It's a big world with plenty of opportunities to grow and diversify your money. All that was missing was the right bridge. We've got better ideas as to how and where to plant your money.
Our first issue was so well-received, we’re extending the opportunity with a second issue. From now until November 16, open your portfolio to the potential of five equally-weighted emerging market currencies.1 This indexed and U.S. dollar-denominated CD offers 100% principal protection2 and a potential enhanced market upside payment of seven times the CD's performance at maturity, with no cap.
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These currencies are not being acquired by you or the bank. The Market Upside Payment of this CD will be based on the equally weighted value of the stated currencies as measured on the Initial Value Date and Final Value Date as described in the Product Calculation Rules in the Term Sheet (the “Reference Index”). On the Initial and Final Value Dates, the prices of the currencies of the MarketSafe Emerging Currencies CD will be quoted from Reuters using the following symbols: Brazilian real-BRLPTAX=CBBR, Chinese renminbi-CNHFIX=, Indian rupee-INRFIX=RBIA, Indonesian rupiah-JISDOR= and Turkish lira-USDTRYFIXM=WM. In the event Reuters fails to publish such prices for any one or all of the currencies, we reserve the right to use an alternative equivalent index or price determination in its discretion.
MarketSafe®CDs, if held to the Maturity Date, will have a guaranteed return of the deposited principal ("Principal Protection"). Principal Protection only applies to CDs held to maturity. In the event of TIAA, FSB's failure, all of your deposits with TIAA, FSB (including this MarketSafe CD) will be aggregated and insured by the FDIC up to the $250,000 maximum. Except in the event of death or adjudication of incompetence of the holder of the MarketSafe CD, you may not withdraw any part of the CD prior to maturity. If you do withdraw early, even if that is due to the death or adjudicated incompetency of the holder of the CD, you will NOT receive Principal Protection and will NOT benefit from any upside potential of the Reference Index, experiencing a loss of principal as an early withdrawal charge. See the Specific Terms - MarketSafe Certificate of Deposit Accounts section in your Account Terms, Disclosures and Agreements Booklet for more information.