b'Interest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n15.75%. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Balance Transfers\n\n15.75% This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Cash Advances\n\n15.75% This APR will vary with the market based on the\nPrime Rate.\n\nPenalty APR and When It Applies\n\n23%. This APR will vary with the market based on the Prime\nRate.\nThis APR may be applied to your\naccount if you:\n1. Make a payment that is late 60\ndays or more\n2. Go over your credit line.\n3. Make a payment that is\nreturned; or\n4. Do any of the above on another\naccount that you have with us.\n\nPaying Interest\n\nMinimum Interest Charge\n\nHow Long Will the Penalty APR\nApply? If we increase your APRs\ndue to a late payment, we may\nkeep them at this higher level on\nexisting and new balances until you\nmake six consecutive on-time\npayments. If we increase your\nAPRs for any other reason, we\nmay keep them at this higher level\non new balances indefinitely.\n\nYour due date is at least 25 days after the close of each billing period\n(at least 23 days for billing periods that begin in February). We will not\ncharge you any interest on purchases if you pay your entire balance\nby the due date each month. We will begin charging interest on cash\nadvances and balance transfers as of the later of the transaction date\nor the first day of the billing period in which the transaction posted to\nyour Account.\nIf you are charged interest, the charge will be no less than $2.00.\n\nFees\nAnnual Fee\nBalance Transfer Fee\nCash Advance Fee\nLate Fee\nReturned Payment Fee\n\nNone\n3% of the amount of each transfer.\nEither $10 or 5% of the amount of each cash advance, whichever is\ngreater.\nNone the first time you pay late. After that, up to $35.\nUp to $35.\n\nHow We Will Calculate Your Balance: We will use a method called \xe2\x80\x9cdaily balance (including current transactions)\xe2\x80\x9d.\nSee the Cardmember Agreement for details.\n\nShopping for and using credit cards: Information concerning shopping for and using credit cards can be\nfound at www.consumerfinance.gov/learnmore\nInformation on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\n\n\x0cThank you for choosing Dart Bank. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this\nAgreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We\nhave included a \xe2\x80\x9cDefinitions\xe2\x80\x9d section for your reference on page 4.\n\nACCEPTANCE OF AGREEMENT\nYou accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you\nor an Authorized User use the Account. You may, however, reject the \xe2\x80\x9cArbitration of Disputes\xe2\x80\x9d section as explained in that section.\n\nCHANGES TO YOUR AGREEMENT\nThe rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required\nby law, we will give you advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest\ncharge prohibited by law.\n\nUSING YOUR ACCOUNT\nPermitted Uses\nAuthorized Users\nJoint Accounts\nChecks\nCredit\nAuthorizations\nCredit Lines\n\nYou may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions.\nYou may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an\nAuthorized User to use your Account.\nIf your Account is a joint Account\xe2\x80\xa2 each of you agrees to be liable individually and jointly for the entire amount owed on the\nAccount; and\xe2\x80\xa2 any notice we mail to an address provided by either of you for the Account will serve as notice to both of you.\nIf we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash\nAdvance. You may not use these Checks to pay any amount you owe us.\nWe may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a\ntransaction or if anyone refuses your Card, Check or Account number.\nWe will tell you what your Account credit line is. You\nfor Cash Advances. We may increase or decrease your Account\nmust keep your Account balance below your Account\ncredit line or your Cash Advance credit line without notice. We\ncredit line. If you do not, we may request immediate\nmay delay increasing your available credit by the amount of any\npayment of the amount by which you exceed it. We may\npayment that we receive for up to 10 business days.\nestablish a lower credit line\n\nFEES (See your Pricing Schedule for Additional Fees)\nLate Fee\n\nReturned Payment\nFee\n\nReturned Check Fee\n\nWe will not charge a Late Fee the first time you do not make the Minimum Payment Due by the Payment Due Date. After\nthat, if you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee. The fee is $25 if\nyou were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never\nexceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed.\nIf you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if\nthe payment is honored after we re-submit it. The fee is $25 if you were not charged a Returned Payment Fee during any of\nthe prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due\nimmediately prior to the date on which the payment was returned to us.\nWe will charge you a Returned Check Fee each time we decline to honor a Check. The fee is $25 if you were not charged a\nReturned Check Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the\namount of the Check.\n\nANNUAL PERCENTAGE RATES (\xe2\x80\x9cAPRs\xe2\x80\x9d) (See your Pricing Schedule for the APRs that apply to your Account)\nVariable APRs\n\nYour Pricing Schedule may include variable APRs. These\nAPRs are determined by adding the number of\npercentage points that we specify to the Prime Rate.\nVariable APRs will increase or decrease when the Prime\nRate changes. The APR change\n\nwill take effect on the first day of the billing period that begins\nduring the same calendar month that the Prime Rate changes.\nAn increase in the APR will increase your interest charges and\nmay increase your Minimum Payment Due.\n\n\x0cMAKING PAYMENTS\nPayment\nInstructions\n\n\xe2\x80\xa2 You must pay us in U.S. dollars. All checks must be\ndrawn on funds on deposit in the U.S.\n\xe2\x80\xa2 You must pay us for all amounts due on your Account.\nThis includes charges made by Authorized Users.\n\xe2\x80\xa2 We may refuse to accept a payment in a foreign\ncurrency. If we do accept it, we will charge your Account\nour cost to convert it to U.S. dollars.\n\nother restrictive endorsement without losing any of our\nrights under this Agreement.\n\xe2\x80\xa2 We credit your payments in accordance with the terms\ncontained on your billing statement.\n\xe2\x80\xa2 If you mail your payment to an address other than the\naddress designated on your billing statement, there may be a\ndelay in processing and crediting the payment to your Account.