This Platinum Home Banking (Internet Banking) agreement ("Agreement") governs your use of internet banking and bill payment services by personal computer using the Internet with Platinum Community Bank ("Platinum") for consumer accounts. This Agreement only applies to consumer transactions. By applying for and using Platinum Home Banking, you agree to be bound by this Agreement and accept its terms and conditions as they may be amended. All Platinum Home Banking transactions are also subject to applicable laws, regulations, rules, the Understanding Your Deposit Account brochure, Service Charge Schedule, and other agreements covering your accounts at Platinum.

Definitions
Platinum Home Banking refers to Platinum's internet-accessed banking and bill payment service, and may be referred to as the "Services." The terms "we," "us" and "Bank" refer to Platinum and the term "you" refers to the Services user, whether singular or plural, who applied for use of the Services for designated accounts and was approved by the Bank. "Account" and "Accounts" refer to your Platinum accounts that you designated, and we approved, for the Services use.

Eligibility
To use the Services, you must have an eligible Platinum checking Account. Only those Accounts designated by you and approved by us may be accessed through the Services. We reserve the right to restrict use of the Services for one or more types of Accounts or transactions and to impose other limits or restrictions on use of the Services. You can only access Accounts on which you are an authorized signatory. You can not use the Services to make transactions from Accounts where more than one signature is required for withdrawal.

Passcode and Security
The Bank will provide you with a confidential username and passcode that you must use to access your Accounts through the Services. You agree that use of your username and passcode constitutes your authorization for all transactions made using your username and passcode, including all pre-authorized electronic fund transfers, and has the same effect as your written signature. You agree not to give or make your username and passcode available to any unauthorized individuals. If you believe that your username and/or passcode is lost or stolen, or that someone may attempt to use the Services without your consent or has transferred money without your permission, you must notify the Bank at once by calling (847) 590-5200. If you believe that your username and/or passcode is lost or stolen, please call us; do not send an email message.

Available Services
You may use the Services to access your Accounts for internet banking and bill payment services by personal computer as designated on your enrollment form and approved by the Bank or as otherwise permitted by the Bank. The Services are available 24 hours a day, 7 days a week. However, the Services may not be available from time to time for system maintenance. You can use the Services for your Accounts to:

• View "real-time" account balances and account information for your deposit Accounts;
• Review transaction history on your Accounts;
• Transfer funds between your deposit Accounts;
• Schedule future or recurring transfers;
• Make payments to a person or business in the United States;
• Schedule future or recurring bill payments;
• Change or cancel transfers and payments;
• Inquire about specific payments;
• Communicate with us by email, and
• Export account information to other software applications.

Transaction Information
Unless otherwise indicated, the balance information displayed through the Services is the current balance in your Account, not necessarily your available funds balance. Transaction history that you obtain through the Services is current as of the close of business on the preceding business day.

Business Days
Our business days are Monday through Friday, excluding bank holidays.

Processing Times
Immediate transfers will be completed at the time the Bank receives your request. Future dated and recurring transfers will be completed by 6:00 a.m. (CST) on the date they are scheduled to be made. Future dated and recurring transfer requests must be received by 8:00 p.m. (CST) on the business day prior to the date that the transfers are scheduled to be made. Future dated and recurring transfers that are scheduled to be made on a Saturday, Sunday or bank holiday will be made on the next business day. Bill payment requests received after 8:00 p.m. (CST) on a business day or anytime on a non-business day will be processed on the next business day.

Transfer Processing
Scheduled transfers will only be made if there are sufficient available funds in your Account at the time the transfer is scheduled to be made. The amount of each transfer will be debited from your Account at the time that the transfer is made.

Bill Payment Service
You can use the Services to schedule a bill payment to a business or individual ("Payee") in the United States. Payments can be scheduled on a one-time or recurring basis. Recurring payments are those made for the same dollar amount on the same date each month.

Recurring payments can not be scheduled more than 365 days in advance unless the first scheduled payment is due within 365 days from the date it was originally scheduled. Bill payments can only be made from a checking Account. If you use more than one checking Account to make bill payments, you must designate the Account from which the payment is to be made ("Payment Account") each time you schedule a payment.

By providing Platinum with the names and account information of Payees, you authorize us to follow the payment instructions that we receive from you through the Services and to rely on the accuracy of all of the information that you provide to us. It is your responsibility to update the Payee and payment information if there are any changes. It remains at our discretion to determine the appropriate method for processing payments to Payees; we may choose to make payments electronically or by check.

