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Electronic Communication Disclosure Information and

Consent

Disclosure Information About Using Electronic Communication

1.You need to be able to view Hyper Text Markup Language (HTML) files and read Adobe PDF files. To do this, you must have Adobe Acrobat Reader installed on your computer. It can be downloaded for free at www.adobe.com/products/acrobat/readstep2.html.

2.You need to have a computer with Internet access that supports the use of current versions of Microsoft Internet Explorer or Mozilla Firefox. You should also enable JavaScript in your browser. You need hardware as necessary to support this software.

3.You consent to receive electronic mail (email) and online communications and disclosures regarding your GoalSaver Account instead of by regular mail. Except as noted below or otherwise at our discretion, communications will not be furnished on paper. You represent to us that you have the necessary hardware and software, as stated above.

4.Your consent will apply to all information we send to you, or disclose or communicate to you online, relating to your GoalSaver Account , including required tax statements such as IRS Form 1099-INT. You agree that such information may be communicated online to you by posting notices, disclosures, statements, and other communications, including the annual privacy notice, on our website at https://www.SallieMae.com/banking, or by sending such information to you by email, including attachments or embedded links. Your consent also permits us to obtain your electronic signature if you choose to sign certain communications, such as account agreements or authorizations for recurring electronic funds transfers. If you do sign electronically, your electronic signature will bind you to the terms and conditions to the same extent as if you signed the communications on paper with an ink signature.

5.If you change your email address, you consent to sign into your online account and update your email address. For information that is required by law to be sent to you, such as IRS Form 1099-INT (if applicable), if we receive an electronic notice that an email is undeliverable due to an incorrect or inoperative email address, then we will resend such required information (such as IRS Form 1099-INT, if applicable) via U.S. Postal Service. Other communications will not be resent if we receive an electronic notice that the email is undeliverable due to an incorrect or inoperative email address.

6.You may obtain a paper copy of the electronic information by printing it from your computer. If you request a paper copy of a statement or other communication, we may, on occasion, comply with such request. The request for a paper statement will not by itself constitute a withdrawal of consent. If applicable, your IRS Form 1099-INT will remain available electronically for at least one year after the date it is originally made available to you electronically.

7. You may withdraw your consent to the receipt of electronic communications by contacting us at (877) 978-1710 or by writing to us at:

Sallie Mae Bank

175 S West Temple St., Ste. 600

Salt Lake City, UT 84101

Your withdrawal of consent will take effect five (5) days after we receive such request. Your withdrawal of consent will not apply to communications that were furnished electronically before the date on which the withdrawal of consent takes effect. For tax statements (such as IRS Form 1099-INT, if applicable) that were to be furnished electronically, we will confirm the withdrawal of consent and the date it takes effect by notifying you electronically, and will furnish the next tax statement (such as IRS Form 1099-INT, if applicable) via U.S. Postal Service.

8. If you withdraw your consent to receive electronic communications, we will terminate the relationship and close your GoalSaver Account(s), and return the current balance and any accrued interest to you via external linked account or check.

Version last updated on 11/30/2016

By checking this box, I agree to and have read and accept the E-Sign Disclosure above.

You must accept E-Sign terms and conditions.


The following disclosures are available in Adobe® PDF format. Click the links below to view/save each disclosure.

By clicking on the "Agree and Next Step" button below, I have read and accept the following disclosures and agreements below:


By clicking "Agree and Next Step", I acknowledge that if I am not already a Upromise member, an account will be opened for me. I accept the terms and conditions outlined in the Upromise Member Agreement, including the Consent to Electronic Disclosure provisions, acknowledge receipt of the Privacy Statement, and agree to receive annual notice, of, and amendments to, the Privacy Statement through the Upromise website. I represent that I am a person of legal age in the state in which I live.


You're going to love GoalSaver

  • Includes 0.85% APY.
  • Choose the frequency of your withdrawals: once a month or bi-weekly.
  • There is no better way to make a purchase than by using money you already have.
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Heads up!

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.

 

Terms of Use

Protecting your privacy

Avoid Online Fraud

© 2017 Upromise, Inc. All rights reserved. Upromise, the Upromise logo, and other Upromise names and logos are service marks or registered service marks of Upromise, Inc. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank or its subsidiaries. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Upromise, Inc., are not sponsored by or agencies of the United States of America.

 

Upromise GoalSaver Accounts are offered through Sallie Mae Bank, Member FDIC.

© 2017 Upromise, Inc. All rights reserved. Upromise, the Upromise logo, and other Upromise names and logos are service marks or registered service marks of Upromise, Inc. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank or its subsidiaries. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Upromise, Inc., are not sponsored by or agencies of the United States of America.

