Interest Rates and Interest Charges  
 Annual Percentage Rate (APR) for Purchases  
 15.75% . This APR will vary with the market based on the 
Prime Rate.   
 
 APR for Balance Transfers  
 15.75%  This APR will vary with the market based on the 
Prime Rate.  
 
 APR for Cash Advances  
 15.75%  This APR will vary with the market based on the 
Prime Rate.  
 
 Penalty APR and When It Applies  
 23% . This APR will vary with the market based on the Pri me 
Rate. 
 
This APR may be applied to your 
account if you: 
1. Make a payment that is late 60 
days or more 
2. Go over your credit line. 
3. Make a payment that is 
returned; or 
4. Do any of the above on another 
account that you have with us. 
 
 How Long Will the Penalty APR 
Apply? If we increase your APRs 
due to a late payment, we may 
keep them at this higher level on 
existing and new balances until you 
make six consecutive on-time 
payments. If we increase your 
APRs for any other reason, we 
may keep them at this higher level 
on new balances indefinitely. 
 
  
 
 Paying Interest  
 Your due date is at least 25 days after the close o f each billing period 
(at least 23 days for billing periods that begin in  February). We will not 
charge you any interest on purchases if you pay you r entire balance 
by the due date each month. We will begin charging interest on cash 
advances and balance transfers as of the later of t he transaction date 
or the first day of the billing period in which the  transaction posted to 
your Account.  
 
 Minimum Interest Charge  
  If you are charged interest, the charge will be no less than $2.00.  
 
 
 
 Fees  
 
 Annual Fee  
  None  
 
 Balance Transfer Fee  
  3% of the amount of each transfer.  
 
 Cash Advance Fee  
  Either $10 or 5% of the amount of each cash advance, whichever is 
greater.  
 
 Late Fee  
  None the first time you pay late. After that, up to $35.  
 
 Returned Payment Fee  
  Up to $35.  
 
How We Will Calculate Your Balance: We will use a method called �daily balance (includi ng current transactions)�. 
See the Cardmember Agreement for details.  
Shopping for and using credit cards: Information concerning shopping for and using credit cards can be 
found at www.consumerfinance.gov/learnmore  
Information on your rights to dispute transactions and how to exercise those rights is provided in you r 
account agreement.     
 
 
 
Thank you for choosing Dart Bank. This Agreement ex plains the current terms and conditions of your Acc ount. The enclosed Pricing Schedule is part of this  
Agreement. Please read this Agreement, including th e Pricing Schedule, carefully. Keep them for your r ecords. Contact us if you have any questions. We 
have included a �Definitions� section for your refe rence on page 4.  
ACCEPTANCE OF AGREEMENT 
You accept this Agreement if you do not cancel your  Account within 30 days after receiving a Card. You  also accept this Agreement if you 
or an Authorized User use the Account. You may, how ever, reject the �Arbitration of Disputes� section as explained in that section.  
CHANGES TO YOUR AGREEMENT 
The rates, fees and terms of this Agreement may cha nge from time to time. We may add or delete any ter m to this Agreement. If required 
by 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 
charge prohibited by law. 
USING YOUR ACCOUNT  
Permitted Uses  You may use your Account for Purchases, Balance Tra nsfers and Cash Advances. You may not use it for il legal transactions. 
 
Authorized Users  You may request additional Cards for Authorized Use rs. You must notify us if you wish to cancel the au thority of an 
Authorized User to use your Account. 
 
Joint Accounts  If your Account is a joint Account� each of you agr ees to be liable individually and jointly for the e ntire amount owed on the 
Account; and� any notice we mail to an address prov ided by either of you for the Account will serve as  notice to both of you. 
 
Checks  If we provide you with Checks, we will tell you whe ther we will treat the Check as a Purchase, Balance  Transfer or Cash 
Advance. You may not use these Checks to pay any am ount you owe us. 
 
