Disclaimer Statements
Please read the information below. You must agree to both disclosure statements before you may continue. To agree to both disclosures, check the checkbox below each disclsoure. When both checkboxes are checked, click the button labeled 'I Agree'.

Electronic Disclosure Consent & Disclaimer

This statement asks for your consent so that we can provide communications and information to you in an electronic format rather than in paper format. Before you decide whether or not you wish to provide your consent to receiving electronic disclosures, you should read and consider the following information. For your consent to be effective, your computer and browser will need to meet the hardware and software requirements discussed below. This statement contains important information that we are required by law to provide to you. You should keep a copy for your records. If you have any questions about E- disclosures that are not answered, feel free to communicate with us using any of the following contacts:
In person at any of our bank locations or by mail at:
Guaranty Bank & Trust, N.A.
Electronic Banking Department
P.O. Box 1158
Mount Pleasant, Texas 75456

Or by phone at (888) 572- 9881
Our E-Statement /E-Notice service was designed and built to provide records to you in electronic form. You cannot enroll in the service online without agreeing to receive this Agreement and Disclosure in electronic form. If you consent, we may also provide other disclosures in an electronic format. These disclosures may include but are not limited to updates to this agreement and disclosure, monthly account statements, notice of change in account terms, notice of fee changes, electronic funds transfer questions and responses and privacy and security notices.
1. How to Obtain Electronic Disclosures (E-Disclosures)
Unless applicable law requires otherwise, this Agreement may be amended by us from time to time. You agree that all such changes, and any future required disclosures, may be communicated by posting them on the Website or sending them to you via e-mail to your last e-mail address known to us or through our secure e-mail system in internet banking. Your continued use of the service will indicate your agreement to the change. Either you or we may terminate this Agreement at any time without notice to the other. This Agreement will continue to govern matters relating to your Account whether such matters arise. You may download or print all electronic notices and disclosures from your computer if you have the hardware and software described below. You can also save copies of electronic notices and disclosures to your hard drive or other media for viewing and printing at a later time.
2. System and Equipment Requirements
Prior to accepting the electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access the system and retrieve documents and disclosures in an electronic format. You will need:

Internet Access.

A computer and Internet browser that can support 128-bit encryption.

For security purposes, we support the most current version of popular browsers, such as Microsoft Internet Explorer. Mozilla/Firefox, Netscape Navigator/Communicator, or AOL’s browser. The most current browser versions are typically more secure and will support 128 bit encryption.

A printer for printing E- disclosures and/or you sufficient hard-drive space or other media (e.g. CD, DVD) if you plan to save disclosures in an electronic format.

A current email address.

The ability to open a Portable Document Format (.PDF) files with a currently supported version of Adobe Acrobat Reader.

We may revise hardware and software requirements from time-to-time.
3. Cancellation of E-Disclosures
If you consent to receive E-disclosures and later change your mind, you may withdraw your consent and change to paper delivery format. You can notify us of your intent to cancel E-disclosures by contacting us through any of the methods listed above. Please be sure to identify yourself and the applicable accounts.
4. Address Changes
In order to provide E-disclosures, we must maintain current customer email address at all times. It is your sole responsibility to provide us with your correct contact information, including your email address.

You should notify Guaranty Bank & Trust, N.A. of any changes to your personal contact information by calling us at: 888 572 9881 or you can update your personal information at any of our locations.
5. Proceed with Acceptance of E-Disclosures
With your acceptance below, you agree to accept the E-Statement/E-notice Delivery Disclosure in an electronic format. You also agree that you have the necessary equipment for accessing and viewing the disclosures and you agree to notify us if you change your email address or if you no longer want to receive disclosures electronically.
6. Disclaimer
All Guaranty Bank & Trust, N.A. information on this server is protected under the copyright laws of the United States of America and in other countries. In addition, certain other information may be copyrighted by others. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on the Guaranty Bank & Trust, N.A. system. Any person is hereby authorized to view the information available from this web server for informational purposes only. No part of the information on this server maybe redistributed, copied, or reproduced without prior written consent of Guaranty Bank & Trust, N.A...

THIS INFORMATION IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. REFERENCES TO COMPANIES, WEB SITES, THEIR SERVICES AND PRODUCTS, ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED. IN NO EVENT SHALL GUARANTY BANK & TRUST, N.A. BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGE, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS INFORMATION.

