E-SIGN Consent

Lambda Financial Technologies, Inc (referred to as “Klutch” or “we” or “us” or “our”) would like would like to correspond with you electronically regarding any and all accounts opened for you by Klutch and held at Stearns Bank, NA and inquiries in which you are the account owner, authorized signer, or authorized representative. In order to do so, your content to receive these communications via electronic means is required.

"You” and “your” means the individual(s) or entity giving this consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any service or product that you apply for, use or access.

Please read this Electronic Communication Disclosure (“Disclosure”) as it applies to all communications and disclosures for the products, services and accounts made available by Klutch and offered by and held at Stearns Bank, NA that are not otherwise governed by the terms and conditions of an electronic disclosure and consent (“Communication”). “Communication” means any customer agreements or amendments thereto, account statements, tax statements, disclosures, notice, 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.


By clicking the link available on the Klutch App which triggered the display of this Disclosure, you agree to receive Communication electronically and represent and warrant that you are able to open a PDF file.

Electronic Delivery of Communication

You agree that we may choose to make Communication available only in electronic format, to the extent allowed by law, and that we may discontinue sending paper Communication to you, unless and until you withdraw your consent as described below. All Communication that we provide to you in electronic form will be provided either:
(1) via email;
(2) by access to a website or mobile application that we will designate in an email notice we send to you at the time the information is available;
(3) to the extent permissible by law, by access to a website or mobile application that we will generally designate in advance for such purpose; or
(4) by requesting you download a PDF file containing the Communication.

We may not send you a paper copy of any Communication which is available electronically, unless you request it, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, email us at support@klutchcard.com or use the support chat in the Klutch App. We may charge you a reasonable service charge, of which we have provided you prior notice, for the delivery of the paper copies of any Communication provided to you electronically pursuant to this authorization.

Withdrawal of Electronic Acceptance of Communication

You may withdraw your consent to receive Communication in electronic form by emailing us at support@klutchcard.com or use the support chat in the Klutch App. At our discretion, we may treat your provision of an invalid email address, or subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communication. We will not impose any fee to process the withdrawal of your consent to receive electronic Communication. Any withdrawal of your consent to receive electronic Communication will be effective only after we have a reasonable period of time to process your withdrawal

How to Update Your Records

It is your responsibility to keep your primary email address current so that we can communicate with you electronically. It is also your responsibility to provide us with true, accurate and complete contact information including but not limited to e-mail address, contact, and other information related to your application for any account. You can update information, such as your primary email address, by emailing us at support@klutchcard.com or using the support chat in the Klutch App.

System Requirements to Access Information

In order to access and retain electronic Communication, you must have:
-  A valid email address
-  A personal computer, mobile, tablet or similar device with internet access and current browser software and computer software that is capable of receiving, accessing, displaying, and either printing or storing Communication received from us in electronic form
-  Sufficient storage space to save Communication (whether presented online, in e-mails or PDF) or the ability to print Communication if you wish to print out and retain records on paper

Federal Law

You acknowledge and agree that your consent to electronic Communication 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 "E-Sign 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.


We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communication, or to terminate or change the terms and conditions on which we provide Communication. We will provide you with notice of any such termination or change as required by law.

Contact Information

To receive paper copies of Communication, for assistance to open the Communication, to update your contact information, or to withdraw your consent, please email us at support@klutchcard.com or use the support chat in the Klutch App.