by David Dickinson:
If you don't state the APY (or any Bonus info), you don't trigger anything further. Being unclear is not good (UDAP), but you're not technically triggering any of this. You could add "ask us for more information" on something similar.
by Richard Insley:
Good advice about disclaimer, David. There should be room somewhere on a printed rate sheet to put some of the familiar boilerplate, like: Member FDIC (required), conditions apply, minimum deposit (or term) required, penalty for early withdrawal, product is sold by weight not volume some settling of contents may have occurred during handling, and batteries not included.