\n\n\xe2\x80\xa2 We can accept late payments, partial payments or\npayments marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with any\nMinimum Payment\nDue\n\nHow We Apply\nPayments\n\nYou may pay the entire New Balance shown on your\nbilling statement at any time. Each billing period you must\npay at least the Minimum Payment Due by the Payment\nDue Date shown on your billing statement. The Minimum\nPayment Due will be the greater of:\xe2\x80\xa2 $20; or\n\xe2\x80\xa2 Any amount past due plus the greater of:\n\xe2\x80\x93 3% of the New Balance shown on your billing statement\n(excluding any Interest Charges and Late Fee shown on\nyour billing statement); or \xe2\x80\x93 any Interest\nWe apply payments and credits at our discretion,\nincluding in a manner most favorable or convenient for\nus. In all cases, we will apply payments and credits as\nrequired by applicable law.\n\nCharges and Late Fee shown on your billing statement, plus\n$15 (not to exceed 4% of the New Balance).\nThe Minimum Payment Due may also include amounts by\nwhich you exceed your Account credit line. It will never exceed\nthe New Balance. When we calculate the Minimum Payment\nDue, we may subtract from the New Balance certain fees\nadded to your Account during the billing period. The Minimum\nPayment Due is rounded up to the nearest dollar.\n\nWe calculate interest charges each billing period by first\nfiguring the \xe2\x80\x9cdaily balance\xe2\x80\x9d for each Transaction\nCategory. Transaction Categories include standard\nPurchases, standard Cash Advances and different\npromotional balances, such as Balance Transfers.\nHow We Figure the Daily Balance for Each\nTransaction Category\n\xe2\x80\xa2 We start with the beginning balance for each day. The\nbeginning balance for the first day of the billing period is\nyour balance on the last day of your previous billing\nperiod.\n\xe2\x80\xa2 We add any interest charges accrued on the previous\nday\xe2\x80\x99s daily balance and any new transactions and fees.\nWe add any new transactions or fees as of the later of the\nTransaction Date or the first day of the billing period in\nwhich the transaction or fee posted to your Account.\n\xe2\x80\xa2 We subtract any new credits and payments.\n\xe2\x80\xa2 We make other adjustments (including those\nadjustments required in the \xe2\x80\x9cPaying Interest\xe2\x80\x9d section).\nWhen Interest Charges Begin We begin to impose\ninterest charges on a transaction, fee or interest charge\nfrom the day we add it to the daily balance. We continue\nto impose interest charges until you pay the total amount\nyou owe us. You can avoid paying interest on\nPurchases as described below. However, you cannot\navoid paying interest on Balance Transfers or Cash\nAdvances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace\nPeriod\xe2\x80\x9d)If you paid the New Balance on your previous\n\nHow We Figure Your Total Interest Charges\n\xe2\x80\xa2 We multiply the daily balance for each Transaction Category\nby its daily periodic rate. We do this for each day in the billing\nperiod. This gives us the interest charges for each Transaction\nCategory. To get a daily periodic rate, we divide the APR that\napplies to the Transaction Category by 365.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total\ninterest charge for the billing period.\nHow We Include Fees\nWe add Balance Transfer Fees to the applicable Balance\nTransfer Transaction Category. We add Cash Advance Fees to\nthe applicable Cash Advance Transaction Category. We add\nall other fees to the standard Purchase Transaction Category.\n\nEach billing period, we will generally apply amounts you pay\nthat exceed the Minimum Payment Due to balances with\nhigher APRs before balances with lower APRs as of the date\nwe credit your payment.\n\nINTEREST CHARGES\nHow We Calculate\nInterest Charges\xe2\x80\x94\nDaily Balance\nMethod (including\ncurrent\ntransactions)\n\nPaying Interest\n\nbilling statement by the Payment Due. Date shown on that billing\nstatement, we will not impose interest charges on new\nPurchases, or any portion of a new Purchase, paid by the\nPayment Due Date on your current billing statement. New\nPurchases are Purchases that first appear on the current billing\nstatement.\nHow We Apply Payments May Impact Your Grace Period If\nyou do not pay your New Balance in full each month, then,\ndepending on the balance to which we apply your payment, you\nmay not get a grace period on new Purchases.\n\n\x0cOTHER IMPORTANT INFORMATION\nDefault\n\nYou are in default if:\n\xe2\x80\xa2 you file bankruptcy or another insolvency proceeding is\nfiled by you or against you;\n\xe2\x80\xa2 we have a reasonable belief that you are unable or\nunwilling to repay your obligations to us;\n\xe2\x80\xa2 you die or are legally declared incompetent or\nincapacitated;\n\n\xe2\x80\xa2 you fail to comply with the terms of this Agreement or any\nAgreement with us or an Affiliate, including failing to make a\nrequired payment when due, exceeding your Account credit line\nor using your Card or Account for an illegal transaction.\nIf you are in default, we may declare the entire balance of your\nAccount immediately due and payable without notice.\n\nCollection Costs\nMerchant\nDisputes\n\nBilling\nDisputes\n\nIf we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include\nreasonable attorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nIf you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a\ncredit to your Account. You assign to us your claim for the credited amount against the merchant and/or any third party. At our request, you\nagree to provide this assignment in writing.\n\nIf you think there is an error on your statement? You may write to us at: Dart Bank, 368 S. Park St. Mason MI 48854 or may email us at\nwww.dartbank.com. In your letter please provide the following information; your name and account number, the dollar amount of the\nsuspected error, and a description of what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days\nafter the error appears on your statement. You must notify us of any potential errors in writing, or electronically. You may call us, but if you\ndo we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate While we\ninvestigate whether or not there has been an error, we cannot try to collect the amount in question, or report you as delinquent on that\namount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we\ndetermine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid\namount against your credit limit.