Neither Guaranty Bank & Trust, N.A. nor any parent, subsidiary, or affiliate thereof has verified or endorsed any third party Web sites that may be accessed by means of this site. Guaranty Bank & Trust, N.A. makes no representation or warranty regarding the accuracy, availability, or content of any third party Web site, or that any third party Web site is free of such items as viruses, worms, trojan horses and similar malicious code. When you access a third party Web site, you do so at your own risk. IN NO EVENT WILL Guaranty Bank & Trust, N.A. BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES DIRECTLY OR INDIRECTLY RELATED TO ANY USE OF OR INABILITY TO USE THIS WEB SITE, OR ANY WEB SITE LINKED TO THIS WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR COMPUTER SYSTEM OR OTHERWISE, EVEN IF GUARANTY BANK & TRUST, N.A. IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. Descriptions of, or references to, products, services or publications within Guaranty Bank & Trust, N.A.’s web server does not imply endorsement approval of that product, service or publication. Guaranty Bank & Trust, N.A. makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Guaranty Bank & Trust, N.A. specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose. This publication could include technical inaccuracies or typographical errors. Changes may be made at any time to the information herein without prior notice.

Electronic Delivery Services Disclosure and Agreement

To receive electronic delivery services, you must have a working connection to the Internet with e-mail capability and the ability to open Portable Document Format (.PDF) files with a currently supported version of Adobe Acrobat Reader. You must also have either a working printer to print and retain disclosures or enough memory on your hard drive to store them.
Upon enrollment, periodic account statements, account notices, and change-in-terms notices will only be provided electronically. Requests for paper copies of these documents will be subject to the bank’s research fee as disclosed in your account opening documents. You may request paper copies by sending your requests to us at P O Box 1158, Mt. Pleasant, Tx. 75455 or by calling 1-888-572-9881.
If you enroll in E-statements through online banking (pull), you will receive a courtesy e-mail notification when your E-statement is ready to be viewed in online banking.
If you are enrolling in E-statements to be sent to your e-mail address (push), your statements will be delivered to the e-mail address designated by you as a password protected PDF document. Your password will be the first 5 characters of your e-mail address and the last 4 digits of the primary owners tax identification number.
Account notices will be delivered to your e-mail address of record as a password protected PDF document. Your password will be the first 5 characters of your e-mail address and the last 4 digits of the primary owners tax identification number.
You agree to keep us informed of your current e-mail address. If we change the minimum hardware or software requirements, and you are unable to receive electronic delivery services, you will be released from this agreement without any penalty or consequence to you.
Consumer Joint Accounts: Any owner may request an electronic statement or notice. The electronic statement and/or notice will eliminate the printed statement or notice entirely. Paper statements and notices will not be mailed to other owners of the account. However, if both owners of an account wish to have individual access to E-statements within online banking, both will need to enroll and have separate login information. Any account owner may cancel an electronic statement or notice. You are strongly encouraged to obtain the agreement of all account owners prior to implementing this agreement.
Commercial Accounts: Any owner/authorized party authorized by resolution may request an electronic statement or notice. The electronic statement and/or notice will eliminate the printed statement or notice entirely. Paper statements and notices will not be mailed to other owners/authorized parties of the account. The owner/authorized party who requests the e-statement or notice is responsible for notifying other account owners/parties. Any account owner/authorized party may cancel an electronic statement or notice. You are strongly encouraged to obtain the agreement of all account owners/authorized parties prior to implementing this agreement. You agree to be totally responsible for the actions of any employee to whom you provide access to your electronic statements and notices.
To withdraw your consent to electronic delivery you can: Log into online banking and opt-out of the service, call us at 1-888-572-9881, inform us in person at any of our bank locations or send us a letter via U.S. Mail to the address listed above. Upon withdrawal, the documents will be sent in paper form to your address of record. Upon termination of electronic delivery services, by you or by us, a new application will be required to reinstate this service.
This agreement shall be governed by the laws of the United States and by the internal laws (but not the Law of Conflicts) of the State of Texas to the extent applicable and by regulations of any governmental agency having jurisdiction over us. A determination that any provision of this Agreement is unenforceable or invalid shall not render any other provision of this Agreement unenforceable or invalid.
This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Agreement. Your consent to this Agreement is evidenced by your application for electronic delivery services. Upon enrollment, the bank reserves the right to provide all loan, deposit, certificate of deposit and safe deposit box disclosures electronically. You agree your account number may be included in the subject line on electronic delivery services.
Acceptance of E-Disclosures: With your acceptance you agree to receive periodic deposit account statements and/or notices in an electronic format. You also agree that you have the necessary equipment for accessing and viewing E-Statements/E-Notices and that you can access this Sample PDF. You agree to notify us if you change your e-mail address or if you no longer want to receive statements or notices electronically.