Cosigner Addendum

to Application and Promissory Note TrID 2154934

This Cosigner Addendum adds the undersigned as a Cosigner to the Application and Promissory Note (Note) for a student loan for the borrower listed in Section B below.
The terms of this Cosigner Addendum will be incorporated into the Note by the Cosigner’s signature below.

Section A. Cosigner Information

1. Cosigner Last Name Cosigner First Name MI 2. Date of Birth 3. Social Security Number

DANIELS JENNIFER 9 /9 / 1957 - -

XXX-XX-0934



MM DD YYYY

4. Permanent Home Street Address (No PO Box) 5. Time at Current Address 6. Do You (check one):
✔ Own Rent Other

5000 9TH ST NW
8 Year(s)
1 Month(s)
8. Relationship to Student
City State ZIP Code 7. Monthly Housing Payment (check one):
✔ Parent Relative

WASHINGTON
DC
20011 $ 0 Guardian Other
9. Phone Consent Primary Phone Number (include area code)
By providing your phone numbers, you agree that Discover, its affiliates and agents may call you at these numbers. If this is a Land Line
(202)- 846-3434
- ✔
cell phone number, you agree that we may contact you using an automatic dialer, including pre-recorded messages and/or text
Mobile
messages, even if your cell phone provider may charge you for calls according to your current plan.
Alternate Phone Number (include area code)
In addition, by selecting “Yes” below and signing this application, you consent to receive offers and promotions on products and

services using any means as described above. Yes ✔ N o - - Land Line

Mobile
10. E-mail Address

DANIELSWASHINGTON110424@outlook.com
11. Employment Status 12. Occupation 13. Total Gross Income
✔ Annual

Retired $ 86500 Monthly
14. How much of your Total Gross Income includes non-taxable income? 15. Additional Household Income (optional) 16. How much of your Additional Household Income
✔ Annual ✔ Annual includes non-taxable income? (optional)
$0 Monthly $0 Monthly ✔ Annual

$ 0 Monthly
17. Requested Loan Amount 18. Citizenship (check one): 19. Country of Citizenship

$ 5000 ✔ US Citizen Permanent Resident International UNITED STATES OF AMERICA (THE)

Section B. Borrower Information

20. Borrower Last Name Borrower First Name MI 21. Date of Birth 22. Social Security Number

WILLIS 3 / 10 / 1988 - -
XXX-XX-2933
MALCOLM


MM DD YYYY

Section C. Cosigner Signature

“You” refers to the Cosigner and “we” or “us” refers to the lender Discover Bank. You have received, read, understand, and agree to be bound by all of the terms
and conditions of the Note, this Cosigner Addendum, and the other materials included with the Note, which are hereby incorporated by reference. You may obtain
a copy of the Note from the borrower or from us at DiscoverStudentLoans.com. You promise to pay us and any other holder of the loan all sums disbursed under the
terms of the Note, plus interest and all other charges that may become due as provided for by the Note. You declare that the information provided above is true and
complete to the best of your knowledge and belief. We may request a consumer credit report on you at any time. If you request, we will tell you whether or not a
consumer credit report was requested and if one was, the name and address of the consumer reporting agency that furnished the report.
By signing below, you certify that the loan proceeds you are cosigning will be spent for the cost of enrollment, at least half-time, in a degree program at the educational institution listed on the borrower’s application.
23. Signature of Cosigner 24. Date

/ /

MM DD YYYY

For Married Arizona Resident Cosigners

Marital Community Property Joinder: The undersigned spouse of the Cosigner joins in the execution of this Cosigner Addendum for the purpose of binding the
marital community property of Cosigner and the undersigned, in accordance with Arizona Revised Statutes § 25-214 or other applicable law. THE UNDERSIGNED
SPOUSE OF THE COSIGNER ACKNOWLEDGES RECEIPT FROM THE LENDER, PRIOR TO SIGNING BELOW, OF THIS “NOTICE TO COSIGNER.”
25. Signature of Cosigner Spouse for Married Arizona Resident 26. Date

/ /

MM DD YYYY
Please return completed form to: Discover Student Loans • PO Box 30947 • Salt Lake City, UT 84130-0947
DSL CA 202101-Vers-A007
Page 1 of 2
NOTICE TO COSIGNER (Traducción en Ingles Se Requiere Por La Ley)
You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn’t pay the debt, you will have to. Be
sure you can afford to pay if you have to, and that you want to accept this responsibility.
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay collection costs,
which increase this amount.
The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection
methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in
default, that fact may become a part of your credit record.
This notice is not the contract that makes you liable for the debt.
AVISO PARA EL FIADOR (Spanish Translation Required By Law)
Se le esta pidiendo que garantice esta deuda. Píenselo con cuidado antes de ponerse de acuerdo. Si la persona que ha pedido
este préstamo no paga la deuda, usted tendrá que pagarla. Esté seguro de que usted podrá pagar si sea obligado a pagarla y de
que usted desea aceptar la responsabilidad.
Si la persona que ha pedido el préstamo no paga la deuda, es posible que usted tenga que pagar la suma total de la deuda, mas
el costo de cobranza, lo cual aumenta el total de esta suma.
El acreedor (financiero) puede cobrarle a usted sin, primeramente, tratar de cobrarle al deudor. Los mismos métodos de cobranza
que pueden usarse contra el deudor, podrán usarse contra usted, tales como presentar una demanda en corte, quitar parte de su
sueldo, etc. Si alguna vez no se cumpla con la obligación de pagar esta deuda, se puede incluir esa información en la historia de
crédito de usted.
Este aviso no es el contrato mismo en que se le echa a usted la responsabilidad de la deuda.
SPECIAL NOTICE FOR RESIDENTS OF GEORGIA
By signing as Cosigner, you waive any right to require the Lender to commence an action against the Borrower as provided in the Official Code of Georgia
Annotated §10-7-24.