\n\nAutomatic Billing\nArrangements\nOur Privacy Policy\n\nReporting to Credit\nReporting Agencies\n\nOur\nCommunications\nwith You\n\nUnauthorized Use\n\nCancellation of Your\nAccount\nPurchases and\nCash Advances in\nForeign Currencies\n\nYou may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us\nto provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish\nto stop automatic billing.\nWe send you our Privacy Policy when you open your \xe2\x80\xa2 how we safeguard its confidentiality and security;\nAccount\nand\nannually.\nContact\nus\nor\nvisit \xe2\x80\xa2 when it may be shared with others; and\nwww.dartbank.com if you would like a copy. Please read \xe2\x80\xa2 how you can limit our sharing of this information.\nit carefully. It summarizes:\n\xe2\x80\xa2 the personal information we collect;\nWe may from time to time review your credit, employment If you believe that information we reported is inaccurate or\nand income records. We may report the status and incomplete, please write us at Dart Bank 368 S. Park St. PO\npayment history of your Account to credit reporting Box 40 Mason, MI 48854. Please include your name, address,\nagencies and other creditors. We normally report to credit home phone number and Account number.\nreporting agencies each month.\nYou agree that we (and our affiliates, agents, and you at. We may contact you in any way, such as calling, texting,\ncontractors) may monitor or record any calls between you or e-mail. We may contact you using an automated dialer or\nand us. If we need to contact you to service your Account using pre-recorded messages. We may contact you on a mobile,\nor to collect amounts you owe to us, you authorize us wireless, or similar device, even if you are charged for it by your\n(and our affiliates, agents, and contractors) to contact you provider.\nat any number (i) you have provided to us (ii) from which\nyou called us, or (iii) which we obtained and believe we\ncan reach\nYou must notify us immediately if:\n\xe2\x80\xa2 your Card is lost or stolen; or\n\xe2\x80\xa2 you believe someone is using your Account or a Card without your permission.\n\xe2\x80\xa2 You may cancel your Account. You will remain responsible for any amount you owe us under this Agreement.\n\xe2\x80\xa2 Any joint Accountholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts\nowed.\nIf you make a Purchase or Cash Advance in a foreign depending on the country and currency in which the transaction\ncurrency, we will convert it to U.S. dollars using a rate we is made. We use the rate in effect on the conversion date for the\nchoose. This rate will either be a government-mandated transaction. This rate may be different than the rate in effect on\nrate, a government-published rate or the interbank the Transaction Date for the transaction.\nexchange rate,\n\n\x0cGoverning Law\n\nThis Agreement is governed by applicable federal law and by Michigan law.\n\nSeverability\n\nIf any part of this Agreement is found to be invalid, the rest of it will still remain in effect. However, if the Class Action Waiver\nin the \xe2\x80\x9cArbitration of Disputes\xe2\x80\x9d section is invalidated in any proceeding in which you and we are involved, then the \xe2\x80\x9cArbitration\nof Disputes\xe2\x80\x9d section will be void with respect to that proceeding.\nWe may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them.\n\nEnforcing this\nAgreement\nAssignment of\nAccount\n\nWe may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer\nyour Account without first obtaining our prior written consent.\n\nCONTACT US\nUnless we tell you otherwise, you can notify us:\n\xe2\x80\xa2 by phone at 1-800-347-3085 or\n\xe2\x80\xa2 in writing to Dart Bank, 368 S. Park ST. PO Box 40\nMason MI. 48854\n\nWhen writing, please include your name, address, home phone\nnumber and Account number. You must contact us within 15\ndays after changing your e-mail address, mailing address or\nphone number.\n\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Dart Bank card account.\n\xe2\x80\x9cAffiliate\xe2\x80\x9d means our parent corporations, subsidiaries\nand affiliates.\n\xe2\x80\x9c Authorized User\xe2\x80\x9d means any person you authorize to\nuse your Account or a Card, whether you notify us or not.\n\xe2\x80\x9c Balance Transfer\xe2\x80\x9d means a balance transferred from\nanother creditor to your Account.\n\xe2\x80\x9c Card\xe2\x80\x9d means any one or more Dart Bankcards issued to\nyou or someone else with your authorization.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means the use of your Account to:\n\xe2\x80\xa2 obtain cash from participating automated teller machines,\nfinancial institutions or other locations;\n\xe2\x80\xa2 purchase lottery tickets, money orders, casino chips,\nforeign currency or similar items.\n\n\xe2\x80\x9cCheck\xe2\x80\x9d means any check we send to you to access your\nAccount.\n\xe2\x80\x9c Pricing Schedule\xe2\x80\x9d means the document entitled, \xe2\x80\x9cPricing\nSchedule\xe2\x80\x9d, which lists the APRs that apply to your Account and\nother important information.\n\xe2\x80\x9c Prime Rate\xe2\x80\x9d means the highest rate of interest listed as the\nU.S. Prime rate in the Money Rates section of The Wall Street\nJournal on the last business day of the month.\n\xe2\x80\x9c Purchase\xe2\x80\x9d means the use of your Account to purchase or\nlease goods or services at participating merchants.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to Dart Bank, the issuer of your\nCard.\n\xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d or \xe2\x80\x9cyours\xe2\x80\x9d refer to you and any other person(s)\nwho are also contractually liable under this Agreement.\n\xe2\x80\x9cTransaction Date\xe2\x80\x9d means the date shown on your billing\nstatement for a transaction or fee.\n\nDEFINITIONS\n\n\x0cARBITRATION\nAgreement to arbitrate. In the event of a dispute\nbetween you and us arising under or relating to\nthis Account, either may choose to resolve the\ndispute by binding arbitration, as described\nbelow, instead of in court. Any claim (except for a\nclaim challenging the validity or enforceability of\nthis arbitration agreement, including the Class\nAction Waiver) may be resolved by binding\narbitration if either side requests it. THIS MEANS\nIF\nEITHER\nYOU\nOR\nWE\nCHOOSE\nARBITRATION, NEITHER PARTY SHALL HAVE\nTHE RIGHT TO LITIGATE SUCH CLAIM IN\nCOURT OR TO HAVE A JURY TRIAL. ALSO\nDISCOVERY AND APPEAL RIGHTS ARE\nLIMITED IN ARBITRATION.\nCLASS ACTION WAIVER. ARBITRATION MUST\nBE ON AN INDIVIDUAL BASIS. THIS MEANS\nNEITHER YOU NOR WE MAY JOIN OR\nCONSOLIDATE CLAIMS IN ARBITRATION BY\nOR AGAINST OTHER CARDMEMBERS, OR\nLITIGATE IN COURT OR ARBITRATE ANY\nCLAIMS AS A REPRESENTATIVE OR MEMBER\nOF A CLASS OR IN A PRIVATE ATTORNEY\nGENERAL CAPACITY.