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Hal Lower is currently serving as the Senior Executive Vice President at Guaranty Bank & Trust, where Hal oversees operations in the greater DFW markets and Northeast Texas markets. Prior to this, Hal held roles as the Executive Vice President at the same bank, responsible for Greater Houston/Conroe markets, and Executive Vice President for Northeast Texas regions. Before joining Guaranty Bank & Trust, Hal worked as a Senior Vice President at Century Bank and as a Partner at Battle, Lower & Associates, a public accounting firm. Hal holds a Bachelor of Business Administration in Accounting from Texas A&M University.