The Extra-plan Time is also the actual value and no utilization rate considered.

Extra-plan 时间就是实际的值，不会考虑使用频率。

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When bill discount, the bank presses fixed interest rate from bill expire deduct in the value come from loan day of note maturity should plan accrual, pay the person that oppose a bill more than.

票据贴现时，银行按一定的利率从票据的到期值中扣除自借款日至票据到期日的应计利息，将余款付给持票人。

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An alternate value of the plan would drop the tax on smaller deposits considerably while pushing the top tax rate up to 12.5%.

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Knowing when your employer intends to integrate the corporate bond rate into your plan, and the impact this will have on your lump-sum value, is crucial for your retirement planning.

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