<PAGE>

                                                                      EXHIBIT 10

                          AT&T CUSTOM MASTER AGREEMENT
                           MA REFERENCE NO. 120497

CUSTOMER LEGAL NAME ("CUSTOMER", "YOU" OR "YOUR")  AT&T CORP. ("AT&T")
Advanta Shared Services Corp.                      AT&T Corp.

CUSTOMER ADDRESS                                   AT&T ADDRESS
Welsh and McKean Roads                             55 Corporate Drive
Springhouse                                        Bridgewater, New Jersey 08807
PA           19477

CUSTOMER CONTACT                                   AT&T CONTACT

Name: Lakshmi Venkataswamy                         Master Agreement Support Team
Title: Vice President                              Email: mast@att.com
Telephone: 215-444-5757
Fax:
Email: lvenkataswamy@advanta.com

This Agreement consists of the attached General Terms and Conditions and all
service attachments ("Attachments") attached hereto or subsequently signed by
the parties and that reference this Agreement (collectively, this "Agreement").
In the event of a conflict between the General Terms and Conditions and any
Attachment, the Attachment shall take precedence.

This Master Agreement consists of this Cover Page, the attached General Terms
and Conditions, including its addenda, and all Service Attachments
("Attachments"), including those Surviving MA Attachments that were part of
Master Agreement # 12640 as of the Effective Date of this Agreement as well as
new Attachments that are attached hereto or subsequently signed by the parties
and that reference this Agreement (collectively, this "Agreement") . All other
attachments are hereby terminated as of the effective date of this Agreement.
The Surviving MA Attachments shall be deemed to be Attachments to this
Agreement. References in the Surviving MA Attachments to this replacement MA
shall be construed as referring to this Agreement. In the event of conflict
between the General Terms and Conditions and any Attachment, the Attachment
shall take precedence.

This Agreement shall become effective and shall automatically supercede and
replace the MA 12640 when signed by both parties ("Effective Date") and shall
continue in effect for as long as any Attachment remains in effect, unless
earlier terminated in accordance with the provisions of the Agreement. The term
of each Attachment is stated in the Attachment.

As of the Effective Date of this Agreement, the Surviving MA Attachments are as
follows:

<TABLE>
<S>                                      <C>                                              <C>
1. AT&T Internet Transport Services -    2. AT&T Internet Transport Services-             3. AT&T Internet Transport
Service Order Attachment - Managed       Service Order Attachment - Managed               Services - Service Order
Internet Service- MDS000308160390, SOA   Internet Services - CSM020820140352, SOA         Attachment - Managed Internet
#1315                                    # MIS85876                                       Services - MDS0102005141830, SOA
                                                                                          #34191
</TABLE>

      SIGNATURE BELOW BY YOUR AUTHORIZED REPRESENTATIVE IS YOUR CONSENT TO
                   THE TERMS AND CONDITIONS OF THIS AGREEMENT

CUSTOMER: ADVANTA SHARED SERVICES CORP.          AT&T CORP.

By: /s/ Leonard Di Williams                         By: /s/ Frances M. Mikulic
    ----------------------------------                  ------------------------
    (Authorized Signature)                              (Authorized Signature)

LENNY DI WILLIAMS                                       District Manager
(Typed or Printed Name)                         (Typed or Printed Name)

CIO, SVP, Advanta Shared Services Corp.
---------------------------------------        -------------------------------
(Title)                                         (Title)

2/7/2003                                        2/10/2003
(Date)                                          (Date)

<PAGE>

                                                AT&T MA REFERENCE NO. __________

                          GENERAL TERMS AND CONDITIONS

The following terms and conditions shall apply to the provision and use of the
products and services ("Service" or "Services") provided by AT&T pursuant to
this Agreement.

1.0          DEFINITIONS

1.1      "Affiliate" of a party means any entity that directly or indirectly
controls, is controlled by or is under common control with such party, and, in
the case of AT&T, it also means any entity which AT&T has authorized to offer
any Service or part of any Service.

1.2      "Content" means information made available, displayed or transmitted in
connection with a Service (including, without limitation, information made
available by means of an HTML "hot link", a third party posting or similar
means) including all trademarks, service marks and domain names contained
therein as well as the contents of any bulletin boards or chat forums, and, all
updates, upgrades, modifications and other versions of any of the foregoing.

1.3      "User" means anyone who uses or accesses any Service purchased by You
under this Agreement.

2.0          CHARGES AND BILLING

2.1      You shall pay AT&T for Your and Users' use of the Services at the rates
and charges specified in the Attachments, without deduction, setoff or delay for
any reason except for amounts not yet due because they are disputed in good
faith as provided in Section 2.3 below. Charges set forth in the Attachments are
exclusive of any applicable taxes. You may be required at any time to pay a
deposit if AT&T determines that You are not creditworthy.

2.2      You shall pay all shipping charges, taxes (excluding those on AT&T's
net income) and other similar charges (and any related interest and penalties)
relating to the sale, transfer of ownership, installation, license, use or
provision of the Services, except to the extent a valid tax exemption
certificate is provided by You to AT&T prior to the delivery of Services. If You
dispute the taxability or desire to seek a refund of any tax imposed by any
federal, state or local jurisdiction as a result of the existence or operation
of this Agreement, You may at Your own expense and in Your own name, may file a
claim for refund or protest the imposition of the disputed tax. In the event
such claim for refund or protest must be made in the name of AT&T Corp, AT&T
shall in good faith and due diligence contest the imposition of such tax at Your
sole expense, provided that AT&T will not be required to pursue such a protest
if the action will result in (i) a lien against AT&T for which You have not
adequately indemnified AT&T or (ii) a penalty being assessed against AT&T for
which You have not adequately indemnified AT&T or (iii) AT&T taking a position
that would increase AT&T's tax liability.

2.3      Payment in U.S. currency is due within thirty (30) days after the date
of invoice, except for amounts disputed in good faith, and shall refer to the
invoice number. Restrictive endorsements or other statements on checks accepted
by AT&T will not apply. You shall reimburse AT&T for all costs (including
reasonable attorney fees) associated with collecting properly due, yet
delinquent or dishonored payments. AT&T shall reimburse You for all costs
(including reasonable attorney fees) associated with collecting properly due,
yet delinquent credits or refunds of overcharges. At AT&T's option, interest
charges may be added to any undisputed past due amounts at the lower of 1.5% per
month or the maximum rate allowed by law. Charges shall be considered past due,
if not paid in full within thirty (30) days after the date of an invoice, except
that, in the event of a bona fide dispute over a charge specifically identified
by You through written notice to AT&T in good faith, payment of the identified
charge will not be considered past due and no interest will be charged for
non-payment of such disputed charges pending investigation by AT&T. Upon
completion of AT&T's investigation of such disputed charge, AT&T will advise You
of the results of the investigation and will make such adjustments as deemed
appropriate in AT&T's sole discretion. Payment of any disputed charges that are
determined by AT&T to be correct as a result of such investigation and
consultation shall be considered past due if not paid in full within thirty (30)
days after completion of the foregoing process.

2.4      Bona fide disputes concerning invoices shall be addressed by the AT&T
Customer Billing Service Center ("CBSC") pursuant to its established methods and
procedures, after the dispute is referred to the CBSC by either You or Your
account team. If the dispute cannot be addressed by the CBSC within thirty (30)
days from the referral to the CBSC, it shall be escalated to the parties'
representatives as specified below. However, nothing herein shall absolve You
from promptly submitting reasonable security for payment of any withheld amounts
upon demand by AT&T, in the event that AT&T determines that Your financial
condition is such that Your ability to pay is in reasonable doubt. Upon AT&T's
resolution of the dispute, Customer shall promptly pay all amounts consistent
with the resolution, plus interest charges (at AT&T's option) calculated from
the date of AT&T's notice to Customer of the results of the investigation, at
the lower of 1.5% per month or the maximum rate allowed by law.

