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.

As used below, the terms "we," "us," and "our" refer to The Bank of New York Company, Inc., its subsidiaries and affiliates.

Use of Information and Materials.
Any person may view the information available from this website for informational purposes only, but the information cannot be relied upon for any reason. No part of this information may be redistributed, copied, or reproduced without our prior written consent. The information contained in this website (including product and service descriptions) whether factual or opinion, is subject to change without notice.

None of the information contained in this website is to be construed as 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 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), annuities and other insurance products 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.

We do not undertake any obligation or responsibility to update or amend any information contained in this website.

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.

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

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

ACTION, ADR Index chart logo, BNY Leasing Edge®, BNY Office Manager PlusSM, BNY Portfolio SnapshotSM, BNY PrismSM, BNY Small Cap CustodySM, BNYSM, Business Builder Account, Business Checking EdgeSM, Business Creditlink®, Businesslink®, BuyDIRECT, Cash-Register®, CA$H-Register PlusSM, Cashline®, Checkinvest®, Credit OptionSM, Custom Banking/The Bank of New York®, DR AdvantageSM, DR AlertSM, DR ConverterTM, Equitylink®, F.A.S.T. Processing®, FastViewTM, FedEdge, Global BuyDIRECTSM Golden Checking II®, Golden Checking®, GPRsSM, Homeowners Edge LineSM, Homeowners Edge®, iFX ManagerTM, INFORM, Investment Newsline®, Investors Checking®, Investors Choice®, Laser®, iPFMTM, Micro/CA$H-Register^TM, MMInet^SM, MoneyFunds DIRECTSM, Payplus®, Personal Checkinvest®, Personal EdgeSM, Priority Savings®, Repoedge®, Reponet®, Repowindow®, School Chex®, Securities Issues®, Solutions for Investors and Issuers WorldwideSM, The 60 Minute Boat LoanSM, The 60 Minute Loan®, The 60 Minute Loan Center®, The Bank of New Ideas®, The Bank of New York ADR IndexSM, The Bank of New York Investment Focus Account®, The Bank of New York Logo®, The Bank of New York Office Manager®,The Bank of New York®, The Commission Optimizer®, Trade Internet QuerySM, Trade Trac, VestedChoice®, Wall Street TrustSM, We're Making it Hard to Bank Anywhere ElseSM

Full Value Brokerage and The Commission Optimizer are registered trademarks of BNY Brokerage.

BNYCS Outsourcing Solutions, ECCN, World Advisor and Asset Centre are trademarks of BNY Clearing Services 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.