| Account Value |
The total sum of your Variable Investment Option(s) and/or Fixed Account Option(s) that has not yet
been applied to your annuity payments. |
| Advisory Program |
The investment advice service provided by your Investment Adviser. Guided Portfolio AdvantageSM /
Guided Portfolio Services® are the financial advice services
offered by our affiliate, VALIC Financial Advisors, Inc., a registered investment
adviser and Company subsidiary (VFA). A separate investment advisory fee and
agreement are required for either of these services, if available under an employer’s retirement plan. Alternatively, you may have enrolled in an Advisory Program offered by a third-party
investment adviser who is not affiliated with us. There may also be an advisory fee required by
that adviser. You should ask your investment adviser about any fees charged for
investment advice provided. For new investors, we no longer honor investment adviser transfer requests in connection
with Advisory Programs that are offered through third-party Investment
Advisers. |
| Contract |
The group fixed and variable deferred annuity contracts summarized in this summary prospectus and
described in more detail in the prospectus. |
| Fixed Account Option |
An account that is guaranteed to earn at least a minimum rate of interest while invested in USL’s
general account. |
| Fixed Account Plus |
A type of Fixed Account Option under the Contract. |
| Investment Adviser |
The investment adviser that you have engaged to provide services as part of an Advisory Program. The
investment adviser may have been engaged through a third party. For new investors, we only
support Advisory Programs that are offered through our affiliate, VALIC Financial
Advisors (“VFA”), Inc., a registered investment adviser and our
subsidiary. There are typically advisory fees associated with an Advisory Program.
Those fees are separate from the Contract’s fees and charges. |
| |
USL is not an investment adviser to any Advisory Program and does not provide any advice under an
Advisory Program. |
| Market Close |
The close of regular trading on the NYSE, generally 4:00 p.m., Eastern Time, on each day the NYSE is
open for business. |
| Platform Charge |
A fee we charge in order to make certain underlying Portfolio Companies available as an investment
option under the Contract. |
| Portfolio Company |
The investment portfolio(s) of a registered open-end management investment company, which serves
as the underlying investment vehicle for each Division represented in USL Separate Account RS.
Also referred to as Mutual Fund or Fund. |
| Purchase Payment |
An amount of money you or your employer pay to USL to receive the benefits of a Contract. |
| Short-Term Fixed Account |
A type of Fixed Account Option under the Contract. |
| USL (we, us, our) |
The United States Life Insurance Company in the City of New York. |
| Variable Investment
Option (or Division) |
Any variable investment option under the Contract. Each Variable Investment Option invests in the
shares of a single Fund. |
| |
FEES AND EXPENSES |
Location in
Prospectus | ||
| Are There Charges for
Early Withdrawals? |
Yes. Your Contract may be subject to surrender charges depending on the
series of Contract: •Series 1, 5, 7, and 9. If you withdraw money under the
Contract within five years of making a Purchase Payment, you
may be assessed a surrender charge of up to 5%, either as a
percentage of the amount withdrawn or as a percentage of
Purchase Payments made during the last five years, whichever
is less. •Series 2, 6, 11, 12, and 14. No surrender charge. For example, if you own a series 1, 5, 7, or 9 Contract and make an
early withdrawal, you could pay a surrender charge of up to
$5,000 on a $100,000 investment and such surrender charge
may be greater if subject to taxes or tax penalties. No
surrender charges would apply to a series 2, 6, 11, or 12
Contract.
In the State of New York, charges for early withdrawals will be calculated
as Last In, First Out for certificates of group Contracts
and First in, First Out for individual
Contracts. |
Fee Table
Charges and
Adjustments –
Surrender Charge | ||
| Are There Transaction
Charges? |
Yes. In addition to surrender charges (if applicable), you may also be
charged for other transactions. •In certain states, you may be subject to a loan application fee and loan
interest if you request a loan under the Contract. •Under a series 11 contract, if you transfer amounts from the Fixed Account
Plus option to another Investment Option under the Contract (or to another
funding entity while you are still employed with the group)
in excess of the annual limit, you may be subject to a
charge of 5% on the excess amount transferred.
