Our Privacy Commitment to You

Dart Bank values customer relationships.  The basis of each customer relationship is built on trust.  We are committed to protecting the privacy of our customers’ information.  When you provide us with information, you can be sure that we will hold that information in strict confidence.

Trust, Privacy and Confidentiality are fundamental to our commitment in meeting customer expectations of how we use the information we obtain.  We have developed a policy to ensure your personal privacy.

This policy applies to non-public personal information we gather concerning individuals obtaining financial products or services from us primarily for personal, family or household purposes.

Confidentiality and Security of Non-public Personal Information

We restrict access to your personal and account information to those employees who need to know the information to provide products or services to you.  We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your non-public personal information.

Non-public Personal Information We Collect

We collect non-public personal information about you in order to establish and service your account.  We also collect information so that we may provide you the highest level of service.

We collect the following categories of non-public personal information about you from the following areas:

• Information we receive from you on applications, other forms, and through our web site such as your name, address, social security number, assets and income.

• Information about your transactions with us, our affiliated companies, and others such as your account balance, payment history, parties to transactions, and credit card usage; and

• Information we receive from a consumer-reporting agency such as your creditworthiness and credit history

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Non-public Personal Information We Disclose

We do not disclose non-public personal information about you to other non-affiliated third parties or anyone else except as permitted by law.

We are permitted under law to disclose all of the non-public information that we collect about you, as described above, to non-affiliated third parties in certain circumstances.  For example, we may disclose non-public personal information about you to non-affiliated third parties in order to offer or support a product or service that you have requested or that you already have with us.  We may also disclose non-public personal information about you to companies that perform marketing services on our behalf or other financial institutions with whom we have joint marketing agreements.  We may also disclose non-public personal information about you to non-affiliated third parties to assist us in maintaining or servicing your loan or account with us.  In all of these cases, when we share this information with non-affiliated third parties, we have confidentiality agreements with such parties that prohibit them from using customer information in any way other than as we direct.  We may also disclose non-public personal information about you as legally required, such as to governmental entities and others in response to subpoenas.  We may also disclose non-public personal information about you to credit bureaus for credit reporting purposes.

If you decide to close your account(s) or become an inactive customer, we will still adhere to the same privacy policies and practices described in this notice.

Dart Bank is committed to continue to provide quality products and services while still maintaining your privacy.  If you have any questions about our policy, please contact us at (517) 676-3661.

Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies

Please notify us if we report any inaccurate information about your account(s) to a consumer-reporting agency.  Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address:  DART BANK, 368 S. PARK STREET, P.O. BOX 40, MASON, MI 48854.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:  When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver’s license or other identifying documents.  In some instances, we may use outside sources to confirm this information.  Our Privacy Policy and Federal law protect the information you provide.

Online Privacy Practices

Dart Bank is committed to protecting our customers’ information. Through our Web site, we strive to provide valuable information to you about how we may serve you and, whether you are a valued existing customer or someone shopping for new Bank services, we hope our site answers your questions about our products and services, locations and hours.

We do not intentionally collect information on individual users of our Web site. We may collect and store information about the name of the domain from which you access the Internet, such as aol.com or att.net, the date and time you access our site, and the Internet address of the Web site from which you linked to us. We collect this information on visitors only in the aggregate and use it for internal review purposes only. This information simply enables us to tell which areas of the site are of the most interest to our users, which avenues of site promotion are most effective, and when peak usage times are. Our Web site does not require you to disclose any personally identifying information. If however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in your e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the Bank unless we are compelled to do so by law. We provide secure e-mail for your protection when emailing us.

We reserve the right to change this notification at any time by posting an update online. Thank you for taking the time to read about our Online Privacy Practices.

                        Thank you for being our valued customer.