ATM Locations Grand Marais State Bank has 8 ATMs throughout Cook County. ATMs are located at: • Grand Marais State Bank lobby and 24 hour drive up • Grand Portage Casino (2) • Grand Portage Trading Post • Ryden’s Border Store • Papa Charlie’s Saloon and Grill, Lutsen • Grand Marais State Bank, Tofte Branch 24 hour drive up                             Member FDIC NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts or money-market deposit accounts. Interest on Lawyers Trust Accounts (“IOLTAs”) are the exception. These accounts have unlimited deposit insurance until December 31, 2012. An Equal Housing Lender