Electronic Statement Disclosure
              Effective August 17, 2009
 
ELECTRONIC DISCLOSURE AGREEMENT

Accessing your Platinum BankSM E-statements confirms your agreement to be bound by all disclosures and agreements, and acknowledges your receipt and understanding of this agreement. By entering into this agreement, you understand that Platinum BankSM will no longer be providing you with a monthly paper statement. You will receive an e-mail notification that your statement(s) are available, generally 2-5 days after your statement cycle. This disclosure contains important information about our Electronic Statement product, also referred to as EStatements. You should keep a copy of this disclosure for your records.

As used in the Agreement, the words “we”, “our”, “us”, “Bank”, and “Platinum BankSM” mean Platinum BankSM, Lubbock. “You” and “your” refer to the account owner(s). “Account” or “accounts” means your deposit account(s) at the Bank.

• Enrolling for E-Statements
You are required to have Online Banking in order to access E-Statements. You may enroll for E-Statements as part of the Online Banking enrollment process, or you can “opt-in” at any time by contacting a new account representative in the Bank.

• E-Statement Delivery
Our Online Banking members already experience the convenience of viewing periodic account statements online. Additional convenience and security can be achieved by enrolling in our E-Statement product. When you enroll for E-Statements, you can eliminate the delivery of paper statements. Our E-Statement product is easy to use; simply login to the Online Banking Service, access the account you wish to view and navigate to your statements via the “Statements” link. If you enroll in E-Statements, effective immediately, your periodic account statements will only be accessible through our Online Banking Service.

• E-mail Reminders
If you enroll for E-Statements, you will receive an e-mail alert to the e-mail address you provide when your statement becomes available for viewing online. You can change the e-mail address for the statement alert at any time by contacting a new account representative in the Bank.

• Statement Availability
E-statements and check images are securely available online for 8 months. Both E-Statements and check images may be downloaded or printed for permanent retention. You may download or print E-Statements or check copies from your computer if you have the hardware and software described below. You can also save copies to your hard drive or other media for viewing and printing at a later time.

If you need a paper copy, please contact us at: 806-792-5300 ext. 111 or ext 106, or e-mail us at info@bankatplatinum.com

If you need a paper copy of your statement outside of the normal statement cycle, a fee will be charged, as described in our most recent statement of Common Features Limits and Fees.
   
 
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