AGENT RESOURCES

Safe Haven Rates

Effective 9/12/2022

  All Other FL
5 Year (Rate) Year 1: 5.45%
Year 2+: 4.45%
Effective** Compound Level Rate: 4.65%
Year 1: 5.35%
Year 2+: 4.35%
Effective** Compound Level Rate: 4.55%
6 Year (Rate) Year 1: 5.50%
Year 2+: 4.50%
Effective** Compound Level Rate: 4.67%
Year 1: 5.40%
Year 2+: 4.40%
Effective** Compound Level Rate: 4.57%
7 Year (Rate) Year 1: 5.55%
Year 2+: 4.55%
Effective** Compound Level Rate: 4.69%
Year 1: 5.45%
Year 2+: 4.45%
Effective** Compound Level Rate: 4.59%
10 Year (Rate) Year 1: 5.65%
Year 2+: 4.65%
Effective** Compound Level Rate: 4.75%
Year 1: 5.55%
Year 2+: 4.55%
Effective** Compound Level Rate: 4.65%
20 Year (Rate) Years 1-5: 4.00%
Year 6-10: 4.50%
Year 11-15: 5.00%
Year 16-20: 5.50%
Effective** Compound Level Rate: 4.75%
Year 1: 3.90%
Year 6-10: 4.40%
Year 11-15: 4.90%
Year 16-20: 5.40%
Effective** Compound Level Rate: 4.65%
Optional Riders Preferred 10% Free Withdrawal - 0.15% interest reduction Death Benefit Feature - 0.25% interest reduction Accumulated Interest Withdrawal - 0.05% interest reduction

*Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner’s issue age 86-90 for the five, six, seven, and ten year guarantee period and owner’s issue age 70-75 for the twenty year guarantee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida. **Rounded to second decimal place Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states.

Safe Harbor Rates

Effective 9/12/2022

  All Other FL
5 Year (Rate) Year 1: 5.90%
Year 2+: 4.90%
Effective** Compound Level Rate: 4.65%
Year 1: 5.80%
Year 2+: 4.80%
Effective** Compound Level Rate: 4.56%
6 Year (Rate) Year 1: 6.10%
Year 2+: 5.10%
Effective** Compound Level Rate: 4.68%
Year 1: 6.00%
Year 2+: 5.00%
Effective** Compound Level Rate: 4.60%
7 Year (Rate) Year 1: 6.30%
Year 2+: 5.30%
Effective** Compound Level Rate: 4.72%
Year 1: 6.15%
Year 2+: 5.15%
Effective** Compound Level Rate: 4.61%
10 Year (Rate) Year 1: 6.80%
Year 2+: 5.80%
Effective** Compound Level Rate: 4.75%
Year 1: 6.65%
Year 2+: 5.65%
Effective** Compound Level Rate: 4.65%
20 Year (Rate) Years 1-5: 5.65%
Year 6-10: 6.65%
Year 11-15: 8.65%
Year 16-20: 9.65%
Effective** Compound Level Rate: 4.75%
Year 1: 5.40%
Year 6-10: 6.40%
Year 11-15: 8.40%
Year 16-20: 9.40%
Effective** Compound Level Rate: 4.65%
Optional Riders Death Benefit Feature - 0.25% interest reduction

*Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner’s issue age 86-90 for the five, six, seven, and ten year guarantee period and owner’s issue age 70-75 for the twenty year guarantee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida. **Rounded to second decimal place Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states.

Safe Anchor Rates

Effective 02/22/2021

1st Year Rate All Other: 2.70% FL: 2.60%
Current Rate Guarantee 5 Yrs
Index/Benchmark S&P 500®
Participation Rate 100%
Caps Annual Point-to-Point: 4.10%
Monthly Averaging: 4.20%
Monthly Sum: 1.75%
Optional Riders and Cost Required Minimum Distribution - 0.16% fee
Preferred 10% Free Withdrawal - 0.15% fee
Death Benefit Feature - 0.25% fee*
Accumulated Interest Withdrawal - 0.05% fee

*Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner’s issue age 86-90 for the five, six, seven, and ten year guarantee period and owner’s issue age 70-75 for the twenty year guarantee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida. Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states.

