• Pull down your browser's Help menu and select About Internet Explorer. A pop-up window will appear with information about Internet Explorer.
• In that window, look for a line that begins with the words "Cipher Strength". If the cipher strength is any less than 128-bit, then you must upgrade your browser in order to use online banking. You can go directly to Microsoft's web site and obtain the upgrade by clicking on the words "Upgrade Information" that appear in parentheses next to the cipher strength.

• Pull down your browser's Help menu and select About Navigator. A page will appear with information about Netscape Navigator.
• In the left-hand column, look for a line that states "Contains encryption software from RSA Data Security, Inc. Copyright © 1994 RSA Data Security, Inc. All Rights Reserved. " Below that line, in bold you should find the following text: "This version supports U.S. security with RSA Public Key Cryptography, MD2, MD5, RC2-CBC, RC4, DES-CBC, DES-EDE3-CBC . " If you find this exact text, then your browser supports 128-bit encryption. If this line of text begins: "This version supports international security...", then your browser does not support 128-bit encryption, and you will need to upgrade your version of Navigator. You can get an upgrade from the Netscape web site. (Note: Do not attempt to use Netscape Navigator Version 6; it is not compatible with the online banking service.)
  

• Click on the Enroll button at the left of the homepage; this will take you to the page entitled Enroll Online.
• Click on Enroll a Person if enrolling an individual and Enroll a Business if enrolling a business
• You will then be provided a link to the Online Access Agreement that you must Accept to continue. 
• Fill out the enrollment form and submit it.

If you forget your Sign-On ID for your business accounts, you must call the System Administrator for your company. This is an individual within your company who was enrolled as the System Administrator.

Keep in mind, however, that you yourself have a critical role in maintaining the privacy and security of your account. To help ensure the security of your financial information, follow these rules:

• Do not give your Sign-On ID and password to anyone. If two or more people share a Sign-On ID and password, we have no way to tell which of those people actually performed a given transaction. You are responsible for any transaction performed using your Sign-On ID and password.
• Do not leave your Sign-On ID and password out in the open where anyone passing by can see it.
• Do not leave your computer unattended while you are logged in to online banking. If you leave your computer unattended while you are signed on, anyone passing by could use your computer to perform any of the transactions that you are authorized to perform.
• Always sign off at the end of an online banking session. This will terminate your session, which will prevent someone from using your browser's Back button to return to a session that has not yet timed out.

In general, all of these are common-sense rules. Use good judgment to ensure that your financial information remains secure. Guaranty Bank is not responsible for nonpublic personal information or financial information that becomes public because you did not maintain the security of your Sign-On ID and password. Guaranty Bank is also not responsible for financial loss that occurs because you did not maintain the security of your Sign-On ID and password.

• Browse to our homepage at www.guaranty-bank.co and click on the grey button labeled Login. This will take you to the opening page of the online banking service; this page is entitled Welcome to Online Banking.
• Enter your Sign-On ID in the box next to the label Sign-On ID.
• Press the tab key to move to the password field.
• Enter your password in the box next to the label Password.
• Click on the purple button that says Sign On.
• Wait until the online banking service displays your account list.

If you have a problem logging in, refer to our Troubleshooting section.

Why is this so important? Because of the way the Web works, signing off is the only way the online banking service knows that you have ended your session. If you leave online banking without signing off -- by going directly to another web site, for example -- the online banking service keeps your session alive for up to 20 minutes while it waits to see if there is something more you want to do. This is not good for two reasons: First, it is a security risk; if you leave your PC unattended during this time, someone could use your browser's Back button to return to your active session. Second, if you try to sign on again before the online banking service has timed out your session, you will receive an error message.

For a complete description of hours of operation and system availability, refer to the Online Agreement for Personal Accounts (for personal online banking) or the Online Agreement for Non-Personal Accounts (for business online banking).

Online banking reports allow you to see summary and detail information about your accounts. You can assign transactions to categories that you define, and then report on transactions using those categories.

The Transaction Detail report allows you to select transactions by Account, Date Range, Category, or Preset Date Range. This report also allows you to specify the sort order for transactions.

Bill payments will be sent to a Payee either electronically or by paper check mailed to the Payee via the U.S. Postal Service.

• "Is a special address required for checks issued from an online payment system, or should I use the address that is included with my invoice?" If a special address is required, then be sure to enter this special address as the payee address in the online banking service.
• "Is any extra time required to process a payment that comes in without a portion of my statement? If so, how much extra time is required?" If extra time is required, then be sure to allow for that extra time when you make a payment using the online banking service.

One question the company may ask you in return is: "Will your account number appear on the check?" The answer to this question is: "Yes." This assumes, of course, that you entered the correct account number when you defined the payee in the online banking service.

1. Make sure the company or person that you are going to pay is on your Payee List.
   When you use online banking, the company or person that you are going to pay is called a "payee". You can define a payee yourself using the Add Payee function. Whenever possible, you should select a payee from our list of Standard Payees, because payments to Standard Payees are generally made via electronic payment. Each payee that you have selected or defined appears on your Payee List.
2. Create a payment to the payee.
   This is like writing a check to the payee. Almost all the payments you make will be "one-time" payments. A payment to your doctor for a check-up is an example of a one-time payment. Another example is your monthly credit card bill. Because the amount changes each month, you should make a one-time payment for each bill. If you have bills that come due for the same amount every period, however, it may be more convenient to set up a "recurring payment". For example, if you make the same mortgage payment for the same amount every month, you can set up a recurring payment to automatically issue that payment on a certain day of each month.

These two steps are described in more detail in the following questions and answers.