•There may also be taxes on Purchase Payments. |
Fee Table
Charges and
Adjustments | ||
| |
FEES AND EXPENSES |
Location in
Prospectus | ||
| Are There Ongoing
Fees and Expenses? |
Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options and optional
benefits you choose. Please refer to your Contract
specifications page for information about the specific fees
you will pay each year based on the options you have elected.
The fees and expenses do not reflect any advisory fees paid to an
investment adviser from the Contract or other Contract owner
assets. If such charges were reflected, the fees and
expenses would be higher. Interest on Contract loans is not
reflected below. |
Charges and
Adjustments | ||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract1
(varies by Contract Class) |
0.60% |
0.61% | ||
| Portfolio Company fees and
expenses2 |
0.20% |
1.18% | ||
| 1 As a percentage of average daily net asset value allocated to a Variable
Investment Option, plus for the Maximum charge, an amount attributable to
the annual investment account option maintenance charge,
which is applicable to series Series 1, 9, and
14. 2 As a percentage of Portfolio Company net assets, plus any applicable
amounts deemed to be Platform Charges. | ||||
| Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning
your Contract, the following table shows the lowest and
highest cost you could pay each year, based on current charges. This estimate assumes
that you do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs. |
||||
| Lowest Annual Cost: $817 |
Highest Annual Cost: $1,824 | |||
| Assumes:
•Investment of $100,000 •5% annual appreciation
•Least expensive combination of Contract Classes and Portfolio Company fees and expenses •No optional benefits
•No sales charge or advisory fee •No loans, additional Purchase
Payments, transfers, or
withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation
•Most expensive combination of Contract Classes, optional benefits, and Portfolio Company fees and expenses •No sales charge or advisory fee
•No loans, additional Purchase Payments, transfers, or withdrawals | |||
| |
RISKS |
Location in
Prospectus | ||
| Is There a Risk of Loss
from Poor
Performance? |
Yes. You can lose money by investing in this Contract, including your
principal investment. |
Principal Risks of
Investing in the
Contract | ||
| Is this a Short-Term
Investment? |
•No. This Contract is not designed for short-term
investing and is not appropriate for an investor who needs
ready access to cash. •Amounts withdrawn from series 1, 5, 7, or 9 Contract may
result in surrender charges, taxes and tax penalties.
Surrender charges could significantly reduce the amount that
you receive upon taking a withdrawal. Withdrawals may also
reduce or terminate Contract guarantees and may result in
taxes and tax penalties. •If you select the Fixed Account Plus option for investment, your
ability to transfer amounts from that option is subject to
an annual limit. It may take several years to transfer all
amounts from the Fixed Account Plus option. Under a series
11 Contract, if you transfer amounts from the Fixed Account
Plus option in excess of that annual limit (including withdrawals from the
Fixed Account Plus option for the purpose of transferring
assets to another funding entity), you may be subject to a
charge. •The benefits of tax deferral, if applicable, and long-term income
mean the Contract is generally more beneficial to investors
with a long investment time horizon. | |||
| What Are the Risks
Associated with
Investment Options? |
•An investment in this Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the
Investment Options available under the Contract. •Each Variable Investment Option and each Fixed Account Option has its
own unique risks. •You should review the Variable Investment Options and Fixed Account
Options before making an investment decision. |
|||
| What Are the Risks
Related to the
Insurance Company? |
An investment in the Contract is subject to the risks related to us, USL.
Any obligations (including under any Fixed Account Options),
guarantees, and benefits of the Contract are subject to the
claims-paying ability of USL. If we experience financial
distress, we may not be able to meet our obligations to you.
