PRICING SCHEDULE
   This is an example of terms that were available to recent applicants as of 12/31/21. They may not be available now. If you apply, your terms will be based on that offer. 
   This is an example of terms that were available to recent applicants as of 03/31/20. 
   This Pricing Schedule is part of the Cardmember Agreement
   Pricing Schedule is part of the Cardmember Agreement.
   Interest Rates and Interest Charges Interest Rates and Interest Charges
   Annual Percentage Rate (APR) for Purchases Annual Percentage Rate (APR) for Purchases 22.99%. This APR will vary with the market based on the Prime Rate. 1 1
                            From 13.49% to 24.49%. This APR will vary with the market based on the Prime Rate.
   APR for Balance Transfers                              1
   APR for Balance Transfers 22.99%. This APR will vary with the market based on the Prime Rate. 1
                            From 13.49% to 24.49%. This APR will vary with the market based on the Prime Rate.
   APR for Cash Advances APR for Cash Advances 24.99%. This APR will vary with the market based on the Prime Rate. 1 2
                            26.49%. This APR will vary with the market based on the Prime Rate.
   Penalty APR and When It Applies Penalty APR and When It Applies None None
                            Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in  Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will 
                            February). We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We  not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on 
   Paying Interest Paying Interest
                            will begin charging interest on cash advances and balance transfers as of the later of the transaction date or the first day of the  transaction 
                            billing period in which the transaction posted to your account.  posted to your Account.
   Minimum Interest Charge Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50 If you are charged interest, the charge will be no less than $0.50.
   Fees Fees
   Annual Fee Annual Fee    None None 
   Balance Transfer Fee Balance Transfer Fee 5% of the amount of each transfer. 5% of the amount of each transfer.
   Cash Advance Fee Cash Advance Fee Either $10 or 5% of the amount of each cash advance, whichever is greater. Either $10 or 5% of the amount of each cash advance, whichever is greater.
   Late Fee Late Fee        None the first time you pay late. After that, up to $40 None $39.
   Returned Payment Fee Returned Payment Fee Up to $40 Up to $39.
   How We Will Calculate Your Balance: We will use a method called �daily balance (including current tansactions).� See the Cardmember Agreement for details. How We Will Calculate Your Balance: We will use a method called �daily balance (including current transactions)�. See the Cardmember Agreement for details.
   1 1 
   The purchase and balance transfer APR is equal to the Prime Rate plus a margin of 19.74%. The purchase and balance transfer APR is equal to the Prime Rate plus a margin from 8.74% to 19.74%.  
   2 The Cash Advance APR is equal to the Prime Rate plus a margin of 21.74%. The Cash Advance APR is equal to the Prime Rate plus a margin of 21.74%. 
   �2021 Discover Bank, Member FDIC
   �2020 Discover Bank, Member  CMASECDI123121 -1-
   FDIC CMAPRDI033120
                                          -1-
                                 SECURITY AGREEMENT
                  This is the Security Agreement for your Discover it �  Secured Credit Card Account (�Account�). The words �you,� �your,� and �yours� mean you and any other person(s) who are 
                  contractually liable under the Cardmember Agreement governing the Account. The words �our,� �us,� and �we� mean Discover �  Bank. �Business days� are Monday through 
                  Friday, excluding Federal Reserve Bank holidays.
    Security Deposit Account In consideration of and as a condition to our opening the Account for you and other good and valuable consideration, you are providing funds from an account in your name to   
                  serve as security for your Account (�Funds�). We will hold these Funds in an account (�Security Deposit Account�) under our exclusive control. You must maintain this Security 
                  Deposit Account as security for the Account, and you grant us a security interest in the Security Deposit Account. This Security Deposit Account will include any and all future 
                  extensions, renewals, or replacements of the Security Deposit Account. No portion of the Security Deposit Account may be used to secure other loans. The minimum amount 
                  required to be deposited is the amount of your initial Account credit line but will not be less than $200. You may make a transfer to the Security Deposit Account solely for 
                  purposes of funding your required security deposit. The Security Deposit Account will be solely owned by you. Funds in Discover Bank Security Deposit Accounts are insured by the 
                  Federal Deposit Insurance Corporation (�FDIC�) up to the maximum allowable limits. For more detailed information on FDIC coverage, contact the FDIC directly at 1-877-ASKFDIC 
                  (1-877-275-3342), (TDD: 1-800-925-4618) or visit www.fdic.gov. Discover will maintain separate records to account for your Funds. 
