I find TD guilty on this front. For 30 years they have sold my old age parents ( 93 years old)  a GIC with a term of 12- 18 months.  In December, they sold them a GIC locked in for 3 years with penalty of $6000 if they they tried to terminate it before maturity. This was not communicated to my parents who thought that the penalty for early termination would be to forfeiting interest payments.
Check the termination terms, it does state the penalty due for early termination. Why?