Which types of advertisements are exempt from the requirements of the triggering terms?

The correct response is based on the criteria established by the Truth in Savings Act regarding advertising and the disclosure of specific terms related to deposit accounts. Certain types of advertisements are exempt from disclosing triggering terms because they are either less likely to mislead consumers or do not present a complete offer.

Advertisements on TV or radio fall into a category where the format may not allow for full disclosure of the required information on terms and conditions due to time constraints. As such, these advertisements can avoid disclosing triggering terms to focus on broader promotional aspects without the risk of confusing potential customers with overly complex or detailed information.

In contrast, advertisements in newspapers, on the internet, or in bank brochures usually provide opportunities for fuller disclosures. These media formats have the capacity to accommodate comprehensive information that consumers need to make informed decisions, thus they are typically subject to the triggering terms requirements.