The Peoples Bank: .

Procedure to Report Securities Violations or Accounting or Audit Irregularities

Peoples Financial commits to fully comply with securities law and regulations and with laws prohibiting fraud against shareholders. Peoples Financial requires its employees and encourages others to promptly report any action or inaction which might violate said laws or constitute questionable audit or accounting practices using one of the following methods:

Report thru External Hotline (hosted by Silentwhistle) at 1 877-874-8416
Report thru External Hotline (hosted by Silentwhistle) thru website (http://thepeoples.silentwhistle.com/)
Report directly with Internal Auditor at (228) 435-8673 or Audit Committee Chairperson at (228) 831-4343 Ext. 212
Email to internalauditor@thepeoples.com
Sending correspondence to The Peoples Bank, P.O. Box 1172, Biloxi, MS 39533

Complaints will be treated confidentially and anonymously. The Peoples Bank will investigate any matters reported and will take appropriate action. This procedure will be publicly distributed by placement in The Peoples Bank’s Annual Report and on The Peoples Bank’s website and will be distributed to The Peoples Bank employees via other publications and placement on The Peoples Bank’s internal web page. The Peoples Bank will not retaliate against an employee who reports a potential securities law violation or an accounting or audit irregularity. Complaints will be retained in a confidential file maintained in the office of the Internal Auditor of The Peoples Bank for a period of five years from the date the complaint is made.

Actual Concerns Policy