Document:

Exhibit 10.2

                           EXECUTIVE SERVICES CONTRACT

      THIS EXECUTIVE  SERVICES CONTRACT  ("AGREEMENT") is made as of the 1st day
of January 2005

A M O N G:

                              1078459 ONTARIO INC.,
                   a corporation incorporated pursuant to the
                                 laws of Ontario

                    (hereinafter referred to as "ServiceCo")

                                     - and -

                        DEVINE ENTERTAINMENT CORPORATION
                   a corporation incorporated pursuant to the
                                 laws of Ontario

                 (hereinafter referred to as the "Corporation")

                                     - and -

                                DAVID B. DEVINE,
                  of the City of Toronto in the Municipality of
                 Metropolitan Toronto in the Province of Ontario

                      (hereinafter referred to as "David")

                                     - and -

                                 RICHARD MOZER,
                  of the City of Toronto in the Municipality of
                 Metropolitan Toronto in the Province of Ontario

                     (hereinafter referred to as "Richard")

      WHEREAS  the  Corporation  is a  Canadian-based  developer,  producer  and
distributor  of  high-quality  children's  and  family  films for the  worldwide
television and cable markets, and international home video markets;

      AND WHEREAS David and Richard are the sole  shareholders  and employees of
ServiceCo and are  individuals  knowledgeable  in the film and video  production
industry;
<PAGE>
                                     - 2 -

      AND WHEREAS the Corporation  wishes to engage ServiceCo to perform certain
services on its behalf,  and in  particular  to provide to the  Corporation  the
services of David and Richard as the  Corporation's  senior executive  officers,
and ServiceCo wishes to perform such services for the Corporation;

      NOW THEREFORE  THIS  AGREEMENT  WITNESSETH  that in  consideration  of the
mutual   covenants   contained   hereinafter,   and  other  good  and   valuable
consideration,  the receipt and sufficiency of which are hereby acknowledged, it
is hereby agreed as follows:

                                   ARTICLE 1

                                    SERVICES

1.01 Engagement. The Corporation hereby engages ServiceCo to perform and provide
certain  services  on its  behalf in  accordance  with the terms and  conditions
contained in this Agreement,  and ServiceCo hereby agrees to perform and provide
such services.

1.02 Services.  It is understood by the parties hereto that  ServiceCo,  through
the  provision of the services of David and Richard,  shall  perform and provide
senior  management  services to the  Corporation.  ServiceCo  shall  provide the
services  of  David  as  the  President  and  Chief  Executive  Officer  of  the
Corporation,  and the  services  of  Richard  as  Chief  Financial  Officer  and
Secretary  of the  Corporation  in each case on a  full-time  basis  (subject to
vacation entitlement in a quantum customarily provided by the Corporation to its
senior  executives).  The services of the President  and of the Chief  Financial
Officer  may include  production,  direction,  writing  and similar  activities,
depending upon the needs of the Corporation and the  availability of Richard and
David from time to time.  ServiceCo shall, and shall cause Richard and David to,
well and faithfully  serve the Corporation and use their best efforts to promote
the interests of the Corporation during the term of this Agreement.

1.03  Powers and  Duties of the  President.  Unless  otherwise  provided  in the
Corporation's  By-Laws,  as  amended  from time to time,  the  President  of the
Corporation  shall be the Chief  Executive  Officer of the Corporation and shall
have  general  supervision  of the  affairs  of  the  Corporation  and  ultimate
decision-making power concerning all matters not requiring approval of the board
of  directors  (the  "Board")  of  the   Corporation  or  the   shareholders  of
Corporation,  including,  without limitation,  the making of decisions as to the
specific projects to be undertaken by the Corporation.

1.04  Powers and Duties of the Chief  Financial  Officer and  Secretary.  Unless
otherwise provided in the Corporation's  By-Laws,  as amended from time to time,
the Chief  Financial  Officer shall have such duties and exercise such powers as
the Board may from time to time prescribe.  Unless  otherwise  determined by the
Board or provided in the  Corporation's  By-Laws,  as amended from time to time,
the  Secretary of the  Corporation  shall  attend,  and be the secretary of, all
meetings of the Board,  shareholders  and committees of the Board. The Secretary
of the Corporation shall enter, or cause to be entered, in records kept for that
purpose  minutes of all proceedings at meetings of the Board,  the  shareholders
and committees of the Board,  whether or not he attends such meetings.  He shall
give or cause to be given,  as and when  instructed,  all notices to  directors,
shareholders, auditors and members of committees of the Board. He shall be
<PAGE>
                                     - 3 -

the custodian of the stamp or mechanical  device generally used for affixing the
corporate seal of the Corporation and of all books, papers,  records,  documents
and instruments belonging to the Corporation,  except when some other officer or
agent has been  appointed for that purpose,  and he shall have such other powers
and duties as otherwise may be specified.

1.05 Reporting.  ServiceCo  shall,  and shall cause Richard and David to, comply
with all lawful and  reasonable  orders  given to them by, and shall supply such
information  and reports as may from time to time be  requested  of them to, the
Board or any person or committee designated by the Board.

