Certificates of Deposit

* Additional disclosures will be given at the time of account opening. The interest rate, percentage yield and service fees may change at any time. Interest begins to accrue on the business day cash items are deposited to the account. All other types of items deposited (non-cash items, such as checks not drawn on Discovery Bank, for example) will begin to accrue interest when funds become collected. Interest accrues daily and will be credited to the account monthly at the statement cycle. If the account is closed before interest is credited, accrued interest will not be paid. Time deposits may have interest paid at maturity. Additional penalties may apply. Interest is not compounded.