\nOnly a court, and not an arbitrator, shall\ndetermine the validity and effect of the Class\nAction Waiver. Even if all parties have opted to\nlitigate a claim in court, you or we may elect\narbitration with respect to any claim made by a\nnew party or any new claims later asserted in that\nlawsuit.\nYour Right to Go To Small Claims Court. We will\nnot choose to arbitrate any claim you bring in\nsmall claims court. However, if such a claim is\ntransferred, removed or appealed to a different\ncourt, we may then choose to arbitrate.\nGoverning Law and Rules. This arbitration\nagreement is governed by the Federal Arbitration\nAct (FAA). Arbitration must proceed only with the\nAmerican Arbitration Association (AAA) or JAMS.\nThe rules for the arbitration will be those in this\narbitration agreement and the procedures of the\nchosen arbitration organization, but the rules in\nthis arbitration agreement will be followed if there\nis disagreement between the agreement and the\norganization\xe2\x80\x99s procedures. If the organization\xe2\x80\x99s\nprocedures change after the claim is filed, the\nprocedures in effect when the claim was filed will\n\napply. For a copy of each organization\xe2\x80\x99s\nprocedures, to file a claim or for other information,\nplease contact:\n\xe2\x80\xa2 AAA at 1101 Laurel Oak Rd., Voorhees, NJ\n08043, www.adr.org (phone 1-877-495-4185) or\n\xe2\x80\xa2 JAMS at 620 Eighth Ave., Floor 34, New York,\n\xe2\x80\xa2 AAA at 1101 Laurel Oak Rd., Voorhees, NJ\n08043, www.adr.org (phone 1-877-495-4185) or\n\xe2\x80\xa2 JAMS at 620 Eighth Ave., Floor 34, New York,\nNY 10018, www.jamsadr.com (phone 1-800-3525267).\nIf both AAA and JAMS are completely\nunavailable, and if you and we cannot agree on a\nsubstitute, then either you or we may request that\na court appoint a substitute.\n\noriginal award issues. The appealing party pays\nall appellate costs unless the appellate panel\ndetermines otherwise as part of its award.\nAny arbitration award may be enforced\n(such as through a judgment) in any court\nwith jurisdiction\n\nFees and Costs. If you wish to begin an\narbitration against us but you cannot afford to pay\nthe organization\xe2\x80\x99s or arbitrator\xe2\x80\x99s costs, we will\nadvance those costs if you ask us in writing. Any\nrequest like this should be sent to Dart Bank 368\nS. Park St. PO Box 40 Mason MI. 48854 If you\nlose the arbitration, the arbitrator will decide\nwhether you must reimburse us for money we\nadvanced for you for the arbitration. If you win the\narbitration, we will not ask for reimbursement of\nmoney we advanced.\nHearings and Decisions. Arbitration hearings\nwill take place in the federal judicial district where\nyou live. A single arbitrator will be appointed.\nThe arbitrator must:\n\xe2\x80\xa2 Follow all applicable substantive law, except\nwhen contradicted by the FAA;\n\xe2\x80\xa2 Follow applicable statutes of limitations;\n\xe2\x80\xa2 Honor valid claims of privilege;\n\xe2\x80\xa2 Issue a written decision including the reasons\nfor the award.\nThe arbitrator\xe2\x80\x99s decision will be final and binding\nexcept for any review allowed by the FAA.\nHowever, if more than $100,000 was genuinely in\ndispute, then either you or we may choose to\nappeal to a new panel of three arbitrators. The\nappellate panel is completely free to accept or\nreject the entire original award or any part of it.\nThe appeal must be filed with the arbitration\norganization not later than 30 days after the\n\nSurvival of this Provision. This arbitration\nprovision shall survive:\n\xe2\x80\xa2 closing of your Account;\n\xe2\x80\xa2 voluntary payment of your Account or any\npart of it;\n\xe2\x80\xa2 any legal proceedings to collect money you\nowe;\n\xe2\x80\xa2 any bankruptcy by you; and\n\xe2\x80\xa2 any sale by us of your Account.\nYou Have the Right to Reject Arbitration\nfor this Account. You may reject the\narbitration agreement but only if we\nreceive from you a written notice of\nrejection within 30 days of your receipt of\nthe Card after your Account is opened.\nYou must send the notice of rejection to:\nDart Bank 368 S. Park St Mason MI\n48854.Your rejection notice must include\nyour name, address, phone number,\nAccount number and personal signature. No\none else may sign the rejection notice for\nyou. Your rejection notice also must not be\nsent with any other correspondence.\nRejection of arbitration will not affect your\nother rights or responsibilities under this\nAgreement. If you reject arbitration, neither\nyou nor we will be subject to the arbitration\nprovisions for this Account.\n\nOther Beneficiaries of this Provision. In\naddition to you and us, the rights and duties\ndescribed in this arbitration agreement apply\nto: our Affiliates and our and their officers,\ndirectors and employees; any third party codefendant of a claim subject to this\narbitration\nprovision;\nand\nall\njoint\nAccountholders and Authorized Users of\nyour Account(s).\n\n\x0c'


b'Interest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n15.00% to 19.00%. Based upon your credit\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n15.00%-19.00% Based upon your credit\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n15.00%-19.00% Based upon your credit\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When It Applies\n\n23%. This APR will vary with the market based on the Prime\nRate.\nThis APR may be applied to your\naccount if you:\n1. Make a payment that is late 60\ndays or more\n2. Go over your credit line.\n3. Make a payment that is\nreturned; or\n4. Do any of the above on another\naccount that you have with us.\n\nPaying Interest\n\nMinimum Interest Charge\n\nHow Long Will the Penalty APR\nApply? If we increase your APRs\ndue to a late payment, we may\nkeep them at this higher level on\nexisting and new balances until you\nmake six consecutive on-time\npayments. If we increase your\nAPRs for any other reason, we\nmay keep them at this higher level\non new balances indefinitely.\n\nYour due date is at least 25 days after the close of each billing period\n(at least 23 days for billing periods that begin in February). We will not\ncharge you any interest on purchases if you pay your entire balance\nby the due date each month. We will begin charging interest on cash\nadvances and balance transfers as of the later of the transaction date\nor the first day of the billing period in which the transaction posted to\nyour Account.\nIf you are charged interest, the charge will be no less than $2.00.\n\nFees\nAnnual Fee\nBalance Transfer Fee\nCash Advance Fee\nLate Fee\nReturned Payment Fee\n\nNone\n3% of the amount of each transfer.\nEither $10 or 5% of the amount of each cash advance, whichever is\ngreater.