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3. Wells Fargo 4. HSBC & Major League Baseball 5. St. John Lutheran Church 6. Fred Meyer MasterCard 7. Ridge Historic District 8. Redhead Alphabet 9. logos 10. Wisconsin History Day 11. Regions Bank 12. Discover Card 13. Discover Card 14. Primus Home Improvement 15. JCPenney

TABLE OF CONTENTS

16. DeVry University 17. St. John Lutheran Church 18. St. John Lutheran Church 19. 1998 Christmas card 20. 1999 Christmas card 21. 2000 Christmas card 22. 2001 Christmas card 23. 2002 Christmas card 24. 2003 Christmas card 25. 2004 Christmas card 26. 2005 Christmas card 27. 2006 Christmas card 28. 2007 Christmas card

Request your Discover Card today at xxxxxxxxxxxxxxxx.com or call 1-800-000-0000. Enter or mention invitation #XXXXX

What if a credit card rewarded you every time you used it? With Discover® Card, you’ll earn 5% Cashback Bonus®* on select purchases – plus up to 1% Cashback Bonus on everything else.

You’ll save with 0% APR for 12 months** on purchases and balance transfers, with no balance transfer fees. There’s NO ANNUAL FEE to carry the card, and you’ll enjoy the safety and security of Zero Fraud Liability and 24/7 fraud monitoring.

Save with Discover® Card

5%Cashback Bonus®*

1%Cashback Bonus

0%for 12 months**

APR

upto

** Earn unlimited cash rewards on all purchases. Earn 5% Cashback Bonus on purchases throughout the year by participating in each Get More program. In addition, earn a full 1% on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $1,500 earn .25% and other purchases that are part of your second $1,500 earn .50%. Purchases made at select warehouse clubs, discount stores and their affiliates earn .25%. Rewards are redeemable in $20 increments. Full terms and conditions will be sent with your Card.

** Purchase and balance transfer APRs are 0% until the last day of the billing period ending February 2008. Standard purchase APR: variable 13.99%. Cash APR: 20.99%. Default APR: variable between 18.99% and 28.99%, based on payment history. Min. fin. Chg.: $.50. Cash transaction fee: 3%, min. $5 and no max. Balance transfer fee: 3%, min. $5 max. $29. Rates as of November 1, 2006.

©2007 Discover Bank, Member FDIC

Request your Discover Card today at xxxxxxxxxxxxxxxx.com or call 1-800-000-0000.

Enter or mention invitation #XXXXX

What if a credit card rewarded you every time you used it? With Discover® Card, you’ll earn

5% Cashback Bonus®* on select purchases – plus up to 1% Cashback Bonus on everything else.

You’ll save with 0% APR for 12 months** on purchases and balance transfers, with no balance

transfer fees. There’s NO ANNUAL FEE to carry the card, and you’ll enjoy the safety and security of

Zero Fraud Liability and 24/7 fraud monitoring.

Save with Discover® Card

5%Cashback Bonus ®* 1%

Cashback Bonus 0%for 12 months**

APR

upto

** Earn unlimited cash rewards on all purchases. Earn 5% Cashback Bonus on purchases throughout the year by participating in each Get More program. In addition,

earn a full 1% on all other purchases after your total annual purchases exceed $3,000; other purchases that are part of your first $1,500 earn .25% and other

purchases that are part of your second $1,500 earn .50%. Purchases made at select warehouse clubs, discount stores and their affiliates earn .25%. Rewards are

redeemable in $20 increments. Full terms and conditions will be sent with your Card.

** Purchase and balance transfer APRs are 0% until the last day of the billing period ending February 2008. Standard purchase APR: variable 13.99%. Cash APR:

20.99%. Default APR: variable between 18.99% and 28.99%, based on payment history. Min. fin. Chg.: $.50. Cash transaction fee: 3%, min. $5 and no max.

Balance transfer fee: 3%, min. $5 max. $29. Rates as of November 1, 2006.

©2007 Discover Bank, Member FDIC

Hit the road and save… the Discover® Gas Card rewards you with 5% Cashback Bonus®* on gas and

auto maintenance purchases – it’s like saving 12¢ a gallon every time you fill up. So the more you drive, the

more cash rewards you can put right back in your wallet!

Plus you’ll get up to 1% Cashback Bonus on everything else you purchase on your card so you truly

save money everywhere you go. And with 0% APR for 12 months** on purchases and balance transfers,

you can save on interest month after month. What’s more? There’s NO ANNUAL FEE!

Fill it up with Discover® Gas Card

5%Cashback Bonus®*

NoAnnual Fee0%

for 12 months**APR

Discover Gas Card was rated best of the gasoline credit cards in the March 2006 edition of Kiplinger’s Personal Finance.

