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 From 11.99% to 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 APR for Balance Transfers From 11.99% to 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 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 from 8.74% to 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  CMAPRDI123121
                                          -1-
   FDIC CMAPRDI033120
                                          -1-
                              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 4.
   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  �  We credit your payments in accordance with the terms contained on your 
                   allowed. All checks must be drawn on funds on deposit in the U.S.  billing statement.
                  �  You must pay us for all amounts due on your Account. This includes charges made  �  If you mail your payment to an address other than the address designated on your 
                   by Authorized Users.             billing statement, there may be a delay in processing and crediting the payment 
                  �  We may refuse to accept a payment in a foreign currency. If we do accept it,  to your Account.
                   we will charge your Account our cost to convert it to U.S. dollars. �  If a third party makes a payment on your Account and we return all or a part of 
                  �  We can accept late payments, partial payments, or payments marked  such payment, then we may adjust your Account for any amount returned. We 
                                                    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.
   Minimum Payment Due You may pay the entire New Balance shown on your billing statement at any  for any debt protection product that you enrolled in on or after 2/1/2015; Interest 
                  time. Each billing period you must pay at least the Minimum Payment Due by the  Charges; and Late Fees.
                  Payment Due Date shown on your billing statement. The Minimum Payment Due  The Minimum Payment Due may also include amounts by which you exceed 
                  will be any amount past due plus the greater of: your Account credit line. However, it will never exceed the New Balance. When 
                  � $35; or                        we calculate the Minimum Payment Due, we may subtract from the New Balance 
                  � 2% of the New Balance shown on your billing statement; or certain fees added to your Account during the billing period. The Minimum Payment 
                                                   Due is rounded up to the nearest dollar.
                  �  $20, plus any of the following charges as shown on your billing statement: fees 
   �2021 Discover Bank, Member FDIC
                                          -2-                                               EBZ_21_823701_01_Cardmember Agreement_Prime_011322_Release
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   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  �  We make other adjustments (including those adjustments required in the �Paying 
   Charges�Daily Balance  balance� for each Transaction Category. Transaction Categories include standard  Interest� section).
   Method (including current 
                  Purchases, standard Cash Advances, and different promotional balances, such as  How We Figure Your Total Interest Charges
   transactions) 
                  Balance Transfers.               �  We multiply the daily balance for each Transaction Category by its daily periodic 
                  How We Figure the Daily Balance for Each Transaction Category rate. We do this for each day in the billing period. This gives us the interest charges  
                                                    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 
                                                    applies to the Transaction Category by 365. the first day of the billing period is your balance on the last day of your previous 
                                                   �  We add up all the daily interest charges. The sum is the total interest charge for  billing period.
                                                    the billing period. �  We add any interest charges accrued on the previous day�s daily balance and any 
                   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   We add Balance Transfer Fees to the applicable Balance Transfer Transaction 
                   or 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.
   Paying Interest  When Interest Charges Begin    New Purchases. New Purchases are Purchases that first appear on the next billing 
                  We begin to impose interest charges on a transaction, fee, or interest charge from  statement. Interest will continue to accrue each day on Purchases that appeared on 
                  the day we add it to the daily balance. We continue to impose interest charges  previous billing statements until you pay the New Balance in full and will be billed 
                  until you pay the total amount you owe us. You can avoid paying interest on  in the next billing cycle.
                  Purchases as described below. However, you cannot avoid paying interest on  How We Apply Payments May Impact Your Grace Period
                  Balance Transfers or Cash Advances. If you do not pay your New Balance in full each month, then, depending on the 
                   How to Avoid Paying Interest on Purchases (�Grace Period�) balance to which we apply your payment, you may not get a grace period on  
                  If you pay the New Balance on your current billing statement by the Payment Due  New Purchases.
                  Date shown on that billing statement, we will not impose interest charges on 
   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.  � how we safeguard its confidentiality and security; 
                  Contact us or visit Discover.com if you would like a copy. Please read it carefully.  � when it may be shared with others; and  
                  It summarizes:                   � how you can limit our sharing of this information.
                  � the personal information we collect;
   Credit Reporting Agency  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, 
   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 canceling 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.
                                          -3-                                                   EBZ_21_823701_01_Cardmember  Agreement_Prime_011322_Release
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   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.
   OTHER IMPORTANT INFORMATION
   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. �Check� means any check we send to you to access your Account.
   �Af?liate� means our parent corporations, subsidiaries, and affiliates. � Pricing Schedule� means the document entitled �Pricing Schedule, � which lists the APRs that apply 
   � Authorized User� means any person you authorize to use your Account or a Card, whether you  to your Account and other important information.
   notify us or not.                        � Prime Rate� means the highest rate of interest listed as the U.S. Prime Rate in the Money Rates 
   �Balance Transfer� means a balance transferred from another creditor to your Account. section of the online Wall Street Journal (www.wsj.com) on the last business day of the month.
