 Term. Initial Term Renewal Term
 2.2 Statement of Work Term. SOW
Initial Term SOW Renewal Term, SOW Term
 2.3 Pilot SOW.
 2




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##### 



3. STATEMENTS OF WORK AND SERVICES.
 3.1 Statements of Work.
 a. Generally. e.g.,
 b. Pilots Pilot Pilot Period)
 i.
 ii.
 iii. e.g.,
 iv. i.e., i.e.,
 v.
 3.2 Services.
 a. Generally.
 3




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##### 



(General Industry Standards)
 b. Performance of Services by Advanta, Advanta Affiliates, or Third Parties; Supplier
Cooperation.
 c. No Future Obligations; No Exclusivity.
 3.3 Provision of Technology.
 a. Improved Technology. Advanta
General Program Manager
 4




---



##### 



b. New Supplier Technology.
 3.4 Knowledge Sharing.
 3.5 Information Technology Architecture-No Shared Environment.
 3.6 Allocation of Resources.
 3.7 Policy and Procedures Manuals.
 a.
 5




---



##### 



b. Policy and
Procedures Manual
 c.
 d.
 3.8 Quality Assurance.
 6




---



##### 



4. SUPPLEMENTAL SERVICES AND CHANGES IN SCOPE.
 4.1 Supplemental Services.
 a. Generally.
 b. Requests and Proposals for Supplemental Services.
 c. Advanta Acceptance Required.
 7




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##### 



4.2 Increases or Reductions in Scope.
 a. Change-in-Scope Proposal
 b.
 c.
 d.
 5. SERVICE LEVELS AND PERFORMANCE STANDARDS.
 5.1 Generally.
 8




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##### 



Service Levels
 5.2 Measurement and Monitoring Tools.
 5.3 Continuous Improvement; Periodic Reviews and Guaranteed Productivity Improvements.
 a.
 b.
 9




---



##### 



c. (Guaranteed Productivity Improvements)
 i. Improvement Proposal
 ii.
 iii.
 10




---



##### 



5.4 Failure to Perform.
 a. .
 b. Service Level Failure.
 6. TRANSITION.
 Transition Services
 7. MANAGEMENT AND GOVERNANCE.
 11




---



##### 



7.1 Operating Committee. Operating Committee
 7.2 Steering Committee Steering Committee
 7.3 Program Specific Managers and Contact Persons
 12




---



##### 



a. General Program Manager General Program Manager Supplier General Program Manager
 b. Additional Persons.
 8. SUPPLIER OFFICE SPACE AND FACILITIES.
 8.1 Office Space.
 8.2 Supplier Facilities.
 a.
 b.
 13




---



##### 



c.
 d.
 e.
 f.
 8.3 Advanta Facilities.
 8.4 Safety and Security.
 14




---



##### 



9. EQUIPMENT AND SOFTWARE.
 9.1 Dedicated Network Equipment and Software. Dedicated
Equipment and Software
 9.2 Supplier-Provided Equipment. Supplier-Provided, Supplier-Provided Equipment
 9.3 Software Currency
 a. Currency of Software.
 15




---



##### 



b. Release Testing.
 c. Other Terms.
 10. REQUIRED CONSENTS.
  11. REPORTS AND FORECASTING.
 11.1 Reports.
 16




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##### 



i.e., Monthly Performance Report
 11.2 Financial, Forecasting, and Budgeting Support.
 12. FEES, CHARGES, AND EXPENSES.
 12.1 Fees, Costs and Expenses. Fees
 17




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##### 



12.2 Invoicing. th
 12.3 Payment.
 12.4 Credits, Refundable Items, Reimbursable Items, and Set-Off
 a. Credits.
 b. Reimbursable Items.
 c. Set-Off.
 12.5 Recurring Costs.
 12.6 Pass-Through and Incidental Expenses
 18




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##### 



a. Pass-Through Expenses. Pass-Through Expenses
 i.
 ii.
 b. Minimization of Pass-Through Expenses. e.g.,
 c. Incidental Expenses.
 12.7 Disputed Payments.
 19




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##### 



i.e.,
 12.8 Accountability.
 12.9 Cost Reductions.
 13. TAXES.
  13.1 Personal Property; Franchise; Income.
 20




