TAILIEUCHUNG - Gale Encyclopedia Of American Law 3Rd Edition Volume 2 P34

Gale Encyclopedia of American Law Volume 2 P34 fully illuminates today's leading cases, major statutes, legal terms and concepts, notable persons involved with the law, important documents and more. Legal issues are fully discussed in easy-to-understand language, including such high-profile topics as the Americans with Disabilities Act, capital punishment, domestic violence, gay and lesbian rights, physician-assisted suicide and thousands more. | 318 CERTIFICATE A sample certificate of deposit ILLUSTRATION BY GGS CREATIVE RESOURCES. REPRODUCED BY PERMISSION OF GALE A PART OF CENGAGE LEARNING. Certificate of Deposit XYZ SAVINGS BANK 1 YEAR CERTIFICATE OF DEPOSIT Rate information The interest rate for your account is with an annual percentage yield of . You will be paid this rate until the maturity date of the certificate. Your certificate will mature on September 30 2012. The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest for your account will be compounded daily and credited to your account on the last day of each month. Interest begins to accrue on the business day you deposit any noncash item for example checks . Minimum balance requirements You must deposit 1 000 to open this account. You must maintain a minimum balance of 1 000 in your account every day to obtain the annual percentage yield listed above. Balance computation method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Transaction limitations After the account is opened you may not make deposits into or withdrawals from the account until the maturity date. Early withdrawal penalty If you withdraw any principal before the maturity date a penalty equal to three months interest will be charged to your account. Renewal policy This account will be automatically renewed at maturity. You have a grace period of ten 10 calendar days after the maturity date to withdraw the funds without being charged a penalty. CERTIFICATE A written document that is official verification that a condition or requirement has or has not been met. A written assurance issued from a court that is notification to another officer judge or court of procedures practiced therein. A document such as a birth certificate prepared by an official during the course of his or her regular duties and

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