Save with a 12 month CD that's built for uncertain times.

3 Competitor comparison information obtained from Informa Research Services, Inc. as of March 9, 2010, using Illinois CD account rates. Rates assume a $2,500 minimum balance and a 12 month term. When no competitor rate is available a dash "–" is displayed. The non-Discover Bank service marks Bank of America, Chase, and Wachovia Bank are owned by each respective entity. All rights reserved.

4 Bankrate.com (3Q-2009) Safe and Sound^® Star Ratings.

5 National Average APYs based on top 50 U.S. banks by deposit provided by Informa Research Services, Inc. as of 03/9/2010.

* The Discover Bank "No Penalty CD" benefit applies to 12-month Certificates of Deposit and/or 12-month IRA Certificates of Deposit** ("CD") opened or renewed between July 1, 2009 and December 31, 2009 and held as a sole ownership or joint-tenant account. The No Penalty CD Benefit ("Benefit") waives the Early CD Withdrawal Penalty fee in the event an Accountholder experiences involuntary*** job loss.

In order to qualify for the Benefit the following conditions apply: Accountholders employed by a business or organization must: (1) be employed full time**** when the CD was opened or renewed, and for 30 days thereafter (2) involuntarily lose his/her full-time job and (3) provide proof of unemployment to Discover Bank.

Accountholders who are self-employed when CD was opened or renewed must have suffered one of the following events after account opening or renewal: (1) business property or inventory damage; or (2) business closure for at least 5 business days due to fire or flood. Proof of such event will be required at time of request. The Benefit does not apply within the first 30 days of account opening or renewal.

The Accountholder must complete, sign, notarize and return proof of unemployment and/or other documents requested by Discover Bank to Discover Bank via facsimile and certified mail, return receipt requested. If Accountholder is deemed ineligible for the Benefit, Discover Bank will contact the Accountholder to confirm the withdrawal request. To apply for Benefit or for any questions about the Benefit, Accountholder must contact Discover Bank toll free at 1-800-347-7000 or write to Discover Bank, PO Box 2019, Greenwood, DE 19950.

** Benefit does not apply to Early Distribution Penalty on IRA CDs assessed by the IRS.

*** Involuntary job loss means the loss of employment due to layoff, general strike, lockout or involuntary termination and excludes termination for cause or termination resulting from Accountholder resignation, retirement or a leave of absence.

**** Full time means working at least 30 hours per week (15 hours per week if a full-time student).