Certificates of deposit pay the highest rates of interest offered by banks and savings institutions....: ответ на тест 1007001 - Английский язык

Certificates of deposit pay the highest rates of interest offered by banks and savings institutions. They require the money to be left on deposit for a specified period of time that can run from a few weeks to five or more years. The money can be withdrawn early, if necessary, but not without a penalty.
Правильным переводом подчеркнутого грамматического явления является …