Abstract: A removable band for a conventional sun visor is disclosed. The removable band allows a visor-wearer to customize their visor without having to permanently alter their visor. A non-damaging adhesive may be used to affix the removable band to the visor and may be reused multiple times. The removable band may have decorative elements such as colors, patterns, themes, logos, lettering, attachments, rhinestones or other attractive decorations.

Abstract: A removable band for a conventional sun visor is disclosed. The removable band allows a visor-wearer to customize their visor without having to permanently alter their visor. A non-damaging adhesive may be used to affix the removable band to the visor and may be reused multiple times. The removable band may have decorative elements such as colors, patterns, themes, logos, lettering, attachments, rhinestones or other attractive decorations.

Abstract: A clearing house process for buying and selling short term liquidity, such as Fed Funds, by financial institutions into an open, fair, and efficient market. The process automatically matches all trades at a preset rate and automatically clears and confirms the trade through a secure on line website. Sellers manage their buying partner risk up front by selecting individual partners, regional partners, and/or partners with predetermined risk profiles, as well as by limiting dollar exposure to each partner as a percent of equity. Rates are published on the system each day. The trading financial institution enters its trades by an individual approved by the financial institution. The clearing house process may also comprise a few selected high quality upstream correspondent banks for excess liquidity and a settlement arrangement through the Federal Reserve Bank.