The trick was to hold the old campaign rate despite the bank having change the BR and spread as discussed below. I won't share too much because this is a behind-the-scenes trick.
 

Insurance agent, 

I have proof of my success rate of gettin the 4.15%. Do you have proof of one without editing the letter offers. Save it, as proven many times before, you are not trust worthy. For example, you have been caught plagiarizing external articles and pretending that you wrote it on your own.

Here's my proof of the 4.15%, when the letter offer was issues, the BR has already dropped and the spread increased, but I still managed to get 4.15%. This bank's BR is currently 3.88%

https://i.imgur.com/K4toCFH.jpg