Document:

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                                                                     EXHIBIT 4.5

                  WILMINGTON TRUST COMPANY, AS OWNER TRUSTEE OF
                       ADVANTA BUSINESS CARD MASTER TRUST

                                     Issuer

                                       and

                               ADVANTA BANK CORP.

                                  Administrator

                            ADMINISTRATION AGREEMENT

                           Dated as of August 1, 2000
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                                                 TABLE OF CONTENTS

<TABLE>
<CAPTION>
                                                                                                                    PAGE
<S>                                                                                                                 <C>
         1.       Duties of Administrator.........................................................................    2

         2.       Records.........................................................................................    6

         3.       Compensation....................................................................................    6

         4.       Additional Information to be Furnished to Issuer................................................    7

         5.       Independence of Administrator...................................................................    7

         6.       No Joint Venture................................................................................    7

         7.       Other Activities of Administrator...............................................................    7

         8.       Term of Agreement; Resignation and Removal of Administrator.....................................    7

         9.       Action upon Termination, Resignation or Removal.................................................    8

         10.      Notices.........................................................................................    8

         11.      Amendments......................................................................................    9

         12.      Successors and Assigns.........................................................................    10

         13.      GOVERNING LAW..................................................................................    10

         14.      Headings.......................................................................................    10

         15.      Counterparts...................................................................................    10

         16.      Severability...................................................................................    11

         17.      Not Applicable to ABC in Other Capacities......................................................    11

         18.      Limitation of Liability of Owner Trustee.......................................................    11

         19.      Third-Party Beneficiary........................................................................    11

         20.      Nonpetition Covenants..........................................................................    11

         21.      Successor Administrator........................................................................    11
</TABLE>

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         ADMINISTRATION AGREEMENT, dated as of August 1, 2000 (the
"Administration Agreement"), between WILMINGTON TRUST COMPANY, a Delaware
banking corporation, as owner trustee (the "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"), and ADVANTA BANK CORP., a Utah
industrial loan corporation ("ABC"), as administrator (herein, the
"Administrator").

                              W I T N E S S E T H :

         WHEREAS, the Issuer has entered into a Master Indenture, dated as of
August 1, 2000 (as amended, modified or supplemented from time to time in
accordance with the provisions thereof, the "Indenture"), between the Issuer and
Bankers Trust Company, a New York banking corporation, as indenture trustee (the
"Indenture Trustee") to provide for the issuance of its asset backed notes (the
"Notes");

         WHEREAS, the Issuer and the Owner Trustee have entered, and from time
to time in the future may enter, into certain agreements in connection with the
issuance of the Notes and of the beneficial ownership interest in the Issuer,
including, without limitation, (i) the Transfer and Servicing Agreement, dated
as of August 1, 2000 (as amended, modified or supplemented from time to time in
accordance with the provisions thereof, the "Transfer and Servicing Agreement"),
among Advanta Business Receivables Corp., as Transferor (the "Transferor"), ABC,
as Servicer (in such capacity, the "Servicer"), and the Issuer, (ii) the Trust
Agreement, dated as of August 1, 2000 (as amended, modified or supplemented from
time to time in accordance with the provisions thereof, the "Trust Agreement"),
(iii) one or more Letters of Representations (the "Letters of Representations"),
among the Issuer, the Indenture Trustee, and The Depository Trust Company, (iv)
one or more Indenture Supplements (as defined in the Indenture) and (v) the
Indenture (the Transfer and Servicing Agreement, the Letters of Representations,
the Trust Agreement, the Indenture and the Indenture Supplements, together with
any other agreements entered into by the Issuer or the Owner Trustee from time
to time in connection with the Notes and the beneficial ownership interest in
the Issuer, being hereinafter referred to collectively as the "Related
Agreements") (capitalized terms used herein and not defined herein shall have
the meanings assigned to such terms in the Transfer and Servicing Agreement, or
if not defined therein, in the Indenture or the Trust Agreement);

         WHEREAS, pursuant to the Related Agreements, the Issuer and the Owner
Trustee are required to perform certain duties in connection with (a) the Notes
and the collateral therefor pledged pursuant to the Indenture (the "Collateral")
and (b) the beneficial ownership interest in the Issuer (the holder of such
interest being referred to herein as the "Owner");

         WHEREAS, the Issuer and the Owner Trustee desire to have the
Administrator perform certain of the duties of the Issuer and the Owner Trustee
referred to in the preceding clause, and to provide such additional services
consistent with the terms of this Agreement and the Related Agreements as the
Issuer and the Owner Trustee may from time to time request;

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         WHEREAS, the Administrator has the capacity to provide the services
required hereby and is willing to perform such services for the Issuer and the
Owner Trustee on the terms set forth herein;

         NOW, THEREFORE, in consideration of the mutual covenants contained
herein, and other good and valuable consideration, the receipt and adequacy of
which are hereby acknowledged, the parties hereto agree as follows:

         1.       Duties of Administrator.

         (a)      Duties with Respect to the Related Agreements.

         The Administrator shall consult with the Owner Trustee regarding the
duties of the Issuer and the Owner Trustee under the Related Agreements. The
Administrator shall monitor the performance of the Issuer and shall advise the
Owner Trustee when action is necessary to comply with the Issuer's or the Owner
Trustee's duties under the Related Agreements. The Administrator shall prepare
for execution by the Issuer or the Owner Trustee or shall cause the preparation
by other appropriate persons of all such documents, reports, filings,
instruments, certificates and opinions as it shall be the duty of the Issuer or
the Owner Trustee to prepare, file or deliver pursuant to any Related Agreement.
In furtherance of the foregoing, the Administrator shall take all appropriate
action that it is the duty of the Issuer or the Owner Trustee to take pursuant
to the Indenture including, without limitation, such of the foregoing as are
required with respect to the following matters under the Indenture (references
are to sections of the Indenture):

                  (i) the preparation of or obtaining of the documents and
instruments required for authentication of the Notes, if any, and delivery of
the same to the Indenture Trustee (Section 2.03);

                  (ii) the duty to cause the Note Register to be kept, to
appoint a successor Transfer Agent and Registrar, if necessary, and to give the
Indenture Trustee notice of any appointment of a new Transfer Agent and
Registrar and the location, or change in location, of the Transfer Agent and
Registrar and Note Register (Section 2.05);

                  (iii) the preparation, obtaining or filing of the instruments,
opinions and certificates and other documents required for the release of
collateral (Sections 2.11 and 8.09);

                  (iv) the duty to direct the Indenture Trustee to deposit with
any Paying Agent the sums specified in the Indenture and the preparation of an
Issuer Order directing the investment of such funds in Eligible Investments
(3.03);

                  (v) the duty to cause newly appointed Paying Agents, if any,
to deliver to the Indenture Trustee the instrument specified in the Indenture
regarding funds held in trust (Section 3.03);

                  (vi) the direction to Paying Agents to pay to the Indenture
Trustee all sums held in trust by such Paying Agents (Section 3.03);

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                  (vii) the obtaining and preservation of the Issuer's
qualification to do business in each jurisdiction in which such qualification is
or shall be necessary to protect the validity and enforceability of the
Indenture, the Notes, the Collateral and each other related instrument and
agreement (Section 3.04);

                  (viii) the preparation of all supplements, amendments,
financing statements, continuation statements, if any, instruments of further
assurance and other instruments necessary to protect the Collateral (Section
3.05);

                  (ix) the obtaining of the Opinion of Counsel on the Closing
Date and the annual delivery of Opinions of Counsel as to the Collateral
(Section 3.06);

                  (x) the identification to the Indenture Trustee in an
Officer's Certificate of a Person with whom the Issuer has contracted to perform
its duties under the Indenture (Section 3.07(b));

                  (xi) the delivery of notice to the Indenture Trustee of the
occurrence of any Servicer Default of which the Issuer has knowledge and the
action, if any, the Issuer is taking in connection with such default (Section
3.07(d));

                  (xii) the delivery to the Indenture Trustee, within 120 days
after the end of each fiscal year of the Issuer of an Officer's Certificate with
respect to various matters relating to compliance with the Indenture (Section
3.09);

