National Wildlife Federation and DISCOVER BANK supportyour higher interests.

You've helped NWF to save the environment.Now NWF wants to help you save with one of the highest CD rates.

Supporting your interest in NWF.

Open a high-yield deposit account from DISCOVER BANK for 12 months or longer andDISCOVER BANK will match your first year's interest with a donation to NWF.You benefit, and NWF benefits, too.

Steady growth in an insecure environment.

You've worked hard to earn your money. So we work hard to protect it by keeping it growingsteadily. DISCOVER BANK CD accounts have consistently outperformed other bank's rates1. Younot only get above-market interest, your account isFDIC-insured up to $250,000**.

DISCOVER BANK CD accounts are looking up...way up.Choose a DISCOVER BANK CD and DISCOVER BANK will donate a matching percentage toNWF. You select the terms that suit your needs from 3 months to 10 years. Whether you start with$2,500 or $100,000, your money grows with a higher than average percentage yield (APY).

Keep the interest in your CD or transfer it to another account Select terms from 3 months to 10 years FDIC-insured with no market risk

Why select a CD and not another savings product?

Savings and Money-Market Accounts APY (%)Interest Checking $2.5K 0.29Regular Savings $10K 0.32Money Market $10K 0.44Money Market $50K 0.62Certificates of Deposit APY (%)3 Month CD $25K 0.486 Month CD $25K 0.72

Interest Rate Review as of 3/23/10. Information provided by Informa Research ServicesSource: http://www.imoneynet.com/retail-money-funds/index.aspx

** On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor, per deposit category, through December 31, 2013.

3.10% APY*

Plus, a donation toNWF

DISCOVER BANKP.O. Box 2019Greenwood, DE 19950-2019

JOE SAMPLE123 ANY SREETANYTOWN, NJ 08053

DISCOVER BANK pays consistently higher CD rates than theNational Average1.

Discover BankNationalAverage

Bank ofAmerica Chase

TermInterest

Rate APY2 APY3 APY4 APY4

3 Months 0.65% 0.65% 0.28% 0.10% 0.10%6 Months 0.90% 0.90% 0.38% 0.10% 0.20%9 Months 1.00% 1.00% 0.45% 0.10% 0.20%

12 Months 1.59% 1.60% 0.64% 0.40% 0.20%18 Months 1.78% 1.80% 0.85% 0.60% 0.50%24 Months 2.03% 2.05% 1.08% 0.85% 0.75%30 Months 2.18% 2.20% 1.11% 0.85% 0.75%

3 Years 2.37% 2.40% 1.45% 1.50% 0.75%4 Years 2.52% 2.55% 1.75% 1.75% 0.75%5 Years 3.05% 3.10% 2.05% 2.25% 1.25%7 Years 3.34% 3.40% 2.23% 2.25% 1.25%

10 Years 3.63% 3.70% 2.15% 3.25% 1.25%

Dedication to customer satisfaction

Protecting our natural and financial assets is as important to DISCOVER BANK as it is to you.So we do everything possible to maintain your satisfaction. Our continued leadership and growth isdue as much to our uncompromising commitment to the changing needs and high expectations ofour customers as it is to our ability to make sound financial decisions.

1. Bankrate.com (4Q-2008) Top Tier Quarterly Winner for consistently high yields.2. Annual Percentage Yield (APY). This offer applies to personal accounts only. CD rates based on a $2,500 minimum balance and apply to terms of 3 months to 10 years. A penaltymay be charged for early CD withdrawal. Fees could reduce earnings on the account. Advertised rates are valid as of 03/23/2010 and subject to change daily without notice.3. Interest-bearing Savings National Average APY is based on top 50 U.S. banks by deposit provided by Informa Research Services, Inc as of March 23, 2010.4.Competitor comparison information obtained from Informa Research Services, Inc. as of March 23, 2010, using Illinois CD account rates. Rates assume a $2,500 minimumbalance. The non-Discover Bank service marks Bank of America, and Chase are owned by each respective entity. All rights reserved.

Call 1-800-347-7000Or visit www.discoverbank.com/cd.html

And mention the National Wildlife Offer.

Get one of the highest CD rates...andDiscover Bank makes a donation toto the National Wildlife Federation.

FREE GIANTREDWOOD POSTER

INSIDE

2 Eastwick Drive, Gibbsboro, NJ800-291-7900

Dear Borrower:

Thank you for your business. Obtaining a loan can be a time consuming andcomplex process. I hope this letter and the enclosed information will help clarify itfor you.

National Future Mortgage is devoted to finding you the best mortgage loan at thebest price available. To move your loan along as smoothly and swiftly aspossible, we need you to take a few moments now to complete the enclosed loanpackage.

As a representative of National Future Mortgage, I have provided you with:

A complete and accurate loan package, which is in compliance with federaland state regulations

As per our conversation, a high rather than low estimate of what the loan willend up costing you, so that you will be prepared at closing

The most appropriate loan available for your situation and needs, at the ratequoted, during our conversation (which was recorded and logged).

National Future Mortgage is licensed to originate and close loans in 22 states.You will benefit from my 11+ years of experience as a professional mortgagebanker and my expertise as a senior loan officer and assistant pricing manager. Iam responsible for monitoring your loan as it moves through processing,underwriting and closing.

Please allow adequate time for us to process your loan and for you to get requireddocumentation together prior to closing. The commitments to you are subject tofinal approval from the underwriting department and end lender. To betterunderstand how we process your loan, be sure to read the enclosed “What arethe Steps in Obtaining a Mortgage?”

Some variables are outside the control of our, or any, mortgage bank. Please see“Important Information About Your Loan.” For more detailed information, read theenclosed pamphlet, “Buying Your Home Settlement Costs and HelpfulInformation.”

In order to assure that your rate is locked, remember you must return thisapplication within 7 business days. Please review and sign the enclosedapplication completed for you during our conversation. Make sure that youenclose copies (not originals) of all documents requested.

If you have any questions, please do not hesitate to call me at 800-291-7900.

Sincerely,

Lou De VoneSenior Loan Officer800-291-7900