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1 Genworth AM Best A Assets $24.2 Billion Jackson National AM Best A+ Assets $164 Billion Athene Sagicor Forethought EquiTrust EquiTrust Assets $11.8 Billion Assets $1.2 Billion Secure Living AscenderPlus Enhanced ForeCare LibertyMark 7 Sage Advantage Builder Market 10 Index 7 Select Choice 8 LTC Annuity Term Length 7 Years 7 Years 7 Years 8 Years 9 Years 9 Years 9 Years 10 Years AL IN MD MN MS NH NJ NY OR VT WA WY All ST Except DE NY Lower Caps in AK MN MO OR PA WA S&P Trigger 3X CapMax Leverage NY AK CT DE HI MN NJ NY OK OR PA UT Income Rider not in WA Dow Quarterly Cap Dow Monthly Avg AK CT ME MT NH NY SD VT CT NY Fixed Rate Bucket 3.50% CT DE MN NV OR TX UT WA AK CT DE MN NV NY OR TX UT WA RESET DESIGN ANNUAL + BIENNIEL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL ANNUAL + BIENNIEL ANNUAL + BIENNIEL SIZZLE VERY HIGH CAPS 3X CAPMAX ISSUED THRU 88 2% CASH 50% LIQUIDITY LTC ANNUITY ROP ANYTIME ROP ANYTIME Death Benefit Owner Annuitant Owner Owner Owner Owner Owner Owner Issue Age 0 to 85 0 to In OK 0 to in NV Days to to 80 0 to 80 0 to 80 No Immediate No Immediate Immediate No Immediate Immediate Income Rider Fee 1.00% 0.95% on Income Value No Income Rider 1.25% on Income Value No Income Rider Issue Age Based 0.75% on Acct Value 0.75% on Acct Value 9,8.5,8,7,6,5,4 9,9,8,7,6,5,4 +/- MVA 10,9.5,8.5,7.5,6.5,5.5,4.5 10,9,8,7,6,5,4,2 +/- MVA 8,8,8,8,7,6,5,3,1 8,8,7,6,5,4,3,2,1 +/- MVA $25,000 $5,000 $2,000 $35,000 $40,000 in CA 9,8,7,6.5,5.5,4.5, 3.5,2.5,1.5 +/- MVA 10,10,10,10,10, $30,000 $30,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $200,000 $400,000 $1,000,000 $1,000,000 FDPA Or SPDA Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Flexible Premium Flexible Premium BIG MONEY PARTICIPATION RATES & CAPS 65% S&P 2-Yr Par 6.00% S&P Pt to Pt 5.75% Gold Pt to Pt 75% Real Estate Par 6.75% S&P Inversion 8% INCOME 8% Rollup 10 Yrs 107% Min Guarantee Caps 25K to 99K 3.35% S&P Trigger 1.60% S&P Mo Cap 4.30% S&P Pt to Pt 3.60% Bailout Rate Caps 100K to 249K 3.85% S&P Trigger 1.80% S&P Mo Cap 4.80% S&P Pt to Pt 4.10% Bailout Rate Higher Caps 250K Plus Caps Under 100K 1.30% S&P Mo Cap 3.75% S&P Mo Avg 3.50% S&P Pt to Pt Caps Over 100K 1.45% S&P Mo Cap 5.00% S&P Mo Avg 4.50% S&P Pt to Pt Comm 50 bpt less 0-80 AK DE FL IL MN NJ NV OH OK OR PA TX UT 2% PREMIUM Addt 1% on Income Value 6% Rollup 10 Yrs 4.50% S&P Pt to Pt 1.65% S&P Mo Cap 1.10% Dow Qtr Cap 4.50% Dow Mo Avg Comm 75 bpt less CA WA S&P not available IL LA VT 5% PREMIUM Cumulative to 50% HUGE Guarantee 2% on 105% of Deposit 4.00% Ann Pt to Pt CAP Years 2-9 may be HIGHER than 4% Minimum CAP is 4% 7.10% Fixed 1st Year TAX FREE WITHDRAWAL OF GAINS