‍Mission Lane U.S. Electronic Communications Disclosure and Consent

Electronic Communications
Disclosure and Consent

Revised July 22, 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, operated or made available by or accessible through the Online Service, or a mobile application (“Mobile App”) or mobile website (collectively, the “Services”), 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 subsidiaries, affiliates, agents and assigns, including but not limited to Sutton Bank (“Sutton Bank”), issuer of your debit card, and Mission Lane LLC (“Mission Lane”), the operator of the Mobile App and Mission Lane website, and servicer of your Account. The words “you” and “your” mean you, the individual identified on the Account or otherwise using the Mission Lane Mobile App, Mission Lane website, or any product or service offered by or through Mission Lane. As used in this E-Consent, “Account” means the account(s) you have with us now or in the future. “Communication” means any customer agreements or amendments thereto, disclosures, notices, documents and all other communications 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. 

1. Scope of Communications to Be Provided in Electronic Form.‍

By choosing to use the Mission Lane website, Mobile App or the Services, you agree that we may provide you with any Communications in electronic format unless and until you withdraw your consent as described below. You agree that we have no obligation to provide you Communications in paper format, but we reserve the right to do so at any time. Your consent to receive electronic Communications and transactions includes, but is not limited to:

• All legal and regulatory disclosures and communications associated with the Account or the product or service you obtain from us. As an example, Mission Lane may send by e-mail legally required notification of changes to terms and conditions related to your Account(s) or the Online Service.
• Notices or disclosures about a change in the terms of your Account or associated payment feature and responses to claims.
• Privacy policies and notices
• Other Communications we may include from time to time regarding other products and services offered by or through Mission Lane. These Communications may include, but are not limited to, marketing documentation and documentation required to be provided to you pursuant to regulatory rules, such as privacy notices and other important information regarding your Account.

2. Method of Providing Communications to You in Electronic Form.‍

The benefits of our Services are only available online and, as such, we need your consent to receive Communications electronically. 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 App, 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 1-855-791-2488. In addition to the above-mentioned telephone number, you may withdraw your consent to receive electronic Communications by writing to us at:
P.O. Box 105313, Atlanta, GA 30348-5313

If you withdraw your consent, we reserve the right to limit or close your Account; however, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected.

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 1-855-791-2488.

5. Hardware and Software Requirements.‍

In order to access, view, and retain electronic Communications from us, you must have:

• An up-to-date Internet browser that we support to access your Account through the Online Service or if accessing your Account through our mobile applications, one of the following mobile operating systems: Apple iOS 8.0 or later or Android OS 4.0 or later;
• Local, electronic storage capacity to view and retain our Communications and/or a printer to print them;
• A valid e-mail account and software to access it;
• An up-to-date device or devices (e.g., computer, smartphone, mobile device, tablet, etc.) suitable for connecting to the Internet or for downloading our mobile applications or accessing our mobile websites;
• Software that enables you to view files in the Portable Document Format ("PDF").

6. 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.

7. 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.

8. 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.

9. Acceptance and Consent.‍

By consenting to this E-Consent, you agree to the following statements:

I have read, understand and agree to be bound by the terms and conditions described above and consent to receive electronic Communications according to the process described above. I understand that I may incur costs, including but not limited to online time and other charges from my internet service provider, in accessing and/or viewing such document(s).

I understand and agree that: (i) certain documents may continue to be delivered to me via U.S. Mail that are not included in the Paperless Statements program and that in the future some or all of these documents may be made available for me to view electronically in accordance with this E-Consent; (ii) my consent to view documents electronically does not automatically expire and is not limited as to duration; (iii) the entity or entities with which I have my Account(s) and/or their agents may revoke my participation in the Paperless Statements program at any time at their discretion; (iv) neither entity or entities with which I have my Account(s), nor their agents will be liable for any loss, liability, cost, expense, or claim for acting upon this authorization or arising from my use of the product or services provided pursuant to this E-Consent; and (v) inserts that may be provided along with my account statements contain important information or disclosures concerning my Account and I agree to review such inserts in a timely manner.