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> Borrowing money from other staff members (unless approved by senior management).
> 
> Borrowing money from customers other than those that are lending institutions.
> 
> Borrowing at a preferential rate from the Bank because of your position. The policy of this bank is
> that all loans to executive officers, directors, and principal shareholders must be on the same terms and
> conditions as those offered to the general public.  Additional information is contained in the Bank's
> Insider Policy.

> Real or personal property in which the Bank has or intends to obtain an ownership interest (e.g.,
> through purchase, foreclosure or repossession, or in a fiduciary capacity).
> 
> Stocks, bonds, or other securities about which you have or could be expected to have confidential
> information (e.g., a proposed merger involving a customer).
> 
> Trust deeds, mortgages, or chattel mortgages that create a security interest in property in which the
> Bank has a security interest.
> 
> An interest in any business entity that is a customer or supplier of the Bank. This limitation does not
> apply to directors who are not officers of the Bank or to ownership of the stock of any public company by
> an employee who does not possess confidential information about such company.
> 
> An interest in a company for which you are the account officer.

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> Receiving preferential treatment from customers, suppliers or prospective customers because of your
> position with the Bank. For example, if you deal with securities firms in purchasing or selling securities
> for an affiliate or its customers, you may not accept preferential treatment from those firms in your
> personal dealings with them. Any appearance of impropriety must be scrupulously avoided.
> 
> Selling or leasing goods or services to the Bank in excess of $3,500 without prior disclosure to and
> approval in writing by an executive officer. Selling or leasing goods or services to the Bank less than
> $3,500 will be approved by the Board at regular board meetings. In addition, the terms and conditions of
> any such transaction must not be more favorable than those offered to others.
> 
> Receiving discounts on personal purchases from suppliers or customers because of their business
> relationships with the Bank.

> Employment by a company or personally engaging in any activity that is competitive with the Bank.
> 
> Employment that involves the use of the Bank's equipment, supplies, or facilities.
> 
> Employment that involves the preparation, audit, or certification of statements, tax returns, or other
> documents upon which the Bank may place reliance for lending or other purposes. If you prepare income
> tax returns of individuals or entities other than yourself, you must obtain confirmation from your
> potential client that the client does not intend to use your work product as part of any transaction with the
> Bank.
> 
> Employment that involves the rendering of investment, legal, or other advice, or exercising judgment
> that is based upon information, reports, or analyses that are accessible primarily from or through your
> employment with the Bank.
> 
> Employment that may reflect adversely on you or on the Bank.
> 
> Employment under circumstances that may suggest the sponsorship or support of the Bank on behalf
> of the outside employer or an outside organization.
> 
> Employment as an insurance or securities broker, agent, or representative.
> 
> Employment as a real estate contractor, salesman, broker, or agent.

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> Acceptance of gifts, gratuities, amenities, or favors based upon family or personal relationships (e.g.
> from a parent, child, or spouse of an employee of the Bank) when the circumstances make it clear that
> those relationships, rather than the business of the Bank, are the motivating factors.
> 
> Acceptance of meals, refreshments, travel arrangements, accommodations or entertainment, all of
> reasonable value, in the regular course of a meeting or other occasion, the purpose of which is to hold
> bona fide business discussions or to foster better business relationships, provided that any such expenses
> would have been a legitimate business expense paid by the Bank if not paid by another party.
> 
> Acceptance of loans from other banks or financial institutions on customary terms to finance proper
> and usual activities, such as home mortgage loans, automobile loans, or other consumer purpose loans,
> except where prohibited by law.
> 
> Acceptance of advertising or promotional material of nominal value, such as pens, pencils, note pads,
> key chains, calendars, and similar items.
> 
> Acceptance of discounts or rebates on merchandise or services that do not exceed those available to
> other customers.
> 
> Acceptance of gifts of reasonable value related to commonly recognized events or occasions, such as
> promotion, new job, wedding, births, retirement, Christmas, or bar mitzvah; provided that the total value
> of all such gifts given by the same person or organization to any officer, director, employee or attorney
> does not exceed $250 during any calendar year unless approved by senior management.
> 
> Acceptance of civic, charitable, educational, or religious organizational awards for recognition of
> service and accomplishment.