                                   ARTICLE 2

                                TERM OF AGREEMENT

2.01  Commencement.  This Agreement  shall commence as of the date first written
above (the "Effective Date").

2.02 Term.  Subject to earlier  termination as provided in Article 5 herein, the
duration of this Agreement shall be for a period of three (3) years,  commencing
as of the Effective Date.

                                   ARTICLE 3

                                FEE FOR SERVICES

3.01 Base Fee.  During the term of this  Agreement,  the base fee payable by the
Corporation to ServiceCo for the services performed and provided by it hereunder
shall be  determined  by the Board or by a  compensation  committee of the Board
(the  "Committee")  appointed in accordance with the Corporation's  By-Laws,  as
amended  from time to time.  In making  payments  to  ServiceCo  hereunder,  the
Corporation  shall  endeavor  to first  source  such  payments  out of funds the
Corporation  may then have available for the development and production of films
and videos in a manner that will allow the  Corporation  to qualify for Canadian
federal and  provincial  labor tax credits for salaries  paid to  producers  and
directors of qualifying productions.

3.02 Bonus Entitlement. In addition to its base fee entitlement, ServiceCo shall
be entitled to additional fees and/or  equity-based  incentives in consideration
of the services performed and provided by it, as determined to be appropriate by
the Board or Committee in view of any (i) bonus paid by the  Corporation  to its
senior  executives  or (ii) film or video  development  and  production  project
undertaken by the Corporation.

3.03  Benefits.  David and Richard  shall be  permitted  to  participate  in any
incentive  compensation,  vacation,  medical,  dental,  pension, life insurance,
disability  insurance and other  employee  benefit plans and programs  generally
maintained at the Corporation from time to time and offered to the Corporation's
employees generally or executive officers.

3.04  Assignment.  ServiceCo  shall have the right to assign all or a portion of
its  right  to  receive  any  cash  or  non-cash  consideration  payable  by the
Corporation under this Agreement to David and/or Richard.
<PAGE>
                                     - 4 -

3.05 Expenses. The Corporation shall reimburse ServiceCo,  David and Richard for
all ordinary and necessary business expenses  reasonably  incurred in connection
with the services performed and provided hereunder.

                                   ARTICLE 4

                                   TERMINATION

4.01  Termination by the Corporation for Cause.  The Corporation may at any time
for Cause (as such  term is  hereinafter  defined),  by  notice  in  writing  to
ServiceCo,  forthwith terminate this Agreement without any liability  whatsoever
to the Corporation or to any of its affiliates or subsidiaries.  For purposes of
this  Agreement,  the term  "Cause"  means the (i)  conviction  of David  and/or
Richard for any (a) felony under the laws of the United States of America or any
state thereof or (b) felony under the federal laws of Canada or provincial  laws
of Ontario, in either case, involving moral turpitude (e.g., embezzlement) which
results in demonstrable, material harm to the business or financial condition of
the  Corporation  or (ii)  willful  neglect,  failure or refusal of David and/or
Richard to carry out his or their  duties  owing to the  Corporation  hereunder,
which  results in  demonstrable,  material  harm to the  business  or  financial
condition  of the  Corporation  and which  willful  neglect,  failure or refusal
continues for a period of thirty (30)  consecutive days following the receipt by
David  and/or  Richard,  as  the  case  may  be,  of  written  notice  from  the
Corporation;  provided,  however,  that (y) such  willful  neglect,  failure  or
refusal  is not due to the  death  or  Permanent  Disability  (as  such  term is
hereinafter  defined) of David  and/or  Richard,  as the case may be, or illness
leading to the death or Permanent  Disability  of David and/or  Richard,  as the
case may be, and (z) any  termination  of the employment of David and/or Richard
pursuant  to  clause  (ii) of this  sentence  shall  be  based  on a good  faith
determination by the Board of the facts and  circumstances  associated with such
termination  after  giving  David  and/or  Richard,  as  the  case  may  be,  an
opportunity to appear before the Board with his or their  attorney(s) to present
any reasons why David and/or Richard,  as the case may be, believe(s) he or they
should not be terminated  for Cause.  For purposes of this  Agreement,  the term
"Permanent Disability" means, with respect to each of David and Richard, that he
has been or will be unable to perform the  essential  functions of his position,
with or without  reasonable  accommodation,  by reason of a  physical  or mental
impairment  that  is  reasonably  expected  to be  permanent  or that  has  been
continuing  for a period of at least four (4)  months in any  twelve  (12)-month
period.

4.02 Termination by the Corporation  Without Cause.  The Corporation  shall have
the right to forthwith terminate this Agreement without Cause in accordance with
this Section 4.02. In the event that the  Corporation  terminates this Agreement
without Cause,  the Corporation  shall continue to pay to ServiceCo its base fee
entitlement as provided in Section 3.01 above until the expiry of the greater of
(i) the  remaining  term of this  Agreement  or (ii)  eighteen  (18) months (the
"Termination Payment").

