DISCLOSURE GUIDESchedule of Fees FEES AND CHARGES. The following fees and charges may be assessed against your account: Check printing fees vary by the style of check ordered. An overdraft fee of $36.00 will be charged per item for covering overdrafts created by check or draft, in-person withdrawal, ATM withdrawal, or other electronic means. ATM activity at another bank’s ATM ATM/Debit Replacement Card Chargeback Item Check Cashing (non-customer) greater of 3% or Dormant Account Fee Duplicate Statement (per statement cycle) Early Closing of Account Insufficient Funds Charge (each) Legal Process Money Order Multiple Signatures Required (per statement cycle) Official Check Overdraft Charge (each) Research Fees (per hour; $20.00 minimum) Returned Mail (per statement cycle) Statement Reconcilement (per hour; $20.00 minimum) Statement Reprint Statements on CD (multiple cycles) Stop Payment Uncollected Funds Charge (each) VISA Gift Cards Wire Transfers (domestic incoming and outgoing) Wire Transfers (international incoming and outgoing) $2.00 $10.00 $10.00 $10.00 $5.00 $5.00 $25.00 $36.00 $100.00 $5.00 $5.00 $8.00 $36.00 $20.00 $5.00 $20.00 $2.00 $15.00 $36.00 $36.00 $5.00 $25.00 $55.00 Other charges may apply. Certain fees are subject to change. Interest will be charged at the rate of 8% APR on overdraft balances. *Fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Schedule of Fees effective September 23, 2024. For regulatory accounting purposes, the Bank may make a change in your checking account that will not affect your available balance, interest earnings, FDIC insurance, or bank statement. The Bank will create a Checking sub account and a Savings sub account and may periodically transfer funds between these two accounts. You cannot access the Savings sub account directly. If your account is interest bearing, your interest calculation will remain the same. Otherwise, the Savings sub account will be non- interest bearing. The Savings sub account will be governed by the rules governing our other Savings accounts. This will not affect either the appearance or operation of your checking account in any way.For Consumer Purpose Accounts Only. For purposes of this disclosure and agreement the terms “we”, “us” and “our” refer to GUARANTY BANK & TRUST COMP ANY. The terms “you” and “your” refer to the recipient of this disclosure and agreement. The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your Guaranty Bank 24-Hour Teller (hereinafter referred to collectively as “ATM Card”) or VISA Debit Card (hereinafter referred to collectively as “Debit Card”) at automated teller machines (ATMs) and any networks described below. TERMS AND CONDITIONS. The following provisions govern the use of EFT services through accounts held by GUARANTY BANK & TRUST COMPANY which are established primarily for personal, family or household purposes. If you use any EFT services provided, you agree to be bound by the applicable terms and conditions listed below. Please read this document carefully and retain it for future reference. DEFINITION OF BUSINESS DAY. Business days are Monday through Friday excluding holidays. ELECTRONIC FUND TRANSFER SERVICES PROVIDED ATM CARD SERVICES. The services available through use of your ATM Card are described below. GUARANTY BANK 24-HOUR TELLER SERVICES: • You may withdraw cash from your checking account(s) and savings account(s). • You may make deposits into your checking account(s) and savings account(s). • You may make balance inquiries on your checking account(s) and savings account(s). DEBIT CARD SERVICES . The services available through use of your Debit Card are described below. VISA DEBIT CARD SERVICES: • You may withdraw cash from your checking account(s), savings account(s), and NOW account(s). • You may make deposits into your checking account(s), savings account(s), and NOW account(s). • You may make balance inquiries on your checking account(s), savings account(s), and NOW account(s). • You may use your card at any merchant that accepts Visa® Debit Cards for the purchase of goods and services. 24-HOUR TELLER SERVICES. NETWORK. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions. Besides being able to use your ATM Card or Debit Card at our 24-Hour Teller terminals, you may access your accounts through the following network(s): SUM, PULSE, PLUS ATM FEES . When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do ELECTRONIC FUND TRANSFER DISCLOSURE AND AGREEMENTnot complete a fund transfer. POINT OF SALE TRANSACTIONS . Listed below is the card you may use to purchase goods and services from merchants that have arranged to accept your card as a means of payment (these merchants are referred to as “Participating Merchants”). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your card, including any purchase where you receive cash, are referred to as “Point of Sale” transactions and will cause your “designated account” to be debited for the amount of the purchase. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for any Point of Sale transaction. We may, but do not have to, allow transactions which exceed your available account balance or, if applicable, your available overdraft protection. If we do, you agree to pay an amount equal to the overdrawn balance plus any overdraft fees. The following card and the corresponding designated account( s) may be used for Point of Sale transactions: • VISA Debit Card: checking account. Your ATM and Debit Cards may also be used to obtain cash from your designated account(s) at participating financial institutions when so authorized under the terms of your Account Agreement. AUTHORIZATION HOLDS. An authorization hold is a temporary hold that is placed on your account for certain Debit Card transactions. The amount of the temporary hold may be more than the actual amount of the transaction, so your