   �Card� means any one or more Discover cards issued to you or someone else with your authorization. � Purchase� means the use of your Account to purchase or lease goods or services at  
                                            participating merchants.
   �Cash Advance� means the use of your Account for:
                                            �We,� �us,� and �our� refer to Discover Bank, the issuer of your Card.
     �  obtaining cash from participating automated teller machines, financial institutions, or other 
    locations; and                          � You,� �your,� or �yours� refer to you and any other person(s) who are also contractually liable 
                                            under this Agreement.
     �  online gambling, or to purchase lottery tickets, money orders, casino chips, foreign currency, or 
                                            �Transaction Date� means the date shown on your billing statement for a transaction or fee.
    similar items.
   ARBITRATION
   Agreement to Arbitrate. In the event of a dispute between you  This arbitration agreement does not apply if, on the date you  relief. If a court decides that applicable law precludes enforcement of 
   and us arising out of or relating to this Account or the relationships  submit your Application or on the date we seek to invoke  any of this paragraph�s limitations as to a particular Claim for relief, 
   resulting from this Account or any other dispute between you or  this arbitration agreement, you are a member of the Armed  then after all appeals from that decision have been exhausted, that 
                                                         Claim (and only that Claim) must be severed from the arbitration and  us, including, for example, a dispute based on a federal or state  Forces or a dependent of such a member covered by the federal 
                                                         may be brought in court. Only a court, and not an arbitrator, shall 
   statute or local ordinance (�Claim�), either you or we may choose  Military Lending Act. If you would like more information 
                                                         determine the validity, scope, and effect of the Class Action Waiver.
   to resolve the Claim by binding arbitration, as described below,  about whether you are covered by the Military Lending Act, 
   instead of in court. Any Claim (except for a Claim challenging the  please contact us at 1-844-DFS-4MIL (1-844-337-4645) or  Your Right to Go To Small Claims Court. We will not choose 
   validity or enforceability of this arbitration agreement, including  if you are calling from outside the U.S. at +1-801-451-3730. to arbitrate any individual Claim you bring in small Claims court 
   the Class Action Waiver) may be resolved by binding arbitration  or your state�s equivalent court. However, if such a Claim is 
                              CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN 
   if either side requests it. THIS MEANS IF EITHER YOU OR WE  transferred, removed, or appealed to a different court, we may  INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY 
   CHOOSE ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO  JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR  then choose to arbitrate.
   LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO  AGAINST OTHER CARDMEMBERS, OR LITIGATE IN COURT OR  Governing Law and Rules. This arbitration agreement is 
   DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER  governed by the Federal Arbitration Act (�FAA�). Arbitration must 
                              OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. 
   Even if all parties have opted to litigate a Claim in court, you or  proceed only with the American Arbitration Association (�AAA�). 
                              The arbitrator may award injunctive relief only in favor of the 
   we may elect arbitration with respect to any Claim made by  The rules for the arbitration will be those in this arbitration 
                              individual party seeking relief and only to the extent necessary 
   a new party or any new Claims later asserted in that lawsuit.  agreement and the procedures of the AAA, but the rules in this 
                              to provide relief warranted by that party�s individual Claim. The 
                                                         arbitration agreement will be followed if there is disagreement 
                              arbitrator may not award class, representative, or public injunctive 
                                          -4-
   ARBITRATION
   between the agreement and the AAA�s procedures. If the AAA�s  The arbitrator�s decision will be final and binding except for any  Other Bene?ciaries of this Agreement. In addition to you and 
   procedures change after the Claim is filed, the procedures in effect  review allowed by the FAA. However, if more than $100,000 was  us, the rights and duties described in this arbitration agreement 
   when the Claim was filed will apply. genuinely in dispute, then either you or we may choose to appeal to  apply to: our Affiliates and our and their officers, directors, and 
                              a new panel of three arbitrators. The appellate panel is completely  employees; any third party co-defendant of a Claim subject to this 
   For a copy of the AAA�s procedures, to file a Claim, or for other 
                              free to accept or reject the entire original award or any part of it.  arbitration agreement; and all joint Accountholders and Authorized 
   information, please contact the AAA at 1101 Laurel Oak Rd., 
                              The appeal must be filed with AAA not later than 30 days after  Users of your Account(s).
   Voorhees, NJ 08043, www.adr.org (1-877-495-4185).
                              the original award issues. The appealing party pays all appellate  Survival of this Agreement. This arbitration agreement shall 
   If the AAA is completely unavailable, and if you and we cannot 
                              costs unless the appellate panel determines otherwise as part of  survive:
   agree on a substitute, then either you or we may request that a 
                              its award.
                                                         � closing of your Account;
   court with jurisdiction appoint a substitute.
