ACCEPTANCE  OF  GUARANTY  BY  CREDITOR  AND  NOTICE THEREOF TO GUARANTOR

GENERAL RULE: It is not necessary for the CREDITOR to expressly accept  the  contract  of  guaranty  since  the  contract  is  unilateral; only the guarantor binds himself to do something. 
 
EXCEPTION: If the guarantor merely offers to become a guaranty, it does not become a binding obligation unless the creditor accepts and  notice  of  acceptance is  given to the guarantor. On the  other hand, if the guarantor makes a direct or unconditional promise of guaranty  (and  not  merely  an  offer),  there  is  no  need  for acceptance and notice of such acceptance from the creditor.