4.03 Liquidated Claim.  ServiceCo and the Corporation agree that the Termination
Payment stipulated  hereunder shall constitute a reasonable  estimate of damages
incurred in the event of termination of this Agreement without Cause and that in
no event shall the Termination Payment be construed as a penalty.
<PAGE>
                                     - 5 -

4.04 Release. ServiceCo agrees that any payment made by the Corporation pursuant
to this Article 4 shall be in full and final settlement of any and all manner of
actions,  causes of action, suits, claims and demands whatsoever which it has or
may have against the  Corporation,  its affiliates or  subsidiaries,  and any of
their directors, officers, employees and their successors and assigns. ServiceCo
shall cause Richard and David to promptly resign any and all  directorships  and
offices which they may have with the Corporation at the Corporation's request in
the event this Agreement is terminated.

4.05  Confidentiality of Settlement.  Any settlement  pursuant to this Article 4
shall be kept  confidential  and shall not be disclosed by (i)  ServiceCo to any
person,  corporation,  group or  organization  whatsoever  with the exception of
Richard, David and ServiceCo's legal, accounting and financial advisors and (ii)
the Corporation to any person,  corporation,  group or  organization  whatsoever
other than (a) its legal,  accounting  and financial  advisors and (b) as may be
required under applicable securities laws.

                                   ARTICLE 5

                            CONFIDENTIAL INFORMATION

5.01 Confidential Information. Except as may otherwise be required by applicable
law or a court of competent  jurisdiction,  ServiceCo  hereby  agrees to, and to
cause Richard and David to,  maintain in  confidence  and not to disclose to any
person, corporation,  group or organization whatsoever,  during the term of this
Agreement and after its  termination,  any  information  respecting the business
affairs, prospects,  operations, strategic plans, confidential information, data
and trade secrets  respecting the  Corporation or its affiliates or subsidiaries
gained in the course of the services provided under this Agreement or otherwise,
and not otherwise publicly available or disclosed.

                                    ARTICLE 6

                            NON-COMPETITION COVENANTS

6.01 Non-Competition.  Notwithstanding termination of this Agreement, whether or
not for  Cause,  ServiceCo,  Richard  and David  shall not engage in any line of
business  similar  to  that  now  carried  on by the  Corporation  or any of its
affiliates  or  subsidiaries,  or engage in employment  for any person,  firm or
corporation in the same or any similar line of business within:

      (i)   North America; or failing that,

      (ii)  Canada; or failing that,

      (iii) Ontario and Quebec; or failing that,

      (iv)  Ontario; or failing that,

      (v)   the Regional Municipality of Metropolitan Toronto,

for a  period  of one  (1)  year  from  the  time of  such  termination  of this
Agreement,  except as  specifically  approved in writing by the  Corporation  in
advance of such activities.
<PAGE>
                                     - 6 -

6.02  Non-Solicitation.  For a  period  of one (1)  year  from  the time of such
termination of this Agreement,  ServiceCo,  Richard and David shall refrain from
interfering with the employment  arrangements  between the Corporation or any of
its  affiliates  or  subsidiaries  and their  employees  and will not in any way
solicit,  recruit,  hire,  assist  others in  recruiting  or hiring,  or discuss
employment  with any employees of the  Corporation  or any of its  affiliates or
subsidiaries and shall refrain from soliciting, contracting with, making regular
presentations  to or  otherwise  being  concerned  with  the  customers  of  the
Corporation or any of its affiliates or subsidiaries.

6.03 Time and Scope Reduction.  ServiceCo,  Richard and David agree that each of
the  covenants  set  out in  subarticles  6.01(i),  (ii),  (iii),  (iv)  and (v)
constitute  separate and distinct  covenants  and that if any should be adjudged
unreasonable in a proceeding  before a court of common  jurisdiction,  then same
shall be severed by elimination of such portion thereof deemed unreasonable,  so
that the  covenants  herein may be enforced in such manner as may be adjudged to
be reasonable.

                                   ARTICLE 7

                            MISCELLANEOUS PROVISIONS

7.01 Amendment and Waiver. No amendment, modification or waiver of any provision
of this  Agreement or consent to any departure by the parties from any provision
of this Agreement is effective unless it is in writing and signed by the parties
and then the amendment, modification, waiver or consent is effective only in the
specific instance and for the specific purpose for which it is given.

7.02  Further  Assurances.  ServiceCo  and the  Corporation  shall do,  execute,
acknowledge  and  deliver  or  cause  to be  done,  executed,  acknowledged  and
delivered  such further acts and  documents as shall be  reasonably  required to
accomplish the intention of this Agreement.

7.03 Applicable Law and  Jurisdiction.  This Agreement and all of the rights and
obligations arising herefrom shall be interpreted and applied in accordance with
the laws of the  Province of Ontario  and the courts of the  Province of Ontario
shall have  exclusive  jurisdiction  to determine all disputes  relating to this
Agreement  and all of the  rights and  obligations  created  hereby.  ServiceCo,
Richard, David and the Corporation hereby irrevocably attorn to the jurisdiction
of the courts of the Province of Ontario.