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> Bad password examples are your name, your spouse's name or your parent's names.  Other bad
> passwords are these names spelled backwards or followed by a single digit.  Short passwords are bad  as
> well.
> 
> Rules for choosing a password are as follows:Use both uppercase and lowercase letters.
> 
> **Passwords must contain at least four (4) alpha and two (2) numeric characters, unless
> otherwise specified by vendor.**
> 
> Choose something easily remembered so it doesn't have to be written down and known only to you.
> 
> Passwords will be a minimum length of six (6) characters and a maximum of twelve (12)  characters,
> unless otherwise specified by vendor.
> 
> **Passwords will be changed every ninety (90) days.  It is the user's responsibility to change
> passwords.**

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> If strange files appear or disappear in your directories.
> 
> If your history contains commands you did not execute.
> 
> If you get mail from someone referring to a mail message you did not send.

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> Any act that compromises user and/or information resource security.
> 
> Intentional, or negligent, unauthorized access, use, destruction, alteration, dismantling, disfiguring, or
> disabling of any of our information resources, including but not limited to, intentional introduction of a
> virus.
> 
> The disclosure of secret or confidential information.  This includes the sharing of passwords or leaving
> a terminal unattended while logged on such that unauthorized transactions could be submitted.
> 
> The use of data or other information resources for illicit purposes.
> 
> Unauthorized copying, storage or use of any software on any of our computers in violation of the
> software licensing agreement.
> 
> Unauthorized personal use of any software that has been purchased by, or developed for us.  This
> policy applies regardless of the form or format of the software (or copies), and includes source code.
> 
> Unauthorized use of our information for financial gain or malicious purposes.
> 
> Unauthorized network resource use for offensive, obscene or harassing purposes.
> 
> Users must not cause any computer to alter its network identity to deceive or confuse others.
> 
> Users must not obtain or attempt to obtain any electronic communication or information that is not
> intended for them.
> 
> Users must not extend the physical network on which their computer resides (e.g. wiring, jack, wireless
> connections, etc.)

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> The Chief Financial Officer and Controller of the Bank, as the primary officers responsible for
> the complete and accurate financial reporting of the Bank, to the best of their ability, shall not
> permit the reporting of any financial information of the Bank to parties outside the Bank which
> they believe is false or misleading in any material respect. If either of them shall have reason to
> believe that the Bank has reported or may be intending to report any such false or misleading
> financial information, he or she shall report thereon to the Chief Executive Officer/President of
> the Bank. If having done so, such officer believes that appropriate action will not be taken to
> prevent such reporting, then the officer shall report the matter to the Chair of the Audit
> Committee of the Board of Directors.
> 
>  Neither the Chief Executive Officer/President, the Chief Financial Officer, nor the Controller
> shall, directly or indirectly, through any business entity in which he or she or any of their family
> members have an interest or otherwise engage in any transaction with the Bank which is required
> to be reported in, or requires the exercise of any judgment as to whether it is required to be
> reported in, the financial records or statements of the Bank or which otherwise involves a
> conflict of interest, except (i) regular compensation, including bonuses, and employee benefits
> received in their capacities as officers and employees of the Bank, (ii) transactions in goods and
> services routinely engaged in by the Bank with its unaffiliated clients or customers on terms,
> subject to customary employee discounts and benefits, generally offered to its unaffiliated clients
> and customers, (iii) transactions with publicly-held entities in which the officer has less than a
> one-tenth of one percent equity interest and with respect to which transactions such officer has
> no decision-making role on behalf of such entity, and (iv) transactions fully disclosed to and approved in advance by the Audit Committee of the Board. In general, such
> officers shall abide by all provisions of this policy requiring ethical and honest conduct and
> avoidance of conflicts of interest and shall be held accountable for adherence to all such
> provisions.
> 
>   In the event either the Chief Financial Officer or Controller shall believe that the Bank has
> engaged or is about to engage in any activity that violates any federal, state or local law, rule or
> regulation, or this Policy, then he or she is encouraged to direct those concerns or complaints
> (anonymously, confidentially, or otherwise) to the internal auditor, or to a member of the Audit
> Committee of the Board of Directors. All non-management members of the Board (listed on the
> bank's Website) are members of the Audit Committee. Notification to the internal auditor may be
> provided anonymously by mail at the main Poplar Bluff location.  Additionally, any officer,
> employee, or director receiving a complaint from an individual outside the bank (including, but
> not limited to, investors, customers, vendors, etc.) regarding accounting, internal accounting
> controls, or auditing matters is required to report the complaint directly to the internal auditor.

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