---



##### 



13.2 Sales and Use.
 13.3 Cooperation.
 13.4 Claim Settlement.
 13.5 Withholding Taxes. e.g., .
 21




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##### 



14. [INTENTIONALLY DELETED].
 15. BENCHMARKING.
 15.1 Benchmarked Services. Benchmarked Services Benchmark Analysis Benchmarker
 15.2 Procedure.
 15.3 Representative Sample; Benchmark Analysis. Representative Sample
 15.4 Benchmarking Results.
 22




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##### 



16. SUPPLIER CHANGE CONTROL.
 16.1 General Requirements.
 a.
 b.
 c.
 23




---



##### 



i.e.,
 16.2 Change Control Procedures.
 a. Change Control
Procedures)
 b. Change Order Proposal
 c. Change
Assessment
 24




---



##### 



d. Change Order
 16.3 System Changes. System Change
 16.4 Information Technology Standards.
 17. SUPPLIER AGENTS.
 17.1 Supplier Personnel
 a. Qualifications and Training.
 25




---



##### 



b. Turnover. Turnover Rate
 c. Replacement.
 d. Procedures.
 17.2 Key Supplier Positions
 26




---



##### 



a. Generally.
 b. Assignments to Key Supplier Positions.
 27




---



##### 



17.3 Supplier Subcontractors
 a. Approval. Approved
Subcontractor Supplier Subcontractor
 b. Subcontractor Agreements.
 c. Replacement.
 17.4 Conduct of Supplier Agents
 a.
 b.
 28




---



##### 



17.5 Responsibility/Actions of Supplier Agents.
 18. MUTUAL NON-SOLICITATION.
  19. INTELLECTUAL PROPERTY.
 19.1 Deliverables
 a. Work Made for Hire; Assignment to Advanta.
 29




---



##### 



b. Exclusive License to Advanta.
 c. Limited License to Supplier.
 30




---



##### 



d. Periodic Delivery of Source Code and Documentation.
 e. Embedded Software.
 i. Generally. Embedded Software
 31




---



##### 



ii. Periodic Delivery of Source Code and Documentation.
 19.2 Advanta-Provided Software
 a. License to Supplier.
 b. Compliance with Licenses.
 19.3 Third Party Software. e.g.,
 32




---



##### 



e.g.,
 19.4 Inventions
 19.5 Changes and Upgrades to Software.
 33




---



##### 



19.6 Export.
 19.7 Ownership. Advanta
Materials
  19.8 Residual Knowledge.
 20. CONFIDENTIALITY.
 20.1 Confidential Information. Confidential Information
 34




---



##### 



20.2 Exclusions.
 35




---



##### 



20.3 Obligations
 a.
 b.
 c.
 36




---



##### 



d.
 20.4 Disclosure or Loss of Confidential Information.
 20.5 No Implied Rights.
 20.6 Injunctive Relief.
 20.7 Survival.
 21. CUSTOMER DATA; DATA SECURITY.
 21.1 Customer Data.
 a. GLBA Compliance
 37




---



##### 



b. Non-Disclosure of Customer Data
 c. Access to Customer Data.
 d. Regeneration of Lost or Damaged Customer Data
 38




---



##### 



21.2 Data Security.
 21.3 Data Security Procedures
 39




---



##### 



21.4 Security Reviews Security Audit
 22. DISASTER RECOVERY/BUSINESS CONTINUITY.
 22.1 Generally. Disaster Recovery Plan
 40




---



##### 



22.2 Updates and Testing.
 22.3 Implementation.
 23. RECORD RETENTION AND AUDIT.
 23.1 SAS 70 Audits.
 23.2 Record Retention. Records
 23.3 Operational Audits.
 41




---



##### 



e.g. e.g.,
 23.4 Financial Audits.
 23.5 Facilities.
 42




---



##### 



23.6 Audit Follow-up.
 23.7 General Principles Regarding Audits.
 23.8 Regulatory Examination
 24. COMPLIANCE WITH LAWS; CHANGES IN LAW.
 24.1 General.
 a. Compliance by Advanta
 43




---



##### 



Advanta Laws
 b. Compliance by Supplier Supplier Laws
 c. Notice of Laws
 i.
 ii.
 iii.
 iv.
 d. Interpretation of Laws or Changes in Laws.
 i.
 ii.
 e.
 44




