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This contract does not complete or replace your account contract or other existing credit agreements. The most significant risks associated with bank deposits are the risk of interest rates and liquidity. If interest rates fall, there may be more contractual assets in bank deposits than the bank might be able to invest profitably. If interest rates rise, there may be fewer investments and more withdrawals, which leads the bank to maintain a large portion of the liquid funds. In addition, fixed-rate bank deposit contracts are vulnerable to inflation, for example the purchase of a five-year bank deposit contract excludes the possibility of higher returns if interest rates rise during the holding period. These risks increase the overall risk of the bank itself, which is why auditors assess the financing of bank deposits and banking policies and practices related to the banking activity of bank deposits. Second, bank deposit contracts allow withdrawals in certain circumstances before the expiry of the contract (for example.B. when the owner retires, is disabled or experiencing some kind of hardness, or when the sponsor of the pension plan who buys the bank deposit contract is experiencing some kind of financial difficulties). Bank deposit contracts are not identical to certificates of deposit (CDs) for two reasons.

First, deposit agreements allow the investor to make deposits over a period of time, while a CD requires an investment. All deposits made during the bank deposit window (usually a few months) will receive the guaranteed interest rate for the duration of the contract. Often there are minimum and maximum requirements to know how much money can be invested during the window. Bank deposit contracts are similar to guaranteed investment contracts (CICs), except that they are issued by banks and not by insurance companies. The issuer (the bank) guarantees the investor`s return on investment and pays a fixed or variable interest rate until the end of the contract. In the meantime, the bank is striving to get a higher return on the investment than it is willing to pay to the investor. In general, the return on a bank deposit contract increases with the length and size of the investment. A bank deposit contract, also known as a bank investment contract (BIC), is an agreement between a bank and an investor in which the bank provides a guaranteed return in exchange for the retention of a deposit for a fixed period (usually from several months to several years).

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