More information about us is available upon request by calling
1-800-448-2542 or visiting www.corebridgefinancial.com/rs.
| |||
| |
RESTRICTIONS |
Location in
Prospectus | ||
| Are There Restrictions
on the Investment
Options? |
•Yes. There are restrictions that may limit the
Investment Options that you may choose as well as
limitations on the transfer of the contract value among the
Investment Options. Certain Investment Options may not be
available under your Contract. Some in-plan deferred compensation plans
may restrict investment in Public Funds. If your Contract is
a tax-deferred, non-qualified annuity that is not part of
your employer’s retirement plan, Variable Investment
Options investing in a Public Fund will not be available to
you. •You may transfer funds between the Investment Options, subject to certain
restrictions. •If you are enrolled in an Advisory Program, you are personally prohibited
from making transfers among Investment Options in the Contract. During
such period, transfer instructions may only be provided by
the Investment Adviser. If you terminate the Advisory
Program, you may make transfers among the Investment Options
subject to certain restrictions. •Transfers between the Investment Options, as well as certain
purchases and redemptions, are subject to policies designed
to deter market timing and frequent transfers.
•Transfers to and from the Fixed Account Options are subject to special
restrictions. •We reserve the right to remove or substitute Portfolio Companies as
Investment Options. •We reserve the right to stop accepting additional Purchase Payments. |
Variable Investment
Options and Fixed
Account Options
Transfers Between
Investment Options | ||
| Are There any
Restrictions on
Contract Benefits? |
•If you are participating in an Advisory Program and your Investment
Adviser’s fees are deducted from your Contract, the deduction of
those fees may reduce the death benefit and any other
guaranteed benefit, and may be subject to surrender charges,
federal and state income taxes, and a 10% federal penalty
tax. |
Advisory Program
Taxes | ||
| |
TAXES |
| ||
| What Are the Contracts
Tax Implications? |
•You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. •If you purchase the Contract through a tax-qualified plan or an individual
retirement account, there is no additional tax benefit under the
Contract. •Withdrawals, including withdrawals to pay your Investment
Adviser’s fees, may be subject to ordinary income tax.
You may have to pay a tax penalty if you take a withdrawal
before age 59½. |
Taxes | ||
| |
CONFLICTS OF INTEREST |
Location in
Prospectus | ||
| How Are Investment
Professionals
Compensated? |
Your investment professional may receive compensation for selling this
Contract to you in the form of commissions, additional cash
compensation, and non-cash compensation. We may share the
revenue we earn on this Contract with your investment
professional’s firm, VFA. This conflict of interest
may influence your investment professional to recommend this
Contract over another investment for which the investment professional is
not compensated or compensated less.
You may determine to engage our affiliated registered investment adviser,
VFA, to provide investment advice to you for the Contract.