---



##### 



24.2 Regulatory Compliance.
 24.3 Notice.
 24.4 Permits.
 24.5 Performance.
 24.6 Termination.
 25. REPRESENTATIONS, WARRANTIES AND COVENANTS.
 25.1 By Supplier.
 45




---



##### 



a.
 b.
 c.
 d.
 e.
 f.
 46




---



##### 



g.
 h.
 i.
 j.
 k.
 l.
 47




---



##### 



m.
 n.
 o.
 p.
 q.
 r.
 s.
 48




---



##### 



t.
 u.
 v.
 w.
 25.1.A By Advanta.
 a.
 b.
 c.
 d.
 25.2 Mutual Representations and Warranties
 a. Authorization.
 49




---



##### 



b. No Violation.
 26. TERMINATION AND TERMINATION/EXPIRATION ASSISTANCE.
 26.1 Termination for Cause by Advanta
 26.2 Regulatory Termination.
 26.3 Supplier Right to Terminate.
 50




---



##### 



26.4 Advanta Termination for Convenience; Termination During Pilot; Termination of SOW(s)
 a.
 b.
 c.
 26.5 Termination for Change in Control.
 26.6 Termination for Bankruptcy or Material Adverse Change.
 51




---



##### 



26.7 Termination for Repeated Failure to Meet Service Levels.
 a.
 i.
 ii.
 b. At Risk Fees
 c.
 26.8 Termination for Force Majeure Event.
 26.9 Adjustment.
 52




---



##### 



26.10 Termination/Expiration Assistance
 a. Generally. Termination/Expiration Assistance
 b. Charges
 c. Termination/Expiration Assistance Services.
 i. Turnover Plan
 53




---



##### 



ii.
 iii.
 iv.
 v.
 26.11 Post-Termination Obligations.
 a.
 b.
 26.12 Early Termination Fee.
 54




---



##### 



a.
 i. FTEs
 ii.
 iii.
 b.
 27. INDEMNIFICATION.
 27.1 Indemnity.
 a. By Supplier.
 b. By Advanta.
 55




---



##### 



27.2 Infringement. Supplier Indemnified Materials
 27.3 Indemnification Procedures.
 a. Notice. Indemnified Party Indemnifying Party Notice
of Election
 56




---



##### 



b.
 c. Procedure Where No Notice of Election Is Delivered
 57




---



##### 



27A. LIMITATION OF LIABILITY
 27A.1 Direct Damages.
 a. ****** ****** ****** ******
 b.
 c.
  28. DISPUTE RESOLUTION.
 Dispute
 28.1 Informal Proceedings.
 a. Program Managers.
 58




---



##### 



b. Steering Committee.
 c. Formal Proceedings.
 d. Exclusions.
 28.2 Arbitration
 a. Rules ICC Disputing Party ICC Rules
 b.
 59




---



##### 



28.3 Equitable Relief.
 28.4 Jurisdiction.
 28.5 Governing Law.
 28.6 Certain Written and Oral Statements.
 28.7 Continuity of Services.
 29. INSURANCE.
 29.1 Coverage.
 60




---



##### 



a.
 b.
 c.
 d.
 e.
 f.
 g.
 h.
 29.2 Insurance Terms
 a.
 61




---



##### 



b.
 c.
 d.
 30. MISCELLANEOUS.
 30.1 Assignment.
 30.2 Labor Harmony Obligation.
 62




---



##### 



30.3 Notices. Notices
 If to Advanta:
 
  
 If to Supplier:
 
  
 63




---



##### 



30.4 Counterparts.
 30.5 Force Majeure
 a. Force Majeure Event
 b.
 30.6 Relationship of the Parties.
 64




---



##### 



30.7 Severability.
 30.8 Cumulative Remedies; Waiver.
 30.9 Consents and Approval.
 30.10 No Publicity.
 30.11 Entire Agreement.
 30.12 Amendments.
 30.13 Headings.
 30.14 Order of Precedence.
 65




---



##### 



30.15 Survival.
 30.16 Covenant of Further Assurances.
 30.17 Covenant to Provide Certain Supplier Information.
 66




---



##### 



30.18 Negotiated Terms.
 30.19 Covenant Against Pledging.
 30.20 Third Party Beneficiaries.
 30.21 Covenant of Good Faith.
 30.22 Condition Precedent to Agreement Effectiveness; Guaranty of Genpact Global Holdings
SICAR S.a.r.l. (société dinvestissement en capital à risque sous forme de
société à responsabilité limitée) Parent
 [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]
 67




---



##### 



Advanta Bank Corp.
    
