Northwoods Bank of Minnesota

Lake Area Bank is a financial institution that provides a variety of personal and business banking products and services. The company s personal banking products include free and interest-bearing checking accounts, savings accounts, certificates of deposit, individual retirement accounts, and home equity loans and lines of credit. Its commercial products include checking accounts, savings accounts, certificates of deposit, real estate loans, operating lines of credit, equipment financing and Small Business Association loans. In addition, the company offers several investment services through Fintegra Financial Solutions. Investment products include mutual funds, money market funds, individual retirement accounts, stocks, tax-favored investments, government bonds and corporate bonds. Lake Area Bank operates locations in Forest Lake, Hugo, Maplewood, White Bear Lake and Lindstrom, Minn.

Frandsen Bank & Trust offers a full range of banking services including, but not limited to, business and agriculture lending, home mortgages and cabin loans, commercial and farm real estate lending and full suite of treasury management products. We also provide remote deposit, positive pay, electronic payment processing, consumer loans and deposits, plus many other personal and business banking services through our and mobile platforms. We are a true community bank that serves over 30 communities across Minnesota, North Dakota, and Wisconsin. We provide customized banking services that help our clients achieve their financial goals. Our relationship-based approach allows us to serve each customer individually, providing them with personalized service and advice.