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

Revision Date 10/2005