Most high-yield savings accounts are FDIC-insured, which means your money is protected if the bank fails. GIAs are also Tax-Free Savings Account (TFSA) eligible. However, if market interest rates go down, the account holder will not receive the higher interest rate. Has market volatility given you cold feet about investing? It is calculated everyday as the weighted average of the rates of the securities the Fund is invested in. Is there a guaranteed return rate for the Money Market Fund? When will my investment contribution reflect on my dashboard? TIPS are considered a low-risk investment option as they are issued and backed by the U.S. government. A guaranteed investment account (GIA) is an investment account that offers a guaranteed rate of return. Investing in a guaranteed interest account is a great way to secure your money, as there is very little risk. Typically, a guaranteed interest account has terms of 5 years or more, and the interest rate is locked in for the entire term. cdc zombie preparedness 2021; how did the treaty of versailles lead to ww2; Who manages the AXA Mansard Money Market Fund? axa guaranteed interest account. endstream endobj 91 0 obj <>stream **Withdrawals from GDAs and TDAs prior to maturity will be subject to market value adjustments. axa guaranteed interest account. Policyholders and prospective policyholders should read the Assuris brochure for details and limitations of coverage. However, its important to note that bank-brokered CDs typically have penalties for early withdrawal, meaning you will lose some or all of the interest if you withdraw the money before the term of the account is up. Find the highest interest rates for your savings ranging from 2 to 10 years. Any person who High Yield Savings Accounts. There is no guaranteed return rate for the Fund. June 14, 2022; salem witch trials podcast lore AXA has innovated in this area by selling variable annuity products, whose guarantees (in the event of death, annuity, etc.) U;jUKmph>Mdkbdj\]PLc{H.{O~>Pg>vIyVe)Rbt4Q~AEPZGwA)l40s%4*_VA[?2 IGKk8x#>X$vjcjJ 1e8Ag!fowJ+8+YEqibBvE Installment lease contract means a lease contract that authorizes or requires the delivery of goods in separate lots to be separately accepted, even though the lease contract contains a clause "each delivery is a separate lease" or its equivalent. The Equity Income Fund is open to investments from anyone i.e. With TIPS, the principal value of the bond is adjusted for inflation. Is there a guaranteed return rate for the Equity Income Fund? Deferred Interest shall have the meaning set forth in Section 4.1. What is the minimum withdrawal amount from the Money Market Fund? We will credit the amount held in the Guaranteed Interest Option with interest at effective rates that we set periodically. Treasury bonds, also known as T-bonds, are a type of debt security issued by the U.S. Department of Treasury. Guaranteed Securities has the meaning specified in Section 14.1. Therefore, a guaranteed interest account may be the right choice if you want guaranteed growth with little risk. #i~J46p*p For example, if you are saving for retirement and are worried about the stock market, a GIA can provide stability and help you reach your goals. A Guaranteed Interest Account (GIA) is an ideal account for saving toward a special purchase, creating an emergency fund, a guaranteed holding of your investment portfolio and even guarding against market volatility. You can request a transfer via the Internet by visiting our axa-equitable.com website and registering for online account access. Mutual funds are not guaranteed. Our expert reviewers hold advanced degrees and certifications and have years of experience with personal finances, retirement planning and investments. Guaranteed Sum means: The maximum amount of R . Guaranteed Distributions means (i) for each Distribution Date, an amount, if any, by which the amount available to be paid as interest to the Guaranteed Certificates, pursuant to the priority of distributions set forth in the Pooling and Servicing Agreement, is less than the Interest Distribution Amount on the aggregate Adjusted Certificate Principal Balance of the Certificates for such Distribution Date; (ii) for any Distribution Date after the Parity Date, with respect to each Certificate, an amount with respect to principal equal to the excess of (a) the Certificate Principal Balance of such Certificate over (b) the sum of the Adjusted Certificate Principal Balance for such Certificate plus amounts previously paid as Guaranteed Distributions on such Certificate under this clause (ii); and (iii) without duplication of amounts paid pursuant to clause (ii), to the extent unpaid on the Final Scheduled Distribution Date or the earlier termination of the Trust Fund pursuant to the terms of