Since Bell Bank is a member bank of the FDIC, the FDIC also conducts regular examinations of Bell Bank. Like DFI, the FDIC examines the Wealth Management Division both in connection with its annual safety and soundness examinations of Bell Bank and in connection with its fiduciary examinations.

The DFI and the FDIC generally conduct joint fiduciary exams of the Wealth Management Division no less frequently than every other year. DFI and FDIC examiners review all fiduciary functions and product lines in the Wealth Management Division. A joint report of the examination and its findings is provided to the Board of Directors, the Audit Committee and the Wealth Management Committee. Management’s response to any regulatory findings is monitored by the Audit Committee and the Wealth Management Committee.

Deposit and loan products are offered through Bell Bank, Member FDIC.

_{Investing and wealth management products are: Not FDIC Insured | No Bank Guarantee | May Lose Value | Not A Deposit | Not Insured by Any Federal Government Agency}