Guaranteed Income Annuity Rates

Effective 06/08/2020

  10 Year Contract
Premium Bonus
GLWB Rider: 8.00%
Legacy Rider: 10.00% for issue ages under 71
5.00% for issue ages 71-80
3.00% for issue ages 81-85
Accum Rider: 10.00% for issue ages under 71
8.00% for issue ages 71-80
6.00% for issue ages 81-85
1st Year Rate 1.00% (with subsequent purchase premium)
Current Rate Guarantee 2 Yrs
Index/Benchmark LIBOR
Participation Rate 65%
Optional Riders and Cost
GLWB: 1.25% fee years 1-5,
1.60% fee years 6-10
(10 year contract)
Legacy Benefit Rider: 1.25% years 1-5
1.60% fee years 6-10
(10 year contract)
Accumulation Rider: No fee

*Death Benefit Feature is required in Florida and is priced into Florida rates. All Florida contracts are issued with the Death Benefit Feature. Owner’s issue age 86-90 for the five, six, seven, and ten year guarantee period and owner’s issue age 70-75 for the twenty year guarantee period are required to purchase Death Benefit Feature. Special introductory cap in the state of Florida. Interest rates are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states.

Retirement Plus Multiplier® Annuity Rates

Effective 11/21/2022

Fixed Rate
1st Year Rate 4.50%
Current Rate Guarantee 1 Yr
Goldman Sachs Aging of America Dynamic Balance Index
Index Crediting Strategy No Rider Growth Rider Income Multiplier
1-year with point-to-point participation rate 140% 190% 140%
2-year with point-to-point participation rate 200% 250% 200%
3-year with point-to-point participation rate 250% 350% 250%
S&P 500®
Index Crediting Strategy No Rider Growth Rider Income Multiplier
1-year with point-to-point participation rate 42% 55% 42%
1-year with point-to-point cap rate 8.75% 12% 8.75%
Two-year with point-to-point participation rate 57% 75% 57%
Rider Fees
Surrender Periods 5 Year 7 Year 10 Year
Growth Rider 1.25% 1.25% 1.25%
Income Multiplier 0.95% 0.95% 0.95%

The Goldman Sachs Aging of America Dynamic Balance Index (the “Index”) is a Goldman Sachs owned index. This fixed indexed annuity is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. LLC or any of its affiliates with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”). Goldman Sachs makes no representation or warranty, express or implied, regarding the suitability of annuities for your financial situation generally, or fixed indexed annuities or the investment strategy underlying this fixed indexed annuity particularly, the ability of the Goldman Sachs Aging of America Dynamic Balance Index to perform as intended, the merit (if any) of obtaining exposure to the Goldman Sachs Aging of America Dynamic Balance Index or the suitability of purchasing or holding interests in this fixed indexed annuity. Goldman Sachs does not have any obligation to take the needs of the holders of this fixed indexed annuity into consideration in determining, composing or calculating the Goldman Sachs Aging of America Dynamic Balance Index. GOLDMAN SACHS DOES NOT GUARANTEE THE ACCURACY AND/OR COMPLETENESS OF THE GOLDMAN SACHS AGING OF AMERICA DYNAMIC BALANCE INDEX OR OF THE METHODOLOGY UNDERLYING THE INDEX, THE CALCULATION OF THE INDEX OR ANY DATA SUPPLIED BY IT FOR USE IN CONNECTION WITH THIS FIXED INDEXED ANNUITY. GOLDMAN SACHS EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT OR CONSEQUENTIAL DAMAGE EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The “S&P 500®” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Atlantic Coast Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Atlantic Coast Life Insurance Company. Retirement Plus Multiplier® is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500®.

