Document:

EX-10.1

 Exhibit 10.1 

MASTER SERVICES AGREEMENT 

This MASTER SERVICES AGREEMENT (including the Shared Employee Addendum and each Services Addendum hereto, this “Agreement”) by and
among Discover Financial Services, a Delaware corporation (“DFS”), Discover Bank, a Delaware banking corporation (including its subsidiaries, “the Bank”), and each of the other parties named on the signature pages hereto
(together with DFS and the Bank, each a “Party” and, collectively, the “Parties”), is dated as of January 1, 2013. 

WITNESSETH: 
 WHEREAS, DFS, the
Bank and each of the other parties hereto are affiliated entities that from time to time perform services for, and/or receive services from, one or more of the other Parties hereto; 

WHEREAS, DFS and the Bank desire for certain senior personnel of the Bank (each, a “Shared Employee”) identified in the Shared
Employee Addendum attached hereto as Exhibit A (the “Shared Employee Addendum”) also to be employees of one or more affiliates of the Bank (“Affiliates”). 

WHEREAS, it is the desire of each Party hereto to execute this Agreement to set forth the terms pursuant to which the Parties will provide
services to one another. 
 NOW, THEREFORE, in consideration of the mutual covenants herein contained, the Parties hereto hereby agree as
follows: 
 1. Services; Duty of Care. A Party providing services hereunder (the “Servicing Party”) shall perform and
deliver services for or on behalf of another Party hereto (the “Receiving Party”) as more fully described under a duly executed services addendum between the Servicing Party and the Receiving Party (each a “Services Addendum” and
collectively the “Services Addenda”), the form of which is attached hereto as Exhibit A (the services to be provided under any and all Services Addenda executed hereunder are hereinafter referred to individually and collectively as the
“Services”). The Servicing Party and Receiving Party shall review the Services Addendum at least annually for accuracy and completeness and shall work together to amend any such Services Addendum, as appropriate. 

The Servicing Party shall perform the Services in accordance with applicable laws and regulations utilizing at least such levels of diligence,
care, completeness and timeliness customarily followed by large financial institutions and shall comply with all of DFS’ security, supervision and other procedures and policies in connection with its provision of Services. The Servicing Party
may satisfy its obligations to perform hereunder either through its own employees, agents, or representatives, and/or through independent contractors used to provide the Services as if provided directly by the Servicing Party. The Servicing Party
shall be responsible for the actions of its agents, employees, representatives, or independent contractors providing the Services and shall require, by contract, each of its independent contractors to, when providing Services, comply with
(i) the terms of this Agreement; and (ii) all laws and regulations applicable to it, the Services it provides, the Servicing Party and Receiving Party. 

The Services Addenda are hereby incorporated by reference into this Agreement. Except as otherwise provided herein, if any of the terms or
conditions of this Agreement conflict with any of the terms or conditions of any Services Addendum, the terms or conditions of such 

 
Services Addendum will control solely with respect to the Services covered under such Services Addendum. 

2. Fees. The Receiving Party shall pay service fees to the Servicing Party as more fully described in the applicable Services Addendum
(“Servicing Fees”). Servicing Fees payable hereunder shall be paid monthly in arrears. Each Receiving Party reserves the right to net any Servicing Fees due to a Servicing Party against any Servicing Fees owed by the Receiving Party to
such Servicing Party under this Agreement or any other agreement between the Parties. 
 3. Term; Insolvency. This Agreement shall
have a term of twelve months from the date hereof and shall automatically renew on an annual basis for subsequent twelve-month periods unless otherwise agreed to be each of the Parties hereto no less than thirty days prior to the expiration of any
such twelve-month period. The term of each Services Addendum shall be the same as the term of this Agreement unless otherwise specified in the Services Addendum; provided that a Services Addendum may be terminated by either Party thereto upon
thirty days notice to the other Party. 
 Notwithstanding the foregoing, each Party hereby acknowledges and agrees that (i) in the
event that a Servicing Party shall have provided a Receiving Party with a 30 day termination notice pursuant to the foregoing paragraph, the Servicing Party shall be required to continue providing the applicable Services to the Receiving Party until
such time as the provision of such Services shall have been transferred to the Receiving Party or a third party; (ii) in the event that the Bank or any Bank subsidiary party to any Services Addendum becomes the subject of an insolvency or
bankruptcy proceeding, the applicable Servicing Party shall be required to continue providing the related Services to the Bank or such Bank subsidiary until such time as the related Services shall have been successfully transitioned to the Bank,
such Bank subsidiary or a third-party servicer, and the applicable Servicing Party shall take all steps reasonably necessary to assist in the transition of such Services; and (iii) in the event that a non-Bank Servicing Party becomes the
subject of a bankruptcy proceeding, such non-Bank Servicing Party shall be required to continue providing Services under any Servicing Addenda under which the Receiving Party is the Bank or a Bank subsidiary until such time as the related Services
shall have been transitioned to the Receiving Party or a third-party servicer, and such non-Bank Servicing Party shall take all steps reasonably necessary to assist in the transition of the such Services. 