    
    
    Genpact International, LLC, Hungarian BranchBy:
    
    /s/ Mukesh Mehta
    
    
    
    By:
    
    /s/ Raghuram RajuName:
    
    Mukesh Mehta
    
    
    
    Name:
    
    Raghuram RajuTitle:
    
    Senior Vice President
    
    
    
    Title:
    
    Senior Vice President
 68




---



##### 



Attachment 1
 Definitions
 Account account
 Advanta Authorized Representative
 Advanta Data Security Standards
 Advanta Facilities Advanta Facilities
 Advanta General Program Manager
 Advanta Laws
 Advanta Materials
 Advanta-Provided Equipment
 Advanta-Provided Software Advanta-Provided Software.
 Advanta-Provided Third Party Software Advanta-Provided Third Party
Software
 Advanta Regulatory Requirements
 Affiliates
 Agreement
 Approved Subcontractor
 69




---



##### 



Asset Backed Securities
 At Risk Fees
 Authorized Representatives
 Basic Services
 Benchmark Analysis
 Benchmarked Services
 Benchmarker
 Bug Fix
 Card Association
 Card Association Rules
 Change Assessment
 Change Control Procedures
 Change-in-Scope Proposal
 Change Order s
 Change Order Proposal
 Code
 Confidential Information
 70




---



##### 



Control
 Core Software
 CPI Consumer Price Index
 Customer Data
 Dedicated Equipment and Software
 Deliverables
 Disabling Code
 Disaster Recovery Plan
 Dispute
 Disputing Party
 Documentation
 Early Termination Fee
  
 71




---



##### 



Effective Date
 EIPI Agreement
 Embedded Software
 Equipment
 Facilities
 FDIC
 Fees
 Force Majeure Event
 FTE
 GAAP
 General Industry Standards
 General Program Manager
 GLBA
 Governmental Authority
 Guaranteed Productivity Improvement
 ICC
 ICC Rules
 Improved Technology
 72




---



##### 



Indemnified Party
 Indemnifying Party
 Information Technology
 Initial Term
 Inventions
 Key Service Levels
 Key Supplier Positions Key Supplier Positions
 Launch Date
 Laws
 Losses
 Major Release
 73




---



##### 



Material Adverse Effect
 Minor Release
 Memorandum of Services
 Monthly Performance Report
 Nonpublic Personal Information
 Notice
 Notice of Election
 Object Code
 Open Source Software
 Operating Committee
 Parent
 Parent Guaranty
 Pass-Through Expenses
 Patents
 Payment Card Industry Data Security Standards
 74




---



##### 



Payment Card Industry Standards
 Pilot
 Pilot Period
 Pilot SOW
 Policy and Procedures Manual
 Records
 Regulatory Requirements
 Renewal Term
 Representative Sample
 Required Consents
 Retained Agreements Retained
 Rules
 Sarbanes-Oxley Requirements
 Security Audit
  
 75




---



##### 



Service Levels
 Service Recipients
 Services
 Software
 Source Code
 SOW Effective Date
 SOW Expiration Date
 SOW Initial Term
 SOW Renewal Term
 SOW or Statement of Work e.g.,
 SOW Term
 76




---



##### 



Steering Committee
 Stranded Costs
 Subcontractor Direct Agreement
 Supplemental Services
 Supplier Agents
 Supplier Authorized Representative
 Supplier Facilities Supplier Facilities
 Supplier Laws
 Supplier General Program Manager
 Supplier Indemnified Materials
 Supplier-Provided Equipment
 Supplier-Provided Materials
 77




---



##### 



Supplier-Provided Materials
 Supplier-Provided Software Supplier-Provided Software.
 Supplier Regulatory Requirements
 Supplier Subcontractor
 System Change
 Systems
 Term
 Termination/Expiration Assistance
 Termination/Expiration Assistance Period
 Third Party Agreements
 Third Party Software e.g.,
 Transition Fees
 Transition Services
 Turnover Plan
 Turnover Rate
 Upgrade
 U.S.
 78




---



##### 



Virus
 79




---



##### 



Attachment 2  Sample SOW
 1




---



##### 



ADVANTA BANK CORP.
 
