In the last class are the Van Kampen Senior Loan, Eaton Vance Prime Rate Reserves and Franklin Floating Rate funds.

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The interest rate of the loan is generally a low rate of prime plus one percent.

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Users of the ReservePlus loan card pay themselves an interest rate pegged at the prime rate (currently 5%) plus a service fee of from 2.9% to 3.25% of the outstanding balance, which goes to Bent's firm.

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