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Discover itfor Students Application

Thank you for considering a DiscoverCard.

Unfortunately, we are unable to approve your application at this time.

Application Number 153242119550300

ADA100025

Dear KARTHIK KALYANI VIJAYA KUMAR,Thank you for your recent Discover Student card application. Unfortunately, we are unable to approve your request at this time for the followingreason(s):

APPLICATION IS CURRENTLY BEING PROCESSED

If you have any questions, knowledgeable Credit Analysts are available to assist you, Monday through Friday, 8am to Midnight ET, by calling 1-877-330-4223. For helpful financial tips and information on managing your credit, visit Discover.com and search "Credit Management."

Thank you for your interest in Discover.New Accounts TeamOur credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have aright under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reportingagency played no part in our decision and is unable to supply specific reasons why we have denied credit to you.

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. Inaddition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matterwith the reporting agency.

For a free copy of your credit bureau report, contact:None UsedIf you have any questions regarding this letter, you should contact Discover Bank, issuer of the Discover Card, at P.O. Box 15410, Wilmington,DE 19850-5410.FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminatingagainst credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacityto enter into a binding contract) because all or part of the applicant's income derives from any public assistance program or because the applicanthas in good faith exercised any right under the Consumer Credit Protection Act. The federal agency which administers compliance with this lawconcerning Discover Bank, the issuer of the Discover Card, is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington DC20006.

Add discover@service.discover.com to your address book to ensure delivery of these e-mails. See ways to help identify Discover e-mails by visiting our email

security page.

IMPORTANT INFORMATION

Please do not reply to this email as we are not able to respond to messages sent to this address.

DISCOVER and other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners.

Discover Products Inc., PO BOX 15410, Wilmington, DE 19850-5410

Discover Bank, Member FDIC

ADA-100025

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