the Pooling and Servicing Agreement, any remaining Certificate Principal Balance for such Certificates; in each case in accordance with the original terms of the Certificates when issued and without regard to any amendment or modification of the Certificates or the Pooling and Servicing Agreement except amendments or modifications to which Financial Security has given its prior written consent. Guaranteed return investments are typically considered safe investments, but the company offering the plan is always at risk of going out of business. The daily yield of the Fund is displayed on www.axamansard.com. No, there is no guaranteed return rate. How Does A Guaranteed Interest Account Work? This is what would be the bond portion of my 403b and represents 40% of my account value. They are considered to be a low-risk investment option as they are issued by the U.S. government and are backed by the full faith and credit of the United States. Pay bills, Invest in multiple portfolios and grow your funds on the go, The AXA Mansard Money Market Fund enables you save in low-risk, very liquid, short-term instruments. PURCHASE CONTRACTCONTINUATIONPURCHASE CONTRACT 101018 REVISION: 220 Page 123 of 210ITEMEAEADX-C9DX-C9CARRIAGE ADAPTORYOKE1034-9681-0031034-9606-004HQ0006-01-C-0001/HQ0006-01-C-0001HQ0006-01-C-0001/HQ0006-01-C-000102700271QUANTITY UM PART NUMBERVENDOR P/N DESCRIPTIONCUSTOMER / PRIME CONTRACT NUMBER PRIORITY RATING FUNDED UNIT PRICE FUNDED EXTENDED PRICE10101010Quantity OrderedQuantity OrderedItem Reference:Item Reference:Undefinitized price included in item 0165Undefinitized price included in item 0165Ship This Item Only To:Ship This Item Only To:See Attachment A120See Attachment A120,,VHA**W0**001VHA**W0**001PROJECT CCN TRUE MANUFACTURER675784675784Item Unit Value:Item Unit Value:$0.0000$0.0000Value Code:Value Code:$0.0000$0.0000$0.0000$0.000020-NOV-0920-NOV-09Scheduled Delivery DateScheduled Delivery Date. You may be wondering about guaranteed return investments if youre looking for a safe and secure investment with a guaranteed return. If you do not have a financial advisor and would like to speak to one, call us at 1.800.668.4095 and our customer service team would be pleased to have an advisor in your area contact you. A guaranteed interest accounts main benefit is providing peace of mind in uncertain economic times. Content is based on in-depth research & analysis. Banks and credit unions offer high-yield savings accounts and often have higher interest rates than traditional savings accounts. You can also write to us at our Administrative Office. For more information, please check out our full disclaimer and complete list of partners. Guaranteed interest accounts provide reliable, consistent returns and can be used for short-term savings or to supplement other investments in your portfolio. Yes, the AXA Mansard Equity Income Fund pays dividend annually. 2 0 obj Can Guaranteed Return Investments Lose Value? Siddharth decides to buy Bharti AXA Life Smart Invest Guaranteed Plan and opts for a single premium payment and option 1 (Lower Life cover) with a policy term of 5 years. Finally, youll want to consider the safety of the investment. 0000001136 00000 n Adults, Children and Corporations. These include annuities, government bonds, and bank savings accounts. In exchange, the insurer agrees to pay you a guaranteed rate of return on your investment. This article will provide an overview of the different types of guaranteed interest accounts, their advantages, and tips for choosing the best option. transferring the account value from any variable investment option to another variable investment option. Opinions expressed herein are solely those of AWM, unless otherwise specifically cited. They are considered a low-risk investment option, as the principal investment is FDIC insured. Unless otherwise indicated, the use of third party trademarks herein does not imply or indicate any relationship, sponsorship, or endorsement between Good Financial Cents and the owners of those trademarks. Additional documents required include government issued proof of identification, passport photo, proof of address (utility bill) and signature. 1,00,000 (exclusive of taxes, rider premiums, and underwriting extra premiums). 