System banner

Goal:
Create a pre-login banner for individuals logging into the system using tcp wrappers. through ssh, ftp,

Summary:
Using the built-in tcp wrappers I would like to install a banner so that when users access the server they will see a banner (legal disclaimer/message).

Because of protocol differences, that would of course have to be handled differently depending on each protocol. When it comes to SSH, I think the best option is /etc/motd, don't you agree?