 Statement of Work  #




---



##### 



Table of Contents
 A. OverviewB. SOW KEY TermsC. Scope of ServicesKey SUPPLIER POSITIONSHiring and Recruiting RequirementsBackground ChecksPolicy & Procedure ManualForecastingTraining RequirementsTesting RequirementsQuality AssuranceReportingInvoicing RequirementsD. sow specific representations and warrantiesE.
Change ManagementF. Escalation PlanG. Service Levels  KEY PERFORMANCE METRICSH. Disaster RecoveryI. ComplianceJ. Security RequirementsK. APPROVED SubcontractorsL. ADDITIONAL REQUIRED CONSENTS
 Exhibits
 Exhibit A  Job Descriptions  Exhibit B  Genpact Participants Training Guide  Exhibit C  Training Overview  Exhibit D  Policy & Procedure Manual  Exhibit E  Advanta Quality Form  Exhibit F  Quality Definitions  Exhibit G  Change Management Form  Exhibit H 
Escalation Procedures  Exhibit I  Escalation Contact List  Exhibit J  Pilot Step-Up Targets (if applicable)  Exhibit K  Service Level Agreement  Exhibit L  Service Level Reconciliation Report  Exhibit M 
Midterm Assessment  Exhibit N  Final Assessment  Exhibit O  IT Architecture Design Document  Exhibit P  Additional Security Standards  Exhibit Q  SOW SPECIFIC Pricing Schedule  Exhibit R  User
Acceptance Test Plan




---



##### 



Document Change History
 Date of
    
    DocumentChange
    
    Version
    
    
    Page
    
    
    Description of Change




---



##### 



Statement of Work for
 A. OVERVIEW
  B. SOW Key Terms
 1.
    
    The Initial Term of this SOW shall be days, commencing on (SOW
Commencement Date)and ending on , unless the SOW is extended as set forth below
or terminated earlier in accordance with the Agreement.
 2.
    
    The Launch Date for the Services under this SOW shall be:.
 3..
    
    Genpact Service Location: Genpacts Hyderabad site in India, located at Cyber Gateway,
Corporate Park, HITEC City, Madhapur, Hyderabad.
 4..
    
    Additional Termination Provisions and Termination Fees:5.
    
    Hours of Operation (also referred to as Service Window):6.
    
    SOW Specific Pricing and Fees:7.
    
    SOW Specific Transition Services & Fees:
 C. Scope of Services
    Page 4




---



##### 



Key Supplier Positions
  LOCATION#
    
    POSITION
    
    POSITION HOLDER
    
    (Onsite/Offsite)1
    
    ******
    
    VP Operations
    
    Hyderabad23
 Hiring and Recruiting Requirements
  Background Checks
   Policy and Procedure Manual
   Page 5




---



##### 



Forecasting
  Technology Set-Up
  Training Requirements
 Genpact Participants Guide attached as
Exhibit B Exhibit C Training Overview, attached hereto.
  Testing Requirements
 User Acceptance Testing
   Page 6




---



##### 



Quality Assurance Requirements
  
 
 
 
  Reporting Requirements
    Invoicing Requirements
  Page 7




---



##### 



Advanta Bank. Corp
Welsh & McKean Roads
Springhouse, PA 19477
 D. SOW Specific Representations & Warranties:
 E. Change Management Procedures
  F. Escalation Plan
  G. Service Level Agreements and Key Performance Metrics
 th th th
 _weekly_c monthly
  Page 8




---



##### 



H. Disaster Recovery
 I. Compliance
  
    
    Equal Credit Opportunity Act/ ECOA and Regulation B
    
    Bank Secrecy Act/ BSA
    
    Office of Foreign Asset Control/ OFAC
    
    Community Reinvestment Act/ CRA
    
    Fair Debt Collections Act
  Page 9




---



##### 



J. SOW Specific Security Requirements
  K. Approved Subcontractors
 Name of Subcontractor
    
    Services Performed
 L. Additional Required Consents
  Page 10




---



##### 



Genpact International, LLC, acting
    
    Advanta Bank Corp.Through its Hungary branchBy:
    
