2024 Fliac payment - January 04, 2022. Jersey City, N.J. (Business Wire) Fortitude Re Completes Acquisition of Third Party Administrators from AIG.

 
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Each subsidiary is responsible for its own financial condition and contractual obligations. FLIAC is not licensed to do business in New York, effective December 31, 2015, which had no impact on existing annuity contracts sold …FLIAC does not intend, and is under no obligation, to update any particular forward-looking statement included in this document. See “Risk Factors” included in the …When it comes to running an online business, payment processing is one of the most important aspects. It’s essential to have a secure and reliable payment system in place so that c...Pay Fee; Download Receipt; Select Institute . Select. Select Branch . This feature is not available for your selected institute and branch. Enter a validnull Mobile No . Enter a valid mobile no. Email . Enter a valid Email. Refresh. By logging in ...Thanks to the internet, it’s possible to move money around both securely and conveniently when you need to make a purchase or pay a bill. 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Select the Manage Accounts option and then the Online Services option to complete the online request for a duplicate invoice.and Annuity Company, Inc. (“FLIAC”). FLIAC is the issuer of your variable annuity or variable life insurance product. Foresters Financial Services, Inc. will continue in its role as principal underwriter of FLIAC’s variable insurance products until Nassau Life’s affiliated broker-dealer assumes the role of principal underwriter.CloudConvert is your universal app for file conversions. We support nearly all audio, video, document, ebook, archive, image, spreadsheet, and presentation formats. Plus, you can use our online tool without downloading any software.A payment processing center accepts payments and transactions from customers, processes them and submits the funds to the business’s bank account, as noted by Kabbage.com.A little reminder than payment deadline for the upcoming term starting in January is till the 18th December! Looking forward to our last week of sessions at Paola before we close off the 1st Term 懶Pay Monthly with Affirm. Book your flights today and spread the cost over time with Affirm. Choose a monthly instalment plan over 3, 6, 12 or 18 months. Interest fees apply. Affirm also has a pay weekly payment option. You can pay monthly with Affirm if you reside in the US (USD). Visit our Affirm page for full terms & to find out more.Before issuing a Policy, FLIAC conducts underwriting to determine the proposed Insured’s insurability. For ISPC-2 and ISPC-4, the premium payment period and Face Amount of insurance a Policyowner chooses dictates whether FLIAC will conduct standard underwriting or non-medical underwriting (see “Policy … Log in with your username and password to access the myAflac website. FLIAC is not licensed to do business in New York, effective December 31, 2015, which had no impact on existing annuity contracts sold through FLIAC. 1052463-00004-00 . Title: Prudential and Fortitude Re Transaction Legal Entity Name Change from PALAC to FLIAC - Frequently Asked QuestionsA little reminder than payment deadline for the upcoming term starting in January is till the 18th December! Looking forward to our last week of sessions at Paola before we close off the 1st Term 懶 To ensure continued coverage, you can pay your premiums directly to Aflac through autopay or continue deductions with your new employer if they offer Aflac coverage. Many of our policies include a Continuation of Coverage benefit, which waives monthly premium for up to 2 months if certain conditions are met. phs.aflac.comThe payment site is operated by a third-party processing company. Upon clicking "SUBMIT," you will be transferred to their secure payment portal. If you are ready to enter the payment site to make your payment, please check the box below and click the “SUBMIT” button.Founded in 1962, FLIAC is a provider of life insurance and annuity products with 112,000 policyholders throughout the U.S. and $2.5 billion in assets. The company has offices in Edison, NJ and New ...Manuals and free owners instruction pdf guides. Find the user manual and the help you need for the Fiac products you ownBefore issuing a Policy, FLIAC conducts underwriting to determine the proposed Insured’s insurability. For ISPC-2 and ISPC-4, the premium payment period and Face Amount of …The Payment Calculator can determine the monthly payment amount or loan term for a fixed interest loan. Use the "Fixed Term" tab to calculate the monthly payment of a fixed-term loan. Use the "Fixed Payments" tab to calculate the time to pay off a loan with a fixed monthly payment. For more information about or to do …Nassau Financial Group’s subsidiary Nassau Life Insurance Company has closed its previously announced acquisition of Foresters Financial Holding