VFA will charge an Advisory Program Fee. We do not set your
investment advisory fee. While USL may deduct the Advisory
Program Fee from your Account Value based on instructions
from VFA, we do not retain any portion of these fees. With
VFA as the Investment Adviser of your Advisory Program, USL, as an
affiliate of VFA will indirectly benefit from VFA’s
receipt of Advisory Program Fees. In addition, VFA’s
investment professionals and their managers are eligible for
benefits from us or our affiliates, such as non-cash compensation items. One or more of these conflicts of interest may influence your investment
professional to recommend this Contract over another
investment. |
Description of
Insurance Company,
Registered Separate
Account, and
Investment Options
Advisory Program | ||
| Should I Exchange My
Contract? |
Some investment professionals may have a financial incentive to offer you
a new contract in place of the one you already own. You
should only exchange a contract you already own only if you
determine, after comparing the features, fees, and risks of
both contracts, as well as any fees or penalties to
terminate the existing contract, that it is preferable for you to purchase
the new contract rather than continue to own your existing
contract. | |||
| Type/Investment
Objective |
Portfolio Company and Adviser/Subadviser(s)1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2025) | ||
| 1 Year |
5 Year |
10 Year
(or life
of fund) | |||||
| Domestic
Large-Cap
Equity |
American Beacon Man Large Cap
Growth Fund3, 5 – Investor
Class Adviser: American Beacon Advisors, Inc. Sub-Adviser: Numeric Investors LLC |
1.12% |
None |
1.12% |
15.86% |
11.19% |
15.61%* |
| Capital Appreciation Fund2 Adviser: VALIC
Sub-Adviser: Columbia Management Investment Advisers, LLC |
0.73% |
None |
0.73% |
14.19% |
14.69% |
15.33% | |
| Dividend Value Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock Investment
Management, LLC and ClearBridge
Investments, LLC |
0.67% |
None |
0.67% |
18.21% |
11.55% |
10.40% | |
| Growth Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock
|
0.61% |
None |
0.61% |
14.57% |
11.57% |
15.67% | |
| Large Cap Core Fund2 Adviser: VALIC
Sub-Adviser: JPMIM and T. Rowe Price
|
0.66% |
None |
0.66% |
9.81% |
10.02% |
14.27% | |
| Nasdaq-100® Index Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock
|
0.42% |
None |
0.42% |
20.42% |
14.73% |
19.06% | |
| Stock Index Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock
|
0.23% |
None |
0.23% |
17.55% |
14.08% |
14.46% | |
| Systematic Core Fund2, 5
Adviser: VALIC Sub-Adviser: Goldman Sachs
|
0.64% |
None |
0.64% |
14.77% |
12.45% |
13.89% | |
| Systematic Growth Fund2, 5
Adviser: VALIC Sub-Advisers: Goldman Sachs Asset
Management, L.P. and Wellington Management
Company LLP |
0.64% |
None |
0.64% |
17.66% |
10.29% |
14.83% | |
| Systematic Value Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.65% |
None |
0.65% |
17.41% |
13.25% |
10.31% | |
| U.S. Socially Responsible Fund2 Adviser: VALIC
Sub-Adviser: BlackRock |
0.35% |
None |
0.35% |
14.73% |
11.77% |
12.91% | |
| Vanguard Windsor II Fund3 – Investor Shares
Advisers: Aristotle Capital Management, LLC; Hotchkis and Wiley
Capital Management, LLC; Lazard Asset Management LLC; and
Sanders Capital, LLC |
0.33% |
0.25% |
0.58% |
18.56% |
12.89% |
12.61% | |
| Domestic Mid-
Cap Equity |
Ariel Appreciation Fund3 – Investor Class
Adviser: Ariel Investments, LLC |
1.15% |
None |
1.15% |
11.11% |
7.57% |
7.95% |
| Mid Cap Strategic Growth Fund2 Adviser: VALIC
Sub-Advisers: Janus Henderson Investors US LLC and Voya Investment Management Co. LLC |
0.74% |
None |
0.74% |
11.34% |
7.88% |
13.56% | |
| Mid Cap Value Fund2 Adviser: VALIC
Sub-Advisers: Boston Partners Global Investors, Inc. d/b/a Boston Partners and Wellington Management |
0.83% |
None |
0.83% |
7.23% |
10.19% |
9.29% | |
| Mid Cap Index Fund2 Adviser: VALIC
Sub-Adviser: BlackRock |
0.35% |
None |
0.35% |
6.95% |
8.68% |
10.34% | |
| Type/Investment
Objective |
Portfolio Company and Adviser/Subadviser(s)1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2025) | ||
| 1 Year |
5 Year |
10 Year
(or life
of fund) | |||||
| Domestic Small-
Cap Equity |
Ariel Fund3 – Investor Class
Adviser: Ariel |
1.01% |
None |
1.01% |
14.15% |
9.36% |
9.51% |
| Small Cap Growth Fund2, 5
Adviser: VALIC Sub-Advisers: American Century
Investment Management, Inc. and T. Rowe
Price Associates, Inc. |
0.88% |
None |
0.88% |
9.20% |
-2.35% |
11.01% | |
| Small Cap Index Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock
|
0.38% |
None |
0.38% |
12.23% |
5.69% |
9.27% | |
| Small Cap Core Fund2 Adviser: VALIC
Sub-Adviser: Invesco Advisers, Inc. |
0.93% |
None |
0.93% |
-3.03 |
6.57% |
8.39% | |
| Small Cap Value Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.84% |
None |
0.84% |
12.16% |
9.55% |
8.54% | |
| Global Equity
(International
and Domestic) |
Global Strategy Fund2, 5
Adviser: VALIC Sub-Advisers: Franklin Advisers, Inc.