                  (xiii) the preparation and obtaining of documents,
certificates, opinions and instruments required in connection with the
consolidation or merger by the Issuer with or into any other Person or the sale
of the Issuer's assets substantially as an entirety to any Person (Section
3.10);

                  (xiv) the delivery of notice to the Indenture Trustee and the
Rating Agencies of (1) each Event of Default, (2) each default by the Servicer
or the Transferor under the Transfer and Servicing Agreement and (3) each
default by a Seller under a Receivables Purchase Agreement (Section 3.19);

                  (xv) the monitoring of the Issuer's obligations as to the
satisfaction and discharge of the Indenture and the preparation of an Officer's
Certificate and the obtaining of the Opinion of Counsel and the Independent
Certificate relating thereto (Section 4.01);

                  (xvi) the removal of the Indenture Trustee, if necessary and
in compliance with the Indenture, and the appointment of a successor (Section
6.08);

                  (xvii) the preparation of any written instruments required to
confirm more fully the authority of any co-trustee or separate trustee and any
written instruments necessary in connection with the resignation or removal of
any co-trustee or separate trustee (Section 6.10);

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                  (xviii) the furnishing to the Indenture Trustee of the names
and addresses of Noteholders after receipt of a written request therefor from
the Indenture Trustee (Section 7.01);

                  (xix) the preparation of various reports to be filed with the
Indenture Trustee and the Commission, as applicable (Section 7.03);

                  (xx) notifying the Indenture Trustee if and when the Notes are
listed on any stock exchange (Section 7.04);

                  (xxi) the opening of one or more accounts in the Trust's name
or on behalf of the Trust (Section 8.03);

                  (xxii) the preparation of an Issuer Order or Issuer Request
and Officer's Certificate and the obtaining of an Opinion of Counsel and
Independent Certificates, if necessary, for the release of the Collateral
(Sections 8.09 and 8.10);

                  (xxiii) the preparation of Issuer Orders and the obtaining of
Opinions of Counsel with respect to the execution of supplemental indentures and
the mailing to the Noteholders of notices with respect to such supplemental
indentures (Sections 10.01, 10.02 and 10.03);

                  (xxiv) the execution of new Notes conforming to any
supplemental indenture (Section 10.06);

                  (xxv) the preparation and delivery of all Officers'
Certificates and the obtaining of Opinions of Counsel and Independent
Certificates, if necessary, with respect to any requests by the Issuer to the
Indenture Trustee to take any action under the Indenture (Section 12.01(a));

                  (xxvi) the preparation and delivery of Officers' Certificates
and the obtaining of Independent Certificates, if necessary, for the release of
property from the lien of the Indenture (Section 12.01(b));

                  (xxvii) the preparation and delivery to Noteholders and the
Indenture Trustee of any agreements with respect to alternate payment and notice
provisions (Section 12.06);

                  (xxviii) compliance with the provisions of the Transfer and
Servicing Agreement applicable to the Issuer; and

                  (xxix) compliance with any reasonable directive of the
Indenture Trustee with respect to the exercise of any remedy if an Event of
Default shall have occurred and be continuing with respect to any Series and the
Notes of such Series shall have been accelerated pursuant to Section 5.03 of the
Indenture.

         (b)      Additional Duties.

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                  (i) In addition to the duties of the Administrator set forth
above, but subject to Section 1(c)(ii), the Administrator shall perform all
duties and obligations of the Issuer under the Related Agreements and shall
perform such calculations and shall prepare for execution by the Issuer and
shall cause the preparation by other appropriate persons of all such documents,
reports, filings, instruments, certificates and opinions as it shall be the duty
of the Issuer or the Owner Trustee to prepare, file or deliver pursuant to the
Related Agreements, and at the request of the Issuer shall take all appropriate
action that it is the duty of the Issuer or the Owner Trustee to take pursuant
to the Related Agreements. Subject to Section 1(c)(ii) and 5 of this Agreement,
and in accordance with the directions of the Issuer, the Administrator shall
administer, perform or supervise the performance of such other activities in
connection with the Collateral (including the Related Agreements) as are not
covered by any of the foregoing provisions and as are expressly requested by the
Owner Trustee and are reasonably within the capability of the Administrator.

                  (ii) The Administrator shall perform the duties of the
Transferor specified in Section 9.02 of the Trust Agreement required to be
performed in connection with the resignation or removal of the Owner Trustee,
and any other duties expressly required to be performed by the Transferor or the
Administrator under the Trust Agreement.

                  (iii) In carrying out the foregoing duties or any of its other
obligations under this Agreement, the Administrator may enter into transactions
with or otherwise deal with any of its Affiliates; provided, however, that the
terms of any such transactions or dealings shall be in accordance with any
directions received from the Issuer or the Owner Trustee and shall be, in the
Administrator's opinion, no less favorable to the Issuer than would be available
from unaffiliated parties.

                  (iv) It is the intention of the parties hereto that the
Administrator shall, and the Administrator hereby agrees to, prepare, file and
deliver on behalf of the Issuer all such documents, reports, filings,
instruments, certificates and opinions as it shall be the duty of the Issuer to
prepare, file or deliver pursuant to the Related Documents. In furtherance
thereof, the Owner Trustee shall, on behalf of the Issuer, execute and deliver
to the Administrator and its agents, and to each successor Administrator
appointed pursuant to the terms hereof, one or more powers of attorney
substantially in the form of Exhibit A hereto, appointing the Administrator the
attorney-in-fact of the Issuer for the purpose of executing on behalf of the
Issuer all such documents, reports, filings, instruments, certificates and
opinions.

                  (v) The Administrator shall indemnify, defend and hold
harmless the Owner Trustee and its successors, assigns, directors, officers,
agents, employees and servants from and against any and all Expenses (as defined
in the Trust Agreement), subject to the terms of Section 7.02 of the Trust
Agreement.

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         (c)      Non-Ministerial Matters.

                  (i) With respect to matters that in the reasonable judgment of
the Administrator are non-ministerial, the Administrator shall not take any
action unless within a reasonable time before the taking of such action, the
Administrator shall have notified the Owner Trustee of the proposed action and
the Owner Trustee shall not have withheld consent or provided an alternative
direction. For the purpose of the preceding sentence, "non-ministerial matters"
shall include, without limitation:

                  (A)      the amendment of or any supplement to the Indenture;

                  (B)      the initiation of any claim or lawsuit by the
                           Issuer and the compromise of any action, claim or
                           lawsuit brought by or against the Issuer (other than
                           in connection with the collection or enforcement of
                           the Collateral);

                  (C)      the amendment, change or modification of the Related
                           Agreements;

                  (D)      the appointment of successor Transfer Agents and
                           Registrars, successor Paying Agents and successor
                           Indenture Trustees pursuant to the Indenture or the
                           appointment of successor Administrators, or the
                           consent to the assignment by the Transfer Agent and
                           Registrar, Paying Agent or Indenture Trustee of its
                           obligations under the Indenture; and

                  (E)      the removal of the Indenture Trustee.

                  (ii)     Notwithstanding anything to the contrary in this
Agreement, the Administrator shall not be obligated to, and shall not, (x) make
any payments from its own funds to the Noteholders, the holders of Trust
Beneficial Interests or Certificates or any other Person under the Related
Agreements, (y) sell or foreclose upon the Collateral pursuant to Section 5.05
of the Indenture other than pursuant to a written directive of the Indenture
Trustee or (z) take any other action that the Issuer directs the Administrator
not to take on its behalf.

         2. Records. The Administrator shall maintain appropriate books of
account and records relating to services performed hereunder, which books of
account and records shall be accessible for inspection by the Issuer, the Owner
Trustee, the Indenture Trustee and the Transferor at any time during normal
business hours.

         3. Compensation. As compensation for the performance of the
Administrator's obligations under this Agreement, the Administrator shall be
entitled to $5,000 per month which shall be payable in accordance with the
applicable Indenture Supplement, to the extent provided for therein. The
Transferor shall be responsible for payment of the Administrator's fees (to the
extent not paid pursuant to the applicable Indenture Supplement) and shall
reimburse the Administrator for any of its liabilities and extra out-of-pocket
expenses related to its performance hereunder or under any Related Document.

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         4. Additional Information to be Furnished to Issuer. The Administrator
shall furnish to the Issuer from time to time such additional information
regarding the Collateral as the Issuer shall reasonably request.

