*Intro purchaseAPRis0%for6months from date of account opening ; then the standard purchaseAPRapplies. Intro Balance TransferAPRis10.99%for6months from date of first transfer, for transfers under this offer that post to your account byDecember 10, 2017; then the standard purchaseAPRapplies. Standard purchaseAPR:13.99%variable to22.99%variable, based on your creditworthiness. CashAPR:25.99%variable. VariableAPRswill vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either$10or5%of the amount of each cash advance, whichever is greater. Balance transfer fee:3%of the amount of each transfer.Annual Fee:None. Rates as ofAugust 31, 2017. We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higherAPRsbefore balances with lowerAPRsas of the date we credit your payment.

1. Good Grades Rewards:Good Grade Reward only available to new cardmembers on or after 7/23/2015 who indicate on their application that they are currently enrolled in college, and whose accounts are current and remain open when the Good Grade Reward is requested. Students with a Discover itor Discover itchrome card who have a GPA of 3.0 or higher (or equivalent) during a School Year (September - August) may apply at Discover.com for a $20 Cashback Bonus ("Good Grade Reward"). One Good Grade Reward per School Year, per account, up to a maximum of five (5) consecutive years from the date your account is opened. Terms of Good Grade Reward Offer are subject to change.

2. Cashback Match^TM:Only from Discover, as of July 2017. No purchase minimums. After the first 12 consecutive billing periods that your new account is open, we will match all of the cash back rewards you've earned and apply them to your account in the following one or two billing periods. If your account is closed or no longer in the cash back reward program at the time we calculate your potential award, your cash back will not be matched. You've earned cash back rewards when they have posted to your account by the end of the 12th consecutive billing period. This promotional offer may not be offered in the future. This exclusive offer is available only to new cardmembers.

3. Redeem Any Amount Any Time:We will credit your account with your cash back bonus balance if your account is closed or has not been used in 18 months.See rewards terms and conditions.

4. Use Rewards at Amazon.com:Amazon is not a sponsor of this promotion. Amazon, Amazon.com, the Amazon.com logo and the smile logo are registered trademarks of the Amazon.com, Inc. or its affiliates. For complete details on how to Pay with Cashback Bonus at Amazon.com seeAmazon.com/Cashback Bonus.

5. Freeze it:When you freeze your account, Discover will not authorize new purchases, cash advances or balance transfers. However, some activity will continue, including bills that merchants mark as recurring, as well as returns, credits, dispute adjustments, payments, Discover protection product fees, other account fees, interest, rewards redemptions and certain other exempted transactions.

6. Free Overnight Card Replacement:Overnight shipping is not available to P.O. boxes or addresses outside the U.S. Carrier overnight shipping limitations apply that may impact the exact delivery date.

7. FICOCredit Score Terms:Your FICOCredit Score and key factors are based on data from TransUnion and may be different from other credit scores. This information is intended for and only provided to Primary cardmembers who have an available score. SeeDiscover.com/FICOabout the availability of your score. Your score and key factors are available on Discover.com and your score is provided on statements. You will see up to a year of recent scores online starting when you become a cardmember. Discover and other lenders may use different inputs, such as a FICOCredit Score, other credit scores and more information in credit decisions. This benefit may change or end in the future. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.

If you prefer not to receive your FICOCredit Score just call us at 1-800-DISCOVER (1-800-347-2683). Please give us two billing cycles to process your request. To learn more, visitDiscover.com/FICO.

8. DiscoverIdentity Alerts:Offered by Discover Bank at no cost, only available online, and currently include the following services: (a) daily monitoring of your Experiancredit report and an alert when a new account is listed on your report; (b) daily monitoring of thousands of risky websites known for revealing personal information and an alert if your Social Security number on is found on such a website. This information is intended for, and only provided to, Primary credit cardmembers whose accounts are open, in good standing and have an email address on file. The Primary cardmember must agree online to receive identity alerts. Identity alert services are based on Experian information and data which may differ from information and data at other credit bureaus. Monitoring your credit report does not impact your credit score. This benefit may change or end in the future. Discover Bank is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. SeeFrequently Asked Questions.

FEES

Set-up and Maintenance Fees

Annual Fee None

Transaction Fees

Balance Transfer 3%of the amount of each transfer

Cash Advance Either$10or5%of the amount of each cash advance, whichever is greater.

Penalty Fees

Late Payment Nonethe first time you pay late. After that, up to$37

Returned Payment Up to$37

1. This card has an introductory APR of 0%.Credit cards often apply this to entice customers.

What will the interest rate be after 6 months and why does it vary?

2. What is the yearly fee for the privilege of having this card?

3. Supposing somebody has another credit card with a balance of $600 and he wants to transfer that

balance to his new Discover It Card.What will the fee be?

4.What can happen when he misses his first late payment?

5. What is a "cash advance," and what is the APR for each of those?

6, Suppose he takes out a cash advance of $400. Determine the dollar amount of the fee he would be charged.

7. After the introductory period is over, determine how much it would cost him in interest to carry a balance of $5000 for one day with a 13.24% APR.

8. After missing a payment a second time what will be the late charge?

9. After receiving his Discover It Card he immediately charges $500 and cannot pay off the balance for three months how much will it cost him to pay off the account if no late fees are charged?

10. After transferring a balance of $800 and the necessary fees have been paid. He is now able to pay off the credit card after one month. How much will it cost him to pay off the account?

11. What is the advantage of having good grades in college when he has a Discover It Student Credit Card?

12. Why would he want to see his FICO Score every month?

13. Why would he want to freeze his card?

14.What would be the first three things he would do if his Discover It Card was stolen?

1.

2.

3.