 

Income Navigator Rates

Effective 05/17/2021

Premium Bonus Base Contract - 7.00%
With Income Rider - 5.00%
Interest Rate Guarantees
1st Year Rate 1.50%
Current Rate Guarantee 1 Yr
Indexing
Index/Benchmark S&P 500®
Participation Rates 100%
Caps Annual Point-to-Point Cap: 2.50%
Monthly Averaging Cap: 2.50%
Daily Averaging Cap: 2.50%
Monthly Sum Cap: 1.30%
Riders
Optional Riders and Cost Income Rider - 1.50%

Interest rates as of 05/17/2021 and are subject to change without notice. Quoted rates may vary due to state regulations and taxes. Not all annuities and optional riders are available in all states. Income Navigator has a 10-year surrender schedule. Premium bonuses are subject to a vesting schedule. Inclusion of the income rider subject to age restriction.

Accumulation Protector PlusSM Annuity Rates

Effective 9/13/2022

Premium Bonus
Base Contract 5.00%
With Rate Enhancement Rider 5.00%
Interest Rate Guarantees
  No Rider Rate Enhancement Rider
1st Year Fixed Rate 4.00% 4.95%
Current Rate Guarantee 1 Year 1 Year
Other Guarantees

***The Participation Rates for the Credit Suisse Momentum Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the Credit Suisse Momentum Index.

****The Participation Rates for the Credit Suisse ESG Macro 5 Index One-year point-to-point and Two-year point-to-point crediting strategies are guaranteed for 10 years from the annuity issue date, provided that Atlantic Coast Life Insurance Company continues to have access to the Credit Suisse ESG Macro 5 Index.

Indexing
  No Rider Rate Enhancement Rider
Credit Suisse Momentum Index 1 Year Point-to-Point with Participation Rate*** 182.50% 222%
Credit Suisse Momentum Index 2 Year Point-to-Point with Participation Rate*** 270% 326%
Credit Suisse Momentum Index 3 Year Point-to-Point with Participation Rate 365% 455%
Credit Suisse ESG Macro 5 Index 1 Year Point-to-Point with Participation Rate**** 182.50% 222%
Credit Suisse ESG Macro 5 Index 2 Year Point-to-Point with Participation Rate**** 270% 326%
Credit Suisse ESG Macro 5 Index 3 Year Point-to-Point with Participation Rate 365% 455%
S&P 500® 1 Year Point-to-Point with Participation Rate 40% 50%
S&P 500® 2 Year Point-to-Point with Participation Rate 55% 70%
S&P 500® 1 Year Point-to-Point with Cap Rate 7.25% 9.50%
Credit Suisse Momentum Index 1 Year with Trigger Rate 7.25% 9.25%
Riders
Optional Riders and Costs Rate Enhancement Rider: 0.95% fee

Attributions and Disclaimers with Respect to Credit Suisse

The Credit Suisse Momentum Index and the Credit Suisse ESG Macro 5 Index (the “Indices”) and “Credit Suisse” are service marks of Credit Suisse Group AG, Credit Suisse International, or one of their affiliates (collectively, “Credit Suisse”). Credit Suisse has no relationship to the Atlantic Coast Life Insurance Company, other than certain hedging arrangements and the licensing of the Credit Suisse Momentum Index and the Credit Suisse ESG Macro 5 Index and its service marks for use in connection with the Accumulation Protector PlusSM Annuity and is not a party to any transaction contemplated hereby.

The rules of the Credit Suisse Momentum Index and the Credit Suisse ESG Macro 5 Index may be amended by Credit Suisse International (the “Index Creator”). An amendment to the rules may result from, without limitation, a change to the construction or calculation rules for the Indices or from the Index Creator determining that a change to the rules is required or desirable in order to update them or to address an error, omission or ambiguity. No assurance can be given that any such amendment would not affect parties to this document.

The Credit Suisse Momentum Index contains embedded transaction costs and holding costs. The Credit Suisse Momentum Index is an excess return index, which means that it reflects the return of components net of the cost of funding a hypothetical investment in them. The Credit Suisse Momentum Index returns are likely to be negatively affected by such costs of funding. The Credit Suisse Momentum Index has a 0.5% per annum embedded fee deducted on a daily basis. The index fee will place a drag on the performance of the Index, offsetting any appreciation of its portfolio, exacerbating any depreciation of its portfolio and causing the level of the Index to decline steadily if the value of its portfolio remains relatively constant.

