%PDF-1.5
%
1 0 obj
<>
endobj
2 0 obj
<>stream
2021-04-12T13:31:18-07:00
2021-04-12T13:31:18-07:00
2021-04-12T13:31:18-07:00
uuid:fdbd4c02-6399-4b92-acc4-453a8c3f4db1
uuid:942ef8a0-4b5f-4196-868b-344af79353aa
application/pdf
Adobe PDF Library 15/FusionPro
endstream
endobj
3 0 obj
<>
endobj
5 0 obj
<>>>>>/Resources<>/ExtGState<>/Font<>/ProcSet[/Text/PDF/ImageC]/Properties<>/XObject<>>>/TrimBox[0.0 0.0 612.279 793.699]/Type/Page>>
endobj
6 0 obj
<>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC/ImageI]/XObject<>>>/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>>
endobj
7 0 obj
<>/ExtGState<>/Font<>/ProcSet[/ImageC/PDF/Text]/XObject<>>>/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>>
endobj
53 0 obj
<>stream
q 1 0 0 1 0 792 cm
1 0 0 1 0 -792 cm
q 0 Tr
1 i 1 w 10 M 0 g 0 G
0.00 792.00 612.00 -792.00 re W n /Fm5 Do Q
1 0 0 1 0 792 cm
q 0 Tr
1 i 1 w 10 M 0 g 0 G
1 0 0 1 0 -792 cm
/Fm7 Do Q
Q
endstream
endobj
49 0 obj
<>stream
endstream
endobj
71 0 obj
<>/ExtGState<>/Font<>/ProcSet[/PDF/Text]>>/StructParents 8/Subtype/Form/Type/XObject>>stream
/Span <>BDC
BT
0 0 0 1 k
/GS0 gs
/T1_0 1 Tf
8 0 0 8 47.2548 752.9121 Tm
[(P)19 (age 3 of 3)]TJ
ET
EMC
/Artifact <>BDC
0 0 0 1 K
0.25 w 4 M
q 1 0 0 1 46.8 745.075 cm
0 0 m
518.4 0 l
S
Q
EMC
/Span <>BDC
BT
/CS0 cs 1 scn
/GS1 gs
/T1_1 1 Tf
11 0 0 11 46.3307 708.6302 Tm
[(4. Ho)10 (w does changing my )]TJ
ET
EMC
/Span <>BDC
BT
11 0 0 11 46.5521 695.6302 Tm
[(\037nancial assumpt)-18.8 (ions impact )]TJ
ET
EMC
/Span <>BDC
BT
11 0 0 11 208.7781 695.6302 Tm
( )Tj
ET
EMC
/Span <>BDC
BT
11 0 0 11 46.8257 682.6302 Tm
[(my f)-10 (utur)13.1 (e \037nancial situat)-18.9 (ion? )]TJ
ET
EMC
/Span <>BDC
BT
0 0 0 1 k
/GS0 gs
/T1_2 1 Tf
9 0 0 9 46.8466 667.6302 Tm
[(Retir)13 (ement Analysis)]TJ
ET
EMC
/Span <>BDC
BT
/T1_3 1 Tf
9 0 0 9 131.8594 667.6302 Tm
[( \226 It)-46 (\222)46 (s impossible )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.875 655.6302 Tm
[(to kno)10 (w for certain what will )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9016 643.6302 Tm
[(happen tomorr)11.1 (o)10 (w)62.9 (. T)95.1 (o pr)11 (o)10 (vide )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9045 631.6302 Tm
[(a \037nancial pr)11.1 (ojection, ho)10 (w)10 (ev)10 (er)86.1 (, )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9045 619.6302 Tm
(certain assumptions about what )Tj
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.7088 607.6302 Tm
[(will happen in t)-18.9 (he economy hav)10.1 (e to )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9016 595.6302 Tm
[(be made. But what if some of t)-18.8 (hose )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9045 583.6302 Tm
[(assumptions pr)11.1 (o)10 (v)10 (e to be wr)11 (ong? )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.5919 571.6302 Tm
[(What if)46.1 (, for ex)10 (ample, y)10.1 (ou w)10 (er)13 (e for)11 (ced )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.875 559.6302 Tm
[(to r)13 (etir)13 (e early? O)-12.9 (r perhaps y)10.1 (ou end )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.8598 547.6302 Tm