7.04 Prohibitive Provisions.  In the event that any provision or any part of any
provision  hereof is deemed to be invalid by reason of the  operation of any law
or by reason of the  interpretation  placed  thereon by a court,  this Agreement
shall be construed as not  containing  such  provision or part of such provision
and the  invalidity of such provision or such part shall not affect the validity
of any other  provision or the  remainder of such  provision  hereof.  All other
provisions  hereof  which are  otherwise  lawful and valid shall  remain in full
force and effect.
<PAGE>
                                     - 7 -

7.05 Notice Provisions.

            (a)   Except as otherwise  expressly  provided  herein,  all notices
                  shall be in writing  and  either  delivered  personally  or by
                  registered  or  certified  mail,   telex,   telegram,   cable,
                  reputable overnight courier or telecopier.  In the case of the
                  Corporation,  notice shall be delivered to the Chief Executive
                  Officer  at the  Corporation's  head  office.  In the  case of
                  ServiceCo,  notice  shall be  delivered  to the  most  current
                  residence  address of each of  Richard  and David on file with
                  the Corporation.

            (b)   Any notice  which is delivered  personally  shall be effective
                  when  delivered  and any notice  which is  delivered by telex,
                  telecopier,  cable,  reputable  overnight  courier or telegram
                  shall be effective on the  business day  following  the day of
                  sending.

            (c)   Any notice given by telex, telecopier, cable or telegram shall
                  immediately be confirmed by registered or certified mail.

7.06 Entire Agreement. This Agreement constitutes the entire agreement among the
parties as to the matters dealt with herein.  There are not and shall not be any
oral statements, representations, warranties, undertakings or agreements between
the parties. This Agreement may not be amended or modified in any respect except
in accordance with Section 7.01 above.

7.07 Binding Effect. This Agreement and all of its provisions shall enure to the
benefit  of  and be  binding  upon  the  parties  hereto  and  their  respective
successors and permitted assigns.

7.08 Assignment.  This Agreement may not be assigned by any party hereto without
the prior  consent in writing of the other parties  hereto,  except that (i) the
Corporation  may  assign  this  Agreement  without  such  consent  to any of its
subsidiaries or affiliates  provided that it agrees to guarantee such assignee's
obligations  hereunder  and (ii)  ServiceCo  may assign its rights to the extent
provided in Section 3.04 above without such consent.
<PAGE>
                                     - 8 -

      IN WITNESS  WHEREOF the parties  hereto have executed and  delivered  this
Agreement or caused this  Agreement to be executed and  delivered as of the date
first above written.

SIGNED, SEALED AND DELIVERED
in the presence of:

/s/ Sharon Hicks                                /s/ David B. Devine
-------------------                             -------------------
(Witness)                                       David B. Devine

/s/ Sharon Hicks                                /s/ Richard Mozer
-------------------                             -------------------
(Witness)                                       Richard Mozer

                                                1078459 ONTARIO INC.

                                                Per: /s/ David B. Devine
                                                     -------------------

                                                Per: /s/ Richard Mozer
                                                     -------------------

                                                DEVINE ENTERTAINMENT CORPORATION

                                                Per: /s/ /David B. Devine
                                                     -------------------

                                                Per: /s/ Richard Mozer
                                                     -------------------<PAGE>

                                                                     EXHIBIT 4.1
                                                                  EXECUTION COPY

--------------------------------------------------------------------------------

                       ADVANTA BUSINESS CARD MASTER TRUST

                                    as Issuer

                                       and

                      DEUTSCHE BANK TRUST COMPANY AMERICAS

                              as Indenture Trustee

                         CLASS A(2005-A1) TERMS DOCUMENT

                            dated as of May 24, 2005

                                       to

                       ADVANTASERIES INDENTURE SUPPLEMENT

                          dated as of November 1, 2004

                                       to

                                    INDENTURE

                           dated as of August 1, 2000

--------------------------------------------------------------------------------

<PAGE>

                                TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                                                             PAGE
<S>                                                                                                          <C>
                                                 ARTICLE I
                          Definitions and Other Provisions of General Application

Section 1.01  Definitions.................................................................................     3

Section 1.02  Governing Law...............................................................................     6

Section 1.03  Counterparts................................................................................     6

Section 1.04  Ratification of Master Indenture and AdvantaSeries Indenture Supplement.....................     6

                                                ARTICLE II
                                  The Class A(2005-A1) Asset Backed Notes

Section 2.01  Creation and Designation....................................................................     7

Section 2.02  Interest Payment............................................................................     7

Section 2.03  Determination of One-Month LIBOR............................................................     7

Section 2.04  Required Deposits of Available Principal Collections to the Principal Funding Account;
              Payment of Principal........................................................................     8

Section 2.05  Holders' Rights to Payments of Interest and Principal.......................................     9

Section 2.06  Cash Collateral Account.....................................................................     9

Section 2.07  Spread Account..............................................................................     9

Section 2.08  Delivery and Payment for the Class A(2005-A1) Notes; Form and Denomination..................     9

Section 2.09  Manner of Payment of Class A(2005-A1) Notes.................................................    10

Section 2.10  Monthly Servicing Fee.......................................................................    10
</TABLE>

