{"component": "clause", "props": {"groups": [{"snippet": "Overtime worked on a Saturday or Sunday will be paid for at the rate of double Ordinary Rates. Employees required to work on a Saturday or Sunday will be afforded a minimum 4 hours work, or be paid as if for 4 hours at the aforementioned overtime rates.", "samples": [{"hash": "Cerm8xUo6c", "uri": "/contracts/Cerm8xUo6c#minimum-payment", "label": "Subcontractors Painting & Decorating Enterprise Agreement", "score": 36.489402771, "published": true}, {"hash": "4loDGlqIF1a", "uri": "/contracts/4loDGlqIF1a#minimum-payment", "label": "Subcontractors Carpentry & Joinery Enterprise Agreement", "score": 36.462020874, "published": true}, {"hash": "5ewGaLFaI4X", "uri": "/contracts/5ewGaLFaI4X#minimum-payment", "label": "Subcontractors Traffic Control Enterprise Agreement", "score": 36.448387146, "published": true}], "size": 290, "snippet_links": [{"key": "overtime-worked-on", "type": "clause", "offset": [0, 18]}, {"key": "saturday-or-sunday", "type": "clause", "offset": [21, 39]}, {"key": "rate-of", "type": "clause", "offset": [64, 71]}, {"key": "ordinary-rates", "type": "definition", "offset": [79, 93]}, {"key": "work-on-a-saturday", "type": "clause", "offset": [117, 135]}, {"key": "overtime-rates", "type": "definition", "offset": [238, 252]}], "hash": "cfb0e028f29779fc1b01f190018dc21e", "id": 1}, {"snippet": "You must pay at least the Minimum Payment shown on your statement on or before each Payment Due Date. 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The method of determining this amount is set forth in Section 2.d of Part B below for a Line of Credit and Section 12.b of Part C below for a Credit Card.", "samples": [{"hash": "aG6ZQMViSb5", "uri": "/contracts/aG6ZQMViSb5#minimum-payment", "label": "Credit and Security Agreement", "score": 26.2041721344, "published": true}, {"hash": "8qGxEPkhrJH", "uri": "/contracts/8qGxEPkhrJH#minimum-payment", "label": "Credit and Security Agreement", "score": 26.2016868591, "published": true}, {"hash": "hZl2E57P3qK", "uri": "/contracts/hZl2E57P3qK#minimum-payment", "label": "Credit and Security Agreement", "score": 26.1594352722, "published": true}], "size": 31, "snippet_links": [{"key": "you-agree", "type": "clause", "offset": [0, 9]}, {"key": "due-date", "type": "definition", "offset": [33, 41]}, {"key": "periodic-statement", "type": "definition", "offset": [60, 78]}, {"key": "this-agreement", "type": "clause", "offset": [145, 159]}, {"key": "method-of", "type": "clause", "offset": [208, 217]}, {"key": "part-b", "type": "clause", "offset": [273, 279]}, {"key": "line-of-credit", "type": "definition", "offset": [292, 306]}, {"key": "c-below", "type": "clause", "offset": [332, 339]}, {"key": "credit-card", "type": "clause", "offset": [346, 357]}], "hash": "16eef7571168edd107aa2be82526a5b6", "id": 6}, {"snippet": "The first payment must be at least equal to the minimum payment amount according to Our rules then in effect. If at any time, payments become less than the minimum payment amount, We have the right to change the payment frequency to meet the minimum payment requirements. If any payment amount is less than the minimum annual payment amount, We may make an alternative arrangement with You. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant. There is no Death Benefit payable to the Beneficiary under this Option. SECOND OPTION - Life Annuity With a Cash Refund - An annuity payable during the lifetime of the Annuitant. At the death of the Annuitant, any remaining value will be paid to the Beneficiary. The remaining value equals the Contract Value, less Premium Tax, minus the sum of all annuity payments made. This option is only available for fixed dollar annuity payments. VA03-14/15 Page 15 PRINTED IN U.S.A. B660R0.FRM SETTLEMENT PROVISIONS (CONTINUED) THIRD OPTION - Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and for as long as the Annuitant is living. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. Payments will cease with the last payment prior to the death of the survivor. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain - An annuity payable for a specified number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this annuity option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. If at the death of the survivor, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, We will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SIXTH OPTION - Payment for a Period Certain - An annuity payable for a specified number of years. If at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary. The Beneficiary may elect to receive the present value of the remaining payments in one sum. To calculate the present value for fixed dollar annuity payments We will use an interest rate We determine at Our discretion. To calculate the present value of variable annuity payments, we will use the AIR elected by the Contract Owner when this annuity option was selected and the Annuity Unit value on the date of receipt of Due Proof of Death. SEVENTH OPTION - Annuity Proceeds Settlement Option - Proceeds from the Death Benefit can be left with Us for a period not to exceed five years from the date of the Contract Owner's or the Annuitant's death prior to the Annuity Commencement Date. The proceeds will remain in the Sub-Account(s) to which they were allocated at the time of death unless the Beneficiary elects to reallocate them. Full or partial withdrawals may be made at any time. In the event of withdrawals, the remaining value will equal the Contract Value of the proceeds left with Us, minus any withdrawals. ANNUITY TABLES DESCRIPTION OF TABLES The attached tables show the actual first monthly payment for each $1,000 applied to variable annuity payments. Under the First, Second and Third Options, the amount of each payment will depend upon the age and gender of the Annuitant at the time the first payment is due. Under the Fourth and Fifth Options, the amount of the first payment will depend upon the gender of both Annuitants and their ages at the time the first payment is due. Gender will not be used to determine the amount of the annuity payable if this contract is issued to qualify under certain sections of the Internal Revenue Code. If gender is used to determine the amount of annuity payable, the annuity tables at the end of this contract will provide rates of payment for male Annuitants and female Annuitants. VA03-16/17 Page 16 PRINTED IN U.S.A. B661R0.FRM SETTLEMENT PROVISIONS (CONTINUED) The variable payment annuity tables for the First through Fifth Options are based on the [1983a Individual Annuity Mortality Table projected to the year 2000 using Projection Scale G and the Assumed Investment Return]. The table for the Sixth Option is based on an Assumed Investment Return. The annuity tables for the First through Fifth variable annuity Options are age dependent. For annuity payments beginning after 2000, the amount of the first payment will be based on an age a specified number of years younger than the annuitant's then-attained age. The age setback is as follows: ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED The second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD3 Page 18 PRINTED IN U.S.A. B663R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [3%] ASSUMED INVESTMENT RETURN (CONTINUED) FIFTH OPTION - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEAR PERIOD CERTAIN SIXTH OPTION - PAYMENTS FOR A PERIOD CERTAIN VA03SXD3 Page 19 PRINTED IN U.S.A. B664R0.FRM ANNUITY TABLES FOR VARIABLE PAYMENTS, BASED ON A [5%] ASSUMED INVESTMENT RETURN AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED Second and subsequent annuity payments under a variable annuity are based on the investment experience of a Separate Account and are not guaranteed as to fixed dollar amount. Payments for any available Annuity Payment Frequency, Period Certain, age, or combination of ages not shown will be quoted upon request. FIRST AND THIRD OPTIONS - SINGLE LIFE ANNUITIES FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY VA03SXD5 Page 20 PRINTED IN U.S.A. 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If we request, you and the company also agree to pay us any overlimit and overdue amounts immediately. If you do not receive a statement in any month, for example as a result of postal delay or interruption, you must contact us to check what minimum payment is due and the due date. The method for determining the minimum payment is set out in the information box. You can always pay us (i) more than the minimum payment, (ii) before the payment due date, (iii) more often than once a month, or (iv) the outstanding balance at any time. If your primary address changes to or from Quebec, the applicable minimum due calculation will take effect on your next statement. Please note that a credit to your account, for example as a result of return of goods to a merchant or