<TABLE>
<CAPTION>
       AT&T                 CUSTOMER        TIME TO RESOLVE
-------------------------------------------------------------------
<S>                     <C>                 <C>
Client Business Mgr.    Vice President IT       30 days
-------------------------------------------------------------------
Sales Center V.P.       CFO                     15 days
-------------------------------------------------------------------
Regional V.P.           President               15 days
-------------------------------------------------------------------
</TABLE>

3.0          RESPONSIBILITIES OF THE PARTIES

3.1      AT&T agrees to provide Services to You, subject to the availability of
the Services, in accordance with the terms and conditions, and at the charges
specified in this Agreement, consistent with all applicable laws and
regulations.

3.2      You shall assure that Your and Users' use of the Services and Content
will at all times comply with all applicable laws, regulations and written and
electronic instructions for use. AT&T reserves the right to terminate affected
Attachments, suspend affected Services, and/or remove Your or Users' Content
from the Services, if AT&T determines, in the exercise of its reasonable
discretion, that such use or Content does not conform with the requirements set
forth in this Agreement or interferes with AT&T's ability to provide Services to
You or others or receives notice from a reputable source that Your or Users' use
or Content may violate any laws or regulations. AT&T's actions or inaction under
this Section shall not constitute review or approval of Your or Users' use or
Content. AT&T will use reasonable efforts to provide notice to You before taking
action under this Section.

4.0          USE OF INFORMATION

4.1      All documentation, technical information, Software, business
information, or other materials that are disclosed by either party to the other
in the course of performing this Agreement shall be considered proprietary
information ("INFORMATION") of the disclosing party, provided such information
is in written or other tangible form that is clearly marked as "proprietary" or
"confidential". This Agreement shall be deemed to be AT&T and Your INFORMATION.
Your Content shall be deemed to be Your INFORMATION.

4.2      Each party's INFORMATION shall, for a period of three (3) years
following its disclosure (except in the case of Software or Your personally
identifiable customer, consumer or applicant information, for an indefinite
period): (i) be held in confidence; (ii) be used only for purposes of performing
this Agreement (including in the case of AT&T, the ability to monitor and record
Your transmissions in order to detect fraud, check quality, and to operate,
maintain and repair the Services) and using the Services; and (iii) not be
disclosed except to the receiving party's employees, agents, potential
acquirors, and contractors having a need-to-know (provided that such agents and
contractors are not direct competitors of either party and agree in writing to
use and disclosure restrictions as restrictive as this Article 4), or to the
extent required by law (provided that prompt advance notice is provided to the
disclosing party to the extent practicable).

4.3      The restrictions in this Article shall not apply to any information
that: (i) is independently developed by the receiving party; or (ii) is lawfully
received by the receiving party free of any obligation to keep it confidential;
or (iii) becomes generally available to the public other than by breach of this
Agreement.

4.4      AT&T shall implement appropriate security measures, policies, and
procedures that are designed to meet the objectives of the Interagency
Guidelines establishing standards for safeguarding customer information issued
by any regulatory agency with jurisdiction over CUSTOMER, including, but not
limited to, the Board of Governors of the Federal Reserve (the "Guidelines").
These objectives require a bank to contract with its service providers,
including AT&T, to implement appropriate measures to (1) ensure the security and
confidentiality of CUSTOMER's End Customer Information, (2) protect against any
anticipated threats or hazards to the security or integrity of such End Customer
Information,

Page 1 of 4                  AT&T PROPRIETARY                 CUSTOM TERMS - WJN

<PAGE>

                                                   AT&T MA REFERENCE NO.________

and (3) protect against unauthorized access to or use of such Information that
could result in substantial harm or inconvenience to any customer of CUSTOMER.
AT&T shall monitor the effectiveness of its security measures, policies, and
procedures in meeting these objectives and shall provide CUSTOMER, upon
CUSTOMER's written request, with information available to AT&T that provides the
results of AT&T's monitoring as aforesaid (including, but not limited to,
audits, summaries of test results, or other equivalent evaluations of AT&T in
monitoring the effectiveness of such security measures, policies and
procedures). All such information shall, when disclosed to CUSTOMER, be deemed
to be AT&T INFORMATION under Article 4. As used in this Section 4.4, "End
Customer Information" nonpublic personal information of customers of CUSTOMER,
as defined in the Guidelines.

5.0          PUBLICITY AND MARKS

5.1      No public statements or announcements relating to this Agreement shall
be issued by either party without the prior written consent of the other party,
or unless required by law in which event You shall provide AT&T written notice
prior to such use.

5.2      Each party agrees not to display or use, in advertising or otherwise,
any of the other party's trade names, logos, trademarks, service marks or other
indicia of origin (collectively "Marks") without the other party's prior written
consent, provided that such consent may be revoked at any time.

6.0          SOFTWARE

6.1      AT&T grants You and Your Affiliates a personal, non-transferable and
non-exclusive license (without the right to sublicense) to use, in object code
form, all software and associated written and electronic documentation and data
furnished pursuant to the Attachments (collectively, the "Software"), solely in
connection with the Services and solely in accordance with applicable written
and electronic documentation. You will refrain from taking any steps to reverse
assemble, reverse compile or otherwise derive a source code version of the
Software. The Software shall at all times remain the sole and exclusive property
of AT&T or its suppliers. "Third-Party Software" means Software that bears a
copyright notice of a third party. "AT&T Software" means all Software other than
Third-Party Software.

6.2      You shall not copy or download the Software, except that You shall be
permitted to make two (2) copies of the Software, one for archive and the other
for disaster recovery purposes. Any copy must contain the same copyright notices
and proprietary markings as the original Software.

6.3      You shall assure that Your Users comply with the terms and conditions
of this Article 6.

6.4      The term of the license granted hereunder shall be coterminous with the
Attachment which covers the Software.

6.5      You agree to comply with any additional restrictions that are provided
with any Third-Party Software.

6.6      AT&T warrants that all AT&T Software will perform substantially in
accordance with its applicable published specifications for the term of the
Attachment which covers the Software. If You return to AT&T, within such period,
any AT&T Software that does not comply with this warranty, then AT&T, at its
option, will either repair or replace the portion of the AT&T Software that does
not comply or refund any amount You prepaid for the time periods following
return of such failed or defective AT&T Software to AT&T. This warranty will
apply only if the AT&T Software is used in accordance with the terms of this
Agreement and is not altered, modified or tampered with by You or Users.

6.7      TO THE EXTENT THAT, PURSUANT TO AT&T'S AGREEMENT WITH ANY THIRD PARTY
REGARDING SOFTWARE, SUCH THIRD PARTY PERMITS AT&T TO EXTEND WARRANTIES FROM SUCH
THIRD PARTY TO END USERS AS PART OF THE RELATED THIRD PARTY TERMS, AT&T WILL USE
REASONABLE EFFORTS TO ENSURE THAT SUCH WARRANTIES ARE EXTENDED TO YOU AS PART OF
THE THIRD PARTY TERMS. FOR THE PURPOSES OF THIS PARAGRAPH, THIRD PARTY TERMS
SHALL BE DEFINED AS THE TERMS AND CONDITIONS OF SUCH SOFTWARE. AT&T'S SOLE
OBLIGATIONS EXCEPT AS PROVIDED IN THIS SECTION 6.7 WITH RESPECT TO SUCH SOFTWARE
SHALL BE PROVIDED IN THE APPLICABLE ATTACHMENT, AND THE APPLICABLE SERVICE LEVEL
AGREEMENT, IF ANY.