         5. Independence of Administrator. For all purposes of this Agreement,
the Administrator shall be an independent contractor and shall not be subject to
the supervision of the Issuer or the Owner Trustee with respect to the manner in
which it accomplishes the performance of its obligations hereunder. Unless
expressly set forth herein or expressly authorized by the Issuer, the
Administrator shall have no authority to act for or represent the Issuer or the
Owner Trustee in any way and shall not otherwise be deemed an agent of the
Issuer or the Owner Trustee.

         6. No Joint Venture. Nothing contained in this Agreement shall (i)
constitute the Administrator and either of the Issuer or the Owner Trustee as
members of any partnership, joint venture, association, syndicate,
unincorporated business or other separate entity, (ii) be construed to impose
any liability as such on any of them or (iii) be deemed to confer on any of them
any express, implied or apparent authority to incur any obligation or liability
on behalf of the others.

         7. Other Activities of Administrator. Nothing herein shall prevent the
Administrator or its affiliates from engaging in other businesses or, in its
sole discretion, from acting in a similar capacity as an administrator for any
other person or entity even though such person or entity may engage in business
activities similar to those of the Issuer, the Owner Trustee or the Indenture
Trustee.

         8. Term of Agreement; Resignation and Removal of Administrator.

         (a) This Agreement shall continue in force until the termination of the
Issuer, upon which event this Agreement shall automatically terminate.

         (b) Subject to Section 8(e) and (f), the Administrator may resign its
duties hereunder by providing the Issuer with at least sixty (60) days prior
written notice.

         (c) Subject to Section 8(e) and (f), the Issuer may remove the
Administrator without cause by providing the Administrator with at least sixty
(60) days prior written notice.

         (d) Subject to Section 8(e) and (f), at the sole option of the Issuer,
the Administrator may be removed immediately upon written notice of termination
from the Issuer to the Administrator if any of the following events shall occur:

                  (i) the Administrator shall default in the performance of any
of its duties under this Agreement and, after notice of such default, shall not
cure such default within thirty (30) days (or, if such default cannot be cured
in such time, shall not give within thirty (30) days such assurance of cure as
shall be reasonably satisfactory to the Issuer);

                  (ii) a court having jurisdiction in the premises shall enter a
decree or order for relief, and such decree or order shall not have been vacated
within sixty (60) days, in respect of the

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Administrator in any involuntary case under any applicable bankruptcy,
insolvency or other similar law now or hereafter in effect or appoint a
receiver, conservator, liquidator, assignee, custodian, trustee, sequestrator or
similar official for the Administrator or any substantial part of its property
or order the winding-up or liquidation of its affairs; or

                  (iii) the Administrator shall commence a voluntary case under
any applicable bankruptcy, insolvency or other similar law now or hereafter in
effect, shall consent to the entry of an order for relief in an involuntary case
under any such law, or shall consent to the appointment of a receiver,
liquidator, assignee, trustee, custodian, sequestrator or similar official for
the Administrator or any substantial part of its property, shall consent to the
taking of possession by any such official of any substantial part of its
property, shall make any general assignment for the benefit of creditors, shall
admit in writing its inability to pay its debts generally as they become due or
shall fail generally to pay its debts as they become due.

         The Administrator agrees that if any of the events specified in clause
(ii) or (iii) of this Section 8(d) shall occur, it shall give written notice
thereof to the Issuer and the Indenture Trustee within seven (7) days after the
happening of such event.

         (e) No resignation or removal of the Administrator pursuant to this
Section 8 shall be effective until (i) a successor Administrator shall have been
appointed by the Issuer and (ii) such successor Administrator shall have agreed
in writing to be bound by the terms of this Agreement in the same manner as the
Administrator is bound hereunder.

         (f) The appointment of any successor Administrator shall be effective
only after satisfaction of the Rating Agency Condition with respect to the
proposed appointment.

         9. Action upon Termination, Resignation or Removal. Promptly upon the
effective date of termination of this Agreement pursuant to Section 8(a) or the
resignation or removal of the Administrator pursuant to Section 8(b), (c) or
(d), respectively, the Administrator shall be entitled to be paid all fees and
reimbursable expenses accruing to it to the date of such termination,
resignation or removal. The Administrator shall forthwith upon such termination
pursuant to Section 8(a) deliver to the Issuer all property and documents of or
relating to the Collateral then in the custody of the Administrator. In the
event of the resignation or removal of the Administrator pursuant to Section
8(b), (c) or (d), respectively, the Administrator shall cooperate with the
Issuer and take all reasonable steps requested to assist the Issuer in making an
orderly transfer of the duties of the Administrator.

         10. Notices. Any notice, report or other communication given hereunder
shall be in writing and addressed as follows:

         (a)      if to the Issuer or the Owner Trustee, to

                           Advanta Business Card Master Trust
                           c/o Wilmington Trust Company
                           Rodney Square North

                                       8
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                           1100 North Market Street
                           Wilmington, Delaware 19890-0001
                           Attention: Corporate Trust Administration

         (b)      if to the Administrator, to

                           Advanta Bank Corp.
                           11850 South Election Road
                           Draper, Utah 84020
                           Attn: Treasury Department

         (c)      if to the Indenture Trustee, to

                           Bankers Trust Company
                           Four Albany Street, 10th Floor
                           New York, New York 10006

         (d)      if to the Transferor, to

                           Advanta Business Receivables Corp.
                           639 Isbell Road, Suite 390
                           Reno, Nevada 89509
                           Attn: Treasury Department

or to such other address as any party shall have provided to the other parties
in writing. Any notice required to be in writing hereunder shall be deemed given
if such notice is mailed by certified mail, postage prepaid, or hand-delivered
to the address of such party as provided above, except that notices to the
Indenture Trustee, the Transferor, the Administrator or the Issuer are effective
only upon receipt.

         11. Amendments. This Agreement may be amended from time to time, by a
written amendment duly executed and delivered by the Issuer and the
Administrator, with the written consent of the Owner Trustee, without the
consent of any of the Noteholders, the Transferor or the Owner, to cure any
ambiguity, to correct or supplement any provisions in this Agreement or for the
purpose of adding any provisions to or changing in any manner or eliminating any
of the provisions of this Agreement or modifying in any manner the rights of the
Noteholders or Owner; provided, however, that (i) such amendment will not, as
evidenced by an Officer's Certificate of the Administrator addressed and
delivered to the Owner Trustee, materially and adversely affect the interests of
any Noteholder or the Owner and (ii) the Rating Agency Condition will have been
satisfied with respect to such amendment.

         This Agreement may also be amended from time to time, by a written
amendment duly executed and delivered by the Issuer and the Administrator, with
the written consent of the Owner Trustee, the Holders of Notes representing more
than 50% of the Outstanding Amount of each

                                       9
<PAGE>   12
adversely affected Series, the Transferor and the Owner, for the purpose of
adding any provisions to or changing in any manner or eliminating any of the
provisions of this Agreement or modifying in any manner the rights of
Noteholders or the Owner; provided, however, that, without the consent of the
Holders of all of the Notes then outstanding, no such amendment shall (a)
increase or reduce in any manner the amount of, or accelerate or delay the
timing of, collections of payments on the Collateral or distributions that are
required to be made for the benefit of the Noteholders or (b) reduce the
aforesaid portion of the Outstanding Amount of the Notes, the Holders of which
are required to consent to any such amendment.

         Prior to the execution of any such amendment or consent, the
Administrator shall furnish written notification of the substance of such
amendment or consent to each Rating Agency. Promptly after the execution of any
such amendment or consent, the Administrator shall furnish written notification
of the substance of such amendment or consent to the Indenture Trustee.

         It shall not be necessary for the consent of Noteholders pursuant to
this Section 11 to approve the particular form of any proposed amendment or
consent, but it shall be sufficient if such consent shall approve the substance
thereof.

