Receiving Communications In Electronic Form

Discover Home Loans may choose to electronically deliver information related to its services and your requests. Through submission of your loan request, you expressly consent to receive communications from Discover Home Loans ("Communications") in connection with your loan request in electronic form. You can choose to withdraw your consent to receive Communications in electronic form at any time as described below. Communications may transmit or convey information about the status of your loan request as well as other information. You agree to receive all current and future Communications and to do business electronically with Discover Home Loans. This means that Discover Home Loans may communicate with you by sending a message to the email address you provided. You agree that you meet the below hardware and software requirements and are able to access and retain copies of Communications made available electronically.

A. Hardware and Software Requirements

Before you decide to do business electronically with Discover Home Loans, you should consider whether you have the required hardware and software capabilities described below. While you may be able to access and retain the Communications using other hardware and software, your personal computer needs to support the following requirements: Access to the Internet and an Internet browser which supports 128-bit SSL encryption, such as:

Microsoft Internet Explorer 7 and higher

Firefox 3 and higher

Most Communications are provided in either HTML and/or PDF format. For Communications provided in PDF format, Adobe Acrobat Reader 7.0 or later version is required. A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at www.adobe.com. Communications are provided by email. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. To print or download Communications you must have a printer connected to your computer or sufficient hard-drive space (approximately 1 MB) to store the Communications.

B. Withdrawing Consent

You may withdraw your consent to do business electronically in connection with your Discover Home Loans loan request at no cost to you. If you choose to withdraw your consent in connection with your loan request, you can receive future Communications in paper form, by U.S. mail at no charge to you by contacting 1-866-219-0257. If you decide to withdraw your consent, the legal validity and enforceability of electronic Communications previously provided to you will not be affected.

C. Changes to Your Contact Information

You should keep us informed of any change in your email or U.S. postal mailing address. You may contact Discover Home Loans by telephone at 1-866-219-0257 regarding any such changes.