Federal Deposit Insurance Corporation (FDIC)

Lydian Private Bank and each of its divisions, VirtualBank and Lydian Bank & Trust, are the same FDIC-insured institution. Deposits held under each trade name are not separately insured, but are combined when determining FDIC insurance coverage. Our FDIC certificate number is 35356 and is registered under the Lydian Private Bank name.

To ensure funds are fully protected, depositors should understand their deposit insurance coverage limits. The FDIC provides separate insurance coverage for deposits held in different ownership categories such as single accounts, joint accounts, Individual Retirement Accounts (IRAs) and trust accounts.

Basic FDIC Deposit Insurance Coverage Limits*
Single Accounts (owned by one person)	$250,000 per owner**
Joint Accounts (two or more persons)	$250,000 per co-owner**
IRAs and certain other retirement accounts	$250,000 per owner
Trust Accounts	$250,000 per owner per beneficiary subject to specific limitations and requirements**

As a service to consumers, the FDIC lists financial institution rating services on their website, such as BauerFinancial, Inc. of Coral Gables, FL. BauerFinanical classified Lydian Private Bank as "Well-Capitalized", which is the highest capital classification available.

For additional information, visit the FDIC Website or call them at 877-ASKFDIC (877-275-3342).

* These deposit insurance coverage limits refer to the total of all deposits that an accountholder (or accountholders) has at each FDIC-insured bank. The listing above shows only the most common ownership categories that apply to individual and family deposits, and assumes that all FDIC requirements are met.

** The legislation authorizing the increase in deposit insurance coverage limits makes the change effective October 3, 2008, through December 31, 2009.