Disclosure : Consumer accounts only. $50 minimum opening deposit required. 1. An average monthly minimum balance of $1,500 must be maintained in the checking account and a $25,000 average monthly minimum aggregate balance (inclusive of the amount maintained in the checking account) must be maintained in consumer deposits, loans (excludes first mortgages; lines of credit are measured as the amount outstanding and not the full line of credit) and/or wealth management accounts. If the minimum requirements are not met, a $20 monthly service fee will apply and rebates of Non-GSB ATM Activity Charges will be forfeited. 2. Message and data rates may apply from your wireless carrier. Not all wireless carriers supported. 3. Subject to credit approval. 4. GSB does not offer legal advice. You should seek specific advice regarding legal and tax matters from a qualified attorney. Products and services made available are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of, nor guaranteed or insured by, any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. 5. GSB Wealth Management is a separate subsidiary of Guilford Savings Bank. GSB Wealth Management is a registered investment advisor.