a service fee credit, does not constitute a payment to your account and does not satisfy the requirement to pay the minimum payment due.", "samples": [{"hash": "iAu0iZA0OkI", "uri": "/contracts/iAu0iZA0OkI#minimum-payment", "label": "Cardmember Agreement", "score": 34.8004493713, "published": true}, {"hash": "88Mt72BZVKc", "uri": "/contracts/88Mt72BZVKc#minimum-payment", "label": "Cardmember Agreement", "score": 33.4331245422, "published": true}, {"hash": "gX1OP4dQUpU", "uri": "/contracts/gX1OP4dQUpU#minimum-payment", "label": "Cardmember Agreement", "score": 33.2606697083, "published": true}], "size": 19, "snippet_links": [{"key": "and-the-company", "type": "clause", "offset": [4, 19]}, {"key": "agree-to", "type": "clause", "offset": [20, 28]}, {"key": "pay-us", "type": "clause", "offset": [29, 35]}, {"key": "requested-by", "type": "definition", "offset": [65, 77]}, {"key": "payment-due-date", "type": "clause", "offset": [82, 98]}, {"key": "the-company-also", "type": "definition", "offset": [144, 160]}, {"key": "overdue-amounts", "type": "definition", "offset": [195, 210]}, {"key": "for-example", "type": "definition", "offset": [272, 283]}, {"key": "you-must-contact-us", "type": "clause", "offset": [329, 348]}, {"key": "payment-is-due", "type": "clause", "offset": [371, 385]}, {"key": "the-method", "type": "definition", "offset": [404, 414]}, {"key": "set-out", "type": "definition", "offset": [454, 461]}, {"key": "the-information", "type": "clause", "offset": [465, 480]}, {"key": "once-a-month", "type": "clause", "offset": [599, 611]}, {"key": "outstanding-balance", "type": "definition", "offset": [625, 644]}, {"key": "at-any-time", "type": "clause", "offset": [645, 656]}, {"key": "changes-to", "type": "clause", "offset": [682, 692]}, {"key": "minimum-due", "type": "clause", "offset": [724, 735]}, {"key": "please-note-that", "type": "clause", "offset": [789, 805]}, {"key": "credit-to-your-account", "type": "clause", "offset": [808, 830]}, {"key": "return-of-goods", "type": "clause", "offset": [859, 874]}, {"key": "service-fee-credit", "type": "definition", "offset": [894, 912]}, {"key": "payment-to", "type": "clause", "offset": [936, 946]}, {"key": "requirement-to-pay", "type": "clause", "offset": [985, 1003]}, {"key": "minimum-payment-due", "type": "definition", "offset": [1008, 1027]}], "hash": "9401931114efaa9912feb18f1b44e7e1", "id": 10}, {"snippet": "You agree to pay us at least the minimum payment requested by the payment due date shown on a statement. If we request, you also agree to pay us any overlimit and overdue amounts immediately. If you do not receive a statement in any month, for example as a result of postal delay or interruption, you must contact us to check what minimum payment is due and the due date. The method for determining the minimum payment is set out in the information box. You can always pay us (i) more than the minimum payment, (ii) before the payment due date, (iii) more often than once a month, or (iv) the outstanding balance at any time. If your primary address changes to or from Quebec, the applicable minimum due calculation will take effect on your next statement. Please note that a credit to your account, for example as a result of return of goods to a merchant or a service fee credit, does not constitute a payment to your account and does not satisfy the requirement to pay the minimum payment due.", "samples": [{"hash": "j25VllapuCQ", "uri": "/contracts/j25VllapuCQ#minimum-payment", "label": "Cardmember Agreement", "score": 35.2315750122, "published": true}, {"hash": "13PnY30skqU", "uri": "/contracts/13PnY30skqU#minimum-payment", "label": "Cardmember Agreement", "score": 35.2315750122, "published": true}, {"hash": "gv5vR7OpM8s", "uri": "/contracts/gv5vR7OpM8s#minimum-payment", "label": "Cardmember Agreement", "score": 33.6575889587, "published": true}], "size": 40, "snippet_links": [{"key": "you-agree-to-pay-us", "type": "clause", "offset": [0, 19]}, {"key": "requested-by", "type": "definition", "offset": [49, 61]}, {"key": "payment-due-date", "type": "clause", "offset": [66, 82]}, {"key": "overdue-amounts", "type": "definition", "offset": [163, 178]}, {"key": "for-example", "type": "definition", "offset": [240, 251]}, {"key": "you-must-contact-us", "type": "clause", "offset": [297, 316]}, {"key": "payment-is-due", "type": "clause", "offset": [339, 353]}, {"key": "the-method", "type": "definition", "offset": [372, 382]}, {"key": "set-out", "type": "definition", "offset": [422, 