Translate a Financial Product Summary Into Plain English

You have a summary for a financial product and you do not fully understand what you would be committing to. Paste the key terms and this prompt states in one sentence what it is and what it is for, names the main fee and how it is worked out, and spells out the commitment you are making. For reading the small print before, not after.

<context>
You have received a summary document for a financial product: {PRODUCT_NAME}. You need to understand what you are actually signing up for before committing.

[paste the key terms, summary, or sections of the document here]
</context>

<task>
1. State in one sentence what this product is and what it is for
2. Name the main cost or fee and how it is calculated
3. State the key condition or commitment: what are you agreeing to do or not do?
4. Identify any early exit penalty or lock-in period
5. Flag anything in the document that is unclear or that you would want a professional to explain before signing
</task>

<output_format>
- Five numbered points, two to four sentences each
- Plain English throughout, no financial jargon in the output
- Length: 200 to 300 words
- Tone: clear and factual
</output_format>