exv4w1

Ex-4.1

EXECUTED VERSION

ADVANTA BUSINESS CARD MASTER TRUST

as Issuer

and

DEUTSCHE BANK TRUST COMPANY AMERICAS

as Indenture Trustee

CLASS A(2007-A1) TERMS DOCUMENT

(Including Enhancement Modification Acknowledgment)

dated as of February 21, 2007

ADVANTASERIES INDENTURE SUPPLEMENT

dated as of November 1, 2004

INDENTURE

dated as of August 1, 2000

TABLE OF CONTENTS


		Page
	ARTICLE I Definitions and Other Provisions of General Application

Section 1.01	Definitions		1

Section 1.02	Governing Law		4

Section 1.03	Counterparts		5

Section 1.04	Ratification of Master Indenture and AdvantaSeries Indenture Supplement		5

	ARTICLE II
	The Class A(2007-A1) Asset Backed Notes

Section 2.01	Creation and Designation		6

Section 2.02	Interest Payment		6

Section 2.03	Determination of One-Month LIBOR.		6

Section 2.04	Required Deposits of Available Principal Collections to the Principal Funding Account; Payment of Principal		7

Section 2.05	Holders’ Rights to Payments of Interest and Principal		8

Section 2.06	Cash Collateral Account		8

Section 2.07	Spread Account		8

Section 2.08	Delivery and Payment for the Class A(2007-A1) Notes; Form and Denomination		8

Section 2.09	Manner of Payment of Class A(2007-A1) Notes		9

Section 2.10	Monthly Servicing Fee		9

	ARTICLE III
	Enhancement Level Changes

Section 3.01	Modifications to the AdvantaSeries Indenture Supplement		10

CLASS A(2007-A1) TERMS DOCUMENT, dated as of February 21, 2007 (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, as amended by Amendment No. 1 to the Master Indenture, dated as of May 9, 2006 (as amended and supplemented from time to time, the “Master Indenture”), between the Issuer and the Indenture Trustee. This Terms Document supplements the AdvantaSeries Indenture Supplement, dated as of November 1, 2004 (as amended and supplemented from time to time, 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,

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the Master Indenture or the Transfer and Servicing Agreement, the terms and provisions of this Terms Document shall be controlling;

(7) each capitalized term defined herein shall relate only to the Class A(2007-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, $25,000,000; 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(2007-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 May 31, 2011, 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(2007-A1) Notes and (c) the Class A(2007-A1) Final Maturity Date.

“Accumulation Period Factor” shall mean, for the purpose of calculating the Accumulation Period Length for the Class A(2007-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(2007-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 Class A(2007-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 Class A(2007-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

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the determination of the Accumulation Period Length may be changed at any time if the Rating Agency Condition is satisfied.

“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.

“Class A(2007-A1) Final Maturity Date” means January 20, 2015.

“Class A(2007-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(2007-A1) Asset Backed Note and duly executed and authenticated in accordance with the Master Indenture.

“Class A(2007-A1) Noteholder” means a Person in whose name a Class A(2007-A1) Note is registered in the Note Register.

“Class A(2007-A1) Note Interest Rate” means a rate per annum equal to 0.05% in excess of One-Month LIBOR as determined by the Indenture Trustee on each LIBOR Determination Date with respect to each Interest Period.

“Class A(2007-A1) Termination Date” means the earliest to occur of (a) the Principal Payment Date on which the Outstanding Principal Balance of the Class A(2007-A1) Notes is paid in full, (b) the Class A(2007-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 February 21, 2007.

“Eligible Institution” shall mean, with respect to any funds allocable to the Class A(2007-A1) Notes in the Collection Account, the Spread Account and the Principal Funding Sub-Account for the Class A(2007-A1) Notes, any “Eligible Institution” as defined in the Master Indenture, except that all references in such definition to “a long-term unsecured debt rating as required in each Indenture Supplement” shall mean long-term ratings of not less than AA- by Standard & Poor’s and Al by Moody’s, except that no such rating shall be required of an institution which maintains such Collection Account or such funds as a fully segregated trust account or subaccount with the corporate trust department of such institution as long as such institution maintains the credit rating of a Rating Agency in one of its generic credit rating categories which signifies investment grade.

“Eligible Investments” shall mean with respect to funds allocable to the Class A(2007-A1) Notes in the Collection Account, the Spread Account and the Principal Funding Sub-Account for the Class A(2007-A1) Notes, “Eligible Investments” as defined in the Master Indenture, except that all references in such definition to the rating “required in each Indenture Supplement” and “rating that satisfies the Rating Agency Condition” shall mean ratings of not less than A-1+ by Standard & Poor’s and P-1 by Moody’s.

“Expected Final Principal Payment Date” means February 21, 2012.

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“Initial Principal Balance” means $200,000,000.

“Interest Payment Date” means the scheduled due date of any payment of interest on the Class A(2007-A1) Notes, which shall be each Payment Date. The first Interest Payment Date shall be March 20, 2007.