\nNone the first time you pay late. After that, up to $35.\nUp to $35.\n\nHow We Will Calculate Your Balance: We will use a method called \xe2\x80\x9cdaily balance (including current transactions)\xe2\x80\x9d.\nSee the Cardmember Agreement for details.\n\nShopping for and using credit cards: Information concerning shopping for and using credit cards can be\nfound at www.consumerfinance.gov/learnmore\nInformation on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\n\n\x0cThank you for choosing Dart Bank. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this\nAgreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We\nhave included a \xe2\x80\x9cDefinitions\xe2\x80\x9d section for your reference on page 4.\n\nACCEPTANCE OF AGREEMENT\nYou accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you\nor an Authorized User use the Account. You may, however, reject the \xe2\x80\x9cArbitration of Disputes\xe2\x80\x9d section as explained in that section.\n\nCHANGES TO YOUR AGREEMENT\nThe rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required\nby law, we will give you advance written notice of the change(s) and a right to reject the change(s). We will not charge any fee or interest\ncharge prohibited by law.\n\nUSING YOUR ACCOUNT\nPermitted Uses\nAuthorized Users\nJoint Accounts\nChecks\nCredit\nAuthorizations\nCredit Lines\n\nYou may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions.\nYou may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an\nAuthorized User to use your Account.\nIf your Account is a joint Account\xe2\x80\xa2 each of you agrees to be liable individually and jointly for the entire amount owed on the\nAccount; and\xe2\x80\xa2 any notice we mail to an address provided by either of you for the Account will serve as notice to both of you.\nIf we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash\nAdvance. You may not use these Checks to pay any amount you owe us.\nWe may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a\ntransaction or if anyone refuses your Card, Check or Account number.\nWe will tell you what your Account credit line is. You\nfor Cash Advances. We may increase or decrease your Account\nmust keep your Account balance below your Account\ncredit line or your Cash Advance credit line without notice. We\ncredit line. If you do not, we may request immediate\nmay delay increasing your available credit by the amount of any\npayment of the amount by which you exceed it. We may\npayment that we receive for up to 10 business days.\nestablish a lower credit line\n\nFEES (See your Pricing Schedule for Additional Fees)\nLate Fee\n\nReturned Payment\nFee\n\nReturned Check Fee\n\nWe will not charge a Late Fee the first time you do not make the Minimum Payment Due by the Payment Due Date. After\nthat, if you do not pay the Minimum Payment Due by the Payment Due Date, we will charge you a Late Fee. The fee is $25 if\nyou were not charged a Late Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never\nexceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed.\nIf you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if\nthe payment is honored after we re-submit it. The fee is $25 if you were not charged a Returned Payment Fee during any of\nthe prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the Minimum Payment Due that was due\nimmediately prior to the date on which the payment was returned to us.\nWe will charge you a Returned Check Fee each time we decline to honor a Check. The fee is $25 if you were not charged a\nReturned Check Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will never exceed the\namount of the Check.\n\nANNUAL PERCENTAGE RATES (\xe2\x80\x9cAPRs\xe2\x80\x9d) (See your Pricing Schedule for the APRs that apply to your Account)\nVariable APRs\n\nYour Pricing Schedule may include variable APRs. These\nAPRs are determined by adding the number of\npercentage points that we specify to the Prime Rate.\nVariable APRs will increase or decrease when the Prime\nRate changes. The APR change\n\nwill take effect on the first day of the billing period that begins\nduring the same calendar month that the Prime Rate changes.\nAn increase in the APR will increase your interest charges and\nmay increase your Minimum Payment Due.\n\n\x0cMAKING PAYMENTS\nPayment\nInstructions\n\n\xe2\x80\xa2 You must pay us in U.S. dollars. All checks must be\ndrawn on funds on deposit in the U.S.\n\xe2\x80\xa2 You must pay us for all amounts due on your Account.\nThis includes charges made by Authorized Users.\n\xe2\x80\xa2 We may refuse to accept a payment in a foreign\ncurrency. If we do accept it, we will charge your Account\nour cost to convert it to U.S. dollars.\n\nother restrictive endorsement without losing any of our\nrights under this Agreement.\n\xe2\x80\xa2 We credit your payments in accordance with the terms\ncontained on your billing statement.\n\xe2\x80\xa2 If you mail your payment to an address other than the\naddress designated on your billing statement, there may be a\ndelay in processing and crediting the payment to your Account.\n\n\xe2\x80\xa2 We can accept late payments, partial payments or\npayments marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or with any\nMinimum Payment\nDue\n\nHow We Apply\nPayments\n\nYou may pay the entire New Balance shown on your\nbilling statement at any time. Each billing period you must\npay at least the Minimum Payment Due by the Payment\nDue Date shown on your billing statement. The Minimum\nPayment Due will be the greater of:\xe2\x80\xa2 $20; or\n\xe2\x80\xa2 Any amount past due plus the greater of:\n\xe2\x80\x93 3% of the New Balance shown on your billing statement\n(excluding any Interest Charges and Late Fee shown on\nyour billing statement); or \xe2\x80\x93 any Interest\nWe apply payments and credits at our discretion,\nincluding in a manner most favorable or convenient for\nus. In all cases, we will apply payments and credits as\nrequired by applicable law.\n\nCharges and Late Fee shown on your billing statement, plus\n$15 (not to exceed 4% of the New Balance).\nThe Minimum Payment Due may also include amounts by\nwhich you exceed your Account credit line. It will never exceed\nthe New Balance. When we calculate the Minimum Payment\nDue, we may subtract from the New Balance certain fees\nadded to your Account during the billing period. The Minimum\nPayment Due is rounded up to the nearest dollar.\n\nWe calculate interest charges each billing period by first\nfiguring the \xe2\x80\x9cdaily balance\xe2\x80\x9d for each Transaction\nCategory. Transaction Categories include standard\nPurchases, standard Cash Advances and different\npromotional balances, such as Balance Transfers.