7.0          ADJUSTMENTS TO MINIMUM PURCHASE COMMITMENTS

7.1      In the event of a business downturn beyond Your control, or a corporate
divestiture, merger, acquisition or significant restructuring or reorganization
of Your business, or network optimization using other AT&T Services, or
reduction of the rates and charges, or chronic Service failures, or force
majeure events, any of which significantly impairs your ability to meet Your
minimum annual revenue commitments under an Attachment, AT&T will offer to
adjust the affected minimum annual revenue commitments so as to reflect Your
reduced traffic volumes, after taking into account the effect of such a
reduction on AT&T's costs and the AT&T prices that would otherwise be available
at the revised minimum annual revenue commitment levels. Both parties agree to
negotiate in good faith and use commercially reasonable efforts to reach
agreement on adjusting the MARC as a result of any of the events listed above in
this Section. If we reach mutual agreement on revised minimum annual revenue
commitments, we will amend or replace the affected Attachment, as applicable.
This provision shall not apply to a change resulting from a decision by You to
transfer portions of Your traffic or projected growth to service providers other
than AT&T. You must give AT&T written notice of the conditions You believe will
require the application of this provision. This provision does not constitute a
waiver of any charges, including, but not limited to, monthly recurring charges
and shortfall charges, incurred by You prior to amendment or replacement of the
affected Attachment.

7.2      In the event You acquire or merge with another entity or experience
internal growth with the result that Your telecommunications requirements
increase substantially, at Your request AT&T and You will cooperate in efforts
to develop a mutually agreeable alternative proposal that will satisfy the
concerns of both parties and comply with all applicable legal and regulatory
requirements. By way of example and not limitation, such alternative proposals
may include combining AT&T Agreements, term or discount plans (without a
reduction in commitments), changes in rates, nonrecurring charges, revenue
and/or volume commitments, discounts, the multi-year service period,
exclusivity, and other provisions. . Both parties agree to negotiate in good
faith and use commercially reasonable efforts to reach agreement on an
alternative upturn / growth proposal as a result of any of the events listed
above in this Section. If the parties reach mutual agreement on an alternative,
the parties will sign a contractual amendment to implement any mutually
agreeable alternative proposal, subject to all applicable legal and regulatory
requirements.

8.0          FORCE MAJEURE

8.1      Neither AT&T nor You shall be liable for any delay, failure in
performance, loss or damage due to: fire, explosion, power blackout, earthquake,
flood, the elements, strike, embargo, labor disputes, acts of civil or military
authority, war, acts of God, acts or omissions of carriers or suppliers, acts of
regulatory or governmental agencies, or other causes beyond such party's
reasonable control, whether or not similar to the foregoing, except that Your
obligation to pay for charges incurred for Services received by You shall not be
excused.

8.2      If AT&T cannot promptly provide a suitable temporary substitute for any
Service component interrupted or delayed by a Force Majeure Condition reasonably
anticipated to last more than five (5) business days in the case of a delay and
more than forty-eight (48) hours in the case of an interruption, You may, at
Your option, obtain substitute service from another vendor, provided that (i)
You shall notify AT&T in writing prior to activating any temporary substitute
service, and (ii) You shall subscribe to such service for the minimum
commercially available period that would cover the reasonably expected duration
of the Force Majeure Condition based upon AT&T's good faith estimate thereof.
AT&T's obligation to provide the affected Service component shall be suspended
for such period, and such obligation shall resume upon the later of the
termination or expiration of Your contracts with third parties for substitute
service or the cessation of the Force Majeure Condition. Subject to any
commitment for substitute services for the minimum commercially available
period, You shall resume use of the affected Service component promptly upon its
restoration. AT&T shall not charge You for any Service component that is not
provided as a result of a delay or interruption excused as a Force Majeure
Condition during the period of such delay or interruption, nor shall AT&T charge
You any reactivation, reinstallation, or reconnection charge to resume use of
the restored Service component.

Page 2 of 4                  AT&T PROPRIETARY                 CUSTOM TERMS - WJN

<PAGE>

                                                   AT&T MA REFERENCE NO.________

For purposes of this Section 8.2:

                  (i)      Interruptions shall not include downtime attributable
         to: Your site conditions; scheduled maintenance of which You had
         reasonable advance notice; services or products not supplied by AT&T;
         acts or omissions of You or any of Your agents, employees, suppliers
         (including LEC access providers) or contractors (except AT&T); or, acts
         or omissions of a third party (that is not an agent or contractor of
         AT&T).

                  (ii)     Delays shall not include missed Due Dates due to:
         Your postponement due to non-readiness; Your site conditions; scheduled
         maintenance of which You had reasonable advance notice; services or
         products not supplied by AT&T; acts or omissions of You or any of Your
         agents, employees, suppliers (including LEC access providers) or
         contractors (except AT&T); or, acts or omissions of a third party (that
         is not an agent or contractor of AT&T).

9.0          LIMITATIONS OF LIABILITY

9.1      For purposes of all exclusive remedies and limitations of liability set
forth in this Agreement or any Attachment, "AT&T" shall be defined as AT&T, its
Affiliates, and its and their employees, directors, officers, agents,
representatives, subcontractors, interconnection service providers and
suppliers; and "You" shall be defined as You, Your Affiliates, and Your and
their employees, directors, officers, agents, and representatives; and "Damages"
will refer collectively to all injury, damage, liability, loss, penalty,
interest and expense incurred.

9.2      EITHER PARTY'S ENTIRE LIABILITY AND THE OTHER PARTY'S EXCLUSIVE
REMEDIES, FOR ANY DAMAGES CAUSED BY ANY SERVICE DEFECT OR FAILURE, OR FOR OTHER
CLAIMS ARISING IN CONNECTION WITH ANY SERVICE OR OBLIGATIONS UNDER THIS
AGREEMENT SHALL BE:

(i)      FOR BODILY INJURY OR DEATH TO ANY PERSON, OR REAL OR TANGIBLE PROPERTY
DAMAGE, NEGLIGENTLY CAUSED BY A PARTY, OR DAMAGES ARISING FROM THE WILLFUL
MISCONDUCT OF A PARTY OR ANY BREACH OF ARTICLES 4 OR 5, THE OTHER PARTY'S RIGHT
TO PROVEN DIRECT DAMAGES;

(ii)     FOR DEFECTS OR FAILURES OF SOFTWARE, THE REMEDIES SET FORTH IN SECTION
6.6;

(iii)    FOR INTELLECTUAL PROPERTY INFRINGEMENT, THE REMEDIES SET FORTH IN
ARTICLE 11;

(iv)     FOR DAMAGES OTHER THAN THOSE SET FORTH ABOVE AND NOT EXCLUDED UNDER
THIS AGREEMENT, EACH PARTY'S LIABILITY SHALL BE LIMITED TO PROVEN DIRECT DAMAGES
NOT TO EXCEED PER CLAIM (OR IN THE AGGREGATE DURING ANY TWELVE (12) MONTH
PERIOD) AN AMOUNT EQUAL TO THE TOTAL NET PAYMENTS MADE BY YOU FOR THE AFFECTED
SERVICE DURING THE THREE (3) MONTHS PRECEDING THE MONTH IN WHICH THE DAMAGE
OCCURRED. THIS SHALL NOT LIMIT YOUR RESPONSIBILITY FOR THE PAYMENT OF ALL
PROPERLY DUE CHARGES UNDER THIS AGREEMENT.