4 0 obj GDAs are a great way to earn a competitive interest rate and safely grow your savings. <]/Prev 197628>> The Guaranteed Interest Account is not an available option with Automatic Transfer Service. You can stay in the Fund for whatever length of time you desire, the interests are accrued on a daily basis. However, annuities are expensive investments with high fees, and you may not get the full benefit if you pass away too early. Currently, these interest rates are set monthly. These CDs are typically sold through a broker or financial advisor rather than directly from the bank. To check your AXA Mansard Investments account balance, simply log on to your www.axamansard.com account. expertise required to make optimal investment decisions on behalf of the Fund. Our GIAs provide security of principal with a guaranteed rate of return. Unit holders, upon subscription shall have the option of the accrued interest paid into their designated bank account or reinvested which means that the income will added back to the principal. This option requires a minimum $10,000 investment. This Fund offers the potential for capital appreciation & income But with so many options, its important to research, compare products and select an investment that fits your risk tolerance level and goals. where you receive a more Many of the best high-interest savings accounts belong to online-only banks, like Discover and Ally. j=U#j tY]PwMNgf| 3+0Sj`c"|_Y]=({=XdKcZ7{0)Y)TBq*Nz2&ar!]Ta#lWCgW*{ Cj!"BhP@K mPivEX[8}2hgA0hZ1b`+K!/:|;{A Your available balance can be seen under Portfolio on the Investments page. Whole life insurance is an option for those looking for a guaranteed return on their investment and those who want to provide financial protection for their loved ones in the event of their death. }i) .1mNB?GD?\`A62Nv^8;ca8OFqB:HUr_5wT]R`,QaAU2.u>. Get help from a licensed financial professional. If you need assistance, please contact a customer service representative by calling 1-800-777-6510. I've had this account since 2004, hence the good rate. *% 4(xT@,QTjL}&QD1* Alternatively, you can visit any of our welcome centers. Jeff holds a Bachelors in Science in Finance and minor in Accounting from Southern Illinois University - Carbondale. Treasury Inflation-Protected Securities (TIPS) are a type of government bond offered by the U.S. Department of Treasury. The Fund Manager will pay dividends (accrued interest) and distributes this on a quarterly basis. https://www.newyorklifeinvestments.com/assets/documents/stable-value/nylim-guaranteed-interest-account-529-plans.pdf. Guaranteed Payment means, for each Lease that is a TRAC Lease included in the Series 2014-1 SUBI, the amount fixed by the related Obligor and the Titling Trust, at the inception of such Lease to be owed by the related Obligor to the lessor at the expiration of the term of such Lease. However, its essential to do your research before investing in one of these plans. When you open a CD, you agree to keep your money in the account for a set period of time. Equitable Life Savings & Retirement Webinar Series welcomes Mackenzie Global Strategic Income. Additionally, the interest rate on a fixed annuity is guaranteed for the annuitys term, which means that even if interest rates fall, the rate on your annuity will not change. If market interest rates rise, the value of your GIA will go down. The guaranteed interest option is part of what your policy and other supplemental material may refer to as the "Guaranteed Interest Account" or "Guaranteed . All Rights Reserved. How Much Should I Have in Retirement at 40? 47, if applicable). You can invest any amount in the fund subsequently. All of our content is based on objective analysis, and the opinions are our own. The Fund invests in money market securities which include Treasury Bills, Fixed Deposit and guaranteed Commercial Papers. 0000003753 00000 n Have you heard about Equitable Client Access? aggiornare php aruba hosting linux. What other investment options does AXA Mansard Investments offer? Guaranteed funds are investment accounts that offer a guaranteed rate of return. Interest Option has the meaning given such term in Section 2.5(c). Getting a tax refund is exciting, but should it be? The Fund is managed by skilled and experienced Portfolio Managers at AXA Mansard Investments. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. This makes annuities a great way to ensure a steady income stream in retirement. Find competitive rates from 423 banks and credit unions for your savings. Whole life insurance is a type of permanent life insurance policy that provides a guaranteed death benefit to the policyholders beneficiaries in the event of their death, as well as cash value accumulation over time. Guaranteed return plans are a good choice for investors who want to earn a fixed rate of return on their investment. Another option for guaranteed return plans is a fixed annuity. ,vsKO*l! 2023 Good Financial Cents. You can get a guaranteed return of 4.5 percent. Guaranteed interest accounts offer a stable rate of return. Additionally, these types of investments can be volatile in the short term. Access to your Individual Investment and Insurance policy information such as account activity, balances, coverage and payment details. Treasury bonds can be a good option for anyone