         12. Successors and Assigns. This Agreement may not be assigned by the
Administrator unless such assignment is previously consented to in writing by
the Issuer, the Transferor and the Owner Trustee and subject to the satisfaction
of the Rating Agency Condition in respect thereof. An assignment with such
consent and satisfaction, if accepted by the assignee, shall bind the assignee
hereunder in the same manner as the Administrator is bound hereunder.
Notwithstanding the foregoing, this Agreement may be assigned by the
Administrator without the consent of the Issuer, the Transferor, the Owner
Trustee or the Rating Agencies to a corporation or other organization that is a
successor (by merger, consolidation or purchase of assets) to the Administrator,
provided that such successor organization executes and delivers to the Issuer,
the Transferor and the Owner Trustee an agreement in which such corporation or
other organization agrees to be bound hereunder by the terms of said assignment
in the same manner as the Administrator is bound hereunder. Subject to the
foregoing, this Agreement shall bind any successors or assigns of the parties
hereto.

         13. GOVERNING LAW. THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH
THE LAWS OF THE STATE OF NEW YORK, WITHOUT REFERENCE TO ITS CONFLICT OF LAWS
PROVISIONS AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER
SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS.

         14. Headings. The section headings hereof have been inserted for
convenience of reference only and shall not be construed to affect the meaning,
construction or effect of this Agreement.

         15. Counterparts. This Agreement may be executed in counterparts, each
of which when so executed shall together constitute but one and the same
agreement.

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         16. Severability. Any provision of this Agreement that is prohibited or
unenforceable in any jurisdiction shall be ineffective to the extent of such
prohibition or unenforceability without invalidating the remaining provisions
hereof and any such prohibition or unenforceability in any jurisdiction shall
not invalidate or render unenforceable such provision in any other jurisdiction.

         17. Not Applicable to ABC in Other Capacities. Nothing in this
Agreement shall affect any obligation ABC may have in any other capacity, other
than as Administrator.

         18. Limitation of Liability of Owner Trustee. Notwithstanding anything
contained herein to the contrary, this instrument has been signed by Wilmington
Trust Company not in its individual capacity but solely in its capacity as Owner
Trustee of the Issuer and in no event shall Wilmington Trust Company in its
individual capacity or any beneficial owner of the Issuer have any liability for
the representations, warranties, covenants, agreements or other obligations of
the Issuer hereunder, as to all of which recourse shall be had solely to the
assets of the Issuer. For all purposes of this Agreement, in the performance of
any duties or obligations of the Issuer hereunder, the Owner Trustee shall be
subject to, and entitled to the benefits of, the terms and provisions of
Articles IV, V, VI and VII of the Trust Agreement.

         19. Third-Party Beneficiary.

         (a) The Owner Trustee is a third-party beneficiary to this Agreement
and is entitled to the rights and benefits hereunder and may enforce the
provisions hereof as if it were a party hereto.

         (b) Solely with respect to any amounts owing to the Indenture Trustee
pursuant to Section 6.07 of the Indenture, the Indenture Trustee is a
third-party beneficiary to this Agreement and is entitled to the rights and
benefits hereunder and may enforce the provisions hereof as if it were a party
hereto.

         20. Nonpetition Covenants. Notwithstanding any prior termination of
this Agreement, the Administrator shall not at any time with respect to the
Issuer or the Transferor acquiesce, petition or otherwise invoke or cause the
Issuer or the Transferor to invoke the process of any court or government
authority for the purpose of commencing or sustaining a case against the Issuer
or the Transferor under any Federal or state bankruptcy, insolvency or similar
law or appointing a receiver, conservator, liquidator, assignee, trustee,
custodian, sequestrator or other similar official of the Issuer or the
Transferor or any substantial part of its property, or ordering the winding up
or liquidation of the affairs of the Issuer or the Transferor; provided,
however, that this Section 20 shall not operate to preclude any remedy described
in Article V of the Indenture.

         21. Successor Administrator. In the event of a servicing transfer
pursuant to Article V of the Transfer and Servicing Agreement, the successor
servicer under the Transfer and Servicing Agreement shall, upon the date of such
servicing transfer, become the successor Administrator hereunder.
"Administrator" shall mean initially ABC and thereafter its permitted successors
and assigns as provided in Section 12 or any successor Administrator as provided
in this Section 21.

                            [SIGNATURE PAGE FOLLOWS]

                                       11
<PAGE>   14
         IN WITNESS WHEREOF, the parties have caused this Administration
Agreement to be duly executed and delivered as of the day and year first above
written.

                                     WILMINGTON TRUST COMPANY,
                                         as Owner Trustee of
                                         Advanta Business Card Master Trust

                                            /s/ Anita Dallago
                                     By: ______________________________________
                                         Name:  Anita Dallago
                                         Title: Financial Services Officer

                                     ADVANTA BANK CORP.,
                                      as Administrator

                                         /s/ Mark B.Hales
                                     By: ______________________________________
                                      Name:  Mark B. Hales
                                      Title: President

Acknowledged and Accepted:

ADVANTA BUSINESS RECEIVABLES CORP.,
 as Transferor

    /s/ Michael Coco
By: ___________________________________________
Name:   Michael Coco
Title:  Vice President - Finance

                  [Signature Page to Administration Agreement]
<PAGE>   15
                                                                       EXHIBIT A
                                                     [Form of Power of Attorney]

                                POWER OF ATTORNEY

STATE OF DELAWARE             )
                              )ss.:
COUNTY OF NEW CASTLE          )

         KNOW ALL MEN BY THESE PRESENTS, that Wilmington Trust Company, as owner
trustee of Advanta Business Card Master Trust, a Delaware common law trust
("Trust"), does hereby make, constitute and appoint Advanta Bank Corp., as
Administrator under the Administration Agreement (as defined below), and its
agents and attorneys, as attorneys-in-fact to execute on behalf of the Trust all
such documents, reports, filings, instruments, certificates and opinions as it
shall be the duty of the Trust to prepare, file or deliver pursuant to the
Related Documents (as defined in the Administration Agreement), including,
without limitation, to appear for and represent the Trust in connection with the
preparation, filing and audit of federal, state and local tax returns pertaining
to the Trust, and with full power to perform any and all acts associated with
such returns and audits that the Trust could perform, including without
limitation, the right to distribute and receive confidential information, defend
and assert positions in response to audits, initiate and defend litigation, and
to execute waivers of restriction on assessments of deficiencies, consents to
the extension of any statutory or regulatory time limit, and settlements. For
the purpose of this Power of Attorney, the term "Administration Agreement" means
the Administration Agreement, dated as of August 1, 2000, between the Trust and
Advanta Bank Corp., as Administrator, and as such may be amended from time to
time.

         This power of attorney is coupled with an interest and shall survive
and not be affected by the subsequent bankruptcy, insolvency or dissolution of
the Trust.

         All powers of attorney for this purpose heretofore filed or executed by
the Trust are hereby revoked.

         EXECUTED this 18th day of August, 2000.

                                     WILMINGTON TRUST COMPANY,
                                          as Owner Trustee of
                                          Advanta Business Card Master Trust

                                     By:_______________________________________
                                     Name:
                                     Title:

                                       A-1<PAGE>

                                                                   EXHIBIT 10.14

                         TECHNOLOGY LICENSE AGREEMENT

     THIS TECHNOLOGY LICENSE AGREEMENT (the "Agreement"), effective as of the
Effective Date, is entered into by and between Somnus Medical Technologies,
Inc., a Delaware Corporation having a principal place of business located at 285
N. Wolfe Road, Sunnyvale, California 94086, ("Somnus") and Conway Stuart
Medical, Inc., a Delaware Corporation having a principal place of business
located at 735 Palomar Avenue, Sunnyvale, California 94086 ("Conway Stuart").

                                   RECITALS

     WHEREAS, Somnus owns certain patents, patent applications and know-how
covering certain inventions, discoveries and information, developed by Somnus at
Somnus's expense, relating to Somnus's Model S2 two channel radio frequency
("RF") generator with capability to be expanded to six channels; and

     WHEREAS, Conway Stuart wishes to develop an RF generator based on Somnus's
Model S2 RF generator with up to six channels for use by Conway Stuart in the
Licensed Field; and

     WHEREAS, Conway Stuart wishes to obtain from Somnus, and Somnus is willing
to grant to Conway Stuart, a right and license under the Licensed Subject Matter
(as defined hereinafter below) to develop such an RF generator; and

     WHEREAS, Conway Stuart desires to obtain from Somnus, and Somnus is willing
to grant to Conway Stuart, a right and license under the Licensed Subject Matter
to manufacture, use and sell RF generators based on the licensed technology in
the Licensed Field.