“LIBOR Determination Date” shall mean (a) with respect to the first Interest Payment Date, (i) February 16, 2007 for the period from and including the Closing Date to but excluding March 20, 2007 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.

“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.

“Rating Agency” means, with respect to the Class A(2007-A1) Notes, each of Standard & Poor’s, a division of The McGraw-Hill Companies, Inc., and Moody’s Investors Service, Inc.

“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.

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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]

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ARTICLE II
The Class A(2007-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(2007-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(2007-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(2007-A1) Note Interest Rate in effect with respect to the related Interest Period, multiplied by (ii) the Outstanding Principal Balance of the Class A(2007-A1) Notes determined as of the Record Date preceding the related Interest Payment Date. Any interest on the Class A(2007-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(2007-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.

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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(2007-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(2007-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(2007-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 May 31, 2011, 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 close of business on the last day of the month prior to 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(2007-A1) Notes will be the Adjusted Invested Amount for the Class A(2007-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(2007-A1) Notes will be greater than zero, the required deposit to the Principal Funding Sub-Account for the Class A(2007-A1) Notes will be the Coverage Funding Required Amount for such Class A(2007-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(2007-A1) Notes and distribute to the Paying Agent for payment to the Class A(2007-A1) Noteholders the amounts deposited into the Principal Funding Sub-Account for the Class A(2007-A1) Notes pursuant to this Section 2.04.

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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(2007-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(2007-A1) Note 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(2007-A1) Noteholders to receive payments from the Issuer will terminate on the first Business Day following the Class A(2007-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(2007-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(2007-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(2007-A1) Notes; Form and Denomination.

(a) The Issuer shall execute and issue, and the Indenture Trustee shall authenticate, the Class A(2007-A1) Notes in accordance with Section 2.03 of the Master Indenture. The Indenture Trustee shall deliver the Class A(2007-A1) Notes to or upon the order of the Issuer when so authenticated. The Class A(2007-A1) Notes shall be Book-Entry Notes.

(b) The Depository for the Class A(2007-A1) Notes shall be The Depository Trust Company, and the Class A(2007-A1) Notes shall initially be registered in the name of Cede & Co., its nominee.

(c) The Class A(2007-A1) Notes will be issued in minimum denominations of $5,000 and integral multiples of $1,000 in excess of that amount.

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Section 2.09 Manner of Payment of Class A(2007-A1) Notes. Except as provided in Section 11.02 of the Master Indenture with respect to a final distribution, distributions to Class A(2007-A1) Noteholders hereunder shall be made by (i) check mailed to each Class A(2007-A1) Noteholder (at such Noteholder’s address as it appears in the Note Register), except that with respect to any Class A(2007-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(2007-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 March 20, 2007 Payment Date, the AdvantaSeries Monthly Servicing Fee allocated to the Class A(2007-A1) Notes shall be $111,111.

[END OF ARTICLE II]

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ARTICLE III
Enhancement Level Changes

Section 3.01 Modifications to the AdvantaSeries Indenture Supplement. The parties hereto acknowledge that, as of February 9, 2007, the Issuer and the Transferor adjusted the Class A Required Subordinated Amount, the Class B Required Subordinated Amount, the Class C Required Subordinated Amount, the Required Cash Collateral Account Amount and the Required Spread Account Percentage with respect to the AdvantaSeries, pursuant to Section 4.21 of the AdvantaSeries Indenture Supplement and the definition of “Required Spread Account Percentage” in the AdvantaSeries Indenture Supplement, as follows:

The percentage in the defined term “Class A Required Subordinated Amount” in the AdvantaSeries Indenture Supplement has been reduced from 21.5805% to 20.1201% such that the definition of “Class A Required Subordinated Amount” now reads in its entirety:

“Class A Required Subordinated Amount” shall mean, subject to modification in accordance with Section 4.21, as of any date of determination, an amount equal to the product of (i) 20.1201% (or 16.75 divided by 83.25) times (ii) the aggregate Adjusted Outstanding Principal Balance of the Class A Notes as of such date of determination; provided, however, that if a Pay Out Event has occurred with respect to the Class A Notes, then for so long as such Pay Out Event is continuing, the Class A Required Subordinated Amount will be the greater of (x) the Class A Required Subordinated Amount on the date of determination and (y) the Class A Required Subordinated Amount on the date immediately prior to the occurrence of such Pay Out Event.

The percentage in the defined term “Class B Required Subordinated Amount” in the AdvantaSeries Indenture Supplement has been reduced from 8.9918% to 8.4011% such that the definition of “Class B Required Subordinated Amount” now reads in its entirety:

“Class B Required Subordinated Amount” shall mean, subject to modification in accordance with Section 4.21, as of any date of determination, an amount equal to the product of (i) 8.4011% (or 7.75 divided by 92.25) times (ii) the aggregate Adjusted Outstanding Principal Balance of the Class A Notes and the Class B Notes as of such date of determination; provided, however, that if a Pay Out Event has occurred with respect to the Class B Notes, then for so long as such Pay Out Event is continuing, the Class B Required Subordinated Amount will be the greater of (x) the Class B Required Subordinated Amount on the date of determination and (y) the Class B Required Subordinated Amount on the date immediately prior to the occurrence of such Pay Out Event.

