Interest Rates and Interest Charges 

 Annual Percentage Rate (APR) for Purchases  

 APR for Balance Transfers  

 APR for Cash Advances  

 Penalty APR and When It Applies  

 Paying Interest  

 Minimum Interest Charge  

 Fees  
 Annual Fee  
 Balance Transfer Fee  
 Cash Advance Fee  

 Late Fee  
 Returned Payment Fee  

15.00% to 19.00%. Based upon your credit 
This APR will vary with the market based on the Prime Rate.  
15.00%-19.00% Based upon your credit  
This APR will vary with the market based on the Prime Rate. 
15.00%-19.00% Based upon your credit  
This APR will vary with the market based on the Prime Rate. 
23%. This APR will vary with the market based on the Prime 
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. 

Your due date is at least 25 days after the close of 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 your entire balance 
by the due date each month. We will begin charging interest on cash 
advances and balance transfers as of the later of the transaction date 
or the first day of the billing period in which the transaction posted to 
your Account.  
 If you are charged interest, the charge will be no less than $2.00.  

 None  
 3% of the amount of each transfer.  
 Either $10 or 5% of the amount of each cash advance, whichever is 
greater.  
 None the first time you pay late. After that, up to $35.  
 Up to $35.  

How We Will Calculate Your Balance: We will use a method called “daily balance (including 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 your 
account agreement.   

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Thank you for choosing Dart Bank. This Agreement explains the current terms and conditions of your Account. The enclosed Pricing Schedule is part of this 
Agreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We 
have included a “Definitions” section for your reference 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, however, reject the “Arbitration of Disputes” section as explained in that section. 

CHANGES TO YOUR AGREEMENT 

The 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 
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 
Authorized Users  

Joint Accounts 

Checks  

Credit 
Authorizations  
Credit Lines 

You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions. 
You may request additional Cards for Authorized Users. You must notify us if you wish to cancel the authority of an 
Authorized User to use your Account. 
If your Account is a joint Account• each of you agrees to be liable individually and jointly for the entire amount owed on the 
Account; and• any notice we mail to an address provided by either of you for the Account will serve as notice to both of you. 
If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer or Cash 
Advance. You may not use these Checks to pay any amount you owe us. 
We may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a 
transaction or if anyone refuses your Card, Check or Account number. 
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  immediate 
payment of the amount by which you exceed it. We may 
establish a lower credit line  

for Cash Advances. We may increase or decrease your Account 
credit  line  or  your  Cash  Advance  credit  line  without  notice.  We 
may delay increasing your available credit by the amount of any 
payment that we receive for up to 10 business days. 

FEES (See your Pricing Schedule for Additional Fees) 

Late Fee 

Returned Payment 
Fee 

We will not charge a Late Fee  the first time you do  not  make  the Minimum  Payment Due by  the Payment  Due  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  prior  six  billing  periods.  Otherwise,  the  fee  is  $35.  This  fee  will  never 
exceed the Minimum Payment Due that was due immediately prior to the date on which the fee was assessed. 
If you make a payment that is not honored by your financial institution, we will charge you a Returned Payment Fee even if 
the payment is honored after we re-submit it. The fee is $25 if you were not charged a Returned Payment Fee during any of 
the  prior six  billing periods. Otherwise, the fee  is $35. This fee  will  never exceed the Minimum Payment 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 we decline to honor a Check. The fee is $25 if you were not charged a 

Returned Check Fee during any of the prior six billing periods. Otherwise, the fee is $35. This fee will 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. These 
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 Prime 
Rate changes. The APR change  

will take effect on the first day of  the billing period 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 

Minimum Payment 
Due 

How We Apply 
Payments 

INTEREST CHARGES 

How We Calculate 
Interest Charges—
Daily Balance 
Method (including 
current 
transactions) 

Paying Interest  

•  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 Account. 
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 Account 
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  terms 
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 your Account. 

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 Minimum 
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 statement 
(excluding any  Interest Charges  and Late  Fee shown on 
your billing statement); or – any Interest  
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  credits  as 
required by applicable law.  

Charges  and  Late  Fee  shown  on  your  billing  statement,  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  Payment 
Due,  we  may  subtract  from  the  New  Balance  certain  fees 
added to your Account during the billing period. The Minimum 
Payment Due is rounded up to the nearest dollar.  

Each  billing  period,  we  will  generally  apply  amounts  you  pay 
that  exceed  the  Minimum  Payment  Due  to  balances  with 
higher  APRs  before  balances  with  lower  APRs  as  of  the  date 
we credit your payment. 

the 

for  Each 

“daily  balance” 

the  Daily  Balance 

We  calculate  interest  charges  each  billing  period  by  first 
for  each  Transaction 
figuring 
Category.  Transaction  Categories 
include  standard 
Purchases,  standard  Cash  Advances  and  different 
promotional balances, such as Balance Transfers. 
How  We  Figure 
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  billing 
period. 
•  We  add  any  interest  charges  accrued  on  the  previous 
day’s  daily  balance  and  any  new  transactions  and  fees. 
We add any new transactions or fees as of the later of the 
Transaction  Date  or  the  first  day  of  the  billing  period  in 
which the transaction or fee posted to your Account. 
• We subtract any new credits and payments. 
•  We  make  other  adjustments 
adjustments required in the “Paying Interest” section). 
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 continue 
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  

