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It do)-9.9 (es )]TJ 0 -1.2 Td [(not c)12 (ont)10 (a\037n a cr)20.1 (ed\037t l\037m\037t, an)20.1 (y \037nt)10 (er)20 (est r)20.1 (at)10 (es)20 (, an )40 (A)5 (PR or the )]TJ 0 -1.2 Td [(T)85 (ot)10 (al )40 (Amount P)20.1 (a)20 (y)20 (able as th\037s \037nf)10.1 (ormat\037on c)12 (an v)20.1 (ary dep)-10 (end\037ng )]TJ 0 -1.2 Td [(on our ass)10.1 (essment o)10 (f y)20 (our appl\037c)12.1 (at\037on. 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The annual f)10.2 (ee \037s tr)20 (eat)10 (ed as p)-9.9 (a\037d on the s)10.1 (ame da)20 (y )]TJ 0 -1.187 Td [(as the Pur)20.1 (chas)10 (e \037s deb\037t)10.1 (ed. The Pur)20 (chas)10.1 (e b)-10 (alanc)12 (e \037s r)20.1 (educ)12 (ed t)10 (o)20 ( zer)20 (o)20 ( b)20 (y 12 equal \037nst)10.2 (alments )]TJ 0 -1.187 Td [(wh\037ch t)10 (o)-9.9 (gether w\037th \037nt)10.1 (er)20 (est ar)20 (e p)-9.9 (a\037d monthly)10 (, st)10 (art\037ng one month af)-9.8 (t)10 (er the dat)10.1 (e o)10 (f \037n\037t\037al )]TJ 0 -1.187 Td [(dr)20 (a)20 (w)20 (do)20 (w)-2 (n. 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Y)120 (ou w\037ll s)10.1 (ee an)20 (y m\037ss)10.1 (ed or p)-10 (artly made Inst)10.2 (alment )]TJ 0 -1.187 Td [(Plan r)20 (ep)-9.9 (a)19.9 (y)-1.9 (ments \037n the app)30.1 (. )40 (W)65 (e w\037ll not char)20.1 (ge \037nt)10 (er)20 (est on the Inst)10.1 (alment Plan f)10.1 (ee.)]TJ /Span<>> BDC -1.772 -1.542 Td [( )-1561.7 ( )]TJ EMC 1.772 0 Td [(If y)20 (ou m\037ss or p)-9.9 (artly p)-9.9 (a)20 (y tw)20 (o)20 ( Inst)10.1 (alment Plan r)20.1 (ep)-10 (a)20 (y)-2 (ments)20 (, the full Inst)10.1 (alment Plan b)-9.9 (alanc)12.1 (e )]TJ -0.01 Tc 0 -1.187 Td [(w)-10 (\037)-10 (l)-10 (l)-10 ( )-10 (go)20 ( b)-10 (ack \037nt)10 (o)20 ( the ma\037n p)-10 (art o)10 (f y)20 (our cr)20 (ed\037t c)12 (ar)20 (d b)-9.9 (alanc)12 (e f)10 (r)20.1 (om y)20 (our ne)30 (xt monthly st)10 (at)10 (ement)-10 ( )]TJ -0.015 Tc 0 -1.187 Td [(d)-5 (a)-5 (t)5 (e)-5 ( )-5 (and \037nt)10 (er)20 (est w\037ll b)-10 (e char)20 (ged at y)20 (our normal Pur)20 (chas)10 (es or Balanc)12 (e T)100 (r)20 (ansf)10 (er)5 (s r)20 (at)10 (e,)-15 ( )]TJ -0.02 Tc 0 -1.187 Td [(a)-5 (s)]TJ /Span<>> BDC 0.996 0 Td ( )Tj EMC 0.195 0 Td [(a)-5 (p)-5 (p)-5 (l)-5 (\037)-5 (c)7 (a)-5 (b)-5 (l)-5 (e)-5 (.)-5 ( )35 (W)65 (e w\037ll not char)20 (ge \037nt)10 (er)20.1 (est on the Inst)10 (alment Plan f)10 (ee.)