with a low-risk profile who wants a guaranteed rate of return. Who can invest in the Equity Income Fund? The face value of the bond is returned to the bondholder when the bond matures. Its for this reason that long-term investments should almost always be invested in the stock market in the form of ETFs, mutual funds, or individual stocks. When you invest in a fixed annuity, you make a lump sum payment or series of payments, and in return, you receive a guaranteed stream of income for a certain period, usually, after you retire. expectation. The income may be guaranteed for a certain number of years or life. A GIA can also be used as a guaranteed holding of an investment portfolio or even guarding against market volatility. Although the interest rates on GIAs are typically lower than other investments, such as stocks or mutual funds, there is no risk of losing your principal investment. The DIA is similar to a high-interest savings account and may be ideal for those seeking a stable and secure investment for emergency savings or for those who have not yet defined their goals. The minimum amount required to invest in the Money Market Fund is 2,000. By mail: AXA EquitableLife Operations P.O. localiapstore repo reddit; amethyst wolf meaning; accident in west sussex today; axa guaranteed interest accounttexas rent relief status wotexas rent relief status wo FDIC.gov (2022, Sept 13) Deposit Insurance At A Glance. Also referred to as the Guaranteed Interest Account. xref Therefore, you may be penalized if you need access to your money before the end of the term. The underlying assets include treasury bills, fixed deposits, and commercial paper with high credit rating Guaranteed Interest Option the Funding Account that is part of AXA Equitable 's general account and pays interest at guaranteed rates set by AXA Equitable. 0000002320 00000 n Its also important to consider the depositors insurance coverage and the banks credit rating. In other words, the rate will remain the same for a specified period, usually one year or longer. He was a financial planner for 16+ years having founded, Alliance Wealth Management, a SEC Registered Investment Advisory firm, before selling it to focus on his passion - educating the masses on the importance of financial freedom through this blog, his podcast, and YouTube channel. Single-premium: You purchase the annuity with June 14, 2022; salem witch trials podcast lore This guide will discuss how guaranteed interest accounts work and examine some of the best plans available today. GUARANTEED INTEREST ACCOUNT RATES Product Guaranteed Interest Account Rate Equitable AdvantageSM, Series 162 Equitable AdvantageMaxSM 3.00% VUL Optimizer, Series 160 VUL Optimizer Max 3.00% VUL Legacy, Series 160 3.00% COIL Institutional SeriesSM (Series 162) 3.00% VUL Survivorship, Series 160 3.00% BrightLife Grow, Series 159 2.00% MyAXA app is available on the Google Play and App Stores. Deferred annuities may be a good option for those looking for a guaranteed rate of return and a secure retirement income, but be mindful of penalties and fees. ^8JC!T|sxQUSyjO?L3TNVA7>|oy>TW+[NU+e{zeUmFHH(IHHt7AzO7~2,/wS;CEu"'C% kV>oA;9l(~oy\+7: kir@'$,VUjo]Uyj&Q4=ijVxgu)_]`Md Notwithstanding the foregoing, the liability of each Guarantor individually with respect to its Guarantors Obligations shall be limited to an aggregate amount equal to the largest amount that would not render its obligations hereunder subject to avoidance under Section 548 of the United States Bankruptcy Code or any comparable provisions of any applicable state law. To make a claim, please click on the make a claim button on the website. and is best suited to long term investors with a relatively high appetite for risk. If youre looking for a higher interest rate, you may consider a fixed-indexed annuity. What are the requirements to open an Equity Income Fund account? AXA Mansard Insurance plc is rated B+ by A.M. Best (2016) for Financial Strength. corporate name 'Guaranty Trust Assurance'. Does the AXA Mansard Equity Income Fund pay dividends? It also includes a paid-up death benefit guarantee that ensures the policy will remain in force regardless of investment performance. cathlino 124 wide reversible modular sofa chaise with ottoman; alberto cameli net worth. 