TRIPLE Annuity Value for LTC LTC charges never invade Principal NO Waiting Period Rate under 200K 3.00% 1st Year Min Premium WI 70K Min Premium VT 85K Min Premium OR 60K 1st YR GUARANTEE 5X5 in TX 1X10 Annuitization BIG 1.60% Monthly Cap 3.50% Ann Pt to Pt 1st 5Yrs GUARANTEE 5x5 Annuitization BIG 1.60% Monthly Cap 3.50% Ann Pt to Pt COMMISSION 7.00% 4.50% 4.00% 5.50% 4.50% 6.00% 6.00% 6.00% % % % % % % % 3.00% Yrs 2-5 Page 1 of 5
2 Company Phoenix Phoenix Phoenix Forethought Forethought Forethought Forethought Forethought LITE Personal Personal Personal ForeFront Income 150+ Index 115 Income Retirement Choice Income Annuity Protection Choice Index Advantage Term Length 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years AK DE IN KY MD MN MO MS MT NC NH NJ NV OK OH OR TX UT VA WA ME NY AK ME NY OR WA NJ NY NY CT NY NY NY S&P Pt to Pt CAP S&P Pt to Pt PAR Dow Annual Pt to Pt Dow Annual Pt to Pt No LTC in CA CT IL PA Barclay Bucket RESET DESIGN ANNUAL ANNUAL ANNUAL ANNUAL + 3 YEAR ANNUAL ANNUAL ANNUAL ANNUAL SIZZLE 8% CASH 45% 45% 50% 7% CASH 8% PAYOUT 8% COMMISSION 25% Death Benefit Owner Owner Owner Owner Owner Owner Owner Owner Issue Age 0 to 80 0 to 85 0 to to to to 80 0 to 85 0 to Yr Vesting 3-Yr Vesting 3-Yr Vesting 4-Yr Vesting 10-Yr Vesting 10-Yr Vesting Immediate Immediate Income Rider Fee 0.85% on Income Value 0.95% on Income Value 1.15% on Income Value 0.95% on Income Value 0.95% on Income Value 0.95% on Income Value 0.95% on Income Value 0.55% on Income Value 10,9,8,7,6,5,4,3,2,1 +/- MVA 12,12,12,11,10, 12,12,12,11,10, 10,10,9,9,8,7,6,5,4,2 +/- MVA 10,10,9,9,8,7,6,5,4,2 +/- MVA 10,10,9,9,8,7,6,5,4,2 +/- MVA 12,12,11,10,9,8,7,6,4,2 +/- MVA 12,12,11,10,9,8,7,6,4,2 +/- MVA $15,000 $15,000 $15,000 $10,000 $10,000 $10,000 $10,000 $10,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 FDPA Or SPDA Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium 7% Withdrawals Including 1st Year 8% Rollup 12 Yrs Reset for 24 Yrs Terminal Illness & 3.25% Pt to Pt CAP 30% Pt to Pt PAR Higher than Non Lite Version INCOME TODAY 45% YR % YEAR 2 30% YEAR 1 INCOME TOMORROW 14% Rollup Yrs % Rollup Yrs % S&P Pt to Pt 1.35% S&P Mo Cap 2.75% Dow Pt to Pt not in NC TX WY INCOME TODAY 45% YR % Yr 2 30% Yr 1 Death Benefit Rollup PAID IN LUMP SUM INCOME TOMORROW 14% Rollup Yrs % Rollup Yrs Death Benefit Rollup PAID IN LUMP SUM DEATH BENEFIT ROLLUP 10% for 10 Yrs thru 70 5% for 10 Yrs A % S&P Pt to Pt 1.70% S&P Mo Cap 3.75% Dow Pt to Pt 50% INCOME Up to 8.50% COMMISSION 4 Income Boosts 20% Day One 15% Day 1 Yr 3 15% Day 1 Yr 5 150% Interest Year 10 Caps 100K Band 2.25% S&P Mo Cap 4.50% S&P Ann Cap 4.00% Barclay Spread Call for Caps 10K to 99K 7% PREMIUM 5% Rollup 20 Yrs