-20 ( )]TJ /Span<>> BDC 27.591 0 Td ( )Tj EMC 0 Tc -30.553 -1.542 Td (\(d\))Tj /T1_1 1 Tf /Span<>> BDC ( )Tj EMC 1.772 0 Td [(C)20 (anc)12 (ell\037ng an Inst)10 (alment Plan)]TJ /T1_0 1 Tf -0.02 Tc /Span<>> BDC -1.772 -1.542 Td [( )-1581.7 ( )]TJ EMC 1.772 0 Td [(An Inst)10 (alment Plan w\037ll end \037f y)20 (ou m\037ss or p)-10 (artly p)-10 (a)20 (y tw)20 (o)20 ( Inst)10 (alment Plan r)20 (ep)-10 (a)20 (y)-2 (ments as outl\037ned)-20 ( )]TJ 0 Tc 0 -1.187 Td [(ab)-10 (o)20 (v)20 (e at p)-9.9 (o\037nt \(c\). )]TJ -0.01 Tc -0.002 Tw /Span<>> BDC -1.772 -1.542 Td [( )-1573.6 ( )]TJ EMC 1.772 0 Td [(Y)120 (ou c)12 (an c)12 (anc)12.1 (el an Inst)10 (alment Plan at an)20 (y t\037me. If y)20 (ou do)30 (, y)20 (ou w\037ll not b)-10 (e char)20 (ged an)20 (y add\037t\037onal)-10 ( )]TJ 0.01 Tc 0 Tw 0 -1.187 Td [(monthly Inst)10 (alment Plan f)10 (ees and the Inst)10 (alment Plan b)-10 (alanc)12 (e w\037ll go)20 ( b)-10 (ack \037nt)10 (o)20 ( the ma\037n)10 ( )]TJ 0 -1.187 Td [(p)-10 (art o)10 (f y)20 (our cr)20 (ed\037t c)12 (ar)20 (d b)-9.9 (alanc)12 (e on the ne)30 (xt w)20 (ork\037ng da)20 (y)10 (. Int)10 (er)20 (est w\037ll b)-10 (e char)20 (ged at y)19.9 (our)10 ( )]TJ 0 -1.187 Td [(normal Pur)20 (chas)10 (es or Balanc)12 (e T)100 (r)20 (ansf)10 (er)5 (s r)20 (at)10 (e, as appl\037c)12 (able. )40 (W)65 (e w\037ll not char)20 (ge \037nt)10 (er)20 (est on)10 ( )]TJ 0 Tc 0 -1.187 Td [(the Inst)10.1 (alment Plan f)10 (ee. )]TJ 0.01 Tc /Span<>> BDC -1.772 -1.542 Td [( )-1551.7 ( )]TJ EMC 1.772 0 Td [(W)65 (e c)12 (an c)12 (anc)12 (el an Inst)10 (alment Plan \037f y)20 (ou br)20 (eak y)20 (our )40 (A)30 (gr)20 (eement w\037th us)20 (. If w)20 (e do)30 (, the full)10 ( )]TJ 0 -1.187 Td [(Inst)10 (alment Plan b)-10 (alanc)12 (e)]TJ /Span<>> BDC ( )Tj EMC [(and the monthly f)10 (ee w\037ll go)20 ( b)-10 (ack \037nt)10 (o)20 ( the ma\037n p)-10 (art o)10 (f y)20 (our cr)20 (ed\037t)10 ( )]TJ 0 -1.187 Td [(c)12 (ar)20 (d b)-10 (alanc)12 (e f)10 (r)20 (om y)20 (our ne)30 (xt monthly st)10 (at)9.9 (ement dat)10 (e and \037nt)10 (er)20 (est w\037ll b)-10 (e char)20 (ged at y)20 (our)10 ( )]TJ 0 -1.187 Td [(normal Pur)20 (chas)10 (es or Balanc)12 (e T)100 (r)20 (ansf)10 (er)5 (s r)20 (at)10 (e, as appl\037c)12 (able. )40 (W)65 (e w\037ll not char)20 (ge \037nt)10 (er)20 (est on)10 ( )]TJ 0 Tc 0 -1.187 Td [(the Inst)10.1 (alment Plan f)10 (ee. )]TJ -1.772 -1.542 Td (\(e\))Tj /T1_1 1 Tf /Span<>> BDC ( )Tj EMC 1.772 0 Td [(P)20 (a)20 (y\037ng o)10 (ff a plan early )]TJ /T1_0 1 Tf /Span<>> BDC -1.772 -1.542 Td [( )-1561.7 ( )]TJ EMC 1.772 0 Td [(If y)20 (ou w)20 (ant t)10.1 (o)20 ( p)-10 (a)20 (y o)10 (ff an Inst)10.1 (alment