Credit 
Authorizations  We may not authorize a transaction for security or other reasons. We will not be liable to you if we d ecline to authorize a 
transaction or if anyone refuses your Card, Check o r Account number. 
 
Credit Lines  We will tell you what your Account credit line is. You 
must keep your Account balance below your Account 
credit line. If you do not, we may request immediat e 
payment of the amount by which you exceed it. We ma y 
establish a lower credit line  for Cash Advances. We may increase or decrease your  Account 
credit line or your Cash Advance credit line withou t notice. We 
may delay increasing your available credit by the a mount of any 
payment that we receive for up to 10 business days.  
 
FEES (See your Pricing Schedule for Additional Fees) 
Late Fee  We will not charge a Late Fee the first time you do  not make the Minimum Payment Due by the Payment Du e Date. After 
that, 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 
you were not charged a Late Fee during any of the p rior six billing periods. Otherwise, the fee is $35 . This fee will never 
exceed the Minimum Payment Due that was due immedia tely prior to the date on which the fee was assesse d. 
 
Returned Payment 
Fee  If you make a payment that is not honored by your f inancial institution, we will charge you a Returned  Payment Fee even if 
the payment is honored after we re-submit it. The f ee is $25 if you were not charged a Returned Paymen t Fee during any of 
the prior six billing periods. Otherwise, the fee i s $35. This fee will never exceed the Minimum Payme nt Due that was due 
immediately prior to the date on which the payment was returned to us. 
 
Returned Check Fee  We will charge you a Returned Check Fee each time w e decline to honor a Check. The fee is $25 if you w ere not charged a 
Returned Check Fee during any of the prior six bill ing periods. Otherwise, the fee is $35. This fee wi ll never exceed the 
amount of the Check.  
 
ANNUAL PERCENTAGE RATES (�APRs�) (See your Pricing Schedule for the APRs that apply to your Account)  
Variable APRs  Your Pricing Schedule may include variable APRs. Th ese 
APRs are determined by adding the number of 
percentage points that we specify to the Prime Rate . 
Variable APRs will increase or decrease when the Pr ime 
Rate changes. The APR change  
 will take effect on the first day of the billing pe riod that begins 
during the same calendar month that the Prime Rate changes. 
An increase in the APR will increase your interest charges and 
may increase your Minimum Payment Due. 
 
 
 MAKING PAYMENTS  
Payment 
Instructions  � You must pay us in U.S. dollars. All checks must be 
drawn on funds on deposit in the U.S. 
� You must pay us for all amounts due on your Accou nt. 
This includes charges made by Authorized Users. 
� We may refuse to accept a payment in a foreign 
currency. If we do accept it, we will charge your A ccount 
our cost to convert it to U.S. dollars. 
� We can accept late payments, partial payments or 
payments marked �payment in full� or with any  other restrictive endorsement without losing any of  our 
rights under this Agreement.  
� We credit your payments in accordance with the te rms 
contained on your billing statement. 
� If you mail your payment to an address other than  the 
address designated on your billing statement, there  may be a 
delay in processing and crediting the payment to yo ur Account. 
 
Minimum Payment 
Due  You may pay the entire New Balance shown on your 
billing statement at any time. Each billing period you must 
pay at least the Minimum Payment Due by the Payment  
Due Date shown on your billing statement. The Minim um 
Payment Due will be the greater of:� $20; or 
� Any amount past due plus the greater of:  
� 3% of the New Balance shown on your billing state ment 
(excluding any Interest Charges and Late Fee shown on 
your billing statement); or � any Interest  Charges and Late Fee shown on your billing statemen t, plus 
$15 (not to exceed 4% of the New Balance).  
The Minimum Payment Due may also include amounts by  
which you exceed your Account credit line. It will never exceed 
the New Balance. When we calculate the Minimum Paym ent 
Due, we may subtract from the New Balance certain f ees 
added to your Account during the billing period. Th e Minimum 
Payment Due is rounded up to the nearest dollar.  
 