9.3      EXCEPT FOR THE PARTIES' ARTICLE 11 OBLIGATIONS, NEITHER PARTY SHALL BE
LIABLE TO THE OTHER PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE,
RELIANCE OR SPECIAL DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOST
PROFITS, ADVANTAGE, SAVINGS OR REVENUES OF ANY KIND OR INCREASED COST OF
OPERATIONS.

9.4      AT&T ALSO SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR
RELATING TO: INTEROPERABILITY, ACCESS OR INTERCONNECTION OF THE SERVICES WITH
APPLICATIONS, EQUIPMENT, SERVICES, CONTENT OR NETWORKS PROVIDED BY YOU OR THIRD
PARTIES; SERVICE INTERRUPTIONS (EXCEPT WHERE A CREDIT IS EXPLICITLY SET FORTH IN
AN ATTACHMENT OR SERVICE GUIDE) OR LOST OR ALTERED MESSAGES OR TRANSMISSIONS;
OR, UNAUTHORIZED ACCESS TO OR THEFT, ALTERATION, LOSS OR DESTRUCTION OF YOUR,
USERS' OR THIRD PARTIES' APPLICATIONS, CONTENT, DATA, PROGRAMS, INFORMATION,
NETWORK OR SYSTEMS.

9.5      EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, AT&T MAKES NO
WARRANTIES, EXPRESS OR IMPLIED, AND SPECIFICALLY DISCLAIMS ANY WARRANTY OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT OR
ANY WARRANTY ARISING BY USAGE OF TRADE, COURSE OF DEALING OR COURSE OF
PERFORMANCE.

9.6      THE LIMITATIONS OF LIABILITY SET FORTH IN THIS AGREEMENT SHALL APPLY:
(i) REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT
LIABILITY OR OTHERWISE; AND (ii) WHETHER OR NOT DAMAGES WERE FORESEEABLE. THESE
LIMITATIONS OF LIABILITY SHALL SURVIVE FAILURE OF ANY EXCLUSIVE REMEDIES
PROVIDED IN THIS AGREEMENT.

10.0         TERMINATION

10.1     If a party fails to perform or observe any material term or condition
of this Agreement and the failure continues unremedied for thirty (30) days
after receipt of written notice, (i) the other party may terminate for cause any
Attachment affected by the breach, or (ii) where the failure is a non-payment by
You of any charge when due except those charges disputed in accordance with
Section 2.3 above, AT&T may, at its option, terminate or suspend Service and/or
require a deposit under affected Attachments.

10.2     An Attachment may be terminated immediately upon written notice by: (i)
either party if the other party has violated the other party's Marks, becomes
insolvent or involved in a liquidation or termination of its business, files a
bankruptcy petition, has an involuntary bankruptcy petition filed against it (if
not dismissed within thirty (30) days of filing), becomes adjudicated bankrupt,
or becomes involved in an assignment for the benefit of its creditors; or (ii)
either party due to a material breach of any provision of Article 4 by the other
party..

10.3     You shall be responsible for payment of all charges except those
charges disputed in accordance with Section 2.3 above under a terminated
Attachment incurred as of the effective date of termination. You shall also be
liable to AT&T for Termination Charges, if specified in a terminated Attachment,
in the event that AT&T terminates under Section 10.1 or 10.2, or You terminate
without cause.

10.4     Termination by either party of an Attachment does not waive any other
rights or remedies it may have under this Agreement. Termination or suspension
of an Attachment shall not affect the rights and obligations of the parties
under any other Attachment.

11.0         FURTHER RESPONSIBILITIES

11.1     AT&T agrees to defend or settle any claim against You and to pay all
Damages that a court or settlement may award against You in any suit that
alleges a Service or AT&T Software infringes any patent, trademark, copyright or
trade secret, except where the claim or suit arises out of or results from: Your
or User's Content; modifications to the Service or AT&T Software or combinations
of the Service with other services or products not authorized by AT&T, by You or
others; AT&T's adherence to Your written requirements; or, use of the Service or
AT&T Software in violation of this Agreement. You agree to defend or settle any
claim against AT&T and to pay all Damages that a court may award against AT&T in
any suit that alleges a Service or AT&T Software infringes any patent,
trademark, copyright or trade secret, due to any of the exceptions in the
preceding sentence.

11.2     Whenever AT&T is responsible under Section 11.1, AT&T may at its option
either procure the right for You to continue using, or may replace or modify the
alleged infringing Service or AT&T Software so that the Service or AT&T Software
becomes noninfringing provided that there is no substantial decrease in the
functionality or performance of the Service, but if those alternatives are not
reasonably achievable, AT&T may terminate the affected Attachment without
liability other than as stated in Section 11.1.

11.3     AT&T grants to You the right to permit Users to access and use the
Services, provided that You shall remain solely responsible for such access and
use. Any use or access by Users shall be deemed to be use or access by You. AT&T
shall be solely responsible to You, and not Users, for the Services.

11.4     The indemnified party under this Article 11: (i) must notify the other
party in writing promptly upon learning of any claim or suit for which
indemnification may be sought, provided that failure to do so shall have no
effect except to the extent the other party is prejudiced thereby; (ii) shall
have the right to participate in such defense or settlement with its own counsel
and at its sole expense, but the other party shall have control of the defense
or settlement; and (iii) shall reasonably cooperate with the defense.

Page 3 of 4                  AT&T PROPRIETARY                 CUSTOM TERMS - WJN

<PAGE>

                                                   AT&T MA REFERENCE NO.________

12.0         GENERAL PROVISIONS

12.1     Any supplement, modification or waiver of any provision of this
Agreement must be in writing and signed by authorized representatives of both
parties. A waiver by either party of any breach of this Agreement shall not
operate as a waiver of any other breach of this Agreement.

12.2     This Agreement may not be assigned by either party without the prior
written consent of the other, except that either party may, without the other
party's consent, assign this Agreement or any Attachment to a present or future
Affiliate or successor, provided that any such assignment by You shall be
contingent upon AT&T reasonably determining the assignee to be creditworthy and
in compliance with any standard eligibility criteria for the Services. AT&T may
subcontract work to be performed under this Agreement, but shall retain
responsibility for all such work.

12.3     If any portion of this Agreement is found to be invalid or
unenforceable, the remaining provisions shall remain in effect and the parties
shall promptly negotiate to replace invalid or unenforceable portions that are
essential parts of this Agreement.

12.4     Any legal action arising in connection with this Agreement must begin
within two (2) years after the cause of action arises.

12.5     All required notices under this Agreement to AT&T shall be in writing
and either mailed by certified or registered mail, postage prepaid return
receipt requested, sent by express courier or hand delivered and addressed to
AT&T at the address set forth on the cover page of this Agreement or, if the
notice relates to a specific Attachment, the address set forth in such
Attachment, or such other address that AT&T indicates in writing. All required
notices under this Agreement to You shall be in writing and either mailed by
certified or registered mail, postage prepaid return receipt requested, sent by
express courier or hand delivered and addressed to You and Your General Counsel
at the address set forth on the cover page of this Agreement or, if the notice
relates to a specific Attachment, the address set forth in such Attachment, or
such other address that a party indicates in writing.

12.6     State law issues concerning construction, interpretation and
performance of this Agreement shall be governed by the substantive law of the
State of New York, excluding its choice of law rules. The United Nations
Convention on Contracts for International Sale of Goods shall not apply.

12.7     This Agreement does not provide any third party (including Users) with
any remedy, claim, liability, reimbursement, cause of action or other right or
privilege.

12.8     The respective obligations of You and AT&T, which by their nature would
continue beyond the termination or expiration of any Attachment or this
Agreement, including, without limitation, the obligations regarding Use of
Information, Publicity and Marks, Further Responsibilities and Limitations of
Liability, shall survive termination or expiration.

