The Dart Bank and its affiliated company, The Dart Mortgage Company, LLC, value 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 Nonpublic Personal Information

We restrict access to your personal and account information to those employees who need to know that 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

Dart Bank and Dart Mortgage Company 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.

Sharing Your Information within our Two Companies Dart Bank and Dart Mortgage Company

We share all the non-public personal information we collect about you, as described above, within our two companies for a number of reasons, such as:

• To protect you. The information we maintain about your customer relationship helps us to identify you.
• To provide service. Your information allows us to respond to your requests.
• To tell you about new financial services. You may receive special notifications based on your account history and information we have about you. For example, if we know that you own your own home, we might offer you a home equity loan.
• To improve our products and services. We collect and analyze information about our customers activity and history, and then we tailor new products to meet your needs.

Our two companies are financial service providers. We always have the right to share, within our two companies, identifying and contact information from your application, and information about our transactions and experience with your account. If you do not want us to share, within our two companies, the other information we obtain from your application, such as asset information, and the information we obtain from consumer reporting agencies, see below.

Fair Credit Reporting Act Notice
Opt-Out of Sharing within our Two Companies

We always have the right to share, within our two companies, identifying and contact information from your application, and information about our transactions and experience with your account. You may direct us not to share within our companies other information such as asset information and your consumer reports. Even if you decide to Opt Out, we will share all your information within our two companies when you ask us to. Please notify us in writing if you desire to Opt Out of information sharing.

What is a Consumer Report?

A consumer credit report is any written, oral, or other communication from a consumer reporting agency which bears on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for: (a) credit or insurance to be used primarily for personal, family, or household purposes; (b) employment services; or (c) any other purpose authorized under section 604 of the Fair Credit Reporting Act.

What Happens If You Opt-Out?

It is important that you understand what information will be affected if you choose to opt-out of sharing. The Fair Credit Reporting Act controls information shared within our two companies. Under the Fair Credit Reporting Act, you have the right to opt-out of sharing certain non-public personal information within our two companies, Dart Bank and Dart Mortgage Company. (Please notify us in writing if you desire to Opt Out of information sharing.) If you opt-out, we will not share non-public personal information we obtain from your application or information we obtain from consumer reporting agencies within our two companies except that we will continue to share, within our two companies, information about our experiences or transactions with you. In addition, we will share your information within our two companies when you ask us to.

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.

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. Thank you for being a valued customer.

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 as the following address: THE DART BANK, 368 SOUTH PARK STREET, P O BOX 40, MASON, MI 48854

Please notify us in writing if you desire to Opt Out of information sharing (if you do not want us to share your non-public personal infromation). For joint accounts, a request must be made for each account holder.

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 drivers 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 Compuserve.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 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.