Exhibit 99 (A)
DISCOVER CARD MASTER TRUST 1
SERIES 1993-3
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of November 23, 1993, for Series
1993-3, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$21,699,999.96 $21,699,999.96 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$61.99999989 $61.99999989 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$1,063,798.56 $1,063,798.56 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$64.50000364 $64.50000364 $0.00000000
1
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the related
Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 61,211,150.85
(f) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 668,730,187.95
(g) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 2,884,394.23
(h) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 31,512,075.96
2. Investor Losses
(a) The aggregate amount of Class A and
Class B Investor Losses, as defined in
the Agreement, during the related Due
Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B
Investor Losses set forth in paragraph
(a) above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust
in the current year pursuant to the
Agreement, if any, in respect of Class A
and Class B Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
2
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses in
the Trust as of the end of the year
ended November 30, 2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year ended
November 30, 2002.
Class A Class B
------- -------
$6,999,999.96 $329,859.96
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion of
the Credit Enhancement in accordance
with the Pooling and Servicing Agreement
and its respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$9,162,325.00 $5,497,395.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
2.50% 33.33%
3
DISCOVER CARD MASTER TRUST 1
SERIES 1995-1
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of April 19, 1995, for Series 1995-1,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$13,024,254.83 $13,024,254.83 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$21.70709138 $21.70709138 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$739,918.15 $739,918.15 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$23.43070237 $23.43070237 $0.00000000
4
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the related
Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 104,932,822.97
(f) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 1,146,388,819.67
(g) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 5,522,478.27
(h) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 60,332,451.30
2. Investor Losses
(a) The aggregate amount of Class A and
Class B Investor Losses, as defined in
the Agreement, during the related Due
Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B
Investor Losses set forth in paragraph
(a) above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust
in the current year pursuant to the
Agreement, if any, in respect of Class A
and Class B Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
5
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses in
the Trust as of the end of the year
ended November 30, 2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year ended
November 30, 2002.
Class A Class B
------- -------
$12,000,000.00 $631,580.04
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion of
the Credit Enhancement in accordance
with the Pooling and Servicing Agreement
and its respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $37,894,740.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 120.00%
6
DISCOVER CARD MASTER TRUST 1
SERIES 1996-2
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of January 29, 1996, for Series
1996-2, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$18,988,882.25 $18,988,882.25 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$21.09875806 $21.09875806 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$1,066,664.72 $1,066,664.72 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$22.51820220 $22.51820220 $0.00000000
7
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the related
Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 157,398,746.16
(f) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 1,719,577,591.57
(g) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 8,285,210.69
(h) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 90,515,928.21
2. Investor Losses
(a) The aggregate amount of Class A and
Class B Investor Losses, as defined in
the Agreement, during the related Due
Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B
Investor Losses set forth in paragraph
(a) above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust
in the current year pursuant to the
Agreement, if any, in respect of Class A
and Class B Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
8
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses in
the Trust as of the end of the year
ended November 30, 2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year ended
November 30, 2002.
Class A Class B
------- -------
$18,000,000.00 $947,379.96
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion of
the Credit Enhancement in accordance
with the Pooling and Servicing Agreement
and its respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $56,842,140.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 120.00%
9
DISCOVER CARD MASTER TRUST 1
SERIES 1996-3
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of February 21, 1996, for Series
1996-3, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$36,300,000.00 $36,300,000.00 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$60.50000000 $60.50000000 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$1,973,687.52 $1,973,687.52 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$62.50000063 $62.50000063 $0.00000000
10
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the related
Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 104,932,822.97
(f) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 1,146,388,819.67
(g) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 5,522,478.27
(h) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 60,332,451.30
2. Investor Losses
(a) The aggregate amount of Class A and
Class B Investor Losses, as defined in
the Agreement, during the related Due
Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B
Investor Losses set forth in paragraph
(a) above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust
in the current year pursuant to the
Agreement, if any, in respect of Class A
and Class B Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
11
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses in
the Trust as of the end of the year
ended November 30, 2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year ended
November 30, 2002.
Class A Class B
------- -------
$12,000,000.00 $631,580.04
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion of
the Credit Enhancement in accordance
with the Pooling and Servicing Agreement
and its respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $18,947,370.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 60.00%
12
DISCOVER CARD MASTER TRUST 1
SERIES 1996-4
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of April 30, 1996, for Series 1996-4,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$22,670,285.84 $22,670,285.84 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$22.67028584 $22.67028584 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$1,286,567.74 $1,286,567.74 $0.00
(b) The amount of the distribution set forth
in paragraph (a) above, per $1,000
interest.
Total Interest Principal
--------------------------------------------------
$24.44459150 $24.44459150 $0.00000000
13
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the related
Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 174,888,203.10
(f) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class A Certificates. $ 1,910,649,666.40
(g) The aggregate amount of Finance Charge
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 9,204,741.78
(h) The aggregate amount of Principal
Collections processed during the related
Due Periods which was allocated in
respect of the Class B Certificates. $ 100,562,019.32
2. Investor Losses
(a) The aggregate amount of Class A and
Class B Investor Losses, as defined in
the Agreement, during the related Due
Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B
Investor Losses set forth in paragraph
(a) above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust
in the current year pursuant to the
Agreement, if any, in respect of Class A
and Class B Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
14
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses in
the Trust as of the end of the year
ended November 30, 2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year ended
November 30, 2002.