[(up spending mor)13.1 (e in r)13 (etir)13 (ement)-22.9 (. The )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9016 535.6302 Tm
(myGPS)Tj
ET
EMC
/Span <>BDC
BT
5.247 0 0 5.247 77.2224 538.6272 Tm
(\231)Tj
ET
EMC
/Span <>BDC
BT
9 0 0 9 81.3202 535.6302 Tm
[( Retir)13 (ement Analysis allo)10.2 (ws )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.6356 523.6302 Tm
[(y)10 (ou to independently change t)-18.8 (he )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9045 511.6302 Tm
[(assumptions y)10.1 (ou hav)10 (e made about )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.875 499.6302 Tm
[(t)-19 (he f)-9.9 (utur)13 (e to see ho)10 (w t)-19 (hat change will )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9045 487.6302 Tm
[(af)-20 (fect y)10.1 (our o)10 (v)10 (er)11 (all \037nances.)]TJ
ET
EMC
/Span <>BDC
BT
/T1_4 1 Tf
9 0 0 9 224.4 710.0701 Tm
[(Retir)13 (ement analysis \226 t)-18.8 (hing)-19 (s y)10 (ou cont)-18.9 (r)11 (ol)]TJ
ET
EMC
/Span <>BDC
BT
/T1_5 1 Tf
-0.005 Tc -0.017 Tw 6.65 0 0 7 46.7222 74.1601 Tm
[(Insur)11 (ance pr)11 (oducts ar)13 (e of)-20 (fer)13 (ed t)-19 (hr)11 (ough RBC W)57 (ealt)-19 (h M)-13 (anagement Financial S)-19 (er)-23 (vices Inc. \(\223)-17 (RBC WMFS)17 (\224\), a subsidiar)-23 (y of RBC D)-12.9 (ominion S)-19 (ecurities Inc.* RBC WMFS is licensed)-5 ( )]TJ
ET
EMC
/Span <>BDC
BT
-0.033 Tw 6.65 0 0 7 46.8658 65.1601 Tm
[(as )0.5 (a )0.5 (\037nancial )0.5 (ser)-23 (vices )0.5 (\037rm in t)-19 (he pr)11 (o)9 (vince )0.5 (of )0.5 (Q)-10 (uebec. )0.5 (RBC )0.5 (D)-13 (ominion S)-19 (ecurities )0.5 (Inc., )0.5 (RBC WMFS )0.5 (and Ro)9 (y)10 (al )0.5 (Bank )0.5 (of )0.5 (Canada )0.5 (ar)13 (e separ)11 (ate )0.5 (corpor)11 (ate )0.5 (entities which )0.5 (ar)13 (e )0.5 (af)-20 (\037liated.)-5.1 ( )]TJ
ET
EMC
/Span <>BDC
BT
-0.011 Tw 6.65 0 0 7 44.8735 56.1601 Tm
[(*M)-13 (ember)29 (-)-27 (Canadian In)12 (v)10 (estor Pr)11 (otection Fund. RBC D)-12.9 (ominion S)-19 (ecurities Inc. and RBC WMFS ar)13 (e member companies of RBC W)57 (ealt)-19 (h M)-13 (anagement)-23 (, a business segment of Ro)9 (y)10 (al)-5 ( )]TJ
ET
EMC
/Span <>BDC
BT
0 Tw 6.65 0 0 7 46.7754 47.1601 Tm
[(Bank of Canada. \256 / \231 T)95 (r)11 (ademark\(s\) of Ro)9 (y)9.9 (al Bank of Canada. Used under licence. \251 2020 RBC D)-13 (ominion S)-19 (ecurities Inc. All rights r)13 (eser)-23 (v)10 (ed. )]TJ
ET
EMC
/Span <>BDC
BT
0.005 Tw 4.75 0 0 5 466.4636 47.1601 Tm
(20_90083_268)Tj
ET
EMC
/Span <>BDC
BT
5.716 Tw /Span<>> BDC
6.65 0 0 7 497.1577 47.1601 Tm
( )Tj
EMC
(\(01/2020\))Tj
ET
EMC
/Artifact <>BDC
q 1 0 0 1 46.8 93.475 cm
0 0 m
518.4 0 l
S
Q
EMC
/Span <>BDC
BT
/CS0 cs 1 scn
/GS1 gs
/T1_1 1 Tf
0 Tc 0 Tw 11 0 0 11 46.7402 457.9202 Tm
[(5. What can I do to ensur)13.2 (e my )]TJ
ET
EMC
/Span <>BDC
BT
11 0 0 11 46.5521 444.9202 Tm
[(\037nancial goals and priorit)-18.7 (ies )]TJ
ET
EMC
/Span <>BDC
BT
11 0 0 11 46.781 431.9202 Tm
[(become r)13 (ealit)-18.9 (y?)]TJ
ET
EMC
/Span <>BDC
BT
0 0 0 1 k
/GS0 gs
/T1_2 1 Tf
9 0 0 9 46.6936 416.9202 Tm
[(W)57 (ealt)-19 (h M)-12.9 (anagement O)-12.9 (pportunities)]TJ
ET
EMC
/Span <>BDC
BT
/T1_3 1 Tf
9 0 0 9 197.0633 416.9202 Tm
( )Tj
ET
EMC
