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Here is your estimated Patronage Distribution: ESTIMATED PATRONAGE
After receipt of your distribution, patronage effectively lowers your total interest cost for the first year of your loan from $XXXXX to: EFFECTIVE INTEREST EXPENSE
This effectively lowers your interest rate from XXXX to: EFFECTIVE INTEREST RATE
*Results based on 10-year average refund totals. Past performance not a guarantee of future payouts. Calculations do not account for time value of money or distinguish between returns made in cash and in allocated surplus. Talk to a loan officer for details.