     NOW, THEREFORE, Somnus and Conway Stuart agree as follows:

1. DEFINITIONS

     As used in this Agreement, the following terms shall have the meanings
indicated:

     1.1  "Licensed Field" shall mean the field of RF ablation for treatment of
gastroesophageal reflux and other medical disorders or conditions of the
stomach, esophagus, intestine, anus and all other structures, organs or tissues
of the digestive tract; provided, however, that the Licensed Field shall
specifically exclude treatment of any body structure located above the upper
esophageal sphincter.  Notwithstanding anything to the contrary, the term
"Licensed Field" shall not include any structures, organs or tissues other than
structures, organs or tissues of the digestive tract.  Notwithstanding anything
to the contrary, the term "Licensed Field" shall not include any structures,
organs or tissues other than structures, organs or tissues of the digestive
tract.

     1.2  "Licensed Subject Matter" shall mean the Intellectual Property Rights
and the Technology Rights.

[*] CERTAIN INFORMATION IN THIS EXHIBIT HAS BEEN OMITTED AND FILED SEPARATELY
WITH THE COMMISSION. CONFIDENTIAL TREATMENT HAS BEEN REQUESTED WITH RESPECT TO
THE OMITTED PORTIONS.
<PAGE>

     1.3  "Intellectual Property Rights" shall mean all rights owned or
otherwise held by Somnus in, to or under patents and patent applications,
whether domestic or foreign, and all divisions, continuations and continuations-
in-part of any patent applications, and all patents which may issue from any
patent applications, and all reissues, reexaminations and extensions of patents,
relating to Somnus's Model S2 RF generator.

     1.4  "Technology Rights" shall mean all rights owned or otherwise
controlled by Somnus in, to or under technical information, know-how, process,
procedure, composition, device, method, formula, protocol, technique, software,
design, drawing or data relating to Somnus's Model S2 RF generator which are not
covered by Intellectual Property Rights, but which are necessary for the
practice and full utilization of inventions at any time disclosed or claimed
under the Intellectual Property Rights.

     1.5  "Technology" shall mean all tangible and intangible results and items
arising out of, developed in connection with or constituting the results of
Conway Stuart's development, including all ideas, inventions, discoveries,
designs, know-how, notes, memoranda, documentation, and copyrighted materials,
and all intellectual property rights constituting, embodied in, or pertaining to
any of the foregoing.

     1.6  "Affiliate" shall mean (a) any entity controlled, controlling or under
common control with, directly or indirectly, at least fifty percent (50%) of the
stock normally entitled to vote for election of directors of a party; or (b) any
entity at least fifty percent (50%) of whose stock normally entitled to vote for
election of directors is controlled, controlling or under common control with,
directly or indirectly, a party, or, if such level exceeds that which is
otherwise permissible in the country of residence of such entity, the maximum
level permitted in such country.

     1.7  "Effective Date" shall mean the date of transfer by Conway Stuart to
Somnus of the Conway Stuart Medical, Inc. Series A Preferred Stock, as further
set forth in Section 3.1 of this Agreement.

     1.8  Rules of Construction. As used in this Agreement, all terms defined in
the singular shall include the plural, and vice versa, as the context may
require. The words "hereof," "herein," and "hereunder" and other words of
similar import refer to this Agreement as a whole. The word "including" when
used herein is intended to be exclusive and is not intended to mean "including,
without limitation." The headings of the several sections of this Agreement are
intended for convenience of reference only and are not intended to be a part of
or to affect the meaning or interpretation of this Agreement. This Agreement has
been negotiated and drafted by the parties with assistance by counsel and shall
be fairly interpreted in accordance with its terms and without any rules of
construction relating to which party drafted the Agreement being applied in
favor or against either party.

                                       2
<PAGE>

2. LICENSE

     2.1  Grant. Subject to the terms and conditions stated herein, Somnus
hereby grants to Conway Stuart an irrevocable, non-exclusive, worldwide right
and license under Licensed Subject Matter to manufacture, have manufactured,
use, offer to sell, sell and import RF generators in the Licensed Field.

     2.2  Ownership. Conway Stuart acknowledges and agrees that Somnus is and
shall remain the sole and exclusive owner of the Licensed Subject Matter.

     2.3  No Other Rights. Except as expressly provided herein, no right, title,
or interest is granted by Somnus to Conway Stuart in, to or under the Licensed
Subject Matter.

     2.4  No Sublicense.  Conway Stuart shall have no right to sublicense the
technology licensed under this Agreement.  Any attempt to sublicense this
Agreement by Conway Stuart shall result in an immediate termination of this
Agreement.

3. PAYMENT

     3.1  Equity in Conway Stuart. In consideration for the rights and licenses
granted hereunder subject to approval by the Board of Directors of Conway
Stuart, Conway Stuart shall deliver to Somnus One Hundred Seventy Five Thousand
(175,000) shares of Conway Stuart Medical, Inc. Series A Preferred Stock. In the
event of a reverse stock split, Conway Stuart shall transfer stock to Somnus in
order to make Somnus whole.

     3.2  Technology License Payment. Subject to the terms set forth below in
this Section 3.2, Conway Stuart shall pay Somnus a nonrefundable total
technology license fee equal to [*] Such fee shall be paid in two nonrefundable
installments. The first installment equal to [*] shall be paid on the Effective
Date. The second and final installment equal to [*] shall be paid on February 1,
1999.

     3.3  Document Payment. Conway Stuart shall pay to Somnus nonrefundable fees
equal to [*] upon receipt of the design documents and [*] upon receipt of the
manufacturing documents listed below. Somnus shall have no obligation to provide
to Conway Stuart any documents that do not already exist at Somnus' facility as
of the Effective Date. Additionally, Somnus shall have no obligation to provide
to Conway Stuart any copies of Somnus' filings with UL, TUV, and FDA.

          (a)  Design Documents. Somnus shall deliver copies of documents
relating to hardware and software for Somnus's Model S2 RF generator, including
without limitation the following documents, to be provided according to the
indicated schedule:

                                       3

[*] CERTAIN INFORMATION ON THIS PAGE HAS BEEN OMITTED AND FILED SEPARATELY WITH
THE COMMISSION. CONFIDENTIAL TREATMENT HAS BEEN REQUESTED WITH RESPECT TO THE
OMITTED PORTIONS.
<PAGE>

               (i)  Somnus shall provide to Conway Stuart the following
materials within ten (10) days of the Effective Date of this Agreement:
mechanical drawings for Conway Stuart's enclosure development project.

               (ii) Somnus shall provide to Conway Stuart the following
materials within sixty (60) working days of the Effective Date of this
Agreement: bill of materials, mechanical drawings for electronics, schematics,
PCB layouts in hard copy format, and letters of reference to UL, TUV and FDA for
these agencies to refer to Somnus' filed documents.

          (b)  Manufacturing Documents. Somnus shall deliver copies of documents
relating to the manufacture of Somnus' Model S2 RF generator, limited to the
following: documents of materials, suppliers, all phases of manufacturing, and
all manufacturing, quality assurance test procedures and source code for all
software related to Somnus' Model S2 generator.

     3.4  Royalty. For the life of this Agreement, Conway Stuart shall pay to
Somnus a royalty equal to [*] of Conway Stuart's average selling price of RF
generators which, absent the right and license granted by Somnus to Conway
Stuart under Section 2.1, would infringe Somnus' rights under the Licensed
Subject Matter. For purposes of this Section 3.4, the term "average selling
price" shall mean the average of net revenue actually received by Conway Stuart
from end users on sales of such RF generators in each calendar quarter during
the term of this Agreement. As used in the previous sentence, "net revenue"
shall equal the total gross revenue, less credits or allowances on account of
rejections of RF generators previously sold upon which a royalty has already
been made to Somnus. In the event that Conway Stuart places such RF generators
with end users at no cost, Conway Stuart shall pay Somnus a royalty based on the
average selling price of [*] per unit.