and Brandywine Global Investment Management
LLC |
0.63% |
None |
0.63% |
20.73% |
7.18% |
5.85% |
| International Socially Responsible Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock
|
0.55% |
None |
0.55% |
27.32% |
7.80% |
9.10% | |
| International
Equity |
Emerging Economies Fund2 Adviser: VALIC
Sub-Adviser: BlackRock |
1.02% |
None |
1.02% |
30.11% |
4.19% |
8.04% |
| International Equities Index Fund2, 5
Adviser: VALIC Sub-Adviser: BlackRock
|
0.39% |
None |
0.39% |
30.81% |
8.47% |
7.82% | |
| International Growth Fund2, 5
Adviser: VALIC Sub-Advisers: MSIM and Morgan Stanley
Investment Management Co.
|
0.82% |
None |
0.82% |
6.07% |
1.86% |
8.33% | |
| International Opportunities Fund2, 5
Adviser: VALIC Sub-Advisers: Invesco Advisers, Inc. and
Wellington Management |
1.01% |
None |
1.01% |
27.46% |
2.74% |
6.76% | |
| International Value Fund2, 5
Adviser: VALIC Sub-Advisers: Goldman Sachs and Columbia
Management Investment Advisers,
LLC |
0.81% |
None |
0.81% |
39.97% |
10.60% |
8.10% | |
| Specialty |
Global Real Estate Fund2 Adviser: VALIC
Sub-Advisers: Duff & Phelps Investment Management Co. and MFS |
0.90% |
None |
0.90% |
7.70% |
1.77% |
3.39% |
| Invesco Balanced-Risk Commodity Strategy Fund3, 5 – Class R5
Adviser: Invesco Advisers, Inc. |
1.05% |
None |
1.05% |
18.94% |
9.41% |
6.23% | |
| Science & Technology Fund2, 5
Adviser: VALIC Sub-Advisers: BlackRock and Voya |
0.91% |
None |
0.91% |
22.57% |
11.59% |
18.92% | |
| Type/Investment
Objective |
Portfolio Company and Adviser/Subadviser(s)1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2025) | ||
| 1 Year |
5 Year |
10 Year
(or life
of fund) | |||||
| Hybrid
(Equity and
Fixed Income) |
Aggressive Allocation Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.54% |
None |
0.54% |
16.94% |
8.73% |
9.38% |
| Asset Allocation Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.65% |
None |
0.65% |
11.50% |
8.17% |
7.75% | |
| Conservative Allocation Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.59% |
None |
0.59% |
11.79% |
4.34% |
5.85% | |
| Moderate Allocation Lifestyle Fund2, 5
Adviser: VALIC Sub-Adviser: JPMIM |
0.54% |
None |
0.54% |
14.40% |
7.01% |
8.10% | |
| T. Rowe Price Retirement 2015 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.74% |
None |
0.74% |
11.83% |
5.05% |
6.89% | |
| T. Rowe Price Retirement 2020 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.76% |
None |
0.76% |
12.23% |
5.34% |
7.42% | |
| T. Rowe Price Retirement 2025 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.78% |
None |
0.78% |
12.71% |
5.76% |
8.03% | |
| T. Rowe Price Retirement 2030 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.80% |
None |
0.80% |
14.10% |
6.51% |
8.77% | |
| T. Rowe Price Retirement 2035 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.83% |