4. Shared Employees. 
 a.
The duties and responsibilities of each Shared Employee at the Bank (“Bank Responsibilities”) are set forth in the Shared Employee Addendum. While performing Bank Responsibilities, the Shared Employee shall be deemed to be employed
exclusively by the Bank and the Bank alone shall be responsible for the supervision and direction of the Shared Employee during such periods. While performing duties and responsibilities for an Affiliate, the Shared Employee shall be deemed to be
employed exclusively by the Affiliate, and the Affiliate alone shall be responsible for the supervision and direction of the Shared Employee during such periods. All data, documents, and information furnished by the Bank to any Shared Employee, or
obtained by the Shared Employee, in connection with Shared Employee’s performance of Bank Responsibilities shall remain the exclusive property of the Bank and shall be subject to the confidentiality provisions of Section 11 hereof.

 b. A Shared Employee shall act in the best interests of the Bank while performing Bank Responsibilities. 

  
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 c. Allocation of Shared Employee costs and expenses shall be as set forth in the applicable
Services Addendum. 
 d. Subject to this Section 4, allocation of time and responsibilities of a Shared Employee between the Bank
and the related non-subsidiary Affiliate shall be agreed by the Bank and such Affiliate from time to time. In the event that there is a conflict between priorities of the Bank and the related Affiliate, a Shared Employee’s performance of Bank
Responsibilities shall take priority over performance of Services for such Affiliate to the extent failure by the Shared Employee to perform Bank Responsibilities could adversely affect the safe and sound operation of the Bank or compliance with
banking laws or regulations, as determined by the Bank acting reasonably and in good faith. 
 e. The relationship between the Bank and the
related Affiliate pursuant to this Section 4 is solely that of independent parties contracting to allocate the time and expenses of a Shared Employee. 

5. Business Continuity Planning. 

Each Servicing Party shall adhere to Business Continuity Planning Policy of DFS and the Business Continuity Planning program maintained in
accordance therewith. In the event of a business interruption, in addition to performing recovery actions in accordance with the Business Continuity Planning program, a Servicing Party shall immediately notify the Parties to which it is providing
Services of the nature and extent of the interruption and the location of any recovery center to the extent applicable. Except as may be provided in Section 7 below, the occurrence of a business interruption event shall not relieve a
Servicing Party of its obligation to perform the Services in accordance with the terms hereof. 
 6. Audit. 

a. Each Party acknowledges that the other Parties hereto may be subject to regulation and examination by regulatory agencies (“Regulatory
Agencies”). Each Servicing Party shall provide the Regulatory Agencies with access (i) to any facility or part of a facility at which such Servicing Party or any of its subcontractors is performing the Services, (ii) to such Servicing
Party’s personnel, and (iii) to data and records relating to the Services, for the purpose of performing audits, examinations and inspections of such Servicing Party or any of its subcontractors with respect to the Services during the Term
and for the period such Servicing Party is required to maintain records under applicable law. Each Servicing Party shall cooperate fully with regard to examinations by the Regulatory Agencies. Each Servicing Party shall immediately give to the
applicable Receiving Party notice of any inquiry or communication, whether formal or informal, by a Regulatory Agency regarding the Services being provided to such Receiving Party. Each Servicing Party shall provide any and all assistance to the
applicable Receiving Party to facilitate any audit of a third party subcontractor of the Servicing Party by a Regulatory Agency. 
 b. Each
Servicing Party shall provide the applicable Receiving Party and its auditors (including internal audit staff and external auditors), inspectors, and such other representatives as such Receiving Party may from time to time designate, access at all
reasonable times upon reasonable advance notice to the Servicing Party to any facility or part of a facility at which either the Servicing Party or any of its subcontractors is performing the Services, to the Servicing Party’s personnel, and to
data, records, policies and procedures relating to the Services, 

