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          Western Union® Prepaid MasterCard®

          Debit Card Agreement

          Cardholder Agreement
          IMPORTANT - PLEASE READ CAREFULLY


          1. Terms and Conditions/Definitions for the Western Union® Debit Card
          This document constitutes the agreement ("Agreement") outlining the terms and conditions under which the Western Union Debit Card has been issued to you. By accepting and 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 Debit Card issued to you by BankFirst. BankFirst is a FDIC insured member institution. "Issuer" means BankFirst. "Card Account" means the records we maintain to account for the value of claims associated with the Card. You acknowledge and agree that the value available on the Card is limited to the funds that you have loaded onto the Card, or have been loaded onto the Card on your behalf. "You" and "your" means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," "us," and "our" means BankFirst, our successors, affiliates or assignees. 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.

          Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card 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. The Card is a prepaid card. The Card is not connected in any way to any other account. The Card is not a credit card. You will not receive any interest on your funds on the Card. Our business days are Monday through Friday excluding holidays. Saturday, Sunday, and federal holidays are not considered business days, even if we are open. 

          Personal Identification Number ("PIN")
          We may, at our option, give you a Personal Identification Number ("PIN"). If we give you a PIN, you may use your Card to obtain cash from any Automated Teller Machine ("ATM") or any Point-of-Sale ("POS") device, as permissible by merchant, which requires entry of a PIN that bears the STAR® or Cirrus® brand. All ATM transactions are treated as cash withdrawal transactions. 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."

          Expiration Date
          The expiration date of your Card is two (2) years from the date of purchase. If you’ve opted to apply for a Western Union® Prepaid MasterCard® Card and are approved for the Western Union Prepaid MasterCard Card, upon activation of the Western Union Prepaid MasterCard Card, your Western Union Debit Card will be deactivated and no longer available for use. Any value available on your Card will be transferred to the Western Union Prepaid MasterCard Card. The Western Union Prepaid MasterCard Card is issued by BankFirst.



          2. Using Your Card/Features, Loading Your Card
          The minimum amount of the initial value load is $5.00. The maximum amount of the initial value load is $300.00. The maximum value of your Card is restricted to $300.00. This Card is not reloadable. You may not add funds or additional value to your Card.

          You may use your Card to purchase or lease goods or services wherever STAR cards are accepted as long as you do not exceed the value available on your Card Account. You are responsible for all authorized transactions initiated by use of your Card. If you permit someone else to use your Card or Card number we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and paying the remainder of the balance with another form of legal tender.

          If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet 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. Your Card cannot be redeemed for cash. You may use your Card to access cash at an ATM. You may not use your Card for any illegal transaction.

          Each time you use your Card, you authorize us to reduce the value available on your Card Account by the amount of the transaction. You are not allowed to exceed the available amount 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.

          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 Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days.



          3. Returns and Refunds
          If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds.


          4. Foreign Transactions
          Your Card may not be used outside of the United States, except for the following territories or commonwealths: Federated States of Micronesia, Northern Mariana Islands, Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, Baker Island, Howland Island, Jarvis Island, Kingman Reef, Midway Islands, Navassa Island, Palau Palmyra Atoll, and Wake Island.


          5. Receipts
          You should get a receipt at the time you make a transaction or obtain cash using your Card. You agree to retain your receipt to verify your transactions.


          6. Periodic Statements
          Statements in electronic format will be made available free of charge at www.westernunionprepaidservices.com during each month in which a transaction occurs. You may choose to have a paper statement mailed to you. However, there is a fee for this service.


          7. Fees and Charges
          Each cash withdrawal will be charged a Cash Withdrawal Fee of $ 2.00.

          If you use an ATM not owned by us for any transaction, including a balance inquiry, you may be charged a fee by the ATM operator even if you do not complete a withdrawal.

          A fee of $2.00 will be assessed for each paper statement requested.

          There is a Monthly Account Maintenance Fee of $4.95 per month while the Card is active 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.

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

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

          There is a Non-refundable Card Activation Fee of $14.95.



          8. Confidentiality
          We may disclose information to third parties about your Card or the transactions you make:
          (1) Where it is necessary for completing transactions;
          (2) In order to verify the existence and condition of your Card for a third party, such as merchant;
          (3) In order to comply with government agency, court order, or other legal reporting requirements;
          (4) If you give us your written permission;
          (5) To our employees, auditors, affiliates, service providers, or attorneys as needed;
          (6) In accordance with the Privacy Policy of BankFirst.



          9. 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: (1) If, through no fault of ours, you do not have enough funds available on your Card to complete the transaction;
          (2) If a merchant refuses to accept your Card;
          (3) If an ATM where you are making a cash withdrawal does not have enough cash;
          (4) 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;
          (5) If access to your Card has been blocked after you reported your Card lost or stolen;
          (6) If there is a hold or your funds are subject to legal process or other encumbrance restricting their use;
          (7) If we have reason to believe the requested transaction is unauthorized;
          (8) 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;
          (9) Any other exception stated in our Agreement with you.



          10. Your Liability for Unauthorized Transfers
          Tell us AT ONCE if you believe your Card has been lost or stolen. Telephoning toll-free at 1-866-737-4949 is the best way of keeping your possible losses down. IF YOU BELIEVE THAT YOUR CARD HAS BEEN STOLEN, OR THAT SOMEONE HAS TRANSFERRED OR MAY TRANSFER MONEY FROM YOUR CARD ACCOUNT WITHOUT YOUR PERMISSION, CALL US TOLL-FREE AT 1-866-737-4949. IF YOU NOTIFY US WITHIN TWO (2) BUSINESS DAYS, YOU CAN LOSE NO MORE THAN $50 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 $500. Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time and you are grossly negligent or fraudulent in the handling of your Card. If your Card has been lost or stolen, we will close your Card Account to keep losses down.


