I have a question on this. I don't have a problem with CD renewals but if you have a loan that has an extension of the maturity date or a change in interest rate or other terms, is FAQ question 12 saying you can have them certify their beneficial ownership form is correct and that they will notify you of any changes and then if they had to extend the loan again, you would be covered? I guess the reason this confuses me is because on a CD you know it could auto renew forever but a loan wouldn't necessarily ever have more than one renewal, but it could.