You cannot make tax and court directed payments through the Services. At our discretion, we may refuse to pay any Payee and refuse to make payments that we believe are fraudulent or erroneous. We will notify you promptly if we refuse to make a payment to a Payee (except if you attempt to make tax or court directed payments or pay Payees outside of the United States).

The business day that you select to have your bill payment made ("Scheduled Payment Date") must be no less than four business days before the actual due date, not the late date and/or a date in the grace period. While it is anticipated that most transactions will be processed and completed on the next business day after the Scheduled Payment Date, it is understood that due to circumstances beyond the control of the Services, particularly delays in handling and posting payments by slow responding Payees or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to your Payee account. On the Scheduled Payment Date, we will debit your Payment Account and send the funds to the Payee. You must have sufficient available funds in your Payment Account on the Scheduled Payment Date for the payment to be processed. We are not liable for any late payments where you do not allow for sufficient processing time. See the Our Liability section of this Agreement.

All bill payments scheduled to be made on a Saturday, Sunday or federal holiday will be made on the previous business day. If a recurring bill payment is scheduled to be paid on a date which does not occur in a given month, e.g. the 29th, 30th or 31st, it will be paid on the previous business day.

Limitations on Transfers and Payments
The maximum dollar amount of any transfer or bill payment is $99,999.99. For security reasons, we may impose additional limits on the dollar amount of bill payments or transfers from your Account.

Limitations on the Frequency of Transactions on Money Market and Savings Accounts
In accordance with federal regulations, no more than six pre-authorized, automatic or telephone transfers or withdrawals (including online banking and bill payment services transactions) are permitted from a money market or statement savings Account in a statement cycle. Three of these six transfers or withdrawals may be made by check, draft, or POS withdrawal (to the extent that these services are available on an Account). A charge may be assessed for each transfer or withdrawal that exceeds these restrictions in accordance with our Service Charge Schedule. We may close your Account if you continue to exceed these limitations.

You may not make any transfers from passbook Savings accounts to another account of yours or to third parties by preauthorized, automatic, or telephone transfer or similar order to third parties.

Stopping, Modifying or Canceling Payments and Transfers Payments
You may cancel or edit any payment (including recurring payments) prior to the business day before the Scheduled Payment Date by following the directions within the Services.

If you desire to cancel or stop any payment on the Scheduled Payment Date or the business day before the Scheduled Payment Date, you must call the Personal Banking Department at (847) 590-5200. We may not have a reasonable opportunity to act on a stop payment or canceled order during this time period. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. Stop payment requests sent to us via electronic mail or in any other manner will not reach us in time for us to act on your request. Stop payment requests will be accepted only if we have a reasonable opportunity to act on such requests.

It is not possible to stop or cancel a payment beginning with the business day after the Scheduled Payment Date.

Transfers
You may modify or delete future dated or recurring transfer requests made using the Services prior to 4:00 a.m. (CST) on the date the transfer is scheduled to be made. Immediate transfers can not be cancelled after the transfer request is received by the Bank.

Fees and Charges
There is no charge for the internet banking services you conduct using Platinum Home Banking. Please see the Service Charge Schedule for other charges that may apply to your Accounts.

You agree to pay all fees and charges related to the Services and your Accounts as set forth in this Agreement, the Understanding Your Deposit Account brochure and Service Charge Schedule and any expenses, costs and fees relating to any transaction using the Services or enforcement of this Agreement. This includes reasonable attorney's fees and legal expenses, subject to limitations imposed by federal and state laws and regulations.

Use of the Services
As a condition of using the Services, you agree that you will:

1. Not allow anyone else to use the Services to access your Accounts or make transfers or bill payments;
2. Safely keep your username and passcode in your sole possession and not disclose or make them available to anyone else;
3. Only use the Services in accordance with this Agreement and any other instructions we furnish to you for the purposes authorized by us; and
4. Immediately report to us any loss, theft, or suspected unauthorized use of your Accounts through the Services.

YOUR LIABILITY In General
You authorize us to credit or charge your Accounts for all payments and transfers initiated through the Services with your username and passcode. You are liable for all of these transactions and for all unauthorized transactions to the extent permitted by applicable state and federal law.

For Unauthorized Transfers
If you believe that your username and passcode has been lost or stolen, or that someone transferred or may transfer funds from your Account without your permission, please call us immediately at (847) 590-5200.

