Online Banking Disclosure

ON-LINE BANKING DISCLOSURE

Please read this disclosure carefully. It contains the terms and conditions that apply to your use of the Guaranty Bank Online Banking service.

TRANSFER TYPES AND LIMITATIONS: 
You may use your "Access ID" and "Password" to:
* Transfer funds between Guaranty Bank accounts (excluding passbook accounts)
* Get information about:
-account balances
-checks that have cleared
-most recent deposits or withdrawals
-the amount of interest you have earned
* Place a Stop Payment on a check you have written (Fees apply. Refer to the current Account Disclosure.)
* Enroll and pay bills from your checking account using our Preferred Bill Pay service (refer to Online Bill Pay Disclosure for details/restrictions)
* Request a reorder of your checks (only reorders without changes can be processed online)
* Enroll in eStatements and view previously produced eStatements

LIMITATIONS ON FREQUENCY OF TRANSFERS:
* Transfers from a statement savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month with no transfers by check or similar order to third parties.
* Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle. Pre-authorized transfers include checks, point-of-sale, and system generated overdraft transfers.
* Transactions made after 8:00pm (Central time) on a business day, may not be processed until the next business day.

FEES:
There are no monthly or transaction fees for accessing your accounts through Online Banking.  Please refer to the current Account Disclosure for fees that may apply to your account(s).

CONFIDENTIALITY:
We will disclose information to third parties about your account or the transfers you make:
1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. In order to comply with government agency or court orders; or
4. If you give us written permission;
5. As explained in the separate Privacy Disclosure

PERIODIC STATEMENTS:
You will get a monthly account statement for your checking and money market account, unless there is no activity in a particular month.  In any case, you will get a statement at least quarterly.

You will get a monthly account statement for your statement savings account unless there are no automatic transfers in a particular month.  In any case, you will get a statement at least quarterly.

FINANCIAL INSTITUTION'S LIABILITY:
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages.  However, there are some exceptions.  We will not be liable, for instance:
1. If, through no fault of ours, you do not have enough available funds in your account to make the transfer, or the account is closed.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the system was not working properly and you knew about the breakdow when you started the transfer 4. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
5. There may be other exceptions stated in our agreement with you.
6. If you have not properly followed the Online Banking instructions.

PROTECTION OF PASSWORD/PASS CODES:
Protect the secrecy of your Access ID, password, pass phrase and authentication image (pass codes).  Do not share this information with anyone or write it where it can be discovered. We suggest you change your password every six months.

CONSUMER LIABILITY:
Tell us AT ONCE if you believe your Access ID/password/pass codes have been lost or stolen.  Telephoning is the best way of keeping your possible losses down.  You can lose no more than $50 if you fail to give us notice of a lost or stolen password/pass code.  If you do give us notice of a lost or stolen password/pass code you will be liable for the lesser of $50 or the amount of any money, property, or services obtained by unauthorized use of the password/pass code before you gave us notice.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed or made available on-line to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.  If a good reason, such as a long trip or a hospital stay, kept you from telling us, we will extend the time periods. 

If you believe your password/pass code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

Customer Service Center
1-800-235-4636 (toll-free)
Open Monday through Saturday excluding Federal Holidays

Hours:               
Monday through Friday  8:00am-7:00pm (Central time)    
Saturday 9:00am-3:00pm

Or write us at:

Retail Processing Center
P. O. Box 240200
Milwaukee, WI  53224-9010

ERROR RESOLUTION NOTICE:
In case of errors or questions about your electronic transfers, telephone us at:

Customer Service Center
1-800-235-4636 (toll-free)

Or write us at:

Retail Processing Center
P. O. Box 240200
Milwaukee, WI  53224-9010

Contact us as soon as possible, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
1. Tell us your name and account number (if any)
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.
If you tell us orally, we will require that you send us your complaint or question in writing within 10 business days. 

We will determine whether an error occurred within 10 business days (5 business days for VISA® Checkcard point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 business days (5 business days for VISA® Checkcard point-of sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  We will ask you to put your complaint or question in writing and if we do not receive it within 10 business days, we may not credit your account.  Your account is considered a new account for the first 30 days after the first deposit is made, unless each account owner/signer already has an established account with us before this new account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.  You may ask for copies of the documents that we used in our investigation.  Please see the Deposit Disclosures for detailed Terms and Conditions of your account.

08-31-09