  
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for the purpose of performing audits, examination and inspections of either the Servicing Party or any of its subcontractors during the Term of the Agreement and for the period the Servicing
Party is required to maintain records under applicable law, to examine the Servicing Party’s performance of the Services and compliance with the terms of this Agreement, including (i) practices, policies and procedures; (ii) systems,
equipment and software; (iii) general controls and security practices and procedures; (iv) disaster recovery and back-up procedures; and (v) any other matters reasonably requested by the Receiving Party. Each Servicing Party will
provide the Receiving Party with copies of any internal audit reports reasonably related to the Services or systems or practices that support the Services upon request. 

7. Force Majeure. No Servicing Party shall be liable for any loss, injury, damages, delay in performance or failure to perform any
obligation under this Agreement to the extent such loss, injury, damages, delay or failure to perform is the result of causes beyond the control of that party and is without its fault or negligence, including, but not limited to, acts of God, labor
disputes, governmental regulations or orders, civil disturbance, war conditions, terrorist acts, riots, explosions, fires or the result of a failure by the other Party to satisfy its obligations under this Agreement, except to the extent such loss,
injury, damages, delay or non-performance is the result of any failure of the Servicing Party performing Services to comply with its obligations set forth in its Disaster Recovery Plan. 

Upon occurrence of any force majeure event, the Servicing Party shall render the Services in accordance with the emergency service levels and
other conditions as detailed in its Disaster Recovery Plan. Each Receiving Party shall also make a good faith effort to mitigate the effects of any occurrence beyond its control that results in any loss, injury, damages, delay or failure to perform
its obligations under this Agreement. 
 8. Representations and Warranties. Each Party represents and warrants that it is duly
organized, validly existing and in good standing under the laws of its jurisdiction, and this Agreement when duly executed and delivered will constitute a legal, valid and binding obligation of such Party, enforceable against such Party in
accordance with its terms, except as enforcement may be limited by bankruptcy, insolvency, liquidation or other similar laws affecting generally the enforcement of creditors’ rights. Each Party further represents and warrants as follows: 

a. Such Party has full power and authority to do and perform all acts contemplated by this Agreement. 

b. None of the execution and delivery of this Agreement, the consummation of the transactions herein contemplated, the fulfillment of, or
compliance with, the terms and provisions hereof, nor the performance of its obligations under this Agreement will conflict with, or result in a breach of any of the terms, conditions or provisions of any law applicable to such Party, the governing
documents of such Party or of any agreement to which any such Party may be bound. 
 c. Prior to the performance of any of its obligations
pursuant to this Agreement, such Party will have obtained and/or made any consent, approval, waiver or other authorization of or by, or filing or registration with, any court, administrative or governmental agency that is required to be obtained in
connection with the execution, delivery or performance by such Party, or the consummation by such Party, of the transactions contemplated by this Agreement. 

d. Each Servicing Party represents and warrants that none of the Services nor the provision or utilization thereof as contemplated under this
Agreement, do or will infringe, violate, 

  
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trespass or in any manner contravene or breach or constitute the unauthorized use or misappropriation of any intellectual property of any third party. 

