Discover Cards

Discover Network is a fullservice payments Network that supports acceptance and usage of Discover Network credit, debit and storedvalue cards. As the largest independent payments Network in the U.S., we connect Cardholders to more than 4 million Merchant and cashaccess locations throughout North America. Our ongoing commitment to expand our offerings to the marketplace led to our 2005 merger with PULSEEFT Association, one of the nations fastest growing ATM/debit networks. PULSE currently serves more than 4,100 banks, credit unions and savings institutions across the country, allowing an estimated 90 million consumers to access their money anywhere, anytime at nearly 300,000 ATMs and 3.2 million pointofsale terminals.

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A new era of choice
Recent changes in the payments industry have ushered in a new era of competition and better choices for Issuers, Acquirers, Merchants and Cardholders. Discover Networks 20year track record of secure, efficient card acceptance with straightforward operating rules, positions us to deliver a fresh alternative to other payments options.

A simple, collaborative approach
Understanding that a successful payments Network must be flexible and responsive to the needs of all its customers, we work hard to deliver a truly collaborative Network experience. Thats why Discover Network offers involvement by all constituents, and a sense of fair play, whether youre a large Financial Institution or a small business.

A reputation for value We also offer a suite of specialty products and services that help Merchants, Issuers and Processors drive sales and provide pointofsale convenience for consumers ... such as Cash Over, MiniNetworks and proactive fraud prevention tools, to name a few. We continue to find new ways to add value for everyone who comes in contact with Discover Network.

Discover Network is a division of Discover Financial Services LLC a business unit of Morgan Stanley.

2005 Discover Financial Services LLC A Morgan Stanley Company