What are the fees for withdrawing my Market Trust funds early?

If you choose to make withdrawals from the guaranteed interest rate product before the end of the 5-year term, the issuer will apply a withdrawal or surrender charge to the amount withdrawn and may also apply a market value adjustment which may increase or decrease the amount withdrawn. If you are under age 59 ½, the withdrawal will also be subject to a 10% federal excise tax on the portion of the withdrawal representing interest.

Important note: Any amounts withdrawn from the guaranteed interest rate product will reduce the interest you will earn over the 5-year term and, therefore, your initial deposit may not be fully protected following any withdrawals.