Privacy Policy

• The information is provided to a reputable credit bureau or similar information reporting agency; or
• We disclose nonpublic personal information about you to non-affiliated third parties as permitted by law.

If you decide to close your account(s), we will continue to adhere to the privacy policy and practices described in this notice.

OUR SECURITY PROCEDURES

We also take steps to safeguard customer information.  We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you.  Because of the importance of these issues, any Guaranty Bank employee who violates these privacy issues will be subject to disciplinary measures.

PROVIDING PRIVACY INFORMATION TO CUSTOMERS AND RESPONDING TO INQUIRIES

At Guaranty Bank and Trust Co., we value our customer relationship.  We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy.  If you have any questions about how Guaranty Bank protects your confidential information, please call your local branch.

At Guaranty Bank and Trust Co., we believe the confidentiality and protection of customer information is one of our fundamental responsibilities.  And while information is critical to providing quality service, we recognize that one of our most important assets is our customers' trust.

In this notice, we refer to:

"Nonpublic personal information."  Generally, this indicates information, which you provide to us to obtain a financial product or service, or information we obtain in connection with providing that product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

"An affiliate."  An affiliate is a company we own or control, a company that owns or controls us (Great Guaranty Bancshares, Inc., Guaranty's Insurance Center L.L.C.), and a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control

"Nonaffiliated third party."  A nonaffiliated third party is a company that is not an affiliate of ours.

WHAT INFORMATION WE COLLECT

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on the applications or other forms; and
• Information about your transactions with us or others; and
• Information we receive from third parties, such as a consumer reporting agency.

WHAT INFORMATION WE DISCLOSE

We do not disclose any nonpublic, non personal information about your accounts or personally identifiable data unless:

• You request or authorize it;
• The information is provided to help complete a transaction initiated by you;