NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules .

The term "noninterest-bearing transaction account" includes a traditional Checking account or demand deposit account on which the insured Depository institution pays no interest. It does not include other accounts, Such as traditional checking or demand deposit accounts that may earn Interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of Transaction accounts, visit www.fdic.gov.

This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers.

All of our consumer customers who have a continuing relationship with us, such as:

• Deposit Account
• Loan Account
• Safe Deposit Box

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 first define some terms.

We, our, and us means The Poplar Grove State Bank.

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 from 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, and 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 or ours.

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 non-affiliated third parties
• Information from a consumer reporting agency

We do not disclose any non public personal information about you to anyone, except as authorized by law.

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 regulations to guard your nonpublic personal information.

We do not disclose nonpublic personal information about former customers.