Closer Than You Think. Better Than You Expect.

 * APY = Annual Percentage Yield
¹This offer is effective September 22, 2025, and may be modified or withdrawn by GBC Bank at any time. A 3.75% Annual Percentage Yield (APY) is available for the first six months when opening a new Money Market account with new money (funds not currently on deposit at GBC Bank) and maintaining a minimum balance of $2,500 throughout the promotional period. Customers who also have an active checking account with recurring direct deposit will earn 4.00% APY during the promotional period. After six months, balances will earn the standard tiered Money Market rate. Fees may reduce earnings. Public funds are not eligible.

²Annual Percentage Yield (APY) accurate as of September 22, 2025 and is based on daily compounding. New money only (funds not currently on deposit at GBC Bank). Minimum opening balance of $5,000. No public funds or IRAs. Terms, conditions and rates subject to change at any time without notice. Early withdrawal penalty applies. CD would renew for a 6-month term at maturity at current market rate but would be eligible for 5 month CD special.

³APR (Annual Percentage Rate) will be fixed for six months following account opening date. After the initial fixed rate period ends, the rate will adjust monthly to 0.00% - 2.00% plus the Prime rate as published in the Wall Street Journal Rates Table (the “index”), 
depending on creditworthiness. Current Wall Street Prime rate as of September 18, 2025 is 7.25%. HELOC maximum interest rate is 18%. HELOC minimum interest rate is 4.00%. Maximum Combined Loan-To-Value of 80.00%. $10,000 minimum credit limit. Max $300 in fees at origination, plus a $50 annual fee (waived first year). Maximum account fees: $300. Active GBC Bank checking account required. Offer eligible for new HELOC loans or HELOC loans rewritten with at least $10,000 in new credit at time of closing. Monthly interest only payments required on this loan. Making the required monthly payment will result in a balloon payment at the end of the term. For example, an initial disbursement of $10,000 with no additional draws and making only the minimum payment at 7.5% APR will result in a final balloon payment of $10,062.50 at loan maturity. Rates and Terms are subject to change without notice. All loans are subject to credit approval. Other terms and conditions may apply.

⁴5/1 Adjustable-Rate Mortgage (ARM). Initial rate 5.50%. After the first 5 years, rate may adjust annually by up to 2%, with a lifetime cap of 6% above the start rate and a floor of 4%. Minimum credit score 680, maximum 95% loan-to-value (LTV), and maximum 43% debt-to-income (DTI). Rates and terms subject to change. Taxes and insurance not included.