Company …and Annuity Company, Inc. (“FLIAC”). FLIAC is the issuer of your variable annuity or variable life insurance product. Foresters Financial Services, Inc. will continue in its role …Feb 14, 2024 · Average Aflac Benefits Advisor yearly pay in the United States is approximately $54,452, which is 6% below the national average. Salary information comes from 4,630 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months. Please note that all salary figures are approximations ... FLIAC does not intend, and is under no obligation, to update any particular forward-looking statement included in this document. See “Risk Factors” included in the Annual Report on Form 10-K for the year ended December 31, 2021 and Quarterly Reports on Form 10-Q for the periods ended March 31, 2022 and …While we have done everything neccesary to ensure a smooth payment process, some exceptional situations may occur. Should the situation persist, reach us via listed contacts below: Working Hours: 8am - 4pm, Working days. Phone Numbers: +2348079038989. Email Address: [email protected]. LAUTECH - Payments Portal.Payment technologies 2024 About the event Welcome to the Baltic Payment Forum, where innovation meets insight in the dynamic world of payments and fintech. Join us for a day of thought-provoking discussions, visionary keynotes, and immersive sessions exploring the latest trends, challenges, and opportunities in the payments landscape. Engage ...5 benefits of flexible payment solutions when vendors expect payment upfront. Download our Flex flyer. 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Earn 2% on all other purchases …Those payments and the responsibility to make them are not the obligations of the third party broker-dealer from which this annuity is purchased ... (“FLIAC”), located in Jersey City, NJ. Fortitude Re has retained PICA as an unaffiliated Third-Party Administrator. Variable Annuities and Variable Life Insurance are distributed by ...1. No payment or deposit shall be deemed to have been made until the Company receives payment for the charge made. 2. Any service may be revoked by the company …Fee Payment Options. Cash at Bank. You can pay your nonimmigrant visa application fee with cash at any RCBC. Before going to the bank, you must print the applicable U.S. visa application deposit slip available below on this page. Take the printed deposit slip with you to pay your fee. DO NOT print multiple copies of the same deposit slip.Over the past 3 months, 7 analysts have published their opinion on Shift4 Payments (NYSE:FOUR) stock. 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Contact your insurer: Inform your insurer that you suffered an injury in an accident. Give them your policy number. Also, provide them with the accident’s date, time, location, and other necessary details. Go Mobile. Last Updated on : 30/11/2023. Experience secure and hassle-free LIC premium payment. Pay your life insurance premiums conveniently online with …Are you tired of relying solely on your mobile device for all your payment needs? Do you often find yourself wishing you could access your favorite payment app on your computer? Lo... Flight Crew Access. Sign In to FLICA. User ID Password. Forgot User ID or Password? First-Time User. In the modern world, businesses need to be able to accept payments quickly and securely. Payment processing online is an efficient and secure way to do this, allowing businesses to...While we have done everything neccesary to ensure a smooth payment process, some exceptional situations may occur. Should the situation persist, reach us via listed contacts below: Working Hours: 8am - 4pm, Working days. Phone Numbers: +2348079038989. Email Address: [email protected]. LAUTECH - Payments Portal.Flac Finance integrates with countries financial infrastructure to provide access to a wide range of regulated financial services to the users, which includes Flac Credit Card, banking integration, and payment solutions like UPI. Borrow fiat against cryptocurrency assets. Pay for everyday needs using cryptocurrency. Earn …Jun 30, 2022 · FLIAC does not intend, and is under no obligation, to update any particular forward-looking statement included in this document. See “Risk Factors” included in the Annual Report on Form 10-K for the year ended December 31, 2021 and Quarterly Report on Form 10-Q for the period ended March 31, 2022 for discussion of certain risks relating to ... In the modern world, businesses need to be able to accept payments quickly and securely. Payment processing online is an efficient and secure way to do this, allowing businesses to... Get a Quote. Individuals. Customer Resources. About MyAflac. MyAflac is an online customer portal we created just for you. It’s your go-to tool for managing your policy, filing a claim, and everything in between. Let’s get started. MyAflac Intro. Managing Your Policy. Flight Crew Access. Sign In to FLICA. User ID Password. Forgot User ID or Password? First-Time User. FLICA - Login. Major medical covers an average of 60% of total medical costs, and supplemental insurance helps cover the remaining 40% of any medical bill 2. Major medical coverage only goes so far, and even with it, you can still be left with tremendous out-of-pocket costs. The average cost of a broken leg is $7,152. 