Predict the major product for the following reaction. 
Definitions:
Interest Expense
The cost incurred by an entity for borrowed funds over a period, reflected in its income statement.
Contractual Interest Rate
The agreed-upon rate of interest to be paid on loans or bonds, specified within a contract.
Annual Rate
A yearly interest rate that accounts for compounding over a 12-month period.
Term Bonds
Term bonds are bonds that mature on a single date, with the principal amount being repaid at the end of the bond term.
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