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21) Mortgage Servicing Rights: Assumptions used in determining MSR value (Tables)

12 Months Ended

Dec. 31, 2018

Tables/Schedules

Assumptions used in determining MSR value

	Prepayment Speeds	Average Life(Years)	Discount Rate
December 31, 2018	3.86%	6.33	9.51
December 31, 2017	3.67%	6.34	10.01

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