Class A Class B
------- -------
$20,000,000.04 $1,052,640.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion of
the Credit Enhancement in accordance
with the Pooling and Servicing Agreement
and its respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $63,157,920.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 120.00%
15
DISCOVER CARD MASTER TRUST 1
SERIES 1997-3
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of October 23, 1997, for Series
1997-3, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
----------------------------------------------------------------
$13,121,067.75 $ 13,121,067.75 $ 0.00
(b) The amount of the distribution set
forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
----------------------------------------------------------------
$ 20.18625808 $ 20.18625808 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
----------------------------------------------------------------
$ 753,027.15 $ 753,027.15 $ 0.00
(b) The amount of the distribution set
forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
----------------------------------------------------------------
$ 22.01125807 $ 22.01125807 $ 0.00000000
16
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge Collections
processed during the related Due Periods. $6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance Charge Collections
processed during the related Due Periods which was
allocated in respect of the Seller Certificate. $950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods which was
allocated in respect of the Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance Charge Collections
processed during the related Due Periods which was
allocated in respect of the Class A Certificates. $113,676,043.41
(f) The aggregate amount of Principal Collections
processed during the related Due Periods which was
allocated in respect of the Class A Certificates. $1,241,908,687.92
(g) The aggregate amount of Finance Charge Collections
processed during the related Due Periods which was
allocated in respect of the Class B Certificates. $5,983,019.01
(h) The aggregate amount of Principal Collections
processed during the related Due Periods which was
allocated in respect of the Class B Certificates. $65,363,825.67
2. Investor Losses
(a) The aggregate amount of Class A
and Class B Investor Losses, as
defined in the Agreement, during
the related Due Periods.
Class A Class B
------- -------
$ 0.00 $ 0.00
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust
in the current year pursuant to the Agreement, if any,
in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$ 0.00 $ 0.00
17
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses
in the Trust as of the end of the
year ended November 30, 2002.
Class A Class B
------- -------
$0.00 $ 0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year
ended November 30, 2002.
Class A Class B
------- -------
$ 12,999,999.96 $ 684,219.96
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion
of the Credit Enhancement in
accordance with the Pooling and
Servicing Agreement and its
respective Series Supplement as of
the Distribution Date prior to
November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $ 51,315,825.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
18
DISCOVER CARD MASTER TRUST 1
SERIES 1998-3
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of March 25, 1998, for Series 1998-3,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on
the related Distribution Dates.
Total Interest Principal
----------------------------------------------------------------
$15,101,672.71 $ 15,101,672.71 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a)
above, per $1,000 interest.
Total Interest Principal
-----------------------------------------------------------------
$ 20.13556361 $ 20.13556361 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to
Class B Certificateholders
on the related Distribution Dates.
Total Interest Principal
----------------------------------------------------------------
$ 860,867.98 $ 860,867.98 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a)
above, per $1,000 interest.
Total Interest Principal
-----------------------------------------------------------------
$ 21.80848103 $ 21.80848103 $ 0.00000000
19
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge Collections
processed during the related Due Periods. $6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance Charge Collections
processed during the related Due Periods which was
allocated in respect of the Seller Certificate. $950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods which was
allocated in respect of the Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance Charge Collections
processed during the related Due Periods which was
allocated in respect of the Class A Certificates. $131,166,519.68
(f) The aggregate amount of Principal Collections
processed during the related Due Periods which was
allocated in respect of the Class A Certificates. $1,432,991,424.67
(g) The aggregate amount of Finance Charge Collections
processed during the related Due Periods which was
allocated in respect of the Class B Certificates. $6,902,591.23
(h) The aggregate amount of Principal Collections
processed during the related Due Periods which was
allocated in respect of the Class B Certificates. $75,410,825.19
2. Investor Losses
(a) The aggregate amount of Class A and
Class B Investor Losses, as defined
in the Agreement, during the related
Due Periods.
Class A Class B
------- -------
$ 0.00 $ 0.00
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the
Trust in the current year pursuant to
the Agreement, if any, in respect of
Class A and Class B Investor Losses.
Class A Class B
------- -------
$ 0.00 $ 0.00
20
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses
in the Trust as of the end of the
year ended November 30, 2002.
Class A Class B
------- -------
$0.00 $ 0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year
ended November 30, 2002.
Class A Class B
------- -------
$15,000,000.00 $789,480.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion
of the Credit Enhancement in
accordance with the Pooling and
Servicing Agreement and its
respective Series Supplement as of
the Distribution Date prior to
November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $ 59,210,550.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
21
DISCOVER CARD MASTER TRUST 1
SERIES 1998-6
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of July 30, 1998, for Series 1998-6,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$29,250,000.00 $29,250,000.00 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$58.50000000 $58.50000000 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$1,592,118.00 $1,592,118.00 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$60.50000000 $60.50000000 $0.00000000
22
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 87,443,832.91
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 955,322,659.64
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 4,602,415.17
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 50,280,871.10
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
23
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$9,999,999.96 $526,320.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $21,052,640.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 80.00%
24
DISCOVER CARD MASTER TRUST 1
SERIES 1998-7
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of November 12, 1998, for Series
1998-7, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A Certificateholders on
the related Distribution Dates.
