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          Western Union® Prepaid MasterCard®

          Cardholder Agreement

          IMPORTANT - PLEASE READ CAREFULLY

          Terms and Conditions for the Western Union® Prepaid MasterCard® Card
          This document constitutes the agreement ("Agreement") containing the terms and conditions under which a Western Union ® Prepaid MasterCard® Card has been issued to you. To activate the Card, you must pay a non-refundable Activation Fee of $9.95 for the Card and make an initial value load of at least $30.00 to the Card. By accepting or using this Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, "Card" means the Western Union ® Prepaid MasterCard® Card issued to you by BANKFIRST. "You" and "your" means the person whose name appears on the Card and is authorized to use the Card as provided for in this Agreement. "We," "us," and "our" mean BANKFIRST, our successors, affiliates or assignees. "Card Account" means the records we maintain to account for the value of good funds available to you with the Card. The value available is recorded in your Card Account and will decrease each time you use the Card to make a purchase or withdrawal. The funds on your Card are FDIC insured; BANKFIRST, member FDIC. You agree to sign the back of the Card immediately upon receipt. The Card will remain the property of BANKFIRST and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.


          Business Days
          Our business days are Monday through Friday excluding holidays. Saturday, Sunday, and federal holidays are not considered business days, even if we are open.


          Loading the Card
          Funds can be loaded onto the Card by conducting a Western Union® Prepaid Services transaction at any Western Union Agent location in the United States. There is a fee of $3.95 for each load conducted with a Western Union® Prepaid Services transaction. Your Card must be presented by you to the Western Union Agent in order to load value to your Card in this manner. Western Union terms and conditions apply. To find a Western Union Agent location nearby, you may call 1-800-325-6000, press 2, then 1, or visit www.westernunion.com. There is a minimum funding amount of $30 and a maximum funding amount of $950 per transaction or $950 in the aggregate within a 24 hour period (inclusive of the load fee). You may perform up to 10 Western Union Prepaid Services transactions to load value onto the Card within a one month period. If you attempt to perform a Western Union Prepaid Services transaction that would exceed these limits, your transaction will be denied.

          Funds can also be loaded onto the Card by direct deposit of payroll funds if your employer offers direct deposit as a pay option. You may only designate one employer to send direct deposit to the Card. Visit www.westernunionprepaidservices.com to obtain information on initiating direct deposit. The bank routing number and account number on the form cannot be used for any purpose other than initiating direct deposit to your Card. You are not authorized to provide the numbers to anyone other than your employer. If you attempt to use the bank routing number and account number to pre-authorize direct debits from the Card by merchants or any other party, the pre-authorized debits will be declined and your payment to the party will not be processed. Your employer controls the establishment of direct deposit to the Card and the timing of funds transfer to the Card.

          The aggregate funds loaded on the Card at any time from any source may not exceed $2,500. The aggregate funds loaded on the Card within one calendar month from any source may not exceed $9,500. The maximum value of your Card is restricted to $2,500. If you exceed the load limits stated above, you are still subject to the maximum Card value stated above. We will deny any load transaction, including a direct deposit transaction from your employer, that would cause the Card balance to exceed these limits. If a direct deposit transaction is denied, you will need to obtain your pay from your employer in a manner other than direct deposit to the Card.



          Using Your Card
          Except as otherwise provided in this Agreement, you may use your Card to purchase or lease goods or services wherever MasterCard debit cards are accepted as long as you do not exceed the value available on your Card Account. You also may use the Card to obtain cash from any financial institution that accepts the Card, or any qualified Automatic Teller Machine (ATM) or Point of Sale (POS) device, as permissible by merchant, that bears the MasterCard®, Maestro®, Cirrus® or STAR® brand. All ATM transactions are treated as cash withdrawal transactions and are subject to a Cash Withdrawal Fee, see “Fees and Charges” below. We have the right to restrict your access to any qualified ATM at any time. You are responsible for all authorized transactions initiated by use of your Card. If you use your Card number without presenting your Card (such as for a mail order or telephone purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. You may not use your Card for any illegal or restricted transaction, including use at casinos or in connection with gambling. Transactions for the payment of gasoline are restricted at the pump, but may be completed at the merchant counter.