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The percentage in the defined term “Class C Required Subordinated Amount” in the AdvantaSeries Indenture Supplement has been reduced from 3.6269% to 3.3592% such that the definition of “Class C Required Subordinated Amount” now reads in its entirety:

“Class C Required Subordinated Amount” shall mean, subject to modification in accordance with Section 4.21, as of any date of determination, an amount equal to the product of (i) 3.3592% (or 3.25 divided by 96.75) times (ii) the aggregate Adjusted Outstanding Principal Balance of the Class A Notes, the Class B Notes and the Class C Notes as of such date of determination; provided, however, that if a Pay Out Event has occurred with respect to the Class C Notes, then for so long as such Pay Out Event is continuing, the Class C Required Subordinated Amount will be the greater of (x) the Class C Required Subordinated Amount on the date of determination and (y) the Class C Required Subordinated Amount on the date immediately prior to the occurrence of such Pay Out Event.

The percentage in the defined term “Required Cash Collateral Account Amount” in the AdvantaSeries Indenture Supplement has been reduced from 2.25% to 1.75% such that the definition of “Required Cash Collateral Account Amount” now reads in its entirety:

“Required Cash Collateral Account Amount” shall mean for any date of determination the sum of: the product of (a) 1.75%, subject to modification in accordance with Section 4.21, and (b) the Adjusted Outstanding Principal Balance of the Notes on such date of determination; plus the product of (a) the Negative Carry Reserve Percentage and (b) the amount of funds on deposit in the Principal Funding Sub-Accounts for each Tranche of Notes on such date of determination, provided, however, that for any date of determination on or after the occurrence and during the continuation of a Portfolio Decline Event such amount in clause (a) will be the sum of the Negative Carry Reserve Percentage and the Cash Collateral Account Floor, with respect to amounts deposited into to the Principal Funding Sub-Accounts for each Tranche of Notes during the Portfolio Decline Event; provided further, however, that a Portfolio Decline Event will continue for six (6) consecutive months after the conditions which gave rise to its occurrence no longer exist; provided, however, that for any date of determination on or after the occurrence and during the continuation of a Pay Out Event that affects all Notes, the Required Cash Collateral Account Amount will be the amount determined above for the date immediately prior to the date on which such Pay Out Event shall have occurred; and, provided further, that the

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Required Cash Collateral Account Amount will not exceed the Outstanding Principal Balance of the Outstanding Notes.

The defined term “Required Spread Account Percentage” in the AdvantaSeries Indenture Supplement has been modified by change the percentage 17.75% to 16.75% in the two places it appears such that the definition of “Required Spread Account Percentage” now reads in its entirety:

“Required Spread Account Percentage” shall mean, (i) 0.00%, if the Quarterly Excess Spread Percentage on such Payment Date is greater than or equal to 4.50%, (ii) 1.00%, if the Quarterly Excess Spread Percentage on such Payment Date is less than 4.50% and greater than or equal to 4.00%, (iii) 2.00%, if the Quarterly Excess Spread Percentage on such Payment Date is less than 4.00% and greater than or equal to 3.50%; (iv) 2.50%, if the Quarterly Excess Spread Percentage on such Payment Date is less than 3.50% and greater than or equal to 3.00%, (v) 3.00%, if the Quarterly Excess Spread Percentage on such Payment Date is less than 3.00% and greater than or equal to 2.00%, (vi) 4.00%, if the Quarterly Excess Spread Percentage is less than 2.00% and greater than 0.00%, and (vii) 16.75%, if the Quarterly Excess Spread Percentage is 0% or less; provided, however, if the Required Spread Account Percentage for any Payment Date is higher than the Required Spread Account Percentage for the immediately preceding Payment Date, the Required Spread Account Percentage shall not be subsequently decreased to a lower percentage until the first Payment Date on which the Quarterly Excess Spread Percentage for each of the three immediately preceding Monthly Periods has increased to a level above the then-current Required Spread Account Percentage, in which case the Spread Account Percentage shall be decreased to the appropriate percentage specified in clauses (i) through (vii) of the definition thereof; and provided further, that if a Pay Out Event with respect to all Notes has occurred (other than a Pay Out Event described in Section 6.01(d)), the Required Spread Account Percentage shall be 16.75% and shall no longer be subject to reduction; and, provided, further, that the Required Spread Account Percentage may be a lower amount designated by the Transferor, provided, that the Transferor shall provide the Servicer and the Indenture Trustee with evidence that the Rating Agency Condition with respect to such designation shall have been satisfied.

[END OF ARTICLE III]

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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/ Irene Siegel
	Name:	Irene Siegel
	Title:	Vice President

By:	/s/ Aranka R. Paul
	Name:	Aranka R. Paul
	Title:	Assistant Vice President

[Signature Page to Class A(2007-A1) Terms Document]