Total Interest Principal
-----------------------------------------------------------
$ 56,000,000.04 $ 56,000,000.04 $ 0.00
(b) The amount of the distribution set forth in paragraph (a)
above, per $1,000 interest.
Total Interest Principal
-----------------------------------------------------------
$ 56.00000004 $ 56.00000004 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B Certificateholders on
the related Distribution Dates.
Total Interest Principal
-----------------------------------------------------------
$ 3,105,288.00 $ 3,105,288.00 $ 0.00
(b) The amount of the distribution set forth in paragraph (a)
above, per $1,000 interest.
Total Interest Principal
-----------------------------------------------------------
$ 59.00000000 $ 59.00000000 $ 0.00000000
25
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the
related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the
related Due Periods which was
allocated in respect of the Seller
Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Seller
Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the
related Due Periods which was
allocated in respect of the Class A
Certificates. $ 174,888,203.10
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class A
Certificates. $ 1,910,649,666.40
(g) The aggregate amount of Finance Charge
Collections processed during the
related Due Periods which was
allocated in respect of the Class B
Certificates. $ 9,204,741.78
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class B
Certificates. $ 100,562,019.32
2. Investor Losses
(a) The aggregate amount of Class A and
Class B Investor Losses, as defined in
the Agreement, during the related Due
Periods.
Class A Class B
------- -------
$ 0.00 $ 0.00
(b) The amount of Class A and Class B
Investor Losses set forth in paragraph
(a) above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust
in the current year pursuant to the
Agreement, if any, in respect of Class A
and Class B Investor Losses.
Class A Class B
------- -------
$ 0.00 $ 0.00
26
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses in
the Trust as of the end of the year
ended November 30, 2002.
Class A Class B
------- -------
$ 0.00 $ 0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year ended
November 30, 2002.
Class A Class B
------- -------
$ 20,000,000.04 $ 1,052,640.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion of
the Credit Enhancement in accordance
with the Pooling and Servicing Agreement
and its respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$ 0.00 $ 42,105,280.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 80.00%
27
DISCOVER CARD MASTER TRUST 1
SERIES 1999-5
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of June 15, 1999, for Series 1999-5,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on
the related Distribution Dates.
Total Interest Principal
-----------------------------------------------------------
$ 10,346,601.25 $ 10,346,601.25 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a)
above, per $1,000 interest.
Total Interest Principal
-----------------------------------------------------------
$ 20.69320250 $ 20.69320250 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to
Class B Certificateholders on
the related Distribution Dates.
Total Interest Principal
-----------------------------------------------------------
$ 605,929.76 $ 605,929.76 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a)
above, per $1,000 interest.
Total Interest Principal
-----------------------------------------------------------
$ 23.02514668 $ 23.02514668 $ 0.00000000
28
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the
related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the
related Due Periods which was
allocated in respect of the Seller
Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Seller
Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the
related Due Periods which was
allocated in respect of the Class A
Certificates. $ 87,443,832.91
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class A
Certificates. $ 955,322,659.64
(g) The aggregate amount of Finance Charge
Collections processed during the
related Due Periods which was
allocated in respect of the Class B
Certificates. $ 4,602,415.17
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class B
Certificates. $ 50,280,871.10
2. Investor Losses
(a) The aggregate amount of Class A and
Class B Investor Losses, as defined in
the Agreement, during the related Due
Periods.
Class A Class B
------- -------
$ 0.00 $0.00
(b) The amount of Class A and Class B
Investor Losses set forth in paragraph
(a) above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the
Trust in the current year pursuant to
the Agreement, if any, in respect of
Class A and Class B Investor Losses.
Class A Class B
------- -------
$ 0.00 $0.00
29
(d) The amount set forth in paragraph (c)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed
Class A and Class B Investor Losses in
the Trust as of the end of the year
ended November 30, 2002.
Class A Class B
------- -------
$0.00 $ 0.00
(f) The amount set forth in paragraph (e)
above, per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year
ended November 30, 2002.