The Credit Suisse ESG Macro 5 Index has a 0.5% per annum embedded fee deducted on a daily basis. The Credit Suisse ESG Macro 5 Index also contains embedded transaction costs and holding costs. The Credit Suisse ESG Macro 5 Index is an excess return index, which means that it reflects the return of components net of the cost of funding a hypothetical investment in them. The Credit Suisse ESG Macro 5 Index returns are likely to be negatively affected by such costs of funding. These costs will reduce the performance of the index.

While volatility controls may result in less fluctuation in rates of return as compared to indices without volatility controls, they may also reduce the overall rate of return as compared to products not subject to volatility controls.

The end-of-day value of the Credit Suisse Momentum Index and the Credit Suisse ESG Macro 5 Index are published subject to the provisions in the rules of the Indices. Neither the Index Creator nor any of its affiliates is obliged to publish any information regarding the index other than as stipulated in the rules of these Indices.

The Indices are the exclusive property of and currently sponsored by the Index Creator.

The Accumulation Protector PlusSM Annuity are not in any way sponsored, endorsed or promoted by Credit Suisse. Credit Suisse has no obligation to take the needs of any person into consideration in composing, determining or calculating the Indices (or causing the Indices to be calculated). In addition, Credit Suisse makes no warranty or representation whatsoever, express or implied, as to the results to be obtained from the use of the Indices and/or the level at which either of the Indices stands at any particular time on any particular day or otherwise or the advisability of or results to be obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity, and Credit Suisse shall not be liable, whether in negligence or otherwise, to any person for any errors or omissions in the Indices or in the calculation of the Indices or under any obligation to advise any person of any errors or omissions therein. The Indices may be compiled, maintained and/or calculated by Credit Suisse. However, Credit Suisse shall not be liable for the results obtained by using, investing in, or trading the Accumulation Protector PlusSM Annuity.

Credit Suisse has not created, published or approved this document and accepts no responsibility or liability for its contents or use. Obligations to make payments under the Accumulation Protector PlusSM Annuity are solely the obligation of Atlantic Coast Life Insurance Company.

Tax Disclaimer: Credit Suisse does not provide any tax advice. Any tax statement herein regarding any US federal tax is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding any penalties. Any such statement herein was written to support the marketing or promotion of the transaction(s) or matter(s) to which the statement relates. Each taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. Notwithstanding anything to the contrary herein, each party (and each of their employees, representatives, or other agents) may disclose to any and all persons, without limitation of any kind, the U.S. tax treatment and U.S. tax structure of any transaction that may described or included within the information contained herein relating to such U.S. tax treatment and U.S. tax structure. For this purpose, the tax treatment of a transaction is the purported or claimed U.S. federal income tax treatment of the transaction, and the tax structure of a transaction is any fact that may be relevant to understanding the purported or claimed U.S. federal income tax treatment of any transaction.

The Credit Suisse ESG Macro 5 Index referred to herein is based in part on an MSCI index. MSCI Indices are the exclusive property of MSCI Inc. (“MSCI”). MSCI and the MSCI index names are service mark(s) of MSCI or its affiliates and have been licensed for use for certain purposes by Credit Suisse. The Credit Suisse ESG Macro 5 Index referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to such index. No purchaser, seller or holder of any financial products based on the Credit Suisse ESG Macro 5 Index, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote this financial product without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.