                                      -2-

<PAGE>

      CLASS A(2005-A1) TERMS DOCUMENT, dated as of May 24, 2005 (the "TERMS
DOCUMENT"), between WILMINGTON TRUST COMPANY, as Owner Trustee of ADVANTA
BUSINESS CARD MASTER TRUST, a common law trust organized and existing under the
laws of the State of Delaware (herein, the "ISSUER" or the "TRUST"), and
DEUTSCHE BANK TRUST COMPANY AMERICAS (formerly known as Bankers Trust Company),
a banking corporation organized and existing under the laws of the State of New
York, not in its individual capacity, but solely as indenture trustee (herein,
together with its successors in the trusts thereunder as provided in the Master
Indenture, (the "INDENTURE TRUSTEE")) under the Master Indenture, dated as of
August 1, 2000 (the "INDENTURE") between the Issuer and the Indenture Trustee.
This Terms Document supplements the AdvantaSeries Indenture Supplement, dated as
of November 1, 2004 (the "ADVANTASERIES INDENTURE SUPPLEMENT") between the
Issuer and the Indenture Trustee, which supplements the Indenture.

      Pursuant to this Terms Document, the Issuer shall create a new tranche of
Class A Notes and shall specify the principal terms thereof.

                                    ARTICLE I
             Definitions and Other Provisions of General Application

      Section 1.01 Definitions. For all purposes of this Terms Document, except
as otherwise expressly provided or unless the context otherwise requires:

            (1) the terms defined in this Article have the meanings assigned to
them in this Article, and include the plural as well as the singular;

            (2) all other terms used herein which are defined in the
AdvantaSeries Indenture Supplement or the Master Indenture, either directly or
by reference therein, have the meanings assigned to them therein;

            (3) all accounting terms not otherwise defined herein have the
meanings assigned to them in accordance with generally accepted accounting
principles and, except as otherwise herein expressly provided, the term
"generally accepted accounting principles" with respect to any computation
required or permitted hereunder means such accounting principles as are
generally accepted in the United States of America at the date of such
computation;

            (4) all references in this Terms Document to designated "Articles,"
"Sections" and other subdivisions are to the designated Articles, Sections and
other subdivisions of this Terms Document;

            (5) the words "herein," "hereof" and "hereunder" and other words of
similar import refer to this Terms Document as a whole and not to any particular
Article, Section or other subdivision;

            (6) in the event that any term or provision contained herein shall
conflict with or be inconsistent with any term or provision contained in the
AdvantaSeries Indenture Supplement, the Master Indenture or the Transfer and
Servicing Agreement, the terms and provisions of this Terms Document shall be
controlling;

                                      -3-

<PAGE>

            (7) each capitalized term defined herein shall relate only to the
Class A(2005-A1) Notes and no other Tranche of Notes issued by the Issuer; and

            (8) "including" and words of similar import will be deemed to be
followed by "without limitation."

      "Accumulation Amount" shall mean, for any Payment Date occurring during
the Accumulation Period, $31,250,000; provided, however, that if the
Accumulation Period Length is determined to be less than 8 months pursuant to
Section 2.04(b), the Accumulation Amount for each Payment Date with respect to
the Accumulation Period will be equal to (i) the Outstanding Principal Balance
of the Class A(2005-A1) Notes divided by (ii) the Accumulation Period Length.

      "Accumulation Deposit Amount" means, for any Payment Date occurring during
the Accumulation Period, an amount equal to the sum of the Accumulation Amount
for such Payment Date and any existing Accumulation Shortfall.

      "Accumulation Period" shall mean, unless a Pay Out Event shall have
occurred prior thereto, the period commencing at the close of business on August
31, 2007, or such later date as is determined in accordance with Section
2.04(b), and ending on the first to occur of (a) the commencement of the Early
Amortization Period, (b) the payment in full of the Outstanding Principal
Balance of the Class A(2005-A1) Notes and (c) the Class A(2005-A1) Final
Maturity Date.

      "Accumulation Period Factor" shall mean, for the purpose of calculating
the Accumulation Period Length for the Class A(2005-A1) Notes, with respect to
any Monthly Period, a fraction, the numerator of which is equal to the sum of
the initial invested amounts (or, if no initial invested amount is defined in
the applicable Indenture Supplement, then the initial principal balance) of all
outstanding Series, and the denominator of which is equal to the sum of (a) the
Initial Principal Balance of Class A(2005-A1) Notes, (b) the initial invested
amounts (or, if no initial invested amount is defined in the applicable
Indenture Supplement, then the initial principal balance) of all other
Outstanding Classes and Tranches (without duplication) (other than the
AdvantaSeries Class A(2005-A1) Notes) which are not expected to be in their
revolving periods, and (c) the initial invested amounts (or, if no initial
invested amount is defined in the applicable Indenture Supplement, then the
initial principal balance) of all other Outstanding Classes and Tranches
(without duplication) (other than the AdvantaSeries Class A(2005-A1) Notes)
which are not allocating Shared Principal Collections to other Series and are in
their revolving periods; provided, however, that this definition may be changed
at any time if the Rating Agency Condition is satisfied.

      "Accumulation Period Length" means the number of whole months such that
the sum of the Accumulation Period Factors for each month during such period
will be equal to or greater than the Required Accumulation Factor Number;
provided, however, that the Accumulation Period Length will not be determined to
be less than one month; provided further, however, that the determination of the
Accumulation Period Length may be changed at any time if the Rating Agency
Condition is satisfied.