SPECIAL NOTICE FOR RESIDENTS OF IOWA, NEW YORK AND SOUTH CAROLINA
You agree to pay the debt identified below although you may not personally receive any property, services, or money. You may be
sued for payment although the person who receives the property, services, or money is able to pay. You should know that the Total of
Payments listed below does not include finance charges resulting from delinquency, late charges, repossession or foreclosure costs,
court costs or attorney’s fees, or other charges that may be stated in the note or contract. You will also have to pay some or all of
these costs and charges if the note or contract, the payment of which you are guaranteeing, requires the borrower to pay such costs
and charges. If this debt is ever in default, that fact may become a part of your credit record. This notice is not the note, contract, or
other writing that obligates you to pay that debt. Read that writing for the exact terms of your obligation.
IDENTIFICATION OF DEBT(S) YOU MAY HAVE TO PAY
Debtor The person identified as the Borrower in Section B of this Cosigner Addendum
Creditor Discover Bank
Date The date of your signature on this Cosigner Addendum. You may refer to the Cosigner Disclosure for
information about the timing of payments.
Kind of Debt Education Loan
Total of Payments The total of payments will be disclosed in the Cosigner Disclosure you will receive prior to the final loan
disbursement, and it will include the principal loan amount (which will not be greater than the Requested
Loan Amount set forth in Section A of this Cosigner Addendum) and accrued interest.
You have been given a completed copy of this notice and of each writing that obligates you or the Debtor on this debt.
SPECIAL NOTICE FOR RESIDENTS OF NORTH CAROLINA
By signing as Cosigner, I waive any right I have to require the Lender to proceed in accordance with the provisions of North Carolina General Statutes § 26-7
through § 26-9 and acknowledge that the Lender may proceed against me without first proceeding against the Borrower or any collateral for the loan.