          Each time you use your Card, you authorize us to reduce the value available on the Card Account by the amount of the purchase or withdrawal and any applicable fees or costs. You are not allowed to exceed the available balance on your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges, including a $25 overdraft charge.

          You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your CardAccount. If you authorize a transaction, the approval may result in a hold for that amount of funds for up to thirty (30) days even if you do not complete the purchase. A hold may also result in connection with transactions associated with hotel reservations and car rentals.



          Authorized Users
          Only one Card will be issued per account. You are wholly responsible for all charges and fees incurred on your Card.


          Personal Identification Number ("PIN")
          You may select a Personal Identification Number (PIN) when you call to activate your Card. You should not write or keep your PIN with your Card. If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately following the procedures in the paragraph labeled "Your Liability for Unauthorized Transfers."


          Returns and Refunds
          In the event you need to return an item you purchased with your Card, the merchant will handle the return in accordance with MasterCard International guidelines. The merchant may credit your Card, provide a cash refund or issue a store credit.


          Receipts
          You should get a receipt at the time you make a transaction. You agree to retain your receipt to verify your transactions.


          Foreign Transactions
          If you make a transaction in a currency other than the currency in which your Card was issued, the amount deducted from your Card value will be converted by MasterCard International into an amount in the currency of your Card. MasterCard International will establish a currency conversion rate for this convenience. This percentage amount is independent of any amount taken by the Issuer in accordance with the terms and conditions of this Agreement.

          If you make a transaction in a currency other than the currency in which your Card was issued, we will increase the currency conversion rate (described above) by an additional 2% of the requested amount and will retain this amount as compensation for this service. This charge is independent of the currency conversion rate established by MasterCard International.



          Periodic Statements
          Statements in electronic format will be made available free of charge at www.westernunionprepaidservices.com for the current month and the two immediately preceding months. Additionally, you can check your Card’s balance and hear the last five transactions by calling 1-866-737-4949. However, unless you confirm to us (either during the enrollment process or on the web site) that you have access to a personal computer and printer outfitted with Internet Explorer, Netscape Navigator, or some similar Internet browser, and that you agree to receive your statements electronically at www.westernunionprepaidservices.com, we will also mail your statement to you at the address shown in our files. You will be charged a Monthly Statement Fee of $2.00 for each statement mailed to you. You will not be charged a Monthly Statement Fee for electronic statements.

          Your statement will contain certain information about the transactions conducted with your Card, value loaded on your Card, fees assessed against your Card during the period, as well as your Card number, the balance on your Card and other important information. You may request a paper copy of a particular statement for a $2.00 fee. To request a paper copy of a particular statement or change the manner in which you receive periodic statements, please call 1-866-737-4949.



          Fees and Charges

          A one-time non-refundable Activation Fee of $9.95 will be deducted from your Card Account at the time of your initial value load.

          The first PIN selection can be done at no cost. Subsequent PIN selections will be charged $1.00 per PIN selection.

          There is a Monthly Account Maintenance Fee of $4.95 per month while the Card is in use and has a positive balance. If the balance of the Card is less than $4.95, the balance of the Card will be applied to the fee.

          Each ATM cash withdrawal will be charged a Cash Withdrawal Fee of $2.00. If you use an ATM not owned by us, you may be charged a fee by the ATM operator including a balance inquiry even if you do not complete a withdrawal. There are no limits regarding the number of times you may withdraw cash per day, however you may not withdraw more than $500 per day from an ATM or teller.

          A Cash Advance Fee of $4.00 will be charged when using the Card to receive cash from a teller or non-ATM transaction.

          A Lost or Stolen Card replacement fee of $10.00 will be assessed when we replace a lost or stolen Card.