    
    
    By:Name:
    
    
    
    Name:Title:
    
    
    
    Title:Date:
    
    
    
    Date:
  Page 11




---



##### 



Exhibit A
 Job Description
 Exhibit B
Genpact Participants Guide 2007
 Exhibit C    Training Agenda
 Exhibit D
Policies & Procedures Manual
 Exhibit E
Advanta Quality Form
 Exhibit F
QA Definitions
  Page 12




---



##### 



Exhibit G -Change Management Form
 
  Page 13




---



##### 



Exhibit H
Escalation Procedures List
 Exhibit I
Escalation Contact List
 Exhibit J
Pilot Step-Up Targets
 Exhibit K
Service Level Agreement
 Exhibit L
SLA Reconciliation Report
 Exhibit M
Advanta Mid-Term Training Assessment
 Exhibit N
Advanta Final Training Assessment
 Exhibit O
Advanta IT Architecture Design Document
 Exhibit P
Additional Security Standards
 Exhibit Q
SOW Specific Pricing Schedule
 Exhibit R
User Acceptance Test Plan
  Page 14




---



##### 



Attachment 3  Information Technology Architecture
  1




---



##### 



Attachment 4  Service Level Standards and ******
 A. General
  B. Service Level Definitions
       C.
  1.
    
    Each Service Level will specify an ****** payable as a ****** in the event
Supplier fails to meet the performance metric for that Service Level.
 2.
    
    Advanta will designate an ****** for each key Service Level category: E1 (designated at
******), and E2 (designated at ******). E3 Service Levels ******.
  4.
    
    Supplier shall pay Advanta by crediting on each monthly invoice, or as directed by Advanta
but not more than monthly, an amount equal to ****** payable by Advanta.
 5.
    
    Supplier may ****** from Advanta ****** for ****** paid to Advanta under an SOW if Supplier achieves the following: for any Service
Level that Supplier fails to meet ******, Supplier ******.
 Examples:
 1




---



##### 



2




---



##### 



Attachment 5
 Transition Services and Fees
 Transition Services:
     Transaction Fees
   1




---



##### 



Title/Level
    
    Rate per dayAgent
    
    $
    *
    *****Manager
    
    $
    *
    *****Senior Manager or AVP
    
    $
    *
    *****Vice President or above
    
    $
    *
    *****
  Title/Level
    
    Rate per hourApplication Developer
    
    $******(all inclusive except for airfare and one timevisa cost)
 2




---



##### 



Attachment 6  Supplier Purchased Dedicated Equipment and Software
  1




---



##### 



Attachment 7  Advanta  Provided Third Party Software
  1




---



##### 



Attachment 8  Fee Schedule
  1




---



##### 



Attachment 9  Approved Subcontractors




---



##### 



Attachment 10  Form of Subcontractor Direct Agreement




---



##### 



SUBCONTRACTOR DIRECT AGREEMENT
 [Genpact India] ,
 RECITALS:
 WHEREAS [Subcontracting Agreement] [ insert date ]
 WHEREAS
 WHEREAS
 WHEREAS
 NOW, THEREFORE,
 1. DEFINITIONS; TERM
 1.1 Definitions mutatis mutandis
 1.2 Application.
 1.3 Term and Termination.




---



##### 



2. SUBCONTRACTOR COVENANTS.
 2.1 INTELLECTUAL PROPERTY.
 (a) Subcontractor Assignment to Supplier.
 (b) Subcontractor Acknowledgement of Advanta Rights.
 (c) Enforcement of Advanta Rights.
 2.2 CONFIDENTIALITY.
 (a) Confidential Information. Confidential Information




---



##### 



(b) Exclusions.
 (c) Obligations
 (i)




---



##### 



(ii)
 (iii)
 (iv)
 (d) Disclosure or Loss of Confidential Information.
 (e) No Implied Rights.
 (f) Injunctive Relief.
 2.3 CUSTOMER DATA; DATA SECURITY.




