OUR STORY2 OUR STORYGUARANTY BANK We are excited to welcome you to our banking family. Our vision is simple yet powerful: we aim to provide you with a cutting-edge community bank experience through exceptional performance, dedicated people, and clear communication. Unlike larger institutions that have moved away from serving smaller communities and businesses, we remain steadfast in our commitment to being an independent institution. This unique position not only allows us to support the success and growth of our communities and team members but also ensures that we can focus on you—our valued relationships, providing you with the personalized service you deserve. Again, welcome to Guaranty Bank, a place where we are proud to serve you and are committed to providing you with the best banking experience possible. Your trust and confidence in us is greatly appreciated. FROM THE DESK OF: HUE TOWNSEND President & CEO Guaranty Bank Belzoni, MSa Oxford (2) a Pontotoc a Amory a Belmont a Booneville a Burnsville a Calhoun County a Corinth a Fulton (2) a Iuka a Saltillo a Tishomingo a Tupelo (2) a Batesville (2) a Belzoni a Cleveland a Greenville (3) a Greenwood a Grenada a Hernando (2) a Hollandale a Indianola a Memphis, TN (3) a Oakland, TN a Oxford a Ridgeland a Senatobia a Southaven a Starkville a Vicksburg 3 OUR STORYGUARANTY BANK FOOTPRINT ACROSS THE Midsouth.4 OUR STORYGUARANTY BANK Our Heritage Locally owned and operated since 1943, Guaranty Bank delivers exceptional services and products to Mississippi and Tennessee. Providing personalized, quality customer service and the best-in-banking products has been our goal from the beginning. With humble beginnings, we have grown from offering basic banking services and products to serving customers with a complete line of products and expertise expected at much larger institutions. As a responsible leader in economic development, we strive to be an instrumental member of our local communities through our actions and the involvement of our employees. We have always been driven to do our part to help our communities and our community members excel. Over the last few years, Guaranty Bank has shown exceptional growth by managing risk while increasing capital above market rates. We are proud to be recognized by BauerFinancial as a 5-Star bank for 24 consecutive quarters. This superior rating reflects our strong capital, adequate liquidity, high asset quality and good earnings. 5 OUR STORYGUARANTY BANK Our Commitment Guaranty Bank is the leader in independent community banking. Our banking style is rooted in tradition, coupled with a cosmopolitan vision for the future of banking. In all that we do, we passionately strive to create lasting relationships. We are setting the standard for modern banking in Mississippi and Tennessee as we aggressively implement up-to-the-minute banking technology through our cutting-edge online and mobile banking services. We are answering the call to provide a customer-focused experience by building state-of-the-art facilities and removing the barriers between banker and customer. 6 OUR STORYGUARANTY BANK Express gratitude and commitment with a positive attitude to employees and customers Core Values The driving force behind Guaranty Bank is our genuine care for people and the financial well-being of our communities. To demonstrate, we embrace our core values, treat our team members like family, and commit to the standard that if it’s not right for the customer, it’s not right for the bank, and vice versa. Do what we say, hold one another accountable, and work as a team Act with integrity and honesty, and maintain strict confidentiality Remain committed to community development Have two-way communication with employees and customers Treat others with respect Be resourceful in finding unique solutions to exceed expectations7 OUR STORYGUARANTY BANK More than a Bank Guaranty Bank is a Community Development Financial Institution (CDFI). This certification as a CDFI demonstrates our commitment to improving our neighborhoods, communities, and the lives of our customers. We have customized products that meet the unique needs of underserved communities. Our goal is to continue to fulfill and grow with purpose as we unify the bank around our core values and vision.Serving our comm unity. Our Guaranty Bank team is committed to serving our communities through growing financial literacy initiatives and volunteering for various organizations and events. Financial Education Initiatives • Small Business Development Program • Financial Literacy Foundation Program • Home Buyer Education Classes • Youth Money Smart Classes • Financial Literacy Lunch & Learn Events • Teach Children to Save Presentations • Banker in Every Classroom Presentations • EVERFI K-12 Class Curriculum Scan the QR Code to join our community of development. “I liked all the information that was offered in this class. I just got my first job, and I’m excited to start investing my money. I’ve learned a lot about budgeting, saving, and taxes.” “New Horizons Loan SEED Loan Simply Effective Entrepreneur Development PATH Loan Providing Access To Homeownership SAFE Loan Safe Affordable Family Energy-Efficient HELP Grant Homebuyer Equity Leverage Partnership OnCourse Checking Account Designed for those seeking to improve their financial future. A business loan designed to help local entrepreneurs with their small business dreams. A mortgage loan designed to increase homeownership eligibility for underserved customers in our footprint. Affordable housing program for qualified customers interesting in owning/repairing a home. Down payment & closing cost assistance for low-to- moderate customers seeking to own/repair a home. A BankOn-certified account designed to emphasize both affordability and accessibility. Products Community-DrivenNext >