Welcome to Discover Bank!

A Message from the President of Discover Financial Services

We're pleased to welcome E*TRADE customers to Discover Bank. The funds in your E*TRADE
Complete Savings Account have been converted to a Discover Online Savings Account.

Information has been mailed with details about your new account. If you have not received this
letter please call us at 1-800-717-9833 and a Banking Specialist will provide you with your Discover
Bank Account Number. You may view and print the Account Agreement and Privacy Policy
online in PDF format.

Here are some of the great things you can look forward to as a Discover Bank customer:

Earn more, faster.

At Discover Bank your money earns competitive rates that have consistently beat
the national average. In fact, the yield on the Discover Online Savings Account is
5X the national savings average! Plus, interest compounds daily, so you'll earn faster.

Choose from a complete range of smart savings products.

In addition to our Online Savings Account, Discover Bank offers
Money Market Accounts, CDs, and Roth and Traditional IRA CDs.

Manage your accounts with 1-click convenience.

The Discover Bank Account Center puts you in control of an easy and enjoyable
online banking experience. Visit DiscoverBank.com and take an online tour of the
Account Center today.

Access your money easily.

Schedule fast and free money transfers, view statements, and enroll in our
free AutoSavers program—a service that helps you reach your savings goals
using automatic transfers from any checking or savings account.

Help is always available.

Our helpful Banking Specialists are available 24 hours a day, 7 days a week
at 1-800-717-9833 to answer questions or provide technical support.