Structuring a Performax Gold illustration as a 10-pay solution using the Cost for 15 year guaranteed paymentduration with Deposit Option underscores Performax Gold’s built-in stability in the event of declining rates. Even ifrates decline, the payment period for a 10-pay solution will never exceed 10 years.The same cannot be said of some of our competitors’ products. As you can see below, because the shortestguaranteed payment duration offered by the competitors is 20 years, using a 10-pay solution on this structure makes it more sensitive to changes in rates than Performax Gold. Should dividend interest rates decline due to aprolonged period of low interest rates such as the one we are experiencing, the number of annual payments forcompetitive plans could be as high as 20. Your client’s Performax Gold policy, on the other hand, would still require only 10 payments