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Terms of Useor call 1-800-347-7000By accessing this Web site, you agree to the following Terms of Use. If you do not agree to these Terms of Use, do not access this Web site. Discover Bank ("the Bank") reserves the right to change these Terms of Use, and your continued use of this Web site constitutes agreement to all such changes. The Bank means Discover Bank and its subsidiaries.

Uses of this Web SiteThis Web site is intended for personal, non-commercial use. You may print, copyand download any information or portion of this Web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwiseuse in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Web site, except for the purposes expressly provided herein, without the Bank's prior written approval. Unauthorized use of this Web site and or any Bank systems, including, butnot limited to, unauthorized entry into the Bank's systems, misuse of passwordsor misuse of any other information, is strictly prohibited. You may not use thisWeb site in any manner that could damage, disable, overburden, or impair any Ba

nk site or service or interfere with any other party's use and enjoyment of anyBank site or service. You may not attempt to gain unauthorized access to any Bank site or service, computer systems or networks connected to any Bank site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this Web site that are contrary to applicable laws or regulations.

The Bank reserves the right, in its sole discretion, without any obligation andwithout any notice requirement, to change, improve or correct the information, materials and descriptions on this Web site and to suspend and/or deny access tothis Web site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this Web site may contain typographical errors or inaccuracies. Any dated information is published as of its dat

e only, and the Bank does not undertake any obligation or responsibility to update or amend any such information. The Bank may discontinue or change any productor service described in or offered on this Web site at any time.

Disclaimer of Warranty and Limitation of LiabilityThe information, products and services on this Web site are provided on an "AS IS," and "AS AVAILABLE" basis. The Bank does not warrant the information or services provided herein or your use of this Web site generally, either expressed orimplied, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. The Bank will not be responsible for any loss or damage that could result from interception by third parties of an

y information or services made available to you via this Web site. Although theinformation provided to you on this Web site is obtained or compiled from sources we believe to be reliable, the Bank cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made availableto you for any particular purpose. Neither the Bank, nor any of its affiliates,directors, officers or employees, nor any third party vendor, will be liable orhave any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Web site, or resulting from the act or omission of any other party involved in making this Web site, the data contained herein or the products or services offered on this Web site available toyou, or from any other cause relating to your access to, inability to access, oruse of the Web site or these materials, whether or not the circumstances givingrise to such cause may have been within the control of the Bank or of any vendo

r providing software or services. In no event will the Bank or any such partiesbe liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if t

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he Bank or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your Internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. TheBank cannot and does not guarantee continuous, uninterrupted or secure access to

the Web site.

Proprietary RightsAll rights, titles and interest in this Web site and any content contained herein is the exclusive property of the Bank, except as otherwise stated. Unless otherwise specified, this Web site is for your personal and non-commercial use onlyand you may print, copy and download any information or portion of this Web sitefor your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from,transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained fromthis Web site, except for the purposes expressly provided herein, without the B

ank's prior written approval. If you copy or download any information or software from this Web site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

DISCOVER and the other trademarks, logos, and service marks displayed on this Web site (collectively the "Trademarks") are the trademarks of Discover FinancialServices or their respective third-party owners. Under no circumstances may youalter, modify, or change these Trademarks. You are prohibited from using the Trademarks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of the Bank or such third party, which may own the Trademarks.

Pursuant to Section 512(c)(2) of the Copyright Act, the Bank designates the foll

owing agent to receive notifications of claimed infringement: Roger Bartos, Discover Bank, 2500 Lake Cook Road, Riverwoods, IL 60015; fax: 1-224-405-3555; legal@discoverfinancial.com.

LinksThis Web site contains links to third-party Web sites. These links are providedonly as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by the Bank of any information contained in any third-party Web site. In no event shall the Bank be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware thatthe terms and conditions of such site and the site's privacy policy may be different from those applicable to your use of this Web site.

Web Beacons and CookiesThe Bank uses certain technology known as "Web beacons" on its Web sites and insome of its e-mails to collect information from visitors and compile aggregate statistical information about how visitors use our Web sites and e-mails, including information relating to the frequency of visits, the average length of visits, which pages are viewed during a visit, and the effectiveness of advertising onour Web sites and e-mails. The Bank uses this information to improve the Web site content and performance. No personally identifiable information is shared with any third party.

The Bank also uses a permanent cookie file to uniquely identify your computer as

you visit the Web site from time to time. No personally identifiable information is collected or shared with any third party using this cookie. If you ask us to "remember" your user ID, we will also create a permanent cookie for this purpo

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se. In addition, the Bank uses a temporary cookie file to recognize your computer as you move from page to page on the Web site. The cookie is deactivated whenyou conclude your session. Because this cookie is stored only in your computers temporary memory, it is deleted when you close your browser software. Most Web browser software allows you to modify your preferences to be notified when a cookie is set, or to reject all cookies. If you choose to reject our cookies, some areas of our Web site may not function properly.

MiscellaneousThese Terms of Use shall be governed by and construed in accordance with the laws of the state of Delaware, without regard to conflicts of laws provisions. Soleand exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use shall be in an appropriate state or federal court located in the state of Delaware and the parties unconditionally waive their respective rights to a jury trial. Any cause of action you may have with respect to youruse of this Web site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction findsany provision of these Terms of Use, or a portion thereof, to be unenforceable,that provision shall be enforced to the maximum extent permissible so as to aff

ect the intent of these Terms of Use, and the remainder of these Terms of Use shall continue in full force and effect. Except for the Account Agreement and Privacy Policy respecting any Account you may have with the Bank, these Terms of Useconstitutes the entire agreement between the Bank and you with respect to thissite and it supersedes all prior or contemporaneous communications, agreements and understandings between the Bank and you with respect to the subject matter hereof.

These Terms of Use were last updated June 10, 2008. Please check back for updates and changes.