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E-Sign Act Disclosure

NOTICE AND CONSENT REGARDING ELECTRONIC DELIVERY OF DISCLOSURES (E-SIGN)

This notice contains important information that you are entitled to receive before you consent to transact business with us electronically. Please read this notice carefully and print or download a copy for your files.

Description of Disclosures and Consent

We are required to provide certain disclosures to you in connection with the Young Money Prepaid Discover® Card enrollment contained on the Young Money Cards website, as well as certain additional disclosures regarding the Young Money Prepaid Discover Card account (the "Card account") issued by Sutton Bank. By consenting to the electronic delivery of disclosures, you agree that we may, provide electronically any and all communications regarding the card enrollment and the opening of the Card account (the "Disclosures"). These may include, in addition to other things, Disclosures pursuant to: the Equal Credit Opportunity Act and Regulation B; the Truth in Lending Act and Regulation Z; the Gramm-Leach-Bliley Act and Regulation P; and any other applicable federal, state or local law, or regulation. This consent applies to the receipt of electronic Disclosures with respect to this enrollment and the opening of the Card account

Paper Copies of Disclosures

To enroll and obtain a Card account issued by Sutton Bank online, you must agree to receive all information and disclosures regarding your card account electronically prior to submitting your enrollment. You agree to print out, download or otherwise store the Disclosures and other communications to keep for your records. If you consent to the electronic delivery of Disclosures and other documents, you may also receive a paper copy of any Disclosure provided to you electronically by writing us at Young Money Cardholder Services, 590 Missouri Avenue, Suite 201, Jeffersonville IN 47130 or calling us at 1-855-8YM-CARD (1-855-896-2273). There is a fee for the paper copy.

Withdrawing Consent to Electronic Delivery

You may withdraw your consent by exiting this website without completing and submitting your enrollment for the Young Money Prepaid Discover Card . If at any time after your card account is opened you wish to withdraw your consent, you may do so by sending us your request in writing to: Young Money Cardholder Services, 590 Missouri Avenue, Suite 201, Jeffersonville IN 47130 or calling us at 1-855-8YM-CARD (1-855-896-2273). If you decide to withdraw your consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures and other documents will not be affected. We also reserve the right to cancel this Card should you withdraw your consent.

Young Money Prepaid Discover Card

If at any time after your Card account is opened you wish to withdraw your consent, you may do so by sending us your request in writing to: Young Money Cardholder Services, 590 Missouri Avenue, Suite 201, Jeffersonville IN 47130 or calling us at 1-855-8YM-CARD (1-855-896-2273). If you decide to withdraw your consent, the legal effectiveness, validity and/or enforceability of prior electronic Disclosures and other documents will not be affected. We also reserve the right to cancel this Card should you withdraw your consent.

Hardware and Software Requirements

You must use a computer processor (CPU), monitor, modem with ISP access to the internet, or direct-dial up accessibility and a printer capable of printing text screens or hard drive capable of storing data. In addition, you must use an internet browser software that supports 128-bit encryption and you will need required software, such as Adobe Acrobat Reader and Word. [If you want to review additional information on the requirements for using this software and associated hardware requirements, go to www.adobe.com or www.microsoft.com]

Procedures to Update Your Records

It is your responsibility to provide us with a true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Card account(s), and to maintain and update promptly any changes in this information. Notify us of changes in such address by writing us at Young Money Cardholder Services, 590 Missouri Avenue, Suite 201, Jeffersonville IN 47130 or calling us at 1-855-8YM-CARD (1-855-896-2273).

CONSENT AND ACKNOWLEDGEMENT

By enrolling to the Young Money Prepaid Discover Card, you acknowledge and agree that:

  1. You have read the information about the use of electronic records to provide Disclosures and other communications, and the use of electronic signatures in connection with your enrollment and Card account;
  2. You consent to the use of electronic records to provide Disclosures and electronic signatures in connection with your enrollment and Card account in place of written documents and handwritten signatures.
  3. You are able to view this consent. You are also able to download and review files in Word and PDF format.
  4. You have internet access and you are able to send e-mail and receive e-mail with hyperlinks to websites.
  5. You are consenting as the owner of the Card account and on behalf of all other authorized users of the Card account. You are authorized to consent on their behalf.
  6. In completing the Young Money Prepaid Discover Card enrollment form, you are reasonably demonstrating that you can access the Disclosures and other documents in the form disclosed above.