If you tell us within two business days after you discover your passcode has been lost or stolen, you can lose no more than $50 if someone uses your username and passcode without your permission. If you do not tell us within two business days after you learn of the loss or theft of your username and passcode, and we can prove that we could have stopped someone from using your passcode without your permission if you had told us, you could lose as much as $500. If your monthly statement contains transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money had you told us within this time frame.

If a good reason (such as long trip or hospital stay) kept you from telling us, we will extend the time periods.

OUR LIABILITY We will use our best efforts to make all your transfers and payments properly. If you follow the terms and conditions described in this Agreement and other instructions provided to you, and we fail to process a payment on the Scheduled Payment Date, we will bear responsibility for the late charges that you incur up to a maximum of $200.00. We will not be liable for any payment, including any late charges or penalties, if you do not comply with the terms and conditions of this Agreement and other instructions provided to you, including but not limited to, your failure to schedule a payment without allowing sufficient time for the payment to be processed. Additionally, we have no obligation to make payments or transfers and shall incur no liability or obligation for late charges or penalties if we are unable to complete any payments that you initiate through the Services due to any one or more of the following circumstances:

1. Your Account is closed, does not contain sufficient available funds to complete the payment or transfer, is subject to legal process or otherwise encumbered;
2. Your equipment, software or the Services is not working properly and you know, or are advised, about the malfunction before you execute the transaction;
3. The Payee mishandles or delays a payment sent by us or the payment is delayed or mishandled in the United States mail;
4. You do not provide us with the correct names, telephone number or account information for Payees or you otherwise fail to comply with applicable requirements;
5. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force, strikes, lockouts, acts of governmental authorities, delays of couriers or supplies, communications equipment failures, service interruptions on the Internet or through your Internet service provider, or equipment malfunctions that occur despite ordinary maintenance) prevent the proper execution of the transaction and we take reasonable precautions to avoid these circumstances;
6. Our agreement to provide the Services to you is terminated;
7. Applicable law prevents completion of the transfer; or
8. Unusual or extraordinary circumstances that indicate improper or unlawful use of your Account.

Our sole obligation to you arising out of non-availability, interruption, or delay in providing the Services, shall be to use commercially reasonable efforts to resume the Services.

THE PROVISIONS CONTAINED IN THE PRECEDING PARAGRAPHS CONSTITUTE OUR ENTIRE LIABILITY TO YOU AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL WE, OR ANY OF OUR AGENTS OR SUBCONTRACTORS, BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF WE ARE ADVISED OF THE POSSIBILITY) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF SOFTWARE, EQUIPMENT, AND/OR THE SERVICES. THE BANK IS NOT LIABLE FOR ANY DAMAGES OR LOSS THAT MAY BE CAUSED TO ANY EQUIPMENT AND OTHER SOFTWARE DUE TO ANY VIRUSES, DEFECTS OR MALFUNCTIONS.

Exclusion of Warranties
THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED 'AS IS' WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

Customer Service
Please call us with your questions or if you need assistance in using the Services between 8:30 a.m. and 5:00 p.m. (CST) Monday through Friday and 8:30 a.m. and 1:00 p.m. (CST) Saturday at (847) 590-5200.

Errors and Questions
In case of errors or questions about your internet banking and bill payment transactions, you should:

1. telephone us at (847) 590-5200 or
2. write us at
   Platinum Community Bank
   2915 Kirchoff Road
   Rolling Meadows, Illinois 60008

as soon as you can if you think that your bank statement is wrong or you need more information about a transfer or bill payment listed on the statement. We must hear from you no later than 60 days after we send the first paper or internet statement on which the problem or error appeared.

You must:

1. Tell us your name and Account number;
2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and
3. Tell us the dollar amount of the suspected error.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we do decide to do this, we will credit your Account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not recredit your Account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Returned Items and Overdrafts
At our discretion, we may return or not complete an electronic bill payment or transfer for any of the reasons stated in this Agreement, including where there are not sufficient available funds in your Account to cover the transaction on the day the payment or transfer is to be made. If we make a payment or transfer that is returned or that is paid on an overdrawn Account, you may be charged for the returned or paid item and for each day that there is activity in your Account and it remains overdrawn as stated in the Understanding Your Deposit Account brochure and Service Charge Schedule.

Additionally, you agree to reimburse us immediately upon demand for the amount of the payment or transfer and any related fees or charges.

