ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN"> <html> <head> <title>CommunityAmerica Help</title> <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"> <link href="../../styles/styles.css" rel="stylesheet" type="text/css"> </head> <body class="grayTxt"> <span class="blueBold">Help Center</span> <br> <br><p class="disclosure"><a href="a.html">A</a> | <a href="b.html">B</a> | <a href="c.html">C</a> | <a href="d.html">D</a> | <a href="e.html">E</a> | <a href="f.html">F</a> | <a href="g.html">G</a> | <a href="h.html">H</a> | <a href="i.html">I</a> | <a href="j.html">J</a> | K | <a href="l.html">L</a> | <a href="m.html">M</a> | <a href="n.html">N</a> | <a href="o.html">O</a> | <a href="p.html">P</a> | <a href="q.html">Q</a> | <a href="r.html">R</a> | <a href="s.html">S</a> | <a href="t.html">T</a> | <a href="u.html">U</a> | <a href="v.html">V</a> | <a href="w.html">W</a> | X | Y | Z</p> <p><b>Income Beneficiary:</b> An individual designated to receive distributions of trust income. <br> <br> <b>Independent Agent:</b> One who has the unlimited ability to select the best product for the consumer from virtually any insurance company.</p> <p><b>Index Rate:</b> A variable interest rate that is tied to an index. <br> <br> <b>Individual Application:</b> An application with only &quot;one&quot; applicant. Only the individual applicant's debt, income, and credit history are used to qualify the loan. (For example, if a customer is married and applying individually, the applicantÌ ÿs spouseÌ ÿs income would not be used to qualify the loan.) <br> <br> <b>Installment Loan:</b> A type of loan in which borrower(s) make regular periodic payments for the life of the loan. <br> <br> <b>Installment Note:</b> A promissory note that by its terms is payable in periodic installments, such as monthly or quarterly payments of principal or interest or both. <br> <br> <b>Insurability:</b> The determination by the insurance company that you are an insurable risk. <br> <br> <b>Interest:</b> The amount paid by a borrower to a lender in exchange for the use of the lender's money for a certain period of time. <br> <br> <b>Interest Rates:</b> With regard to permanent life insurance, is the rate of return applied to the investment portion of the policy. <br> <br> <b>Interest Rate Cap:</b> Consumer safeguards that limit the amount the interest rate on a variable rate loan can change in an adjustment interval and/or over the life of the loan. <br> <br> <b>Interest YTD:</b> The total amount of interest you have paid on your loan so far during the current calendar year. <br> <br> <b>Intestate:</b> An individual who died without a valid will.</p> <p><strong>IRA Account:</strong> IRAs provide members with a low-risk retirement savings option. They are also an excellent complement to an employer&#8217;s 401k Plan. Members can contribute gradually through payroll deduction, a lump sum deposit, in person by mail or by wire. The minimum balance on this account is $1.00. Dividends compound daily and are paid on the last day of each month. </p> <p><strong>IRA Certificate of Deposit:</strong> Any term certificate can be used as an IRA Certificate and provides members with a low-risk retirement savings option. A Certificate of Deposit is a term savings account that provides the member with an alternative investment offering a higher yield in a low-risk environment. Terms extend from 3 months to 5 years. A $500 minimum deposit is required. Dividends are compounded monthly and paid monthly. Non-checking members receive quarterly statements with this account.<br> <br> <b>Irrevocable Trust:</b> A trust created for the permanent transfer of assets. Unlike a revocable trust, it cannot be changed or revoked by the person who created it. </p> </body> </html>