How We Apply 
Payments  We apply payments and credits at our discretion, 
including in a manner most favorable or convenient for 
us. In all cases, we will apply payments and credit s as 
required by applicable law.  Each billing period, we will generally apply amount s you pay 
that exceed the Minimum Payment Due to balances wit h 
higher APRs before balances with lower APRs as of t he date 
we credit your payment. 
 
INTEREST CHARGES  
How We Calculate 
Interest Charges�
Daily Balance 
Method (including 
current 
transactions)  We calculate interest charges each billing period b y first 
figuring the �daily balance� for each Transaction 
Category. Transaction Categories include standard 
Purchases, standard Cash Advances and different 
promotional balances, such as Balance Transfers. 
How We Figure the Daily Balance for Each 
Transaction Category  
� We start with the beginning balance for each day.  The 
beginning balance for the first day of the billing period is 
your balance on the last day of your previous billi ng 
period. 
� We add any interest charges accrued on the previo us 
day�s daily balance and any new transactions and fe es. 
We add any new transactions or fees as of the later  of the 
Transaction Date or the first day of the billing pe riod in 
which the transaction or fee posted to your Account . 
� We subtract any new credits and payments. 
� We make other adjustments (including those 
adjustments required in the �Paying Interest� secti on). How We Figure Your Total Interest Charges  
� We multiply the daily balance for each Transactio n Category 
by its daily periodic rate. We do this for each day  in the billing 
period. This gives us the interest charges for each  Transaction 
Category. To get a daily periodic rate, we divide t he APR that 
applies to the Transaction Category by 365. 
� We add up all the daily interest charges. The sum  is the total 
interest charge for the billing period. 
How We Include Fees  
We add Balance Transfer Fees to the applicable Bala nce 
Transfer Transaction Category. We add Cash Advance Fees to 
the applicable Cash Advance Transaction Category. W e add 
all other fees to the standard Purchase Transaction  Category. 
 
Paying Interest  When Interest Charges Begin We begin to impose 
interest charges on a transaction, fee or interest charge 
from the day we add it to the daily balance. We con tinue 
to impose interest charges until you pay the total amount 
you owe us. You can avoid paying interest on 
Purchases as described below . However, you cannot 
avoid paying interest on Balance Transfers or Cash 
Advances.  
How to Avoid Paying Interest on Purchases (�Grace 
Period�) If you paid the New Balance on your previous  
 billing statement by the Payment Due. Date shown on  that billing 
statement, we will not impose interest charges on n ew 
Purchases, or any portion of a new Purchase, paid b y the 
Payment Due Date on your current billing statement.  New 
Purchases are Purchases that first appear on the cu rrent billing 
statement.  
How We Apply Payments May Impact Your Grace Period If 
you do not pay your New Balance in full each month,  then, 
depending on the balance to which we apply your pay ment, you 
may not get a grace period on new Purchases. 
 
 
 
 
  OTHER IMPORTANT INFORMATION  
Default  You are in default if: 
� you file bankruptcy or another insolvency proceed ing is 
filed by you or against you; 
� we have a reasonable belief that you are unable o r 
unwilling to repay your obligations to us; 
� you die or are legally declared incompetent or 
incapacitated; � you fail to comply with the terms of this Agreeme nt or any 
Agreement with us or an Affiliate, including failin g to make a 
required payment when due, exceeding your Account c redit line 
or using your Card or Account for an illegal transa ction. 
If you are in default, we may declare the entire ba lance of your 
Account immediately due and payable without notice.  
 
 
Collection Costs  If we use an attorney to collect your Account, we m ay charge you our legal costs as permitted by law. These include 
reasonable attorneys� fees, court or other collecti on costs, and fees and costs of any appeal.  
 
Merchant 
Disputes   
 
Billing 
Disputes If you have a dispute with a merchant, you may requ est a credit to your Account. If we resolve the dis pute in your favor, we will issue a 
credit to your Account. You assign to us your claim  for the credited amount against the merchant and/o r any third party. At our request, you 
agree to provide this assignment in writing. 
 