                                      -4-

<PAGE>

      "Accumulation Shortfall" shall mean (a) on the first Payment Date during
the Accumulation Period, zero and (b) on each subsequent Payment Date during the
Accumulation Period, the excess, if any, of the Accumulation Deposit Amount for
the previous Payment Date over the amount deposited into the Principal Funding
Account pursuant to Section 2.04(b) for the previous Payment Date.

      "AdvantaSeries Indenture Supplement" means the AdvantaSeries Indenture
Supplement dated as of November 1, 2004, by and between the Issuer and the
Indenture Trustee, as amended and supplemented from time to time.

      "Class A(2005-A1) Final Maturity Date" means April 20, 2011.

      "Class A(2005-A1) Note" means any Note substantially in the form set forth
in Exhibit A-1 to the AdvantaSeries Indenture Supplement, designated therein as
a Class A(2005-A1) Asset Backed Note and duly executed and authenticated in
accordance with the Master Indenture.

      "Class A(2005-A1) Noteholder" means a Person in whose name a Class
A(2005-A1) Note is registered in the Note Register.

      "Class A(2005-A1) Note Interest Rate" means a rate per annum equal to 0.07
% in excess of One-Month LIBOR as determined by the Indenture Trustee on the
related LIBOR Determination Date with respect to each Interest Period.

      "Class A(2005-A1) Termination Date" means the earliest to occur of (a) the
Principal Payment Date on which the Outstanding Principal Balance of the Class
A(2005-A1) Notes is paid in full, (b) the Class A(2005-A1) Final Maturity Date
and (c) the date on which the Master Indenture is discharged and satisfied
pursuant to Article XI thereof.

      "Closing Date" means May 24, 2005.

      "Expected Final Principal Payment Date" means May 20, 2008.

      "Initial Principal Balance" means $250,000,000.

      "Interest Payment Date" means the scheduled due date of any payment of
interest on the Class A(2005-A1) Notes, which shall be each Payment Date. The
first Interest Payment Date shall be June 20, 2005.

      "LIBOR Determination Date" shall mean (a) with respect to the first
Interest Payment Date, (i) May 20, 2005 for the period from and including the
Closing Date through and including June 19, 2005 and (b) with respect to any
Interest Payment Date after the first Interest Payment Date, the second London
Business Day prior to the commencement of the related Interest Period.

      "London Business Day" means any Business Day on which dealings in deposits
in United States Dollars are transacted in the London interbank market.

      "Master Indenture" means the Master Indenture dated as of August 1, 2000,
by and between the Issuer and the Indenture Trustee, as amended and supplemented
from time to time.

                                      -5-

<PAGE>

      "One-Month Index Maturity" means a maturity of one month commencing on the
related LIBOR Determination Date.

      "One-Month LIBOR" means, for any Interest Period, the London interbank
offered rate for one month United States dollar deposits determined by the
Indenture Trustee on the LIBOR Determination Date for such Interest Period in
accordance with the provisions of Section 2.03.

      "Paying Agent" means Deutsche Bank Trust Company Americas.

      "Reference Banks" means three major banks in the London interbank market
selected by the Servicer.

      "Required Accumulation Factor Number" shall be equal to a fraction,
rounded upwards to the nearest whole number, the numerator of which is one and
the denominator of which is equal to the lowest monthly principal payment rate
on the Accounts, expressed as a decimal, for the twelve months preceding the
date of such calculation; provided, however, that this definition may be changed
at any time if the Rating Agency Condition is satisfied.

      "Telerate Page 3750" means the display page currently so designated on the
Moneyline Telerate Service (or such other page as may replace that page on that
service for the purpose of displaying comparable rates or prices).

      Section 1.02 Governing Law. THIS TERMS DOCUMENT WILL BE CONSTRUED IN
ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, INCLUDING
SECTION 5-1401 OF THE GENERAL OBLIGATION LAW, WITHOUT REFERENCE TO ITS CONFLICT
OF LAW PROVISIONS AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES
HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

      Section 1.03 Counterparts. This Terms Document may be executed in any
number of counterparts, each of which so executed will be deemed to be an
original, but all such counterparts will together constitute but one and the
same instrument.

      Section 1.04 Ratification of Master Indenture and AdvantaSeries Indenture
Supplement. As supplemented by this Terms Document, each of the Master Indenture
and the AdvantaSeries Indenture Supplement is in all respects ratified and
confirmed and the Master Indenture as so supplemented by the AdvantaSeries
Indenture Supplement and this Terms Document shall be read, taken and construed
as one and the same instrument.

                               [END OF ARTICLE I]

                                      -6-

<PAGE>

                                   ARTICLE II
                     The Class A(2005-A1) Asset Backed Notes

      Section 2.01 Creation and Designation. There is hereby created a tranche
of Class A Notes to be issued pursuant to the Master Indenture and the
AdvantaSeries Indenture Supplement to be known as the "AdvantaSeries Class
A(2005-A1) Asset Backed Notes."

