To help consumers compare retail financial products more fairly and easily, many countries require financial institutions to disclose the annual compound interest rate on deposits or advances on a comparable basis. The interest rate on an annual equivalent basis may be referred to variously in different markets as effective "annual percentage rate" (EAPR), "annual equivalent rate" (AER), "effective interest rate", "effective annual rate", "annual percentage yield" and other terms. The effective annual rate is the total accumulated interest that would be payable up to the end of one year, divided by the principal sum.