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The board of a state trust company is responsible for the proper exercise of fiduciary powers by the state trust company and each matter pertinent to the exercise of fiduciary powers, including:

  1. The determination of policies;
  2. The investment and disposition of property held in a fiduciary capacity; and
  3. The direction and review of the actions of each officer, employee, and committee used by the state trust company in the exercise of its fiduciary powers.