Statements and Records
You can use the Services to request or print a statement of transactions from your Account. These statements are not considered official records of the Bank. You will continue to receive your regular monthly bank statements for all checking, and money market Accounts. A monthly bank statement will be issued for statement savings Accounts with electronic fund transactions in a particular month. Regular statement savings account statements will be issued at least quarterly.

Your use of the Services, conversations with Customer Service representatives, and email messages may be monitored or recorded in order to help us provide you with better service. You consent to this as a condition of using the Services.

Modifications of Accounts and Services
If you use the Services to modify any Accounts, services or information pertaining to your Accounts and services, you authorize us to accept your electronic request as though it was made in writing and signed by you.

Notices and Email
You may use the Services to send us email messages. We may also send messages and notices to you via email. All confidential information should be sent to us using the appropriate screens in the Services. All information that you provide to us using the Customer Service or Read/Write messages screens is encrypted for your security and privacy. We recommend that you do not send any confidential information to us using any other email service. Email messages to us are not considered received by us until they are opened by our representatives. However, if you must contact us immediately, such as if you suspect unauthorized use of your Account, you should contact us at the telephone number listed in the Errors and Questions section of this Agreement to ensure that your inquiry receives prompt attention.

Address Changes
You agree to notify us promptly, in writing, of any change of address at:

Platinum Community Bank
2915 Kirchoff Road
Rolling Meadows, Illinois 60008

Disclosure of Account Information to Third Parties
We may disclose information to third parties about your Account or the bill payments or transfers you make:

1. Where it is necessary for completing transactions;
2. To verify the existence and condition of your Account to a third party, such as a credit bureau or Payee;
3. To utilize services of third parties and affiliate entities who assist us in providing the Services;
4. To comply with government agency rules or court orders;
5. If you give us your permission;
6. If any of your Accounts become delinquent or overdrawn, or involved in legal proceedings, information may be released to attorneys, accountants, collection bureaus, financial institutions, and others involved in collection, adjustment, settlement or reporting;
7. To protect against potential fraud and other crimes; or
8. When otherwise permitted by law.

Information Authorization
You authorize us to obtain credit information about you at any time. You also agree that we may obtain additional information from a Payee or financial institution regarding your accounts to resolve payment problems.

Termination or Discontinuation
If you wish to discontinue use of the Services, you must send us a signed written request by United States mail at the address listed in the Errors and Question section of this Agreement at least 10 days prior to termination. If you discontinue the Services, it is your obligation to cancel all outstanding scheduled payments and transfers. If you do not cancel your outstanding payments and transfers, we may continue to make these payments and transfers.

Once we have acted upon your termination notice, or if we terminate your use of the Services, we will make no further transfers or payments from your Accounts through the Services, including any transfers or payments you have previously authorized. We may suspend or terminate your use of the Services at any time without notice or refund of previously incurred fees. Neither termination nor discontinuation shall affect your liability or obligations under this Agreement.

Change in Terms
We may modify this Agreement, including any applicable fees or charges, at any time. We will send you notification of the change by email or United States mail at least 21 days before it takes place if the change involves the imposition of, or an increase in, a fee, an increase in your liability, fewer ways you can use the Services, or stricter limitations on use of the Services. Your use of the Services after any change or amendment constitutes your agreement to the change and to pay any applicable fees.

Additionally, we may revise or update the Services at any time. We reserve the right to terminate your use of prior versions of the Services, and limit access to more recent revisions and updates. If any expanded Services are made available to you, you agree that any additional or modified Services are also subject to this Agreement, as it may be amended.

Deposit and Credit Agreements
The terms and conditions in this Agreement are in addition to any other agreement you have with us, including the Understanding Your Deposit Account brochure. If your Understanding Your Deposit Account brochure does not address internet access or use of your account, this Agreement modifies your Understanding Your Deposit Account brochure to include internet access or use of your account.

General
This Agreement shall be governed by Illinois law and is subject to all applicable state and federal laws and regulations. Your Accounts with us are also governed by the terms and conditions contained in the Understanding Your Deposit Account brochure, Service Charge Schedule and other agreements that pertain to your Accounts. We may enforce any of our rights under the Agreement even if we choose not to exercise any right in a particular circumstance. The invalidity of any provision of this Agreement shall not affect other provisions.

All representations regarding liability and warranties, including but not limited to, the Your Liability and Our Liability sections of this Agreement, shall survive termination of the Agreement.