9. Liability and Indemnification. 

a. Each Servicing Party agrees to be liable for, and to indemnify and hold harmless each Party to which it is providing Services from and
against, any and all liability, loss, claim, cost or expense (including court costs and attorneys’ fees) attributable to (i) a breach of any representation or warranty made by the Servicing Party pursuant to this Agreement;
(ii) willful misconduct or gross negligence the Servicing Party; or (iii) any default by the Servicing Party in any of its obligations or covenants under this Agreement. 

b. Each Receiving Party agrees to indemnify and hold harmless each Party providing Services to it from and against any and all liability, loss,
claim, cost or expense (including court costs and attorneys’ fees) attributable to (i) a breach of any representation or warranty by the Receiving Party pursuant to this Agreement; (ii) willful misconduct or gross negligence of the
Receiving Party; or (iii) any default of the Receiving Party in any of its obligations or covenants under this Agreement. 
 c. For
purposes of Subsections 9(a) and (b), references to a Servicing Party or Receiving Party shall be deemed to include their affiliates (other than each other) and any of their employees, agents, representatives and/or independent
contractors of each. 
 10. Notice. Any notice required to be given hereunder by one Party to another Party shall be given in writing
by personal delivery or certified mail, return receipt requested, and shall be effective when received. Every such notice shall be addressed as to such other Party at 2500 Lake Cook Road, Riverwoods, Illinois 60015, Attention: General Counsel. 

11. Confidentiality. 
 a.
It is understood that, in the performance of Services hereunder, a Servicing Party may have access to private or confidential information of a Receiving Party (for purposes of this Section 11, the “Disclosing Party”) and the
Disclosing Party’s employees and customers. Each Servicing Party shall keep, and have its employees, agents and subcontractors keep, any and all private or confidential information of the Disclosing Party strictly confidential and to use such
information only for the purpose of providing the Services or as otherwise agreed to by the Disclosing Party. Each Servicing Party acknowledges and agrees that in the event of a breach or threatened breach of the provisions of this Section, the
Disclosing Party will have no adequate remedy in money or damages and, accordingly, shall be entitled to an injunction against such breach. However, no specification in this Agreement of a specific legal or equitable remedy shall be construed as a
waiver or prohibition against any other legal or equitable remedies in the event of a breach of any provision of this Agreement. The Servicing Party shall not provide any private or confidential information of the Disclosing Party to unaffiliated
third parties pursuant to an administrative or judicial subpoena, summons, search warrant or other governmental order without providing prior notice to the Disclosing Party, unless otherwise provided by law or court order. 

b. Each Servicing Party agrees that confidential information includes all non-public personal information (as that term is defined in Title V
of the Gramm-Leach-Bliley Act of 1999 (“GLBA”) or any successor federal statue, and the rules and regulations thereunder, all as may be 

  
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amended from time to time) and other non-public information regarding the Disclosing Party’s customers (collectively, “Customer Information”). Each Servicing Party agrees as
follows with respect to Customer Information: (i) the Servicing Party shall exercise a standard of care in the protection of Customer Information which is consistent with all applicable laws, rules and regulations; (ii) the Servicing Party
shall use and maintain Customer Information only as necessary for the purpose of providing the Services for which the Customer Information was disclosed and only in accordance with applicable law, rule or regulation of any jurisdiction relating to
disclosure or use of Customer Information; (iii) shall not use any Customer Information in any manner prohibited by Title V of GLBA; and (iv) the Servicing Party will implement and maintain an appropriate written information security
program, the terms of which shall meet or exceed all applicable legal and regulatory requirements. In the event that a Servicing Party learns or has reason to believe that Customer Information of a Disclosing Party has been disclosed or accessed by
an unauthorized person: (i) it shall immediately give notice of such event to the Disclosing Party and cooperate with the Disclosing Party and the relevant Regulatory Authorities in the event of litigation or a regulatory inquiry concerning the
disclosure and (ii) it shall immediately take appropriate steps to ensure that any disclosure of, or unauthorized access to, Customer Information does not continue and shall inform the Disclosing Party of steps taken to address the cause of the
disclosure. 
 c. Each Servicing Party’s obligations and agreements under this Section 11 shall not apply to any information
supplied that: (i) was known to the receiving party prior to the disclosure by the other; (ii) is or becomes generally available to the public other than by breach of this Agreement; or (iii) otherwise becomes lawfully available on a
nonconfidential basis from a third party who is not under an obligation of confidence to the other party. 
 d. Upon termination of this
Agreement, or upon the Disclosing Party’s written request, the Servicing Party shall promptly return to the Disclosing Party confidential information of the Disclosing Party, including Customer Information, which is and shall remain the
property of the Disclosing Party. 
 12. Effectiveness. This Agreement shall be effective on January 1, 2013 (the “Effective
Date”) and shall supersede and replace in its entirety on the Effective Date any and all servicing agreements heretofore entered into between any and all of the parties hereto. Any servicing agreement in effect between any of the parties hereto
prior to the date hereof and not replaced by an Addendum to this Agreement shall be deemed terminated unless otherwise agreed by the parties thereto. For the avoidance of doubt, the Second Amended and Restated Network Agreement dated June 1,
2011 between Discover Bank and DFS Services LLC is not amended or replaced by this Agreement and such agreement shall remain in full force and effect. 

