In the preparation of these web pages, every effort has been made to offer the most current, correct and clearly expressed information possible. Nonetheless, inadvertent errors can occur, and applicable laws, rules, and regulations often change.

Further, the information contained herein is intended to afford general guidelines on matters of interest. The application and impact of the information can vary widely, however, from case to case, based upon the specific or unique facts involved. Accordingly, the information in this site is not intended to serve as legal advice.

None of the information provided on this site should be construed as legal advice. Professional advice should therefore be sought before action based on any information is taken.

The Ombudsman for Banking Services disclaims any responsibility for positions taken without due consultation.