Eddie Reed, MRMS, CRMS

About Us:

Since 1943, Guaranty Bank & Trust Company has been serving the Delta as a locally owned and operated institution. Our philosophy has always been to provide the best in banking products along with personal, quality customer service.
Guaranty Bank & Trust Company is proud of its involvement in the areas we serve. Our goal is to be a responsible member of our local communities. We strive, through our actions and the involvement of our employees, to be a leader in the economic development of the Delta.

Guaranty Bank offers a full range of personal and business services. We offer various types of checking and savings accounts as well as loans and investment services. We pledge to offer the most up-to-date banking services and products with the personal attention you deserve.

It takes a team of qualified professionals to provide the best banking services possible. We think Guaranty Bank's got the right players to make our team the best. Let us put our team to work for you!

Mission Statement

Guaranty Bank is an independent, community bank. Well-trained, friendly bankers provide our customers needed financial products and services at competitive prices. Doing these things and doing them efficiently and effectively will build shareholder value and allow us to remain an independent, involved partner with the communities we serve.

EDDIE REED

Designations

• Misssissippi Residential Mortgage Specialist (MRMS)
• Certified Residential Mortgage Specialist (CRMS)

Titles/Awards

• Vice President of the Mississippi Association of Mortgage Brokers (MAMB)
• MAMB Chair of Education
• MAMB Educational Instructor
• 2006 MAMB Associate of the year

Areas of Expertise

Is your loan officer a Certified Residential Mortgage Specialist (CRMS)? The CRMS is a national designation of professionalism. Designees go through a rigorous certification program designed to recognize loan officers who have attained the highest levels of professional expertise. A CRMS designation is gained only once the candidate has met certain requirements of experience and knowledge and has passed a written examination. Does your loan officer have the experience and knowledge to help you with your mortgage needs? For more information, go to www.namb.org.

Residential Mortgage Financing

Guaranteed Rural Housing Loan Program

Approved to teach the following courses:

• Consumer Credit Scoring 101
• Professional Credit Scoring and Its Role in Lending
• The Nation's Fair Lending Act
• Recent Developments in Federal Mortgage Regulation
• Marketing Strategies for Mortgage Originators
• Predatory Lending Practices in the Subprime Market
• Privacy in Modern Lending Practice
• Shut the Door on Fraud
• Ethics: Decision vs. Compliance
• Mississippi State Law and Compliance

Testimonials

August 15, 2008

To Whom It May Concern:

It is with great pleasure that I share this letter of recommendation with you for Eddie Reed of Guaranty Bank and Trust in Mississippi.

Eddie and I have worked together for more than three years through his business relationship with SunTrust Wholesale Mortgage. As his SunTrust Wholesale Account Executive and business partner, I have worked with Eddie as a loan originator at Lendresults and now at Guaranty Bank and Trust.

Eddie is quite simply the ultimate and true mortgage professional. His superior level of customer service is only one of the things that set Eddie apart from his peers. Eddie searches far and beyond the conventional sources of information for product guidelines and industry rulings in an effort to find the best products and processes for his clients. Eddie truly cares for his clients' welfare and is always very careful to educate them on every aspect of the mortgage transaction.

In addition to the normal obligations of his position, Eddie is very active in the Mississippi Association of Mortgage Brokers. We are fortunate that Eddie is an influential figure in our industry thru his association with this organization. His great leadership skills are put to go0d use. He takes this work very seriously and is generous in sharing information with me and others on industry events.

I am fortunate everyday to have the opportunity to work with Eddie. Feel free to contact me with any questions you may have at 615.424.1500.

Warmest Regards,

Kim Miller

Wholesale Account Executive

SunTrust Mortgage

November 15, 2007

To Whom It May Concern:

Please consider this as my personal recommendation of Eddie Reed of Guaranty Bank and Trust. I have had the pleasure of working with Eddie on many closings. He is very conscientious and knowledgeable and works hard for his clients.

I have always been impressed with the fact that his loans, both the easy files and the hard ones, close on time, are funded at closing and the borrowers are informed and happy at the end of the process. In this market with the vast array of lenders whose names might be unfamiliar to you, it is difficult to know the reputable lenders who can get your borrower to closing, timely. That is why I am happy to recommend Eddie.

I trust Eddie and I appreciate and respect his hard work and good ethics. If you need additional information, please do not hesitate to contact me.

Sincerely,

Mary Austin Monteith

Austin Law Firm