13. General Conditions. 

a. The validity, construction and performance of this Agreement are governed by the laws of the State of Delaware, United States of America.

 b. All provisions contained in this Agreement extend to and are binding upon the Parties and their respective successors and assigns. This
Agreement may not be assigned by any Party without the prior written consent of the other Parties, which consent will not be unreasonably withheld. 

  
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 c. Each paragraph and provision of this Agreement is severable from the entire Agreement, and if
one provision hereof is declared invalid, the remaining provisions shall nevertheless remain in effect. 
 d. This Agreement and the
respective Addenda hereto constitute the entire agreement between Parties with respect to the Services, and no representation or statement not contained in this Agreement or the Addenda shall be binding upon any Party as a warranty or otherwise.
This Agreement may not be amended, changed, modified or altered except in writing, signed by each Party. No Addendum may be amended, changed, modified or altered except in writing, signed by each Party thereto. 

e. This Agreement may be executed in one or more counterparts, each of which shall be deemed an original and all of which together shall be
deemed to constitute but one and the same instrument. 
 f. The relationship between a Servicing Party and a Receiving Party hereunder is
that of independent contractor. Nothing herein contained shall be construed as constituting a partnership, joint venture or agency between any of the Parties. 

g. No term or provision hereof will be deemed waived, and no variation of terms or provisions hereof shall be deemed consented to, unless such
waiver or consent shall be in writing and signed by the Party against whom such waiver or consent is sought to be enforced. Any delay, waiver or omission by a Party to exercise any right or power arising from any breach or default of the other party
in any of the terms, provisions or covenants of this Agreement shall not be construed to be a waiver by such Party of any subsequent breach or default of the same or other terms, provisions or covenants on the part of another Party. 

h. Headings used in this Agreement are for reference purposes only and shall not be deemed a part of this Agreement. 

i. Any exhibit to this Agreement shall be construed as an integral part of this Agreement to the same extent as if the same had been set forth
herein. Any agreement, schedule, or exhibit referred to herein shall mean such agreement, schedule, or exhibit as amended, restated, supplemented or modified from time to time to the extent permitted by the applicable provisions thereof and this
Agreement. 
 j. Each defined term shall have the meaning set forth herein and shall be equally applicable to both the singular and plural
forms. The words “including,” “include” and “includes” shall each be deemed to be followed by the term “without limitation.” Reference to any statute, rule or regulation means such statute, rule or regulation
as amended and supplemented at the time and from time to time and includes any successor statute, rule or regulation. Unless otherwise stated, references to recitals, articles, sections, paragraphs, and schedules shall be references to recitals,
articles, sections, paragraphs and schedules of this Agreement. 
 k. The agreements contained in Sections 9, 11 and 13
of this Agreement shall survive the termination of this Agreement. 
 [Signature page follows] 

  
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 IN WITNESS WHEREOF, each of the parties hereto has caused this Master Services Agreement to be
executed by a duly authorized officer as of the date first above written. 
  

			
	 DISCOVER FINANCIAL SERVICES
  

By: /s/ R. Mark
Graf                                        

 Name: R. Mark Graf
 Title: Executive Vice President and
Treasurer
	  	 DISCOVER BANK
  

By: /s/ Michael F.
Rickert                                

Name: Michael F. Rickert
 Title: VP, CFO and
Treasurer

		
	 DB SERVICING CORPORATION
  

By: /s/ Carlos
Minetti                                    

Name: Carlos Minetti
 Title: President
	  	 DFS CORPORATE SERVICES LLC
  

By: /s/ R. Mark
Graf                                         
   
 Name: R. Mark Graf
 Title: Chief
Financial Officer

		
	 DFS SERVICES LLC
  

By: /s/ R. Mark
Graf                                    

Name: R. Mark Graf
 Title: EVP and CFO
	  	 DISCOVER PRODUCTS INC.
  

