EXHIBIT 31



                                 CERTIFICATIONS

I, Michael F. Rickert, certify that:

1.       I have reviewed this annual report on Form 10-K/A, and all reports on
         Form 8-K containing distribution or servicing reports filed in respect
         of periods included in the year covered by this annual report, of
         Discover Card Master Trust I;

2.       Based on my knowledge, the information in these reports, taken as a
         whole, does not contain any untrue statement of a material fact or omit
         to state a material fact necessary to make the statements made, in
         light of the circumstances under which such statements were made, not
         misleading as of the last day of the period covered by this annual
         report;

3.       Based on my knowledge, the distribution and servicing information
         required to be provided to the trustee by the servicer under the
         pooling and servicing agreement is included in these reports;

4.       I am responsible for reviewing the activities performed by the servicer
         under the pooling and servicing agreement and based upon the review
         required under the pooling and servicing agreement, and except as
         disclosed in the report, the servicer has fulfilled its obligations
         under the servicing agreement; and

5.       I have disclosed to the registrant's certified public accountants all
         significant deficiencies relating to the servicer's compliance with the
         minimum servicing standards in accordance with a review conducted in
         compliance with the Uniform Single Attestation Program for Mortgage
         Bankers or similar standard as set forth in the pooling and servicing
         agreement.


Dated:  December 3, 2003           By: /s/ Michael F. Rickert
                                   ---------------------------------------------
                                   Michael F. Rickert,
                                   Vice President, Chief Accounting Officer and
                                   Treasurer of Discover Bank, Master Servicer
                                   and Servicer of Discover Card Master Trust I