Caps 10K Band 2.25% Monthly Cap 4.50% Monthly Avg 4.50% Ann Pt to Pt Caps 100K Band 2.50% Monthly Cap 5.00% Monthly Avg 5.00% Ann Pt to Pt AK CT DE MD MN NV OH OK OR SC TX UT WA 5% PREMIUM INCOME VALUE PAID AT DEATH 5% Rollup 20 Yrs 8% Income Factor Start Income NOW 2.50% Ann Pt to Pt 0.75% Monthly Cap 2.50% Monthly Avg AK DE MD MN NV OH OK OR SC TX UT WA 15% INCOME 6% Rollup 10 Yrs Monthly Cap 1.75% 10K Band 2.00% 100K Band Annual Pt to Pt 3.50% 10K Band 4.00% 100K Band AK CT DE FL MN NV OH OR SC TX UT WA 25% INCOME 5% Rollup 10 Yrs Monthly Cap 1.75% 10K Band 2.00% 100K Band Annual Pt to Pt 3.50% 10K Band 4.00% 100K Band AK CT DE FL MN NV OH OR SC TX UT WA COMMISSION 7.00% 7.00% 7.00% 7% PLUS 7.00% 7.00% 8.00% 7.00% % % % % % % % % % % Page 2 of 5
3 Sentinel Security Assets $404 Million Oxford F&G Life F&G Life Athene Phoenix Assets $1.1 Billion Assets $11.8 Billion LibertyMark Prosperity LibertyMark 10 Summit Royal Select Performance Pro Benefit Plus Elite 10 Term Length 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years 10 Years 12 Years AL IN MD MN MS NH NJ NY OH OR VT WA WY AL IN MD MN MS NH NJ NY OR VT WA WY CA FL IL NC PA TX UT WA AL CT MS MT NY VT WV AL AZ CT IA IN MN MS NH NY OR PA VA VT WA Real Estate 5-Yr Spread AL CT MN MS MO NY OR WA CA CT H IL NY WA Personal Retirement Choice AK CA CT DE IA IN KY MD ME MN MO MS MT NC NH NJ NV NY OH OK OR PA TX UT VA WA S&P Pt to Pt CAP S&P Pt to Pt PAR RESET DESIGN ANNUAL + BIENNIEL ANNUAL + BIENNIEL ANNUAL ANNUAL ANNUAL + 5 YEAR ANNUAL ANNUAL ANNUAL SIZZLE VERY HIGH CAPS VERY HIGH CAPS 8% CASH 8% CASH STACKING ROLLUP DEATH BENEFIT LIFETIME ROLLUP 15% CASH Death Benefit Owner Owner Owner Owner Owner Owner Owner Owner Issue Age 0 to 80 0 to 85 0 to to NQ Q 0-80 NQ Q 30 to 80 0 to 80 5% Immediate & 10% after 10 Yrs No 10-Yr Vesting 10-Yr Vesting 10-Yr Vesting 10-Yr Vesting 10-Yr Vesting 12-Yr Vesting Income Rider Fee 1.25% 1.25% 1.05% on Income Value 0.75% on Acct Value 0.95% on Income Value 1.10% on Income Value 1.40% on Income Value 0.85% on Income Value 13,13,12.5,11.5,10.5, 9.5,8.5,7.5,6.5,5.5 12,11.5,11,10.5,10,9,8,7,6,5 10,10,10,9,8,7,6,5,4,2 +/- MVA 10,9,8,7,6,5,4,3,2,1 +/- MVA 14,13,12,11,10,8,6,4,2,1 12,11,10,9,8,7,6,5,4,3 9,9,8,7,6,5,4,3,2,1 +/- MVA 15,15,15,14,13,12, 11,10,9,8,6,4 +/- MVA $10,000 $10,000 $10,000 $10,000 $15,000 $1,000,000 $1,000,000 $1,000,000 $350,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 FDPA Or SPDA Single Premium Single Premium Single Premium Single Premium Flexible Premium Flexible Premium Single Premium Single Premium DOUBLE 5% Upfront & 10% after 10 Yrs Big Money Caps 60% S&P 2-Yr Par 5.00% S&P Pt to Pt 4.75% Gold Pt to Pt 65% Real Estate Par 5.70% S&P Inversion