    Withdrawals    You will not be permitted to make withdrawals from the Security Deposit Account. (See Return of Funds Section below for terms and conditions regarding return of the Funds 
                  and closure of your Account.)
    Additional Funds  Other than depositing Funds to secure your Account, you will not be permitted to make deposits to the Security Deposit Account.
    Security Deposit Account  You will get a monthly Security Deposit Account statement as part of your Account statement.
    Statements
    Electronic Fund Transfers  You may fund your Security Deposit Account with an electronic fund transfer (�Transfer�). If we do not complete a Transfer to your Security Deposit Account on time or in the 
    to or from your Security  correct amount according to our agreement with you, we will be liable for your losses or damages. However, we will not be liable if circumstances beyond our control (such as 
                  fire or flood) prevent the transfer, despite reasonable precautions that we have taken. In case of errors or questions about your funding Transfers, call us at 1-800-347-3085 or 
    Deposit Account
                  write us at P.O. Box 30943, Salt Lake City, UT 84130-0943 as soon as you can, if you think your statement is wrong or if you need more information about a funding Transfer 
                  listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. (1) Tell us your name and 
                  Account number. (2) Describe the error or the Transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. 
                  (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will 
                  determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 
                  days to investigate your complaint or question. If we decide to do this, we will credit your Security Deposit Account within 10 business days for the amount you think is in error (if 
                  applicable), during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, 
                  we may not credit your Security Deposit Account (if applicable). For errors involving a new Security Deposit Account, we may take up to 90 days to investigate your complaint or 
                  question. For a new Security Deposit Account, we may take up to 20 business days to credit your Security Deposit Account (if applicable) for the amount you think is in error. We 
                  will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask 
                  for copies of the documents that we used in our investigation.
    Pledge and Grant of   You understand that granting us a security interest in the Security Deposit Account and the Funds is a necessary condition for opening your Account. As security for the prompt 
    Security Interest payment and performance of all your obligations to us arising pursuant to the Account (�Obligations�), you hereby grant a security interest to us in all of your right, title, and 
                  interest in the Security Deposit Account and any and all Funds, including all proceeds of and additions to the Security Deposit Account and the Funds. We may increase or decrease 
                  your Account credit line and no such action shall change the fact that the Security Deposit Account and the Funds are held by us as security for the Obligations. You represent that 
                  there are no current lawsuits or bankruptcy proceedings that might affect our interest in the Security Deposit Account or the Funds. You have not and will not attempt to transfer 
                  or offer any interest in the Security Deposit Account or the Funds to any person other than us. You and we acknowledge that subject to our possession of and security interest in 
                  the Security Deposit Account and the Funds, you retain beneficial ownership of the Security Deposit Account and the Funds for FDIC insurance purposes.
    Interest on Funds No interest will be paid on the Funds. If we do pay interest in the future, we will add it to the Security Deposit Account. 
    Application of Funds to   If you are in default under the Cardmember Agreement or the Account is closed for any reason, you authorize us at any time(s) to withdraw all or any portion of the Funds from 
    the Account   the Security Deposit Account and apply them to reduce your Obligations. Any such application of Funds will not constitute any part of the Minimum Payment Due under the 
                  Cardmember Agreement. You will continue to be responsible for making payments as required under the Cardmember Agreement and for repaying any outstanding Obligations. 
                  Our rights under this Security Agreement are in addition to any others we have under applicable law. We may make settlements or compromises on the Security Deposit Account, 
                  transfer the Security Deposit Account to our name, or exercise ownership rights on the Security Deposit Account. We are not required to notify you of any of the above.
    Return of Funds If we determine that you qualify for return of any Funds from the Security Deposit Account, we will return these Funds to you by a method we deem sufficient. If your Account is 
                  closed, we will return any excess Funds that remain in the Security Deposit Account after repayment of all Obligations. We generally return these excess Funds within ten days 
                  after the end of the second billing period following the time that Funds are initially applied to reduce your Obligations. If we mail a check to you, we will mail it to your mailing 
                  address on file with us for the Security Deposit and Card Accounts. In the event of your death, we will not release Funds on deposit unless all Obligations have been repaid and 
                  all legal documents we require are delivered to us. 
    Con?dentiality We will disclose information to third parties about your Security Deposit Account or any transfers you make: (a) where it is necessary for completing a transfer, or (b) in order to 
                  verify the existence and condition of your Security Deposit Account for a third party, or (c) in order to comply with government agency or court orders, or (d) if you give us your 
                  written permission, or (e) as permitted by the privacy notice we have provided to you.
