Exhibit (f)
MONTHLY CERTIFICATEHOLDERS' STATEMENT
DISCOVER CARD MASTER TRUST I
Series 2000-A Monthly Statement
Distribution Date: August 15, 2005 Month Ending: July 31, 2005
Pursuant to the Series Supplement dated as of May 22, 2000,
as amended, relating to the Amended and Restated Pooling
and Servicing Agreement dated as of November 3, 2004 by
and between Discover Bank and U.S. Bank National Association,
as Trustee, the Trustee is required to prepare certain
information each month regarding current distributions to
investors and the performance of the Trust. We have set
forth below this information for the Distribution Date listed
above, as well as for the calendar month ended on the date
listed above. Series 2000-A Certificates were issued only
to qualified institutional buyers and are not publicly
available.
1.Payments for the benefit of investors in Extended Certificates and Maturity
Certificates in Series 2000-A on this Distribution Date (per $1000 of
Subclass Initial Investor Interest)
Extended Maturity Extended Maturity
Certificate Certificate Certificate Certificate
Series 2000-A Total Interest Interest Principal Principal
Subclass Investor
Interest $0.00 $0.00 $0.00 $0.00 $0.00
2.Principal Receivables at the end of July, 2005
(a) Aggregate Investor Interest $25,023,145,000.00
Seller Interest $8,324,089,600.27
Total Master Trust $33,347,234,600.27
(b) Group One Investor Interest $25,023,145,000.00
(c) Group One Investor Interest for Interchange Series $4,736,844,000.00
(d) Series 2000-A Investor Interest $4,000,000,000.00
(e) Series 2000-A Aggregate Discount Certificate Subclass
Investor Interests $4,000,000,000.00
(f) Series 2000-A Aggregate Extended Certificate Subclass
Investor Interests $0.00
(g) Series 2000-A Aggregate Maturity Certificate Subclass
Investor Interests $0.00
3.Allocation of Receivables and other amounts collected during
July, 2005
Finance Charge Principal
Collections Collections Interchange
(a) Allocation between Investors and Seller
Aggregate Investor
Allocation $349,612,063.46 $5,058,125,456.60 $12,855,054.78
Seller Allocation $92,515,670.41 $1,338,500,345.72 $73,023,938.76
(b) Group One
Allocation $349,612,063.46 $5,058,125,456.60 $12,855,054.78
(c) Series 2000-A
Allocation $55,886,271.96 $808,552,691.30 $0.00
(d) Monthly Principal Payment Rate (Principal Collections as a
monthly percentage of Master Trust Principal Receivables at
the beginning of July, 2005) 20.21%
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(e) Principal Collections as a monthly percentage of Master
Trust Receivables at the beginning of July, 2005 19.95%
(f) Finance Charge Collections as a monthly percentage of Master
Trust Receivables at the beginning of July, 2005 1.38%
(g) Total Collections as a monthly percentage of Master
Trust Receivables at the beginning of July, 2005 21.33%
4. Information Concerning the Series Principal Funding Account ("SPFA")
Deposits into the Deficit Amount
SPFA on this on this SPFA Investment
Distribution Date Distribution Date Balance Income
Series 2000-A $0.00 $0.00 $0.00 $0.00
5. Information Concerning Amount of Controlled Liquidation Payments
Amount Paid on Deficit Amount on Total Payments
this this through this
Distribution Date Distribution Date Distribution Date
Series 2000-A $0.00 $0.00 $0.00
6. Information Concerning the Series Interest Funding Account ("SIFA")
Deposits into the SIFA SIFA Balance at the
on this Distribution Date end of July, 2005
Series 2000-A $11,649,427.09 $101,754,150.72
7. Information Concerning the Proceeds Account
Deposits into the Proceeds
Account on this Distribution Date Proceeds Account
(other than Issuance Proceeds) Balance
Series 2000-A $0.00 $0.00
8.Investor Charged-Off Amount
Cumulative Investor
July, 2005 Charged-Off Amount
(a) Group One $135,336,652.66 $0.00
(b) Series 2000-A $21,633,867.26 $0.00
(c) As an annualized percentage of
Principal Receivables at the
beginning of July, 2005 6.49% N/A
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9. Investor Losses for July, 2005
Per $1,000 of Initial
Total Series Investor Interest
(a) Group One $0.00 $0.00
(b) Series 2000-A $0.00 $0.00
10. Reimbursement of Investor Losses for July, 2005
Per $1,000 of Initial
Total Series Investor Interest
(a) Group One $0.00 $0.00
(b) Series 2000-A $0.00 $0.00
11. Aggregate Amount of Unreimbursed Investor Losses as of the end of
July, 2005
Per $1,000 of Initial
Total Series Investor Interest
(a) Group One $0.00 $0.00
(b) Series 2000-A $0.00 $0.00
12. Investor Monthly Servicing Fee payable on this Distribution Date
(a) Group One $41,705,241.65
(b) Series 2000-A $6,666,666.67
13. Total Available Credit Enhancement Amounts
Class A Amount
(a) Maximum Amount on this Distribution Date $320,000,000.00
(b) Available Amount on this Distribution Date $320,000,000.00
(c) Amount of unreimbursed Drawings on Credit
Enhancement on this Distribution Date $0.00
(d) Credit Enhancement Fee on this Distribution Date $260,799.60
14. Delinquency Summary
Master Trust Receivables Outstanding at the end of
July, 2005 $33,771,075,449.40
Delinquent Amount Percentage of Ending
Payment Status Ending Balance Receivables Outstanding
30-59 Days $452,716,967.61 1.34%
60-179 Days $945,596,425.96 2.80%
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(1)
15. Excess Spread Percentages on this Distribution Date
(a) Group One (2) 4.33%
(b) Series 2000-A (3) 4.65%
16. Net Principal Charge-Off Percentage on this
Distribution Date (4)
Charge-offs net of recoveries as an annualized percentage of
Principal Receivables at the beginning of July, 2005 5.53%
date
17. Information concerning the MC Purchase Agreement
(a) Total purchases made pursuant to the MC Purchase
Agreement during July, 2005 $0.00
(b) Total Available Commitments at the end of
July, 2005 $1,320,000,000.00
(c) Aggregate amount on deposit in any MC Purchase Account
at the end of July, 2005 $0.00
U.S. Bank National Association
as Trustee
BY:____________________________
Vice President
________________________________________________________________
(1) Investors should refer only to the higher of the Group
Excess Spread Percentage (Item 15(a)) and the Series Excess
Spread Percentage (Item 15(b)) in assessing the current
performance of the Trust and the Receivables. If necessary,
the Trust will use funds available from series or subseries
with positive Series Excess Spreads to cover expenses (as
detailed in note 3 below) for series or subseries, if any,
with negative Series Excess Spreads.
