DISCOVER FINANCIAL SERVICES
PO BOX 30943
WEST VALLEY CITY, UT 84130-0943

NOVEMBER 6, 2001

[Fisher's name and address]

Account Number: [Fisher's account number]

Dear [Fisher's name]:

this letter is in response to your inquiry regarding the information we are reporting to the credit bureau.

Discover(R) has a contractual commitment to report accurate payment history on each account. The credit bureaus have an established process which requires you to contact the agency reporting the information directly. If, upon receiving a copy of your credit report, you disagree with any reported information, the agency will investigate on your behalf.

For your convenience we have listed the three major reporting agencies below:

Equifax P.O. Box 105872 Atlanta, GA 30348 1-800-685-1111

Experian (TRW) P.O. Box 2002 Allen, TX 75013 1-888-397-3742

Trans Union Corp P.O. Box 390 Springfield, PA 19064 1-800-888-4213

Visit Discovercard.com today! Register at the Discover(R) Card Account Center to view your statement summary online, pay your Discover Card bill, and take advantage of special savings by shopping through our Internst ShopCenter(SM).

If you have any further questions please feet free to contact us at 1-800-DISCOVER (1-800-347-2683).

Sincerely,

Cardmember Service

Discovercard.com
Discover^® Card, Issued by Discover Bank, Member FDIC