*Kiva.org (Kiva) uses the terms “loan”, “micro-loans” and “lending” to describe its and your activities through Kiva. To avoid confusion, Advanta uses the term “grant” because, unlike in a true lending situation, you have no legal right to, and there is no guarantee of, repayment of funds you provide from Kiva, the ultimate recipient of the funds or anyone else. The funds you provide through Kiva are combined with funds from others and are provided by Kiva to a microfinance institution (a foreign lender or bank) to lend to a small business or entrepreneur in a developing country. If you use your Advanta BusinessCard to make a grant, you must repay Advanta for any amounts charged as required by your cardholder agreement whether or not you are repaid. Any grant or “loan” made through Kiva is administered solely by a microfinance institution chosen by Kiva. Advanta Corp. and its affiliates have no responsibility for or control over any such grant; the use, interest charged on, repayment or collection of the loan resulting from your grant; the repayment of funds to you; any legal issues relating to the transaction, Kiva or the microfinance institution; the Kiva website; or the security and privacy policies and practices of Kiva and the Kiva website.

^[1] Up to $200 per account per month in total.

^[2] $0 Fraud Liability applies so long as you have exercised care to safeguard your card and your account and your improper conduct is not a factor, you have not reported more than one incident of unauthorized use on this account in the past year, you cooperate with any investigation, and your account is in good standing.

^[3] A balance transfer fee of 3% (min. $5, max. $90) applies. See Terms and Conditions for other rates, fees and important information.

^[4] Each year, earn a 5% rebate on the first $1,200 of Bonus Qualifying transactions, and up to 1% on other purchases made with your Kiva BusinessCard. See Reward Program Rules for additional important information, benefits and limitations.