12.9     THIS AGREEMENT CONSTITUTES THE ENTIRE AGREEMENT BETWEEN THE PARTIES
WITH RESPECT TO THE SERVICES. THIS AGREEMENT SUPERSEDES ALL PRIOR AGREEMENTS (
INCLUDING MA #12640 EXCEPT FOR ITS SURVIVING ATTACHMENTS), PROPOSALS,
REPRESENTATIONS, STATEMENTS OR UNDERSTANDINGS, WHETHER WRITTEN OR ORAL
CONCERNING THE SERVICES, OR THE RIGHTS AND OBLIGATIONS RELATING TO THE SERVICES.
THIS AGREEMENT SHALL NOT BE CONTRADICTED, OR SUPPLEMENTED BY ANY WRITTEN OR ORAL
STATEMENTS, PROPOSALS, REPRESENTATIONS, ADVERTISEMENTS, SERVICE DESCRIPTIONS OR
YOUR PURCHASE ORDER FORMS NOT EXPRESSLY SET FORTH IN THIS AGREEMENT OR AN
ATTACHMENT.

13.0         MATERIAL CHANGE BY AT&T

The parties acknowledge that AT&T's tariffs and Service Guides, which may be
modified from time to time by AT&T, may govern or affect certain Services. AT&T
may amend an applicable Tariff or Service Guide from time to time consistent
with this Agreement, provided, however, that if AT&T revises an applicable
Tariff or Service Guide in a manner that is material and adverse to You and AT&T
does not effect revisions that remedy such adverse and material effect within
thirty (30) days after receipt of written notice from You, then You may, as Your
sole remedy, elect to terminate the affected Attachments on thirty (30) days'
written notice given not later than ninety (90) days after You first learn of
the event(s) giving rise to the termination right. However, a revision to a
Tariff or Service Guide shall not be considered material and adverse to Customer
if (i) it affects only Services or Service Elements not in substantial use by
Customer at the time of the revision or (ii) it changes Rates and Charges that
are not fixed in an Attachment.

Page 4 of 4                  AT&T PROPRIETARY                 CUSTOM TERMS - WJN

<PAGE>

                                               AT&T MA REFERENCE NO. ___________

                        INSTRUCTIONS -- FOR AT&T USE ONLY
  [USE THESE INSTRUCTIONS TO COMPLETE AT&T SERVICE ORDER ATTACHMENT-VOICE/DATA
        SERVICES COVER PAGE AND ATTACHMENT TERMS AND CONDITIONS AND THEN
                              DISCARD THIS PAGE.]

1.       MASTER AGREEMENT. Verify whether Customer has a signed Master Agreement
         with AT&T and whether that Agreement is still in effect. If no Master
         Agreement is in effect, you should deliver the AT&T Master Agreement to
         Customer for execution along with this Attachment.

2.       CUSTOMER INFORMATION. Insert the Customer's full legal name and
         corporate address in the space provided at the top of the form. If the
         Customer has more than one address, insert the address to which AT&T
         should send any official notices under this agreement.

3.       AT&T SALES CONTACT INFORMATION. Insert the name of the primary AT&T
         account manager (AT&T Contact Name), and the account manager's
         telephone number and address in the space provided at the top of the
         form. This will be the address to which the Customer sends notice to
         AT&T under this agreement

4.       CHECK ONE OR MORE OF THE APPLICABLE BOXES ON THE FRONT OF THE FORM
         BASED UPON THIS OFFER:

                  NEW ATTACHMENT - Attach copy of the applicable authorized
                  Attachment Pages.

                  EXISTING ATTACHMENT: First verify that the Attachment is still
                  available and that the Customer is eligible for it. Then
                  insert the applicable Attachment number and attach the
                  applicable authorized Attachment pages.

                  AMENDMENT OF EXISTING ATTACHMENT - Insert applicable
                  Attachment number and attach copy of the applicable authorized
                  Attachment Pages

5.       EXISTING PRICING PLAN REPLACEMENT/DISCONTINUANCE: Identify CT,
         Attachment and/or Pricing Plan being discontinued (if any) in
         conjunction with this order, by specifying the CT No./Attachment No.,
         Plan ID No. or Main Billed Account No. of the discontinued plan(s).
         Note that the discontinued CT/Attachment/Pricing Plan may require the
         Customer to pay termination liability charges and/or other charges for
         early termination pursuant to the provisions in those agreements.

         No Attachment to the Master Agreement should be accepted by AT&T if the
         agreement has been altered in any way from the agreement pages
         presented to the Account Team, i.e., no unauthorized changes, no
         handwritten modifications to the contract documents and no side letters
         attached.

         Also note that agreements will not be implemented until ALL ORIGINAL
         PAPERWORK has been sent to the appropriate location outlined below. The
         Account Team contact should keep a complete copy of each agreement for
         their records.

8.       RETURN INFORMATION: Please return two originals of the Master Agreement
         package consisting of:

         If new Master Agreement, include the following: (1) the customer-signed
         Master Agreement Cover Page, (2) the Master Agreement Terms and
         Conditions; (3) the Service Order Attachment Cover Page - Voice/Data
         Services (no signature required), (4) the applicable Attachment pages
         and (5) the completed Signature Authorization Form

         If the Attachment is being added as a new attachment to an existing
         Master Agreement OR the Attachment is being amended, include the
         following: (1) the customer-signed Service Order Attachment Cover Page
         - Voice/Data Services, (2) the applicable Attachment pages and (3) the
         completed Signature Authorization Form

                       AT&T Master Agreement Support Team
                               Central Repository
                               55 Corporate Drive
                                   Room 33D24
                             Bridgewater, NJ 08807

CUSTOM TERMS-WJN - ADVANTA       AT&T PROPRIETARY                       02/04/03

<PAGE>

                                                    AT&T MA REFERENCE NO. 120497

               AT&T SERVICE ORDER ATTACHMENT-VOICE/DATA SERVICES
                                   COVER PAGE

<TABLE>
<S>                                           <C>                                       <C>
---------------------------------------------------------------------------------------------------------------------------------
CUSTOMER LEGAL NAME ( "CUSTOMER",             AT&T CORP. ("AT&T")                       AT&T SALES CONTACT NAME
"YOU" OR "YOUR")
---------------------------------------------------------------------------------------------------------------------------------
Advanta Shared Services                       AT&T Corp.                                Daniel Kennedy

---------------------------------------------------------------------------------------------------------------------------------
CUSTOMER ADDRESS                              AT&T ADDRESS                              AT&T SALES CONTACT ADDRESS
---------------------------------------------------------------------------------------------------------------------------------
Welsh and McKean Roads                        55 Corporate Drive                        170 South Warner Road
Springhouse                                   Bridgewater, New Jersey 08807             Wayne
PA     USA                                                                              PA     USA
19477                                                                                   19087
---------------------------------------------------------------------------------------------------------------------------------
CUSTOMER CONTACT                              AT&T CONTACT                              AT&T SALES CONTACT INFORMATION
---------------------------------------------------------------------------------------------------------------------------------
Name: Lakshmi Venkataswamy                    Master Agreement Support Team             Telephone: 610-341-5106
Title: Vice President                         Email: mast@att.com                       Fax: 610-971-3903
Telephone: 215-444-5757                       url:   http://ma.kweb.att.com/            Email: kennedydj@att.com
Fax:                                          Fax:   908-658-2562                       Branch Manager: Brian Troup
Email: lvenkataswamy@advanta.com                                                        Sales Strata: Globals Sales Region: Hoppe
---------------------------------------------------------------------------------------------------------------------------------
CUSTOMER BILLING ADDRESS                      CUSTOMER ACCOUNT INFORMATION
---------------------------------------------------------------------------------------------------------------------------------
Welsh and McKean Roads                        Master Customer Number (MCN): 691560B2
Springhouse                                   Plan ID No.
PA     USA                                    Plan ID No.
19477
---------------------------------------------------------------------------------------------------------------------------------
</TABLE>

This Service Order Attachment (including its addenda, if any) is an Attachment
to the Master Agreement between Customer and AT&T dated 2/10/03,

nd is an integral part of that Agreement. The order of priority in the event of
inconsistency among terms shall be the Attachment, then the Master Agreement,
and then the AT&T Business Service Guide at
http://www.att.com/serviceguide/business.

