What is the major product of the reaction shown below? 
Definitions:
Annual Payments
Regular payments made once a year, often associated with loan repayments or insurance premiums.
Discount Rate
This is the discount rate used in the process of DCF to calculate the present value of cash flows that are to be received in the future.
Present Value
Today's calculated value of a future monetary sum or cash flow patterns, utilizing a specific rate of return.
Discount Rate
The interest rate used to determine the present value of future cash flows, reflecting the time value of money and risk of cash flows.
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