DISCOVER^®
FINANCIAL SERVICES
November 19, 2002

[Fisher's name and address]

Dear [Fisher]:

Thank you for your most recent response to my letter to you, dated October 21, 2002.

Per our conversation, I have confirmed that you contacted our Corporate Office on January 23, 2001, in regards to the credit line on your Discover® Platinum Card account. You gave your verbal permission for the representative to view your credit bureau report in an effort to determine that the credit line on your account was reporting accurately. This type of inquiry would show under the Regular Inquiry Section of your credit bureau report, and would therefore be viewable by credit grantors. As this is a valid inquiry, we are unable to request its removal from the credit bureau.

If you have any questions or concerns, please feel free to contact me directly at (302) 328-3300 ext. 2571, Monday through Thursday, 10:30 a.m. to 9:00 p.m., EST.

Sincerely,

[signature]

Ivy Spence
Executive Inquiry Specialist
Cardmember Services

enclosures: Discover Card Cardmember Agreement and Application

Discover Financial Services, Inc.
P.O. Box 17019 Wilmington, DE 19850-7019
A Morgan Stanley Company