Class A Class B
------- -------
$ 9,999,999.96 $ 526,320.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion of
the Credit Enhancement in accordance
with the Pooling and Servicing
Agreement and its respective Series
Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $ 39,473,700.00
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
30
DISCOVER CARD MASTER TRUST 1
SERIES 1999-6
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of December 14, 1999, for Series
1999-6, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$51,375,000.00 $51,375,000.00 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$68.50000000 $68.50000000 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$2,802,654.00 $2,802,654.00 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$71.00000000 $71.00000000 $0.00000000
31
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 131,166,519.68
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 1,432,991,424.67
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 6,902,591.23
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 75,410,825.19
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
32
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$15,000,000.00 $789,480.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $31,578,960.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 80.00%
33
DISCOVER CARD MASTER TRUST 1
SERIES 2000-1
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of January 27, 2000, for Series
2000-1, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$10,295,906.80 $10,295,906.80 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$20.59181360 $20.59181360 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$595,257.16 $595,257.16 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$22.61959112 $22.61959112 $0.00000000
34
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 87,443,832.91
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 955,322,659.64
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 4,602,415.17
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 50,280,871.10
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
35
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$9,999,999.96 $526,320.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $39,473,700.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
36
DISCOVER CARD MASTER TRUST 1
SERIES 2000-2
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of March 14, 2000, for Series 2000-2,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$15,519,901.88 $15,519,901.88 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$20.69320251 $20.69320251 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$892,885.78 $892,885.78 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$22.61959214 $22.61959214 $0.00000000
37
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 131,166,519.68
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 1,432,991,424.67
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 6,902,591.23
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 75,410,825.19
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
38
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$15,000,000.00 $789,480.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $59,210,550.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
39
DISCOVER CARD MASTER TRUST 1
SERIES 2000-3
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of April 04, 2000, for Series 2000-3,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$10,042,434.57 $10,042,434.57 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$20.08486914 $20.08486914 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$576,580.11 $576,580.11 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$21.90986890 $21.90986890 $0.00000000
40
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 87,443,832.91
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 955,322,659.64
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 4,602,415.17
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 50,280,871.10
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
41
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$9,999,999.96 $526,320.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $39,473,700.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
42
DISCOVER CARD MASTER TRUST 1
SERIES 2000-4
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of May 10, 2000, for Series 2000-4,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$13,648,289.96 $13,648,289.96 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$20.99736917 $20.99736917 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$801,587.76 $801,587.76 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$23.43070241 $23.43070241 $0.00000000
43
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 113,676,043.41
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 1,241,908,687.92
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 5,983,019.01
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 65,363,825.67
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
44
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$12,999,999.96 $684,219.96
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $51,315,825.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
45
DISCOVER CARD MASTER TRUST 1
SERIES 2000-5
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of June 06, 2000, for Series 2000-5,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$24,831,843.00 $24,831,843.00 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$20.69320250 $20.69320250 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$1,454,222.23 $1,454,222.23 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$23.02514693 $23.02514693 $0.00000000
46
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 209,866,130.95
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 2,292,782,556.42
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 11,045,905.90
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 120,676,121.66
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
47
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $ 0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$24,000,000.00 $1,263,159.96
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $94,736,850.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
48
DISCOVER CARD MASTER TRUST 1
SERIES 2000-6
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of June 19, 2000, for Series 2000-6,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. INFORMATION REGARDING THE AGGREGATE DISTRIBUTIONS FOR THE FISCAL YEAR ENDED
NOVEMBER 30, 2002
1. CLASS A CERTIFICATES
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
TOTAL INTEREST PRINCIPAL
--------------------------------------------------
$15,297,512.23 $15,297,512.23 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
TOTAL INTEREST PRINCIPAL
--------------------------------------------------
$21.85358890 $21.85358890 $0.00000000
2. CLASS B CERTIFICATES
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
TOTAL INTEREST PRINCIPAL
--------------------------------------------------
$891,067.61 $891,067.61 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
TOTAL INTEREST PRINCIPAL
--------------------------------------------------
$24.18553348 $24.18553348 $0.00000000
49
B. INFORMATION REGARDING THE PERFORMANCE OF THE TRUST
1. COLLECTIONS OF RECEIVABLES
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 122,421,259.03
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 1,337,449,707.63
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 6,444,067.86
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 70,401,566.11
2. INVESTOR LOSSES
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
CLASS A CLASS B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
CLASS A CLASS B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
CLASS A CLASS B
------- -------
$0.00 $0.00
50
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
CLASS A CLASS B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
CLASS A CLASS B
------- -------
$0.00 $ 0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
CLASS A CLASS B
------- -------
0.00000000 0.00000000
3. INVESTOR SERVICING FEE
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
CLASS A CLASS B
------- -------
$14,000,000.04 $736,860.00
4. AVAILABLE CREDIT ENHANCEMENT AMOUNT
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
SHARED AMOUNT CLASS B AMOUNT
------------- --------------
$0.00 $55,263,225.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
SHARED AMOUNT CLASS B AMOUNT
------------- --------------
0.00% 150.00%
51
DISCOVER CARD MASTER TRUST 1
SERIES 2000-7
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of June 20, 2000, for Series 2000-7,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on
the related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 20,629,171.34 $ 20,629,171.34 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a)
above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 24.26961334 $ 24.26961334 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to
Class B Certificateholders on
the related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 1,194,311.48 $ 1,194,311.48 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a)
above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 26.69628004 $ 26.69628004 $ 0.00000000
52
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect
of the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the
Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect
of the Class A Certificates. $ 148,654,983.78
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
A Certificates. $ 1,624,052,847.57
(g) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect
of the Class B Certificates. $ 7,823,631.06
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the
Class B Certificates. $ 85,473,582.04
2. Investor Losses
(a) The aggregate amount of Class A
and Class B Investor Losses, as
defined in the Agreement, during
the related Due Periods.