None |
0.83% |
15.84% |
7.42% |
9.50% | |
| T. Rowe Price Retirement 2040 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.84% |
None |
0.84% |
17.16% |
8.17% |
10.12% | |
| T. Rowe Price Retirement 2045 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.85% |
None |
0.85% |
18.23% |
8.77% |
10.55% | |
| T. Rowe Price Retirement 2050 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.87% |
None |
0.87% |
18.53% |
8.95% |
10.63% | |
| T. Rowe Price Retirement 2055 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.88% |
None |
0.88% |
18.70% |
8.97% |
10.63% | |
| T. Rowe Price Retirement 2060 Fund3 – Advisor Class
Adviser: T. Rowe Price |
0.89% |
None |
0.89% |
18.63% |
8.96% |
10.62% | |
| Vanguard LifeStrategy Conservative Growth Fund3, 4 – Investor
Shares
Adviser: The Vanguard Group, Inc. |
0.10% |
0.25% |
0.35% |
12.86% |
4.24% |
6.12% | |
| Vanguard LifeStrategy Growth Fund3, 4 – Investor Shares
Adviser: Vanguard |
0.10% |
0.25% |
0.35% |
19.63% |
8.76% |
10.03% | |
| Vanguard LifeStrategy Moderate Growth Fund3, 4 – Investor
Shares
Adviser: Vanguard |
0.10% |
0.25% |
0.35% |
16.24% |
6.49% |
8.09% | |
| Vanguard Wellington Fund3 – Investor Shares
Adviser: Wellington Management |
0.25% |
0.25% |
0.50% |
16.48% |
9.28% |
10.02% | |
| Type/Investment
Objective |
Portfolio Company and Adviser/Subadviser(s)1 |
Current
Expenses |
Platform
Charge6 |
Current
Expenses
+
Platform
Charge |
Average Annual Total Returns
(as of Dec. 31, 2025) | ||
| 1 Year |
5 Year |
10 Year
(or life
of fund) | |||||
| Fixed Income |
Core Bond Fund2 Adviser: VALIC
Sub-Advisers: PineBridge Investments LLC and JPMIM |
0.48% |
None |
0.48% |
7.64% |
-0.16% |
2.36% |
| Goldman Sachs VIT Government Money Market Fund5 –
Institutional Shares
Adviser: Goldman Sachs |
0.18% |
None |
0.18% |
4.20% |
3.18% |
2.11% | |
| Government Securities Fund2 Adviser: VALIC
Sub-Adviser: JPMIM |
0.58% |
None |
0.58% |
6.66% |
-0.49% |
1.41% | |
| High Yield Bond Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.68% |
None |
0.68% |
9.37% |
4.20% |
5.92% | |
| Inflation Protected Fund2, 5
Adviser: VALIC Sub-Adviser: Wellington
Management |
0.54% |
None |
0.54% |
6.00% |
1.06% |
2.86% | |
| International Government Bond Fund2 Adviser: VALIC
Sub-Adviser: PineBridge |
0.80% |
None |
0.80% |
9.15% |
-2.01% |
1.64% | |
| Vanguard Long-Term Investment-Grade Fund3 – Investor Shares
Advisers: Wellington Management and Vanguard |
0.21% |
None |
0.21% |
7.18% |
-3.74% |
2.68% | |
| Vanguard Long-Term Treasury Fund3 – Investor Shares
Adviser: Vanguard |
0.20% |
None |
0.20% |
5.64% |
-7.30% |
-0.04% | |
| Name |
Term |
Minimum Guaranteed Interest Rate
|
| Fixed Account Plus |
1-Year |
1% |
| Short-Term Fixed |
1-Year |
1% |