      Section 2.02 Interest Payment. For each Interest Payment Date, the amount
of interest due and payable with respect to the Class A(2005-A1) Notes shall be
an amount equal to the product of (i) (A) a fraction, the numerator of which is
the actual number of days in the related Interest Period and the denominator of
which is 360, multiplied by (B) the Class A(2005-A1) Note Interest Rate in
effect with respect to the related Interest Period, multiplied by (ii) the
Outstanding Principal Balance of the Class A(2005-A1) Notes determined as of the
Record Date preceding the related Interest Payment Date. Any interest on the
Class A(2005-A1) Notes will be calculated on the basis of the actual number of
days in the related Interest Period and a 360-day year.

      Section 2.03 Determination of One-Month LIBOR.

      (a) On each LIBOR Determination Date, the Indenture Trustee shall
determine One-Month LIBOR on the basis of the rate for deposits in United States
dollars having a One-Month Index Maturity which appears on Telerate Page 3750 as
of 11:00 a.m., London time, on such date. If such rate does not appear on
Telerate Page 3750, One-Month LIBOR for that LIBOR Determination Date shall be
determined on the basis of the rates at which deposits in United States dollars,
having a One-Month Index Maturity and in an amount of not less than $1,000,000,
are offered by the Reference Banks at approximately 11:00 a.m., London time, on
that day to prime banks in the London interbank market. The Indenture Trustee
shall request the principal London office of each of the Reference Banks to
provide a quotation of its rate. If at least two (2) such quotations are
provided, One-Month LIBOR for that LIBOR Determination Date shall be the
arithmetic mean of the quotations. If fewer than two (2) quotations are provided
as requested, One-Month LIBOR for that LIBOR Determination Date will be the
arithmetic mean of the rates quoted by major banks in New York City, selected by
the Servicer, at approximately 11:00 a.m., New York City time, on that day for
loans in United States dollars to leading European banks having a One-Month
Index Maturity and in an amount of not less than U.S. $1,000,000; provided,
that, if the banks selected by the Servicer are not quoting such rates,
One-Month LIBOR in effect for the applicable Interest Period will be the same as
One-Month LIBOR for the immediately preceding Interest Period.

      (b) The Class A(2005-A1) Note Interest Rate applicable to the then current
and the immediately preceding Interest Periods may be obtained by telephoning
the Indenture Trustee at its corporate trust office at (800) 735-7777 or such
other telephone number as shall be designated by the Indenture Trustee for such
purpose by prior written notice by the Indenture Trustee to each Noteholder from
time to time.

      (c) On each LIBOR Determination Date, the Indenture Trustee shall send to
the Transferor, by facsimile or electronic transmission, notification of
One-Month LIBOR for the following Interest Period.

                                      -7-

<PAGE>

      Section 2.04 Required Deposits of Available Principal Collections to the
Principal Funding Account; Payment of Principal. With respect to any Payment
Date, the amount to be deposited in the Principal Funding Sub-Account pursuant
to Section 4.16 of the AdvantaSeries Indenture Supplement will be the amount
determined pursuant to clause (a), (b), (c) or (d) below for such Payment Date,
as applicable, or if more than one such clause is applicable, the highest amount
determined pursuant to any one of such clauses; provided, however, in no case
shall the amount required to be deposited exceed the Class A(2005-A1) Adjusted
Invested Amount (calculated immediately before giving effect to such deposit but
after giving effect to any Investor Charge-Offs and any reallocations of
principal on such date).

      (a) Revolving Period. On each Payment Date during the Revolving Period,
the required deposit to the Principal Funding Sub-Account for the Class
A(2005-A1) Notes will be zero.

      (b) Accumulation Period. On each Payment Date during the Accumulation
Period, the required deposit to the Principal Funding Sub-Account for the Class
A(2005-A1) Notes will be the Accumulation Deposit Amount for such Payment Date.
The Accumulation Period is scheduled to commence at the close of business on
August 31, 2007; provided, however, that, if the Accumulation Period Length is
less than 8 months, the date on which the Accumulation Period actually commences
will be delayed to the first Business Day of the month that is the number of
whole months prior to the Expected Final Principal Payment Date which is at
least equal to the Accumulation Period Length and, as a result, the number of
Monthly Periods in the Accumulation Period will at least equal the Accumulation
Period Length. On the Determination Date twelve (12) months prior to the
Expected Final Principal Payment Date and each Determination Date thereafter
until the Accumulation Period begins, the Servicer shall determine the
Accumulation Period Length.

      (c) Early Amortization Period. On each Payment Date during an Early
Amortization Period, the required deposit to the Principal Funding Sub-Account
for the Class A(2005-A1) Notes will be the Adjusted Invested Amount for the
Class A(2005-A1) Notes as of the close of business on the last day of the
preceding Monthly Period (after taking into account any reductions or increases
occurring on such date).

      (d) Coverage Funding of the Principal Funding Account of Senior Classes.
If the Transferor determines as of the end of the related Monthly Period that,
after giving effect to all allocations and payments with respect to that Monthly
Period, the Coverage Funding Required Amount of the Class A(2005-A1) Notes will
be greater than zero, the required deposit to the Principal Funding Sub-Account
for the Class A(2005-A1) Notes will be the Coverage Funding Required Amount for
such Class A(2005-A1) Notes.

