December 9, 2021
Please read this information carefully and print a copy and/or retain this information for future reference.
This Electronic Communications Disclosure and Consent (“E-Consent”), applies to all Communications for those products, services and Accounts offered or accessible through the Online Service, or a mobile application or mobile website used to access the Online Service, that are not otherwise governed by the terms and conditions of an electronic disclosure and consent.
The words “we,” “us,” and “our” refer to the entity with which you have your Account and its affiliates, including but not limited to Transportation Alliance Bank, Inc. dba TAB Bank (“TAB Bank”), the creditor on your credit card account and/or Credit Builder Loan Account and/or the issuer of your credit card, as applicable, and Mission Lane LLC (“Mission Lane”), the servicer of your Account. The words “you” and “your” mean you, the individual or entity identified on the Account. As used in this E-Consent, “Account” means the account(s) you have with us now or in the future, including ones that you open through the Online Service. “Communication” means any customer agreements or amendments thereto, monthly billing or account statements, tax statements, disclosures, prospectuses, trade confirmations, notices, responses to claims, transaction history, privacy policies and all other information related to the product, service or Account, including but not limited to information that we are required by law to provide to you in writing. “Online Service” means the Mission Lane website and any associated websites.
1. Scope of Communications to Be Provided in Electronic Form.
You agree that we may provide you with any Communications in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic Communications and transactions includes, but is not limited to:
Your consent to receive electronic Communications does not automatically enroll you in Paperless Statements.
You must separately confirm that you would like to stop receiving paper account statements (and any other types of Communications we may include in Paperless Statements).
2. Method of Providing Communications to You in Electronic Form.
All Communications that we provide to you in electronic form will be provided by one or more of the following methods: (1) via e-mail, (2) by access to a website, including our mobile websites, that we will designate in an e-mail notice we send to you at the time the information is available, (3) to the extent permissible by law, by access to a website, including our mobile websites, that we will generally designate in advance for such purpose, (4) via our mobile applications, or (5) by requesting you download a PDF file containing the Communication.
3. How to Withdraw Consent.
You may withdraw your consent to receive Communications in electronic form by contacting us at (855) 790-8860 or, for Paperless Statements or tax documents, by changing your delivery preferences within the Online Service. In addition to the above-mentioned telephone number, you may withdraw your consent to receive electronic Communications by writing to us at:
Mission Lane LLC
P.O. Box 105286
Atlanta, GA 30304
If you choose to withdraw your consent, you will no longer receive electronic Communications and we will begin sending you paper Communications via U.S. Mail, subject to section 6 below. At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.
4. How to Update Your Records.
It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this E-Consent and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through the Online Service or by contacting us at (855) 790-8860.
5. Hardware and Software Requirements.
In order to access, view, and retain electronic Communications from us, you must have:
6. Requesting Paper Copies.
To request a paper copy, please contact us by telephone at (855) 790-8860 or in writing to Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30304. We reserve the right to charge you a reasonable service charge of $1.00 per request, which we have provided you prior notice, for the delivery of paper copies of any Communication provided to you electronically pursuant to this E-Consent. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.
7. Communications in Writing.
All Communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this E-Consent and any other Communication that is important to you.
8. Federal Law.
You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (the “Act”), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
9. Termination and Changes.
We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
10. Acceptance and Consent.
By consenting to this E-Consent, you agree to the following statements: