First Amendment to Amended and Restated Servicing Agreement



 Exhibit 10.1(a) 

FIRST AMENDMENT TO AMENDED AND RESTATED 

SERVICING AGREEMENT 

THIS FIRST AMENDMENT TO THE AMENDED AND RESTATED SERVICING AGREEMENT (“Amendment”) is entered into as of the 1st day of
January 2010, by and among Discover Bank (“DB”) and DFS Services LLC (“DFS”). 
 WHEREAS, DB and DFS entered
into a certain Amended and Restated Servicing Agreement (“Agreement”) as of January 1, 2007 for the provision of services by DFS to DB. 

WHEREAS, DB and DFS desire to amend the Agreement as set forth in this Amendment. 

NOW, THEREFORE, in consideration of the foregoing premises and for other good and valuable consideration, both the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree to amend the Agreement pursuant to Section 12.D of the Agreement as follows: 

1. Exhibit A to the Agreement is hereby deleted in its entirety and the attached Exhibit A shall be attached to the Agreement in lieu
thereof. 
 2. A new clause (x) shall be added to Section 2.H of the Agreement: 

“(x) support functions, including finance, human resources, audit, risk management, law and compliance, executive management and
strategic support functions, and other general overhead.” 
 3. Capitalized terms not herein defined shall have the meaning
ascribed to such terms in the Agreement. 
 4. Unless otherwise set forth herein, the Agreement shall remain in full force and
effect. 
 5. This Amendment may be executed in two or more counterparts, each of which shall be deemed an original. Facsimile
signatures shall be deemed originals. 
 Execution Page to Follow 







 IN WITNESS WHEREOF, the parties have executed this Amendment as of the date first
written above. 
  

					
	 DISCOVER BANK

		
	By:	 	 /s/ Michael F. Rickert

		 	Name:	 	Michael F. Rickert
		 	Title:	 	Chief Financial Officer
	
	 DFS SERVICES LLC

		
	By:	 	 /s/ Roger Hochschild

		 	Name:	 	Roger Hochschild
		 	Title:	 	President









 EXHIBIT A 

to First Amendment to Amended and Restated Servicing Agreement 

Discover Financial Services LLC 

SERVICING FEES CHARGED TO DISCOVER BANK 

EFFECTIVE DECEMBER 1, 2009 

Discover Bank (“DB”) will pay Discover Financial Services LLC (“DFS”) for costs, plus any agreed upon mark up and other adjustments,
incurred by DFS in its role of providing services for DB in advance, on a monthly basis, based on estimates provided by DFS. DFS shall provide a reconciliation to DB within thirty (30) days of the end of each month in accordance with procedures
agreed upon by DB and DFS. In case of a shortfall, DB shall pay DFS the amount of such shortfall within five (5) business days after the end of the following month. In the case of overpayment, DFS shall pay DB the amount of such overpayment
within five (5) business days after the end of the following month. The amounts invoiced may include, but are not limited to, into the following general categories: 

Marketing 

Customer Services, Collections and Other Services 

Credit Risk 

Business Technology, Corporate Support Services and Other General Overhead 

Included in the billing of the general categories noted above, DFS may bill DB for various services and supplies that DFS obtains from other providers in
connection with servicing DB’s customers, which may include a DFS markup to DB to reflect the benefit of DFS’s management of the relationships with these other providers. The amounts charged will be equal to the amounts paid by DFS, plus
any agreed upon markup and other adjustments. 
 If new categories of items arise that are procured from outside providers, DFS will be allowed
to include them in the service fee charged, provided they are separately identified in the invoice to DB, and a DB officer approves the new item on the invoice. 

Amount To Be Invoiced Under Servicing Fee 

It is agreed that amounts invoiced by DFS under the servicing agreement with DB will not cause DB’s ratio of non-interest expense (calculated on a
consolidated basis with Discover Products Inc.) to average loans for the entire fiscal year to be more than the average of the same non-interest expense ratio for the group of peer banks for the most recently completed fiscal year for which
information is available. The parties agree that the fees charged to DB hereunder will not exceed the fees that DB would have been charged for the Services by an unaffiliated third party.