1 After major medical, you could still be ... Making payments online can be a daunting task, especially when it comes to security. 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See “Risk Factors” included in the Annual Report on Form 10-K for the year ended December 31, 2021 and Quarterly Reports on Form 10-Q for the periods ended March 31, 2022 and …Find out more School Shops ParentPay Shops is a highly flexible cashless payment solution, helping thousands of schools to go truly cashless by collecting for all types of income collection. Find out more Donations & Gift Aid Streamline your fundraising efforts and enable parents to donate with a variety of payment methods, with or without a … Policies provided through an Employer. Disability–Claims or questions about your policy: 1-800-842-1718. Monday to Friday 8 a.m. to 8 p.m. ET FIAC, Paris, France. 115,284 likes · 4 talking about this · 8,647 were here. Foire d'art contemporain 21-23 October 2022 Grand Palais Éphémère www.fiac.comYou may request a duplicate copy of your invoice by calling 1-800-99-AFLAC (1-800-992-3522), by faxing a request to 1-706-596-3100, or by contacting us through Aflac’s Web site, aflac.com. Select the Manage Accounts option and then the Online Services option to complete the online request for a duplicate invoice.WHEREAS, FLIAC has issued certain variable annuity contracts and variable life policies identified in Schedule 1 to this Agreement, as modified from time to time, registered pursuant to registration statements filed with the SEC under the Securities Act and funded through the Separate Accounts registered as unit investment trusts under the 1940 Act, … Automatic Payments. Automatic Payments is a fast and easy way to pay your insurance premiums on a monthly basis. 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How to make an accident insurance claim. Filing an accident insurance claim involves several steps: 3. 1. Contact your insurer: Inform your insurer that you suffered an injury in an accident. Give them your policy number. Also, provide them with the accident’s date, time, location, and other necessary details. Making online payments can be a hassle, but with Comenity it doesn’t have to be. Comenity is a payment processor that makes it easy to manage your online payments and keep track of...FLIAC does not intend, and is under no obligation, to update any particular forward-looking statement included in this document. See “Risk Factors” included in the …Payment technologies 2024 About the event Welcome to the Baltic Payment Forum, where innovation meets insight in the dynamic world of payments and fintech. Join us for a day of thought-provoking discussions, visionary keynotes, and immersive sessions exploring the latest trends, challenges, and opportunities in the payments landscape. Engage ...When it comes to making a payment, you typically have several different options to consider. While some prefer the simple method of paying with cash, others prefer to use electroni...Company (“FLIAC”, “We”, “Us” or “Our”). FLIAC will credit a “Bonus Payment” to the Accumulation Value each time You make a Purchase Payment with some limitations. …Making payments on AT&T is easy and convenient. Whether you’re paying your bill online or over the phone, this step-by-step guide will help you make a payment quickly and securely....If I do not so inform , any FLIAC decision FLIAC makes in determining unnamed Beneficiary(ies) based upon written evidence acceptable to FLIAC will be final. I agree that any payment made by FLIAC in good faith pursuant to this Change of Beneficiary designation shall fully discharge FLIAC of its liability under the Policy.QuickBooks Payments is a payment processor for QuickBooks users accepting online and mobile payments. Read our QuickBooks Payments review. Retail | Editorial Review Updated April 2...Call 800-521-5774 to reach a dedicated Broker Support Representative. 1070156-00001-00. Prudential has been a leader for over 30 years in providing structured settlements that help injury claimants achieve financial wellness. Find out what a structured settlement is and how Prudential can help provide you with one.All needs are covered with Peak’s completely portable software and management tools, creating a unified business for club owners, employees, and members. Stay connected at the club, at your home, and in your …Heartland does not make our list of recommended payment processors. Find out why - read our Heartland Payment Systems review. Retail | Editorial Review Updated May 27, 2023 REVIEWE...Accepted payment methods: Worldwide shipping: BuyFilterOnline.com is one of the biggest online suppliers of filters