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Checking Accounts Savings Accounts Soaring Eagles Club CDs/IRAs CDARS Personal Loans Credit Cards ATM/Debit Cards E-banking Merchant Credit Cards	Maggie Olson, Retail Banking Officer Diane Brelie, Personal Banking Officer Lucy Ludolph, Silver Bay Branch Manager Deb Bolen, Super One Branch CSR
Commercial Loans and Lines of Credit	Steve McLachlan, Executive Vice President, Commercial Loans Dale Moe, Vice President & Commercial Lender
Mortgage Loans and Fractional Vacation- Home Financing	Angela Costley, Mortgage Banker
Harbor Mates Club	Ann Bradley, HMC Director
Additional Bank Contacts	Peter Jeronimus, President Christina Cavallin, Chief Financial Officer Sandy Carlson, VP of Operations Deb Ruberg, Executive Secretary

THE LAKE BANK
613 First Avenue
Two Harbors, MN 55616
(218) 834-2111
(218) 834-5373 FAX

SILVER BAY BRANCH
88 Outer Drive
Silver Bay, MN 55614
(218) 226-4959
(218) 226-4962 FAX

SUPER ONE BRANCH
802 11th Street
Two Harbors, MN 55616
(218) 834-2110
(218) 834-3159 FAX

FDIC deposit insurance set permanently at $250,000 per depositor. The Lake Bank is also participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. Investment Checking accounts earn a rate higher than allowed under this program, therefore, are not guaranteed above normal FDIC insurance limits.