Earn a $25 cash bonus when you open a Discover® Online Savings Account, named MONEY® Magazine’s “Best Savings Account” for 2011.1

With a Discover Online Savings Account, you get great rates and so much more:

• Earn a rate over 5X the national savings average4

• No monthly fees and a low $500 minimum opening deposit

• Deposits are FDIC insured up to the maximum allowed by law

Start saving with Discover today.

Sincerely,

Daniel Matysik Vice President, Deposit Products

P.S. All savings accounts are not equal. Make sure you’re earning one of the best rates available. Open a Discover Online Savings Account and get a $25 cash bonus!

CODEXXX

by MONEY ® Magazine for 20112

Discover® Online Savings Account named

Offer Code: XXXXXXXXX

OPEN YOUR ACCOUNT TODAY!

DiscoverBank.com

1-888-728-3150U.S.-based Banking Specialists available 24/7

Act now and earn$25 cash bonus!

X.XX%apy3

Online Savings AccountAs of xx/xx/xxxx

<<Member Name>><<Street Address>><<Apartment #>><<City, State ZIP>>

Dear Sample A. Sample,

1 The $XX offer is valid through 11/30/12. Limit one offer per customer. Offer good on any Discover Bank account (excluding IRA CDs). To receive the cash offer, Offer Code XXXXXX must be used when applying and a minimum deposit of $10,000 in new funds must be received by 12/31/12. At least $10,000 must remain in the account until 12/31/12. The $XX will be credited to your Discover Bank account 6 to 8 weeks after 12/31/12. Cash offer is considered interest income and will be reported on IRS Form 1099-INT. Offer may be withdrawn at anytime without notice.

2 From MONEY Magazine, September 2011 ©2011 Time Inc. MONEY is a registered trademark of Time Inc. and is used under license. MONEY and Time Inc. are not affiliated with, and do not endorse, products or services of Discover.

3 Annual Percentage Yield (APY) is valid as of XX/XX/XXXX. This offer applies to personal accounts only. Fees could reduce the earnings on the account. Rates may change at any time without prior notice, before or after the account is opened. Minimum opening balance is $500.

4 The APY for the Online Savings Account as of XX/XX/XXXX is more than five times the national average APY for interest-bearing savings account with balances of $500 as reported by Informa Research Services, Inc. as of XX/XX/XX. Rates are subject to change at any time. Although the information provided by Informa Research Services has been obtained from the various institutions, accuracy can not be guaranteed.

©2012 Discover Bank, Member FDIC CODEXXX