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Expected Rates (rate may differ)

• Jan: 5% a month
• Feb: 4.5% a month
• Mar: 4.5% a month
• Apr: 4.5% a month
• May: 4.5% a month
• Jun: 5% a month
• Jul: 5.5% a month
• Aug: 5.5%  a month
• Sep: 4.5% a month
• Oct:  5% a month
• Nov: 5% – a month
• Dec: 5% – a month