As a leading community bank in the Lakes Area,
we are proud to offer you a full range of financial services.

Whatever your needs may be, our staff of experienced
professionals at our locations in Nisswa, Crosslake and Baxter
will give you the fast and friendly service you deserve.

Transaction Account Guarantee Program

Northern National Bank is participating in the FDIC's Transaction
Account Guarantee Program. Under that program, through
December 31, 2009, all non-interest-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.

Note:  Interest-bearing-transaction accounts (NOW Accounts)
with a rate of .50% and less are also fully guaranteed.

On October 3, 2008, FDIC deposit insurance temporarily increased
from $100,000 to $250,000 per depositor through December 31, 2009.