Final answer:
Term deposits ineligible for the 15 day rate guarantee typically include pre-agreed fixed rate deposits and promotional or special offers with a rate lock, as well as brokered deposits and those conducted through third-party services.
Step-by-step explanation:
Term deposits, sometimes known as certificates of deposit (CDs), that are generally not eligible for the 15 day rate guarantee are those that have a pre-agreed interest rate established at the time of the deposit or those that are promotional offers with special conditions attached. The 15 day rate guarantee is usually a benefit provided by banks or financial institutions that allows depositors to receive a higher interest rate if the rates go up within 15 days of opening a new term deposit or renewing an existing one. However, the eligibility often excludes brokered deposits, as well as certain promotional or special term deposits where a rate lock is part of a limited time offer, and deposits made through third-party services.