The early-withdrawal fee is $3.75 for the first quarter.
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Each quarter after that, the principal amount will be larger, so the interest penalty will be larger. The fee would be the amount of interest that would be credited at the end of the next quarter, or at the end of the quarter currently in progress.
Equation of asymptote can also be called horizontal asymptote. It means the place where the line almost meets but actually not touching the place. The line almost touches y=0 but it actually does not touch it.