SPECIAL NOTICE FOR RESIDENTS OF VERMONT

Your signature on this Note means that you are equally liable for repayment of this loan. If the borrower does not pay, the lender has
a legal right to collect from you.
SPECIAL NOTICE FOR RESIDENTS OF WISCONSIN
Explanation of Personal Obligation
a) You have agreed to pay the total of payments under a consumer credit transaction between the borrower on the Note and Discover Bank, made on the date
and in the amount set forth in the Note evidencing this transaction.
b) You will be liable and fully responsible for payment of the above amount even though you may not be entitled to any of the goods, services or loan proceeds
furnished thereunder.
c) The undersigned may sue in court for the payment of the amount due under this consumer credit transaction even though the customer named above may be
working or have funds to pay the amount due.
d) This explanation is not the agreement under which you are obligated, and the guaranty or agreement you have executed must be consulted for the exact
terms of your obligations.
e) You are entitled now, or at any time, to one free copy of any document you sign evidencing this transaction.
f ) The undersigned acknowledges receipt of an exact copy of this notice.
DSL CA 202101-Vers-A007
Page 2 of 2
 Promissory Note
THIS PROMISSORY NOTE CONTAINS AN ARBITRATION
PROVISION. ARBITRATION CAN HAVE A SUBSTANTIAL IMPACT
ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO A JURY
TRIAL AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION
LAWSUIT. YOU MAY REJECT THE ARBITRATION PROVISION AS
EXPLAINED IN SECTION X (ARBITRATION OF DISPUTES) BELOW.
A. PARTIES:
The words “we,” “our,” and “us” mean Discover Bank. The words
“Borrower,” “you,” and “your” refer to the Student and any
Cosigner. The “Student” is the student whose education the loan is
used to finance. The “Cosigner” is another person, other than the
Student, who agrees to be bound by all of the terms and conditions
of this Note. When the loan is made, both the Student and any
Cosigner will be liable, individually and together, for the full amount
of the loan, plus interest and other charges. The Borrower and the
Cosigner will be bound by any communication or disclosure we
have with either party and any modification we agree to with either
party will bind both the Borrower and the Cosigner.
B. OTHER DEFINITIONS:
“Principal” is the amount disbursed to you or on your behalf as
disclosed on the Final Disclosure plus the amount of any interest
that is Capitalized at any time during the life of the loan(s) made
under this Note.
“Capitalization” and “Capitalize” is the addition of accrued and
unpaid interest to the outstanding Principal balance of a loan made
under this Note. After we Capitalize interest, interest will accrue on
the new Principal balance, including the Capitalized interest.
“Deferment Period” is the period of a loan made under this Note
during which you may not be required to make any payments of
Principal or interest, depending upon the repayment option you
selected during the application process. If you do not select an In-
School Payment option, a Deferment Period will begin on the date
the loan proceeds are first disbursed and will end after the Grace
Period. In certain circumstances, you may be eligible to extend your
Deferment Period longer. If you have more than one loan with us,
you consent and agree that we may, but are not required to, extend
the Deferment Period for any of your loans to expire at the end
of the longest Deferment Period for any of your loans, but we are
not required to extend a Grace Period on a loan that has already
utilized its Grace Period. If you exercise the Multi-Year Option, the
Grace Period may be applied separately to the original and each
additional loan made under this Note. The Repayment Period will
begin on the day after a Deferment Period ends.
“Final Disclosure” is a Truth-in-Lending Act document that we will
provide to you as required by federal law prior to your first loan
disbursement. If you are eligible for the Multi-Year Option, and
subsequently submit an application for and are approved for
additional loan(s), you will be sent a new Final Disclosure(s) before
the first disbursement for any additional loan(s).
“Grace Period” is a period of six months after you cease to be
enrolled at a School at least half-time for undergraduate loans, or
nine months after you cease to be enrolled at a School at least half-
time for graduate loans.
“In-School Payment” is a repayment option, if offered to you and
selected by you in the application for a loan made under this Note,
by which you agree to make: 1) in the case of fixed in-school
payments, a payment of $25 per month, or 2) in the case of interest-
only payments, a payment of the interest accrued each month. For
either option, beginning approximately 30 to 60 days after loan
disbursement and continuing while in school, during your Grace
Period, and during any subsequent in-school periods. Such In-School
Payments may not cover all accrued interest or reduce the Principal,
and any unpaid interest will be Capitalized when your Repayment
Period begins.
“Multi-Year Option” is available to select qualified Borrowers,
allowing them to apply for additional loan(s) under this Note. If
eligible for the Multi-Year Option, you will be notified during your
application. To continue with the Multi-Year Option, you and the
same Cosigner (if you have one) must apply for the additional loan(s)
that will be used for the same degree, at the same School where you
are attending at least half time, as your initial loan. Certain terms
governing the additional loan(s) (including interest rate, repayment
option and right to cancel period) will be provided in the Final
Disclosure for your additional loan(s) and may be different from
the terms governing your initial loan. You are not obligated to take
additional loan(s) under this Note. We may decline your application
for additional loan(s). The Multi-Year Option will expire if you do not
apply for additional loan(s) within either 18 months after submitting
the most recent application under this Note or 5 years after your
initial application is submitted. We may, at our sole discretion,
discontinue the Multi-Year Option. If you are an eligible Borrower
whose Multi-Year Option has not expired, then we will notify you of
any discontinuance of the Multi-Year Option in advance.
“Note” is this Application and Promissory Note for a private
DSL PL 202101 - Vers-P011
Page 1 of 3
education loan. If you are eligible for and elect to apply for
additional loan(s) under the Multi-Year Option, Note also includes
every additional application made under the Multi-Year Option.
“Repayment Period” is the period of a loan made under this Note
during which you are required to make full payments of Principal and
interest. The Repayment Period will be for 180 monthly payments for
undergraduate loans or 240 monthly payments for graduate loans.
The Repayment Period may be shortened or extended as described
in Section J (INTEREST) and Section L (REPAYMENT TERMS AND
CAPITALIZATION OF INTEREST) below. If you have more than one
loan with us you may elect to extend the Repayment Period for any
of your loans to expire at the end of the longest Repayment Period
for any of your loans. We will notify you when you may make that
election. In addition, if you have more than one loan with us we may
send you a single statement with a single minimum payment amount
that will fully amortize your loans over the adjusted Repayment
Period. The length of the Repayment Period is subject to limitations
on the period of repayment under applicable law.
“School” is an eligible institution of higher education you identify
on this Application and Promissory Note, which we approve, and
which the Student attends or will attend.
C. IDENTITY AND ENROLLMENT VERIFICATION:
To help the government fight the funding of terrorism and money
laundering activities, federal laws require all financial institutions
to obtain and record information that identifies each person who
applies for a loan. When you apply for a loan, we will ask for your
name, address, date of birth, Social Security number, and other
information and documents that will allow us to identify you. If you
did not provide a Social Security number during the application
process, you agree to promptly provide us with your Social Security
number if and when it is issued to you, and to respond to any
request by us for the status of your Social Security number. It is your
obligation to inform us of any future changes to your enrollment
status including, but not limited to, when you return to school at least
half time, change schools, graduate, withdraw, or are no longer
enrolled at least half time. You are also obligated to respond to our
requests for you to confirm your enrollment status from time to time. If
you do not inform us of any future changes to your enrollment status
or if you do not respond to our requests for confirmation of your
enrollment status, you agree that we may treat the loan as beginning