for compressors and spare parts for vacuum pumps. It has more than 2.400.000 models of spare parts for industrial filters.Oct. 20, 2021. Paris’s flagship art fair, the Foire Internationale d’Art Contemporain, also known as FIAC, is back after a pandemic-induced absence. This time, the venue is not the domed Grand ...Sign In to make an Individual Tax Payment and See Your Payment History. For individuals only. You will need to create an IRS Online Account before using this option. View the amount you owe, your payment plan details, payment history, and any scheduled or pending payments. Make a same day payment …Offer your customers a hassle-free payment experience by sharing your payment link that enables them to make payments via social media without requiring a website or physical store. We areawesome team. for your business dream. PipilikaPay is a payment automation software that helps businesses manage … Aflac Login. User Name: Password: Forgot Password? Login Now. Login with Empowered IDM. By logging into myaflac.com, I acknowledge and agree that these terms, in addition to any other terms of confidentiality agreements and other agreements (the “Agreements”) that I may have previously entered into with Aflac will govern my use of myaflac ... Flac Finance integrates with countries financial infrastructure to provide access to a wide range of regulated financial services to the users, which includes Flac Credit Card, banking integration, and payment solutions like UPI. Borrow fiat against cryptocurrency assets. Pay for everyday needs using cryptocurrency. Earn …Fortitude Reinsurance Company Ltd., (“Fortitude Re”) today announced the signing of a $28 billion reinsurance agreement with The Lincoln National Life Insurance Company, a subsidiary of Lincoln National Corporation (NYSE: LNC) and its affiliates (“Lincoln”). Upon receipt of regulatory approvals, Lincoln will reinsure a significant …Pay your bills 24*7: You can choose to pay your bills anytime as per your convenience on the Vi website or through the Vi app. Pay bill online for others: You can pay bills for yourself or a friend. Flexible phone bill payment options: With multiple payment options to …and Annuity Company, Inc. (“FLIAC”). FLIAC is the issuer of your variable annuity or variable life insurance product. Foresters Financial Services, Inc. will continue in its role … Request a Quote. Aflac's supplemental health insurance plans pay out cash benefits directly to you, in as little as one day, to help you pay for out-of-pocket medical expenses such as copays, deductibles, transportation and child care costs when a serious illness or accident happens. Get started with a quote today! FIAC, Paris, France. 115,284 likes · 4 talking about this · 8,647 were here. Foire d'art contemporain 21-23 October 2022 Grand Palais Éphémère www.fiac.comA structured settlement can bring peace of mind, knowing you’re financially secure today and tomorrow—and that can make the path forward a lot more certain. Hear the inspirational stories of two women who, with the financial assistance of a structured settlement, were able to overcome personal tragedy and rebuild their … There are two simple steps to make sure you get paid quickly: MyAflac. Our system will guide you every step of the way—from filling out the right forms to filing your claim—so your claim can be processed quickly. Log In / Register for MyAflac. Upload Supporting Documents. FLAC welcomes landmark Supreme Judgment on Equal Treatment for Parents and their Children regardless of marital status read more →. FLAC is an independent human rights organisation dedicated to the realisation of equal access to justice for all. Need Legal Help? Telephone information line, advice centres, more ... Flight Crew Access. Sign In to FLICA. User ID Password. Forgot User ID or Password? First-Time User. Contact Details. Services and Products. Fortitude Life Insurance & Annuity Company (FLIAC) offers a diverse range of life insurance and annuity products tailored …acceptable to Nassau will be final.I agree that any payment made by Nassau in good faith pursuant to this Change of Beneficiary designation shall fully discharge Nassau its liability under the Policy. Once you’ve filled out the correct forms, you can upload any other required documents electronically. Just use a scanner or take a picture with your phone. Aflac offers swift claims payments of individuals or employers claims with help of Aflac's Smart Claim services. In today’s digital world, making payments for your AT&T phone is easier than ever. Whether you’re paying for a new phone, upgrading your plan, or just making a regular payment, the...Contactless payment technology allows transactions through a chip embedded in payment cards, tags, key fobs, or mobile phones. A chip or QR code… Contactless payment technology all...Every year, FIAC presents artistic projects and cultural programmes of unrivaled scope within the landscape of art fairs. An ensemble of outdoor works, a performance