Subject to the Gramm-Leach-Bliley Act of 1999, all financial institutions are required to provide notice of the treatment of your personal information.

Guaranty Bank collects non-public personal information about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with our affiliates, others or us.
• Information we receive from a consumer-reporting agency.

Guaranty Bank may disclose non-public personal information about you to non-affiliated third parties:

• In order to process and service transactions you have requested or authorized.
• To protect against or prevent actual or potential fraud or unauthorized transactions.
• We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We do not disclose any non-public personal information about our customers or former customers to anyone, except as provided by law!

• We restrict access to non-public personal information about you to “those employees who need to know that information to provide products or services to you”. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.
• This policy does not apply to non-personal accounts, such as business or organizations.

Internet Privacy Policy

* Effective October 2001

We recognize and respect your need for privacy and security as you visit our site. When you visit our site to view any pages, read product information, or use our on-line calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. The only information we normally collect and store is:

• The name of your Internet service provider.
• The web site that referred you to us (if any).
• The date and time the pages were accessed.
• The page or pages you requested.

There are instances where you may elect to provide us with personal information. If you fill out one of our feedback or request forms or send us email, you are transmitting the information that appears to you in the form or the message. This will typically include information like your name, mailing address, email address, the kind of request you are making, and any other information necessary to fulfill your request. You never transmit personally identifying information that you do not enter yourself. And this is always your option; this information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.

Email is not a secure transmission route. Thus we ask that you never send sensitive personal information like Social Security numbers, Account numbers, Credit Card numbers or any type of password via email to Guaranty Bank or anyone else. Please use one of our secured forms or a telephone call when submitting this information.

We hope you find our website useful and informative and are always willing to answer questions and receive suggestions. If you have either, please contact the institution. Thank you.