\nHow We Figure the Daily Balance for Each\nTransaction Category\n\xe2\x80\xa2 We start with the beginning balance for each day. The\nbeginning balance for the first day of the billing period is\nyour balance on the last day of your previous billing\nperiod.\n\xe2\x80\xa2 We add any interest charges accrued on the previous\nday\xe2\x80\x99s daily balance and any new transactions and fees.\nWe add any new transactions or fees as of the later of the\nTransaction Date or the first day of the billing period in\nwhich the transaction or fee posted to your Account.\n\xe2\x80\xa2 We subtract any new credits and payments.\n\xe2\x80\xa2 We make other adjustments (including those\nadjustments required in the \xe2\x80\x9cPaying Interest\xe2\x80\x9d section).\nWhen Interest Charges Begin We begin to impose\ninterest charges on a transaction, fee or interest charge\nfrom the day we add it to the daily balance. We continue\nto impose interest charges until you pay the total amount\nyou owe us. You can avoid paying interest on\nPurchases as described below. However, you cannot\navoid paying interest on Balance Transfers or Cash\nAdvances.\nHow to Avoid Paying Interest on Purchases (\xe2\x80\x9cGrace\nPeriod\xe2\x80\x9d)If you paid the New Balance on your previous\n\nHow We Figure Your Total Interest Charges\n\xe2\x80\xa2 We multiply the daily balance for each Transaction Category\nby its daily periodic rate. We do this for each day in the billing\nperiod. This gives us the interest charges for each Transaction\nCategory. To get a daily periodic rate, we divide the APR that\napplies to the Transaction Category by 365.\n\xe2\x80\xa2 We add up all the daily interest charges. The sum is the total\ninterest charge for the billing period.\nHow We Include Fees\nWe add Balance Transfer Fees to the applicable Balance\nTransfer Transaction Category. We add Cash Advance Fees to\nthe applicable Cash Advance Transaction Category. We add\nall other fees to the standard Purchase Transaction Category.\n\nEach billing period, we will generally apply amounts you pay\nthat exceed the Minimum Payment Due to balances with\nhigher APRs before balances with lower APRs as of the date\nwe credit your payment.\n\nINTEREST CHARGES\nHow We Calculate\nInterest Charges\xe2\x80\x94\nDaily Balance\nMethod (including\ncurrent\ntransactions)\n\nPaying Interest\n\nbilling statement by the Payment Due. Date shown on that billing\nstatement, we will not impose interest charges on new\nPurchases, or any portion of a new Purchase, paid by the\nPayment Due Date on your current billing statement. New\nPurchases are Purchases that first appear on the current billing\nstatement.\nHow We Apply Payments May Impact Your Grace Period If\nyou do not pay your New Balance in full each month, then,\ndepending on the balance to which we apply your payment, you\nmay not get a grace period on new Purchases.\n\n\x0cOTHER IMPORTANT INFORMATION\nDefault\n\nYou are in default if:\n\xe2\x80\xa2 you file bankruptcy or another insolvency proceeding is\nfiled by you or against you;\n\xe2\x80\xa2 we have a reasonable belief that you are unable or\nunwilling to repay your obligations to us;\n\xe2\x80\xa2 you die or are legally declared incompetent or\nincapacitated;\n\n\xe2\x80\xa2 you fail to comply with the terms of this Agreement or any\nAgreement with us or an Affiliate, including failing to make a\nrequired payment when due, exceeding your Account credit line\nor using your Card or Account for an illegal transaction.\nIf you are in default, we may declare the entire balance of your\nAccount immediately due and payable without notice.\n\nCollection Costs\nMerchant\nDisputes\n\nBilling\nDisputes\n\nIf we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include\nreasonable attorneys\xe2\x80\x99 fees, court or other collection costs, and fees and costs of any appeal.\nIf you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your favor, we will issue a\ncredit to your Account. You assign to us your claim for the credited amount against the merchant and/or any third party. At our request, you\nagree to provide this assignment in writing.\n\nIf you think there is an error on your statement? You may write to us at: Dart Bank, 368 S. Park St. Mason MI 48854 or may email us at\nwww.dartbank.com. In your letter please provide the following information; your name and account number, the dollar amount of the\nsuspected error, and a description of what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days\nafter the error appears on your statement. You must notify us of any potential errors in writing, or electronically. You may call us, but if you\ndo we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate While we\ninvestigate whether or not there has been an error, we cannot try to collect the amount in question, or report you as delinquent on that\namount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we\ndetermine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid\namount against your credit limit.\n\nAutomatic Billing\nArrangements\nOur Privacy Policy\n\nReporting to Credit\nReporting Agencies\n\nOur\nCommunications\nwith You\n\nUnauthorized Use\n\nCancellation of Your\nAccount\nPurchases and\nCash Advances in\nForeign Currencies\n\nYou may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us\nto provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish\nto stop automatic billing.\nWe send you our Privacy Policy when you open your \xe2\x80\xa2 how we safeguard its confidentiality and security;\nAccount\nand\nannually.\nContact\nus\nor\nvisit \xe2\x80\xa2 when it may be shared with others; and\nwww.dartbank.com if you would like a copy. Please read \xe2\x80\xa2 how you can limit our sharing of this information.\nit carefully. It summarizes:\n\xe2\x80\xa2 the personal information we collect;\nWe may from time to time review your credit, employment If you believe that information we reported is inaccurate or\nand income records. We may report the status and incomplete, please write us at Dart Bank 368 S. Park St. PO\npayment history of your Account to credit reporting Box 40 Mason, MI 48854. Please include your name, address,\nagencies and other creditors. We normally report to credit home phone number and Account number.\nreporting agencies each month.\nYou agree that we (and our affiliates, agents, and you at. We may contact you in any way, such as calling, texting,\ncontractors) may monitor or record any calls between you or e-mail. We may contact you using an automated dialer or\nand us. If we need to contact you to service your Account using pre-recorded messages. We may contact you on a mobile,\nor to collect amounts you owe to us, you authorize us wireless, or similar device, even if you are charged for it by your\n(and our affiliates, agents, and contractors) to contact you provider.