    Legal Proceedings We may comply with any writ of attachment, adverse claim, garnishment, tax levy, restraining order, subpoena, warrant or other legal proceeding involving your Security Deposit 
                  Account which we believe to be valid. If your Account, your Security Deposit Account, or your Funds become involved or are likely to become involved in a legal proceeding, 
                  you understand that the entire balance of your Funds in the Security Deposit Account may be restricted until the matter has been resolved. Such proceedings are subject to our 
                  security interest. We shall be entitled to rely upon the representations, warranties, and statements made in such legal proceedings. You agree to hold harmless and indemnify us 
                  for any losses, expenses and costs, including reasonable attorneys� fees, incurred by us as a result of complying with such legal proceedings. In addition to the events of default 
                  set forth in the Cardmember Agreement, you will be in default under the Cardmember Agreement if we are served or become involved with a legal proceeding regarding the 
                  Funds or Security Deposit Account. 
    Miscellaneous This Security Agreement and our security interest and rights as pledged hereunder are governed by Delaware law. We may, in our sole discretion, assign the Security 
                  Deposit Account and our rights and obligations under this Security Agreement. If we use an attorney to defend or enforce our rights under this Security Agreement or 
                  to perform any legal services in connection with this Security Agreement, we may charge you our legal costs as permitted by law. This Security Agreement supplements 
                  the Cardmember Agreement. The other terms of the Cardmember Agreement apply to this Security Agreement, and as such disputes regarding the terms of this Security 
                  Agreement are subject to Arbitration as set forth in the Cardmember Agreement. The terms of this Security Agreement shall survive and continue to apply to the 
                  Security Deposit Account following closure of the Account or the Security Deposit Account, and shall be binding on you even if you cancel your Account or do not accept  
                  the Cardmember Agreement as permitted in the Cardmember Agreement. If any part of the Security Agreement is invalid, the rest of the Security Agreement will remain in effect. 
   �2021 Discover Bank, Member FDIC       -2-
                              CARDMEMBER AGREEMENT
   Thank you for choosing Discover �  Card. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this Agreement. Please read this Agreement, including 
   the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a �Definitions� section for your reference on page 5.
   ACCEPTANCE OF AGREEMENT
                  You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the 
                  Account. You may, however, reject the �Arbitration of Disputes� section as explained in that section.
   CHANGES TO YOUR AGREEMENT
                  The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance 
                  written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest charge prohibited by law.
   USING YOUR ACCOUNT
   Permitted Uses You may use your Account for Purchases, Balance Transfers, and Cash Advances. You may not use it for illegal transactions.
   Authorized Users   You may request additional Cards for Authorized Users to make transactions on your Account. You must notify us if you wish to cancel the authority of an Authorized User to 
                  use your Account. You are responsible for all charges made by your Authorized Users.
   Joint Accounts   If your Account is a joint Account 
                  � each of you agrees to be liable individually and jointly for the entire amount owed on the Account; and 
                  � any notice we mail to an address provided by either of you for the Account will serve as notice to both of you.
   Checks         If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer, or Cash Advance. You may not use these Checks to pay 
                  any amount you owe us.
   Credit Authorizations  We may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check, 
                  or Account number.
   Credit Lines   We will tell you what your Account credit line is. You must keep your Account balance below your Account credit line. If you do not, we may request immediate 
                  payment of the amount by which you exceed it. We may establish a lower credit line for Cash Advances. We may increase or decrease your Account credit line or your 
                  Cash Advance credit line without notice. We may delay increasing your available credit by the amount of any payment that we receive for up to 10 business days.
   FEES (See your Pricing Schedule for Additional Fees)
   Late Fee       We will not charge a Late Fee the first time you do not make the Minimum Payment Due by the Payment Due Date. After that, if you do not pay the Minimum Payment Due 
                  by the Payment Due Date, we will charge you a Late Fee. The fee is $29 if you were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is 
                  $40. This fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed.
   Returned Payment Fee If you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if the payment is honored after we  
                  re-submit it. The fee is $29 if you were not charged a Returned Payment Fee during any of the prior six billing periods. Otherwise, the fee is $40. This fee will never exceed 
                  the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us.
   ANNUAL PERCENTAGE RATES (�APRs�) (See your Pricing Schedule for the APRs that apply to your Account)
   Variable APRs  Your Pricing Schedule may include variable APRs. These APRs are determined by adding the number of percentage points that we specify to the Prime Rate. 