In the event any of the Services Provided are detariffed, any references in this
Attachment to the "Applicable Tariffs" relating to such services will be
construed as references to the non-tariffed successor, known as the AT&T
Business Service Guide at http://www.att.com/serviceguide/business

CUSTOMER HEREBY PLACES AN ORDER FOR:

<TABLE>
<S>                   <C>                            <C>
[ ] NEW ATTACHMENT    [ ] EXISTING ATTACHMENT NO.    [ ] AMENDMENT OF EXISTING ATTACHMENT NO.
</TABLE>

EXISTING PRICING PLAN REPLACEMENT/DISCONTINUANCE:

[ ]      Check here and identify any AT&T CT, Attachment, or other AT&T pricing
         plan being discontinued in conjunction with this order. Also specify
         the CT No./Attachment No., Plan ID No. or Main Billed Account No.
         (Note: Charges may apply as specified in the plan being discontinued.)

         CT No./Attachment No.       Plan ID No.       Main Billed Account No.

       CUSTOMER HAS READ AND UNDERSTANDS THE TERMS AND CONDITIONS OF THIS
            SERVICE ORDER ATTACHMENT AND AGREES TO BE BOUND BY THEM.

CUSTOM TERMS-WJN - ADVANTA       AT&T PROPRIETARY                       02/04/03

<PAGE>

                                               AT&T MA REFERENCE NO. ___________

     AT&T SERVICE ORDER ATTACHMENT-VOICE/DATA SERVICES TERMS AND CONDITIONS

MARC-ELIGIBLE SERVICES:

1.   For purposes of this Agreement, the Other AT&T Services designated by AT&T
     as MARC-Eligible, pursuant to Section 3 of the Attachment, are as follows:

     [ ] AT&T Asynchronous Transfer Mode Service & AT&T Frame/Relay/Asynchronous
         Transfer Mode Interworking Service

     [ ] AT&T Frame Relay Plus

     [ ] AT&T Managed Internet Service

     [ ] DSL Internet Service

     [ ] Business Internet Service (a/k/a AGNS Corporate Dial)

     [ ] Enterprise Hosting Service (formerly known as Dedicated Hosting)

     [ ] AT&T Virtual Private Network Tunneling Services

     [ ] AT&T Teleconference Service Options

     [ ] AT&T Concert VNS

     [ ] AT&T Concert Inbound Service

     [ ] AT&T North American Voice Services

2.   AT&T may add additional MARC-Eligible Services to this list by written
notice to You.

3.   Notwithstanding the foregoing, the following charges shall NOT be deemed
MARC-Eligible Charges: (a) charges for or in connection with equipment; (b)
charges for outsourcing services; (c) taxes or regulatory charges (such as USF,
PICC, payphone service provider compensation, and state USF).

4    Upon Your written request, but not more than once in any rolling twelve
(12) month period and no later than the ninth month of this Attachment's term
year, AT&T will review with You the status of Your revenue/volume commitments
compared to available traffic, and the pricing (taken as a whole) of the AT&T
services provided under this Attachment compared to similarly-situated AT&T
customers. Both parties agree to negotiate in good faith and use commercially
reasonable efforts to reach agreement on an alternative revenue commitment or
pricing as described in this Section. If AT&T and You agree that revisions to
this Attachment would be advantageous to both parties, then AT&T and You will
cooperate in efforts to develop a mutually agreeable alternative proposal that
will satisfy the concerns of both parties and comply with all applicable legal
and regulatory requirements. By way of example and not limitation, such
alternative proposal may include changes in rates, nonrecurring charges, revenue
and/or volume commitments, discounts, the multi-year service period and other
provisions. If the parties reach mutual agreement on an alternative, AT&T will
prepare and file any necessary tariff revisions and/or the parties will sign a
contractual amendment to implement any mutually agreeable alternative proposal,
subject to all applicable legal and regulatory requirements. This provision
shall not apply to a change resulting from a decision by You to transfer
portions of Your traffic or projected growth to carriers other than AT&T. This
provision does not constitute a waiver of any charges, including shortfall
charges, incurred by You prior to the time any revised Attachment goes into
effect.

5.   If as a proximate result of the following events listed below, Customer's
payments for the Services will be insufficient to satisfy any minimum purchase
requirement in this Attachment, then the parties will make appropriate changes
to the affected Attachment(s):

     (a) AT&T's discontinuance of Services as permitted by this Agreement, for
     reasons other than due to breach or default of Customer, where purchases of
     the discontinued Services were included in the initial demand set for
     development of a minimum purchase requirement; or

     (b) Customer's termination of Services or an Attachment for AT&T's material
     breach, as permitted by any provision of the Agreement that permits
     Customer to terminate Services or the Attachment without liability for
     AT&T's material breach, where purchases of the terminated Services or under
     the terminated Attachment were included in the initial demand set for
     development of a minimum purchase requirement.

     6.  The parties agree to meet periodically, at the request of either party,
         to discuss their relationship hereunder, each party's performance under
         this Agreement and any relevant changes in circumstances affecting
         either party hereunder. The parties acknowledge that federal and state
         regulatory and legislative actions and other marketplace development,
         including but not limited to technology migration to other services
         provided by AT&T and its Affiliates, may make changes to this Agreement
         and the AT&T Business Service Guide provisions appropriate from time to
         time. Upon review of such changes of circumstance, at the Customer's
         request but not more frequently than once per year, AT&T and Customer
         will cooperate in determining any appropriate modifications to this
         Agreement. Such mutually agreeable modifications may include, without
         limitation, changes to the Minimum Annual Charge, minimum service
         element requirements, the Multi-year Service period, applicable rates
         and charges, and/or other provisions, but any such mutually agreeable
         modifications must conform to all applicable legal and regulatory
         requirements and restrictions, including, without limitation, those
         established by the Federal Communications commission and the
         Communications Act of 1934, as amended. Subject to all such applicable
         legal and regulatory requirements and restrictions, AT&T will prepare
         any tariff revisions necessary to implement such mutually agreeable
         alternative provisions. This section shall not act as a waiver or
         require a waiver of any charge (including any

CUSTOM TERMS-WJN - ADVANTA       AT&T PROPRIETARY                       02/04/03

<PAGE>

                                               AT&T MA REFERENCE NO. ___________

         shortfall charge) incurred prior to the effectiveness of any revisions
         necessary to implement any agreement between the parties hereunder.