By: /s/ Carlos
Minetti                                        

 Name: Carlos Minetti
 Title: President

		
	 DFS INTERNATIONAL INC.
  

By: /s/ R. Mark
Graf                                    

Name: R. Mark Graf
 Title: EVP and CFO
	  	 DISCOVER FINANCIAL SERVICES (CANADA), INC.
  

By: /s/ Gerard J.
Wagner                                

Name: Gerard J. Wagner
 Title: President

		
	 DISCOVER HOME LOANS, INC.
  

By: /s/ Carlos
Minetti                                

Name: Carlos Minetti
 Title: President
	  	 DFS ESCROW, INC.
  

By: /s/ R. Mark
Graf                                        

 Name: R. Mark Graf
 Title: EVP and CFO

		
	 THE STUDENT LOAN CORPORATION
  

By: /s/ Joseph
Guage                                

Name: Joseph Guage
 Title: Vice President
	  	 DINERS CLUB INTERNATIONAL LTD.
  

By: /s/ Eduardo
Tobon                                    

Name: Eduardo Tobon
 Title: President

 Signature page to Master Services Agreement 

			
	 PULSE NETWORK LLC
  

By: /s/ David R.
Schneider                            

Name: David R. Schneider
 Title: President

 
 DISCOVER FINANCIAL SERVICES (UK) LIMITED

 
 By: /s/ Eduardo
Tobon                                

Name: Eduardo Tobon
 Title: President

 
 DISCOVER GLOBAL EMPLOYMENT COMPANY

PRIVATE LIMITED
  

By: /s/ R. Mark
Graf                                    

Name: R. Mark Graf
 Title: EVP and CFO

 
 DISCOVER INFORMATION TECHNOLOGY

(SHANGHAI) LIMITED
  

By: /s/ Fude
Wang                                    

Name: Fude Wang
 Title: General Manager

 
 DISCOVER SERVICES CORPORATION

 
 By: /s/ Michael F.
Rickert                            

Name: Michael F. Rickert
 Title: VP, Treasurer and Asst
Secretary
	  	 DISCOVER FINANCIAL SERVICES
 (HONG KONG)
LIMITED
  
 By: /s/ Roger C.
Hochschild                        

Name: Roger C. Hochschild
 Title: Director

 
 HLC SETTLEMENT SERVICES, INC.

 
 By: /s/ R. Mark
Graf                                    

Name: R. Mark Graf
 Title: EVP and CFO

 
 DINERS CLUB SERVICES PRIVATE LIMITED

 
 By: /s/ Thomas R.
Edgerton                        

Name: Thomas R. Edgerton
 Title: President

 
 GTC INSURANCE AGENCY, INC.

 
 By: /s/ Michael F.
Rickert                            

Name: Michael F. Rickert
 Title: VP, Treasurer and Asst
Secretary
  
 DISCOVER FINANCIAL SERVICES

INSURANCE AGENCY, INC.
  

By: /s/ Michael F.
Rickert                            

Name: Michael F. Rickert
 Title: VP, Treasurer and Asst
Secretary

 Signature page to Master Services Agreement 

 EXHIBIT A 

SHARED EMPLOYEE ADDENDUM 
 Each of the
following Shared Employees shall have the responsibilities set forth next to their name, and such other powers and authorities as may be prescribed by Discover Bank’s Board of Directors from time to time by resolution or other means, such as
set forth in policies approved by the Board of Directors. This Exhibit A may be amended from time to time by Discover Bank, such amendment to be effective on the date of the resolutions approving the Bank Responsibilities of the applicable Shared
Employee. 
  

					
	 Shared Employee Name
	  	 Bank Title
	  	 Bank Responsibilities

	David Nelms	  	Chairman and Chief Executive Officer	  	Responsible for supervising, coordinating and managing the Bank’s business and activities and supervising, coordinating and managing its operating expenses and capital allocation.
			
	Roger Hochschild	  	Chief Operating Officer and President	  	Shall report to the chief executive officer and is responsible for day-to-day operating activities of the Bank, including business strategies and revenue and sales and expense management.
			