Comm 50 bpt lower & 8% after 10 Yrs AK CT DE FL NV PA SC TX UT Big Money Caps 80% S&P 2-Yr Par 7.50% S&P Pt to Pt 7.50% Gold Pt to Pt 95% Real Estate Par 8.75% S&P Inversion 0-80 & 1.5% lower AK CT DE FL NV OH PA SC TX UT 5.5% in TX PA UT WA 5% Withdrawals 6% Rollup 20 Yrs Reduce bonus 1% without Income Rider 3.25% Daily Average 3.15% Monthly Avg 2.90% Ann Pt to Pt 6.5% Rollup 10 Yrs 2.80% Ann Pt to Pt 2.80% Monthly Avg 9.40% Fixed 1st Year Comm 75 bpt lower MA MN MO NJ OR PA WA 1st YR 5% A76-80 STACKING ROLLUP 4% Up to 20 Yrs Plus Annual Index Growth Every Year in FL HI IL 2.25% S&P Mo Cap 4.75% S&P Pt to Pt 5.50% Gold Pt to Pt 11.75% 5-Yr Spread AK DE FL MA NV OH OK SC TX UT 7% PREMIUM 3.50% Age Income Value Paid At Death over 5 Yr 7% Rollup 20 Yrs 6.5% in Indiana 4.25% Ann Pt to Pt 2.00% Monthly Cap 5.25% Monthly Avg Comm Lower AK DE NV OH OK SC TX UT 1% Lower % Bpt Income Value 10% Income Yrs 2 thru 6 5% Year 7 7% Rollup Yrs % Rollup Year % Income for LTC 3.65% S&P Pt to Pt 2.05% S&P Mo Cap Caps lower MN MO OR PA UT 1.0% Trail Commission 1st & 2nd Anniversary 15% PREMIUM 7% Withdrawals Including 1st Year 8% Rollup 12 Yrs Reset for 24 Yrs Reduce bonus 3% without Income Rider 3.25% Pt to Pt CAP 30% Pt to Pt PAR 8% & 10 Yr Surr Charge in FL Age 65+ COMMISSION 7.00% 8.00% 7.25% 6.50% 8.00% 7.50% 6.00% 7.00% Florida 6.25% % % % % % % % % Page 3 of 5
4 National Western AM Best A Assets $9.8 Billion F&G Life EquiTrust EquiTrust F&G Life MULTI-YEAR GUARANTEE ANNUITIES Liberty Forethought Manhattan Life Bankers + Assets $310 Million Assets $1 Billion Prosperity Ultra Classic Market 12 Market Power LegendMark SecureFore Preferred Choice Bankers Elite Elite 14 Term Length 13 Years 14 Years 14 Years 14 Years 14 Years 3 or 5 Yrs 3, 5, 6 or 7 Yrs 3, 5, 7 or 9 Yrs AL AK CT DE IL IN MA MN MS NJ NV NY OH OR PA SC TX UT WA *FL 65+ Investor Only AL AK CT DE MA MN MS NV NY OH OK OR SC TX UT WA AK CT DE MN NV NY OH OR TX UT WA *FL 65+ Investor Only CT DE MN NV NY OR TX UT WA *FL 65+ Investor Only AK AL AZ CT DE IN MA MN MS NH NV NY OH OK OR PA SC TX UT VT WA NY AZ CT DE DC NY ND SD AL AK CT DC DE ME MA MN MO NH NJ NY RI VT S&P Annual Trigger 3 Years 1.75% 5 Years 2.10% 3 Years 1.80% 5 Years 3.00% 6 Years 3.15% 7 Years 3.20% 3 Years 1.90% 5 Years 3.00% 7 Years 3.15% 9 Years 3.35% RESET DESIGN ANNUAL ANNUAL ANNUAL + BIENNIEL ANNUAL + BIENNIEL ANNUAL GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED ALL YRS SIZZLE 10% COMMISSION DEATH BENEFIT 12% CASH 10% CASH VERY HIGH CAPS A- RATED CO Only thru DFW Great Rates Death Benefit Annuitant Owner Owner Owner Owner Owner Annuitant Annuitant Issue Age 0 to in FL 0-80 NQ Q 0 to 75 0 to NQ Q 0 to 85 0 to on 3 YR See Below No 14-Yr