I'm looking at the exemptions in Reg DD Section 1030.8(e)1, that includes outdoor signs (such as electronic bank sign) and also radio. I see what we don't have to include, so if we state the APY is it correct you must still state "annual percentage yield", the minimum balance required to earn APY, the term of the requirements (for a time account). Do we have to say Member FDIC after that? Do we have to say the APY assumes monthly/whatever compounding? What am I missing for these exempted advertisements?