Guaranty Bank & Trust Personal and Business Banking Product Comparison Disclosures

1. If you currently have overdraft protection at Westbound Bank, you will continue to have that feature and your overdraft limit will remain the same. If you open a new Choice Checking, Guaranty Green Checking or Guaranty Interest Checking, overdraft privilege is added to the account 30 days after opening. You have the right to revoke your overdraft protection at any time. Refer to the enclosed overdraft protection disclosure for details on the program as well as how to revoke overdraft protection. If you have overdraft protection on your account, Guaranty Bank & Trust, N.A. (“the Bank”) will not charge a fee if the item(s) that are paid results in your account being overdrawn between $0.01 and $10.00 at the end of the business day. The bank will charge a fee of $16.00 each time we pay an item drawn against non-sufficient funds when the amount of the item is less than $20.00 and is paid within your designated overdraft limit. The bank will charge you a fee of $32.00 for all other items paid or returned when drawn against non-sufficient funds. The maximum daily amount of fees the bank will charge you for overdrawing your account is $160.00. These fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, Automatic Loan Payments or other electronic means. Whether the Bank will pay your overdrafts is discretionary and not a right or obligation. The Bank reserves the right not to pay. For example, the bank typically does not pay overdrafts if your account is not in good standing, regular deposits are not being made to your account, or there are excessive overdrafts on your account.

Transaction Posting Order Comparison

Transactions may not be processed in the order in which they occurred, and the order they are received by the bank can affect the total amount of overdraft fees incurred.

Disclosure Final

2. Subject to approval. May be subject to 30-day waiting period. Guaranty Bank & Trust does not charge a fee for using any ATM nationwide. Usage Fee may be charged by the institution that owns the ATM.

3. Federal regulations restrict all money market and savings account withdrawal and transfer transactions (or combination thereof) to another account or to third parties by preauthorized, automatic, telephone, or computer transfer, or by check, draft, debit card, or similar order to third parties to no more than six (6) each month. If you have more than the allowable transactions in any one statement cycle, your account may be subject to closure and the funds placed into another account type that you are eligible to maintain. Disclosures and rate and fee schedule (if applicable) will be mailed to you if this occurs.

4. Guaranty Bank & Trust provides mobile banking as a free service to our online banking customers. However, web access and text messaging are needed to use our full range of mobile banking products and your mobile communications carrier may charge you for web access and text messages. Please check with your service provider for specific fees and charges.