/Span <>BDC
BT
9 0 0 9 44.425 404.9202 Tm
(\226 myGPS)Tj
ET
EMC
/Span <>BDC
BT
5.247 0 0 5.247 81.8107 407.9172 Tm
(\231)Tj
ET
EMC
/Span <>BDC
BT
9 0 0 9 85.9085 404.9202 Tm
[( r)13 (eports t)-19 (he k)11.1 (ey \037nancial )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9017 392.9202 Tm
[(pr)11 (oducts, solutions and st)-18.9 (r)11 (ategies, )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.7088 380.9202 Tm
[(which ar)13 (e tailor)13.1 (ed to y)10 (our \037nancial )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.82 368.9202 Tm
[(situation and priorities, helping y)10.3 (ou )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.8751 356.9202 Tm
[(to mak)11 (e t)-19 (he most of what y)10.2 (ou hav)10 (e \226 )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9017 344.9202 Tm
[(bot)-19 (h no)10 (w and in t)-18.9 (he f)-9.9 (utur)13 (e. )]TJ
ET
EMC
/Span <>BDC
BT
/CS0 cs 1 scn
/GS1 gs
/T1_1 1 Tf
11 0 0 11 46.7221 318.2402 Tm
[(6. Could my business sur)-22.8 (viv)10 (e )]TJ
ET
EMC
/Span <>BDC
BT
11 0 0 11 46.8931 305.2402 Tm
(a major change or crisis?)Tj
ET
EMC
/Span <>BDC
BT
0 0 0 1 k
/GS0 gs
/T1_2 1 Tf
9 0 0 9 46.8466 290.2402 Tm
[(Business O)-26.9 (wner O)-13 (pportunities)]TJ
ET
EMC
/Span <>BDC
BT
/T1_3 1 Tf
9 0 0 9 176.0757 290.2402 Tm
( \226 For )Tj
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9017 278.2402 Tm
[(business o)10.1 (wners, t)-19 (he line betw)10.1 (een )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.7088 266.2402 Tm
[(w)10 (ork and life is blurr)13.1 (ed. Business )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.7573 254.2402 Tm
[(O)-27 (wner O)-12.9 (pportunities, outline )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.82 242.2402 Tm
[(solutions and st)-18.9 (r)11 (ategies t)-18.9 (hat can )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9017 230.2402 Tm
[(be pursued f)-9.9 (r)11 (om t)-19 (he business side )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9045 218.2402 Tm
[(or f)-10 (r)11 (om t)-18.9 (he personal side of y)10.1 (our )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.6718 206.2402 Tm
[(\037nances. The opportunities ar)13.2 (e )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.8751 194.2402 Tm
[(tailor)13 (ed to y)10.1 (our o)10 (wn situation and )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.9045 182.2402 Tm
[(co)10 (v)10 (er only t)-18.9 (hose topics which apply )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.8751 170.2402 Tm
[(to y)10 (ou, y)10 (our business and y)10.1 (our family )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 44.425 158.2402 Tm
[(\226 st)-19 (r)11 (ategies designed to help k)11.2 (eep y)10 (ou )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 46.8599 146.2402 Tm
[(in cont)-19 (r)11 (ol of y)10.1 (our \037nancial f)-9.9 (utur)13 (e. )]TJ
ET
EMC
/CS1 cs 0.15 scn
/GS1 gs
224.4 343.946 340.8 121.894 re
f
/Span <>BDC
BT
0 0 0 1 k
/GS0 gs
/T1_4 1 Tf
9 0 0 9 238.8 444.9601 Tm
[(Wills and po)10.1 (w)10 (er of attorney)]TJ
ET
EMC
/Span <>BDC
BT
/T1_6 1 Tf
9 0 0 9 238.8 423.4601 Tm
