Discover Financial Services Watch

from 10-Q 5 pages The Borrowers, the Lenders and the Administrative Agent Are Parties to a Credit Agreement Dated as of June 6, 2007 (As Amended by Amendment No. 1 Dated as of February 29, 2008 and Amendment No. 2 Dated as of March 11, 2009 and as Modified and Supplemented and in Effect From Time to Time, the “Credit Agreement”), Providing, Subject to the Terms and Conditions Thereof, for Extensions of Credit to Be Made by or on Behalf of Said Lenders to the Borrowers in an Aggregate Principal Amount Not to Exceed $2,500,000,000. the Borrowers, the Lenders and the Administrative Agent Wish to Amend the Credit Agreement in Certain Respects And, Accordingly, the Parties Hereto Hereby Agree as Follows: Section 1. Definitions. Except as Otherwise Defined in This Amendment No. 3, Terms Defined in the Credit Agreement (As Amended Hereby) Are Used Herein as Defined Therein. Section 2. Amendments. Effective as of the Date Hereof as Provided in Section 4 of This Amendment No. 3, the Credit Agreement Is Hereby Amended as Follows: 2.01. References in the Credit Agreement to “This Agreement” (And Indirect References Such as “Hereunder”, “Hereby”, “Herein” and “Hereof”) Shall Be Deemed to Be References to the Credit Agreement as Amended Hereby. 2.02. Indebtedness. (A) Section 6.01 of the Credit Agreement Is Hereby Amended by Deleting the Word “And” at the End of Clause (I) Thereof. (B) Section 6.01 of the Credit Agreement Is Hereby Amended by Deleting the Existing Clause (J) and Adding a New Clause (J) to Read in Its Entirety as Follows: “(J) Indebtedness Secured by Liens Permitted Pursuant to Section 6.02(k); And”

from 10-Q 18 pages Amendment No. 2 to the Credit Agreement

from 10-Q 7 pages The Borrowers, the Lenders and the Administrative Agent Are Parties to a Credit Agreement Dated as of June 6, 2007 (The “Credit Agreement”), Providing, Subject to the Terms and Conditions Thereof, for Extensions of Credit to Be Made by or on Behalf of Said Lenders to the Borrowers in an Aggregate Principal Amount Not to Exceed $2,500,000,000. the Borrowers, the Lenders and the Administrative Agent Wish to Amend the Credit Agreement in Certain Respects And, Accordingly, the Parties Hereto Hereby Agree as Follows: Section 1. Definitions. Except as Otherwise Defined in This Amendment No. 1, Terms Defined in the Credit Agreement Are Used Herein as Defined Therein. Section 2. Amendments. Effective as of the Date Hereof as Provided in Section 4 of This Amendment No. 1, the Credit Agreement Is Hereby Amended as Follows: 2.01. References in the Credit Agreement to “This Agreement” (And Indirect References Such as “Hereunder”, “Hereby”, “Herein” and “Hereof”) Shall Be Deemed to Be References to the Credit Agreement as Amended Hereby. 2.02. Financial Statements; Ratings Change and Other Information. (A) Section 5.01(b) of the Credit Agreement Is Hereby Amended and Restated in Its Entirety as Follows

from 8-K 117 pages Credit Agreement Dated as of June 6, 2007 Among Discover Financial Services, Discover Bank, the Subsidiary Borrowers From Time to Time Party Hereto, the Lenders Party Hereto and Jpmorgan Chase Bank, N.A. as Administrative Agent $2,500,000,000 J.P. Morgan Securities Inc. and Banc of America Securities LLC as Joint Lead Arrangers and Joint Bookrunners Bank of America, N.A. as Syndication Agent Citibank, N.A., Royal Bank of Canada and the Royal Bank of Scotland PLC as Documentation Agents