     3.5  Records, Reports and Payment of Royalties.  During the term of this
Agreement and for five (5) years thereafter, Conway Stuart shall keep complete
and accurate records of the sale of RF generators which, absent the right and
license granted by Somnus to Conway Stuart under Section 2.1, would infringe
Somnus' rights under the Licensed Subject Matter in sufficient detail to enable
the royalties payable to Somnus under Section 3.4 of this Agreement to be
determined.  Within sixty (60) days after the end of each calendar quarter
during which units using the technology licensed under this Agreement have been
sold, Conway Stuart shall furnish to Somnus a written report setting forth the
number of such RF generators sold in such just-ended calendar quarter, together
with royalties payable to Somnus pursuant to Section 3.4.

     3.6  Audit Rights. Conway Stuart shall permit Somnus, or representatives of
Somnus which are reasonably acceptable to Conway Stuart, at Somnus's expense, to
periodically examine Conway Stuart's books, ledgers, and records during regular
business hours for the sole purpose of, and only to the extent necessary, to
verify reports furnished to Somnus pursuant to Section 3.5; provided that Somnus
                                                            --------
delivers to Conway Stuart a written notice of Somnus's intention to conduct an
inspection not less than ten

                                       4

[*] CERTAIN INFORMATION ON THIS PAGE HAS BEEN OMITTED AND FILED SEPARATELY WITH
THE COMMISSION. CONFIDENTIAL TREATMENT HAS BEEN REQUESTED WITH RESPECT TO THE
OMITTED PORTIONS.

<PAGE>

(10) business days before the intended date of such inspection; and provided
                                                                    --------
further that only one (1) such inspection may be conducted during any calendar
-------
six (6) month period. In the event that amounts due Somnus are determined to
have been underpaid by an amount greater than ten percent (10%) of the amount
actually due, Conway Stuart shall pay the cost of such examination. Any royalty
payment not paid on or before the date corresponding to forty five (45) days
after the end of the calendar quarter for which such royalties are due and
payable hereunder shall accrue interest at a rate equal to one percent (1%) per
calendar month or, if less, the maximum rate permitted under applicable law.
Notwithstanding the above, each report delivered by Conway Stuart to Somnus
pursuant to Section 3.5, shall be deemed correct and accurate, and Somnus shall
have no right to inspection records relating thereto, or otherwise challenge the
accuracy of either such report or the records relating thereto, after the third
anniversary of the date of delivery of such report to Somnus.

4. DEVELOPMENT PROGRAM

     4.1  Kits.  Somnus shall provide Conway Stuart with up to twenty (20) RF
Generator kits, including one (1) extra RF board per kit, at a price of [*] per
kit, payable upon request of a kit by Conway Stuart to Somnus. The twenty (20)
kits shall be consumed by Conway Stuart in, at most, two (2) separate orders.
Ten (10) kits shall include Somnus' Model S2 generator enclosure, the remaining
ten (10) kits shall not include the enclosure. A kit shall be composed of the
components necessary to build Somnus' Model S2 RF generator. Conway Stuart shall
have ten (10) days to inspect the kits upon receipt from Somnus. Conway Stuart
shall have no claim against Somnus for defective kits, or components therein,
after the ten (10) day inspection period has expired or after the kit has been
assembled, whichever event occurs first.

     4.2  Use of Resources. Conway Stuart is expressly prohibited from using any
resources belonging to Somnus, including but not limited to engineering
resources, equipment and Somnus's employees and consultants, without first
obtaining express written permission from Somnus. Such permission shall be
requested and obtained from Somnus's Chief Executive Officer and Chief Financial
Officer, and such officers of Somnus shall have the authority to grant such
permission. Payment for Conway Stuart's use of Somnus's resources shall be
determined by Somnus' Chief Executive Officer and Chief Financial Officer, shall
be made by Conway Stuart to Somnus and, in the case of Somnus's employees, shall
not exceed two times such employee's hourly rate.

     4.3  Solicitation of Employees. Except as provided in this Section 4.3
below, Conway Stuart is expressly prohibited from soliciting any employee or
consultant of Somnus involved with the development of Somnus's Model S2 RF
generator. For purposes of clarification, Bruno Strul, Ph.D., is not an employee
or a consultant of Somnus.

          4.3.1 Use of George Schils. Upon execution of this Agreement, Conway
Stuart shall reimburse Somnus in an amount equal to Twenty Four Thousand Dollars
($24,000) for consulting services performed by George Schils on behalf of

                                       5

[*] CERTAIN INFORMATION ON THIS PAGE HAS BEEN OMITTED AND FILED SEPARATELY WITH
THE COMMISSION. CONFIDENTIAL TREATMENT HAS BEEN REQUESTED WITH RESPECT TO THE
OMITTED PORTIONS.
<PAGE>

Conway Stuart that were paid by Somnus through December 31, 1998. Upon execution
of this Agreement, Conway Stuart shall pay George Schils directly for use of his
services after December 31, 1998.

          4.3.2 Use of Robin Bek. Commencing on December 1, 1998, Conway Stuart
shall pay Somnus an amount equal to fifty percent (50%) of Robin Bek's burdened
salary to reimburse Somnus for the time that Mr. Bek spends on RF generator
development for Conway Stuart. Such payments shall be made by Conway Stuart to
Somnus on the fifteenth (15th) of every month until the development of Conway
Stuart's generator is completed. Conway Stuart shall be limited to fifty percent
(50%) of Mr. Bek's working time.

     4.4  Transfer of Technology.  Conway Stuart agrees that copies of all
information and descriptions of technology, including but not limited to, all
ideas, inventions, discoveries, specifications, designs, know-how, notes,
memoranda, documentation, test fixtures, calibration equipment, all copyrighted
materials, and all intellectual property rights constituting, embodied in, or
pertaining to any of the foregoing, developed by Conway Stuart as a result of
this Technology License Agreement shall be transferred by Conway Stuart to
Somnus.  Somnus hereby grants to Conway Stuart an irrevocable, non-exclusive,
worldwide, fully-paid, royalty-free right and license under intellectual
property covering such information and technology to use and otherwise exploit
such information and technology.

     4.5  No Conflicts. Conway Stuart agrees not to conduct any work for its own
behalf or seek out any services from any party which relates to development of
an RF generator or RF generator technology for use in treatment of any body
structure located above the upper esophageal sphincter. Somnus agrees not to
conduct any work for its own behalf or seek out any services from any party
which relates to development of an RF generator or RF generator technology for
use in the Licensed Field.

     4.6  Documentation. Conway Stuart agrees that copies of all documentation,
test results and test protocols, verifications and validations, lists of
components different from Somnus's Model S2 RF generator, and proof of
regulatory approvals shall be delivered by Conway Stuart to Somnus in a timely
fashion.

     4.7  Ownership and Rights in Technology. Somnus shall own all right, title
and interest in Technology developed, made or otherwise created solely by
employees and consultants of Somnus. Conway Stuart shall own all right, title
and interest in Technology developed, made or otherwise created solely by
employees and consultants of Conway Stuart. Somnus and Conway Stuart jointly
shall own all right, title and interest in Technology developed, made or
otherwise created jointly by employees and consultants of Somnus and Conway
Stuart. Somnus and Conway Stuart each agrees to deliver to the other party
hereto (i) a written description of any Technology developed, made or otherwise
created by its employees and consultants as a result of this Technology License
Agreement, and (ii) an example of tangible embodiments of such Technology, where
applicable. Conway Stuart shall require each of its employees and consultants to
enter into confidentiality and proprietary rights agreements, in a form
acceptable to

                                       6
<PAGE>

Somnus, irrevocably assigning any and all right, title and interest such
employees and consultants might have in, to and under such Technology to Conway
Stuart. Somnus shall require each of its employees and consultants to enter into
confidentiality and proprietary rights agreements, in a form acceptable to
Conway Stuart, irrevocably assigning any and all right, title and interest such
employees and consultants might have in, to and under such Technology to Somnus.
All Technology shall be deemed to be Confidential Information of the party (or
parties) whose employee(s) and consultant(s) developed, made or otherwise
created such Technology and shall be subject to the restrictions set forth in
Article 6 below. Application and registration for intellectual property
protection of Technology shall be the exclusive right of the party owning such
Technology and such party shall bear the cost of such application and
registration; provided, however, that the parties shall determine which of the
parties hereto shall apply and register for intellectual property protection of
Technology jointly owned by the parties and the parties shall bear the cost and
expense of such application and registration equally. Each party agrees to
execute such documents, render such assistance, and take such other action
reasonably requested by the other party in connection with application,
registration, perfection, enforcement and defense of intellectual property
rights relating to Technology developed, made or otherwise created. Conway
Stuart agrees to grant, and hereby grants, to Somnus an irrevocable, non-
exclusive, worldwide, fully-paid, royalty-free right and license, together with
the right to grant and authorize sublicenses, under intellectual property
covering Technology developed as a result of this Technology License Agreement
and owned by Conway Stuart to make, have made, import, use, offer for sale, sell
and otherwise distribute tangible embodiments of such Technology in all fields
other than the Licensed Field. Somnus agrees to grant, and hereby grants, to
Conway Stuart an irrevocable, non-exclusive, worldwide, fully-paid, royalty-free
right and license, under intellectual property covering Technology developed as
a result of this Technology License Agreement and owned by Somnus to make, have
made, import, use, offer for sale, sell and otherwise distribute tangible
embodiments of such Technology in the Licensed Field, and to use such Technology
in development projects.

