We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We will also tell you what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are co-borrower or joint holder of a checking account, we suggest you share this information with each other to ensure that each of you are aware of our policy and your options.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available form public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms

• Information about your transactions with us

• Information about your transactions with nonaffiliated third parties

• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY
OF YOUR NONPUBLIC PERSONAL INFORMATION We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information and Nonaffiliated Third Parties
We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

Nonpublic Personal Information and Former Customers
If you decide to close our account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

NONPUBLIC PERSONAL INFORMATION
AND NONAFFILIATED THIRD PARTIES We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

NONPUBLIC PERSONAL INFORMATION
AND FORMER CUSTOMERS If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

NONPUBLIC PERSONAL INFORMATION
AND AFFILIATES-FUTURE CHANGES In the future, we may disclose nonpublic personal information about you to affiliates, even though we are not doing so now. Here are the kinds of nonpublic personal information we may disclose to our affiliates.

Transaction and experience information from our account records:

• Information about your transactions and experience with us,
  such as:

• Name
• Address
• Account balances
• Types of accounts
• Payment history
• Deposit history
• Parties to the transaction

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Other information not taken from transactions and experiences:

• Nonpublic personal information we receive from you on an application or other forms, such as:

• Social Security Number
• Assets
• Income
• Date of birth

YOU HAVE THE RIGHT TO CHOOSE In this notice, we have explained our policy about the disclosure of certain information.

Affiliates
We have explained the kinds of nonpublic personal information we may disclose to our affiliates in the future. We have also explained the kinds of affiliates with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

Your decision to block the disclosure or your nonpublic personal information will apply to all products and services received from us.

If you have a joint account, an opt out instruction given by one participant to this account will affect all participants of the account.

If you wish to opt out of disclosures, you may do so by checking the appropriate box below and returning this form to us at this address:

Platinum Community Bank
2915 West Kirchoff Road
Rolling Meadows, Illinois 60008

_______________________________________________
Name(s)

_______________________________________________
Street Address, Apt. #

_______________________________________________
City, State, ZIP

_______________________________________________
Telephone Number

Types of Affiliates
We may disclose nonpublic personal information about you in the future to the following types of affiliates:

Financial service providers, such as:

• Mortgage bankers
• Securities broker-dealers
• Insurance agents

Reasons for Disclosure
Here is why we may disclose nonpublic personal information about you in the future to our affiliates:

• To provide our customers with information about additional products and services

YOUR RIGHT TO BLOCK THE DISCLOSURE OF
YOUR NONPUBLIC PERSONAL INFORMATION Affiliates
We are permitted to disclose nonpublic personal information about our transactions or experiences with you to affiliates in the future. We may also disclose other nonpublic information our affiliates (that is, nonpublic personal information beyond our transactions and experiences with you), unless you tell us to not disclose this other nonpublic personal information.

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

If you have a joint account, an opt out instruction given by one participant of this account will affect all participants of the account.

If you wish to opt out of disclosures, youmay do so by checking the appropriate box on the Opt Out Notice that you received with this notice and returning it to us at this address:

Platinum Community Bank
2915 West Kirchoff Road
Rolling Meadows, Illinois 60008

WEBSITE TERMS, CONDITIONS, AND DISCLAIMER The following terms, conditions, and disclaimer are included in our privacy policy. By accessing this web site, you agree to be bound by all of these terms and conditions.

Accuracy, changes, and copyrighted material of the Platinum Community Bank Web Site Although Platinum Community Bank, seeks to provide accurate and timely information, the content of this site may not be accurate, complete, or current and may include technical inaccuracies or typographical errors. We make no warranties or representations as to the accuracy. or completeness of information contained on this Web Site. In addition, we make no warranty, express or implied, with regard to the information contained on this Web Site, including but not limited to, the implied warranties of merchantability and fitness for a particular purpose. We may, from time to time, make changes in the content of this Web Site without prior notice. All information contained in our Web Site is provided as a convenience to visitors and is intended for informational purposes only. You should verify information before relying upon it. Any decision that you make based upon information contained in this Web Site is your sole responsibility. If you require additional or more specific information about any product or service connected with our Web Site, you should contact Platinum Community Bank directly.

Platinum Community Bank has established and maintains this Web Site from the United States of America and makes no representation that the materials are appropriate or available for use in other locations. If you access this Web Site from other locations, you are responsible for compliance with applicable local laws.

All information on this Web Site, including all images or symbols is copyrighted material of Platinum Community Bank, except as otherwise indicated. You may not copy, download, republish, distribute, or reproduce any of the information contained on this Web Site in any form or manner without the prior written consent of Platinum Community Bank unless otherwise indicated.

Links to this Web Site are not permitted without the prior written consent of Platinum Community Bank. Our Web Site may contain links to other sites on the Internet. These links are provided solely for your convenience and any information contained therein is not necessarily approved, endorsed, or checked for accuracy by Platinum Community Bank. Neither Platinum Community Bank, its parent, subsidiary or affiliate entities, agents, employees, or subcontractors shall be liable for any direct, indirect, special incidental, consequential, punitive, or exemplary damages, including lost profits (even it we are advised of the possibility) arising in any way from the information contained in this Web Site or any information transmitted via this Web Site. Additionally, Platinum Community Bank is not liable for any damages or losses that may be caused to any equipment and other software due to any viruses, detects, or malfunctions in connection with access or use of this Web Site. By transmitting information through this Web Site, you accept the risk that the information you transmit to us, including e-mail, and any information that we transmit to you may be intercepted by third parties.