	Mark Graf	  	Executive Vice President, Head of Finance	  	Responsible for managing the responsibilities of the Finance Department related to the Bank, including accounting, regulatory reporting, treasury, line of business finance, capital markets and capital functions.
			
	Kelly McNamara Corley	  	Executive Vice President and General Counsel	  	Responsible for the legal affairs of the Bank.
			
	Carlos Minetti	  	President - Consumer Banking and Operations	  	Responsible for overseeing the activities of the Bank’s President and overseeing and managing the activities of the Cardmember Services organization and the student loan, personal loan and deposits businesses.
			
	Jim Panzarino	  	Executive Vice President, Chief Credit Risk Officer	  	Responsible for overseeing and managing the Credit Risk Management Department, which is responsible for setting credit standards for the credit card, student loan and personal loan
businesses.

					
			
	Harit Talwar	  	President, US Card	  	Responsible for overseeing and managing the marketing activities of the credit card business and protection products business.
			
	Steve Cunningham	  	Treasurer	  	The Treasurer shall have care and custody of all of the funds, securities and other valuables of the Bank
			
	Chris Greene	  	Secretary and Deputy General Counsel	  	Responsible for attending all meetings and keeping minutes of the proceedings of the Board and any other committee unless they have chosen another secretary.
			
	Brad Ipema	  	Compliance Officer	  	Responsible for overseeing and managing the activities of the Compliance Department and reporting on the activities of the Compliance Department to the Board and/or the Audit Committee.
			
	R. Lee Gardy	  	AML Officer	  	Responsible for overseeing and maintaining an anti-money laundering compliance program for the Bank.
			
	Jack McCoy	  	Security Officer	  	Responsible for overseeing corporate security, including physical and information security and fraud prevention. Act as liaison with law enforcement officials.

 EXHIBIT B 

FORM OF SERVICES ADDENDUM 
 This Services
Addendum is dated as of             , 20            and is entered into pursuant to and incorporated by reference into the Master
Services Agreement dated as of December             , 2012 by and among the parties thereto, including each of the undersigned (the “Master Services Agreement”).
                    (the “Servicing Party”) hereby agrees to provide to
                    (the “Receiving Party”) the Services described below. The provision of Services hereunder shall be governed by the
terms of the Master Services Agreement. All capitalized terms used and not defined herein shall have the meanings ascribed thereto in the Master Services Agreement. 

Services to be Provided 
 In addition to services
as agreed from time to time by the Parties, Servicing Party will perform the following Services for, or on behalf of, Receiving Party: 
  

• 
  

• 
  

• 
  

• 
 Shared Employees 

Will Receiving Party utilize Shared Employees of the Servicing Party? 

Yes/No 
 For all Services Addenda under which the Bank or
a Bank subsidiary is providing services that include Shared Employees, the Bank shall be reimbursed pursuant to a calculation based on an estimate of the percentage of time spent by the Shared Employee on non-bank matters. 

Fees, Expenses and Payment for Services to be Provided 

Fees for Services to be provided under this Addendum shall be determined for each support function providing services to the Receiving Party largely consistent
with an internal management reporting process for allocating costs. The method for determining cost allocation will be made in consultation with the cost center manager for the respective support function and will utilize a combination of one or
more of the following cost allocation methods: 
  

	 	•	 	Usage: meaning costs will be based on actual or planned costs; 

  

	 	•	 	Business specific: meaning that no allocation methods are necessary as the related cost center captures costs of one business exclusively; 

 

	 	•	 	Time spent: meaning a direct reflection of the support provided to each business; 

  

	 	•	 	Headcount FTE: meaning costs will be allocated to each business based on the percentage of each business’s FTE to sum of total FTE; and 

 

	 	•	 	Percentage of operating expenses: meaning certain costs are allocated to businesses based on the overall percentage of costs being absorbed by each business 

 [All Services Addenda to which the Bank or a Bank subsidiary is a Party shall include the following provision:

 The Parties intend for the cost allocation, in all cases, to be on terms and under circumstances, including credit standards (if applicable), that are
substantially the same or at least as favorable to the Bank or Bank subsidiary as those prevailing at the time for comparable transactions with or involving unaffiliated third parties. The Parties shall not impose any allocation on the Bank or Bank
subsidiary that is inconsistent with that intent and, if it is determined by the Bank or Bank subsidiary in good faith or any regulatory body with supervisory authority over the Bank that an allocation hereunder is inconsistent with that intent, the
Parties shall promptly modify the terms accordingly and shall adjust any prior allocations that violate that intent.] 
 The parties agree that the fees
payable to the Servicing Party hereunder shall not exceed the fees the Servicing Party would have received for similar services provided to an unaffiliated third party. 
  