     7.  The parties agree that for the purposes of this Attachment, Section
     9.2(i) of the Master Agreement is deleted and replaced with the following:

     (i)FOR BODILY INJURY OR DEATH TO ANY PERSON, OR REAL OR TANGIBLE PROPERTY
     DAMAGE, NEGLIGENTLY CAUSED BY A PARTY, OR DAMAGES ARISING FROM THE WILLFUL
     MISCONDUCT OF A PARTY OR ANY BREACH OF ARTICLES 4 OR 5 OR A WRONGFUL
     TERMINATION OF THIS ATTACHMENT (E.G., NOT IN ACCORDANCE WITH SECTION 10 OF
     THE MASTER), THE OTHER PARTY'S RIGHT TO PROVEN DIRECT DAMAGES;

CUSTOM TERMS-WJN - ADVANTA       AT&T PROPRIETARY                       02/04/03

<PAGE>

ADVANTA CORP WK-37113V6                 For AT&T Administrative Use Only

                                                 MASTER AGREEMENT NO. __________
                                                       ATTACHMENT NO. __________
                                             ORIGINAL EFFECTIVE DATE: __________
                                              AMENDED EFFECTIVE DATE: __________

                AT&T SERVICE ORDER ATTACHMENT-VOICE/DATA SERVICES

1.   SERVICES/OFFERS PROVIDED

AT&T will provide the following Services/Offers to the Customer under this
Attachment pursuant to AT&T Business Service Guide located at
http://www.att.com/serviceguide/business (the "Service Guide") as amended from
time to time. The Rates, Discounts and other provisions stated in this
Attachment are in lieu of the comparable provision stated in the Service Guide.

-    AT&T SDN OneNet Services

-    AT&T Global Inbound Service

-    AT&T Audio and Vide TeleConference Services*

-    AT&T Toll-Free Services

-    AT&T Frame Relay Services (FRS)

-    AT&T International Satellite Services

-    AT&T Private Line Services

-    AT&T Local Channel Services

* - The Customer must identify with each order for AT&T Audio and Video
TeleConference Services that such services are to be provided under this
Attachment

2.   ATTACHMENT TERM, RENEWAL OPTIONS

The term of this Attachment is 4 years. The Effective Date of this Attachment
(EDA) is upon signature by both parties. The EDA is used to determine the
Applicable Rate Effective Date. The Rates and Discounts commence beginning on
the applicable Rate Effective Date as shown below. The Attachment Term begins on
the Rate Effective Date for Voice Services. This Attachment may be renewed in
its entirety for an additional one-year period at the rates, terms and
conditions then in effect under this Attachment, provided AT&T receives in
writing, the Customer's order to renew at least 45 days prior to the last day of
the initial term.

<TABLE>
<CAPTION>
                                                    THEN THE RATES AND
   FOR THE FOLLOWING                                  DISCOUNTS FOR
SERVICES/OFFERS PROVIDED                            THESE SERVICES CAN
 UNDER THIS ATTACHMENT        IF THE EDA IS:           COMMENCE ON:
------------------------------------------------------------------------
<S>                          <C>                  <C>
VOICE SERVICES:              On or before the     The first day of
AT&T SDN OneNet              10th of the          the first full billing
Services/AT&T Toll-Free      month                month following
Services, AT&T Global                             the EDA ("Rate
Inbound Service and AT&T                          Effective Date")
Audio and Video
TeleConference Services
------------------------------------------------------------------------
VOICE SERVICES:              After the 10th of    The first day of
AT&T SDN OneNet              the month            the second full
Services/AT&T Toll-Free                           billing month
Services, AT&T Global                             following the EDA
Inbound Service and AT&T                          ("Rate Effective
Audio and Video                                   Date")
TeleConference Services
------------------------------------------------------------------------
</TABLE>

<TABLE>
<CAPTION>
   FOR THE FOLLOWING
SERVICES/OFFERS PROVIDED         THEN THE RATES AND DISCOUNTS FOR
 UNDER THIS ATTACHMENT            THESE SERVICES CAN COMMENCE ON
--------------------------------------------------------------------
<S>                              <C>
DATA SERVICES:
AT&T Private Line
Services, AT&T                              On the EDA
Frame Relay                           ("Rate Effective Date")
Services, AT&T
International Satellite
Service and AT&T Local
Channel Services
--------------------------------------------------------------------
</TABLE>

3.  MINIMUM COMMITMENTS/CHARGES

The Customer agrees to satisfy the following Minimum Annual Revenue Commitment
(MARC):

<TABLE>
<CAPTION>
             YEAR 1          YEAR 2          YEAR 3
-----------------------------------------------------
<S>        <C>             <C>             <C>
MARC       $3,500,000      $3,500,000      $3,500,000
-----------------------------------------------------
             YEAR 4
-------------------------
MARC       $3,500,000
-------------------------
</TABLE>

The MARC will be satisfied by the "MARC-eligible charges":

Gross Monthly Usage Charges (GMUCs) for AT&T SDN OneNet Services and AT&T
Toll-Free Services, AT&T Global Inbound Service, AT&T Audio and Video
TeleConference Services

Undiscounted Recurring Charges for AT&T SDN OneNet Optional Features, AT&T
Toll-Free Service Optional Features, AT&T Advanced Toll-Free Services, AT&T
Global Inbound Service, Digital Services Volume Pricing Plan (DSVPP)-Eligible
Services and Service Components, Primary Rate Interface (PRI), AT&T Terrestrial
1.544 Mbps Local Channel Service provided under an Access Value Arrangement or
Access Value Plan (AVP),

AT&T ACCU-Ring Network Access Service which have been ordered under a separate
contract between the Customer and AT&T, excluding Special Construction Charges
and Individual Case Basis contracts

Other AT&T Services which have been mutually designated in writing by the
parties prior to or during the term of this Attachment

If, on any anniversary of the start of the Attachment Term, the Customer has
failed to satisfy the MARC for the preceding 12 month period, the Customer will
be billed a shortfall charge in an amount equal to the greater of: (i) the
difference between the MARC and the total of the actual MARC-eligible charges
incurred for that year

                                     Page 1

<PAGE>

ADVANTA CORP WK-37113V6                 For AT&T Administrative Use Only

                                                 MASTER AGREEMENT NO. __________
                                                       ATTACHMENT NO. __________
                                             ORIGINAL EFFECTIVE DATE: __________
                                              AMENDED EFFECTIVE DATE: __________

                AT&T SERVICE ORDER ATTACHMENT-VOICE/DATA SERVICES

4.   ATTACHMENT PRICE

The Customer will receive Connected Pricing for AT&T SDN OneNet Services as
specified in the Service Guide.

Regardless of any stabilization that may appear in this Attachment for the
Services/Offers Provided, AT&T reserves the right to increase charges as a
result of expenses incurred by AT&T relating to regulatory assessments stemming
from an order, rule or regulation of the Federal Communications Commission or
other regulatory authority or court having competent jurisdiction (including but
not limited to payphone, PICC and USF related expenses).

5.   DISCOUNTS

All discounts are applied in the same manner as specified in the applicable
section of the Service Guide, and no other discounts will apply.

AT&T SDN ONENET SERVICES/AT&T TOLL-FREE SERVICES - The Customer will receive the
following discounts on the AT&T SDN OneNet Discount Plan qualified usage
charges:

<TABLE>
<CAPTION>
-------------------------------------------------------------------
                                 Discount applied
                                 to Domestic SDN
                                     OneNet,             Discount
                                   Domestic and         applied to
                                International Toll-   International
     For Gross Monthly             Free Services        SDN OneNet
     Usage Charges of:                 Usage              Usage
-------------------------------------------------------------------
<S>                             <C>                   <C>
Between $0 and $300,000                36.0%              25.0%
-------------------------------------------------------------------
over $300,000 up to $480,000           38.0%              26.0%
-------------------------------------------------------------------
over $480,000 up to $760,000           40.0%              27.0%
-------------------------------------------------------------------
over $760,000                          42.0%              27.0%
-------------------------------------------------------------------
</TABLE>

AT&T GLOBAL INBOUND SERVICE - The Customer will receive a 38% discount on AT&T
Global Inbound (U.S. to foreign and foreign to U.S.) usage charges.