Plan early)10.1 (, y)20 (ou w\037ll need t)10.1 (o)20 ( p)-9.9 (a)19.9 (y o)10.1 (ff the r)20 (est o)10.1 (f y)20 (our cr)20 (ed\037t )]TJ 0 -1.187 Td [(c)12 (ar)20 (d b)-10 (alanc)12.1 (e f\037r)5 (st.)]TJ -1.772 -1.542 Td [(\(f)-10 (\))]TJ /T1_1 1 Tf 0.604 Tw /Span<>> BDC ( )Tj EMC [(O)9.9 (v)11 (erp)-9.9 (a)20 (y)-2 (ments )]TJ /T1_0 1 Tf 0 Tw /Span<>> BDC 0 -1.542 Td [( )-1561.7 ( )]TJ EMC 1.772 0 Td [(If y)20 (ou o)20 (v)20 (erp)-9.9 (a)20 (y and w)20 (e apply a p)-9.9 (a)20 (y)-2 (ment t)10.1 (o)20 (w)20 (ar)20 (ds y)20 (our outst)10.1 (and\037ng Inst)10 (alment Plan b)-9.9 (alanc)12 (e, )]TJ 0 -1.187 Td [(y)20 (ou w\037ll st\037ll need t)10.1 (o)20 ( mak)35.1 (e y)20 (our ne)30 (xt month)50.1 (\222)90 (s Inst)10 (alment Plan r)20.1 (ep)-10 (a)20 (y)-2 (ment on t\037me. )40.1 (An)20 (y )]TJ 0 -1.187 Td [(o)20 (v)20 (erp)-10 (a)20 (y)-2 (ments w\037ll r)20.1 (educ)12.1 (e the length o)10 (f t\037me y)20.1 (our plan \037s \037n plac)12.1 (e f)10 (or and ma)20.1 (y r)20 (educ)12.1 (e an)20 (y )]TJ 0 -1.187 Td [(f\037nal p)-10 (a)20 (y)-1.9 (ment. )40 (W)65 (e)50 (\222ll let y)20 (ou kno)20.1 (w \037n y)20 (our monthly cr)20.1 (ed\037t c)12 (ar)20.1 (d st)10 (at)10 (ement.)]TJ ET q 0 0 415.512 613.937 re W n /CS0 CS 0 SCN 1.25 w q 1 0 0 1 15 590.433 cm 0 0 m -15 0 l 385.512 0 m 400.512 0 l 0 -566.929 m -15 -566.929 l 385.512 -566.929 m 400.512 -566.929 l 8.504 8.504 m 8.504 23.504 l 8.504 -575.433 m 8.504 -590.433 l 377.008 8.504 m 377.008 23.504 l 377.008 -575.433 m 377.008 -590.433 l S Q 1 SCN 0.25 w q 1 0 0 1 15 590.433 cm 0 0 m -15 0 l 385.512 0 m 400.512 0 l 0 -566.929 m -15 -566.929 l 385.512 -566.929 m 400.512 -566.929 l 8.504 8.504 m 8.504 23.504 l 8.504 -575.433 m 8.504 -590.433 l 377.008 8.504 m 377.008 23.504 l 377.008 -575.433 m 377.008 -590.433 l S Q 0 SCN 0.4 w q 1 0 0 1 33.6914 5.9999 cm 0 0 m 2.88 0 l 2.88 0.498 l 0.589 0.498 l 0.64 0.705 0.763 0.894 0.958 1.063 c 1.067 1.159 1.218 1.26 1.409 1.365 c 1.811 1.588 l 2.164 1.785 2.409 1.953 2.546 2.092 c 2.782 2.33 2.9 2.617 2.9 2.953 c 2.9 3.271 2.79 3.561 2.568 3.82 c 2.346 4.08 1.995 4.21 1.515 4.21 c 0.936 4.21 0.533 4.007 0.305 3.601 c 0.176 3.37 0.108 3.072 0.103 2.707 c 0.639 2.707 l 0.646 2.968 0.687 3.171 0.762 3.318 c 0.9 3.592 1.15 3.729 1.512 3.729 c 1.756 3.729 1.951 3.658 2.098 3.514 c 2.244 3.37 2.317 3.176 2.317 2.931 c 2.317 2.722 2.237 2.536 2.077 2.373 c 1.976 2.27 1.799 2.145 1.547 1.998 c 0.984 1.673 l 0.607 1.454 0.354 1.211 0.224 0.943 c 0.094 0.676 0.02 0.361 0 0 c h S Q q 1 0 0 1 38.3994 