or remaining in the Repayment Period. We may also independently
confirm your enrollment status.
D. CONSUMER CREDIT REPORTS:
We may request your consumer credit report from one or more
consumer credit reporting agencies to evaluate your application and
at any time before you repay your loan in full. If you ask, we will tell
you if we requested a consumer credit report and give you the name
and address of the consumer credit reporting agency that provided
it. We may report information about your loan to consumer credit
reporting agencies, such as late payments, missed payments, or
other delinquencies or defaults on your loan that may reflect in your
consumer credit report. If you believe we have reported inaccurate
information about your loan to a consumer credit reporting agency,
or if you believe you have been the victim of identity theft in
connection with a loan, write to us at Discover Student Loans, PO
Box 30947, Salt Lake City, UT 84130-0947 or another customer
service address that we provide to you on a letter or statement. In
your letter: 1) provide your name and the loan number; 2) identify
the specific information that you are disputing; 3) explain the basis
for the dispute; and 4) provide any supporting documentation that
substantiates the basis for your dispute.
E. PRIVACY:
Our Privacy Policy includes a summary of the personal information
we collect, when we may share it with others, how we safeguard
the confidentiality and security of information, and the steps you
may take to limit our sharing of such information with others. Our
personnel may listen to or record phone calls between you and
our representatives without notice to you, as permitted by law. For
example, we listen to calls for quality monitoring purposes. We may
request relevant information about you from the School, and you
authorize the School to release that information to us. You agree
that we may share personal and financial information about you to
the School in connection with this loan. You also agree that we may
share any personal and financial information about the Student with
the Cosigner and any personal and financial information about the
Cosigner with the Student.
F. OUR COMMUNICATIONS WITH YOU:
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 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, PO 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.
G. HOW YOU AGREE TO THE TERMS OF THIS LOAN(S):
With respect to each disbursement of loan proceeds, you agree
to all the terms in this Note and the Final Disclosure(s) when you
consummate the loan(s) by either: 1) signing the Application and
Promissory Note, including any applications for additional loan(s)
under this Note; or 2) using any of the proceeds or allowing
someone to use any of the proceeds on your behalf. You are not
bound to the repayment terms in this Note until the loan proceeds
are disbursed.
H. DISBURSEMENT OF LOAN PROCEEDS:
We will decide how to disburse the loan proceeds. We can disburse
loan proceeds by: 1) making one or more checks payable jointly to
you and to the School; 2) making one or more checks payable to
only the School; or 3) electronically transmitting funds to the School.
You authorize the School to apply the proceeds to your student
account at the School and to return to us as a partial prepayment
of a loan made under this Note any portion of the proceeds that
exceeds the amount necessary to pay your cost of attendance, less
other financial aid, as calculated by the School. We may cancel
disbursement in the event of your bankruptcy, your death or fraud in
connection with your application.
I. YOUR PROMISE TO PAY:
You promise to pay us the Principal loan amount (including
Capitalized interest), interest accrued on the Principal, and all other
amounts that may become due under this Note. You promise to
make each payment on or before the date that it is due. You promise
to make the payments at the place or to mail the payments to the
address that we specify. You must make payments on time even if
we do not send you a statement. On the date that the last installment
of Principal becomes due under the terms of this Note, you promise
to pay any other accrued and unpaid amounts in addition to the
scheduled installment of Principal. Your responsibility to repay
amounts due under this Note is not affected by the liability of any
other person to you. You agree to uphold your obligations in this
Note, even if you do not complete your education program. If you
are a Cosigner, your obligation to repay the loan is the same as
the Student’s.
J. INTEREST:
You agree to pay interest on the Principal loan amount from the time
we disburse the proceeds until the Principal balance is paid in full.
1) Interest Calculated Daily: We will calculate interest on a daily
basis on the outstanding Principal balance until the loan balance is
paid in full. The daily interest rate is equal to the annual interest rate
in effect on that day divided by the number of days in that calendar
year. Because we calculate interest daily, the amount of interest you
pay will vary based on the number of days between your previous
payment and your current payment.
2) Interest Rate Calculation: The fixed or variable interest rate will
be identified on the Final Disclosure(s) for your loan(s). If you are
eligible and approved under the Multi-Year Option, you will receive
a new Final Disclosure for each additional loan; the type and
amount of interest may be different for your initial and additional
loan(s). If your loan has a fixed interest rate, it will not increase
or decrease over the life of your loan unless you elected to make
interest-only payments while in school and stop making payments.
If you stop making your required interest-only payments prior to
the Repayment Period, your interest rate will go up. (See Section
L.9 for more details). If your loan has a variable interest rate, the
interest rate may change. We will calculate the variable rate during
the Deferment Period and the Repayment Period by taking the
applicable variable index as described below, rounded up to the
nearest one-eighth of one percent (0.125% or 0.00125), and by
adding a “margin” percentage (which is a fixed amount identified
on your Final Disclosure).
3) Variable Index: The applicable variable index is currently the
3-month London Interbank Offered Rate (LIBOR) Index, which
is variable and may change quarterly on each January 1, April
1, July 1, and October 1 (the “interest rate change date”). The
current variable rate is based on the variable 3-month LIBOR Index
rate of interest published in the Money Rates section of The Wall
Street Journal fifteen (15) days prior to the interest rate change
date. In the event that more than one 3-month LIBOR Index rate
is published, the rate will be the highest rate published. If the
3-month LIBOR is temporarily unavailable and not published fifteen
days prior to the interest rate change date, then we will use the
immediately preceding published 3-month LIBOR Index rate. If The
Wall Street Journal is no longer published or stops publishing the
3-month LIBOR Index, we will choose another comparable source
that publishes the 3-month LIBOR rate. If we determine, in our sole
opinion, the 3-month LIBOR Index is no longer appropriate due
to reduced availability or reliability, regardless of whether it is
published, we will select a different index that is comparable to the
3-Month LIBOR to be the variable index and may adjust the margin
so that, on the date of substitution, the resulting variable interest
rate is consistent with the former variable interest rate described in
this paragraph. Thereafter, the variable rate will change based on
the variable index using the adjusted margin. The variable index,
whether LIBOR or a comparable index, is a pricing index and does
not represent the lowest or best interest rate available to you at any
bank at any given time. If at any time the fixed or variable interest
rate as provided in this section is not permitted by applicable
law, interest will accrue at the highest rate allowed by applicable
law. The interest rate will never be higher than the maximum rate
disclosed in your Final Disclosure(s).
4) Interest Rate Changes: If your loan has a variable interest rate,
we will notify you of any changes in the interest rate as required
by law. A change in the interest rate may cause the amount of the
final payment to change, may cause the amount of the monthly
payments to increase or decrease, or may cause the number of
payments to change.
5) Interest after Maturity and Judgment: Unless prohibited by
applicable law, interest calculated as described in this Note will
continue to accrue on the unpaid balance until it is paid in full,
even after maturity (whether by acceleration or otherwise) and/or
judgment, if a judgment is entered against you for the amount due.
K. MILITARY LENDING ACT:
1) Statement of the Military Annual Percentage Rate (MAPR):
Federal law provides important protections to members of the Armed
Forces and their dependents relating to extensions of consumer
credit, including installment loans. 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: (a)