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(c) The total amount reimbursed to
the Trust in the current year
pursuant to the Agreement, if
any, in respect of Class A and
Class B Investor Losses.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
53
(d) The amount set forth in paragraph
(c) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(e) The aggregate amount of
unreimbursed Class A and Class B
Investor Losses in the Trust as
of the end of the year ended
November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(f) The amount set forth in paragraph
(e) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by the
Trust to the Servicer for the year
ended November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 17,000,000.04 $ 894,740.04
</Table>
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from
both the shared and Class B portion of
the Credit Enhancement in accordance
with the Pooling and Servicing
Agreement and its respective Series
Supplement as of the Distribution Date
prior to November 30, 2002.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
$ 0.00 $ 67,105,275.00
</Table>
(b) The amount set forth in paragraph (a)
above as a percentage of the Series
Investor Interest and the Class B
Investor Interest.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
0.00% 150.00%
54
DISCOVER CARD MASTER TRUST 1
SERIES 2000-8
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of October 24, 2000, for Series
2000-8, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 19,882,091.38 $ 19,882,091.38 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 19.88209138 $ 19.88209138 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to
Class B Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 1,174,505.44 $ 1,174,505.44 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 22.31542484 $ 22.31542484 $ 0.00000000
55
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Seller Certificate.
$ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the
Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class A Certificates. $ 174,888,203.10
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
A Certificates. $ 1,910,649,666.40
(g) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class B Certificates. $ 9,204,741.78
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
B Certificates. $ 100,562,019.32
2. Investor Losses
(a) The aggregate amount of Class A
and Class B Investor Losses, as
defined in the Agreement, during
the related Due Periods.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(c) The total amount reimbursed to
the Trust in the current year
pursuant to the Agreement, if
any, in respect of Class A and
Class B Investor Losses.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
56
(d) The amount set forth in paragraph
(c) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(e) The aggregate amount of
unreimbursed Class A and Class B
Investor Losses in the Trust as
of the end of the year ended
November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(f) The amount set forth in paragraph
(e) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by
the Trust to the Servicer for the
year ended November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 20,000,000.04 $ 1,052,640.00
</Table>
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn
from both the shared and Class B
portion of the Credit Enhancement
in accordance with the Pooling
and Servicing Agreement and its
respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
$ 0.00 $ 78,947,400.00
</Table>
(b) The amount set forth in paragraph
(a) above as a percentage of the
Series Investor Interest and the
Class B Investor Interest.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
0.00% 150.00%
57
DISCOVER CARD MASTER TRUST 1
SERIES 2000-9
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of December 19, 2000, for Series
2000-9, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 31,749,999.96 $ 31,749,999.96 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 63.49999992 $ 63.49999992 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to
Class B Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 608,597.91 $ 608,597.91 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 23.12653557 $ 23.12653557 $ 0.00000000
58
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the
Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class A Certificates. $ 87,443,832.91
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
A Certificates. $ 955,322,659.64
(g) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class B Certificates. $ 4,602,415.17
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
B Certificates. $ 50,280,871.10
2. Investor Losses
(a) The aggregate amount of Class A
and Class B Investor Losses, as
defined in the Agreement, during
the related Due Periods.
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
(c) The total amount reimbursed to
the Trust in the current year
pursuant to the Agreement, if
any, in respect of Class A and
Class B Investor Losses.
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
59
(d) The amount set forth in paragraph
(c) above, per $1,000 interest.
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
(e) The aggregate amount of
unreimbursed Class A and Class B
Investor Losses in the Trust as
of the end of the year ended
November 30, 2002.
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
(f) The amount set forth in paragraph
(e) above, per $1,000 interest.
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by
the Trust to the Servicer for the
year ended November 30, 2002.
<Caption>
Class A Class B
--------------- ---------------
$ 9,999,999.96 $ 526,320.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn
from both the shared and Class B
portion of the Credit Enhancement
in accordance with the Pooling
and Servicing Agreement and its
respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
<Caption>
Shared Amount Class B Amount
--------------- ---------------
$ 0.00 $ 28,947,380.00
(b) The amount set forth in paragraph
(a) above as a percentage of the
Series Investor Interest and the
Class B Investor Interest.
<Caption>
Shared Amount Class B Amount
--------------- ---------------
0.00% 110.00%
60
DISCOVER CARD MASTER TRUST 1
SERIES 2000-A
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of May 22, 2000, for Series 2000-A,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$78,005,565.58 $ 78,005,565.58 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 19.50139140 $ 19.50139140 $ 0.00000000
2. Class A Discount Certificates
(a) The amount of distribution for
benefit of Class A Discount
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$78,005,565.58 $ 78,005,565.58 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 19.50139140 $ 19.50139140 $ 0.00000000
3. Class A Extended Certificates
(a) The amount of distribution to
Class A Extended
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 0.00 $ 0.00 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 0.00000000 $ 0.00000000 $ 0.00000000
4. Class A Maturity Certificates
(a) The amount of distribution to
Class A Maturity
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 0.00 $ 0.00 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 0.00000000 $ 0.00000000 $ 0.00000000
61
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the
Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class A Certificates. $ 699,552,275.14
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
A Certificates. $ 7,642,594,318.44
(g) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class B Certificates. $ 0.00
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
B Certificates. $ 0.00
2. Investor Losses
(a) The aggregate amount of Class A
and Class B Investor Losses, as
defined in the Agreement, during
the related Due Periods.
