America s Best Checking This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open.

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1 Truth in Savings Click here for checking account rates Understanding Your Deposit Account America s Best Checking This account features unlimited check writing, no monthly service fee and no minimum balance. $50 minimum deposit to open. LIMITATIONS: A maximum of 30 items may be deposited in a monthly statement period. If account balance is $0 for 45 consecutive days, the account will be closed. America s Best Interest Checking America s Best Interest Checking offers interest with no monthly service fee when a low minimum balance is maintained. RATE INFORMATION: The interest rate and annual percentage yield may change at our discretion, at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest is compounded and credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. BALANCE INFORMATION: $50 minimum deposit to open. You must maintain a minimum daily balance of $500 to obtain the disclosed annual percentage yield. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCOUNT FEES: If the minimum daily balance falls below $500 during the monthly statement period, there will be a service fee of $10. LIMITATIONS: A maximum of 30 items may be deposited in a monthly statement period. If account balance is $0 for 45 consecutive days, the account will be closed. America s Best Premier Interest Checking America s Best Premier Interest Checking offers our highest tiered rates of interest on checking accounts, with no monthly service fee when the minimum balance is maintained. RATE INFORMATION: The interest rate and annual percentage yield may change at our discretion, at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest is compounded and credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest. BALANCE INFORMATION: $50 minimum deposit to open. You must maintain a minimum daily balance of $5,000 to obtain the disclosed annual percentage yield. We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. ACCOUNT FEES: If the minimum daily balance falls below $5,000 during the monthly statement period, there will be a service fee of $10. LIMITATIONS: A maximum of 30 items may be deposited in a monthly statement period. If account balance is $0 for 45 consecutive days, the account will be closed.

2 ASSOCIATED ACCOUNT FEES The following fees apply to all checking and savings accounts: Stop Payment Fee $30 per item Account Reconciling Service $20 per hour (min. $20) Account Research $30 per hour (min. $30) plus $1 per page Additional Statements $5 each Returned Deposited Item Fee $5 per item Returned ACH Item Fee $5 per item (Applies to ACH Originators) For overdrafts created by check, in-person withdrawals, ATM withdrawals, or other electronic means, the following fees apply: Overdraft Item Charge $30 Returned Item Charge $30 Overdrawn Account Charge ($5 per day for a maximum of 5 business days, after account is overdrawn for 5 consecutive business days) The following fees apply to all checking accounts: Check Printing Price may vary depending on style Debit Card(s) Standard Bell Image Debit Card No charge Custom Image Debit Card No charge (not available on business cards) Rush Card Order Fee $30 per request (3-day delivery) Ready Reserve Annual Fee $25 Personal Line of Credit Annual Fee $25 The following fee applies to all personal and business checking accounts with no required minimum balance: Inactivity Fee $5 monthly non-refundable fee if the account has no customer initiated activity for 1 year and a balance below $100. The following fees apply to the Personal Online Banking Bill Payment service: Electronic Expedited Payment $9.95 each Paper Expedited Payment $19.95 each Miscellaneous fees and charges Cashier s Checks $5 each for non-account holder Personal Money Orders $5 each for non-account holder ($500 max.) Photocopies 25 per copy (after first 5) Domestic Collection Items: $30 per item; Foreign Collection Items: Cost may vary Night Depository Bag $20 per bag (Refundable Deposit) Written Deposit Verification $5 each Check Cashing Service 2% of check amount (rounded up to next dollar amount) (Non-account holder) FAX Fees (Outgoing/Incoming) $5 1st page ($1 each additional page) Legal Processing Fee $75 per service; Garnishment/Levy (excluding subpoena) Wire Transfer Fees Incoming $10 Outgoing $22 International US Currency (Outgoing) $40.00 International Foreign Currency (Outgoing) $80.00 Treasury Online Originated (Outgoing) $15.00 Treasury Online Originated International (US Currency) $15.00 Treasury Online Originated International (Foreign Currency) $55.00

3 Uniform Commercial Code Disclosures Regarding Electronic Wholesale Credit Transactions (Subject to Uniform Commercial Code Article 4A) PROVISIONAL PAYMENT: Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. NOTICE OF RECEIPT OF ENTRY: Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. CHOICE OF LAW: We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of North Dakota, as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving youraccount.

4 Bell Bank Funds Availability Policy Your Ability To Withdraw Funds This policy statement applies to all checking & savings accounts. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 7:30 p.m. on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 7:30 p.m. or on a business day we are not open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY. Safeguard Exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. If you are a new customer, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. MOBILE REMOTEDEPOSIT CAPTURE We will post your mobile banking deposit within two business days of receipt. Unless further review is required, funds will generally be available on the first business day after the day the deposit posted to your account. If further review is required, funds will generally be available no later than the third business day after the day the deposit posted to your account. DEPOSITS AT AUTOMATED TELLER MACHINES Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will generally be available no later than the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. If you make a deposit at an ATM we own or operate before 4:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM we own or operate after 4:30 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. All ATMs that we own or operate are identified as our machines.

5 ADDENDUM TO TERMS AND CONDITIONS Your account will be one master account that will be classified as two sub accounts on your records: one a non-transactional account and the other a transactional account. Balances will automatically be transferred by us from the non-transactional sub-account to the transactional sub-account to pay checks you have written, clear debits or any other items drawn on your account, subject to federal regulations. This is for our internal accounting procedures and does not affect your account balance, your statements, the way we process your checks, or any other features of your account. If your account is an interest bearing account, this change will have no effect on the interest you earn or the way interest is reported to you on your statement. By signing the signature card, you agree to these additions to the terms and conditions and acknowledge that you are opening a checking account and a savings account, as described above. Because of this, the last paragraph in the WITHDRAWALS section on page 1 of the Terms and Conditions of Your Account is amended as follows (the additional wording is underlined): WITHDRAWALS We may require not less than 7 days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D, or from any non-interest bearing, non-transactional account. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted any may be subject to penalty. See your notice of penalty for early withdrawal. ADDITIONAL ADDENDUM TO TERM AND CONDITIONS All checks drawn on your account must be written in black or blue ink. Other ink colors, gel pens, or pencil should not be used. Use of ink colors other than black or blue may result in illegible check images. There may be cases where you will need the check image to prove payment has been made. Member FDIC

6 PERSONAL CHECKING BONUS DISCLOSURE SPECIAL PROMOTION Bonus Information: You will receive $50.00 when you open a personal checking account with direct deposit or an automatic payment. Limit of $50.00 maximum per customer and per account. This is available to new first-time personal checking customers only. The $50.00 will be deposited to the new account after it has been open for 60 days and a direct deposit or automatic payment has occurred. This $50.00 promotion cannot be combined with any other offer. Checking Account Options Minimum Balance America s Best Checking None America s Best Interest Checking $ 500 America s Best Premier Interest Checking $5,000 You will receive a 1099-INT form for the incentive check, which is reported to the IRS as income. Member FDIC 05/2017

7 $200 MORTGAGE BONUS DISCLOSURE SPECIAL PROMOTION Bonus Information: You will receive $ when you open a personal checking account with direct deposit or an automatic payment. Limit of $ maximum per customer and per account. This is available to mortgage loan customers with a current promo code opening a new first-time personal checking account. The $ will be deposited to the new account after it has been opened for 60 days and a direct deposit or automatic payment has occurred. This $ promotion cannot be combined with any other offer. Checking Account Options Minimum Balance America s Best Checking None America s Best Interest Checking $500 America s Premier Interest Checking $5,000 You will receive a 1099-INT form for the incentive check, which is reported to the IRS as income. Member FDIC 10/2017