Net Bank

Delta Air Lines

SkyMiles Members Can Now Earn 
Up to 7,000 Miles for Online Banking

NetBank has partnered with Delta Air Lines to enable SkyMiles members an additional opportunity to earn miles for using various NetBank services.

Members can now earn a one-time bonus of up to 7,000 miles when registering for NetBank services, such as online checking accounts, money market accounts, direct deposit and online bill payment services.

"NetBank's services are designed to meet the needs of busy professionals, like business travelers, allowing them to bank when, where and how they like," said Eve McDowell, chief sales & customer fulfillment executive for NetBank. "We encourage SkyMiles members to bank in the industry's most convenient and versatile setting while earning a considerable amount of miles at the same time."

    SkyMiles can be earned with NetBank in the following ways:

    --  2,500 miles for opening and funding a NetValue or SuperValue
        checking account;

    --  2,500 miles for opening and funding a NetVantage Money
        Market(TM) Account;

    --  1,500 miles for initiating direct deposit with NetBank; and

    --  500 miles for enrolling in and using NetBank's online bill
        payment service.

Members can learn more about earning miles through NetBank services by visiting www.netbank.com/delta.

"We are excited to provide our SkyMiles members with yet another way to earn miles through services that fulfill everyday needs," said Christine Pierce, Delta's director of Partnership Marketing. "The flexibility of NetBank's services and the generous mileage offer create a valuable opportunity for our members who are constantly on the go."

All standard SkyMiles program rules and conditions apply. To join Delta's SkyMiles program, visit www.delta.com/skymiles.

About NetBank

NetBank(R) is the country's first commercially successful Internet bank. NetBank currently has $2.4 billion in deposits and serves customers in all 50 states and more than 20 foreign countries. Its full line of financial services is designed around the needs and lifestyles of its customers. Through a branchless business model, NetBank operates at a fraction of the cost of a traditional bank. Since its start in 1996, NetBank has passed its cost savings to customers through more competitive deposit rates and free account services, such as online bill payment. Through its mortgage lending subsidiaries, Market Street Mortgage(R) and RBMG(R), NetBank ranks as a top 30 U.S. mortgage lender. NetBank, Equal Housing Lender and Member FDIC, is a primary operating subsidiary of NetBank, Inc. (Nasdaq: NTBK), a diversified financial services company. For more information on NetBank's products and services, please visit www.netbank.com.

About Delta SkyMiles

Delta SkyMiles members earn mileage by flying Delta, Delta Connection carriers, Delta Express, Delta Shuttle and Delta's airline partners, including Delta's SkyTeam partners. The Delta SkyMiles program offers many other mileage-building opportunities, including the Delta SkyMiles(R) Credit Card from American Express, AT&T telecommunication services, EarthLink(TM) Internet services, participating hotels, car rental companies, restaurants, home buying and selling, cruise line and flower purchases.

About Delta Air Lines

Delta Air Lines, the world's second largest airline in terms of passengers carried and the leading U.S. carrier across the Atlantic, offers 5,386 flights each day to 435 destinations in 78 countries on Delta, Song, Delta Express, Delta Shuttle, Delta Connection and Delta's worldwide partners. Delta is a founding member of SkyTeam, a global airline alliance that provides customers with extensive worldwide destinations, flights and services. For more information, please go to www.delta.com.

TERMS AND CONDITIONS: Miles accrued and awards issued are subject to the terms and conditions of the Delta(R) SkyMiles(R) program. Taxes and fees related to award travel are the responsibility of the passenger. This offer cannot be combined with any other offer. Please allow 8-10 weeks for miles to be posted to your account. Miles earned are subject to U.S. Federal Excise Tax surcharge. NetBank reserves the right to end or amend this program without notice. All terms and conditions of the NetBank Service Agreement apply. All standard Delta SkyMiles program rules and conditions apply. Other restrictions may apply.

ATLANTA--(BUSINESS WIRE)--May 28, 2003