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
(c) The total amount reimbursed to
the Trust in the current year
pursuant to the Agreement, if
any, in respect of Class A and
Class B Investor Losses.
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
62
(d) The amount set forth in paragraph
(c) above, per $1,000 interest.
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
(e) The aggregate amount of
unreimbursed Class A and Class B
Investor Losses in the Trust as
of the end of the year ended
November 30, 2002.
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
(f) The amount set forth in paragraph
(e) above, per $1,000 interest.
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by
the Trust to the Servicer for the
year ended November 30, 2002.
<Caption>
Class A Class B
--------------- ---------------
$ 80,000,000.04 $ 0.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn
from both the shared and Class B
portion of the Credit Enhancement
in accordance with the Pooling
and Servicing Agreement and its
respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
<Caption>
Shared Amount Class B Amount
--------------- ---------------
$320,000,000.00 $ 0.00
(b) The amount set forth in paragraph
(a) above as a percentage of the
Series Investor Interest and the
Class B Investor Interest.
<Caption>
Shared Amount Class B Amount
--------------- ---------------
8.00% 0.00%
63
DISCOVER CARD MASTER TRUST 1
SERIES 2001-1
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of January 04, 2001, for Series
2001-1, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 25,318,509.67 $ 25,318,509.67 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 21.09875806 $ 21.09875806 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to
Class B Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 1,543,871.51 $ 1,543,871.51 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 24.44459150 $ 24.44459150 $ 0.00000000
64
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the
Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class A Certificates. $ 209,866,130.95
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
A Certificates. $ 2,292,782,556.42
(g) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class B Certificates. $ 11,045,905.90
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
B Certificates. $ 120,676,121.66
2. Investor Losses
(a) The aggregate amount of Class A
and Class B Investor Losses, as
defined in the Agreement, during
the related Due Periods.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(c) The total amount reimbursed to
the Trust in the current year
pursuant to the Agreement, if
any, in respect of Class A and
Class B Investor Losses.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
65
(d) The amount set forth in paragraph
(c) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(e) The aggregate amount of
unreimbursed Class A and Class B
Investor Losses in the Trust as
of the end of the year ended
November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(f) The amount set forth in paragraph
(e) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by
the Trust to the Servicer for the
year ended November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 24,000,000.00 $ 1,263,159.96
</Table>
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn
from both the shared and Class B
portion of the Credit Enhancement
in accordance with the Pooling
and Servicing Agreement and its
respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
$ 0.00 $ 94,736,850.00
</Table>
(b) The amount set forth in paragraph
(a) above as a percentage of the
Series Investor Interest and the
Class B Investor Interest.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
0.00% 150.00%
66
DISCOVER CARD MASTER TRUST 1
SERIES 2001-2
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of January 16, 2001, for Series
2001-2, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 22,539,467.21 $ 22,539,467.21 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 20.49042474 $ 20.49042474 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to
Class B Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 1,362,390.42 $ 1,362,390.42 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 23.53209120 $ 23.53209120 $ 0.00000000
67
B. Information Regarding the Performance of the Trust
<Table>
1. Collections of Receivables
(a) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the
Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class A Certificates. $ 192,377,657.76
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
A Certificates. $ 2,101,722,211.90
(g) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class B Certificates. $ 10,125,357.79
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
B Certificates. $ 110,619,076.59
2. Investor Losses
(a) The aggregate amount of Class A
and Class B Investor Losses, as
defined in the Agreement, during
the related Due Periods.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(c) The total amount reimbursed to
the Trust in the current year
pursuant to the Agreement, if
any, in respect of Class A and
Class B Investor Losses.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
68
(d) The amount set forth in paragraph
(c) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(e) The aggregate amount of
unreimbursed Class A and Class B
Investor Losses in the Trust as
of the end of the year ended
November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(f) The amount set forth in paragraph
(e) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by
the Trust to the Servicer for the
year ended November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 21,999,999.96 $ 1,157,900.04
</Table>
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn
from both the shared and Class B
portion of the Credit Enhancement
in accordance with the Pooling
and Servicing Agreement and its
respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
$ 0.00 $ 86,842,125.00
</Table>
(b) The amount set forth in paragraph
(a) above as a percentage of the
Series Investor Interest and the
Class B Investor Interest.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
0.00% 150.00%
69
DISCOVER CARD MASTER TRUST 1
SERIES 2001-3
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of March 15, 2001, for Series 2001-3,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year
Ended November 30, 2002
1. Class A Certificates
(a) The amount of distribution to
Class A Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 15,291,776.88 $ 15,291,776.88 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 20.38903584 $ 20.38903584 $ 0.00000000
2. Class B Certificates
(a) The amount of distribution to
Class B Certificateholders on the
related Distribution Dates.