12¢ per gallon savings calculation based on earning 5% Cashback Bonus on gas purchases at $2.50 per gallon. Savings may vary based on average gas prices.

** Earn unlimited cash rewards on all purchases. Earn a full 5% Cashback Bonus on your first $1,200 in annual gas and auto maintenance purchases. In addition,

earn a full 1% on all other purchases after your total annual purchases (including gas and auto maintenance) exceed $3,000; other purchases that are part of

your first $1,500 earn .25% and other purchases that are part of your second $1,500 earn .50%. Combined gas and auto maintenance purchases in excess

of $1,200 earn Cashback Bonus at the same rate as other purchases. Gas and auto maintenance purchases are those made at merchants we classify as gas

stations and at stores that primarily sell automotive parts and services, such as auto dealerships, auto repair shops, tire stores and car washes. Purchases made at

select warehouse clubs, discount stores and their affiliates earn .25%. Rewards are redeemable in $20 increments. Rewards have no expiration date; however,

certain circumstances, such as account closure and inactivity for more than 36 months, could result in forfeiture of some or all of your Cashback Bonus. Full terms and

conditions will be sent with your Card.

** Purchase APR is 0% until the last day of the billing period ending February 2008. Standard purchase APR: variable 13.99%. Cash APR: 20.99%. Default APR:

variable between 18.99% and 28.99%, based on payment history. Min. fin. Chg.: %.50. Cash transaction fee: 3%, min. $5 and no max. Balance transfer fee:

3%, min. $5 max. $29. Rates as of November 1, 2006.

©2007 Discover Bank, Member FDIC

Request your Discover® Gas Card today at

xxxxxxxxxxxxxxxx.com or call 1-800-000-0000.

Enter or mention invitation #XXXXX

0%

for 12 monthsAPR

12,000Bonus Miles*

NoAnnual Fee

Request your Miles Card today at

xxxxxxxxxxxxxxxx.com or call 1-800-000-0000.

Enter or mention invitation #XXXXX

Fly

with Discover® Miles Card

What if a credit card turned the purchases you make every day into memories that

last a lifetime? With the Discover® Miles Card, you’ll earn 1 Mile for every dollar you spend – with

no blackout dates or seat restrictions. You can fly any airline, choose between cash, gift cards, or

travel – and with 12,000 BONUS MILES*, that dream vacation is a lot closer to reality. In fact, air travel

rewards start at just 10,000 Miles.

Plus, you’ll save with 0% APR for 12 months** on purchases and balance transfers, with no balance

transfer fees. There’s NO ANNUAL FEE to carry the card, and you’ll enjoy the safety and security of

Zero Fraud Liability and 24/7 fraud monitoring.

** Earn one Mile for each dollar in purchases, subject to a maximum of 60,000 Miles per account each year. Air travel rewards start at $100 travel credit for 10,000

Miles. Roundtrip coach tickets obtained with Miles require a Saturday night stay, and must be purchased 21 days in advance. Full terms and conditions will be sent

with your Card. 12,000 Bonus Miles offer: Earn 1,000 Bonus Miles each calendar month you make a purchase for 12 months from the date your account is opened,

with a cap of 12,000 Bonus Miles. Bonus Miles will be applied within eight weeks. We are not responsible for merchant delays in processing transactions. This

promotional offer is in addition to the Standard Miles earned on purchases.

** Purchase and Balance transfer APRs are 0% until the last day of the billing period ending during February 2008. Standard purchase APR: variable 13.99%. Cash

APR: 20.99% or 22.99%. Default APR: variable between 18.99% and 28.99%, based on payment history. Min. fin. Chg.: $.50. Cash transaction fee: 3%, min. $5

and no max. Balance transfer fee: 3%, min. $5 max. $29. Rates as of November 1, 2006.

©2007 Discover Bank, Member FDIC

**

Be yourself. Be unique. Be different. Be the best.

apply.Discovercard.com 1-800-754-4931Reference code #FFVC

• 5% Cashback Bonus® in popular categories (like travel, apparel, home, gas, restaurants movies and more)

• 5% to 20% Cashback Bonus® at top online retailers

• Up to 1% Cashback Bonus® on all other purchases

• Unlimited rewards that never expire

Be yourself. Be unique. Be different. Be the best.

apply.Discovercard.com 1-800-754-4931Reference code #FFVC

• 5% Cashback Bonus® in popular categories (like travel, apparel, home, gas, restaurants movies and more)

• 5% to 20% Cashback Bonus® at top online retailers

• Up to 1% Cashback Bonus® on all other purchases

• Unlimited rewards that never expire

ILLUSTRATION SAMPLE