(including 

those 

How We Figure Your Total Interest Charges 
• We multiply the daily balance for each Transaction 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 the 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  Balance 
Transfer Transaction Category. We add Cash Advance Fees to 
the  applicable  Cash  Advance  Transaction  Category.  We  add 
all other fees to the standard Purchase Transaction Category. 

billing statement by the Payment Due. Date shown on that billing 
statement, we will not impose interest charges on new 
Purchases, or any portion of a new Purchase, paid by the 
Payment Due Date on your current billing statement. New 
Purchases are Purchases that first appear on the current 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 payment, 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 proceeding is 
filed by you or against you; 
•  we  have  a  reasonable  belief  that  you  are  unable  or 
unwilling to repay your obligations to us; 
legally  declared 
•  you  die  or  are 
incapacitated; 

incompetent  or 

• you fail to comply with the terms of this Agreement or any 
Agreement with us or an Affiliate, including failing to make a 
required payment when due, exceeding your Account credit line 
or using your Card or Account for an illegal transaction. 
If you are in default, we may declare the entire balance of your 
Account immediately due and payable without notice. 

Collection Costs 

If  we  use  an  attorney  to  collect  your  Account,  we  may  charge  you  our  legal  costs  as  permitted  by  law.  These  include 
reasonable attorneys’ fees, court or other collection costs, and fees and costs of any appeal.  

Merchant 
Disputes   

If 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 
credit 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 
agree to provide this assignment in writing. 

Billing 
Disputes 

 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 information; your name and account number, the dollar amount of the 
suspected 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 
after 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 
do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate While we 
investigate whether or not there has been an error, we cannot try to collect the amount in question, or report you as delinquent on that 
amount. The charge in question may remain on your statement, and we may continue to charge you interest 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 other fees related to that amount. 
While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid 
amount against your credit limit. 

Automatic Billing 
Arrangements 

Our Privacy Policy 

Reporting to Credit 
Reporting Agencies  

Our 
Communications 
with You 

Unauthorized Use 

Cancellation of Your 
Account  

Purchases and 
Cash Advances in 
Foreign Currencies 

or 

us 

and 

• how we safeguard its confidentiality and security; 
• when it may be shared with others; and  
• how you can limit our sharing of this information. 

If  you  believe  that  information  we  reported  is  inaccurate  or 
incomplete,  please  write  us  at  Dart  Bank  368  S.  Park  St.  PO 
Box  40  Mason,  MI  48854.  Please  include  your  name,  address, 
home phone number and Account number. 

You may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us 
to provide this updated information to any such merchant at our discretion. You must contact the merchant directly if you wish 
to stop automatic billing. 
We  send  you  our  Privacy  Policy  when  you  open  your 
visit 
annually.  Contact 
Account 
www.dartbank.com if  you would  like a copy. Please read 
it carefully. It summarizes: 
• the personal information we collect; 
We may from time to time review your credit, employment 
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. 
You  agree  that  we  (and  our  affiliates,  agents,  and 
contractors) may monitor or record any calls between you 
and us. If we need to contact you to service your Account 
or  to  collect  amounts  you  owe  to  us,  you  authorize  us 
(and our affiliates, agents, and contractors) to contact you 
at any number (i) you have provided to us (ii) from which 
you  called  us,  or  (iii)  which  we  obtained  and  believe  we 
can reach  
You must notify us immediately if: 
• your Card is lost or stolen; or  
• you believe someone is using your Account or a Card without your permission. 
• You may cancel your Account. You will remain responsible for any amount you owe us under this Agreement.  
•  Any joint  Accountholder may cancel a joint  Account. However,  both  of  you will  remain  responsible for paying all amounts 
owed. 
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-mandated 
interbank 
rate,  a  government-published  rate  or 
exchange rate, 

you at. We may contact you in any way, such as calling, texting, 
or  e-mail.  We  may  contact  you  using  an  automated  dialer  or 
using pre-recorded messages. We may contact you on a mobile, 
wireless, or similar device, even if you are charged for it by your 
provider. 

depending on the country and currency in which the transaction 
is made. We use the rate in effect on the conversion date for the 
transaction. This rate may be different than the rate in effect on 
the Transaction Date for the transaction. 

the 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Governing Law 

This Agreement is governed by applicable federal law and by Michigan law. 

Severability 

Enforcing this 
Agreement 
Assignment of 
Account 

CONTACT US 

DEFINITIONS 

If 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 
in the “Arbitration of Disputes” section is invalidated in any proceeding in which you and we are involved, then the “Arbitration 
of Disputes” section will be void with respect to that proceeding. 
We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. 

We may sell, assign or transfer your Account or any portion of it without notice to you. You may not sell, assign or transfer 
your Account without first obtaining our prior written consent. 

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 40 
Mason MI. 48854 

When writing, please include your name, address, home phone 
number and Account number. You must contact us within 15 
days after changing your e-mail address, mailing address or 
phone number. 

“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 or 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 machines, 
financial institutions or other locations; 
• purchase lottery tickets, money orders, casino chips, 
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 Wall 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 Agreement. 
“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 there 
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 information, 
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 the 
arbitration,  we  will  not  ask  for  reimbursement  of 
money we advanced. 
Hearings  and  Decisions.  Arbitration  hearings 
will take place in the federal judicial district where 
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-
this 
defendant  of  a  claim  subject 
arbitration 
joint 
Accountholders  and  Authorized  Users  of 
your Account(s). 

provision; 

and 

all 

to 

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.