Payments made prior to the end of the term are to be treated as
advances, and interest is to be calculated accordingly. For these advances, 0.1% is to be
charged for each full month by which the commitment period is not observed. However, interest on
advances must not exceed the total credit interest accrued on the amount accepted; to the extent
necessary, charges may be applied retroactively to credit interest paid out in the preceding
year in cases where the credit interest for the current year is not sufficient. Any reduction of
a commitment duration will also trigger interest on advances. Furthermore, point IV.6. of the
Special Terms and Conditions for Online Saving applies.
