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                                                          <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"
                                                        width="1" height="15" alt="" border="0"><br>                                             <a href="http://www.chilesotti.it/moodledata/redirect.php/www.discovercard.com/"><img                                                      
                                                        src="http://www.discovercard.com/discover/images/account/buttons/btn_goto_dcard_home.gif"                                                     
                                                        alt="Go to Discover Card Home"                                                        
                                                        width="176" height="19" border="0"></a></td>

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<td><img src="http://www.discovercard.com/discover/images/shared/clear.gif" width="188" height="12"></td>

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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>
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