---



##### 



Customer Data.
 (a) GLBA Compliance
 (b) Non-Disclosure of Customer Data
 (c) Access to Customer Data.




---



##### 



(d) Regeneration of Lost or Damaged Customer Data
 (e) Data Security.
 (f) Data Security Procedures




---



##### 



(g) Injunctive Relief.
 2.4 RECORD RETENTION.
 (a) Internal Controls.
 (b) Record Retention.
 (c) Regulatory Examination.




---



##### 



3. REPRESENTATIONS, WARRANTIES AND ADDITIONAL COVENANTS.
  a.
 b.
 c.
 d.




---



##### 



e.
 f.
 g.
 h.
 i.
 j.
 k.
 l.




---



##### 



m.
 n.
 o.
 p.
 q.




---



##### 



r.
 4. MISCELLANEOUS.
 4.1 Assignment.
 4.2 Equitable Relief.
 4.3 Jurisdiction.
 4.4 Governing Law.
 4.5 Notices.




---



##### 



Attn:with a copy to:Attn:
 4.6 Counterparts.
 4.7 Relationship of the Parties.
 4.8 Severability.
 4.9 Cumulative Remedies; Waiver.
 4.10 Entire Agreement.




---



##### 



4.11 Amendments.
 4.12 Survival.
 4.13 Covenant of Further Assurances.
 [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]




---



##### 



Advanta Bank Corp.
    
    Genpact IndiaBy:
    
    
    
    By:Name:
    
    
    
    Name:Title:
    
    
    
    Title:




---



##### 



Attachment 11  Advanta Data Security Standards




---



##### 



Attachment 12  Capital Costs for Calculation of Early Termination Fee




---



##### 



CONFIDENTIAL AND PRIVILEGED: ATTORNEY WORK PRODUCT AND ATTORNEY-CLIENT COMMUNICATION
 Attachment 12
 Stranded Capital Costs for Calculation of Early Termination Fee
 Core IT Infrastructure
    
    $
    *
    *****Software Development, T&L and Testing
    
    $
    *
    *****Software Infrastructure
    
    $
    *
    *****Software License
    
    $
    *
    *****Project Management
    
    $
    *
    *****Total
    
    $
    *
    *****




---



##### 



Attachment 13  Affiliates
 Advanta Affiliates:
 Advanta Corp.
 Supplier Affiliates:
 Genpact India
 Genpact Services LLC,




---



##### 



Attachment 14  Form of Employee Innovation and Proprietary Information Agreement




---



##### 



EMPLOYEE INNOVATION AND PROPRIETARY INFORMATION AGREEMENT
   a.
    
    to disclose and hereby assign to the Company for its exclusive ownership, on a royalty-free,
worldwide, perpetual basis all my rights, title and interest including Intellectual Property
Rights arising in any work developed or conceived by me solely or jointly with others, in any
medium or format now known or later developed during the period and in the course of my
employment (1) that are along the lines of the businesses, work or investigations of the
Company or its affiliates or its customers, to which my employment relates or as to which I
may receive or have access to information due to my employment, or (2) that result from, are
correlated to or are suggested by any work which I may do for the Company or its customers,
or (3) that are otherwise made through the use of Company time, facilities, tools, processes,
information or materials.
 Intellectual Property Rights
 b.
    
    I agree not to assert at any time, and otherwise waive and hereby assign to the Company (on
the above terms), any moral rights that I may have in copyrightable works developed by me
solely or jointly with others during the period and in the course of my employment with the
Company. I further waive all and any rights that I may have under the laws of publicity,
personality, privacy and defamation related to or in any aspect of the Intellectual Property.
I hereby confirm that non-exercise by the Company of any right assigned or waived hereunder,
for any period of time, shall not result in a lapse of the said assignment or waiver.
 c.
    
    to execute all necessary papers and otherwise provide proper
assistance (at the Companys expense) during and subsequent to my
employment, to enable the company to obtain for itself or its
affiliates and nominees, patents, copyrights, trade marks, domain
names or other legal protection or recognition for such Intellectual
Property in any and all countries.d.
    
    to make or maintain for the Company adequate and current written
records of all such Intellectual Property. Nothing in this Agreement
shall be construed as a license or right to use any Intellectual
Property or Confidential information given to me by the Company,
except for the express purpose of the employment.e.
    
