EXHIBIT 31
CERTIFICATIONS
I, Michael F. Rickert, certify that:
| 1. | I have reviewed this annual report on Form 10-K, and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by this annual report, of Discover Card Master Trust I; |
| 2. | Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report; |
| 3. | Based on my knowledge, the distribution and servicing information required to be provided to the trustee by the servicer under the pooling and servicing agreement is included in these reports; |
| 4. | I am responsible for reviewing the activities performed by the servicer under the pooling and servicing agreement and based upon the review required under the pooling and servicing agreement, and except as disclosed in the report, the servicer has fulfilled its obligations under the servicing agreement; and |
| 5. | I have disclosed to the registrant’s certified public accountants all significant deficiencies relating to the servicer’s compliance with the minimum servicing standards in accordance with a review conducted in compliance with the Uniform Single Attestation Program for Mortgage Bankers or similar standard as set forth in the pooling and servicing agreement. |
| Dated: February 25, 2004 | By: | /s/ Michael F. Rickert | ||
| Michael F. Rickert, Vice President, Chief Accounting Officer and Treasurer of Discover Bank, Master Servicer and Servicer of Discover Card Master Trust I |
