A．It guarantees savings up to 250,000 dollars.B．A person can make early withdrawals penalt

A．It guarantees savings up to 250,000 dollars.

B．A person can make early withdrawals penalty free.

C．Its term ranges from a few months to several years.

D．It pays lower returns than a savings account.

请帮忙给出正确答案和分析，谢谢！