Vesting 3-Yr Vesting Immediate 14-Yr Vesting No Auto Renewal No Auto Renewal No Auto Renewal Income Rider Fee 0.35% on Acct Value 1.10% on Income Value 0.75% on Acct Value 0.75% on Acct Value 0.70% on Income Value GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED ALL YRS 15,14.75,14,13,12.25, 11.25,10.5,9.75,8.75,8,6,4, ,13.75,12.75,11.75, 10.75,10,9,8,7,6,5,4,3,2 20,20,19,19,18,17,16, 14,12,10,8,6,4,2 +/- MVA 20,20,19,19,18,17,16, 14,12,10,8,6,4,2 +/- MVA 14.75,13.75,12.75,11.75, 10.75,10,9,8,7,6,5,4,3,2 $10,000 $30,000 $20,000 $10,000 $10,000 $500,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 8,8,7,6,5 8,7,6,5,4,3,2 $3,000 3, 5 & 7 $25,000 6 Year 7.9,7.0,6.2,5.3,4.4, 3.5,2.7,1.8,0.9 +/- MVA $10,000 $1,000,000 $500,000 FDPA Or SPDA Flexible Premium Flexible Premium Single Premium Single Premium Flexible Premium Single Premium Single Premium Single Premium Cumulative to 50% 4% Age Income Value Paid At Death over 5 Yr 12% PREMIUM 1st YR 5% A % Withdrawals during term period 4% Rollup Every Yr No Income Rider fee if S&P is Down 5X5 Annuitization 7% Rollup 20 Yrs 6.5% in FL HI IL IN BIG 6% Up Front 2% 1st 2nd 3rd Anniv BIG Paid Upfront 10 Yr Surr in AK IL OH Income Base Greater of 5% for 10 Yrs OR Acct Value Times 5, 10,15,20,25,30,35,40, 45 or 50% first 10 Yrs EXCLUSIVELY THRU DFW Surving spouse may continue annuity Non-spousal benny may defer claim to avoid surr chg 2.50% Monthly Cap 95% Mo Avg Par 0.15% Mo Avg Spread 3.15% Fixed 1st Year FL 4.75% Ann Pt to Pt 2.25% Monthly Cap 5.75% Monthly Avg Max Issue A80 in IN 3.50% Daily Average 1.50% Monthly Cap 3.00% Ann Pt to Pt 1.70% Monthly Cap 3.75% Ann Pt to Pt 10.0% 2-Yr Mo Avg 10-Year Surrender in AK IL OH 4.00% Monthly Cap 9.00% Ann Pt to Pt 6.75% Trigger Rate Performance Fee of 1% applied to Acct Value Annually Issued in FL 0-64 Only COMMISSION 10.00% 8.00% 8.50% 8.50% 8.00% & Terminal Illness s Interest Only on 3 Year Annuity No 15% Withdrawal Max Issue Ages 3 Yr 0 to 90 (80 FL) 5 Yr 0 to 90 (80 FL) 7 Yr 0 to 85 (75 FL) 9 Yr 0 to 80 (70 FL) Full Comm All Ages 5 Year 2.50% 3 Year 1.80% 7 Year 2.40% 6 Year 2.20% 9 Year 2.75% 7 Year 2.50% Reduced 76 NQ & 71Q % % 7.00% in AK IL OH % % % Less 5 Yr 2.00% 3 Yr 1.20% 5 Yr 2.25% 3 Yr 2.00% Page 4 of 5
5 MULTI-YEAR GUARANTEE ANNUITIES Company Delaware Life EquiTrust Guggenheim Oxford Bankers Life Bankers Life Assets $50 Billion Assets $11.1 Billion Assets $1.1 Billion Assets $251 Million Assets $251 Million Sentinel Security Assets $404 Million Western United Life + Assets $872 Million Income Personal Pinnacle Certainty Select Preserve MYGA SPDA Select SPDA 5 Quester II Protector Choice Annuity Term Length 3, 5, 7 or 10 Yrs 3, 5 or 6 Yrs 4, 5, 6 or 8 Yrs 