					
	 [SERVICING PARTY]
  

By:                         
                                         
                                         
     
 Name:
 Title:
	 		  	 [RECEIVING PARTY]
  

By:                         
                                         
                                         

 Name:
 Title:EX-10.1(a)

 Exhibit 10.1(a) 

AMENDED AND RESTATED SERVICES ADDENDUM 

This Amended and Restated Services Addendum is dated as of August 15, 2013 and is entered into pursuant to and incorporated by reference
into the Master Services Agreement dated as of January 1, 2013 by and among the parties thereto, including each of the undersigned (the “Master Services Agreement”). DB Servicing Corporation (the “Servicing Party”) hereby
agrees to provide to Discover Bank (the “Receiving Party”) the Services described below. The provision of Services hereunder shall be governed by the terms of the Master Services Agreement. All capitalized terms used and not defined herein
shall have the meanings ascribed thereto in the Master Services Agreement. 
 This Amended and Restated Services Addendum supersedes and
replaces the Services Addendum dated as of January 1, 2013 between Servicing Party and Receiving Party. 
 Services to be Provided 

In addition to services as agreed from time to time by the Parties, Servicing Party will perform the following Services for, or on behalf of, Receiving Party:

  

	 	•	 	Payroll and similar functions for certain Bank Executive Management 

  

	 	•	 	Finance, Accounting and Treasury 

  

	 	•	 	Law and Compliance 

  

	 	•	 	Customer Services/Call Center support 

  

	 	•	 	Collections services for Card, Student Loans and Personal Loans 

 Fees, Expenses and Payment for Services
to be Provided 
 Fees for Services to be provided under this Addendum shall be determined for each support function providing services to the
Receiving Party largely consistent with an internal management reporting process for allocating costs. The method for determining cost allocation will be made in consultation with the cost center manager for the respective support function and will
utilize a combination of one or more of the following cost allocation methods: 
  

	 	•	 	Usage: meaning costs will be based on actual or planned costs; 

  

	 	•	 	Business specific: meaning that no allocation methods are necessary as the related cost center captures costs of one business exclusively; 

 

	 	•	 	Time spent: meaning a direct reflection of the support provided to each business; 

  

	 	•	 	Headcount FTE: meaning costs will be allocated to each business based on the percentage of each business’s FTE to sum of total FTE; and 

 

	 	•	 	Percentage of operating expenses: meaning certain costs are allocated to businesses based on the overall percentage of costs being absorbed by each business 

Mark-up 
 Servicing Party will charge Receiving
Party at the cost of Servicing Party’s expenses plus 2%. 

 The Parties intend for the cost allocation, in all cases, to be on terms and under circumstances, including
credit standards (if applicable), that are substantially the same or at least as favorable to the Bank or Bank subsidiary as those prevailing at the time for comparable transactions with or involving unaffiliated third parties. The Parties shall not
impose any allocation on the Bank or Bank subsidiary that is inconsistent with that intent and, if it is determined by the Bank or Bank subsidiary in good faith or any regulatory body with supervisory authority over the Bank that an allocation
hereunder is inconsistent with that intent, the Parties shall promptly modify the terms accordingly and shall adjust any prior allocations that violate that intent. 

The parties agree that the fees payable to the Servicing Party hereunder shall not exceed the fees the Servicing Party would have received for similar
services provided to an unaffiliated third party. 
  

			
	 DB SERVICING CORPORATION
  

By: /s/ Carlos
Minetti                                        

 Name: Carlos Minetti
 Title: Executive Vice
President
	  	 DISCOVER BANK
  

By: /s/ Michael F.
Rickert                                        

 Name: Michael F. Rickert
 Title: VP, CFO and Assistant
Treasurer

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