Interbank GIRO (IBG)

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Interbank GIRO (IBG) Channels No Items Internet banking Mobile banking ATM Over-the-counter (OTC) (1) Fees and Charges (RM per transaction) Other corporates 0.10 Not offering Not offering Not offering (2) Daily transaction limit (RM per day) 1,000,000.00 per transaction Other corporates Not offering Not offering Not offering No daily limit (3) Payment reference Availibility of payers' names and payment references (i) in beneficiaries' bank statement YES Not offering Not offering Not offering payment references in payers' bank statement Availibility of beneficiaries' names and payment (ii) YES Not offering Not offering Not offering references in payers' bank statement (4) Future-dated payments YES Not offering Not offering Not offering (5) Operating hours Cut off time: 5:00pm For all channels (6) Crediting time (i) Monday - Friday Before 5.00am Same business day By 11:00am 05:01 am to 08:00 am Same business day By 02:00pm 08:01 am to 11:00 am Same business day By 05:00pm 11:01 am to 02:00 pm Same business day By 08:20pm 02:01 pm to 05:00 pm Same business day By 11.00pm After 05:00 pm Next business day By 11:00am (ii) Non-business days Next business day By 11.00am (7) Refund for Unsuccessful Transactions (i) Monday - Friday Before 5.00am Same business day By 05:00pm 05:01 am to 08:00 am Same business day By 08:20pm 08:01 am to 11:00 am Same business day By 11:00pm 11:01 am to 02:00 pm Same business day By 11:00 am, next 02:01 pm to 05:00 pm Same business day business day After 05:00 pm Next business day By 05:00pm Non-business days (Saturday, Sunday and Federal (ii) Territory Public Holidays) Next business day By 05.00pm RENTAS Channels No Items Internet banking Mobile banking Over-the-counter (OTC) (1) Fees and Charges (RM per transaction) Other corporates 10.00 Not offering Not offering (2) Payment reference Availibility of payers' names and payment references (i) in beneficiaries' bank statement YES Not offering Not offering payment references in payers' bank statement Availibility of beneficiaries' names and payment (ii) YES Not offering Not offering references in payers' bank statement (3) Operating hours Cut off time: 3:00pm For all channels (4) Crediting time (i) Monday - Friday Immediate Not offering (ii) Non-business days Following business day Not offering 30 minutes once receive (5) Refund time return payment Other related fees/charges for online banking No Items Other corporates 1 Other related charges (i) Maintenance / subscription fee 150.00 per month (ii) Security tokens 150.00 per device (iii) Annual digital certificates Not offering (iv) Salary payment / payroll According to IBG fee (v) Notification / Email Subject to offering (vi) Training No charge 2 Incentives and packages.

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Q. How Do I Enroll for Online Banking? A. You May Access Our Website at and in the Top Right Corner There Is an Orange Box for Online Banking
Q. How do I enroll for Online Banking? A. You may access our website at www.guarantystate.com and in the top right corner there is an orange box for Online Banking. Under the User ID box there is a link that says “Enroll for Online Banking”. Clicking the link will open a new webpage where you will be prompted to confirm your identity which must match what we have on file, create your sign-on and review your information. Should you have any problems, don’t hesitate to contact us at any of our locations. Q. Is there a fee for Online Banking? A. No, Online Banking is available free of charge to all Guaranty State Bank & Trust Company customers. Q. Is Online Banking safe? A. Guaranty State Bank & Trust Company uses state-of-the-art firewalls and security to protect client accounts and identities. We do this by: • Using Secured Socket Layer (SSL) data encryption. • Requiring clients to use a browser with 128-bit encryption. • Never displaying Social Security Numbers over the Internet. • Automatically disconnecting Online Banking sessions after 10 minutes of inactivity. • Requiring a unique Online Banking ID and password to be entered before access is granted to account information. • Utilizing a Password Security System. To keep unauthorized individuals from accessing client accounts by guessing their password, we have instituted a password lockout system. If a password is entered incorrectly three consecutive times, the user is “locked out” of the system. • “Out-of-band Authentication” which manages what computer you access your online banking from and should the IP address change, you will be required to enter a 5 digit code that will either be sent by phone call or text message.
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