Diners Club International Ltd

Discover Financial Services is one of the fastest growing card lines and is accepted by more than four million merchant partners and cash access locations throughout the United States. More than a credit card company, Discover Financial Services is part of the credit services business unit of Morgan Stanley, one of the world s pre-eminent financial services firms. Discover Financial is also a major presence on the Internet. Its highly successful Web site www.discovercard.com - has more than seven million registered account holders, and was recognized as one of the top 50 business sites on the World Wide Web by CIO Magazine. In addition to its Riverwoods, Ill., headquarters, Discover Financial Services maintains operation centers in the United States and the United Kingdom.