Predict the product(s) for the following reaction. 
Definitions:
Effective Rate
The actual interest rate on a loan or investment, taking into account the effect of compounding over a given period of time.
Discount Rate
The interest rate used in discounted cash flow analysis to determine the present value of future cash flows, reflecting the risk and time value of money.
Yearly Payments
Payments made once per year, often related to loans, annuities, or insurance policies.
Effective Annual Rate
The interest rate on an investment or loan over a year, taking into account the effect of compounding.
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