_{¹New Account Bonus Offer:  $300 bonus will be paid within 30 calendar days after all of the following occurs:}

_{a) Open a new qualified Elevate Checking account, which is subject to approval, by September 30, 2025; b) At least one direct deposit or direct debit made through the Automated Clearing House (ACH) Network has posted to the account;}

_{c) The debit card has been used at least once during that same statement cycle; and,}

_{d) Receive your monthly statements for this account electronically.  Personal online banking enrollment, whether through a browser or our mobile banking app, and a valid email address are required to receive electronic statements.}

_{Direct deposit ACH examples are, but not limited to, an electronic deposit of your paycheck, pension or government benefits from your employer or the government.  Person to person or Account to Account payments (such as, but not limited to, Zelle, Venmo or CashApp) are not considered a direct deposit.  Direct debit ACH examples would be, but are not limited to, a car payment, mortgage, rent payment or another household bill.  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.}

_{Additional terms of this bonus offer:  Offer is for new Elevate Checking accounts only. Account must be open a minimum of 30 calendar days, be positive and active at the time bonus is paid, which will be applied as a credit to the new account.  Requirements must be met within 60 days of account opening.  Client cannot have a previously closed consumer checking account with Guaranty Bank within the past 12 months.  This offer is limited to one bonus per customer, per account, and will be paid to the primary owner.  Customers who have previously received a new account bonus are not eligible.  Cannot be combined with other offers. $300 promotional offer ends 09/30/2025 and is subject to change without notice.  Bonus will be reported as interest to the IRS under the primary account owner, as applicable. The primary account owner is the owner who Taxpayer Identification Number (TIN), such as a Social Security Number (SSN), is assigned to the account and has tax responsibility.  Client will be responsible for taxes on this bonus.  Consult your tax advisor.}

_{Elevate Checking Annual Percentage Yield (APY). Rate may change after account opening. APY is accurate as of June 1, 2025, 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: Make 15 point-of-sale (POS) 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 greater than $25,000. 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%.}

_{Requirements to earn the checking account bonus are separate from and not related to the requirements to earn the premium APY on the Elevate Checking account.  Meeting one does not qualify you for the other.}

_{Valid email address is required for eStatements. A $3 monthly statement fee will be charged if not enrolled in eStatements. Fees may reduce earnings.}