the costs associated with credit insurance premiums; (b) fees for
ancillary products sold in connection with the credit transaction; (c)
any application fee charged (other than certain application fees for
specified credit transactions or accounts); and (d) 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 or if
you are calling from outside the US at +1-801-451-3730.
2) Oral Disclosures: If you are a member of the Armed Forces or
a dependent of such a member covered by the federal Military
Lending Act, before agreeing to this Note, to hear important
disclosures about the MAPR, your payment obligations, or for
more information about whether this applies to you, please contact
us at 1-844-DFS-4MIL or if you are calling from outside the US at
+1-801-451-3730.
L. REPAYMENT TERMS AND CAPITALIZATION OF INTEREST:
1) Deferment Period: Interest will accrue but you are not required
to make payments during a Deferment Period, unless you elected to
make In-School Payments. If you fail to provide adequate verification
of enrollment status, your Grace Period will begin, if any Grace
Period remains, followed by your Repayment Period. We will
Capitalize any and all accrued and unpaid interest at the beginning
of the Repayment Period.
2) Repayment Period: You are required to make payments during
the Repayment Period in consecutive, monthly installments until
you pay the Principal, interest, and all other charges owed under
this Note.
3) Payment Due Dates: Payments will be due monthly on the same
day of each month as determined by us. The first payment will be
due approximately 23 days, but not more than 60 days, after the
start of the Repayment Period or after the first disbursement if you
elected to make In-School Payments.
4) Calculation of Initial Payment Amount and Minimum Payment
Amount: At the start of the Repayment Period, we will calculate
the payment amount necessary to amortize your outstanding loan
balance, including Capitalized interest, at the current interest rate
in equal installments over the number of months in the Repayment
Period. You agree to pay at least $50 per month across all of your
loans serviced by us during the Repayment Period, unless otherwise
required by law or your entire balance for all of your loans is less
than $50.
5) Changes in Payment Amount: We may re-amortize your loan at
any time to ensure the new outstanding loan balance at the then-
DSL PL 202101 - Vers-P011
Page 2 of 3
current interest rate will be paid in equal monthly installments by the
end of the Repayment Period. This may cause scheduled monthly
payments to increase or decrease. We will inform you in advance of
any change in the scheduled monthly payment.
6) Application of Payments: Payments will be applied first to
accrued interest and then to Principal. Under some circumstances,
such as with In-School Payments, the payment amount may not
cover the interest that accrues. In those cases, we will Capitalize the
unpaid interest and add it to the Principal balance of the loan at the
end of a Deferment Period. In the event of default, any payments you
make thereafter may be applied by us differently unless and until you
bring the loan current.
7) Repayment Assistance Options: If you are unable to repay
your loan according to the terms of this Note, we may offer
certain repayment assistance options such as forbearance or
other programs. Interest will continue to accrue during repayment
programs. Any and all accrued and unpaid interest will be
Capitalized and added to the Principal balance of your loan at the
end of the repayment program period.
8) Amounts Owing at the End of the Repayment Period: Because
interest accrues daily on the outstanding Principal loan balance, you
may owe Principal, interest, and/or other charges at the end of
the Repayment Period if the interest rate changes or if you make
payments after the payment due dates. In these cases, we will
increase the amount of the last monthly payment by the amount
necessary to repay the loan in full. However, the amount of the final
payment will not be more than twice the amount of the previous
payment. If necessary, we will increase the number of payments.
9) In-School Payments: If you agreed to make payments while in
school, and you fail to make timely In-School Payments, your loan
will be placed in a suspension period of up to 6 months, which will
increase the amount you pay over the life of the loan. If you agreed
to make interest-only payments while in school and do not make
timely payments, your required loan payments will be suspended for
up to six months at a time.
The suspension of your required loan payments while in school and/
or during your Grace Period and prior to the Repayment Period will
result in the loss of the interest-only discount during the suspension
period. Payment suspensions that occur during in-school periods that
follow entry into the Repayment Period will not result in the loss of
the interest rate discount.
The suspension of the interest-only discount will result in an increase
to the amount you pay over the life of the loan. When the suspension
ends you will again be required to make monthly payments on your
loan and the discount will be re-applied if you do so.
You must pay off unpaid accrued interest on your loan before
entering the Repayment Period to receive the interest-only discount
during the Repayment Period. If your unpaid accrued interest at the
start of the Repayment Period exceeds 60 days of accrued interest,
you will not receive the interest rate discount during the Repayment
Period. Sixty days of accrued interest will be calculated based on
your original loan amount and interest rate (which includes any
interest-only discount), as reflected on your Final Disclosure.
10) United States Bank Account: Payments must be made from an
account of a bank domiciled in the United States. Sending cash
payments is not allowed. Cash is easily lost or stolen. If you send
cash, we may refuse to accept it.
M. YOUR RIGHT TO CANCEL:
Under the Truth-in-Lending Act, the Student has the right to cancel
a loan prior to the first disbursement by giving notice to us as
described on the Final Disclosure. The Cosigner does not have the
right to cancel, except as provided in the next section.
N. ADDITIONAL RIGHT TO CANCEL:
In addition to the Student’s right to cancel under the Truth-in-Lending
Act, if, within 120 days after first disbursement date, all future loan
disbursements are cancelled and all previously disbursed loan
proceeds are returned to us, we will waive any and all interest
charges from the date of first disbursement on your loan. If you are
eligible and approved for additional loan(s) under the Multi-Year
Option, an Additional Right to Cancel Period will apply to each
additional loan separately. If a loan or an individual disbursement is
cancelled, you will have to reapply to obtain a new loan.
O. PREPAYMENT:
You may prepay, in full or in part, the amount owed on your loan(s)
at any time without penalty. If you prepay the loan(s) in part, you
agree to continue to make regularly scheduled payments until all
amounts due under this Note are paid. If you have more than one
loan outstanding, you may direct the amount of your prepayment to
one or more particular loans. If you do not specify how to apply your
prepayment, we will apply it to your loans according to our own
internal policy in effect at the time.
P. NO RETURNED PAYMENT CHARGES:
We will not assess any returned payment charges under this Note,
but the bank from which you make payments might assess you a
returned payment fee pursuant to your agreement with your bank.
Q. NO LATE PAYMENT CHARGES:
We will not assess any late payment charges under this Note.
R. DEFAULT – WHOLE LOAN DUE:
If you are in default on a loan made under this Note, the entire
outstanding balance on the loan will be due immediately at our
option, except as prohibited by law. This will happen without any
prior notice to you or right to cure, except where required by law. If
you are in default and we file suit or take other action to collect this
loan, you agree to pay the costs of the suit and the costs of collection
(including the costs of outside collection agencies) and reasonable
attorneys’ fees. Your agreement to pay these costs and fees is subject
to the Servicemembers Civil Relief Act and other applicable laws.
You will be in default for any of the following reasons:
1) if you do not make required payments by the end of the
calendar month in which it becomes 120 days past due, during the
Repayment Period;
2) if you have made any material untrue statement or
misrepresentation in an application or any other certificate or
document given or made for a loan(s);
3) if we receive notice that you and your Cosigner (if you have
one) have filed for bankruptcy and applicable law or regulatory
guidance requires that we deem you in default upon 60 days
following receipt of such bankruptcy notice.
The Student will not be in default in the event of the death of the
Cosigner (if you have one).
S. DEATH AND DISABILITY — LOAN CANCELLATION:
In the event of the Student’s death, any loans evidenced by this
Note will be cancelled. The Student has the option to designate an
individual to have the legal authority to act on the Student’s behalf
with respect to loans made under this Note in the event of the death
of the Student.
In the event of the Student’s total and permanent disability (as
reasonably determined by us), any loans evidenced by this Note
may be eligible for cancellation in our sole discretion. Loan
cancellation may have income tax consequences.
T. GENERAL WAIVER PROVISIONS:
You have waived presentment for payment, demand, protest, notice
of protest, dishonor, and all other notices or demands in connection
with the delivery, acceptance, performance, default, or enforcement
of this Note. We can accept late payments, partial payments, or
checks and money orders marked “payment in full” or with any
other restrictive endorsement without losing any of our rights under
this Note.
U. ASSIGNMENT:
You may not assign or otherwise transfer your rights under this
Note to anyone else. We may sell, transfer, or assign this Note,
without notice to you, unless required by law, and your rights and
obligations under this Note will continue unchanged.
V. DELAY IN ENFORCEMENT:
We can delay enforcing any rights under this Note without losing
any rights. Our failure to enforce any right under this Note will
not act as a waiver of that right or preclude the exercise of that
right in the event of a future occurrence of the same event. We can
also extend or defer the time allowed for making payments at your
request, and such extension will not affect your obligations, whether
or not you are given notice of the extension.
W. NOTICES AND ADDRESSES:
1) Government guidelines require us to maintain current information
about you. You agree to notify us promptly after any change in
your name, address, or other contact information. We also may
periodically request that you update or confirm your information,
and you agree to do so promptly.
2) Any notice or communication with us required or permitted under
the Federal Bankruptcy Code must be in writing, must include your
loan account number, and must be sent to Discover Student Loans,
PO Box 30947, Salt Lake City, UT 84130-0947 or another customer
service address that we provide to you on a letter or statement.
3) You will send any other type of notice to the address that we have
most recently provided to you for that purpose.
4) Except as otherwise provided by applicable law, any notice that
we are required to give you will be effective when mailed by USPS
First-Class Mail to your address in our records.
X. ARBITRATION OF DISPUTES:
1) Agreement to Arbitrate. In the event of a dispute between you
and us arising out of or relating to this Loan Agreement or the
relationships resulting from this Loan Agreement or for any other
dispute between you or us, including for example, a dispute based
on a federal or state statute or local ordinance (“Claim”), either
you or we may choose to resolve the Claim by binding arbitration,
as described below, instead of in court. Any Claim (except for a
Claim challenging the validity or enforceability of this arbitration
agreement, including the Class Action Waiver) may be resolved by
binding arbitration if either side requests it. THIS MEANS IF EITHER
YOU OR WE CHOOSE ARBITRATION, NEITHER PARTY WILL HAVE
THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A
JURY TRIAL. ALSO DISCOVERY AND APPEAL RIGHTS ARE LIMITED
IN ARBITRATION.
Even if all parties have opted to litigate a Claim in court, you or
we may elect arbitration with respect to any Claim made by a new
party or any new Claims later asserted in that lawsuit.
This arbitration agreement does not apply if, on the date you submit
your Application or on the date we seek to invoke this arbitration
agreement, you are a member of the Armed Forces or a dependent
of such a member covered by the federal Military Lending Act. If
you would like more information about whether you are covered
by the Military Lending Act, please contact us at 1-844-DFS-4MIL
(1-844-337-4645) or if you are calling from outside the U.S. at
+1-801-451-3730.
CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN
INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE
MAY JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR
AGAINST OTHER BORROWERS, OR LITIGATE IN COURT, OR
ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF
A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.
The arbitrator may award injunctive relief only in favor of the
individual party seeking relief and only to the extent necessary
to provide relief warranted by that party’s individual Claim. The
arbitrator may not award class, representative or public injunctive
relief. If a court decides that applicable law precludes enforcement
of any of this paragraph’s limitations as to a particular Claim
for relief, then after all appeals from that decision have been
exhausted, that Claim (and only that Claim) must be severed from
the arbitration and may be brought in court. Only a court, and not
an arbitrator, shall determine the validity, scope, and effect of the
Class Action Waiver.
2) Your Right to Go to Small Claims Court. We will not choose
to arbitrate any individual Claim you bring in small claims court
or your state’s equivalent court. However, if such a Claim is
transferred, removed, or appealed to a different court, we may
then choose to arbitrate.
3) Governing Law and Rules. This arbitration agreement is
governed by the Federal Arbitration Act (“FAA”). Arbitration must
proceed only with the American Arbitration Association (“AAA”).
The rules for the arbitration will be those in this arbitration
agreement and the procedures of the AAA, but the rules in this
arbitration agreement will be followed if there is disagreement
between the agreement and the AAA’s procedures. If the AAA’s
procedures change after the Claim is filed, the procedures in effect
when the Claim is filed will apply.
For a copy of the AAA’s procedures, to file a Claim, or for other
information, please contact the AAA at 1101 Laurel Oak Road,
Voorhees, NH 08043, www.adr.org, phone: 1-877-495-4185.
If the AAA is completely unavailable, and if you and we cannot
agree on a substitute, then either you or we may request that a court
with jurisdiction appoint a substitute.
4) Fees and Costs. If you wish to begin arbitration against us but
you cannot afford to pay the AAA’s or arbitrator’s costs, we will
advance those costs if you ask us in writing. Any request like this
should be sent to Discover Student Loans, PO Box 30421, Salt Lake
City, UT 84130-0421. If you lose the arbitration, the arbitrator will
decide whether you must reimburse us for money we advanced for
you for the arbitration. If you win the arbitration, we will not ask
for reimbursement of money we advanced. Additionally, if you win
the arbitration, the arbitrator may decide that you are entitled to be
reimbursed your reasonable attorneys’ fees and costs (if actually
paid by you).
5) Hearings and Decisions. Arbitration hearings will take place in
the federal judicial district where you live. A single arbitrator will be
appointed. The arbitrator must:
• Follow all applicable substantive law, except when contradicted
by the FAA
• Follow applicable statutes of limitations
• Honor valid claims of privilege
• Issue a written decision including the reasons for the award
The arbitrator’s decision will be final and binding except for any
review allowed by the FAA. However, if more than $100,000 was
genuinely in dispute, then either you or we may choose to appeal to
a new panel of three arbitrators. The appellate panel is completely
free to accept or reject the entire original award or any part of it. The
appeal must be filed with the AAA not later than 30 days after the
original award issues. The appealing party pays all appellate costs
unless the appellate panel determines otherwise as part of its award.
Any arbitration award may be enforced (such as through a
judgment) in any court with jurisdiction.
6) Other Beneficiaries of this Arbitration Agreement. In addition
to you and us, the rights and duties described in this arbitration
agreement apply to: our Affiliates and our and their officers,
directors, and employees and any third party co-defendant of a
Claim subject to this arbitration agreement.
DSL PL 202101 - Vers-P011
Page 3 of 3
7) Survival of this Arbitration Agreement. This arbitration agreement
shall survive:
• Termination of your Loan
• Voluntary payment of your Loan in full or in part
• Any legal proceedings to collect money you owe
• Any bankruptcy by you
• Any sale by us of your Loan
8) You Have the Right to Reject Arbitration for this Loan. You may
reject the arbitration agreement but only if we receive from you
a written notice of rejection within 30 days after consummation
of your Loan. You must send the notice of rejection to: Discover
Student Loans, PO Box 30938, Salt Lake City, UT 84130-0938. Your
rejection notice must include your name, address, phone number,
Loan number, and personal signature. No one else may sign the