AT&T FRAME RELAY, INTERNATIONAL SATELLITE, DOMESTIC AND INTERNATIONAL PRIVATE
LINE AND AT&T LOCAL CHANNEL SERVICES - The Customer will receive the following
discounts on the DSVPP-Eligible Service Components associated with the Services
listed below:

<TABLE>
<CAPTION>
                DSVPP-Eligible Services                 Discount
----------------------------------------------------------------
<S>                                                     <C>
Frame Relay Service                                       52%
----------------------------------------------------------------
ACCUNET Spectrum of Digital Service (ASDS) 64 kbps        14%
and below
----------------------------------------------------------------
ACCUNET Spectrum of Digital Service (ASDS) 128 kbps       27%
and above
----------------------------------------------------------------
ACCUNET T1.5 Service                                      57%
----------------------------------------------------------------
ACCUNET T45 Service                                       35%
----------------------------------------------------------------
ACCUNET Fractional T45 Service                            45%
----------------------------------------------------------------
International ACCUNET 2.048 Mbps Service-Mexico           51%
----------------------------------------------------------------
ACCUNET SONET T155 Service                                36%
----------------------------------------------------------------
SONET OC12 Service                                        36%
----------------------------------------------------------------
ACCUNET Generic Digital Access (GDA) 9.6/56/64 kbps       30%
----------------------------------------------------------------
Terrestrial 1.544 Mbps Local Channel Service              34%
----------------------------------------------------------------
Voice Grade Local Channel Service                         9%
----------------------------------------------------------------
Digital Data Local Channel Service 9.6/56/64 kbps         9%
----------------------------------------------------------------
Terrestrial 45 Mbps Local Channels                        15%
----------------------------------------------------------------
Voice Grade Private Line Service-Overseas Half            37%
Channel
----------------------------------------------------------------
International ACCUNET Digital Services-Half Channel       58%
----------------------------------------------------------------
International Full Channel Service-Overseas-Overseas      52%
Cable Digital Channel
----------------------------------------------------------------
International Satellite Shared Earth Station              47%
Service-Half Channel
----------------------------------------------------------------
</TABLE>

6.   CLASSIFICATIONS, PRACTICES AND REGULATIONS

6.1  PROMOTIONS

The Customer is ineligible for any promotions, credits or waivers in the Service
Guide, except that the Customer is eligible for Waiver Package Options A, B, C
and D, as specified in the Service Guide.

6.2  CREDITS

AT&T will apply a credit equal to:

6.2.1 $120,000 to the Customer's OneNet bill in the 3rd full billing month
following the start of the Attachment Term. If the Customer discontinues this
Attachment for any reason during the year the credit is applied, AT&T will bill
the Customer, an amount equal to any credits received.

6.3  WAIVERS

AT&T will waive the following charges, provided such components remain installed
for a minimum retention period of 12 months or unless otherwise indicated below,
equal to:

                                     Page 2

<PAGE>

ADVANTA CORP WK-37113V6                 For AT&T Administrative Use Only

                                                 MASTER AGREEMENT NO. __________
                                                       ATTACHMENT NO. __________
                                             ORIGINAL EFFECTIVE DATE: __________
                                              AMENDED EFFECTIVE DATE: __________

               AT&T SERVICE ORDER ATTACHMENT-VOICE/DATA SERVICES

6.3.1 The recurring Monthly Charges for the following new and existing AT&T
DSVPP eligible service components

(1)  ACCUNET T1.5 Service Access Connections

(2)  ACCUNET T1.5 Service M-24 Multiplexing Office Functions,

(3)  AT&T Terrestrial 1.544 Mbps Local Channel Service Access Coordination
     Functions;

(4)  ASDS Access Connections; and

(5)  ACCUNET GDA Service 9.6/56/64 kbps Access Coordination Functions

There is no minimum retention period associated with this waiver.

6.3.2 The recurring Monthly Charges for the following new and existing
DSVPP-eligible service components.

(1)  ACCUNET T45 Service Access Connections;

(2)  ACCUNET T45 Service M-28 Multiplexing Office Functions; and

(3)  AT&T Terrestrial 45 Mbps Local Channel Service Access Coordination
     Functions

There is no minimum retention period associated with this waiver.

6.4  DISCONTINUANCE

The Customer may discontinue this Attachment under one of the following
provisions without incurring any termination charges. However, the Customer
shall remain liable for shortfall charges (if any) incurred prior to the
effective date of discontinuance, and any other charges and liabilities.

(1)  In the event of a breach of any material term or condition of this
Attachment or the underlying applicable sections of the Service Guide by AT&T
where such failure continues unremedied for thirty (30) days after receipt of
written notice by AT&T.

(2)  At any time after the 2nd anniversary of the start of the Attachment Term,
provided: (1) AT&T receives, in writing, the Customer's order to discontinue at
least 30 days prior to the day on which the service is to be discontinued; and
(2) the Customer, by the time of discontinuance, satisfied an amount equal to
the sum of $20,000,000 of undiscounted usage.

(3)  Prior to the end of the Attachment Term, provided the Customer: (1) is
current in payment to AT&T for its existing telecommunication services and (2)
replaces this Attachment with other domestic and/or international
telecommunications Services (excluding Wireless and Broadband Service) provided
by AT&T having: (i) an equal or greater new Minimum Annual Revenue Commitment
(MARC), and (ii) a new term equal to or greater than the remaining term of this
Attachment. If the Customer is terminating more than one Attachment per this
provision, the new MARC must be equal to or greater than the sum of all the
MARCs in the Attachments that are being discontinued. However, the Customer will
be billed a shortfall charge equal to: the difference between (1) the prorated
MARC for the year in which the Customer discontinues and (2) the total of the
actual MARC-eligible charges incurred for that year. This shortfall charge will
only be billed if the amount in (2) is less than the amount in (1).

If the Customer discontinues this Attachment without cause other than as stated
in the preceding paragraphs or if AT&T terminates as contractually permitted for
cause (e.g., due to Customer's uncured material breach), prior to the expiration
of the Attachment Term, a Termination Charge will apply. The Termination Charge
will be an amount equal to 35% of the unsatisfied MARC for the year in which the
Customer discontinues this Attachment and 35% of the MARC for each year
remaining in the Attachment Term. This Termination Charge is in addition to any
Termination Charge for service components disconnected prior to the end of the
minimum retention period, if applicable. In addition, the Customer shall remain
liable for shortfall charges (if any) incurred prior to the effective date of
discontinuance, and any other charges and liabilities.

6.5  OTHER REQUIREMENTS

The Customer shall subscribe to AT&T Telecommunications services for at least
90% of the Customer's Interexchange telecommunications requirements, as measured
by Customer's total Interexchange telecommunications expenditures on an annual
basis beginning as of the start of the Attachment Term. However, this
requirement shall not (1) require Customer to breach any contract which exists
as of the date the Customer orders service under this Attachment, or (2) prevent
the Customer from obtaining from other Interexchange carriers, at any time
during the Term of this Attachment, those telecommunications service(s) or
technologies desired at a Customer location but which are unavailable from AT&T.
If the Customer fails to satisfy this requirement during any year of the Term of
this Attachment, the Customer will be billed an amount equal to the greater of
(i) 10% of the charges under this Attachment, after the application of any
discounts or (ii) 10% of the applicable MARC. Any such bill must be paid by the
Customer within 30 days. This charge will not apply to items 1 and 2 of this
paragraph.

6.6  AVAILABILITY

This Attachment is available only to Customers who:

(1)  order this Attachment only once, either by the Customer or any Affiliate of
     the Customer, which is any entity that controls, is controlled by or is
     under common control with the Customer; and

(2)  order this Attachment within 30 days after the effective date of this
     Attachment for initial installation of the Services/Offers Provided under
     this Attachment within 30 days after the date ordered.

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