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Effective July 3, North American will implement changes to the Bonus Credit on options two and three of the Income Pay income rider. On option two (Reset Opportunity upon Step-Up), the Bonus Credit will decrease from 7.00% to 6.50%. On option three (Bonus Credit for 10 Years with Option to Extend), the Bonus Credit will decrease from 6.75% to 6.25%. Contact your Sales Consultant for details. 800.992.2642