     4.8  Use of Third Party Developers.  Due to the confidential nature of the
Licensed Subject Matter, in the event Conway Stuart uses a third party developer
or manufacturer, Conway Stuart shall require such third party developer or
manufacturer to execute confidentiality agreements in a form acceptable to
Somnus.  Conway Stuart shall provide copies of all such confidentiality
agreements to Somnus.

     4.9  Control Use Algorithm.  Conway Stuart is expressly prohibited from
incorporating into the RF generators to be developed as a result of this
Technology License Agreement Somnus' proprietary algorithm preventing reuse of a
disposable medical device. If Conway Stuart elects to incorporate into such RF
generators an algorithm to prevent reuse of a disposable medical device that is
based upon the intellectual property that Somnus licensed from Medtronic, Conway
Stuart must obtain an independent license from Medtronic prior to incorporating
this feature.

     4.10 Conway Stuart Generator Appearance. Conway Stuart shall develop an
icon user interface, enclosure and connector for use in the RF generators to be
developed as a result of this Technology License Agreement which are separate
and

                                       7
<PAGE>

distinct from the icon user interface, enclosure and connector used by Somnus as
of the Effective Date. For the avoidance of doubt, in the event that any
question exists as to whether such icon user interface, enclosure and connector
developed by Conway Stuart is not separate and distinct from the icon user
interface, enclosure and connector used by Somnus as of the Effective Date,
Conway Stuart shall obtain written approval from Somnus prior to implementation
of such icon user interface, enclosure and connector into the RF generators to
be developed as a result of this Technology License Agreement.

     4.11 Regulatory Approvals and Testing. Conway Stuart shall be responsible
for obtaining necessary regulatory approvals and authorizations for the RF
generators to be developed as a result of this Technology License Agreement,
development of all test procedures and all test fixtures. Conway Stuart shall be
responsible for developing all verification and validation protocols and
performing such verification and validation protocols to determine whether each
unit using the technology licensed under this Agreement meets the specification
requirements for such RF generators.

     4.12 Software and Hardware Changes. Conway Stuart shall be solely
responsible for development of a proprietary enclosure for RF generators to be
developed as a result of this Technology License Agreement.

     4.13 Right of Access. Representatives of Somnus shall have the right to
visit Conway Stuart's facilities and the facilities of Conway Stuart's
contractors and subcontractors during normal business hours to observe, discuss
progress with representatives of Conway Stuart and Conway Stuart's contractors,
consultants, and subcontractors, and inspect all relevant documents; provided
                                                                     --------
that, with respect to any visit or inspection of documents, Somnus shall notify
Conway Stuart of its intention to visit or inspect documents at least five (5)
business days in advance; and provided further that copies of any documents
                              -------- -------
shall be provided to Somnus only after consent by Conway Stuart, such consent
not to be unreasonably withheld; and provided further that any and all
                                     --------
information obtained by Somnus as a result of actions permitted under this
Section 4.13, including without limitation any and all copies of documents,
shall be deemed Confidential Information of Conway Stuart and shall be subject
to the restrictions set forth in Article 6 below.

5.  REPRESENTATIONS, WARRANTIES AND COVENANTS

     5.1  Representations, Warranties and Covenants of Somnus. Somnus
represents, warrants and covenants that: (i) Somnus is the sole and exclusive
owner of all right, title and interest in the Licensed Subject Matter; (ii) the
Licensed Subject Matter is free and clear of any lien, encumbrance, security
interest and restriction on license; (iii) Somnus has not previously granted,
and will not grant during the term of this Agreement, any right, license or
interest in, to or under the Licensed Subject Matter, or any portion thereof,
which is inconsistent with the rights and licenses granted to Conway Stuart
herein; (iv) to the best of Somnus' knowledge as of the Effective Date, the
Licensed Subject Matter does not infringe any intellectual property right of any
third party; (v) there are no actions, suits, investigations, claims or
proceedings pending or threatened in any way relating to the Licensed Subject
Matter; (vi) during the term of this Agreement,

                                       8
<PAGE>

Somnus will not conduct any work for its own behalf or seek out any services
from any party which relates to development of an RF generator, or RF generator
technology, for use in the Licensed Field, (vii) Somnus is a corporation, duly
organized validly existing and in good standing under the laws of the State of
Delaware; and (viii) the execution, delivery and performance of this Agreement
have been duly authorized by all necessary corporate action on the part of
Somnus.

     5.2  Representations, Warranties and Covenants of Conway Stuart. Conway
Stuart represents, warrants and covenants that: (i) during the term of this
Agreement, Conway Stuart will not conduct any work for its own behalf or seek
out any services from any party which relates to development of an RF generator,
or RF generator technology, for use in treatment of any body structure located
above the upper esophageal sphincter; (ii) Conway Stuart is a corporation, duly
organized validly existing and in good standing under the laws of the State of
Delaware; and (iii) the execution, delivery and performance of this Agreement
have been duly authorized by all necessary corporate action on the part of
Conway Stuart.

     5.3  Effect of Representations, Warranties and Covenants. It is understood
that if the representations and warranties made by a party under this Article 5
are not true and accurate, or if the covenants made by a party under this
Article 5 are not upheld and complied with, and the other party incurs damages,
liabilities, costs or other expenses as a result of such falsity or non-
compliance, the party making such representations, warranties and covenants
shall indemnify and hold the other party harmless from and against any such
damages, liabilities, costs or other expenses incurred as a result of such
falsity or such non-compliance.

6.  CONFIDENTIAL INFORMATION

     6.1  General.  Somnus and Conway Stuart each agree that all information
contained in documents marked "confidential" which are received by one party
from the other party, and all information indicated to be Confidential
Information in Sections 4.7 and 4.13 (collectively, "Confidential Information")
shall be received in strict confidence, used only for the express purposes set
forth in this Agreement, and not disclosed by the recipient party (except as
required by law or court order), its agents or employees without the prior
written consent of the other party, unless such Confidential Information (i) was
in the public domain at the time of disclosure, (ii) later became part of the
public domain through no act or omission of the recipient party, its employees,
agents, or permitted successors or assigns, (iii) was lawfully disclosed to the
recipient party by a third party having no obligation to the disclosing party,
(iv) was already known by the recipient party at the time of disclosure, (v) was
independently developed by the recipient without use of or access to such
Confidential Information or (vi) is required to be disclosed to a government
agency.

     6.2  Protection of Confidential Information.  Each party's obligations of
confidentiality, non-use and nondisclosure set forth in Section 6.1 shall be
fulfilled by using at least the same degree of care with the other party's
Confidential Information as it uses to protect its own confidential information.
This obligation shall continue in full

                                       9
<PAGE>

force and effect during the term of this Agreement and thereafter for a period
of three (3) years.

