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DISCOVER CARD EXECUTION NOTE TRUST Issuer and U BANK TRUST COMPANY, NATIONAL ASSOCIATION Indenture Trustee CLASS A(2022-3) TERMS DOCUMENT Dated as of August 9, 2022 to SECOND AMENDED AND RESTATED INDENTURE SUPPLEMENT Dated as of December 22, 2015 for the DiscoverSeries Notes to AMENDED AND RESTATED INDENTURE Dated as of December 22, 2015 WASHINGTON—The Office of the Comptroller of the Currency (OCC) today assessed a $15 million civil money penalty against U Bank, National Association, Cincinnati, Ohio, for violations of law relating to the bank's administration of a prepaid card program to distribute public unemployment insurance benefit payments. or otherwise contributed to by US Bank or associated companies. Use resources to estimate how changing your loan payment can impact your payoff date, payoff amount or build equity. 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