(2) Group Excess Spread is the sum of the Series Excess Spreads
for each series, including each subseries, in the Group. The
Group Excess Spread Percentage is equal to the Group Excess
Spread, multiplied by twelve, divided by the Series Investor
Interests at the beginning of the period for each series,
including each subseries, in the Group.
(3) Series Excess Spread for this Series is equal to (a) the sum
of Finance Charge Collections, Yield Collections, Additional
Funds and any Investment Income for this Series (see Item 3(c)),
minus (b) the sum of (i) the product of (A) the Class Invested
Amount for such Distribution Date and (B) a fraction, the
numerator of which is the Class A Weighted Average Certificate
for that Class, and the denominator of which is 360 divided by
the actual number of days from and including the immediately
preceding Distribution Date (or, in the case of the first
Distribution Date, from and including the Series Closing Date)
to but excluding the current Distribution Date, (ii) the
Investor Servicing Fee (see Item 12(b)), (iii) the Investor
Charged-Off Amount (see Item 8(b)), (iv) the Credit
Enhancement Fee (see Item 13(d)), (v) the Monthly Commitment
Fees, (vi) the positive difference, if any, between MC Purchase
Account Interest and MC Purchase Account Investment Income, and
(vii) tax gross-up amounts, indemnification payments and
increased costs, if any, payable to the MC Purchasers under the
MC Purchase Agreement, in each case for this Distribution Date.
The Series Excess Spread Percentage is equal to the Series
Excess Spread, multiplied by twelve, divided by the Series
Investor Interest for this Series at the beginning of the
period.
(4)For purposes of allocations to investors, all recoveries
are treated as Finance Charge Collections and are included
as such in Item 3.
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MASTER SERVICER'S CERTIFICATE STATEMENT
DISCOVER CARD MASTER TRUST I
Series 2000-A Monthly Statement
CREDIT CARD
PASS-THROUGH CERTIFICATES
The undersigned, a duly authorized representative of Discover Bank
as Master Servicer pursuant to the Amended and Restated Pooling and
Servicing Agreement dated as of November 3, 2004 (the 'Pooling &
Servicing Agreement') and the Series Supplement, dated as of
May 22, 2000, as amended (the 'Series Supplement') by and between
Discover Bank and U.S. Bank National Association, as Trustee, does
hereby certify as follows with respect to the Series Supplement for the
Discover Card Master Trust I, Series 2000-A Master Trust
Certificates for the Distribution Date occurring on August 15, 2005:
1. Discover Bank is Master Servicer under the Pooling and
Servicing Agreement.
2. The undersigned is a Servicing Officer of Discover Bank as
Master Servicer.
3. The aggregate amount of Collections processed during
July, 2005 is equal to $6,838,753,536.19
4. The aggregate amount of Class A Principal Collections
processed during July, 2005 is equal to $808,552,691.30
5. The aggregate amount of Class A Finance Charge Collections
processed during July, 2005 is equal to $55,886,271.96
6. The aggregate amount of Class A Interchange processed
during July, 2005 is equal to $0.00
7. (a) The aggregate amount of Class A Principal Collections
recharacterized as Series Yield Collections during
July, 2005 is equal to $0.00
(b) The aggregate amount of Class A Additional Funds for
this Distribution date is equal to $0.00
8. The sum of all amounts payable to the Class A
Certificateholders on the current Distribution Date
is equal to $11,649,427.09
9. The sum of all amounts payable for benefit of the Class A
Discount Certificateholders on the current Distribution
Date is equal to $11,649,427.09
10.The sum of all amounts payable to the Class A Extended
Certificateholders on the current Distribution Date is
equal to $0.00
11.The sum of all amounts payable to the Class A Maturity
Certificateholders on the current Distribution Date is
equal to $0.00
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12.The amount of drawings under the Credit Enhancement
required to be made and not immediately reimbursed on the
related Drawing Date pursuant to the Series Supplement:
(a) with respect to the Class A Required Amount Shortfall
is equal to $0.00
(b) with respect to the Class A Cumulative Investor
Charged-Off Amount is equal to $0.00
(c) with respect to the Class A Investor Interest $0.00
is equal to
13.Attached hereto is a true copy of the statement required to be delivered by
the Master Servicer on the date of this Certificate to the Trustee pursuant
to the section entitled Master Servicer's Monthly Certificate of the Series
Supplement.
IN WITNESS WHEREOF, the undersigned has duly executed and delivered
certificate this 15th day of August, 2005.
Series 2000-A DISCOVER BANK
as Master Servicer
By: /S/ Patricia S. Hall
___________________________________
Assistant Vice President,
Assistant Treasurer and
Assistant Secretary
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