[(By planning for tomorr)11.2 (o)9.9 (w today)81.1 (, y)10 (ou can r)13 (etain mor)13.1 (e of y)10 (our assets, )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 411.4601 Tm
[(pr)11 (otect y)10.1 (our estate and leav)10.1 (e a lasting legac)-12.8 (y for y)10 (our family)81.1 (. A common )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 399.4601 Tm
[(misconception is t)-18.8 (hat only t)-19 (he w)10.1 (ealt)-19 (h)13 (y need to concern t)-18.9 (hemselv)10 (es wit)-18.9 (h )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 387.4601 Tm
[(estate planning. This misconception can r)13.3 (esult in signi\037cant unnecessar)-22.9 (y )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 375.4601 Tm
[(costs to y)10.1 (our estate and additional bur)11.2 (dens for sur)-22.9 (viv)10 (ors. In fact)-23 (\205)]TJ
ET
EMC
/CS1 cs 0.15 scn
/GS1 gs
224.4 141.84 340.8 184.32 re
f
/Span <>BDC
BT
0 0 0 1 k
/GS0 gs
/T1_4 1 Tf
9 0 0 9 238.8 305.2802 Tm
(Business succession planning)Tj
ET
EMC
/Span <>BDC
BT
/T1_6 1 Tf
9 0 0 9 238.8 283.7802 Tm
[(Business succession planning is t)-18.7 (he pr)11 (ocess of pr)13.1 (eparing, in adv)10.1 (ance, for t)-19 (he )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 271.7802 Tm
[(t)-19 (r)11 (ansfer of t)-18.9 (he o)10 (wnership and management r)13.2 (esponsibilities of y)10.1 (our business )]TJ
ET
EMC
/Span <>BDC
BT
-0.004 Tw 9 0 0 9 238.8 259.7802 Tm
[(to )0.5 (someone )0.5 (else. )0.6 (When )0.5 (done )0.5 (pr)11 (operly)81.1 (, )0.5 (a )0.5 (succession )0.5 (plan )0.5 (helps )0.6 (to )0.5 (ensur)13 (e )0.5 (t)-19 (hat )]TJ
ET
EMC
/Span <>BDC
BT
0 Tw 9 0 0 9 238.8 247.7801 Tm
[(y)10 (ou can t)-19 (r)11.1 (ansition aw)10 (ay f)-9.9 (r)11 (om y)10 (our business in an ef)-19.9 (fectiv)10.1 (e, satisf)-12.9 (ying, and )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 235.7801 Tm
[(con\037dent manner)85.1 (. Not having a plan in place can cause major disruptions in )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 223.7801 Tm
[(t)-19 (he oper)11.1 (ation of y)10 (our business as w)10.1 (ell as in y)10.1 (our personal life. M)-12.8 (any of t)-19 (hese )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 211.7801 Tm
[(pr)11 (oblems and disruptions may be av)10.2 (oided, or at least mitigated, by having a )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 199.7801 Tm
[(w)10 (ell t)-18.9 (hought out business succession plan in place befor)13.3 (e y)10 (ou need it)-22.9 (.)]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 238.8 183.2801 Tm
[(O)-13 (t)-19 (her bene\037ts of a business succession plan may include:)]TJ
ET
EMC
/Span <>BDC
BT
/Span<>> BDC
4.5 0 0 4.5 242.3596 168.7801 Tm
( )Tj
EMC
ET
EMC
/Span <>BDC
BT
/C2_0 1 Tf
4.5 0 0 4.5 238.8 168.7801 Tm
<004F>Tj
ET
EMC
/Span <>BDC
BT
/T1_6 1 Tf
9 0 0 9 249.6 166.7801 Tm
[(The minimiz)10.1 (ation of tax... )]TJ
ET
EMC
/Span <>BDC
BT
9 0 0 9 352.7295 166.7801 Tm
( )Tj
ET
EMC
/Span <>BDC
BT
/CS0 cs 1 scn
/GS1 gs
/T1_0 1 Tf
9.5 0 0 9.5 224.5061 120.6401 Tm
[(For mor)13.1 (e information about myGPS)]TJ
ET
EMC
/Span <>BDC
BT
5.5385 0 0 5.5385 387.1816 123.8036 Tm
(TM)Tj
ET
EMC
/Span <>BDC