          11. Other Terms
          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 any time. 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.


          12. 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 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.


          13. Information About Your Right to Dispute Errors
          In case of errors or questions about your electronic transactions, call 1-866-737-4949 or write to Western Union Debit Card c/o BankFirst, PO Box 5012, Sioux Falls, SD 57117-9874 if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact us no later than sixty (60) days after we have sent you the FIRST statement on which the problem or error appeared.
          (1) Provide your name and Card number (if any).
          (2) Describe the error or the transaction you are unsure about and explain why you believe it is an error or why you need more information.
          (3) 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 ten (10) business days.

          We will determine whether an error occurred within ten (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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your Card within ten (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 ten (10) business days, we may not credit your Card.

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

          We will tell you the results within three (3) business days after completing the investigation. If we decide that there was no error, we will send you a written explanation. Copies of the documents used in the investigation may be obtained by contacting: Western Union Debit Card c/o BankFirst, P.O. Box 5012 Sioux Falls, SD 57117-9874.



          OUR PRIVACY POLICY
          We are committed to providing you quality products and services while protecting your privacy and security. This Privacy Policy explains what information we collect about you, with whom we share it, and when you can direct us not to share certain information with certain parties.

          Privacy practices of third parties
          We are not responsible for the privacy policies or practices of any non-affiliated third party. We encourage you to review their privacy policy before providing them with any personally identifiable information. Third parties may collect and use information about you in a way that is different from this Policy

          Who "we" are

          In this Privacy Policy, we, us or our mean:
          Marshall BankFirst Corp. -- a bank holding company and the following wholly owned subsidiaries:

          Marshall Bank, N.A. -- a nationally chartered bank located in Minnesota

          BankFirst -- a South Dakota state chartered bank with additional offices in Minnesota and Arizona
          Marshall Investments Corporation
          Marshall Real Estate Corporation
          Marshall Capital Corporation
          Marshall Financial, Inc.

          We are affiliated companies, under common ownership. We have combined our Privacy Policies because you may be a customer of more than one of us, and our Policies are the same.

          A non-affiliated third party is a company that is not an affiliate as described above and includes any person who is not employed by us.

          Who "you" are
          This Privacy Policy will apply to you if you are a consumer who has a continuing relationship with one or more of us. A consumer is a natural person (not a corporation or other legal entity) whose account covered by this Policy is established for personal, family or household purposes (as opposed to a business purpose).

          If you have a joint account with us, you should share this Policy with the persons who share your account. They may not receive a separate notice. If you have more than one account with us, you may only receive one copy of this Policy.

          The practices described in this Policy also apply to our former customers.

          What “information” is
          The term information as used in this Privacy Policy means non-public personal information. This is a legal term which generally means:
          1) Information that can identify you such as your name, address or social security number,
          2) that is not publicly available, and
          3) that we collect in connection with providing a financial product or service to you.

          Our information collection practices In order to provide you with quality products or services, we collect and maintain information about you. This includes personal and financial information which is generally not available to the public. We get this type of information from various sources, including:

          Information you provide to us on applications or other forms, whether in person, by mail, over the telephone or via the Internet. This information may include, for example, your name, address, social security number, or date of birth.

          Information we learn through your financial transactions with us. This may include information on your account balance, transaction history, and account usage.

          Information we receive from a credit reporting agency (credit bureau), if applicable. This may include your credit score and credit history.

          Information we receive from our affiliates and from non-affiliated third parties, relating to their transaction experience with you.
          We do not collect information from minors under the age of 13 without parental permission.



          Information we share with affiliates
          We may share between us, information derived from transactions we conduct on your behalf. Under Federal law, you may not opt-out of disclosure of this information.

          We may also share between us, information you provide to us on applications or forms or information we receive from credit reporting agencies or other companies, related to your credit worthiness or payment history. You may opt-out of the disclosure of this information as described below.

          Information we share with service providers and joint marketers
          We may disclose information we collect to companies that perform services on our behalf such as preparing and mailing monthly statements or responding to customer inquiries. We may also provide this information, except for information from consumer reporting agencies, to companies who perform marketing services for us or to other financial institutions with which we have joint marketing agreements. You may not opt-out of the disclosure of this information.

          Information we share with non-affiliated third parties
          We do not disclose any information about you to non-affiliated third parties, except as permitted by law.

          Our data security procedures
          We restrict access to non-public personal information about you to those persons who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your non-public personal information.

          Changes to this Policy
          We may make changes to this Privacy Policy at any time. If we do, we will provide you with a notice of such changes as required by law. This Policy replaces any other previous Privacy Policy about our customer information sharing practices.

          Compliance with State Law
          We will comply with more restrictive state laws to the extent that they apply to us.

          Opt-out procedures
          If you prefer that we not disclose non-public personal information about you with affiliates, you may opt-out of those disclosures (other than disclosures permitted by law) by calling us toll-free at the number listed below. Please allow several weeks for your opt-out request to take effect. Your election to opt-out will remain in effect until revoked by you in writing. Please understand that even if you choose to opt-out, we may continue to share your non-public personal information with affiliates and certain non-affiliated third parties as permitted by applicable law.



          For more information
          Call toll free: 1-877-554-2339
          Revised: 10/2005





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