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Terms And Conditions


ACCESSING THIS WEBSITE OR VIEWING ANY OF ITS CONTENTS SHALL CONSTITUTE YOUR AGREEMENT TO BE BOUND BY THE TERMS BELOW. DO NOT USE THIS SITE IF YOU DO NOT AGREE TO THESE TERMS.

Use of Information and Materials
Any person may view the information available from this website for informational purposes only. No part of this information may be redistributed, copied, or reproduced without our prior written consent. The information contained in this website is subject to change without notice.

The information contained in this website is provided for informational purposes only and is not investing advice. This information is not and should not be deemed an offer to sell, or a solicitation of an offer to buy, any securities or any other instruments by anyone in any jurisdiction, nor should it be used by others in connection with any sale, offer for sale or solicitation of an offer to buy securities or any other instruments.

We are not providing investment advice, acting as a fiduciary or endorsing any company, products, services or securities by publishing any information contained in this website. The information and data contained in this website is not intended for trading purposes or for any purpose other than your personal use. In particular, stock quotes appearing in this website may be delayed by at least 20 minutes. We and our suppliers do not warrant or guarantee the accuracy or timeliness of any such information or data and shall have no liability for investment or other decisions based upon this information. We specifically disclaim any and all liability or loss arising out of any action taken in reliance on this information, including but not limited to market value loss on the sale or purchase of securities or other instruments or obligations.

Investment services, securities (including depositary receipts and mutual funds) insurance and annuities are not bank deposits and are not FDIC (or state or federal agency) insured, nor are they obligations of or guaranteed by us or any state or federal agency. Investment services, securities (including depositary receipts and mutual funds) and annuities involve investment risks, including possible loss of the principal amount invested.

Any dated information is published as of its date only, and we do not undertake any obligation or responsibility to update or amend any such information.

Your use of the hyperlinks on this website to other Internet sites is at your own risk. We are not responsible for third party sites hyperlinked from this website, nor do we make any endorsements or warranties, express or implied, with respect to the content of third party websites or the products or services offered on any third party websites, including but not limited to accuracy, completeness, reliability, suitability, non-infringement, merchantability or fitness for a particular purpose. We do not warrant or represent that any third party site, or the content thereon, is devoid of viruses or other contamination. We do not guarantee the authenticity of documents available on the Internet. We reserve the right to terminate any link at any time.

No Warranties
THE INFORMATION AND MATERIALS CONTAINED IN THIS WEBSITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION AND MATERIALS, TITLE, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUSES.

Limitation of Liability
IN NO EVENT WILL WE BE LIABLE FOR ANY DAMAGES, LOSSES OR EXPENSES, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, ARISING IN CONNECTION WITH THIS WEBSITE, THE USE HEREOF OR RELIANCE ON ANY INFORMATION CONTAINED HEREIN, EVEN IF WE KNEW OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Submissions
All information submitted to us via this website shall be deemed and remain our property, and we shall be free to use, for any purpose, any ideas, concepts, know-how, techniques or other information provided by a visitor to this website. We shall have no duty of confidentiality regarding information submitted, except as we may otherwise agree in writing, as otherwise provided in an applicable privacy policy, or as otherwise required by law.

Choice of Law; Jurisdiction, Unenforceability
Your access to and use of this website, and these terms, are governed by and will be construed in accordance with the laws of the State of New York, U.S.A., without giving effect to any law or rule that would cause the laws of any jurisdiction other than the State of New York to be applied. Any action arising out of these Terms or this website shall be litigated in, and only in, courts located in New York City, New York, and you agree to submit to the exclusive jurisdiction of those courts and further agree that they are a convenient forum for you. WE AND YOU HEREBY WAIVE THE RIGHT TO TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THIS WEBSITE. In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

Other agreements may apply to specific products and services offered through this website (for example, BNY Online). Agreements applicable to a specific product or service supercede these terms. We may change these terms at any time without notice, and any such change will be effective immediately.

Trademarks
The Bank of New York Mellon and The Bank of New York Mellon logo are registered trademarks and service marks of The Bank of New York Mellon Company, Inc. The following are also product designations or trademarks or service marks of The Bank of New York Mellon Company, Inc.