rejection notice for you. Your rejection notice must not be sent with
any other correspondence. Rejection of arbitration will not affect
your other rights or responsibilities under this Loan Agreement. If you
reject arbitration, neither you nor we will be subject to the arbitration
agreement for this Loan. Rejection of arbitration for this Loan will
not constitute rejection of any prior or future arbitration agreement
between you and us.
Y. GOVERNING LAW:
This Note and any Claim or dispute arising out of this Note will be
governed by applicable United States federal law and, to the extent
state law applies, Delaware law, without regard to its conflict of law
rules. All other laws, including the privacy and other laws of other
countries and international bodies, are inapplicable.
Z. STATE LAW NOTICES:
1) California Residents: A married applicant may apply for a
separate loan. A negative credit report reflecting on your credit may
be submitted to a credit reporting agency if you fail to fulfill the terms
of this Note.
2) Indiana and Maine Residents: The provisions of this Note
regarding the payment of collection agency costs and court costs do
not apply to Indiana or Maine residents.
3) Iowa and Kansas Residents: NOTICE TO CONSUMER: a) Do
not sign this agreement before you read it; b) You are entitled to a
copy of this agreement; c) You may prepay the unpaid balance at
any time without penalty and may be entitled to receive a refund of
unearned finance charges in accordance with law.
4) Maryland Residents: We elect Subtitle 10, Credit Grantor Closed-
End Credit Provision to Title 12 of the Commercial Law Article of the
Annotated Code of Maryland, to govern this Note, only to the extent
not inconsistent with 12 U.S.C. § 1831d and related regulations
and opinions.
5) Missouri Residents: Oral agreements or commitments
to loan money, extend credit, or to forbear from
enforcing repayment of a debt, including promises
to extend or renew such debts, are not enforceable.
To protect you (borrower(s)) and us (creditor) from
misunderstanding or disappointment, any agreements
we reach covering such matters are contained in this
writing, which is the complete and exclusive statement
of the agreement between us, except as we may later
modify it in writing.
6) New Hampshire Residents: If we refer this Note to an attorney
for collection, you agree to pay our reasonable attorneys’ fees.
However, if you prevail in a) any action, suit, or proceeding we
bring, or b) an action brought by you in connection with this Note,
or if you successfully assert a partial defense or setoff, recoupment,
or counterclaim to an action brought by us, the court may withhold
from us the entire amount or such portion of the attorneys’ fees as the
court considers equitable.
7) New Jersey Residents: This Note applies to residents of multiple
states, and certain provisions may be void, unenforceable or
inapplicable to residents in states other than New Jersey. None of
these provisions are void, unenforceable or inapplicable to New
Jersey residents, except that, if you reside in New Jersey, any
collection fees imposed upon default are limited to 20% of the
principal balance and interest outstanding. Please let us know how
you would like us to apply a payment that is in excess of the monthly
amount due on your Loan(s).
8) New York, Rhode Island, and Vermont Residents: A consumer
credit report may be ordered on you in connection with your
application for credit. If you ask, we will tell you whether or not
one was ordered and if one was, the name and address of the
consumer credit reporting agency that provided it. Subsequent
consumer credit reports may be requested or used in connection
with an update, renewal, or extension of the credit applied for
without further notice to you.
9) Ohio Residents: The Ohio laws against discrimination require
that all creditors make credit equally available to all credit-worthy
customers and that consumer credit reporting agencies maintain
separate credit histories on each individual upon request. The Ohio
Civil Rights Commission administers compliance with this law.
10) Texas Residents: You give up (waive) your common law rights
to receive notice of intent to accelerate and notice of acceleration.
This means that you give up the right to receive notice that we intend
to demand that you pay all that you owe on this contract at once
(accelerate) and notice that we have accelerated. This written loan
agreement represents the final agreement between the parties and
may not be contradicted by evidence of prior, contemporaneous, or
subsequent oral agreements of the parties. There are no unwritten
oral agreements between the parties.
11) West Virginia Residents: Any provision in this Note authorizing
the holder of this Note to collect attorneys’ fees in the event of a
default are void if the party being sued for collection is a resident of
the State of West Virginia.
12) Wisconsin Residents: If you are a married Wisconsin resident,
your signature confirms that this loan obligation is being incurred
in the interest of your marriage or family. No provision of any
marital property agreement (e.g., premarital agreement), unilateral
statement under §766.59 of the Wisconsin Statutes, or court decree
under §766.70 of the Wisconsin Statutes adversely affects our
interest unless we, prior to the time that the loan is approved, are
furnished with a copy of the marital property agreement, a statement,
or a decree or have actual knowledge of the adverse provision. If
the loan for which you are applying is granted, you will notify us if
you have a spouse who needs to receive notification that credit has
been extended to you. Notwithstanding provisions to the contrary
in Section R (DEFAULT – WHOLE LOAN DUE) of this Note, you will
be in default hereunder only: a) if the interval between scheduled
payments is 2 months or less, and you permit to be outstanding an
amount exceeding 1 full payment that has remained unpaid for more
than 10 days after its scheduled due date or deferred due date, or
you fail to pay the first payment or the last payment within 40 days
of its scheduled due date or deferred due date; or b) if the interval
between scheduled payments is more than 2 months, and you permit
to be outstanding all or any part of 1 scheduled payment that has
remained unpaid for more than 60 days after its scheduled due date
or deferred due date. You will also be in default if you fail to observe
any other provision of this Note, the breach of which materially
impairs your ability to pay the amounts due under this Note.
13) Utah Residents: As required by Utah law, you are hereby
notified that a negative consumer credit report reflecting on your
credit record may be submitted to a consumer credit reporting
agency if you fail to fulfill the terms of your credit obligations.
AA. CORRECTION OF ERRORS:
All parties to this Note agree to fully cooperate and adjust all
typographical, computer, calculation, or clerical errors discovered
in any or all of the loan documents, including this Note and the
Final Disclosure.
BB. EFFECT OF PARTIAL INVALIDITY:
If any provisions of this Note are rendered invalid or unenforceable,
those provisions shall be considered omitted from this Note without
affecting the validity or enforceability of the remaining provisions
of this Note.
CC. OTHER IMPORTANT TERMS:
1) Signatures: This Note will be effective and enforceable when
you affix your signature to the Application and Promissory Note
(or the Cosigner Addendum, as the case may be) and deliver it to
us. A facsimile, electronic, or scanned copy of your signature that
you deliver to us by any means acceptable to us will be deemed
an original. If you submit your Application electronically, clicking
“E-sign Now” or its equivalent (such as “I accept” or “I approve”)
will be deemed your original signature and delivery to us.
2) Rewards and Other Options: From time to time we may offer
rewards and benefits for which you may become eligible as a
Borrower. In the event you are eligible and are accepted by us to
participate in any such program, you agree to abide by applicable
terms and conditions as may be published by us, including any
amendments to those terms and conditions.
3) Non-negotiable: This is a non-negotiable consumer credit
agreement.
Certification: In addition to any certification you make in the
application, you certify that all of the loan proceeds evidenced by
this Note will be used solely to pay for Qualified Higher Education
Expenses. Qualified Higher Education Expenses are the costs of
attending an eligible education institution, including graduate
school, on at least a half-time basis. Generally, these costs include
tuition and certain related expenses. See Internal Revenue Service
(IRS) Publication 970 and related guidance for more information.
The IRS does not require your consent to any provision of the
Application and Promissory Note other than this certification.
Signing the Application and Promissory Note will be your consent
for IRS purposes.
 WHAT DOES DISCOVER BANK
FACTS DO WITH YOUR PERSONAL INFORMATION? Rev. 9/20