429]}, {"key": "the-information", "type": "clause", "offset": [433, 448]}, {"key": "once-a-month", "type": "clause", "offset": [567, 579]}, {"key": "outstanding-balance", "type": "definition", "offset": [593, 612]}, {"key": "at-any-time", "type": "clause", "offset": [613, 624]}, {"key": "changes-to", "type": "clause", "offset": [650, 660]}, {"key": "minimum-due", "type": "clause", "offset": [692, 703]}, {"key": "please-note-that", "type": "clause", "offset": [757, 773]}, {"key": "credit-to-your-account", "type": "clause", "offset": [776, 798]}, {"key": "return-of-goods", "type": "clause", "offset": [827, 842]}, {"key": "service-fee-credit", "type": "definition", "offset": [862, 880]}, {"key": "payment-to", "type": "clause", "offset": [904, 914]}, {"key": "requirement-to-pay", "type": "clause", "offset": [953, 971]}, {"key": "minimum-payment-due", "type": "definition", "offset": [976, 995]}], "hash": "a8fe26a4fa89f1c7f9c3cac33370bc4f", "id": 3}, {"snippet": "You agree to pay us at least the minimum payment (also referred to as the minimum amount due) requested by the payment due date shown on a statement. If you do not receive a statement in any month, for example as a result of postal delay or interruption, you must contact us to check what minimum payment is due and the due date. The method for determining the minimum payment is set out in the information box. You can always pay us (i) more than the minimum payment, (ii) before the payment due date, (iii) more often than once a month, or (iv) the outstanding balance at any time. If your primary address changes to or from Quebec, the applicable minimum due calculation will take effect on your next statement.", "samples": [{"hash": "dhdtzEIlyJ9", "uri": "/contracts/dhdtzEIlyJ9#minimum-payment", "label": "Cardmember Agreement", "score": 35.2698974609, "published": true}, {"hash": "jmAJAmAHFgZ", "uri": "/contracts/jmAJAmAHFgZ#minimum-payment", "label": "Cardmember Agreement", "score": 34.8331489563, "published": true}, {"hash": "1nzuudIdtk1", "uri": "/contracts/1nzuudIdtk1#minimum-payment", "label": "Cardmember Agreement", "score": 34.3628540039, "published": true}], "size": 24, "snippet_links": [{"key": "you-agree-to-pay-us", "type": "clause", "offset": [0, 19]}, {"key": "minimum-amount-due", "type": "definition", "offset": [74, 92]}, {"key": "requested-by", "type": "definition", "offset": [94, 106]}, {"key": "payment-due-date", "type": "clause", "offset": [111, 127]}, {"key": "for-example", "type": "definition", "offset": [198, 209]}, {"key": "you-must-contact-us", "type": "clause", "offset": [255, 274]}, {"key": "payment-is-due", "type": "clause", "offset": [297, 311]}, {"key": "the-method", "type": "definition", "offset": [330, 340]}, {"key": "set-out", "type": "definition", "offset": [380, 387]}, {"key": "the-information", "type": "clause", "offset": [391, 406]}, {"key": "once-a-month", "type": "clause", "offset": [525, 537]}, {"key": "outstanding-balance", "type": "definition", "offset": [551, 570]}, {"key": "at-any-time", "type": "clause", "offset": [571, 582]}, {"key": "changes-to", "type": "clause", "offset": [608, 618]}, {"key": "minimum-due", "type": "clause", "offset": [650, 661]}], "hash": "03b36362eb4d9bbbfcce926bee7f0f21", "id": 8}, {"snippet": "If you have an outstanding balance, we must receive your minimum payment as set forth in section 2 \"Making Payments\" below. The minimum payment will be the greater of:\n(i) $35, or\n(ii) One percent (1%) of the New Balance plus:\n(a) The periodic interest charges for the Billing Cycle; plus\n(b) The full amount of any transaction fees (such as Cash Advance, Balance Transfer and Foreign Transaction Fees) owed for the Billing Cycle; plus\n(c) The full amount of any Annual Membership Fee, Late Payment or Returned Payment Fee or other applicable fees owed. In addition, any past due minimum payment amounts will be added to your current minimum payment due. If your New Balance is less than $35, your minimum payment will equal your New Balance. Credits, Payment Plus credits (if you have a Payment Plus Account), adjustments, refunds, prepayments and similar Account transactions may not be used in place of payment of any portion of a required minimum payment. You may pay more than the minimum payment due (this is a prepayment) without any penalty. The sooner you pay the New Balance, the less you will pay in interest charges. 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