\nat any number (i) you have provided to us (ii) from which\nyou called us, or (iii) which we obtained and believe we\ncan reach\nYou must notify us immediately if:\n\xe2\x80\xa2 your Card is lost or stolen; or\n\xe2\x80\xa2 you believe someone is using your Account or a Card without your permission.\n\xe2\x80\xa2 You may cancel your Account. You will remain responsible for any amount you owe us under this Agreement.\n\xe2\x80\xa2 Any joint Accountholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts\nowed.\nIf you make a Purchase or Cash Advance in a foreign depending on the country and currency in which the transaction\ncurrency, we will convert it to U.S. dollars using a rate we is made. We use the rate in effect on the conversion date for the\nchoose. This rate will either be a government-mandated transaction. This rate may be different than the rate in effect on\nrate, a government-published rate or the interbank the Transaction Date for the transaction.\nexchange rate,\n\n\x0cGoverning Law\n\nThis Agreement is governed by applicable federal law and by Michigan law.\n\nSeverability\n\nIf any part of this Agreement is found to be invalid, the rest of it will still remain in effect. However, if the Class Action Waiver\nin the \xe2\x80\x9cArbitration of Disputes\xe2\x80\x9d section is invalidated in any proceeding in which you and we are involved, then the \xe2\x80\x9cArbitration\nof Disputes\xe2\x80\x9d section will be void with respect to that proceeding.\nWe may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them.\n\nEnforcing this\nAgreement\nAssignment of\nAccount\n\nWe may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer\nyour Account without first obtaining our prior written consent.\n\nCONTACT US\nUnless we tell you otherwise, you can notify us:\n\xe2\x80\xa2 by phone at 1-800-347-3085 or\n\xe2\x80\xa2 in writing to Dart Bank, 368 S. Park ST. PO Box 40\nMason MI. 48854\n\nWhen writing, please include your name, address, home phone\nnumber and Account number. You must contact us within 15\ndays after changing your e-mail address, mailing address or\nphone number.\n\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Dart Bank card account.\n\xe2\x80\x9cAffiliate\xe2\x80\x9d means our parent corporations, subsidiaries\nand affiliates.\n\xe2\x80\x9c Authorized User\xe2\x80\x9d means any person you authorize to\nuse your Account or a Card, whether you notify us or not.\n\xe2\x80\x9c Balance Transfer\xe2\x80\x9d means a balance transferred from\nanother creditor to your Account.\n\xe2\x80\x9c Card\xe2\x80\x9d means any one or more Dart Bankcards issued to\nyou or someone else with your authorization.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means the use of your Account to:\n\xe2\x80\xa2 obtain cash from participating automated teller machines,\nfinancial institutions or other locations;\n\xe2\x80\xa2 purchase lottery tickets, money orders, casino chips,\nforeign currency or similar items.\n\n\xe2\x80\x9cCheck\xe2\x80\x9d means any check we send to you to access your\nAccount.\n\xe2\x80\x9c Pricing Schedule\xe2\x80\x9d means the document entitled, \xe2\x80\x9cPricing\nSchedule\xe2\x80\x9d, which lists the APRs that apply to your Account and\nother important information.\n\xe2\x80\x9c Prime Rate\xe2\x80\x9d means the highest rate of interest listed as the\nU.S. Prime rate in the Money Rates section of The Wall Street\nJournal on the last business day of the month.\n\xe2\x80\x9c Purchase\xe2\x80\x9d means the use of your Account to purchase or\nlease goods or services at participating merchants.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to Dart Bank, the issuer of your\nCard.\n\xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d or \xe2\x80\x9cyours\xe2\x80\x9d refer to you and any other person(s)\nwho are also contractually liable under this Agreement.\n\xe2\x80\x9cTransaction Date\xe2\x80\x9d means the date shown on your billing\nstatement for a transaction or fee.\n\nDEFINITIONS\n\n\x0cARBITRATION\nAgreement to arbitrate. In the event of a dispute\nbetween you and us arising under or relating to\nthis Account, either may choose to resolve the\ndispute by binding arbitration, as described\nbelow, instead of in court. Any claim (except for a\nclaim challenging the validity or enforceability of\nthis arbitration agreement, including the Class\nAction Waiver) may be resolved by binding\narbitration if either side requests it. THIS MEANS\nIF\nEITHER\nYOU\nOR\nWE\nCHOOSE\nARBITRATION, NEITHER PARTY SHALL HAVE\nTHE RIGHT TO LITIGATE SUCH CLAIM IN\nCOURT OR TO HAVE A JURY TRIAL. ALSO\nDISCOVERY AND APPEAL RIGHTS ARE\nLIMITED IN ARBITRATION.\nCLASS ACTION WAIVER. ARBITRATION MUST\nBE ON AN INDIVIDUAL BASIS. THIS MEANS\nNEITHER YOU NOR WE MAY JOIN OR\nCONSOLIDATE CLAIMS IN ARBITRATION BY\nOR AGAINST OTHER CARDMEMBERS, OR\nLITIGATE IN COURT OR ARBITRATE ANY\nCLAIMS AS A REPRESENTATIVE OR MEMBER\nOF A CLASS OR IN A PRIVATE ATTORNEY\nGENERAL CAPACITY.\nOnly a court, and not an arbitrator, shall\ndetermine the validity and effect of the Class\nAction Waiver. Even if all parties have opted to\nlitigate a claim in court, you or we may elect\narbitration with respect to any claim made by a\nnew party or any new claims later asserted in that\nlawsuit.\nYour Right to Go To Small Claims Court. We will\nnot choose to arbitrate any claim you bring in\nsmall claims court. However, if such a claim is\ntransferred, removed or appealed to a different\ncourt, we may then choose to arbitrate.\nGoverning Law and Rules. This arbitration\nagreement is governed by the Federal Arbitration\nAct (FAA). Arbitration must proceed only with the\nAmerican Arbitration Association (AAA) or JAMS.\nThe rules for the arbitration will be those in this\narbitration agreement and the procedures of the\nchosen arbitration organization, but the rules in\nthis arbitration agreement will be followed if there\nis disagreement between the agreement and the\norganization\xe2\x80\x99s procedures. If the organization\xe2\x80\x99s\nprocedures change after the claim is filed, the\nprocedures in effect when the claim was filed will\n\napply. For a copy of each organization\xe2\x80\x99s\nprocedures, to file a claim or for other information,\nplease contact:\n\xe2\x80\xa2 AAA at 1101 Laurel Oak Rd., Voorhees, NJ\n08043, www.adr.org (phone 1-877-495-4185) or\n\xe2\x80\xa2 JAMS at 620 Eighth Ave., Floor 34, New York,\n\xe2\x80\xa2 AAA at 1101 Laurel Oak Rd., Voorhees, NJ\n08043, www.adr.org (phone 1-877-495-4185) or\n\xe2\x80\xa2 JAMS at 620 Eighth Ave., Floor 34, New York,\nNY 10018, www.jamsadr.com (phone 1-800-3525267).