Important FDIC Disclosures

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 insurance depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transactions accounts, visit www.fdic.gov.

PERMANENT INCREASE IN BASIS COVERAGE TO $250,000 PER DEPOSITOR

The Dodd-Frank Wall Street Reform and Consumer Protection Act signed by President Barack Obama on July 21, 2010, made permanent the current standard maximum deposit insurance amount (SMDIA) of $250,000. The FDIC coverage limit applies per depositor, per insured depository institution, for each account ownership category.

If you have questions about FDIC coverage limits and requirements, visit www.myFDICinsurance.gov or call toll free 1-877-ASK-FDIC or ask a Platinum Bank representative at (651) 332-5200.

THE MORE YOU KNOW ABOUT FDIC DEPOSIT INSURANCE COVERAGE, THE SAFER YOUR MONEY

To ensure funds are fully protected, depositors should understand their coverage limits and confirm that a financial institution is FDIC-insured.

The FDIC sign (shown below) is displayed at every FDIC-insured institution and is a symbol of confidence for depositors.

For more information from the FDIC -- Calculate insurance coverage

Use the FDIC’s online Electronic Deposit Insurance estimator at: www.fdic.gov/edie

Call toll-free

1-877-ASK-FDIC (1-877-275-3342)

Hearing impaired line

1-800-925-4618

Send questions by e-mail

Use the FDIC’s online Customer Assistance Form at: www2.fdic.gov/starmail

Mail questions

Federal Deposit Insurance Corporation
Attn: Deposit Insurance Outreach
550 17th Street, NW
Washington, DC 20429

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