 If 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 
www.dartbank.com . In your letter please provide the following infor mation; your name and account number, the dollar am ount of the 
suspected error, and a description of what you beli eve is wrong and why you believe it is a mistake. Y ou must contact us within 60 days 
after the error appears on your statement. You must  notify us of any potential errors in writing, or e lectronically. You may call us, but if you 
do we are not required to investigate any potential  errors and you may have to pay the amount in quest ion. While we investigate While we 
investigate whether or not there has been an error,  we cannot try to collect the amount in question, o r report you as delinquent on that 
amount. The charge in question may remain on your s tatement, and we may continue to charge you interes t on that amount. But, if we 
determine that we made a mistake, you will not have  to pay the amount in question or any interest or o ther fees related to that amount. 
While you do not have to pay the amount in question , you are responsible for the remainder of your bal ance. We can apply any unpaid 
amount against your credit limit. 
 
  
 
Automatic Billing 
Arrangements  You may set up automatic billing with a merchant. I f your Account number or Card expiration date chang es, you authorize us 
to provide this updated information to any such mer chant at our discretion. You must contact the merch ant directly if you wish 
to stop automatic billing. 
 
Our Privacy Policy  We send you our Privacy Policy when you open your 
Account and annually. Contact us or visit 
www.dartbank.com  if you would like a copy. Please read 
it carefully. It summarizes: 
� the personal information we collect; � how we safeguard its confidentiality and security ; 
� when it may be shared with others; and  
� how you can limit our sharing of this information . 
 
Reporting to Credit 
Reporting Agencies  We may from time to time review your credit, employ ment 
and income records. We may report the status and 
payment history of your Account to credit reporting  
agencies and other creditors. We normally report to  credit 
reporting agencies each month.  If you believe that information we reported is inac curate or 
incomplete, please write us at Dart Bank 368 S. Par k St. PO 
Box 40 Mason, MI 48854. Please include your name, a ddress, 
home phone number and Account number. 
 
Our 
Communications 
with You  You agree that we (and our affiliates, agents, and 
contractors) may monitor or record any calls betwee n you 
and us. If we need to contact you to service your A ccount 
or to collect amounts you owe to us, you authorize us 
(and our affiliates, agents, and contractors) to co ntact you 
at any number (i) you have provided to us (ii) from  which 
you called us, or (iii) which we obtained and belie ve we 
can reach  you at. We may contact you in any way, such as call ing, texting, 
or e-mail. We may contact you using an automated di aler or 
using pre-recorded messages. We may contact you on a mobile, 
wireless, or similar device, even if you are charge d for it by your 
provider. 
 
Unauthorized Use  You must notify us immediately if: 
� your Card is lost or stolen; or  
� you believe someone is using your Account or a Ca rd without your permission. 
 
Cancellation of Your 
Account  � You may cancel your Account. You will remain resp onsible for any amount you owe us under this Agreem ent.  
� Any joint Accountholder may cancel a joint Accoun t. However, both of you will remain responsible for  paying all amounts 
owed. 
 
Purchases and 
Cash Advances in 
Foreign Currencies  If you make a Purchase or Cash Advance in a foreign  
currency, we will convert it to U.S. dollars using a rate we 
choose. This rate will either be a government-manda ted 
rate, a government-published rate or the interbank 
exchange rate, depending on the country and currency in which the transaction 
is made. We use the rate in effect on the conversio n date for the 
transaction. This rate may be different than the ra te in effect on 
the Transaction Date for the transaction. 
  Governing Law  This Agreement is governed by applicable federal la w and by Michigan law. 
  
 
Severability  If any part of this Agreement is found to be invali d, the rest of it will still remain in effect. Howe ver, if the Class Action Waiver 
in the �Arbitration of Disputes� section is invalid ated in any proceeding in which you and we are invo lved, then the �Arbitration 
of Disputes� section will be void with respect to t hat proceeding. 
 