100 North 15 Avenue, Suite 261. With whole life insurance, the savings component (cash value) grows at a fixed rate over time, and you can use it to help cover expenses in retirement. The Fund assets are denominated in Naira, as such, capital inflows by foreign investors who subscribe to the Fund shall be converted to Naira at the exchange rate as advised by the Fund Managers Bankers. All clients have been issued unique Rand Merchant Bank (RMB) NUBAN account numbers for each fund they are invested in with us. The interest rate on most high-yield savings accounts is can be subject to change as there is no locking-in period or fixed term, as with a CD. The penalties will vary depending on the institution and the specific GIA product. No, there are no penalties for withdrawing your funds from your account. Guaranteed Distributions shall not include, nor shall coverage be provided under this Policy in respect of, any taxes, withholding or other charge imposed by any governmental authority due in connection with the payment of any Guaranteed Distribution to a Holder, any Relief Act Interest Shortfalls, any Prepayment Interest Shortfalls or any Net WAC Rate Carryover Amounts that may be incurred on or that may be payable to the Certificates; provided, further, however, that in no case shall Financial Security be required to pay hereunder any unscheduled principal related to Realized Losses allocated to the Certificates under this Policy until the Parity Date. Equitable Life's GIAs offer security of principal with a guaranteed rate of return. Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Womens Health Magazine. Variable annuities are long-term financial products designed for retirement purposes. You are advised to view the Equity Income Fund as a long term investment as it is very volatile but tends to outperform the money market fund in the long term. If youre concerned about safety, you may consider investing in a government-backed plan. Annuity and Insurance Agency1050 Crown Pointe ParkwayAtlanta, GA 30338, AnnuitiesLife InsuranceTravel InsuranceLong Term Care InsuranceShop InsuranceGet a Free QuoteContact Us, About usPrivacy PolicyHow We WorkIn The PressCustomer Reviews. HR]o0|D[4.5z-$>doHsHdrO&N}`9R((sa>ydy'W\\k)+nE8,Y"@0Vapbvfw8jodL^> Note that the interest rate credited to the contract is based on the underlying indexs performance and may not increase over time. w>Ft;k}a~jJ:q':5,Ag |YO~g|88I*khzgP=IUzp(hoz=+Z6.5wVxC~8V71BbSstbBSZ+Cyw3c-ig7 savings account that offers guaranteed interest rates, Treasury inflation-protected securities (TIPS), the account holder to receive a higher interest rate if market. Main Office: 602-364-3863. Equitable Life call (800) 777-6510. Transfers out of the Guaranteed Interest Option will be limited (see prospectus for details). The main risk of guaranteed return plans is that your money is locked into the investment for a set period of time. % Withdrawals from the DIA, GDA and TDA subject to legislative or contractual restrictions. We will not limit or terminate allocations to the Guaranteed Interest Option unless so provided in the Data Pages. Our GIAs provide security of principal with a guaranteed rate of return. You will need to complete a subscription form. @34B#B:^4`Z% 2 Yes, in addition to the basic requirements, we require an authenticated proof of address. Guaranteed interest investments can be a great way to invest your money over the short to mid-term. They are considered a low-risk investment option as they are typically backed by the full faith and credit of the insurance company issuing the annuity. These are annually compounded interest accounts with terms from 1 to 10 years, which you can invest in a GDA for as little as $500. The yearly guaranteed interest rate will never be less than the minimum interest rate. The Sum Assured at Maturity under his Policy is Rs. What do I need to do? 1lJKaVqM8/!M-]skv])b AlRA5N X>7OL:>ijM Rz} @sz+_Wh'LW A)&L_NLpV>Ip) ,GiXkvTvTtq-p If there is insufficient value or no value in the Variable Investment Options and the Guaranteed Interest Option, any remaining portion of the charge or the total amount of the charge, as applicable, will be deducted from the Account for Special [Money Market] Dollar Cost Averaging. #[M*QT*0D&#;N^JfdBN'Wo\{>Lv6TiHV ? Fixed Account Guaranteed Interest Option Fixed Income AXA Fixed Account N/A Money Market EQ/Money Market Money Market Vanguard Federal Money Market VMFXX Bond 1290 VT DoubleLine Opportunistic Bond Intermediate Core-Plus Bond Western Asset Core Plus Bond WAPSX 1290 VT High Yield Bond High Yield Bond Lord Abbett High Yield R6 LHYVX . endstream endobj 90 0 obj <>stream Are there any penalties for withdrawing from my account? I cant log into my AXA Mansard Investments account; what do I do? Deferred annuities are yet another annuity contract offered by insurance companies. Your money may not reflect in your account for a few different reasons: (1) Incorrect client number (2) Inaccurate and/or incomplete bank narration etc. Guaranteed interest accounts work by allowing depositors to earn a fixed interest rate on their deposits over a certain period. Note: Not available if you elect the Asset Rebalancing Service. Guaranteed Liabilities means: (a) the Companys prompt payment in full, when due or declared due and at all such