    at the Companys request, or upon any termination of my employment to
deliver to the Company promptly all tangible or intangible items which
belong to the Company or which by their nature are for use of Company
employees only, including, without limitation, all written and other
materials including information which are of a
Confidential* nature relating to the business of the
Company or its affiliates or its customers.
 e.
    
    that all Confidential Information: (a) shall remain the property of Genpact or its customers;
(b) shall be treated as strictly confidential by me, (c) shall be used solely for purposes of
my employment, and for no other purpose; and (d) shall not be used, copied, published or
disclosed/made accessible to any party, without the Companys prior written consent. I
acknowledge expressly, that the confidentiality and secrecy obligations survive for an
unlimited period of time after the termination of my services/activity for the Company; and
 f.
    
    not to disclose or utilize in my work with the Company any proprietary or Confidential
Information of any third party (including of any prior employers or associates), any open




---



##### 



g.
    
    not to challenge at any time the title, ownership and rights of the Company to such
Intellectual Property or Confidential Information. I agree that if the Company does not
exercise any rights assigned to it for any period of time, it shall not amount to a lapse of
such rights.
   *
 (TYPE OR PRINT IN INK, USING FIRM PRESSURE)
 
 
 
 
 
 Witness (The Employees immediate
manager or other appropriate
representative of the Company)
    
    (Employees signatures to include Employees
first name in full)Position




---



##### 



The following are the only agreements to which I am a party, which may be in conflict with the
obligation undertaken above:
 (Employees signatures to include Employees first name in full)
 Note for the Employee




---



##### 



Attachment 15  Form of Parent Guaranty




---



##### 



GUARANTY
 (société dinvestissement en capital à risque sous forme de société à
responsabilité limitée)




---



##### 



Liability
of Guarantor.
 Consents.
 2.




---



##### 



Waivers.
 3.




---



##### 



. Subrogation.
 . Continuing Guaranty.
 . Payments .
 4.




---



##### 



. Representations; Covenants.
 Notices.
 
  
 5.




---



##### 



No Waiver.
 Costs and Expenses.
 Binding Effect; Entire Agreement; Amendments.
 Knowing and Explicit Waivers.
 Severability.
 6.




---



##### 



Law; Submission to Jurisdiction; Jury Trial Waiver
    Counterparts.
 7.




---



##### 



Genpact Global Holdings SICAR S.a.r.l.ByName:Title:Address:65, Boulevard, Grande Duchesse,
Charlotte, L-1331, LuxembourgAttn.:Fax: () -
 Acknowledged and Agreed:Advanta Bank Corp.ByName:Title:
 8.




---



##### 



FIRST AMENDMENT TO MASTER SERVICES AGREEMENT
  RECITALS
   AGREEMENT
        FTE Productive Hours




---



##### 



Auxiliary Time
  Replacement FTEs




---



##### 



(a)
    
    the acts or omissions of Advanta or any Advanta agent, including failure to
perform Advantas obligations specified in an SOW; and(b)
    
    a Force Majeure Event.




---



##### 



Advanta Bank Corp.By:
    
    /s/ Mukesh
Mehta     4/21/08Name:
    
    Mukesh MehtaTitle:
    
    Senior Vice PresidentGenpact International, Inc., Hungarian BranchBy:
    
    /s/ Mohit
ThukralName:
    
    Mohit
ThukralTitle:
    
    Senior Vice President




---



##### 



Information Technology Architecture




---



##### 



(ADVANTA LOGO)
    
    (GENPACT LOGO)
 IT & Voice Infrastructure
 Design Document
 (Advanta)
 Document Owner
    
    Version
    

Revision Date******
    
    1.0
    
    January 31, 2007******
    
    1.0a
    
    February 1, 20071.0b
    
    March 31, 2008
 NOTICE




---



##### 



Advanta(ADVANTA LOGO)
    
    Bank Corp.Welsh & McKean RoadsP.O. Box 844Spring House, PA 19477-0844
  Via Email and Courier




---



##### 



Advanta(ADVANTA LOGO)
    
    Bank Corp.Welsh & McKean RoadsP.O. Box 844Spring House, PA 19477-0844
  Via Email and Courier
       
 
 /s/
Mohit
Thukral