Total Interest Principal
--------------------------------------------------------------------------
$ 912,896.88 $ 912,896.88 $ 0.00
(b) The amount of the distribution
set forth in paragraph (a) above,
per $1,000 interest.
Total Interest Principal
--------------------------------------------------------------------------
$ 23.12653595 $ 23.12653595 $ 0.00000000
70
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal
Collections processed during the
related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the
Seller Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class A Certificates. $ 131,166,519.68
(f) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
A Certificates. $ 1,432,991,424.67
(g) The aggregate amount of Finance
Charge Collections processed
during the related Due Periods
which was allocated in respect of
the Class B Certificates. $ 6,902,591.23
(h) The aggregate amount of Principal
Collections processed during the
related Due Periods which was
allocated in respect of the Class
B Certificates. $ 75,410,825.19
2. Investor Losses
(a) The aggregate amount of Class A
and Class B Investor Losses, as
defined in the Agreement, during
the related Due Periods.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(b) The amount of Class A and Class B
Investor Losses set forth in
paragraph (a) above, per $1,000
interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(c) The total amount reimbursed to
the Trust in the current year
pursuant to the Agreement, if
any, in respect of Class A and
Class B Investor Losses.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
71
(d) The amount set forth in paragraph
(c) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
(e) The aggregate amount of
unreimbursed Class A and Class B
Investor Losses in the Trust as
of the end of the year ended
November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 0.00 $ 0.00
</Table>
(f) The amount set forth in paragraph
(e) above, per $1,000 interest.
<Table>
<Caption>
Class A Class B
--------------- ---------------
0.00000000 0.00000000
</Table>
3. Investor Servicing Fee
(a) The amount of Class A and Class B
Monthly Servicing Fee payable by
the Trust to the Servicer for the
year ended November 30, 2002.
<Table>
<Caption>
Class A Class B
--------------- ---------------
$ 15,000,000.00 $ 789,480.00
</Table>
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn
from both the shared and Class B
portion of the Credit Enhancement
in accordance with the Pooling
and Servicing Agreement and its
respective Series Supplement as
of the Distribution Date prior to
November 30, 2002.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
$ 0.00 $ 59,210,550.00
</Table>
(b) The amount set forth in paragraph
(a) above as a percentage of the
Series Investor Interest and the
Class B Investor Interest.
<Table>
<Caption>
Shared Amount Class B Amount
--------------- ---------------
0.00% 150.00%
72
DISCOVER CARD MASTER TRUST 1
SERIES 2001-4
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of April 17, 2001, for Series 2001-4,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$9,890,351.25 $9,890,351.25 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$19.78070250 $19.78070250 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$595,257.16 $595,257.16 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$22.61959112 $22.61959112 $0.00000000
73
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 87,443,832.91
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 955,322,659.64
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 4,602,415.17
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 50,280,871.10
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
74
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$9,999,999.96 $526,320.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $39,473,700.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
75
DISCOVER CARD MASTER TRUST 1
SERIES 2001-5
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of May 24, 2001, for Series 2001-5,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. INFORMATION REGARDING THE AGGREGATE DISTRIBUTIONS FOR THE FISCAL YEAR ENDED
NOVEMBER 30, 2002
1. CLASS A CERTIFICATES
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$53,000,000.04 $53,000,000.04 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$53.00000004 $53.00000004 $0.00000000
2. CLASS B CERTIFICATES
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$2,973,708.00 $2,973,708.00 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$56.50000000 $56.50000000 $0.00000000
76
B. INFORMATION REGARDING THE PERFORMANCE OF THE TRUST
1. COLLECTIONS OF RECEIVABLES
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 174,888,203.10
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 1,910,649,666.40
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 9,204,741.78
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 100,562,019.32
2. INVESTOR LOSSES
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
77
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. INVESTOR SERVICING FEE
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$20,000,000.04 $1,052,640.00
4. AVAILABLE CREDIT ENHANCEMENT AMOUNT
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $42,105,280.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 80.00%
78
DISCOVER CARD MASTER TRUST 1
SERIES 2001-6
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of July 24, 2001, for Series 2001-6,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$25,635,416.63 $25,635,416.63 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$51.27083326 $51.27083326 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$611,266.06 $611,266.06 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$23.22792446 $23.22792446 $0.00000000
79
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 87,443,832.91
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 955,322,659.64
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 4,602,415.17
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 50,280,871.10
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
80
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$9,999,999.96 $526,320.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $28,947,380.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 110.00%
81
DISCOVER CARD MASTER TRUST 1
SERIES 2002-1
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of January 23, 2002, for Series
2002-1, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$15,618,667.22 $15,618,667.22 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$15.61866722 $15.61866722 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$964,849.86 $964,849.86 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$18.33200068 $18.33200068 $0.00000000
82
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 144,191,882.28
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 1,605,927,070.67
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 7,589,567.50
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 84,528,205.78
