Ok so I read through the Prospectus and saw the "you may open a file in the second semester of your junior year" and I am a Sophomore in High School. I filled out the "Apply Online" thing and sent it in via web. I then soon found out that the "Apply Online" thing was the opening of a file. I did not know that. Will I get into trouble for opening an account in my Sophomore year and not spring of my Junior year?