5.8857 cm 0 0 m 0.484 0 0.858 0.126 1.122 0.378 c 1.386 0.63 1.518 0.956 1.518 1.356 c 1.518 1.606 1.456 1.818 1.332 1.991 c 1.207 2.164 1.035 2.28 0.814 2.341 c 0.951 2.397 1.062 2.476 1.148 2.575 c 1.287 2.735 1.356 2.944 1.356 3.202 c 1.356 3.563 1.239 3.839 1.005 4.03 c 0.771 4.22 0.439 4.315 0.012 4.315 c -0.529 4.315 -0.907 4.12 -1.122 3.729 c -1.247 3.511 -1.31 3.245 -1.31 2.933 c -0.788 2.933 l -0.778 3.171 -0.736 3.354 -0.662 3.483 c -0.527 3.718 -0.284 3.835 0.067 3.835 c 0.265 3.835 0.437 3.778 0.586 3.665 c 0.734 3.552 0.809 3.391 0.809 3.182 c 0.809 2.9 0.697 2.705 0.475 2.596 c 0.348 2.533 0.186 2.502 -0.012 2.502 c -0.055 2.502 -0.095 2.503 -0.132 2.505 c -0.169 2.507 -0.215 2.511 -0.27 2.517 c -0.27 2.051 l -0.232 2.053 -0.196 2.054 -0.16 2.055 c -0.124 2.056 -0.088 2.057 -0.053 2.057 c 0.262 2.057 0.507 1.999 0.684 1.884 c 0.861 1.769 0.949 1.566 0.949 1.277 c 0.949 1.043 0.865 0.852 0.697 0.703 c 0.529 0.555 0.307 0.48 0.029 0.48 c -0.328 0.48 -0.575 0.591 -0.712 0.812 c -0.79 0.935 -0.841 1.132 -0.864 1.403 c -1.415 1.403 l -1.415 1.013 -1.303 0.681 -1.08 0.409 c -0.856 0.136 -0.496 0 0 0 c h S Q q 1 0 0 1 40.8164 7.4853 cm 0 0 m 1.345 1.906 l 1.345 0 l 0 0 l h 1.881 -1.485 m 1.881 -0.46 l 2.499 -0.46 l 2.499 0 l 1.881 0 l 1.881 2.722 l 1.436 2.722 l -0.486 0.056 l -0.486 -0.46 l 1.354 -0.46 l 1.354 -1.485 l 1.881 -1.485 l h S Q q 1 0 0 1 45.1377 10.1953 cm 0 0 m -0.604 0 -1.021 -0.318 -1.251 -0.955 c -1.374 -1.297 -1.436 -1.706 -1.436 -2.183 c -1.436 -2.798 -1.333 -3.288 -1.128 -3.653 c -0.882 -4.091 -0.507 -4.31 -0.003 -4.31 c 0.556 -4.31 0.958 -4.042 1.204 -3.507 c 1.374 -3.134 1.459 -2.662 1.459 -2.092 c 1.459 -1.49 1.365 -1.017 1.178 -0.671 c 0.936 -0.224 0.543 0 0 0 c h -0.007 -3.829 m -0.348 -3.829 -0.588 -3.631 -0.729 -3.234 c -0.821 -2.975 -0.867 -2.631 -0.867 -2.203 c -0.867 -1.635 -0.795 -1.205 -0.651 -0.913 c -0.508 -0.621 -0.28 -0.475 0.031 -0.475 c 0.369 -0.475 0.597 -0.628 0.715 -0.936 c 0.832 -1.244 0.891 -1.636 0.891 -2.112 c 0.891 -2.772 0.809 -3.224 0.647 -3.466 c 0.485 -3.708 0.267 -3.829 -0.007 -3.829 c h S Q q 1 0 0 1 47.0391 5.9999 cm 0 0 m 2.88 0 l 2.88 0.498 l 0.589 0.498 l 0.64 0.705 0.763 0.894 0.958 1.063 c 1.067 1.159 1.218 1.26 1.409 1.365 c 1.811 1.588 l 2.164 1.785 2.409 1.953 2.546 2.092 c 2.782 2.33 2.9 2.617 2.9 2.953 c 2.9 3.271 2.79 3.561 2.568 3.82 c 2.346 4.08 1.995 4.21 1.515 4.21 c 0.936 4.21 0.533 4.007 0.305 3.601 c 0.176 3.37 0.108 3.072 0.103 2.707 c 0.639 2.707 l 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