                              Claim Notice and Special Payment. If you have a Claim, before  � voluntary payment of your Account or any part of it;
   Fees and Costs. If you wish to begin arbitration against us but 
                              initiating an arbitration proceeding, you may give us written notice 
   you cannot afford to pay the AAA�s or arbitrator�s costs, we will  � any legal proceedings to collect money you owe;
                              of the Claim (�Claim Notice�) at least 30 days before initiating the 
   advance those costs if you ask us in writing. Any request like this  � any bankruptcy by you; and
                              arbitration proceeding. The Claim Notice must include your name, 
   should be sent to Discover, P.O. Box 30421, Salt Lake City, UT 
                              address, and account number and explain in reasonable detail the  � any sale by us of your Account.
   84130-0421. If you lose the arbitration, the arbitrator will decide 
                              nature of the Claim and any supporting facts. Any Claim Notice  You Have the Right to Reject Arbitration for this Account. 
   whether you must reimburse us for money we advanced for you 
                              shall be sent to us at Discover, P.O. Box 794, Deerfield, IL 60015  You may reject the arbitration agreement but only if we 
   for the arbitration. If you win the arbitration, we will not ask for 
                              (or such other address as we shall subsequently provide to you).  receive from you a written notice of rejection within 
   reimbursement of money we advanced. Additionally, if you win the 
                              If, and only if, (1) you submit a Claim Notice in accordance with  30 days of your receipt of the Card after your Account is 
   arbitration, the arbitrator may decide that you are entitled to be 
                              this agreement on your own behalf (and not on behalf of any  opened. You must send the notice of rejection to: Discover, 
   reimbursed your reasonable attorneys� fees and costs (if actually 
                              other party); and (2) an arbitrator, after finding in your favor in  P.O. Box 30938, Salt Lake City, UT 84130-0938. Your rejection 
   paid by you).
                              any respect on the merits of your Claim, issues you an award  notice must include your name, address, phone number, Account 
   Hearings and Decisions. Arbitration hearings will take place in  that (excluding any arbitration fees or attorneys� fees and costs  number, and personal signature. No one else may sign the 
   the federal judicial district where you live. A single arbitrator will  awarded by the arbitrator) is greater than the value of the last  rejection notice for you. Your rejection notice must not be sent 
   be appointed. The arbitrator must: written settlement offer from Discover made before an arbitrator  with any other correspondence. Rejection of arbitration will not 
   �  Follow all applicable substantive law, except when contradicted  was selected, then you will be entitled to the amount of the award  affect your other rights or responsibilities under this Agreement. 
    by the FAA;               or $7,500, whichever is greater. If you are entitled to the $7,500,  If you reject arbitration, neither you nor we will be subject to the 
                                                         arbitration agreement for this Account. Rejection of arbitration 
   � Follow applicable statutes of limitations; you will receive in addition any arbitration fees or attorneys� fees 
                              and costs awarded by the arbitrator.  for this Account will not constitute rejection of any prior or future 
   � Honor valid Claims of privilege;
                                                         arbitration agreement between you and us. 
                              Any arbitration award may be enforced (such as through a 
   � Issue a written decision including the reasons for the award.
                              judgment) in any court with jurisdiction.
                  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.
                                            �  If we do not believe there was a mistake: You will have to pay the amount in question, along with  This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
                                             applicable interest and fees. We will send you a statement of the amount you owe and the date 
   What To Do If You Find A Mistake On Your Statement
                                             payment is due. We may then report you as delinquent if you do not pay the amount we think  
   If you think there is an error on your statement, write to us at:
                                             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  
                                            https://discover.com/billingerrornotice) within 10 days telling us that you still refuse to pay. If you do so, we 
   Salt Lake City, UT 84130-0421.
                                            cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you 
   You may also contact us on the Web: https://discover.com/billingerrornotice
                                            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 
                                            Your Rights If You Are Dissatis?ed With Your Credit Card Purchases
    and why you believe it is a mistake.
                                            If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
   You must contact us:
                                            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 
                                            To use this right, all of the following must be true:
    amount you think is wrong. You must notify us of any potential errors in writing or electronically. You 
    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 
                                             if your purchase was based on an advertisement we mailed to you, or if we own the company that sold 
   What Will Happen After We Receive Your Letter Or Web Submission 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.
                                            If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing 
   2.  Within 90 days of receiving your notice, we must either correct the error or explain to you why we  or electronically at:
    believe the bill is correct.            Discover 
                                            P.O. Box 30945 
   While we investigate whether or not there has been an error:
                                            Salt Lake City, UT 84130-0945 
   �  We cannot try to collect the amount in question, or report you as delinquent on that amount.
                                            https://discover.com/billingerrornotice
   �  The charge in question may continue to appear on your statement.
   �  While you do not have to pay the amount in question, you are responsible for the remainder of  While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
    your balance.                           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.
   � We can apply any unpaid amount against your credit limit.
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