_{(1) Annual Percentage Yield. Rate may change after account opening. APY is accurate as of February 1, 2023, and is not an introductory rate. $50 deposit required to open account. Premium APY is for average daily balances up to $25,000. To obtain premium APY, you must meet the following monthly requirements per statement period: A minimum of 15 qualifying VISA debit card purchases each statement period; Receive at least one Direct Deposit each statement period (debit card transactions and direct deposits must have posted to the account by the last business day of the statement cycle); Enroll in Guaranty Bank Internet Banking and enroll to receive eStatements for this account. An interest rate of 2.96% will be paid only for that portion of your average daily balance that is $25,000 or less. The APY for this tier will be 3.00%. An interest rate of 0.25% will be paid only for that portion of your average daily balance that is $25,000 or greater. The APY range for this tier will be 3.00% to 0.80%. Regardless of your balance, if you do not meet the requirements listed, the interest rate and APY will be 0.01%. Qualifying VISA debit card purchases are defined as point-of-sale transactions made with your Guaranty Bank debit card that are completed using a PIN (personal identification number), signature, contactless, or mobile wallet (e.g., Apple Pay, Google Pay, Samsung Pay). ATM withdrawals, ATM transfers and debit card payments authorized but not yet posted do not count toward the debit card requirement. Direct deposits examples are an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person to person payment (such as Zelle, Venmo or Cashapp) are not considered a direct deposit. (2) Valid email address is required for eStatements. A $3 monthly statement fee will be charged if not enrolled in eStatements. Fees may reduce earnings.}

_{(1) Annual Percentage Yield (APY) accurate as of August 11, 2025 and is not an introductory rate. Rate may change after account is opened. Fees may reduce earnings. A $10 monthly service charge up to $10 may be assessed per statement cycle. The following actions will reduce fees by $5 each: 25 debit card point of sale transactions posted during the statement cycle* (shown as Debit Card Purchase CR on the statement), $1,000 in deposits to this account during the statement cycle** (shown as Monthly Deposit Credit on the statement),* Debit card point of sale (POS) transactions processed by merchant and received by the bank as ATM transactions do not count toward qualifying debit card purchases. Only debit card transactions processed by merchants and received by the bank as POS transactions count toward qualifying debit card purchases.}

_{** Deposits must have posted to the account by the last business day of the statement cycle.}

_{All monthly activity requirements must be posted to the account by the last business day of the month to qualify. To avoid a monthly paper statement fee of $3.00, the account must be enrolled in electronic statements or have a daily minimum balance of $10,000.00. Paper statement fees will be assessed at the time of the statement cycle for the months they are received. Valid email address is required for eStatements.}

_{(1) Valid email address is required for eStatements. Monthly paper statement fee $3, waived with eStatement enrollment.}

_{*For minors age 11-17. $25 to open the account, no minimum balance required. Non-interest-bearing account. No monthly service charges. Must be opened with a parent or guardian on the account. This account will not have checks. Lower limit VISA debit card. Free online and mobile banking. Must be 13 or older to be eligible to set up online banking. $3 paper statement fee will apply if not enrolled in eStatements. Account will convert automatically to a regular checking account at the age of 18.}

^{Guaranty Bank BankOn Checking is not a savings or interest checking account. Customers will not earn interest on their BankOn Checking accounts. Customers will not have access to printed checks or Elite account benefits. The account is not eligible for overdraft protection. In the event of overdraft or insufficient funds checks/ACH will be returned unpaid. Monthly $5 service charge. Monthly paper statement fee $2, waived with eStatement enrollment, valid email address is required. $3 statement fee (per statement) for additional copies will apply. A separate $2.50 access fee may be charged by the owner of an ATM (outside of the MoneyPass network.) Guaranty Bank reserves the right to modify this program at any time.}

^{(1) Annual Percentage Yield (APY) accurate as of August 11,2025, and is not an introductory rate. Rate may change after account opening. (2) Pre-authorized withdrawals are limited to 6 per calendar month. A $10 excessive withdrawal fee charge will be accessed for each pre-authorized withdrawal thereafter. (3) Valid email address is required for eStatements. Fees may reduce earnings.}

^{(1) Annual Percentage Yield (APY) accurate as of August 11, 2025, and is not an introductory rate. Rate may change after account opening. (2) Valid email address is required for eStatements. Fees may reduce earnings. (3) Pre-authorized withdrawals are limited to 6 per calendar month. A $10 excessive withdrawal fee charge will be accessed for each pre-authorized withdrawal thereafter.}

_{(1) Annual Percentage Yield (APY) accurate as of August 11, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. (2) Any early withdrawal (prior to October 31) will result in closure of the account and loss of all accrued interest. *Valid email address is required for eStatements.}

^{(1) Annual Percentage Yield (APY) accurate as of August 11, 2025, and is not an introductory rate. Rate may change after account opening. (2) Pre-authorized withdrawals are limited to 6 per calendar month. A $10 excessive withdrawal fee charge will be accessed for each pre-authorized withdrawal thereafter. (3) Valid email address is required for eStatements. Fees may reduce earnings.}

^{(1) Annual Percentage Yield. APY CD rates are effective as of August 11, 2025, and are subject to change. Early withdrawal penalties may apply and reduce earning.}

^{Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS® Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC}

TRADITIONAL VS ROTH

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

• No income limits to open
• No minimum contribution in any year allowing flexibility
• Contributions may be tax deductible on state and federal income tax¹
• Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
• Withdrawals can begin at age 59½
• Early withdrawals subject to penalty²
• Mandatory withdrawals at age 70½
• Members under age 70½ may contribute $6K maximum per year

Roth IRA

• No minimum amount to set up
• Income limits to be eligible to open Roth IRA³
• Contributions are NOT tax deductible
• Earnings are 100% tax free at withdrawal¹
• Principal contributions can be withdrawn without penalty¹
• Qualified Withdrawals on dividends can begin at age 59½
• Early withdrawals on dividends subject to penalty²
• No mandatory distribution age
• No age limit on making contributions as long as you have earned income

^{(1) Subject to some minimal conditions. Consult a tax advisor.  (2) Certain exceptions apply, such as healthcare, purchasing first home, etc. (3) Consult a tax advisor.}

Guaranty Bank also offers an Open IRA, which provides additional flexibility to your retirement savings contribution planning.

• Tax-advantaged retirement savings*
• May earn higher rate than traditional savings
• Only available in 2-year term
• Traditional and Roth IRA options
• No setup fees
• No monthly or annual maintenance fees
• $5,000 contribution limit per year
• Additional $1,000 "catch-up" contribution allowed for ages 50+
• Funds used to purchase renewable 2-year CD within IRA
• Additional deposits can be made at any time to make saving easier ($25 minimum)
• Automatic deposits can be set up from any bank account

^{* Consult a tax advisor}

_{(1) Annual Percentage Yield (APY) accurate as of July 14, 2025. Rate may change after account opening.  Fees may reduce earnings. Substantial penalty for early withdrawal of certificates.}

^{* Direct deposit from your paycheck will reduce your taxable earnings. If contributions are made after income was taxed, the amount deposited is tax deductible. Consult a tax advisor. (1) Annual Percentage Yield (APY) accurate as of August 11, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings.}