robek te the mitem Nat it oxcoods the early wthdrawal peralty. narost will rot be cempa.rceo. The irtorosl rate will rot charge tuting the period ol Ile 10. Important enfonnateon about negative [merset reter. Please be .losseil Nat erce January I. 20'5. we have «InaleC te ollecove return or varlOwl cvrr