          You may elect to receive your Card sooner by agreeing to pay $19.95 for a Card Rush Delivery Option.

          A $10.00 Account Liquidation Fee will be assessed if a check is issued for funds in your Card Account.

          An Overdraft Fee of $25.00 will be assessed for each transaction which exceeds your available funds.

          A $2.00 fee will be assessed for each mailed statement or for requests for a particular statement.

          A $2.00 fee will be assessed per call for live customer service assistance.

          A $3.95 Western Union fee will be assessed each time you load funds with a Western Union Prepaid Services transaction.



          Confidentiality and Privacy
          We may disclose information to third parties about your Card or the transactions you make:

          Where it is necessary for completing transactions;

          In order to verify the existence and condition of your Card for a third party, such as merchant;

          In order to comply with government agency, court order, or other legal reporting requirements;

          If you give us your written permission, or

          To our employees, auditors, affiliates, service providers, or

          To our employees, auditors, affiliates, service providers, or attorneys as needed.

          We may also share information about you, your Card or the transactions you make with the Card sponsor, Western Union Financial Services, Inc. and its affiliates (companies that control, or are controlled by, Western Union, or are under common control with Western Union), including information about your participation in the program and the transactions you make, personal information, and any other information we may have about you. You agree that Western Union may use and disclose such information in accordance with its Privacy Policy which was included in this Card carrier package.

          If you do not want Western Union or us to share any such information we may have about you, you should notify us by calling 1-866-737-4949, by visiting us at www.westernunionprepaidservices.com, or by writing to us at the address provided in this Agreement. In your correspondence, please include the following information: your Card number, name, address, city, state, and zip code.



          Our Liability for Failure to Complete Transactions
          If we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

          If, through no fault of ours, you do not have enough value available on your Card Account to complete the transaction;

          If a merchant refuses to accept your Card;

          If an ATM where you are making a cash withdrawal does not have enough cash;

          If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;

          If access to your Card has been blocked after you reported your Card lost or stolen;

          If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;

          If we have reason to believe the requested transaction is unauthorized;

          If circumstances beyond our control (such as fire, flood or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken;

          Any other exception stated in our Agreement with you.



          Your Liability for Unauthorized Transfers
          Tell us AT ONCE if you believe your Card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. If you believe that your Card has been stolen, call us immediately at the number listed below. If you notify us within two (2) business days, you can lose no more than $0 if someone used your Card without your permission. If you do not notify us within two (2) business days after you learn of the loss or theft of your Card, and we can prove that we could have stopped someone from using your Card without your permission if you had promptly notified us, you could lose as much as $50. If you do not tell us within 60 days you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If your Card has been lost or stolen, we will close your Card Account to keep losses down.


          Other Terms
          Your Card will expire in two (2) years from the date of issue. Your Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of South Dakota except to the extent governed by federal law.


          Amendment and Cancellation
          We may amend or change the terms of this Agreement at any time. You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. We may restrict, cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.


          Information About Your Right to Dispute Errors
          Records detailing your use of your Card may be communicated to you by accessing your Card Account at www.westernunionprepaidservices.com. Telephone or write us at the telephone number or address listed below, as soon as you can, if you become aware of errors or transactions you did not make. We must hear from you no later than 60 days after we communicated the FIRST activity report on which the problem or error appeared.

          Provide your name and Card number (if any).

          Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

          Provide the dollar amount of the suspected error.

          If you provide this information orally, we may require that you send your complaint or question in writing within 10 business days.

          We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your Card within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes to complete the investigation. If we ask you to put your complaint or question in writing and you do not provide it within 10 business days, we may not credit your Card.

          For errors involving new Cards, point-of-sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question.

          We will tell you the results within three business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that were used in the investigation.

          Western Union® Prepaid MasterCard® Card c/o BANKFIRST P.O. Box 5012 Sioux Falls, South Dakota 57117-9874 1-866-737-4949






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