      (e) Distributions to Paying Agent. On each Principal Payment Date, the
Indenture Trustee, acting in accordance with written instructions from the
Servicer, shall withdraw from the Principal Funding Sub-Account for the Class
A(2005-A1) Notes and distribute to the Paying Agent for payment to the Class
A(2005-A1) Noteholders the amounts deposited into the Principal Funding
Sub-Account for the Class A(2005-A1) Notes pursuant to this Section 2.04.

                                      -8-

<PAGE>

      Section 2.05 Holders' Rights to Payments of Interest and Principal.

      (a) Any installment of interest or principal, if any, payable on any Class
A(2005-A1) Note which is punctually paid or duly provided for by the Issuer and
the Indenture Trustee on the applicable Interest Payment Date or Principal
Payment Date shall be paid by the Paying Agent to the Person in whose name such
Class A(2005-A1) Note (or one or more Predecessor Notes) is registered on the
Record Date, by wire transfer of immediately available funds to such Person's
account as has been designated by written instructions received by the Paying
Agent from such Person not later than the close of business on the third
Business Day preceding the date of payment or, if no such account has been so
designated, by check mailed first-class, postage prepaid to such Person's
address as it appears on the Note Register on such Record Date, except that with
respect to Notes registered on the Record Date in the name of the nominee of
Cede & Co., payment shall be made by wire transfer in immediately available
funds to the account designated by such nominee.

      (b) The right of the Class A(2005-A1) Noteholders to receive payments from
the Issuer will terminate on the first Business Day following the Class
A(2005-A1) Termination Date.

      Section 2.06 Cash Collateral Account. In accordance with Section 4.22(a)
of the AdvantaSeries Indenture Supplement, on or prior to the Closing Date, the
Transferor shall deposit, cause to be deposited or maintain funds in the Cash
Collateral Account such that immediately after giving effect to the issuance of
the Class A(2005-A1) Notes, the amount on deposit in the Cash Collateral Account
for the AdvantaSeries is at least equal to the Required Cash Collateral Account
Amount.

      Section 2.07 Spread Account. In accordance with Section 4.24(a) of the
AdvantaSeries Indenture Supplement, on or prior to the Closing Date, the
Transferor shall deposit, cause to be deposited or maintain funds in the Spread
Account such that immediately after the issuance of the Class A(2005-A1) Notes,
the ratio of the amount on deposit in the Spread Account to the Required Spread
Account Amount is equal to or greater than the same ratio immediately preceding
such issuance.

      Section 2.08 Delivery and Payment for the Class A(2005-A1) Notes; Form and
Denomination.

      (a) The Issuer shall execute and issue, and the Indenture Trustee shall
authenticate, the Class A(2005-A1) Notes in accordance with Section 2.03 of the
Master Indenture. The Indenture Trustee shall deliver the Class A(2005-A1) Notes
to or upon the order of the Issuer when so authenticated. The Class A(2005-A1)
Notes shall be Book-Entry Notes.

      (b) The Depository for the Class A(2005-A1) Notes shall be The Depository
Trust Company, and the Class A(2005-A1) Notes shall initially be registered in
the name of Cede & Co., its nominee.

      (c) The Class A(2005-A1) Notes will be issued in minimum denominations of
$5,000 and integral multiples of $1,000 in excess of that amount.

                                      -9-

<PAGE>

      Section 2.09 Manner of Payment of Class A(2005-A1) Notes. Except as
provided in Section 11.02 of the Master Indenture with respect to a final
distribution, distributions to Class A(2005-A1) Noteholders hereunder shall be
made by (i) check mailed to each Class A(2005-A1) Noteholder (at such
Noteholder's address as it appears in the Note Register), except that with
respect to any Class A(2005-A1) Notes registered in the name of the nominee of a
Clearing Agency, such payment shall be made in immediately available funds and
(ii) without presentation or surrender of any Class A(2005-A1) Note or the
making of any notation thereon.

      Section 2.10 Monthly Servicing Fee. In accordance with Section 3.01(a) of
the AdvantaSeries Indenture Supplement, with respect to the June 20, 2005
Payment Date, the AdvantaSeries Monthly Servicing Fee allocated to the Class
A(2005-A1) Notes shall be $111,111.

                               [END OF ARTICLE II]

                                      -10-

<PAGE>

      IN WITNESS WHEREOF, the undersigned have caused this Terms Document to be
duly executed and delivered by their respective duly authorized officers on the
day and year first above written.

                                           WILMINGTON TRUST COMPANY,
                                                as Owner Trustee of
                                           ADVANTA BUSINESS CARD MASTER TRUST

                                           By: /s/ Dorri E. Wolhar
                                               -----------------------------
                                           Name: Dorri E. Wolhar
                                           Title: Financial Services Officer

                                           DEUTSCHE BANK TRUST COMPANY AMERICAS,
                                                as Indenture Trustee

                                           By: /s/ Peter T. Becker
                                               -----------------------------
                                           Name: Peter T. Becker
                                           Title: Vice President

               [Signature Page to Class A(2005-A1) Terms Document]

                                      -11-

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