Let's assume you want to make a payment to your veterinarian using online banking. To define your veterinarian as a payee in the online banking service, follow these steps:

• Enter your Sign-On ID and password to log in to the online banking service. This will take you to the page entitled Accounts.
• On the left side of the page is a list of links. Click on Bill Payments. This will take you to the page entitled Bill Payments. This page will show you any payments you have already made.
• At the top of the page is a set of buttons. Click on Add Payee. This will take you to the page subtitled New Payee, and where you can search your existing payees or create a new payee. Click the Create New button. The New Payee form will appear.
• Fill out the New Payee form. For example, you might enter:
  Name: Animal Hospital
  Address Line 1: 21 Park Avenue
  Address Line 2: (blank)
  > City: Glastonbury
  > State: CT
  Zip Code: 06033
  > Phone number: 111-222-3333
  > Account number: 1234569
  NOTE: The account number in this case is our account with the veterinarian. This is the account number that appears on the bill you receive from your vet.
• Click the Submit button at the bottom of the form to create the payee. The payee will now appear in your List of Payees.
• You can now verify the information that you entered for the payee. If you need to make a change to the payee information, click the Edit link on the left side of the payee entry. This will take you to the page subtitled Edit Payee, where you can correct the information for this payee.

You have now completed the process of defining a payee. Now you are ready to make a payment.

• Enter your Sign-On ID and password to log in to the online banking service. This will take you to the page entitled Account List.
• On the left side of the page is a list of links. Click on Bill Payments. This will take you to the page entitled Bill Payments. This page will show you any payments you have already made that are pending. If you are making your first payment, there will not be any entries in the list.
• Along the top of the page is a list of buttons. Click on Add Payment. This will take you to the page subtitled Schedule Payment. This page contains a form that you fill out to make your payment. Filling out this form is like writing a check.
• Fill in the information for the payment. Referring back to our example of paying the veterinarian, we would fill in the following values on the Add One Time Payment form:
  
  Account: 1234567890 - Personal First Direct
  Pay to the order of: Animal Hospital
  Date: August 1, 2003
  Amount: 125.00
  > Category: Pets
  Auto-schedule: One Time
  > # Payments: 1
  > Internal Memo: 6-month check-up for Toby

  Not all payments are the same, so here are some guidelines for filling out the payment fields:

  Pay to the order of: This is a drop-down list of the payees that you have already defined. If the person or company that you want to pay is not in this list, you must define them as a payee before you can pay them.

  Date: Enter the date that you want the payment to be processed from your account. Please make your payments early enough to leave 7 business days for the payment to be received and processed by the recipient.

  Amount: Enter the amount of the payment you would like to make.

  Account: This is a drop-down list of accounts from which you can pay bills.

  Internal Memo: This is an optional field that can be used for any additional information which you would like to associate with this payment. In this case we have used it as a category of expenses.

  Auto-Schedule: This field determines how often this payment will be processed. By far most of your payments will be One Time payments. By choosing a different value, however, you can set up recurring payments.

  # Payments: This field determines how many times this payment will be processed. By far most of your payments will have a value of 1, indicating that there is just one payment. By choosing a different value, however, you can set up recurring payments with a limited number of total payments. For example, if you have a 48-month car loan with the same fixed amount to be paid each month, you might set Auto-Schedule to Monthly and # Payments to 48.
   

• Click the Continue button at the bottom page. When the system finishes processing your Add One Time Payment request, the system will automatically take you back to the page entitled Payment List. You will now see the payment you just created.
• Note that the status of your payment is "Pending". This means that the payment has been created, but it has not yet been processed. Money has not yet been taken from your account, and the payment has not yet been sent to the payee.
• You can now verify the information that you entered for the payment. If you need to make a change to the payment information, click the Edit link on the right side of the payment entry. This will take you to the page entitled Edit Payment, where you can correct the information for this payee. You can also delete the payment by clicking on the Delete link on the right side of the payment entry. If you delete the payment, it will be listed with a status of "Cancelled" on the Payment List.
• At any time before the payment is processed, you can view the payment information, edit the payment information or delete the payment. Your payment will be processed overnight on the date you specified when you created the payment. In our example above, our payment to the veterinarian would be processed on the night of March 2. At that time, money would be taken from our account and the process of sending the payment to the payee would be initiated.

You will know that your payment has been processed when you see a status of "Processed" in the payment entry on the Payment List. Payment information cannot be modified after the payment has been processed.

1. Companies with Whom You Have an Account
   One of the required fields for a payee is the Account #. For companies like the phone company, or a utility, your bill shows your account number with that company. When you add a payee for the phone company, for example, you should put your phone company account number in the Account # field. This ensures that your phone company account number will appear on all checks to the phone company.
2. People or Companies With Whom You Do Not Have an Account
   In some cases, you will want to pay someone, but you do not have an account with that person or company. In these cases, you will need to put something in the Account # field in order to tell the payee what the check is for. In situations like this, where you do not have an actual account with a payee, you can think of the Account # field as a "message" field. For example, you might enter the text "Rent - 1 Main St. Apt 12" in the Account # field for a payment to your landlord. If you went for an eye examination and wanted to pay the doctor, you could enter "Eye Exam 1/31/2000" in the Account # field.

Note that whatever you put in the Payee Account Number field will appear on the check.

• Enter your Sign-On ID and password to log in to the online banking service. This will take you to the page entitled Account List.
• On the left side of the page is a list of links. Click on Register. This will take you to the page entitled Stop Payments. If you need help filling out the Stop Payment form, click the Help link on the left side of the page.