available account balance will temporarily be reduced by the amount of the temporary hold. If the authorization hold or the processing of subsequent transactions causes your account to have insufficient funds to pay the transaction, we may charge you non-sufficient funds fees if we return the item or overdraft fees if we pay the item on your behalf. CURRENCY CONVERSION - Visa®. When you use your card with the Visa® logo at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is a rate selected by Visa® from a range of rates available in wholesale currency markets for the applicable transaction date, which rate may vary from the rate Visa® itselfreceives, or the government-mandated rate in effect for the applicable transaction date, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate in effect on the transaction date may differ from the rate in effect on the central processing date or the posting date. SERVICES PROVIDED THROUGH USE OF TOUCH-TONE BANKING. You may perform the following functions through use of TOUCH-TONE BANKING: • You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts. • You may make balance inquiries on your checking account(s), savings account(s), money market account(s), and NOW account(s). For questions or more information, call us at: (800) 859-9825 PREAUTHORIZED TRANSFER SERVICES. • You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), money market account(s), and NOW account(s). • You may arrange for the preauthorized automatic payments or other transfers from your checking account(s), savings account(s), money market account(s), and NOW account(s). SERVICES PROVIDED THROUGH USE OF ONLINE AND MOBILE BANKING. GUARANTY BANK & TRUST COMPANY offers its customers use of our Online and Mobile Banking service. Services include account-to-account transfers, mobile banking transfers, loan payments, deposit and loan account information, third-party payments. ELECTRONIC CHECK CONVERSION. If your account is a checking account, you may authorize a merchant or other payee to make a one-time electronic payment from this account using information from your check to pay for purchases or to pay bills. LIMITATIONS ON TRANSACTIONS TRANSACTION LIMITATIONS - GUARANTY BANK 24-HOUR TELLER. CASH WITHDRAWAL LIMITATIONS. You may withdraw up to $400.00 through use of ATMs in any one day. There is a daily limit for all ATM withdrawal transactions. For security reasons, specific dollar limits are disclosed at the time the ATM Card is issued. GUARANTY BANK & TRUST COMPANY reserves the right to change dollar amount limits at any time upon prior notification. TRANSACTION LIMITATIONS - VISA DEBIT CARD. CASH WITHDRAWAL LIMITATIONS. You may withdraw up to $400.00 through use of ATMs in any one day. There is a daily limit for all ATM withdrawal transactions. For security reasons, specific dollar limits are disclosed at the time the Debit Card is issued. GUARANTY BANK & TRUST COMPANY reserves the right to change dollar amount limits at any time upon prior notification. POINT OF SALE LIMITATIONS. You may buy up to $2,500.00 worth of goods or services in any one day through use of our Point of Sale service. NOTICE OF RIGHTS AND RESPONSIBILITIES The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below. RIGHT TO RECEIVE DOCUMENTATION OF YOUR TRANSFERS. TRANSACTION RECEIPTS. Depending on the location of an ATM, you may not be given the option to receive a receipt if your transaction is $15.00 or less. Upon completing a transaction of more than $15.00, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your ATM Card or Debit Card at a Participating Merchant. If the transaction is $15. 00 or less, the Participating Merchant is not required to provide a receipt. PERIODIC STATEMENTS. If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly. PREAUTHORIZED DEPOSITS. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company: USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER (“PIN”). In order to assist us in maintaining the security of your account and the terminals, the ATM Card or Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your ATM Card or Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account; you agree to pay us the amount of the improper withdrawal or transfer upon request. Your ATM Card may only be used with your PIN. Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify GUARANTY BANK & TRUST COMPANY immediately if your ATM Card or Debit Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your ATM Card or Debit Card or to write your PIN on your ATM Card or Debit Card or on any other item kept with your ATM Card or Debit Card. We have the right to refuse a transaction on your account when your ATM Card or Debit Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account. The security of your account depends upon your maintaining possession of your ATM Card or Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN at our ATM or via the telephone. RIGHTS REGARDING PREAUTHORIZED TRANSFERS. RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at: (800)847-7454 or write to: Guaranty Bank and Trust Co P.O. Box 657 Belzoni, MS 39038 We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after you call. NOTICE OF VARYING AMOUNTS. If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company ten (10) days before each payment, when it will be made and how much it will be. OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages. YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen, call us at: (800)500-1044 (24 hours) or write to: Guaranty Bank and Trust Co. PO Box 657 Belzoni, MS 39038 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500). Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account, if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING VISA DEBIT CARD. The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa® logo. These limits apply to unauthorized transactions processed on the Visa® or Plus Network. If you notify us about an unauthorized transaction involving your card with the Visa® logo and the unauthorized transaction took place on the Visa® or Plus Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions to the amounts described under “Consumer Liability” above if we reasonably determine, based on substantial evidence, that you were negligent or fraudulent in the handling of your account or your card with the Visa® logo, you were proven to have participated in the transaction, or both. The zero liability provisions do not apply to PIN-based debit transactions not processed by the Visa® or Plus Network, including ATM transactions outside of the United States. Your liability for unauthorized transactions with your card with the Visa® logo that involve PIN- based debit transactions not processed by the Visa® or Plus Network, including ATM transactions, are described under “Consumer Liability” above. ILLEGAL USE OF VISA DEBIT CARD. You agree not to use your VISA Debit Card for any illegal transactions, including internet gambling and similar activities. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS. In case of errors or questions about your electronic fund transfers, call us at: (800)847-7454 or write to: Guaranty Bank and Trust Co PO Box 657 Belzoni, MS 39038 or email us at: contactus@gbtonline.com Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact GUARANTY BANK & TRUST COMPANY no later than 60 days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information: • Your name and account number. • A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. • The dollar amount of the suspected error. If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. Ifwe need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. Ifwe decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. Ifwe ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. Visa’s® cardholder protection policy requires that we provide provisional credit for losses from unauthorized Visa® Debit Card use within five (5) business days of notification of the loss, unless we determine that additional investigation is warranted and allowed by applicable laws or regulations. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance: • If through no fault of ours, you do not have enough money in your account to make the transfer. • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one. • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer. • If circumstances beyond our control ( such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken. • If we have terminated our Agreement with you. • When your ATM Card or Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction. • If we receive inaccurate or incomplete information needed to complete a transaction. • In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer. • If the funds in the account are subject to legal action preventing a transfer to or from your account. • If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. DISCLOSURE OF ACCOUNT INFORMATION. You agree that merchant authorization messages transmitted in connection with Point of Sale transactions are permissible disclosures of account information, and you further agree to release GUARANTY BANK & TRUST COMPANY and hold it harmless from any liability arising out of the transmission of these messages. We will disclose information to third parties about your account or electronic fund transfers made to your account: 1. Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or 2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or 3. In order to comply with government agency or court orders; or 4. If you give us your permission in a record or writing. AMENDING OR TERMINATING THE AGREEMENT. We may change this agreement from time to time. You will be notified at least 21 days before a change will take effect if it will cause you an increase in costs or liability or it will limit your ability to make electronic fund transfers. No notice will be given if the change is necessary for security reasons. We also have the right to terminate this agreement at any time. FUNDS AVAILABILITY POLICY DISCLOSURE PURPOSE OF THIS DISCLOSURE. Our general policy is to allow you to withdraw funds deposited in a transaction account on the first Business Day after the day of deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first Business Day after the day of deposit. Our complete policy is summarized below. For purposes of this disclosure, the terms “you”/”your” refer to the customer and the terms “our”/”we”/”us” refer to GUARANTY BANK & TRUST COMPANY. Generally, transaction accounts are accounts which would permit an unlimited number of payments by check to third persons, and also an unlimited number of telephonic and preauthorized transfers to third persons or other accounts you may have with us. DETERMINING THE AVAILABILITY OF YOUR DEPOSIT. The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term “Business Day” means any day other than a Saturday, Sunday or federally declared legal holiday, and the term “Banking Day” means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions. If you make a deposit before the close of business on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day that we are not open, we will consider the deposit made on the next Business Day we are open. AVAILABILITY SCHEDULE • Same Day Availability. Funds from deposits of: • electronic direct deposits cash* • wire transfers • checks drawn on us will be available on the day of deposit. Next Day Availability. Funds from deposits of: • U.S. Treasury checks** • U.S. Postal Service money orders** • Federal Reserve Bank or Federal Home Loan Bank checks** State or Local Government checks** • Cashier’s, Certified, or Teller’s checks**Next >