Consumer Report & Identity Verification Disclosure

We may report information about our experiences regarding your use of your account(s) to consumer
reporting agencies. Unresolved overdrafts and other defaults on or misuse of your account(s) may be
reflected in your report.

If you believe the information reported is inaccurate or incomplete, or that you have been a victim of
identity theft, please send us supporting documentation by mail to Discover Bank, P.O. Box 30416, Salt
Lake City, UT 84130 or by fax to 1-224-813-5189.

We may obtain information about you from third parties:

To determine if we will open an account. As a part of the account opening process, you agree
that we may obtain information about you from third parties, such as a consumer reporting
agency, that will help us to determine if we will open the account(s) you have requested.
To verify your identity. You are also providing ‘written instructions’ to Discover Bank under the
Fair Credit Reporting Act authorizing Discover Bank to obtain information from your personal
credit profile. You authorize Discover to obtain such information solely to confirm your identity.
You authorize your wireless operator to disclose your mobile number, name, address, email,
network status, customer type, customer role, billing type, mobile device identifiers (IMSI and
IMEI) and other subscriber and device details, if available, to Discover Bank and service
providers for the duration of the business relationship, solely for identity verification and fraud
avoidance. See our Privacy Policy for how we treat your data.