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<td>
<span class="bodyText style3">
<span class="style6">Dear Client<strong>,</strong></span><br />
<br />
<span class="bodySubtitle"><span class="style6"><span class="style7"><span class="style8"><span class="style9"><b>0% APR on Purchases and Balance Transfers for 12 months</b><br>
<br>
<b>No Annual Fee</b><br>
<br>
<b>No Balance Transfer Fee</b><br>
</span></span></span></span></span><span class="style9"><br>
<b>America's #1 Cash Rewards Program*</b><br>
</span>
<div class="bodyText style9" style="padding-bottom:13px; display:block;">
<ul class="nomargin6">
<li>10% <em>Cashback Bonus</em> on purchases in over 15 popular categories all year</li>
<li>10% <em>Cashback Bonus</em> and more at top online retailers
like Target.com, Overstock.com, iTunes and more through our
ShopDiscover website</li>
<li>Up to 9% <em>Cashback Bonus</em> on all other purchases automatically</li>
<li>Unlimited cash rewards that never expire</li>
<li>Increase your rewards when you redeem for gift cards from our 70
Cashback Bonus Partners</li></ul></div>
<span class="style9"><br />
<b>Complete Fraud Protection for Your Peace of Mind</b><br>
</span>
<div class="bodyText style9" style="padding-bottom:13px; display:block;">
<ul class="nomargin6">
<li>$0 fraud liability guarantee</li>
<li>Advanced fraud early warning alerts</li>
<li>Secure online Account numbers</li>
<li>Fraud specialists dedicated to helping you 24/7</li>
</ul>
</div>
<span class="bodySubtitle style9"><b>Customer Service That Puts You First</b></span><span class="style9"><br>
<div class="bodyText" style="padding-bottom:13px; display:block;">
<ul class="nomargin6">
<li class="style9">One call, we take care of it</li>
<li class="style9">Talk to a knowledgeable person in less than a minute</li>
<li class="style9">Easiest online Account options that put you in control</li>
<li class="style9">Timely e-mails to help you avoid fees</li>
</ul>
</ul>
<img
src="http://www.discovercard.com/discover/images/shared/clear.gif"
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<span class="footerText">
<br /><br />
<img src="http://www.discovercard.com/discover/images/main_tn/discover_logo_footer.gif" width="186" height="28" border="0"><br>
<span class="style2">©2007 Discover Bank, Member FDIC<br>
A Morgan Stanley Company</span><br>
</span>
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