                  Variable APRs will increase or decrease when the Prime Rate changes. The APR change will take effect on the first day of the billing period that begins during 
                  the same calendar month that the Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.
   Penalty APR    None
   MAKING PAYMENTS
   Payment Instructions �  You must pay in U.S. dollars. Please do not send cash. Sending cash is not  billing statement.
                   allowed. All checks must be drawn on funds on deposit in the U.S.  �  If you mail your payment to an address other than the address designated on your 
                  �  You must pay us for all amounts due on your Account. This includes charges made  billing statement, there may be a delay in processing and crediting the payment 
                   by Authorized Users.             to your Account.
                  �  We may refuse to accept a payment in a foreign currency. If we do accept it,  �  If a third party makes a payment on your Account and we return all or a part of 
                   we will charge your Account our cost to convert it to U.S. dollars. such payment, then we may adjust your Account for any amount returned. We 
                  �  We can accept late payments, partial payments or payments marked  reserve the right to defend ourselves against any demand to return funds we 
                   � payment in full� or with any other restrictive endorsement without  have received, and may agree to a compromise of the demanded amount as part 
                   losing any of our rights under this Agreement. of a settlement. 
                  �  We credit your payments in accordance with the terms contained on your 
   Minimum Payment Due You may pay the entire New Balance shown on your billing statement at any time. Each    �  $15, plus any of the following charges as shown on your billing statement:  
                  billing period you must pay at least the Minimum Payment Due by the Payment Due Date  fees for any debt protection product that you enrolled in on or after 2/1/2015; 
                  shown on your billing statement. The Minimum Payment Due will be the greater of:  Interest Charges; and Late Fees (not to exceed 4% of the New Balance). 
                  � $20; or                        The Minimum Payment Due may also include amounts by which you exceed your 
                  �  Any amount past due plus the greater of: Account credit line. It will never exceed the New Balance. When we calculate the 
                    �  3% of the New Balance shown on your billing statement (excluding any Interest  Minimum Payment Due, we may subtract from the New Balance certain fees added 
                   Charges and Late Fee shown on your billing statement); or  to your Account during the billing period. The Minimum Payment Due is rounded 
                                                   up to the nearest dollar.
   �2021 Discover Bank, Member FDIC       -3-
   MAKING PAYMENTS
   How We Apply Payments We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required 
                  by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with 
                  lower APRs as of the date we credit your payment.
   INTEREST CHARGES
   How We Calculate Interest  We calculate interest charges each billing period by first figuring the �daily balance�  How We Figure Your Total Interest Charges
   Charges�Daily Balance  for each Transaction Category. Transaction Categories include standard Purchases,  �  We multiply the daily balance for each Transaction Category by its daily periodic 
   Method (including current  standard Cash Advances, and different promotional balances, such as Balance Transfers. rate. We do this for each day in the billing period. This gives us the interest charges 
   transactions) 
                  How We Figure the Daily Balance for Each Transaction Category for each Transaction Category. To get a daily periodic rate, we divide the APR that 
                  �  We start with the beginning balance for each day. The beginning balance for the  applies to the Transaction Category by 365.
                   first day of the billing period is your balance on the last day of your previous billing period. �  We add up all the daily interest charges. The sum is the total interest charge for 
                  �  We add any interest charges accrued on the previous day�s daily balance and any  the billing period.
                   new transactions and fees. We add any new transactions or fees as of the later of  How We Include Fees
                   the Transaction Date or the first day of the billing period in which the transaction or 
                                                    We add Balance Transfer Fees to the applicable Balance Transfer Transaction 
                   fee posted to your Account.
                                                   Category. We add Cash Advance Fees to the applicable Cash Advance Transaction 
                  � We subtract any new credits and payments.
                                                   Category. We add all other fees to the standard Purchase Transaction Category.
                  �  We make other adjustments (including those adjustments required in the �Paying 
                   Interest� section).
   Paying Interest  When Interest Charges Begin    Date shown on that billing statement, we will not impose interest charges on 
                  We begin to impose interest charges on a transaction, fee, or interest charge from  New Purchases. New Purchases are Purchases that first appear on the next billing 
                  the day we add it to the daily balance. We continue to impose interest charges  statement. Interest will continue to accrue each day on Purchases that appeared on 
                  until you pay the total amount you owe us. You can avoid paying interest on  previous billing statements until you pay the New Balance in full and will be billed in 
                  Purchases as described below. However, you cannot avoid paying interest on  the next billing cycle.
