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201205040 <br />oA a - z <br />Sarah ayn ate <br />Seal <br />HCFG-00603 <br />FHA ARM Rider-One Year Treasury Constant Maturities Index <br />VMP® <br />Wolters Kluwer Financial Services 201206164.1.1.2336J20120129Y <br />11/11 <br />Page 3 of 3 <br />