5 Years 5 Years 5 Years 5, 7 or 10 Yrs 6 Years Interest Rate AZ CA NY NY NJ NY AL MS MT NY VT WV 3 Years 2.00% 5 Years 2.80% 7 Years 3.35% 10 Year 3.65% 3 Years 1.75% 5 Years 2.50% 6 Years 2.85% 4 Years 2.35% 5 Years 2.85% 6 Years 3.00% 8 Years 3.20% AZ CA CT DE DC FL IA ME MA MN MT NV NH NJ NY NC ND OR RI SD VT WA WI CA CT IA ME MA MN NH NJ NY NC OR RI VT WI AL AK CT DE DC IN KY LA ME MD MA MI MS MO NH NJ NY OH RI SC TN VT VA WA WV WI 2.65% 3.20% 2.90% 5 Years 3.20% 7 Years 3.45% 10 Year 3.75% AZ HI ID IN MT NE NV ND OK OR SD TX UT WA WY 3.10% GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED 5 YEARS GUARANTEED 5 YEARS GUARANTEED 5 YEARS GUARANTEED ALL YRS BAILOUT YRS 2-6 SIZZLE A- RATED CO A90 Commission Great Features A- RATED CO Great Rate Great Features HIGHEST RATES ROP Guarantee Death Benefit Owner Owner Owner Owner Owner Annuitant Annuitant Annuitant Issue Age 0 to 85 0 to 90 0 to to 80 0 to 90 0 to 85 0 to In OK 0 to 84 Renewal Window End of Term 30 Day Window 30 Day Window 30 Day Window 30 Day Window 30 Day Window No Auto Renewal 30 Day Window No Auto Renewal Guar Formula GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED ALL YRS GUARANTEED 5 YRS GUARANTEED 5 YRS GUARANTEED 5 YRS GUARANTEED ALL YRS BAILOUT YRS 2-6 7,6,5,4,3,2,1,1,1,0.75 +/- MVA 10,10,9,9,8,8 +/- MVA 7,6,5,4,3,2,1,1,1,.75 +/- MVA 10,9,8,7,6 +/- MVA 9,8,7,6,5 +/- MVA 9,8,7,6,5 9,8,7,6,5,5,5,5,5,5 +/- MVA 5,5,5,5,5,4 $10,000 $20,000 $10,000 $10,000 $2,500 $25,000 $1,000,000 $1,000,000 $1,000,000 $350,000 $500,000 $500,000 $1,000,000 $1,000,000 FDPA Or SPDA Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Single Premium Cks during term period Add No Riders & Maximize Rate 15% Withdrawals Critical Illness & Home Health Care & Illness s Full Commission thru A90 without Death Benefit Rider Add No Riders & Maximize Rate Death Benefit included & rate 10 bpt lower in FL Death Benefit required A86-90 all st FL ANY TIME COMMISSION FREE Cruise for Agents Top Seller in Bank Channel Comm 50% lower BEST COMMISSION AGE 81 TO 90 6 Year 2.25% 5 Year 2.25% 3 Year 1.50% Rate under 250K 10 Bpts Lower Comm 25% lower Comm 50% lower Call for commission in DE MO OR PA WA Best Rate Rating & Commission Combination! Optional Liquidity Riders reduce rate Death Benefit.35% 10% Withdrawal.10%.05% Optional Liquidity Riders reduce rate Death Benefit.35% 10% Withdrawal.08%.08% MN rates 30 bpt lower Surrender charge waived if rate yrs 2-6 is below rate above 10 Year 3.00% 6 Year 3.00% 10 Year 2.75% 5 & 7 Yr 2.50% 5 Year 3.00% 2.50% 3.00% 2.50% 2.25% 5 & 7 Yr 2.25% 2.40% 3 Year 1.00% 3 Year 2.00% 4 Year 1.75% % DB Rider % % Yr 2% 5&7 1.5% % Page 5 of 5
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