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Legal Notices

The Federal Reserve Banks provide this Federal Reserve Financial Services Web Site as a convenience to our customers, depository institutions and the public. By using this Web Site or the information, data or materials provided on this Web Site, you acknowledge and agree to the following terms and conditions. If you do not agree to these terms and conditions, do not use this Site. The Federal Reserve Banks reserve the right to change the terms and conditions at any time without notice.

Federal Reserve Bank customers using this Web Site to access the Federal Reserve Banks’ products and services through a FedLine^® access solution are advised that use of the FedLine access solution is governed by Federal Reserve Banks’ Operating Circular 5, the Certification Practice Statement and the Password Practice Statement, as applicable. The particular products or services being accessed are also governed by Operating Circulars. You may view these Operating Circulars here.

Disclaimers

The Federal Reserve Banks take reasonable measures to ensure the quality of the information made available on this Web Site. The Federal Reserve Banks may periodically update the information but make no commitment to do so. Any conclusions that users draw from the information presented here are theirs and are not to be attributed to the Federal Reserve Banks. The views expressed on this Web Site may not necessarily reflect the views of any Federal Reserve Bank or of the Federal Reserve System.

The Federal Reserve Financial Services Web Site may provide relevant links to Web Sites outside of the Federal Reserve Banks (hereafter "External Web Sites") as an additional resource for our users. External Web Sites may also link to the Federal Reserve Financial Services Web Site (External Web Sites that are linked to this Web Site or that are linked to by this Web Site shall be referred to as "Linked Web Sites"). Linked Web Sites are not under the control of the Federal Reserve Banks. Linked Web Sites may contain material that is protected under copyright or other laws with restrictions on use. The Federal Reserve Banks make no warranty, express or implied, nor assume any liability or responsibility for any information that is available on any Linked Web Site. Neither inclusion of links to External Web Sites nor External Web Sites' inclusion of links to this Web Site imply the Federal Reserve Banks' sponsorship, endorsement, recommendation or approval of the Sites, the entities or organizations managing the Sites, any views expressed on the Sites or any products or services offered.

The Federal Reserve Banks do not warrant that any information contained on this Web Site does not defame any individual or entity or infringe upon any individual's or entity's rights of privacy or publicity.

THE FEDERAL RESERVE BANKS PROVIDE NO WARRANTY, EXPRESS OR IMPLIED, AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, TITLE, QUALITY AND NON-INFRINGEMENT OF ANY INFORMATION ON THIS WEB Site. ALL INFORMATION, DATA AND MATERIALS ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTY OF ANY KIND. THE FEDERAL RESERVE BANKS SHALL NOT BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY OTHER KIND OF DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION, OR ATTORNEY'S FEES) THAT ARE IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OR PERFORMANCE OF, OR INABILITY TO USE INFORMATION AVAILABLE FROM THIS WEB Site, REGARDLESS OF WHETHER THE FEDERAL RESERVE BANKS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE, INCLUDING LIABILITY FOR ANY VIRUSES WHICH MIGHT INFECT A USER'S COMPUTER SYSTEM.

Applicable Law

This Web Site is controlled and operated by the Federal Reserve Banks from their offices in the United States of America. By entering this Site you acknowledge and agree that this Web Site will only be construed and evaluated according to the laws of the United States. If you use this Site from other locations you are responsible for compliance with any and all applicable laws of that or any other applicable location.

Appropriate Use

This Site contains copyrighted material, trademarked material and other proprietary information, including but not limited to text, software, graphics, logos and button icons that are the property of the Federal Reserve Banks or third parties. Users may not reproduce, modify, publish, transmit, participate in the transfer or sale of, create derivative works from or in any way exploit any of the content, in whole or in part, of any copyrighted, trademarked or proprietary information owned by Federal Reserve Banks, except as expressly authorized by the Federal Reserve Banks. The Federal Reserve Banks cannot grant permission to use copyrighted material, trademarked material or other proprietary information owned by third parties.

Any unauthorized attempts to upload or change information, to defeat or circumvent security measures or to utilize this Web Site for reasons other than its intended purposes are prohibited.

The Federal Reserve Banks do not permit the use of their name in advertising, as an endorsement for any product or service, or for any other commercial purpose.

Trademark and Service Mark Notices

The following are marks owned by one or more of the Federal Reserve Banks:

Financial Services logo,“FedEDI,” “FedLine,” “FedLine Web,” “FedLine Select,” “FedCash,” “FedMail,” “Fedwire,” “FedACH,” “FedACH International,” “FedImage,” “FEDNET,” “FedForward,” “FedLine Advantage,” “FedReceipt,” “FedReturn,” “FedPhone,” “FedFlash”, “FedLine Direct,” “FedPayments,” and “FedACH Risk” are registered trademarks or service marks of the Federal Reserve Banks.
"FedLine Command," “FedFocus,” “TechLine,” “Canada Connection” and “My FedDirectory” are service marks of the Federal Reserve Banks.
The Directo a México logo and “Directo a México” are service marks of the Federal Reserve Banks in the United States and service marks of the Banco de México in Mexico.

The following marks are owned by the United States Department of the Treasury:

"TT&L Plus" is a registered service mark of the United States Department of the Treasury.
"Savings Bonds Direct" is a service mark of the United States Department of the Treasury.

The following are marks of companies not affiliated with the Federal Reserve Banks:

"Adobe Acrobat" is a registered trademark of Adobe Systems Incorporated.
"Dell" is a registered trademark of Dell Computer Corporation.
"Java," "Sun," and "Sun Microsystems" are trademarks or registered trademarks of Sun Microsystems, Inc.
"Netscape" and "Netscape Navigator" are registered trademarks of Netscape Communications Corporation.
"Microsoft," "Windows 2000," "Windows ME," "Windows NT," "Windows XP" and "Internet Explorer" are registered trademarks of Microsoft Corporation.
“Connect:Direct” is a trademark of Sterling Commerce, Inc. in the United States and other countries.
“IBM,“ OS/390,” “OS/400,” ,”z/OS,” “VM” and “VSE” are trademarks of International Business Machines Corporation in the United States, other countries, or both.
“UNIX” is a registered trademark of The Open Group.
“Linux” is a registered trademark of Linus Torvalds in the U.S. and other countries.
“OpenVMS” is a trademark of Compaq Information Technologies Group L.P. in the United States and other countries.
“SecureTransport” is a trademark of Tumbleweed Communications Corp.

Other product names and company names referenced may be either trademarks or service marks of their respective companies.

Reference to Third Parties and Third Parties' Products and Services

The Federal Reserve Banks do not sponsor, endorse or recommend any third party or any third party products and/or services used on or by this Web Site or referenced on or by this Web Site.

Consent to Monitoring

The Federal Reserve Banks monitor this Web Site. By using this Web Site you expressly agree to such monitoring and you are advised that any evidence of criminal activity may be provided to law enforcement officials.

Accessibility

The Federal Reserve Banks are working to make every page on its public web server accessible to the widest possible audience, including people with visual disabilities using screen-reading software.

Many of the documents on our web server are in HTML and are usually accessible to screen-reading software. We also have a large number of documents in Adobe Acrobat Portable Document Format (PDF) and PostScript (.ps), types that reproduce the exact look of a printed page. PDF documents are displayed through Adobe's free Acrobat Reader, but may require additional steps to become accessible to screen readers. PostScript files can be saved electronically and sent directly to a printer.

Download Adobe's free Acrobat Reader (Off-site Link)