7.  INFRINGEMENT BY THIRD PARTIES

     7.1  General. Conway Stuart shall notify Somnus if it learns of any
possible infringement by any third party of the Intellectual Property Rights. In
the event that Somnus does not file suit against a substantial infringer of such
patents or other rights granted herein within six (6) months after receipt of
such notification from Conway Stuart, Conway Stuart shall have a right, but no
obligation, to enforce any patent licensed hereunder on behalf of itself and
Somnus. Somnus shall provide all reasonable assistance requested by Conway
Stuart in connection with any action taken by Conway Stuart to enforce the
Intellectual Property Rights consistent with its obligations pursuant to Section
7.2, including without limitation joining legal action initiated by Conway
Stuart as a party. In the event that Conway Stuart takes action to enforce the
Intellectual Property Rights, Conway Stuart shall retain for its own benefit all
recoveries obtained from such action.

     7.2  Cooperation. In any suit or dispute involving an infringer, the
parties shall cooperate fully, and upon the request and at the expense of the
party bringing suit, the other party shall make available to the party bringing
suit, at reasonable times and under appropriate conditions all relevant
personnel, records, papers, information, samples, specimens, and the like in its
possession.

8.  INDEMNIFICATION

     8.1  General.  Conway Stuart shall hold harmless and indemnify Somnus, its
officers, employees and agents from and against any claims, demands or causes of
action whatsoever, including without limitation those arising on account of any
injury or death of persons or damage to property caused by, or arising out of,
or resulting from, the exercise or practice of the rights and licenses granted
hereunder by Conway Stuart, its Affiliates or their officers, employees, agents
or representatives, except to the extent that any such claims, demands or causes
of action arise as a result of Somnus' negligence or misconduct.

9.  TERM AND TERMINATION

     9.1  Term. The term of this Agreement shall commence on the Effective Date
and continue in full force and effect until the earlier of either (i) the
expiration of the term of the last patent within the Licensed Subject Matter or,
if sooner, determination by a court or administrative agency of competent
jurisdiction that the last patent within the Licensed Subject Matter is invalid
or unenforceable, or (ii) fifteen (15) years if no patents within the Licensed
Subject Matter issue.

     9.2  Termination for Cause. Either party may, without penalty, terminate
this Agreement, effective upon written notice to the other party in the event of
one of the following events:

                                       10
<PAGE>

     9.2.1 The other party materially breaches this Agreement, and such breach
remains uncured for thirty (30) days following written notice of breach by the
non-breaching party, unless such breach is incurable, in which event termination
shall be immediate upon receive of written notice;

     9.2.2 To the extent permitted by applicable, a petition for relief under
any bankruptcy statute is filed by or against the other party, or the other
party makes an assignment for creditors, or a receiver is appointed for all or a
substantial party of the party's assets, and such petition, assignment or
appointment is not dismissed or vacated within sixty (60) days.

     9.3  Licenses.

          9.3.1 Upon expiration of this Agreement pursuant to the terms of
Section 9.1, Conway Stuart shall have a paid-up, irrevocable, non-exclusive,
worldwide right and license under the Technology Rights to manufacture, have
manufactured, use, offer to sell, sell and import RF generators in the Licensed
Field.

          9.3.2 Upon termination of this Agreement by Somnus pursuant to Section
9.2, all rights and licenses granted herein by Somnus to Conway Stuart under
Licensed Subject Matter shall terminate. Upon termination of this Agreement by
Conway Stuart pursuant to Section 9.2, or upon expiration of this Agreement, all
rights and licenses granted herein by Somnus to Conway Stuart under Licensed
Subject Matter shall survive.

     9.4  Return of Confidential Information. Upon termination of this Agreement
by Somnus pursuant to Section 9.2, but not upon expiration or termination of
this Agreement by Conway Stuart pursuant to Section 9.2, Conway Stuart shall
promptly return to Somnus any Confidential Information of Somnus received from
Somnus prior to such termination, and Conway Stuart shall be no longer be
entitled to use any such Confidential Information for any purpose.

     9.5  Accrued Rights.  Expiration or termination of this Agreement shall not
release either party from any obligation theretofore accrued.

     9.6  Survival. Articles 5, 6, and 10, and Sections 9.3, 9.4, 9.5 and 9.6,
of this Agreement shall survive expiration or termination of this Agreement for
any reason.

10. MISCELLANEOUS

     10.1 Governing Law.  This Agreement shall be governed by, and construed and
interpreted, in accordance with the laws of the State of California without
reference to principles of conflicts of laws.

     10.2 Compliance with Laws.  Each party shall perform this Agreement in
compliance with all applicable federal, national, state and local laws, rules
and regulations and shall indemnify the other party and its customers for loss
or damage sustained because of such party's noncompliance with any such law,
rule or regulation.

                                       11
<PAGE>

Each party shall furnish to the other party any information requested or
required by that party during the term of this Agreement or any extensions
hereof to enable that party to comply with the requirements of any U.S. or
foreign federal, state, and/or governmental agency.

     10.3  Limitation of Liability. IN NO EVENT SHALL EITHER PARTY BE LIABLE FOR
INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR SPECIAL DAMAGES OF THE OTHER PARTY
ARISING OUT OF THIS AGREEMENT, UNDER ANY THEORY OF LIABILITY.

     10.4  Force Majeure. Neither party shall be held responsible for any delay
or failure in performance hereunder caused by strikes, embargoes, unexpected
government requirements, civil or military authorities, acts of God, earthquake,
or by the public enemy or other causes reasonably beyond such party's control
and without such party's fault or negligence.

     10.5  Independent Contractors. The relationship of Somnus and Conway Stuart
established by this Agreement is that of independent contractors. Nothing in
this Agreement shall be constructed to create any other relationship between
Somnus and Conway Stuart. Neither party shall have any right, power or authority
to assume, create or incur any expense, liability or obligation, express or
implied, on behalf of the other.

     10.6  Confidentiality of Agreement. Except as required by law, neither
party to this Agreement shall disclose the contents or any term of this
Agreement to any person or entity without the prior written consent of the non-
disclosing party.

     10.7  Assignment. The parties agree that their rights and obligations under
this Agreement may not be transferred or assigned to a third party without the
prior written consent of the other party hereto. Notwithstanding the foregoing,
a party may transfer or assign its rights and obligations under this Agreement
to a successor to all or substantially all of its business or assets relating to
this Agreement whether by sale, merger, operation of law or otherwise.

     10.8  No Use of Names.  Neither party will use the name of the other in its
advertising or promotional materials without the prior written consent of such
other party.

     10.9  Notices.  Any required notices hereunder shall be given in writing by
certified mail or overnight express delivery service (such as FedEx) at the
address of each party below, or to such other address or as either party may
substitute by written notice.  Notice shall be deemed served when delivered or,
if delivery is not accomplished by reason or some fault of the addressee, when
tendered.

     If to Somnus:  Somnus Medical Technologies, Inc.
                    285 N. Wolfe Road
                    Sunnyvale, California 94086
                    Attn: Chief Executive Officer

                                       12
<PAGE>

     If to Conway Stuart:  Conway Stuart Medical, Inc.
                           735 Palomar Avenue
                           Sunnyvale, California 94086
                           Attn: Chief Executive Officer

     10.10  Modification; Waiver.  This Agreement may not be altered, amended or
modified in any way except by a writing signed by both parties.  The failure of
a party to enforce any provision of the Agreement shall not be construed to be a
waiver of the right of such party to thereafter enforce that provision or any
other provision or right.

     10.11  Severability. If any provision of any provision of this Agreement
shall be found by a court to be void, invalid or unenforceable, the same shall
be reformed to comply with applicable law or stricken if not so conformable, so
as not to affect the validity or enforceability of this Agreement.

     10.12  Entire Agreement. The parties hereto acknowledge that this Agreement
sets forth the entire Agreement and understanding of the parties hereto as to
the subject matter hereof, and supersedes all prior discussions, agreements, and
writings in respect hereto.

     10.13  Counterparts.  This Agreement may be executed in two or more
counterparts, each of which shall be deemed an original and which together shall
constitute one instrument.

     IN WITNESS WHEREOF, Somnus and Conway Stuart have executed this Agreement
by their respective duly authorized representatives.

SOMNUS MEDICAL                           CONWAY STUART MEDICAL, INC.
TECHNOLOGIES, INC.                       ("Conway Stuart")
("Somnus")

By: /s/ John Schulte                     By: /s/ Stuart D. Edwards
    --------------------------               --------------------------

Print: John Schulte                      Print: Stuart D. Edwards

Title: Chief Executive Officer           Title: Chief Executive Officer

                                       13

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