Enforcing this 
Agreement  We may delay enforcing or not enforce any of our ri ghts under this Agreement without losing or waiving  any of them. 
Assignment of 
Account  We may sell, assign or transfer your Account or any  portion of it without notice to you. You may not s ell, assign or transfer 
your Account without first obtaining our prior writ ten consent. 
 
CONTACT US 
Unless we tell you otherwise, you can notify us: 
� by phone at 1-800-347-3085 or  
� in writing to Dart Bank, 368 S. Park ST. PO Box 4 0 
Mason MI. 48854 When writing, please include your name, address, ho me phone 
number and Account number. You must contact us with in 15 
days after changing your e-mail address, mailing ad dress or 
phone number. 
 
 
 
DEFINITIONS 
�Account� means your Dart Bank card account. 
�Affiliate� means our parent corporations, subsidiaries 
and affiliates. 
� Authorized User� means any person you authorize to 
use your Account or a Card, whether you notify us o r not. 
� Balance Transfer� means a balance transferred from 
another creditor to your Account. 
� Card� means any one or more Dart Bankcards issued to 
you or someone else with your authorization. 
�Cash Advance� means the use of your Account to: 
� obtain cash from participating automated teller m achines, 
financial institutions or other locations; 
� purchase lottery tickets, money orders, casino ch ips, 
foreign currency or similar items. �Check� means any check we send to you to access your 
Account. 
� Pricing Schedule� means the document entitled, �Pricing 
Schedule�, which lists the APRs that apply to your Account and 
other important information. 
� Prime Rate� means the highest rate of interest listed as the 
U.S. Prime rate in the Money Rates section of The W all Street 
Journal on the last business day of the month. 
� Purchase� means the use of your Account to purchase or 
lease goods or services at participating merchants.  
�We,� �us� and �our� refer to Dart Bank, the issuer of your 
Card. 
�You,� �your� or �yours� refer to you and any other person(s) 
who are also contractually liable under this Agreem ent. 
�Transaction Date� means the date shown on your billing 
statement for a transaction or fee. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  ARBITRATION  
Agreement to arbitrate. In the event of a dispute 
between you and us arising under or relating to 
this Account, either may choose to resolve the 
dispute by binding arbitration, as described 
below, instead of in court. Any claim (except for a  
claim challenging the validity or enforceability of  
this arbitration agreement, including the Class 
Action Waiver) may be resolved by binding 
arbitration if either side requests it. THIS MEANS 
IF EITHER YOU OR WE CHOOSE 
ARBITRATION, NEITHER PARTY SHALL HAVE 
THE RIGHT TO LITIGATE SUCH CLAIM IN 
COURT OR TO HAVE A JURY TRIAL. ALSO 
DISCOVERY AND APPEAL RIGHTS ARE 
LIMITED IN ARBITRATION. 
CLASS ACTION WAIVER. ARBITRATION MUST 
BE ON AN INDIVIDUAL BASIS. THIS MEANS 
NEITHER YOU NOR WE MAY JOIN OR 
CONSOLIDATE CLAIMS IN ARBITRATION BY 
OR AGAINST OTHER CARDMEMBERS, OR 
LITIGATE IN COURT OR ARBITRATE ANY 
CLAIMS AS A REPRESENTATIVE OR MEMBER 
OF A CLASS OR IN A PRIVATE ATTORNEY 
GENERAL CAPACITY.  
Only a court, and not an arbitrator, shall 
determine the validity and effect of the Class 
Action Waiver. Even if all parties have opted to 
litigate a claim in court, you or we may elect 
arbitration with respect to any claim made by a 
new party or any new claims later asserted in that 
lawsuit. 
Your Right to Go To Small Claims Court. We will 
not choose to arbitrate any claim you bring in 
small claims court. However, if such a claim is 
transferred, removed or appealed to a different 
court, we may then choose to arbitrate. 
Governing Law and Rules. This arbitration 
agreement is governed by the Federal Arbitration 
Act (FAA). Arbitration must proceed only with the 
American Arbitration Association (AAA) or JAMS. 
The rules for the arbitration will be those in this  
arbitration agreement and the procedures of the 
chosen arbitration organization, but the rules in 
this arbitration agreement will be followed if ther e 
is disagreement between the agreement and the 
organization�s procedures. If the organization�s 
procedures change after the claim is filed, the 
procedures in effect when the claim was filed will  apply. For a copy of each organization�s 
procedures, to file a claim or for other informatio n, 
please contact: 
� AAA at 1101 Laurel Oak Rd., Voorhees, NJ 
08043, www.adr.org (phone 1-877-495-4185) or 
� JAMS at 620 Eighth Ave., Floor 34, New York,  
� AAA at 1101 Laurel Oak Rd., Voorhees, NJ 
08043, www.adr.org (phone 1-877-495-4185) or 
� JAMS at 620 Eighth Ave., Floor 34, New York, 
NY 10018, www.jamsadr.com (phone 1-800-352-
5267). 
If both AAA and JAMS are completely 
unavailable, and if you and we cannot agree on a 
substitute, then either you or we may request that 
a court appoint a substitute. 
 
