DISCOVER BANK; Discover Financial Services, Incorporated, Plaintiffs-Appellees, v. Betty E. VADEN, Defendant-Appellant, v. Federal Deposit Insurance Corporation, Amicus Curiae. John R. Kucan, Jr.; Terry Coates, Amici Curiae. No. 06-1221.United States Court of Appeals, Fourth Circuit.Argued: November 29, 2006. Decided: June 13, 2007. Appeal from the United States District Court for the District of Maryland, William […]