If I am understanding 1030.5 correctly, it says that any change in terms must be given out at least 30 days before hand if it meets 1030.4(b). 1030.4(b) states that early withdrawal penalty is a disclosure that would meet the 30 day requirement, again if I am reading this correctly. Mr. Carey, we found an ask the guru question that was answered in 2010 that said an increase in withdrawal penalty can be noted on the renewal notice. Our notices go out 10 days before hand. Would this be sufficient?