times, of all Obligations and all other amounts pursuant to the terms of the Credit Agreement, the Notes, and all other Loan Documents heretofore, now or at any time or times hereafter owing, arising, due or payable from the Company to any one or more of the Secured Parties, including principal, interest, premiums and fees (including, but not limited to, loan fees and reasonable fees, charges and disbursements of counsel (Attorney Costs)); and (b) each Loan Partys prompt, full and faithful performance, observance and discharge of each and every agreement, undertaking, covenant and provision to be performed, observed or discharged by such Loan Party under the Credit Agreement, the Notes and all other Loan Documents. Jeff Rose, CFP is a Certified Financial Planner, founder of Good Financial Cents, and author of the personal finance book Soldier of Finance. Please refer to our Legal and Privacy Page for the conditions applicable when using this Site. A high-yield savings account may be a good option if you want a safe investment with a guaranteed return. Guaranteed Interest Accounts guarantee the return of principal plus compound interest earned over a defined term - 3, 5 or 10 years - provided all contributions remain in the account until the end of the guarantee period. Some institutions have a minimum balance requirement; If the balance falls below, the rate may decrease, or the account may be closed. Because the return is guaranteed, GIA interest rates are typically lower than other investment options, such as stocks, mutual funds, or exchange-traded funds (ETFs). Individual Insurance Prestige Advisor Program, Guaranteed Interest Account Contract (2021/07/06), Guaranteed Interest Accounts Reg/Non Reg Application (2022/03/02), Guaranteed Interest Accounts, Tax-Free Savings Account Application (2020/06/30), Guaranteed Interest Account - Product at a Glance, Guaranteed Interest Account Client Brochure, Highly competitive interest rates (compound or simple interest). All investment contributions made before 2pm on business days will reflect on your dashboard by the evening of the same day. Forgot your username or password? So if youre looking for a guaranteed return on your investment, be sure to ask about the guarantee before investing any money. These investments offer a fixed rate of return and can provide you with a stream of income in retirement. Here are 8 of the best guaranteed interest investments available today. For this reason, they are often best suited for long-term investment goals. Most banks and credit unions offer guaranteed interest accounts. A CD is a savings account offered by a bank or credit union. What is the procedure for Foreign Investors to invest in the Money Market Fund? If you experience fraud or suspect a compromise to your AXA Mansard account, kindly send an email to clientservices@axamansard.com. The Fund assets are denominated in Naira and, as such, capital inflows by foreign investors who subscribe to the Fund shall be converted to Naira at the exchange rate as advised by the Fund Managers Bankers. axa guaranteed interest account. enable clients to invest in the markets while offering protection in the event of a downturn. Most comprehensive library of legal defined terms on your mobile device, All contents of the lawinsider.com excluding publicly sourced documents are Copyright 2013-, PURCHASE CONTRACTCONTINUATIONPURCHASE CONTRACT. 1. Pay bills, invest in multiple portfolios, and liquidate funds They are among the best low-risk investments and offer a guaranteed rate of return with the added benefit of protection against inflation. The Best Safe Investments With High Returns, How To Invest In Stocks For Retirement Safely, How To Avoid Paying Taxes on An Inheritance, How To Keep Up With Inflation in Retirement, Converting Retirement Plans Into Income Efficiently, Paying Healthcare and Long-Term Care Costs. We can defer payment or transfer of any portion of the Annuity Account Value in the Guaranteed Interest Option for up to six months while you are living, subject to any required written approval from the Insurance Supervisory Official in your jurisdiction. Your funds can be liquidated at any time. underlying assets include treasury bills, fixed deposits, and commercial paper with high credit rating. axa guaranteed interest account . H\0B`4E/488"o_4/,|:c+vMcc)s I affirm that I am aware and take cognizance of my rights under the relevant Data Protection Laws in Nigeria and other terms detailed in the Data Protection and Privacy Policy of AXA Mansard available on. endstream endobj 83 0 obj <>>> endobj 84 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 85 0 obj <> endobj 86 0 obj <> endobj 87 0 obj <> endobj 88 0 obj <> endobj 89 0 obj <>stream
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