ACTION, ADR Index chart logo, BNY Leasing Edge®, BNY Office Manager PlusSM, BNY OnlineSM, BNYonlinetaxSM, BNY Portfolio Snapshot®, BNY Prism®, BNY Small Cap CustodySM, BNYSM, Business Builder AccountSM, Business Checking Edge®, Business Creditlink®, Businesslink®, BuyDIRECT, Ca$h-Register®, CA$H-Register Plus®, CashlineSM, CheckInvest®, Credit OptionSM, Custom Banking/The Bank of New York Mellon®, DR Advantage®, DR Alert®, DR Converter®, Equitylink®, F.A.S.T. Processing®, FastViewTM, FedEdge, Global BuyDIRECTSM Golden Checking IISM, Golden CheckingSM, GPRsSM, Homeowners Edge Line®, Homeowners Edge®, iFX ManagerTM, Investment NewslineTM, Investors Checking®, Investors Choice®, Laser®, iPFMSM, Micro/CA$H-RegisterTM, MMInetSM, MoneyFunds DIRECTSM, Payplus®, Personal Checkinvest®, Personal Edge®, PersutteSM, Persutte--Global F.A.S.T. DirectPaySM, Priority Savings®, Priority Value BankingSM,Repoedge®, Reponet®, RepowindowSM, SafeSettleSM, School Chex®, Securities Issues®, Solutions for Investors and Issuers Worldwide®, The 60 Minute Boat LoanSM, The 60 Minute LoanSM, The 60 Minute Loan CenterSM, The Bank of New Ideas®, The Bank of New York Mellon ADR Index®, The Bank of New York Mellon Investment Focus Account®, The Bank of New York Mellon Logo®, The Bank of New York Mellon Office Manager®,The Bank of New York Mellon®, Trade Internet Query®, Trade TracSM, VestedChoice®, Wall Street TrustSM, We're Making it Hard to Bank Anywhere ElseSM

Full Value Brokerage® is a registered trademark of Pershing Investments LLC.

World Advisor and Asset Centre are registered trademarks of Pershing Investments LLC.

Windows®, Microsoft® and PowerPoint® are registered trademarks of Microsoft Corporation.

WinZip is a trademark of Nico Mark Computing, Inc.

Adobe and Acrobat Reader are trademarks of Adobe Systems Incorporated.

LMS is a registered trademark of SS&C Technologies, Inc.

ProMerit is a registered trademark of MBMS, Incorporated.

CUSIPs
If you have a separate license agreement with CUSIP Global Services for CUSIP data, your use of the CUSIP data will be governed by the terms and conditions of such license agreement and not this Disclosure Notice and Additional Terms.

The CGS Data contained in this Website consists of security identifiers and related descriptive information and VISITOR acknowledges that CUSIP Global Services (CGS) asserts that it is protected under the copyright laws and is licensed with permission from CUSIP Global Services (CGS), on behalf of the American Bankers Association (ABA).

VISITOR agrees and acknowledges that CGS asserts that the CUSIP Database and the information contained therein is and shall remain valuable intellectual property owned by, or licensed to, Standard & Poor's CUSIP Service Bureau ("CSB") and the American Bankers Association ("ABA"), and that no proprietary rights are being transferred to VISITOR in such materials or in any of the information contained therein. Any use by VISITOR outside of the clearing and settlement of transactions requires a license from CSB, along with an associated fee based on usage. Misappropriation or misuse of such materials may cause serious damage to CSB and ABA, and that in such event money damages may not constitute sufficient compensation to CSB and ABA; consequently, VISITOR agrees that in the event of any misappropriation or misuse, CSB and ABA shall have the right to obtain injunctive relief in addition to any other legal or financial remedies to which CSB and ABA may be entitled.

VISITOR agrees that VISITOR shall not publish or distribute in any medium the CUSIP Database or any information contained therein or summaries or subsets thereof to any person or entity except (1)in connection with the normal clearing and settlement of security transactions or (2)for VISITOR's personal, noncommercial use if VISITOR is a consumer. VISITOR further agrees that the use of CUSIP numbers and descriptions is not intended to create or maintain, and does not serve the purpose of the creation or maintenance of, a master file or database of CUSIP descriptions or numbers for itself or any third party recipient of such service and is not intended to create and does not serve in any way as a substitute for the CUSIP MASTER PRINT, DB, INTERNET, ELECTRONIC Services and/or any other future services developed by the CSB.

NEITHER CGS, ABA NOR ANY OF THEIR AFFILIATES MAKE ANY WARRANTIES, EXPRESS OR IMPLIED, AS TO THE ACCURACY, ADEQUACY OR COMPLETENESS OF ANY OF THE INFORMATION CONTAINED IN THE CUSIP DATABASE. ALL SUCH MATERIALS ARE PROVIDED TO VISITOR ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES AS TO MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE NOR WITH RESPECT TO THE RESULTS WHICH MAY BE OBTAINED FROM THE USE OF SUCH MATERIALS. NEITHER CGS, ABA NOR THEIR AFFILIATES SHALL HAVE ANY RESPONSIBILITY OR LIABILITY FOR ANY ERRORS OR OMISSIONS NOR SHALL THEY BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT OR INDIRECT, SPECIAL OR CONSEQUENTIAL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE LIABILITY OF CGS, ABA OR ANY OF THEIR AFFILIATES PURSUANT TO ANY CAUSE OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED THE FEE PAID BY VISITOR FOR ACCESS TO SUCH MATERIALS IN THE MONTH IN WHICH SUCH CAUSE OF ACTION IS ALLEGED TO HAVE ARISEN. FURTHERMORE, CGS AND ABA SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR DELAYS OR FAILURES DUE TO CIRCUMSTANCES BEYOND THEIR CONTROL.

VISITOR agrees that the foregoing terms and conditions shall survive any termination of its right of access to the materials identified above.