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Memorandwm Esboniadol
3. A statement that different annuities have different features and different rates of payment including annuities that provide—E+W+S
(a)the same payments every year,
(b)increasing payments every year,
(c)payments only for the person,
(d)payments for the person's spouse or civil partner,
(e)a guarantee on the early death of the person.