festival, and conferences are revealed to the public during FIAC week in free and open access. FIAC Hors les Murs is an exhibition of outdoor artworks presenting sculptures and ...When it comes to choosing a payment gateway for your online business, there are many options available. One of the most popular options is Amazon Payment. In this article, we will ...Make a payment. CNAC uses your Google or Microsoft Windows Live account to access your CNAC account information. Click the sign-in button to create an account or to use your existing account. If this is your first time, you will need your contract number. If you need help finding your contract number, please call your CNAC representative.A Union Plus Credit Card is a flexible way to make purchases and build your credit rating, but it’s essential to make your payments in a timely manner. Learn how to make a Union Pl...5.270. From the above, we notice the following: The best FLAC compression level with the best trade-off between file size and additional encoding time is FLAC 3, 4, or 5. FLAC 0 to 2 encodes very fast, but the file sizes are quite large. FLAC 6 to 8 takes a long time to encode, but the file sizes are very small.Discover the Fliac bracelet white made of robust 316L stainless steel hypoallergenic Shop now at L'Amotion!Purpose of the message MT544. Confirms a receipt of financial instruments free of payment. It may also be used to cancel or reverse a confirmation. Scope of the message MT544. This message is sent by an account servicer (account servicing institution) to an account owner or its designated agent. The account servicer may be a local agent (sub ...Over the past 3 months, 5 analysts have published their opinion on Shift4 Payments (NYSE:FOUR) stock. These analysts are typically employed by lar... Over the past 3 months, 5 anal...When it comes to making a payment, you typically have several different options to consider. While some prefer the simple method of paying with cash, others prefer to use electroni...Making a payment to your Boost Mobile account is now easier than ever with the ability to pay online. Whether you’re looking to make a one-time payment or set up automatic payments... Log in with your username and password to access the myAflac website. Payment Authorization Agreement American Family Life Assurance Company of Columbus (Aflac) Worldwide Headquarters • 1932 Wynnton Road • Columbus, GA 31999-0001 1.800.99.AFLAC (1.800.992.3522) • aflac.com Policyholder/Applicant Information Policy Premium Policy Premium Numbers $ Numbers $ Name: Address: City, State, ZIP: …The Fair. Founded in Paris in 1974, the International Contemporary Art Fair [Foire Internationale d’Art Contemporain] brings together modern and contemporary art galleries. All media are represented: painting, sculpture, photography, installations, videos, performances, and digital arts. FIAC Galleries brings together around 200 exhibitors in ...Fortitude Re is the marketing name for FGH Parent, L.P. and its subsidiaries, including FLIAC. Each subsidiary is responsible for its own financial condition and contractual obligations. FLIAC is not licensed to do business in New York, effective December 31, 2015, which had no impact on existing annuity contracts sold through FLIAC.Founded in 1962, FLIAC is a provider of life insurance and annuity products with 112,000 policyholders throughout the U.S. and $2.5 billion in assets. The company has offices in Edison, NJ and New ...Be the foundation for digital payments enabling a thriving national ecosystem. Empowering the payments ecosystem with flexible and interoperable back-end services supported by secure, reliable and accessible infrastructure. Saudi Payments was established as a wholly owned subsidiary of SAMA with the mandate to continue the legacy of SAMA by ...Are you tired of relying solely on your mobile device for all your payment needs? Do you often find yourself wishing you could access your favorite payment app on your computer? Lo...FLIAC does not intend, and is under no obligation, to update any particular forward-looking statement included in this document. See “Risk Factors” included in the …Fortitude Reinsurance Company Ltd., (“Fortitude Re”) today announced the signing of a $28 billion reinsurance agreement with The Lincoln National Life Insurance Company, a subsidiary of Lincoln National Corporation (NYSE: LNC) and its affiliates (“Lincoln”). Upon receipt of regulatory approvals, Lincoln will reinsure a significant …Feb 14, 2024 · Average Aflac Benefits Advisor yearly pay in the United States is approximately $54,452, which is 6% below the national average. Salary information comes from 4,630 data points collected directly from employees, users, and past and present job advertisements on Indeed in the past 36 months. Please note that all salary figures are approximations ... Aflac Customer Solutions Center: 800.992.3522. Aflac Group Customer Solutions Center: 800.433.3036. Aflac New York Customer Solutions Center: 800.366.3436. * Aflac Tier One Customer Service Center (8 a.m.