                  Balance Transfers or Cash Advances.
                                                    How We Apply Payments May Impact Your Grace Period
                   How to Avoid Paying Interest on Purchases (�Grace Period�)  If you do not pay your New Balance in full each month, then, depending on the balance 
                  If you pay the New Balance on your current billing statement by the Payment Due 
                                                   to which we apply your payment, you may not get a grace period on new Purchases.
   OTHER IMPORTANT INFORMATION
   Default        You are in default if:           �  you fail to comply with the terms of this Agreement or any Agreement with us or 
                                                    an Affiliate, including failing to make a required payment when due, exceeding 
                  �  you file bankruptcy or another insolvency proceeding is filed by you or against you;
                                                    your Account credit line or using your Card or Account for an illegal transaction.
                  �  we have a reasonable belief that you are unable or unwilling to repay your 
                                                   If you are in default, we may declare the entire balance of your Account immediately 
                   obligations to us;
                                                   due and payable without notice.
                  � you die or are legally declared incompetent or incapacitated;
   Collection Costs If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable attorneys� fees, court or other collection costs, 
                  and fees and costs of any appeal.
   Merchant Disputes If you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a credit to your Account. You assign to us 
                  your claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing.
   Automatic Account  You may set up automatic billing or store your Account information with an Affiliate, merchant, wallet provider, or other third party (�Permitted Party�). If you do, you authorize 
   Information Updates us to share your Account information, which may include your rewards account balance, with the Permitted Party, regarding the use of your Account. If your Account information 
                  changes, which may include your billing address, you authorize us to provide this updated information to any such Permitted Party at our discretion. You must contact the Permitted 
                  Party directly or remove your credit card information from the Permitted Party website if you wish to stop automatic billing or Account updates.
   Our Privacy Policy We send you our Privacy Policy when you open your Account and annually. Contact us  � how we safeguard its confidentiality and security;
                  or visit Discover.com if you would like a copy. Please read it carefully. It summarizes:  � when it may be shared with others; and 
                  � the personal information we collect;
                                                   � how you can limit our sharing of this information.
   Credit Reporting   You authorize us to get information from credit reporting agencies and other sources for servicing or review of your Account, collection, and any other use permitted by law, 
   Agency Information including to consider you for other products and services. We may report the status and payment history of your Account to credit reporting agencies and other creditors. We 
                  normally report to credit reporting agencies each month. If you believe that information we reported is inaccurate or incomplete, please write us at Discover, P.O. Box 30939, 
                  Salt Lake City, UT 84130-0939. Please include your name, address, home phone number, and Account number.
   Our Communications   You agree that we, our Affiliates, and agents, including service providers (�Authorized Parties�) may contact you, including calls, text message, or email, about any current or 
   with You       future accounts or applications, with respect to all products you have with us at any phone number or email (i) you have provided to us, (ii) from which you contacted us, or 
                  (iii) which we obtained and believe we can reach you at, even if your phone provider may charge you message and data rates for calls or texts. You agree that the Authorized 
                  Parties may record or monitor any calls between you and the Authorized Parties. You agree to notify us if you change or discontinue using any phone number you provide. 
                  You agree that the Authorized Parties may contact you using an automatic dialer or pre-recorded voice message. If you no longer wish to be contacted on your cell phone by 
                  an automated dialer or pre-recorded voice message, you must provide us written notice cancelling your consent at this address: Discover Bank, P.O. Box 30937, Salt Lake City, 
                  UT 84130-0937. The written notice must include: your name, mailing address, the last four digits of your Account number, and the specific cell phone number(s) for which you 
                  would like to cancel your consent to be contacted by an automated dialer or pre-recorded voice message.
   Unauthorized Use You must notify us immediately if: your Card is lost or stolen, or you believe someone is using your Account or a Card without your permission.
   Cancellation of   �  You may cancel your Account. You will remain responsible for any amount you  � We may cancel, suspend or not renew your Account at any time without notice.
   Your Account    owe us under this Agreement. 
                  �  Any joint Accountholder may cancel a joint Account. However, both of you will 
                    remain responsible for paying all amounts owed.
                                          -4-
   Purchases and Cash Advances  If you make a Purchase or Cash Advance in a foreign currency, we will convert it to U.S. dollars using a rate we choose. This rate will either be a government-mandated 
   in Foreign Currencies rate, a government-published rate, or the interbank exchange rate, depending on the country and currency in which the transaction is made. We use the rate in effect on 
                  the conversion date for the transaction. This rate may be different than the rate in effect on the Transaction Date for the transaction.
