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PERSONAL ACCOUNT GUIDEOur Oxford University Bank Team is excited to begin this new journey with Guaranty Bank! For the past 24 years, you have come to expect excellent customer service with a smiling face, and we are committed to maintaining that tradition. Rest assured, the same dedicated OUB professionals will be here to guide you through this transition and continue to provide the personalized service you trust. We partnered with Guaranty Bank because of their unwavering dedica- tion to community banking. This partnership will allow us to introduce exciting new products and services, including mortgage loans, Zelle, and cash management solutions for business, enhancing your banking experience with us. While the building’s name may change, our commitment to serving our communities will remain steadfast. We are here to be your bank and trusted financial partner, and we look forward to continuing this journey together. Thank you for your loyalty and trust. To our loyal customers, David Guyton CEO, Oxford University BankWHAT TO EXPECT Conversion weekend: Important – Please Read The conversion of Oxford University Bank (OUB) and Bank of Pontotoc (BoP) to Guaranty Bank will take place during the weekend of September 20, 2024. Please review the timeline below for the transition activity. Before the transition, it’s banking as usual Right now, there isn’t anything you need to do. Please continue banking as you normally do, using your same account numbers, checks, debit cards, online and telephone access. Friday, September 20, 2024 Saturday, September 21, 2024 Monday, September 23, 2024 The conversion process will begin at the close of business Friday afternoon. Oxford University Bank and Bank of Pontotoc will be closed. • ATMs will be in service for cash access only; deposit services will be unavailable. • OUB & BoP debit cards will be active; Reduced limits may apply, please plan transactions accordingly. • Online, Mobile, & Telephone Banking and Bill Pay will be offline and unavailable until conversion is complete. Conversion will be complete. You will have access to all your accounts and services at all 39 Guaranty Bank branches: 4 in Tennessee and 35 in Mississippi. Cutting-Edge Community Banking Welcome to Personal Online Banking and Bill Pay • On Monday, September 23, your Online Banking and Bill Pay service will automatically transfer to Guaranty Bank. Your current Online Banking and Bill Pay service will no longer be available after Friday, September 20. • You will continue using your existing login ID for your new Guaranty Bank online and mobile banking. • Your existing Bill Pay payees, transaction history, and scheduled and recurring payments that are in place on Friday, September 20, will automatically convert to Guaranty Bank’s service and continue as usual. • As of September 23, 2024, Bill Pay payment funds will be withdrawn at the time of payment scheduling and not at the time of check payment. • You will have access to your transaction history for checking and savings accounts through the last bank statement date. • All loan history will transfer back to the loan origination date. Secure. Convenient. Fast. We support Apple Pay™, Samsung Pay, and Android Pay and Visa Purchase Alerts to give you the freedom and security to make payments as you like. Visit www.gbtonline.com/personal/personal-checking for more details. We also support Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the Guaranty Bank mobile app. Zelle® makes it easy to send money to, or receive money from, people you trust - no matter where they bank. 2 To learn more, visit: gbtonline.com/zelle. 1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle 2 Must have bank account in the U.S. to use Zelle® Action Required: Activate Debit Cards Monday, September 23, 2024 • When and How to Activate Your New Card – Activate your new VISA Debit card on Monday, September 23 , by calling 866-633-5293 from the phone number associated with your account. Please refer to the sticker on the front of the card. • Your New PIN – You will be asked to create a NEW VISA Debit card PIN when you call to activate your card. You will be able to choose the PIN of your choice. • What to do With Your Old Card – On Monday, September 23, we advise you to destroy your old Debit card by cutting through the magnetic strip and the card number. For your security, it is best to throw the pieces away in different receptacles. • When to Use Your New Card – Effective Monday morning, September 23 you can begin using your NEW Guaranty Bank VISA Debit card. Your old card will not work after Monday, September 23. Benefits of Freedom and Secure Checking IDPROTECT® Identity theft monitoring and resolution service for you, your joint account owners, and eligible family members 1 Registration/activa- tion required for some benefits. • Up to $10,000 Identity Theft Expense Reimbursement Coverage2 – to cover expenses associated with restoring your identity. • Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case who will work with you until your identity is restored. • Identity Theft Recovery Case Plan - to inform you of the recovery process. • Credit File Monitoring3 – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports. • Identity Monitoring – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. • Credit Report and Score 4 – access to triple bureau credit report and single bureau credit score. • Debit and Credit Card Registration - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. • Online Identity Theft News Center and valuable phone and web resources. • Registration and activation are easy! • Go to gbtonline.clubchecking.com using Access Code MS833192 and follow the simple step-by-step instructions to register and activate benefits, or • Benefit Support - Call 1-866-210-0361 for questions related to any of the benefits, or for assistance with registration and activation. (Support is available Monday-Friday - 5:30am – 4:00pm PT, except for holidays.) • Once you are registered, accessing your benefits is easy – online at gbtonline.clubchecking.com or with the Club Checking mobile app. Mobile App instructions are available at gbtonline.clubchecking.com Cellular Telephone Protection 2 • Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. • Cellular telephone bill must be paid through your Freedom or Secure Checking account. Important Information/Disclosures: 1Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and chil- dren under 25 years of age and parent(s) of the account holder who are residents of the same household. 2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual insurance documents for complete details of coverage and exclusions. Cover- age is provided through the company named on the certificate of insurance. All other insurance documents can be found online at www.gbtonline.clubchecking.com or through the Club Checking mobile app. For more information, please visit www.gbtonline.clubchecking.com or call 866-210-0361. Insurance Products are not insured by the FDIC or any Fed- eral Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate . 3 Credit file monitoring may take several days to begin following activation. 4 Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Account Transfer Changes Personal Accounts Personal Checking Accounts If your OUB account is: Your new Guaranty Bank account will be: There will be no scheduled service charge when: Otherwise, your service charge each month will be: Important features of your new account: • Regular Checking • Checking Plus • Free Checking • Kasasa Cash Back • Kasasa Cash with Saver • Kasasa Cash Back with Saver • Square Freedom Checking You maintain a minimum daily balance of $1,000 or more or You maintain an average balance of $5,000 or more in any combination of this account and other qualifying deposit accounts $8 Or $6 by receiving your monthly bank statements via e-mail • Online banking • Bill pay • Mobile Banking with Mobile Deposit • Images of Checks and Deposits • IDProtect® Identity Theft Protection and Monitoring • Cell Phone Protection • Interest Checking • Founders Account • Kasasa Cash Secure Checking You maintain a minimum daily balance of $1,500 or more Or You maintain an average balance of $10,000 or more in any combination of this account and other qualifying deposit accounts $10 Or $8 by receiving your monthly bank statements via e-mail • Online Banking with Online Bill Pay • Mobile Banking with Mobile Deposit • Images of Checks and Deposits • IDProtect® Identity Theft Protection and Monitoring • Cell Phone Protection This is an interest-bearing account. For complete interest information, please reference the Disclosure Guide NEW ACCOUNT TYPE AVAILABLE: SAM Student Checking you are age 24 or under $0 • Online Banking • Mobile Banking with Mobile Deposit • Images of Checks and Deposits • Up to $10 in ATM fees automatically refunded each month Personal Savings Accounts If your OUB account is: Your new Guaranty Bank account will be: There will be no scheduled service charge when: Otherwise, your service charge each month will be: Important features of your new account: • Regular Savings • Kasasa Saver • Kasasa Saver with Cash Back Guaranty Savings You maintain a minimum balance of $300 $10 quarterly • Interest is credited quarterly, based on the average daily collected balance • Up to 6 transfers or withdrawals per quarter; $3 fee for each additional • Minimum of $0.01 balance must be maintained to earn Annual Percentage Yield • Personal Money Market Personal Money Market You maintain a daily balance of $2,500 $10 • Competitive Interest Rate • Interest is credited monthly based on the average collected daily balance • Up to 6 transfers or withdrawals per quarter; $5 fee for each additional transaction • Limited transaction frequency • Minimum of $1,000 balance must be maintained to earn Annual Percentage Yield All changes to Checking and Savings Accounts effective September 23, 2024Account Numbers Most account numbers will remain the same at Guaranty Bank. We have identified less than twenty-five accounts that duplicate a Guaranty Bank checking account number. Our relationship bankers will ensure all transactions convert over to these customers new accounts. All other account numbers will remain the same. Debit and ATM CardsYou will receive a new Guaranty Bank Visa® Debit card with a new card number, activation instructions, and disclosure shortly before your accounts convert. Please do not activate or use your new Guaranty Bank Visa Debit card until Monday, September 23. After activation, you will want to update any recurring payments you have on your previous Debit card to your new card number. Checks and Deposit SlipsYou may continue using your current supply of checks and deposit slips until your supply is depleted. We will be glad to order you new checks after the conversion. However, if you wish to continue to order checks through another provider, please provide Guaranty Bank’s ABA routing number 084202251 to ensure correct processing. Statements Checking, Savings and Money Market: Your final statement will include all activity from your last statement, and any interest posted to your accounts, through Friday, September 20. Your next statement will be from Guaranty Bank and will include all activity from Saturday, September 21 forward. If you currently receive a combined statement, you will continue to receive a combined statement after conversion. You will receive images of the front of your paid and cancelled checks on your checking and money market account statements after conversion. Account statements are dispersed at the end of the month. There may be a delay in receipt of your historical statements post conversion. It is recommended you download any historical statements you may need prior to September 20, 2024. About Your New Personal AccountIncoming Wire TransfersBeginning Monday, September 23, all incoming wire requests will need to be redirected using the following wire information: Domestic Wires: For wires originating within the United States, please send to: Guaranty Bank, 210 N. Hayden Street, Belzoni, MS, 39038, USA, ABA Routing Number 084202251. Please include the accountholder name and account number of the beneficiary at Guaranty Bank with wire transfer instructions. International Wires Sent Via SWIFT in US Dollars: Guaranty Bank’s Correspondent Bank is: First National Bankers Bank, 300 Concourse Blvd., Suite 100, Ridgeland, MS 39157 using Swift Code FRNAUS44. Please indicate further credit for Guaranty Bank, ABA Routing Number 084202251. Please include the accountholder name and account number of the beneficiary at Guaranty Bank with wire transfer instructions. Outgoing Wire TransfersFor your first outgoing wire transfer Monday, September 23 or later, please visit your local branch where a banker will assist you in processing your transfer. Guaranty Bank offers business customers online wire transfers through our online banking platform. If you send wires often for your business, please ask about our Cash Management services. Some restrictions may apply to certain wire transfers. Some fees apply to certain incoming and outgoing wire transfers. Direct Deposits and Automatic Payments To help make the transition of your accounts as seamless as possible, any electronic direct deposits or automatic payments you have processed through your current checking account will automatically transfer to your Guaranty Bank checking account. To aid in this transition, and to ensure uninterrupted service, Guaranty Bank will notify agencies, organizations and other third parties from whom you receive direct deposits or to whom you direct automatic payments. We will provide them with a notice of change to Guaranty Bank’s ABA routing number 084202251. There should be no action required by you to affect the transfer of your checking and/or savings account direct deposits and automatic payments to Guaranty Bank. If you wish, you may follow up directly with third parties to ensure the change is made in a timely manner.Next >