- 8 p.m. ET M-F): 866.990.2668. * Aflac Tier One customers purchased a policy online or over the phone after … Pay your Aflac bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. doxo is the simple, protected way to pay your bills with a single account and accomplish your financial goals. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. Fortitude Reinsurance Company Ltd., (“Fortitude Re”) today announced the signing of a $28 billion reinsurance agreement with The Lincoln National Life Insurance Company, a subsidiary of Lincoln National Corporation (NYSE: LNC) and its affiliates (“Lincoln”). Upon receipt of regulatory approvals, Lincoln will reinsure a significant …Pay Fee; Download Receipt; Select Institute . Select. Select Branch . This feature is not available for your selected institute and branch. Enter a validnull Mobile No . Enter a valid mobile no. Email . Enter a valid Email. Refresh. By logging in ...Hotel Sugar Beach Mauritius Flic en Flac - 5 star hotel. Set in the Flic-en-Flac Beach district, a 10-minute drive from Salt Works, the comfortable Sugar Beach Mauritius Flic en Flac offers a sun terrace. Guests of …View Yi Yang’s profile on LinkedIn, the world’s largest professional community. Yi has 5 jobs listed on their profile. See the complete profile on LinkedIn and discover Yi’s connections and ... Payment Authorization Agreement American Family Life Assurance Company of Columbus (Aflac) Worldwide Headquarters • 1932 Wynnton Road • Columbus, GA 31999-0001 1.800.99.AFLAC (1.800.992.3522) • aflac.com Policyholder/Applicant Information Policy Premium Policy Premium Numbers $ Numbers $ Name: Address: City, State, ZIP: Phone: No. of ... Visitors will have to buy their e-tickets online only. The opening of the ticketing service will take place at the end of September 2021. Full-fare ticket : 40 €. Reduced fare* : 27 €. Admission is free for children under 12 accompanied by a ticketed adult carrying and upon presentation of a valid ID. *- Students with a valid student ID.Choose a codec to encode or compress the audio stream. To use the most common codec, select "Auto" (recommended). To convert without re-encoding audio, choose "Copy" (not recommended). Adjust Volume. 100% represents the original volume. To double the volume, increase it to 200%. To reduce volume by half, select 50%.Prior to April 1, 2022, Fortitude Life Insurance & Annuity Company ("FLIAC" or the "Company"), ... and payments to policyholders and contractholders in connection with surrenders, ...5.1 Artworks and content are displayed by the galleries in their own spaces (Online Viewing Rooms) sometimes with an accurate price or a price range.Price setting is always under the sole control and liability of galleries. 5.2 RX france is not acting as an intermediary between the visitors and the galleries. it has no part in their contacts, their relationship, the deals …and Annuity Company, Inc. (“FLIAC”). FLIAC is the issuer of your variable annuity or variable life insurance product. Foresters Financial Services, Inc. will continue in its role as principal underwriter of FLIAC’s variable insurance products until Nassau Life’s affiliated broker-dealer assumes the role of principal underwriter.Make a payment; Individual Log In Individual Log In. Easily access MyPru, a single destination for all of your accounts, as well as ... L.P. and its subsidiaries, including FLIAC. Each subsidiary is responsible for its own financial condition and contractual obligations. FLIAC is not licensed to do business in New York, ...5.1 Artworks and content are displayed by the galleries in their own spaces (Online Viewing Rooms) sometimes with an accurate price or a price range.Price setting is always under the sole control and liability of galleries. 5.2 RX france is not acting as an intermediary between the visitors and the galleries. it has no part in their contacts, their relationship, the deals …FLAC (/ f l æ k /; Free Lossless Audio Codec) is an audio coding format for lossless compression of digital audio, developed by the Xiph.Org Foundation, and is also the name of the free software project producing the FLAC tools, the reference software package that includes a codec implementation. Digital audio compressed by FLAC's algorithm can …5 benefits of flexible payment solutions when vendors expect payment upfront. Download our Flex flyer. Westcon-Comstor provides payment and financing that is simple, smart and designed for your business. Our goal is to provide innovative, flexible and competitive alternatives that help you make complex purchases. Learn more.Company (“FLIAC”, “We”, “Us” or “Our”). FLIAC will credit a “Bonus Payment” to the Accumulation Value each time You make a Purchase Payment with some limitations. The Contract provides You with the opportunity to accumulate capital, on a tax-deferred basis, for retirement or other long-term purposes and. 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