Why? Financial companies choose how they share your personal information. Federal law gives consumers
the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share,
and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us.
This information can include:
■ Social Security number and income
■ account balances and payment history
■ transaction history and credit history

How? All financial companies need to share customers’ personal information to run their everyday business. In
the section below, we list the reasons financial companies can share their customers’ personal information;
the reasons Discover Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Discover Can you limit this
Bank share? sharing?

For our everyday business purposes—

such as to process your transactions, maintain your account(s), respond Yes No
to court orders and legal investigations, or report to credit bureaus
For our marketing purposes—
Yes No
to offer our products and services to you
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes—
Yes No
information about your transactions and experiences
For our affiliates’ everyday business purposes—
Yes Yes
information about your creditworthiness
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes

To limit ■ Call 1-800-STUDENT (1-800-788-3368) — our menu will prompt you through your choices
our sharing Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we
sent this notice. When you are no longer our customer, we continue to share your information as
described in this notice.
However, you can contact us at any time to limit our sharing.

Questions? Call 1-800-STUDENT (1-800-788-3368).

©2020 Discover Bank, Member FDIC

 Page 2
Who we are
Who is providing this notice? This privacy policy is being provided by Discover Bank and applies to all of
your student loans that are originated or serviced by Discover.

What we do
How does Discover Bank protect To protect your personal information from unauthorized access and use, we
my personal information? use security measures that comply with federal law. These measures include
computer safeguards and secured files and buildings.

How does Discover Bank collect
my personal information?
We collect your personal information, for example, when you
■ open an account or apply for a loan
■ give us your contact information or pay your bills
■ provide employment information
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.

Why can’t I limit all sharing?
Federal law gives you the right to limit only
■ s haring for affiliates’ everyday business purposes—information about
your creditworthiness
■ affiliates from using your information to market to you
■ sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law.

What happens when I limit sharing for an Your choices will apply to you individually. Borrower and cosigners (if any)
account I hold jointly with someone else? can limit sharing independently of each other, or on behalf of each other.

Definitions
Affiliates Companies related by common ownership or control. They can be financial
and nonfinancial companies.
■ o
 ur affiliates include companies with a Discover or DFS name and
financial companies such as Diners Club International Ltd.; PULSE
Network LLC; The Student Loan Corporation; and GTC Insurance
Agency, Inc.

Nonaffiliates Companies not related by common ownership or control. They can be

financial and nonfinancial companies.
■ nonaffiliates we share with can include service providers

Joint marketing A formal agreement between nonaffiliated financial companies that

together market financial products or services to you.
■ o
 ur joint marketing partners can include institutions such as
insurance companies

Other important information

Vermont Residents—We will not disclose information about your creditworthiness to our affiliates and will not disclose your
personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you,
other than as permitted by Vermont law, unless you authorize us to make those disclosures. Find additional information about
our privacy policies at www.discover.com/privacy-statement or by calling 1-800-STUDENT.
California Residents—Except as permitted by law, we will not share information we collect about you with nonaffiliates or joint
marketing partners while you are a resident of California.
Nevada Residents—You may call 1-800-STUDENT to be placed on our Do Not Call List. For more information, mail Discover
Student Loans, P.O. Box 30948, Salt Lake City, UT 84130, or visit DiscoverStudentLoans.com. You may also contact the Bureau
of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101,
call 1-702-486-3132, or email BCPINFO@ag.state.nv.us. This notice is provided pursuant to state law.

SL.PRV.LIN.0920
©2020 Discover Bank, Member FDIC