The "Instruction at Maturity" field indicates what will happen to the money when the selected term expires. This can be:

• Capitalization If the principal and interest are not withdrawn at maturity, the amount is automatically reinvested.

• Interest credited to chequing account. At maturity, the interest is credited to the chequing account and the principal is automatically reinvested.

• Principal and interest are credited to the chequing account. At maturity both principal and interest are credited to the chequing account, with no automatic reinvestment.

IMPORTANT: The transaction types depend on the selected maturity instructions. In order to see all the transaction types, tests must be performed using the different maturity instructions.