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Personal Savings Account Comparison

Below you'll find highlights covering basic account features at Guaranty Bank.� When you're ready for complete descriptions, select the name of the account that meets your financial needs.

Account Type	Account Features	Minimum Opening Deposit	Monthly Service Charge	Other Account Specifications
Certificate of Deposit	Time deposit with competitive interest rates Variety of terms Automatic renewal with 7-day grace period Additions allowed at maturity	$1,000	No monthly service charge Early withdrawal may be subject to a penalty	Flexibility in interest payment methods Simple interest is accrued daily and compounded quarterly Additions allowed only at maturity
JumpUp CD	Interest rate increases three times during the term One withdrawal may be made without penalty during each of the opt-out periods Rates for each period guaranteed at account opening Automatic renewal with 7-day grace period	$10,000	No monthly service charge Early withdrawal made outside an opt-out period may be subject to a bank penalty	Flexibility in interest payment methods Simple interest is accrued daily and compounded quarterly Additions allowed only at maturity
Liquidity Reserve CD	Up to three penalty-free withdrawals--one every 30-day period Additional deposits at any time, up to original opening deposit amount Automatic renewal with 7-day grace period	$10,000	No monthly service charge Early withdrawal, in excess of the allowed withdrawal, may be subject to a bank penalty	Flexibility in interest payment methods Simple interest is accrued daily and compounded quarterly
Gold Rewards Money Market	Interest rate adjusts with the market1 Discount HELOC rates2 and preferred CD rates3 Ability to write up to three checks per month4 Unlimited deposits Unlimited free ATM withdrawals at Guaranty-owned or -designated ATMs Unlimited in-person withdrawals Telephone transfers5	$25,000	$25 if balance falls below $15,0006 $10 excess activity charge7	Interest based on nationally recognized index of money market mutual funds available at iMoneyNet.com1 Simple interest is accrued daily and compounded monthly Tiered interest rates No minimum balance to earn interest
Money Market Savings Gold	Higher interest rate when higher balances are maintained Ability to write three checks per month Unlimited deposits Unlimited free ATM withdrawals at Guaranty-owned or designated ATM's Unlimited in-person withdrawals Telephone transfers (subject to limitations)	$1,000	$10 if balance falls below $2,500 $10 excess activity charge	Tiered interest rates Simple interest is accrued daily and compounded monthly Checks held in safekeeping only8
Statement Savings	Low minimum opening balance Quarterly activity statements Unlimited deposits No charge for the first two withdrawals made each month	$100 $25 for customers age 18 and under	$3 if balance falls below $300 No monthly service charge for customers age 18 and under	Simple interest is accrued daily and compounded quarterly No minimum balance to earn interest

The "Facts about your Guaranty Bank Deposit Accounts" disclosure and all other disclosures that will be provided to you when you open an account constitute the entire agreement between you and the Bank concerning your account(s). If there is a conflict between those disclosures and the information on these Web pages, the terms of the disclosures will control.

Guaranty Bank offers a variety of services that provide convenience and security to your accounts.

1	The rate is indexed to iMoneyNet, Inc.'s Money Fund Report/All Taxable Average on 7-Day Simple Yield. The rate adjusts each calendar month. See account disclosures for complete details.
2	This offer is not transferable and may not be combined with other special introductory offers.
3	This offer is not transferable and may not be combined with other offers. Not available on all CD types.
4	Federal regulations limit this account to six third-party withdrawals per statement cycle. Three of the withdrawals may be made by check.
5	Subject to limitations. Transfer authorization must be on file.
6	When linked with a Gold Rewards Checking account, there is no service charge if the combined average daily balance of all linked accounts exceeds $15,000.
7	Refer to the Truth-In-Savings Disclosure for a description of the transactions assessed an excess transaction fee.
8	Checks are microfilmed and held for retrieval.


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