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
83
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$16,666,666.70 $877,200.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $78,947,400.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
84
DISCOVER CARD MASTER TRUST 1
SERIES 2002-2
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of April 25, 2002, for Series 2002-2,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$21,458,333.33 $21,458,333.33 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$28.61111111 $28.61111111 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$1,195,185.00 $1,195,185.00 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$30.27777778 $30.27777778 $0.00000000
85
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 74,937,793.50
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 844,456,228.57
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 3,943,591.75
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 44,439,473.53
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
86
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$8,750,000.00 $460,530.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $31,578,960.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 80.00%
87
DISCOVER CARD MASTER TRUST 1
SERIES 2002-3
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of May 29, 2002, for Series 2002-3,
and relating to the Pooling and Servicing Agreement dated as of October 1, 1993
(the "Agreement") by and between Discover Bank (the "Servicer"), and U.S. Bank
National Association, as Trustee, the Servicer is required to prepare certain
information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$8,195,300.50 $8,195,300.50 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$9.10588944 $9.10588944 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$498,442.96 $498,442.96 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$10.52255610 $10.52255610 $0.00000000
88
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 77,547,346.26
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 880,470,010.32
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 4,082,139.66
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 46,348,469.01
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
89
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$9,000,000.00 $473,689.98
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $71,052,675.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
90
DISCOVER CARD MASTER TRUST 1
SERIES 2002-4
CREDIT CARD PASS - THROUGH CERTIFICATES
DISTRIBUTION AND PERFORMANCE
ANNUAL AGGREGATE REPORT - 2002
Pursuant to the Series Supplement dated as of October 17, 2002, for Series
2002-4, and relating to the Pooling and Servicing Agreement dated as of October
1, 1993 (the "Agreement") by and between Discover Bank (the "Servicer"), and
U.S. Bank National Association, as Trustee, the Servicer is required to prepare
certain information each month regarding current distributions to Investor
Certificateholders and the performance of the Trust during the previous month.
For purposes of filing Form 10-K, certain information is required to be prepared
with respect to such Distribution Dates occurring during the fiscal year ended
November 30, 2002. The information which is required to be prepared with respect
to such Distribution Dates related to the period mentioned above is set forth
below. Certain of the information is presented on the basis of an original
principal amount of $1,000 per Investor Certificate. Certain other information
is presented based upon the aggregate amounts for the Trust as a whole.
A. Information Regarding the Aggregate Distributions for the Fiscal Year Ended
November 30, 2002
1. Class A Certificates
(a) The amount of distribution to Class A
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$1,132,812.50 $1,132,812.50 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$1.51041667 $1.51041667 $0.00000000
2. Class B Certificates
(a) The amount of distribution to Class B
Certificateholders on the related
Distribution Dates.
Total Interest Principal
--------------------------------------------------
$68,843.75 $68,843.75 $0.00
(b) The amount of the distribution set forth in
paragraph (a) above, per $1,000 interest.
Total Interest Principal
--------------------------------------------------
$1.74402771 $1.74402771 $0.00000000
91
B. Information Regarding the Performance of the Trust
1. Collections of Receivables
(a) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods. $ 6,036,394,751.51
(b) The aggregate amount of Principal Collections
processed during the related Due Periods. $ 65,955,089,434.08
(c) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Seller Certificate. $ 950,413,771.41
(d) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Seller
Certificate. $ 10,407,297,137.43
(e) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class A Certificates. $ 10,956,515.95
(f) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class A
Certificates. $ 124,198,342.94
(g) The aggregate amount of Finance Charge
Collections processed during the related Due
Periods which was allocated in respect of the
Class B Certificates. $ 576,842.90
(h) The aggregate amount of Principal Collections
processed during the related Due Periods
which was allocated in respect of the Class B
Certificates. $ 6,538,842.45
2. Investor Losses
(a) The aggregate amount of Class A and Class B
Investor Losses, as defined in the Agreement,
during the related Due Periods.
Class A Class B
------- -------
$0.00 $0.00
(b) The amount of Class A and Class B Investor
Losses set forth in paragraph (a) above, per
$1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(c) The total amount reimbursed to the Trust in
the current year pursuant to the Agreement,
if any, in respect of Class A and Class B
Investor Losses.
Class A Class B
------- -------
$0.00 $0.00
92
(d) The amount set forth in paragraph (c) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
(e) The aggregate amount of unreimbursed Class A
and Class B Investor Losses in the Trust as
of the end of the year ended November 30,
2002.
Class A Class B
------- -------
$0.00 $0.00
(f) The amount set forth in paragraph (e) above,
per $1,000 interest.
Class A Class B
------- -------
0.00000000 0.00000000
3. Investor Servicing Fee
(a) The amount of Class A and Class B Monthly
Servicing Fee payable by the Trust to the
Servicer for the year ended November 30,
2002.
Class A Class B
------- -------
$1,250,000.00 $65,790.00
4. Available Credit Enhancement Amount
(a) The Amount available to be drawn from both
the shared and Class B portion of the Credit
Enhancement in accordance with the Pooling
and Servicing Agreement and its respective
Series Supplement as of the Distribution Date
prior to November 30, 2002.
Shared Amount Class B Amount
------------- --------------
$0.00 $59,210,550.00
(b) The amount set forth in paragraph (a) above
as a percentage of the Series Investor
Interest and the Class B Investor Interest.
Shared Amount Class B Amount
------------- --------------
0.00% 150.00%
93