Educational & Legal Disclaimer

1. Securities Transfers Involve Legal & Financial Consequences

Transferring physical stock certificates, changing registered ownership of bonds, liquidating mutual fund shares, and executing securities transfer powers under SEC Rule 17Ad-15 and Uniform Commercial Code (UCC) § 8-306 carry binding commercial warranties and potential tax liabilities.

Before executing any stock transfer, probate transfer packet, or change of beneficiary form, you should independently verify all legal requirements and consult with a licensed attorney or certified public accountant (CPA) who can evaluate your specific facts and circumstances.

2. No Institutional Affiliation or Government Endorsement

Medallion Signature Locator is not affiliated with, sponsored by, authorized by, or endorsed by:

• The U.S. Securities and Exchange Commission (SEC)
• The Federal Deposit Insurance Corporation (FDIC)
• The National Credit Union Administration (NCUA)
• The Securities Transfer Association (STA)
• Commercial financial institutions (including Bank of America, Wells Fargo, JPMorgan Chase, Citibank, U.S. Bank, PNC, TD Bank, or Navy Federal Credit Union)
• Custodial transfer agents (including Computershare, Equiniti Trust Company, or Broadridge)

All trademarks, registered marks, and company names appear solely under nominative fair use for descriptive identification and public education.

3. Accuracy, Officer Attendance & Stamp Availability

While we reconcile directory listings with quarterly FDIC and NCUA regulatory filings, retail bank branches frequently alter their operational policies without public notice. Certifying officers may be transferred, on leave, or available only by advance appointment. Furthermore, each branch operates under a designated surety bond prefix limit (such as Prefix D $250,000 or Prefix C $500,000).

We do not warrant or guarantee that any listed branch will issue a stamp or approve your transfer packet. You must contact the specific branch manager in advance to verify eligibility, required customer tenure, documentation checklists, and current officer schedules.