Mission Lane

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

I am applying to Transportation Alliance Bank, Inc. dba TAB Bank, Ogden, UT, the creditor on the Account and issuer of the credit card, through Mission Lane LLC, its servicer, to obtain a credit card account.

With respect to this application, I acknowledge that:

Approval is based upon satisfying the applicable credit standards.
Any delinquencies and default history I may have may be considered in determining my creditworthiness.
Mission Lane LLC ("Mission Lane") may contact me to obtain or confirm application information. Mission Lane's decision to contact me may be based on my creditworthiness.
I authorize Mission Lane to check my credit and employment history, verify my identification, and answer questions about its credit experience with me.
I may be required to submit proof of income, and my application will be incomplete until I submit proof of income to support the income stated on my application.
If I am approved, Mission Lane may contact me from time to time regarding my Card and Account as described in my Cardholder Agreement. For example, when I provide my telephone number, I expressly consent to receive calls and messages, including prerecorded messages, at that number from Mission Lane and its authorized agents, including with an automatic telephone dialer.
If I accept or use an Account, I do so subject to the terms of this application and the Cardholder Agreement, together with any amendments thereto, and agree to pay and/or to be held jointly and severally liable for all charges incurred under the Cardholder Agreement.
The terms of this application may not be applied to any other existing credit card accounts with Mission Lane.
TAB Bank and Mission Lane will retain my application whether or not it is approved.
Unless the application discloses a specific credit line, the exact amount of my credit line will be determined after review of my application and other information.
An applicant, if married, may apply for a separate account.
All information I provided in my application is true and correct to the best of my knowledge.

By applying, I understand that I am not eligible for a credit card account if:

My application is missing required information or the information is unreadable, inaccurate or cannot be verified.
My address is: (a) outside of the 50 United States; (b) a U.S. military location; or (c) a correctional institution.
I do not have an identification document issued by a domestic governmental entity.
My monthly income (which is my disclosed total annual income divided by 12) does not exceed my monthly rent/mortgage payment and it is determined that I am not able to make my monthly payments based on income, estimated living expenses and other debt I am responsible for.
I am under 18 years of age (or the applicable age of majority where I reside) or do not have a valid Social Security Number or Individual Taxpayer Identification Number.
I have previously applied and been declined for any credit card with Mission Lane in the last 60 days.
I have a credit card account with Mission Lane.
I have had a credit card with Mission Lane that has been charged off within the past year.
I have a non-discharged bankruptcy (one that is still unresolved).

Application Agreement

This application is for the Mission Lane Visa® credit card issued by Transportation Alliance Bank, Inc. dba TAB Bank, Ogden, UT.

You certify that all information provided is true, correct, and complete and that you have read the Cardholder Agreement and Credit Card Account Opening Disclosure (collectively the "Agreement"), which may be accessed at www.missionlane.com. You certify that you have the legal capacity to agree to the terms below and in the Agreement. You authorize us, Mission Lane LLC on behalf of TAB Bank, to verify or check any of the information you provided and to obtain credit bureau reports on you that we will use when considering your application for credit. To approve or decline this application, service your account, or manage our relationship with you, you authorize us to obtain information from others to investigate your credit, employment, income history, and state records, including state employment security agency records, and to report information regarding your account to consumer reporting agencies. You acknowledge that we will determine the amount of credit extended based on our review criteria. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize us to offer you the product and pricing for which you do qualify. You agree to be bound by the terms and conditions of the Agreement and this Application Agreement, and understand that the terms of your account may be changed at any time, subject to applicable law. You acknowledge that the rights under the Agreement will be subject to the terms of the Arbitration Agreement described in the Agreement. You understand and agree that you will be liable for payment of all amounts owing on the account.

The minimum credit limit, provided you meet these terms and conditions, is $300. A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review, or collection of the account. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. If you are a married applicant, you may apply for credit in your own name.

State Laws Require the Following Notices:

California Residents: A married applicant may apply for a separate account. After approval, each applicant shall have the right to use this account to the extent of the credit limit set by the creditor and each applicant may be liable for the amount extended under this account to any joint applicant.

Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

New York Residents: New York residents may contact the New York State Department of Financial Services at 1-800-342-3736 to obtain a comparative listing of credit card rates, fees and grace periods.

Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit report may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

VT Residents: We will not share information we collect about Vermont residents with companies outside of Mission Lane LLC except as permitted by law or the Vermont resident consents. For information on how the issuing bank manages your personal information, please refer to the bank's privacy notice or the applicable bank website.

Wisconsin Residents: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital property agreement, unilateral statement or court decree adversely affects a creditor's interest unless, prior to the time the credit is granted, the creditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision.

By clicking on the "Get your answer," I am acknowledging that I have read and agree to the Application Agreement and all of the terms and conditions, and representations made above, authorizing you to check my credit and employment history. I am consenting to receive by electronic means only, including through the email address provided to you, notice of the decision on my application as well as account details regarding rates, fees and other costs related to the credit card for which I am applying.