What is the major product of the following reaction sequence? 
Definitions:
Annual Effective Rate
The annual rate that reflects the compounding of interest, offering a true reflection of the financial product's profitability.
Monthly Compounded
Interest calculation method where interest is added to the principal balance every month, increasing the amount on which future interest is calculated.
Nominal Rate
The stated interest rate of an investment or loan, not including the effect of compound interest or inflation adjustments.
Monthly Compounded
A method of calculating interest where the interest is added to the principal each month, resulting in interest earned on interest.
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