THIS FINANCIAL PRODUCT IS NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI INC. (“MSCI”), ANY AFFILIATE OF MSCI OR ANY OTHER PARTY INVOLVED IN, OR RELATED TO, MAKING OR COMPILING ANY MSCI INDEX (ALL OF THE FOREGOING PARTIES, THE “MSCI PARTIES”). THE MSCI INDICES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMES ARE SERVICE MARK(S) OF MSCI OR ITS AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY CREDIT SUISSE. NONE OF THE MSCI PARTIES MAKE ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO THE HOLDERS OF THIS FINANCIAL PRODUCT OR ANY MEMBER OF THE PUBLIC REGARDING THE ADVISABILITY OF INVESTING IN FINANCIAL PRODUCTS GENERALLY OR IN THIS FINANCIAL PRODUCT PARTICULARLY OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE. MSCI OR ITS AFFILIATES ARE THE LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS AND TRADE NAMES AND OF THE MSCI INDICES WHICH ARE DETERMINED, COMPOSED AND CALCULATED BY MSCI WITHOUT REGARD TO THIS FINANCIAL PRODUCT OR THE ISSUER OR OWNER OF THIS FINANCIAL PRODUCT. NONE OF THE MSCI PARTIES HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUERS OR HOLDERS OF THIS FINANCIAL PRODUCT INTO CONSIDERATION IN DETERMINING, COMPOSING OR CALCULATING THE MSCI INDICES. NONE OF THE MSCI PARTIES IS RESPONSIBLE FOR OR HAS PARTICIPATED IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THIS FINANCIAL PRODUCT TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY WHICH THIS FINANCIAL PRODUCT IS REDEEMABLE FOR CASH. NONE OF THE MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE OWNERS OR HOLDERS OF THIS FINANCIAL PRODUCT IN CONNECTION WITH THE ADMINISTRATION, MARKETING OR OFFERING OF THIS FINANCIAL PRODUCT.

ALTHOUGH MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION OF THE MSCI INDICES FROM SOURCES WHICH MSCI CONSIDERS RELIABLE, NONE OF THE MSCI PARTIES WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY CREDIT SUISSE, CREDIT SUISSE’S CUSTOMERS OR COUNTERPARTIES, ISSUERS OF THE FINANCIAL PRODUCT, OWNERS OF THE FINANCIAL PRODUCT, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN IN CONNECTION WITH THE RIGHTS LICENSED HEREUNDER OR FOR ANY OTHER USE. NONE OF THE MSCI PARTIES SHALL HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. FURTHER, NONE OF THE MSCI PARTIES MAKES ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, AND THE MSCI PARTIES HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO ANY MSCI INDEX AND ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL ANY OF THE MSCI PARTIES HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

There is currently no universal definition or exhaustive list defining the issues or factors that are covered by the concept of “ESG” (Environmental, Social, Governance). If not indicated otherwise, 'ESG' is used interchangeably with the terms 'sustainable' and 'sustainability'. Unless indicated otherwise, the views expressed herein are based on CS' own assumptions and interpretation of ESG at the time of drafting. CS' views on ESG may evolve over time and are subject to change.

Where an index is identified as including elements which track environmental, social or governance (ESG) objectives, CS is, wholly or in part, reliant on third-party sources of information (including, but not limited to, such information produced by the issuing/manufacturing company itself) and external guidance. These sources of information may be limited in terms of accuracy, availability and timeliness. It is possible that the data from ESG data providers may be incorrect, unavailable (e.g. not existing, or absence of look-through), or not fully updated. CS has not sought to independently verify information obtained from public and third-party sources and makes no representations or warranties as to accuracy, completeness or reliability of such information. Additionally, as global laws, guidelines and regulations in relation to the tracking and provision of such data are evolving, all such disclosures are made on a non-reliance basis and are subject to change. Unless required by applicable law, CS is not obliged to provide updates on sustainability assessments. Any updates might be subject to a time lag, due to e.g. lack of available data.

An ESG assessment reflects the opinion of the assessing party (CS or external parties such as rating agencies or other financial institutions). In the absence of a standardized ESG assessment system, each assessing party has its own research and analysis framework/methodology. Therefore, ESG assessment or risk levels given by different assessing parties to the same index can vary. Further, ESG assessment is limited to considering company performance against certain ESG criteria only and does not take into account the other factors needed to assess the value of a company.

Unless this has been explicitly communicated in the product or service documentation, no representation is given as to whether the product or service meets any specific regulatory framework or CS’ own criteria for internal sustainability frameworks.

ATLANTIC COAST LIFE INSURANCE COMPANY IS A MEMBER OF THE A-CAP FAMILY

Copyright © 2021 Atlantic Coast Life Inc. All rights Reserved.
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