1 Cash rewards will post to Upromise GoalSaver Account(s) in the form of interest payments and is subject to taxable income rules. Each cash reward program is subject to individual eligibility requirements:
  • 10% Match on Upromise Rewards: To be eligible for the 10% annual match on your Upromise earnings from Upromise, you must link your Upromise GoalSaver Account to your Upromise Rewards Account and either: 1. Within 90 days of opening your Upromise GoalSaver Account, make your first of at least 10 credit/deposit transactions, initiated from your Upromise GoalSaver Account, into the Upromise GoalSaver Account and complete at least 10 credit/deposit transactions, initiated from your Upromise GoalSaver Account, within the anniversary year or 2. Within 90 days of opening your Upromise GoalSaver Account, fund your Upromise GoalSaver Account with $5,000 or more and maintain an average daily balance of $5,000 or more during the 12 months from Account opening. Should you fail to meet the requirements during the anniversary year, you will have the opportunity to become eligible for the 10% match in additional years if, by your anniversary date, you (a) link your Upromise GoalSaver Account to your Upromise Rewards Account, and (b), you either meet the $5,000 average daily balance minimum funding requirement, or you meet the 10 Upromise GoalSaver Account initiated credit/deposit requirement in the anniversary year. If you qualify for the 10% match based on having the average daily balance of $5,000 in your Upromise GoalSaver Account, you must maintain that average balance in your Upromise GoalSaver Account for the duration of the anniversary year for which your transferred earnings will be matched. Once you complete the steps above, Upromise will match 10% of your Upromise earnings that you transfer from your Upromise Rewards Account into your Upromise GoalSaver Account during each anniversary year. Your match will be deposited into your Upromise GoalSaver Account within 60 days after your anniversary date, provided that both Accounts remain active at time of transfer. Please refer to GoalSaver FAQs for additional information.
  • Annual Bonus: $10 Annual Bonus will post to your Upromise GoalSaver Account within 60 days of the completion of each anniversary from the date your Account was opened. To be eligible for the bonus each year, you must have a recurring deposit, initiated from your Upromise GoalSaver Account, post at least 10 out of the 12 months in an amount not less than $10 each deposit and your Account must be in an open status at the time of bonus posting.
  • Loyalty Bonus: $100 will post to your Upromise GoalSaver Account within 60 days of the completion of the 3rd year anniversary of when your Upromise GoalSaver Account was opened. To be eligible the Upromise GoalSaver Account must maintain at least $0.01 up until the day before the 3rd anniversary date, a $5,000 balance must be reached by and remain in the account on the 3rd anniversary date and the Upromise GoalSaver Account must be in an open status at the time of bonus posting.

  • We reserve the right to modify or discontinue features, benefits and services including cash rewards and bonuses at any time without notice. Other terms and conditions may apply. Upromise Rewards Accounts are not FDIC-insured, carry no bank guarantee and may lose value. Please visit Upromise.com for most up-to-date product features.
1 Statistic is from Sallie Mae's "How America Saves for College 2016" Annual Study.

2 Cash rewards will post to Upromise GoalSaver Account(s) in the form of interest payments and is subject to taxable income rules. Each cash reward program is subject to individual eligibility requirements:
  • 10% Match on Upromise Rewards: To be eligible for the 10% annual match on your Upromise earnings from Upromise, you must link your Upromise GoalSaver Account to your Upromise Rewards Account and either: 1. Within 90 days of opening your Upromise GoalSaver Account, make your first of at least 10 credit/deposit transactions, initiated from your Upromise GoalSaver Account, into the Upromise GoalSaver Account and complete at least 10 credit/deposit transactions, initiated from your Upromise GoalSaver Account, within the anniversary year or 2. Within 90 days of opening your Upromise GoalSaver Account, fund your Upromise GoalSaver Account with $5,000 or more and maintain an average daily balance of $5,000 or more during the 12 months from Account opening. Should you fail to meet the requirements during the anniversary year, you will have the opportunity to become eligible for the 10% match in additional years if, by your anniversary date, you (a) link your Upromise GoalSaver Account to your Upromise Rewards Account, and (b), you either meet the $5,000 average daily balance minimum funding requirement, or you meet the 10 Upromise GoalSaver Account initiated credit/deposit requirement in the anniversary year. If you qualify for the 10% match based on having the average daily balance of $5,000 in your Upromise GoalSaver Account, you must maintain that average balance in your Upromise GoalSaver Account for the duration of the anniversary year for which your transferred earnings will be matched. Once you complete the steps above, Upromise will match 10% of your Upromise earnings that you transfer from your Upromise Rewards Account into your Upromise GoalSaver Account during each anniversary year. Your match will be deposited into your Upromise GoalSaver Account within 60 days after your anniversary date, provided that both Accounts remain active at time of transfer. Please refer to GoalSaver FAQs for additional information.
  • Annual Bonus: $10 Annual Bonus will post to your Upromise GoalSaver Account within 60 days of the completion of each anniversary from the date your Account was opened. To be eligible for the bonus each year, you must have a recurring deposit, initiated from your Upromise GoalSaver Account, post at least 10 out of the 12 months in an amount not less than $10 each deposit and your Account must be in an open status at the time of bonus posting.
  • Loyalty Bonus: $100 will post to your Upromise GoalSaver Account within 60 days of the completion of the 3rd year anniversary of when your Upromise GoalSaver Account was opened. To be eligible the Upromise GoalSaver Account must maintain at least $0.01 up until the day before the 3rd anniversary date, a $5,000 balance must be reached by and remain in the account on the 3rd anniversary date and the Upromise GoalSaver Account must be in an open status at the time of bonus posting.

  • We reserve the right to modify or discontinue features, benefits and services including cash rewards and bonuses at any time without notice. Other terms and conditions may apply. Upromise Rewards Accounts are not FDIC-insured, carry no bank guarantee and may lose value. Please visit Upromise.com for most up-to-date product features.
2 Statistic is from Sallie Mae's "How America Saves for College 2016" Annual Study.
3 Advertised Annual Percentage Yield (APY) for the Upromise GoalSaver Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 12/1/2017. Fees could reduce earnings. Terms and Conditions Agreement for details.