Fees and Costs. If you wish to begin an 
arbitration against us but you cannot afford to pay  
the organization�s or arbitrator�s costs, we will 
advance those costs if you ask us in writing. Any 
request like this should be sent to Dart Bank 368 
S. Park St. PO Box 40 Mason MI. 48854 If you 
lose the arbitration, the arbitrator will decide 
whether you must reimburse us for money we 
advanced for you for the arbitration. If you win th e 
arbitration, we will not ask for reimbursement of 
money we advanced. 
Hearings and Decisions. Arbitration hearings 
will take place in the federal judicial district wh ere 
you live. A single arbitrator will be appointed. 
The arbitrator must: 
� Follow all applicable substantive law, except 
when contradicted by the FAA; 
� Follow applicable statutes of limitations; 
� Honor valid claims of privilege; 
� Issue a written decision including the reasons 
for the award. 
The arbitrator�s decision will be final and binding  
except for any review allowed by the FAA. 
However, if more than $100,000 was genuinely in 
dispute, then either you or we may choose to 
appeal to a new panel of three arbitrators. The 
appellate panel is completely free to accept or 
reject the entire original award or any part of it.  
The appeal must be filed with the arbitration 
organization not later than 30 days after the  
 original award issues. The appealing party pays 
all appellate costs unless the appellate panel 
determines otherwise as part of its award. 
Any arbitration award may be enforced 
(such as through a judgment) in any court 
with jurisdiction  
 
Other Beneficiaries of this Provision. In 
addition to you and us, the rights and duties 
described in this arbitration agreement apply 
to: our Affiliates and our and their officers, 
directors and employees; any third party co-
defendant of a claim subject to this 
arbitration provision; and all joint 
Accountholders and Authorized Users of 
your Account(s). 
 
Survival of this Provision. This arbitration 
provision shall survive: 
� closing of your Account; 
� voluntary payment of your Account or any 
part of it; 
� any legal proceedings to collect money you 
owe; 
� any bankruptcy by you; and 
� any sale by us of your Account. 
You Have the Right to Reject Arbitration 
for this Account. You may reject the 
arbitration agreement but only if we 
receive from you a written notice of 
rejection within 30 days of your receipt of 
the Card after your Account is opened. 
You must send the notice of rejection to: 
Dart Bank 368 S. Park St Mason MI 
48854.Your rejection notice must include 
your name, address, phone number, 
Account number and personal signature. No 
one else may sign the rejection notice for 
you. Your rejection notice also must not be 
sent with any other correspondence. 
Rejection of arbitration will not affect your 
other rights or responsibilities under this 
Agreement. If you reject arbitration, neither 
you nor we will be subject to the arbitration 
provisions for this Account.