The combination of a relatively short term with comparatively high interest, in contrast to other options available to investors, like certificates of deposit (CDs), makes clap notes very attractive to investors who can afford them. Using the example above, assuming that the $100,000 10/10 clap note has a term of two years, the investor sees a return on his $90,000 principal of $10,000 per year (i.e. $20,000) plus another $10,000 when the term ends. On the $90,000 principal that would be a return on investment (ROI) of $30,000 (i.e. 33.33%) over a two-year period or 16.66% per annum (APR). At the time of this writing, that return represents more than four times the rate available on a comparable CD at a reputable U.S. bank.