Which of the following explains the concept of Surrender-Value?

1
Maximum Compensation, Available Under Policy
2
Cash-Value, Associated with the Policy, in Case, the Premiums have been Paid, for 3 Years, at least. 
3
Minimum Compensation, Available Under the Policy.
4
Compensation, Available Under the Policy, At Any Given Point of Time.
5
Both 1 & 2.

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