   Governing Law  This Agreement is governed by applicable federal law and by Delaware law. However, in the event you default and we file a lawsuit to recover funds loaned to you, the 
                  statute of limitations of the state where the lawsuit is filed will apply, without regard to that state�s conflicts of laws principles or its �borrowing statute.�
   Severability   Except as set forth in the �Arbitration� section, if any part of this Agreement is found to be invalid, the rest of it will still remain in effect.
   Enforcing this Agreement We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them.
   Assignment of Account We may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior 
                  written consent.
   MILITARY BORROWERS
   Statement of MAPR Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of 
                  consumer credit to a member of the Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36 percent. This rate must include, as applicable 
                  to the credit transaction or account: (1) the costs associated with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; 
                  (3) any application fee charged (other than certain application fees for specified credit transactions or accounts); and (4) any participation fee charged (other than certain 
                  participation fees for a credit card account). If you would like more information about whether this section applies to you, please contact us at 1- 844- DFS- 4MIL (1-844-
                  337-4645) anytime 24/7. If calling outside the U.S. you can contact us at +1-801-451-3730.
   Oral Disclosures Before agreeing to this Agreement, in order to hear important disclosures and payment information about this Agreement, please call 1- 844- DFS- 4MIL (1-844-337-4645) 
                  anytime 24/7. If calling outside the U.S., you can contact us at +1-801-451-3730. 
   CONTACT US
   Unless we tell you otherwise, you can notify us: � by phone at 1-800-347-3085 or � in writing to Discover, P.O. Box 30943, Salt Lake City, UT 84130-0943.
   When writing, please include your name, address, home phone number, and Account number. You must contact us within 15 days after changing your email address, mailing address, or phone number.
   DEFINITIONS
   �Account� means your Discover card account. � Pricing Schedule� means the document entitled �Pricing Schedule, � which lists the APRs that apply 
   �Af?liate� means our parent corporations, subsidiaries, and affiliates. to your Account and other important information.
   � Authorized  User� means any person you authorize to use your Account or a Card, whether you  � Prime  Rate� means the highest rate of interest listed as the U.S. Prime Rate in the Money Rates 
   notify us or not.                        section of the online Wall Street Journal (www.wsj.com) on the last business day of the month.
   �Balance Transfer� means a balance transferred from another creditor to your Account. � Purchase� means the use of your Account to purchase or lease goods or services at 
                                            participating merchants.
   � Card� means any one or more Discover cards issued to you or someone else with your authorization.
                                            �We,� �us,� and �our� refer to Discover Bank, the issuer of your Card.
   �Cash Advance� means the use of your Account for:
                                            � You,�  �your,� or �yours� refer to you and any other person(s) who are also contractually liable 
     �  obtaining cash from participating automated teller machines, financial institutions, or other 
                                            under this Agreement.
    locations; and
                                            �Transaction Date� means the date shown on your billing statement for a transaction or fee.
     �  online gambling, or to purchase lottery tickets, money orders, casino chips, foreign currency, or 
    similar items.
   �Check� means any check we send to you to access your Account.
   ARBITRATION
   Agreement to Arbitrate. In the event of a dispute between you  CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN  Governing Law and Rules. This arbitration agreement is 
   and us arising out of or relating to this Account or the relationships  INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY  governed by the Federal Arbitration Act (�FAA�). Arbitration must 
   resulting from this Account or any other dispute between you or  JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST  proceed only with the American Arbitration Association (�AAA�). 
   us, including, for example, a dispute based on a federal or state  The rules for the arbitration will be those in this arbitration  OTHER CARDMEMBERS, OR LITIGATE IN COURT OR ARBITRATE 
   statute or local ordinance (�Claim�), either you or we may choose  agreement and the procedures of the AAA, but the rules in this 
                              ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR 
   to resolve the Claim by binding arbitration, as described below,  arbitration agreement will be followed if there is disagreement 
                              IN A PRIVATE ATTORNEY GENERAL CAPACITY. 
   instead of in court. Any Claim (except for a Claim challenging the  between the agreement and the AAA�s procedures. If the AAA�s 
   validity or enforceability of this arbitration agreement, including  The arbitrator may award injunctive relief only in favor of the  procedures change after the Claim is filed, the procedures in effect 
   the Class Action Waiver) may be resolved by binding arbitration  individual party seeking relief and only to the extent necessary  when the Claim was filed will apply.
   if either side requests it. THIS MEANS IF EITHER YOU OR WE  to provide relief warranted by that party�s individual Claim. The  For a copy of the AAA�s procedures, to file a Claim, or for other 
   CHOOSE ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO  arbitrator may not award class, representative, or public injunctive  information, please contact the AAA at 1101 Laurel Oak Rd., 
   LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO  relief. If a court decides that applicable law precludes enforcement  Voorhees, NJ 08043, www.adr.org (1-877-495-4185).
   DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION.
                              of any of this paragraph�s limitations as to a particular Claim  If the AAA is completely unavailable, and if you and we cannot 
   Even if all parties have opted to litigate a Claim in court, you or we  for relief, then after all appeals from that decision have been  agree on a substitute, then either you or we may request that a 
   may elect arbitration with respect to any Claim made by a new party  exhausted, that Claim (and only that Claim) must be severed from  court with jurisdiction appoint a substitute.
   or any new Claims later asserted in that lawsuit. 
                              the arbitration and may be brought in court. Only a court, and not  Fees and Costs. If you wish to begin arbitration against us but 
   This arbitration agreement does not apply if, on the date you submit 
                              an arbitrator, shall determine the validity, scope, and effect of the  you cannot afford to pay the AAA�s or arbitrator�s costs, we will 
   your Application or on the date we seek to invoke this arbitration 
                              Class Action Waiver.       advance those costs if you ask us in writing. Any request like this 
   agreement, you are a member of the Armed Forces or a dependent  should be sent to Discover, P.O. Box 30421, Salt Lake City, UT 
                              Your Right to Go To Small Claims Court. We will not choose to 
   of such a member covered by the federal Military Lending Act. If  84130-0421. If you lose the arbitration, the arbitrator will decide 
   you would like more information about whether you are covered  arbitrate any individual Claim you bring in small Claims court or your 
                                                         whether you must reimburse us for money we advanced for you 
   by the Military Lending Act, please contact us at 1-844-DFS-4MIL  state�s equivalent court. However, if such a Claim is transferred, 
                                                         for the arbitration. If you win the arbitration, we will not ask for 
   (1-844-337-4645) or if you are calling from outside the U.S. at  removed, or appealed to a different court, we may then choose   reimbursement of money we advanced. Additionally, if you win the  
   +1-801-451-3730.           to arbitrate.               
                                          -5-
   ARBITRATION
   arbitration, the arbitrator may decide that you are entitled to be  of the Claim (�Claim Notice�) at least 30 days before initiating the  Users of your Account(s).
   reimbursed your reasonable attorneys� fees and costs (if actually  arbitration proceeding. The Claim Notice must include your name,  Survival of this Agreement. This arbitration agreement shall 
   paid by you).              address, and account number and explain in reasonable detail the  survive:
   Hearings and Decisions. Arbitration hearings will take place in  nature of the Claim and any supporting facts. Any Claim Notice shall 
                                                         � closing of your Account;
   the federal judicial district where you live. A single arbitrator will  be sent to us at Discover, P.O. Box 794, Deerfield, IL 60015 (or such 
                                                         � voluntary payment of your Account or any part of it;
   be appointed. The arbitrator must: other address as we shall subsequently provide to you). If, and only 
                                                         � any legal proceedings to collect money you owe;
                              if, (1) you submit a Claim Notice in accordance with this agreement 
   �  Follow all applicable substantive law, except when contradicted 
                              on your own behalf (and not on behalf of any other party); and (2)  � any bankruptcy by you; and
    by the FAA;
                              an arbitrator, after finding in your favor in any respect on the merits  � any sale by us of your Account.
   � Follow applicable statutes of limitations;
                              of your Claim, issues you an award that (excluding any arbitration  You Have the Right to Reject Arbitration for this Account. 