\nIf both AAA and JAMS are completely\nunavailable, and if you and we cannot agree on a\nsubstitute, then either you or we may request that\na court appoint a substitute.\n\noriginal award issues. The appealing party pays\nall appellate costs unless the appellate panel\ndetermines otherwise as part of its award.\nAny arbitration award may be enforced\n(such as through a judgment) in any court\nwith jurisdiction\n\nFees and Costs. If you wish to begin an\narbitration against us but you cannot afford to pay\nthe organization\xe2\x80\x99s or arbitrator\xe2\x80\x99s costs, we will\nadvance those costs if you ask us in writing. Any\nrequest like this should be sent to Dart Bank 368\nS. Park St. PO Box 40 Mason MI. 48854 If you\nlose the arbitration, the arbitrator will decide\nwhether you must reimburse us for money we\nadvanced for you for the arbitration. If you win the\narbitration, we will not ask for reimbursement of\nmoney we advanced.\nHearings and Decisions. Arbitration hearings\nwill take place in the federal judicial district where\nyou live. A single arbitrator will be appointed.\nThe arbitrator must:\n\xe2\x80\xa2 Follow all applicable substantive law, except\nwhen contradicted by the FAA;\n\xe2\x80\xa2 Follow applicable statutes of limitations;\n\xe2\x80\xa2 Honor valid claims of privilege;\n\xe2\x80\xa2 Issue a written decision including the reasons\nfor the award.\nThe arbitrator\xe2\x80\x99s decision will be final and binding\nexcept for any review allowed by the FAA.\nHowever, if more than $100,000 was genuinely in\ndispute, then either you or we may choose to\nappeal to a new panel of three arbitrators. The\nappellate panel is completely free to accept or\nreject the entire original award or any part of it.\nThe appeal must be filed with the arbitration\norganization not later than 30 days after the\n\nSurvival of this Provision. This arbitration\nprovision shall survive:\n\xe2\x80\xa2 closing of your Account;\n\xe2\x80\xa2 voluntary payment of your Account or any\npart of it;\n\xe2\x80\xa2 any legal proceedings to collect money you\nowe;\n\xe2\x80\xa2 any bankruptcy by you; and\n\xe2\x80\xa2 any sale by us of your Account.\nYou Have the Right to Reject Arbitration\nfor this Account. You may reject the\narbitration agreement but only if we\nreceive from you a written notice of\nrejection within 30 days of your receipt of\nthe Card after your Account is opened.\nYou must send the notice of rejection to:\nDart Bank 368 S. Park St Mason MI\n48854.Your rejection notice must include\nyour name, address, phone number,\nAccount number and personal signature. No\none else may sign the rejection notice for\nyou. Your rejection notice also must not be\nsent with any other correspondence.\nRejection of arbitration will not affect your\nother rights or responsibilities under this\nAgreement. If you reject arbitration, neither\nyou nor we will be subject to the arbitration\nprovisions for this Account.\n\nOther Beneficiaries of this Provision. In\naddition to you and us, the rights and duties\ndescribed in this arbitration agreement apply\nto: our Affiliates and our and their officers,\ndirectors and employees; any third party codefendant of a claim subject to this\narbitration\nprovision;\nand\nall\njoint\nAccountholders and Authorized Users of\nyour Account(s).\n\n\x0c'


b'Interest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n2.99% introductory APR for one year.\nAfter that, your APR will be\nyour creditworthiness.\n\nAPR for Balance Transfers and\nConvenience Checks\n\n8.40% - 22.40%*, based on\n\nThis APR will vary with the market based on the Prime Rate.*\n2.99% introductory APR for one year\nAfter that your APR will be 8.40 - 22.40%* based on your\ncreditworthiness.\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.*\n8.40 - 22.40%*.\n\nHow to Avoid Paying\nInterest on Purchases\n\nThis APR will vary with the market based on the Prime Rate.*\n22.40%. This APR will be a fixed APR during the penalty period.\nThe penalty APR will be applicable to your Account if you:\nFail to make the Minimum payment by the date and time due on\nthe account for 3 (three) consecutive months.\nMake a payment to us that is returned unpaid and you fail to\nmake the two other consecutive Minimum payments on the\naccount by the date and time due.\nHow Long Will the Penalty APR Apply: If your APRs are\nincreased for any of these reasons, the Penalty APR will apply\nuntil you make six consecutive minimum payments when due.\nPay full amount of the New Balance of Purchases within 25 days\nof your statement closing date.\n\nMinimum Interest Charge\nFor Credit Card tips from\nthe Consumer Financial\nProtection Bureau\n\nIf you are charged interest, the charge will be no less than $1.00\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Finance\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nPenalty APR\nand When It Applies\n\nSEE BACK OF PAGE for more important information about your account\n\n\x0cFees\nAnnual Fee\nTransaction Fees:\n\xef\x82\xb7 Cash Advance and\nConvenience Checks\n\nNone\n\n3% of transaction amount or $5 minimum\n\n\xef\x82\xb7\n\nBalance Transfer\n\n$0\n\n\xef\x82\xb7\n\nForeign Transaction\n\n$0\n\nPenalty Fees:\n\xef\x82\xb7 Over the Limit\n\nNone\n\n\xef\x82\xb7\n\nLate Payment\n\nThe lesser of minimum payment due or $25.\n\n\xef\x82\xb7\n\nInsufficient Funds\n\nThe lesser of minimum payment due or $25. (Check, MasterCard AutoPay\nor other electronic means)\n\nOther Fees:\n\xef\x82\xb7 Document Copy\n\xef\x82\xb7\n\nLost Card Reissue\n\n$5 max/item\n$10\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\n(including new purchases).\xe2\x80\x9d\n\n* Variable Rate Information: Prime Rate: Variable APRs are based on the 3.50% Prime Rate as\nth\nof January 17 , 2016. The ANNUAL PERCENTAGE RATE may increase during the term of this\nagreement if the rate disclosed as the U.S. Highest Prime Rate published in the Wall Street\nJournal in the cycle prior to the billing date. The ANNUAL PERCENTAGE RATE will be\ncalculated by adding a margin to the index. . Margin is determined by your creditworthiness. The\nmaximum ANNUAL PERCENTAGE RATE will not exceed 18%, or the rate permissible under the\nFederal Credit Union Act, whichever is less. Any increase in the ANNUAL PERCENTAGE RATE\nwill result in a higher monthly payment; a decrease will result in a lower monthly payment.\nDefined Terms: Capitalized terms used in this Disclosure but not defined herein have the\nmeanings given to such terms in your Cardholder Agreement.\nth\n\nEffective Date: This Disclosure is effective as of January 17 , 2016.\n\n\x0c'