First International Bank & Trust started as a single branch in Arnegard, North Dakota, and over 109 years has evolved into a bank with 28 locations in North Dakota, South Dakota, Minnesota, and Arizona. We offer more than just banking. Our suite of expanded services is what makes us a full-service bank that our customers can count on. From Private Banking to Insurance services, we have the financial solutions to fit the needs of every one of our customers. In April 2018, we added a leading electronic payments processor. Behind the scenes of an electronic transaction, multiple financial institutions form a complex network to ensure the movement of funds. That process is made seamless with Kotapay. Every day we think about how we can make our bank better, and our communities stronger. We were recognized for those efforts on a national stage in 2018. The Institute for Extraordinary Banking™ named First International Bank & Trust its top bank at the Best Banks in America™ Super Conference. We believe in giving back to our communities. Across our footprint, First International Bank & Trust donated millions of dollars to community and non-profit organizations, and our employees volunteered nearly 4,000 hours. Our Mission: To be nationally recognized as a community bank whose innovation and drive for excellence is propelled by the best financial experts with a heart. Our Company Vision: Our customers leave feeling like family. Our Values: ◾Own the Choices You Make ◾Speak Up Respectfully ◾Make Decisions with Integrity ◾Take Pride in Your Work ◾Act Like Your Ride is Waiting ◾Learn from Yesterday, Rush for Mastery ◾Leave Your Mark on Our Communities ◾Seek the Sunshine Every Day First International Bank & Trust (North Dakota, Minnesota and Arizona) is owned by Watford City Bancshares, Inc., which is owned by the Stenehjem family. First International Bank & Trust is a full-service, independent community bank, a member of FDIC, and an equal housing lender.

With roots in student loan origination, servicing and collection, ZuntaFi has developed a seamless loan platform providing partners with an end-to-end solution for consumer lending. Our platform offers flexibility to develop custom finance products to suit each partner's market and customers. This turn-key solution requires no additional staffing and no technology investment. Loan customers receive personal service from our team, based in South Dakota, who is passionate about providing assistance and guidance from application through payoff.

The NDIRF is a not-for-profit organization owned by its members and is the source of risk services to North Dakota's political subdivisions. Together with our members, we continue to reduce the cost of public risk in North Dakota. Our joint efforts provide safer facilities in which to live, work, and participate in recreational activities.

The Native American Agriculture Fund (NAAF) provides grants to eligible organizations for business assistance, agricultural education, technical support and advocacy services to support Native farmers and ranchers. The charitable trust was created by the settlement of the landmark Keepseagle v. Vilsack class-action lawsuit. NAAF is the largest philanthropic organization devoted solely to serving the Native American farming and ranching community.