   � Honor valid Claims of privilege; fees or attorneys� fees and costs awarded by the arbitrator) is  You may reject the arbitration agreement but only if we 
   � Issue a written decision including the reasons for the award. greater than the value of Discover�s last written settlement offer  receive from you a written notice of rejection within 
   The arbitrator�s decision will be final and binding except for any  made before an arbitrator was selected, then you will be entitled to  30 days of your receipt of the Card after your Account is 
   review allowed by the FAA. However, if more than $100,000 was  the amount of the award or $7,500, whichever is greater. If you are  opened. You must send the notice of rejection to: Discover, 
   genuinely in dispute, then either you or we may choose to appeal to  entitled to the $7,500, you will receive in addition any arbitration  P.O. Box 30938, Salt Lake City, UT 84130-0938. Your rejection 
   a new panel of three arbitrators. The appellate panel is completely  fees or attorneys� fees and costs awarded by the arbitrator.  notice must include your name, address, phone number, Account 
   free to accept or reject the entire original award or any part of it.  Any arbitration award may be enforced (such as through a  number, and personal signature. No one else may sign the 
   The appeal must be filed with AAA not later than 30 days after  judgment) in any court with jurisdiction. rejection notice for you. Your rejection notice must not be sent 
   the original award issues. The appealing party pays all appellate  Other Bene?ciaries of this Agreement. In addition to you and  with any other correspondence. Rejection of arbitration will not 
   costs unless the appellate panel determines otherwise as part of  us, the rights and duties described in this arbitration agreement  affect your other rights or responsibilities under this Agreement. 
   its award.                 apply to: our Affiliates and our and their officers, directors, and  If you reject arbitration, neither you nor we will be subject to the 
                                                         arbitration agreement for this Account. Rejection of arbitration 
   Claim Notice and Special Payment. If you have a Claim, before  employees; any third party co-defendant of a Claim subject to this 
   initiating an arbitration proceeding, you may give us written notice  arbitration agreement; and all joint Accountholders and Authorized  for this Account will not constitute rejection of any prior or future 
                                                         arbitration agreement between you and us.
                  Your Billing Rights:      After we ?nish our investigation, one of two things will happen:
                                            �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees 
              Keep This Document For Future Use
                                             related to that amount.
   This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
                                            �  If we do not believe there was a mistake: You will have to pay the amount in question, along with 
   What To Do If You Find A Mistake On Your Statement applicable interest and fees. We will send you a statement of the amount you owe and the date 
   If you think there is an error on your statement, write to us at: payment is due. We may then report you as delinquent if you do not pay the amount we think  
                                             you owe.
   Discover
   P.O. Box 30421                           If you receive our explanation but still believe your bill is wrong, you must write to us (or visit  
   Salt Lake City, UT 84130-0421.           https://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. If you do so, we 
   You may also contact us on the Web: https://discover.com/billingerrornotice cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you 
                                            the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
   In your letter or on the Web, please give us the following information:
                                            when the matter has been settled between us.
   � Account information: Your name and account number.
                                            If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question 
   � Dollar amount: The dollar amount of the suspected error.
                                            even if your bill is correct.
   �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong 
    and why you believe it is a mistake.    Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
   You must contact us:                     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
                                            have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
   � Within 60 days after the error appeared on your statement.
                                            remaining amount due on the purchase.
   �  By 5:00 P.M. ET on the date an automated payment is scheduled, if you want to stop payment on the 
    amount you think is wrong. You must notify us of any potential errors in writing or electronically. You  To use this right, all of the following must be true:
    may call us, but if you do we are not necessarily required to investigate any potential errors and you may 
                                            1.  The purchase must have been made in your home state or within 100 miles of your current mailing 
    have to pay the amount in question.
                                             address, and the purchase price must have been more than $50. (Note: Neither of these are necessary 
   What Will Happen After We Receive Your Letter or Web Submission if your purchase was based on an advertisement we mailed to you, or if we own the company that sold 
                                             you the goods or services.)
   When we receive your written or electronic notice, we must do two things:
                                            2.  You must have used your credit card for the purchase. Purchases made with cash advances from an 
   1.  Within 30 days of receiving your notice, we must tell you that we received it. We will also tell you if we 
                                             ATM or with a check that accesses your credit card account do not qualify.
    have already corrected the error.
   2.  Within 90 days of receiving your notice, we must either correct the error or explain to you why we  If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 
    believe the bill is correct.            or electronically at:
   While we investigate whether or not there has been an error: Discover 
                                            P.O. Box 30945 
   �  We cannot try to collect the amount in question, or report you as delinquent on that amount.
                                            Salt Lake City, UT 84130-0945
   �  The charge in question may continue to appear on your statement.
                                            https://discover.com/billingerrornotice
   �  While you do not have to pay the amount in question, you are responsible for the remainder of 
    your balance.                           While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
   � We can apply any unpaid amount against your credit limit. our investigation, we will tell you our decision. At that point, if we think you owe an amount and you 
                                            do not pay, we may report you as delinquent.
                                          -6-