BT
9.5 0 0 9.5 395.5336 120.6401 Tm
[(, please contact us today)82 (.)]TJ
ET
EMC
/Span <>BDC
BT
0 0 0 0.9 k
/T1_7 1 Tf
7 0 0 7 264.6375 362.6001 Tm
[(O)-13 (pportunit)-18.9 (y is for illust)-18.9 (r)11 (ativ)10 (e purposes only and may not apply in all situations)0.5 (.)]TJ
ET
EMC
/Span <>BDC
BT
7 0 0 7 524.9625 362.6001 Tm
( )Tj
ET
EMC
/Span <>BDC
BT
7 0 0 7 264.2175 153.0001 Tm
[(O)-13 (pportunit)-18.9 (y is for illust)-18.9 (r)11 (ativ)10 (e purposes only and may not apply in all situations)0.5 (.)]TJ
ET
EMC
/Span <>BDC
BT
7 0 0 7 524.5425 153.0001 Tm
( )Tj
ET
EMC
/Span <>BDC
BT
/CS2 cs 1 scn
/T1_3 1 Tf
4.95 0 0 5.5 287.3424 668.6224 Tm
[(4,)27 (000K)]TJ
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 287.8275 643.6224 Tm
[(3,)27 (000K)]TJ
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 287.7532 618.6224 Tm
[(2,)27 (000K)]TJ
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 288.5997 593.6224 Tm
[(1)23 (,)27 (000K)]TJ
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 297.3511 568.6224 Tm
(0K)Tj
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 312.6077 602.3601 Tm
[($1)23 (,)36 (14)-15 (4,)36 (981)]TJ
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 386.024 608.7601 Tm
[($1)23 (,419)59 (,)-35.9 (2)26.9 (48)]TJ
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 459.4192 648.4801 Tm
[($3,)27 (009)59.1 (,)-36 (5)-13 (7)31 (4)]TJ
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 496.3766 631.5601 Tm
[($2,)-36 (333,431)]TJ
ET
EMC
/Span <>BDC
BT
4.95 0 0 5.5 350.4799 621.9601 Tm
[($1)23 (,)36 (933,)36 (181)]TJ
ET
EMC
/Artifact <>BDC
/CS2 CS 0.5 SCN
0.5 w
q 1 0 0 1 304.88 670.32 cm
0 0 m
0 -99.36 l
259.68 -99.36 l
S
Q
EMC
/Artifact <>BDC
q 1 0 0 1 304.88 645.6 cm
0 0 m
259.68 0 l
S
Q
EMC
/Artifact <>BDC
q 1 0 0 1 304.88 620.64 cm
0 0 m
259.68 0 l
S
Q
EMC
/Artifact <>BDC
q 1 0 0 1 304.88 595.92 cm
0 0 m
259.68 0 l
S
Q
EMC
/Artifact <>BDC
q 1 0 0 1 344 502.32 cm
0 0 m
0 168 l
S
Q
q 1 0 0 1 416.95 502.32 cm
0 0 m
0 168 l
S
Q
q 1 0 0 1 490.39 502.32 cm
0 0 m
0 168 l
S
Q
EMC
/Artifact <>BDC
/CS0 cs 1 scn
314.4 570.96 18.3 28.36 re
f
EMC
/Artifact <>BDC
314.4 679.647 18.3 1.024 re
f
EMC
/Artifact <>BDC
/CS3 cs 1 scn
351.4 570.96 18.3 48.24 re
f
EMC
/Artifact <>BDC
351.4 679.647 18.3 1.024 re
f
EMC
/Artifact <>BDC
0.5 scn
388.4 570.96 18.3 35.04 re
f
EMC
/Artifact <>BDC
388.4 679.647 18.3 1.024 re
f
EMC
/Artifact <>BDC
/CS4 cs 0.5 scn
536.22 679.647 18.3 1.024 re
f
EMC
/Artifact <>BDC
/CS5 cs 0.5 scn
462.25 570.96 18.3 74.64 re
f
EMC
/Artifact <>BDC
462.25 679.647 18.3 1.024 re
f
EMC
/Artifact <>BDC
1 scn
425.28 679.647 18.3 1.024 re
f
EMC
/Artifact <>BDC
/CS4 cs 1 scn
499.22 570.96 18.3 57.84 re
f
EMC
/Artifact <>BDC
499.22 679.647 18.3 1.024 re
f
EMC
0.35 w 10 M
q 1 0 0 1 224.4 558.5451 cm
0 0 m
340.16 0 l
S
Q
q 1 0 0 1 224.4 550.5451 cm
0 0 m
340.16 0 l
S
Q
q 1 0 0 1 224.4 542.5451 cm
0 0 m
340.16 0 l
S
Q
q 1 0 0 1 224.4 534.5451 cm
0 0 m
340.16 0 l
S
Q
q 1 0 0 1 224.4 526.5451 cm
0 0 m
340.16 0 l
S
Q
0 0 0 1 K
1 w
/GS0 gs
q 1 0 0 1 224.4 518.2201 cm
0 0 m
340.16 0 l
S
Q
/CS2 CS 0.5 SCN
0.35 w
/GS1 gs
q 1 0 0 1 224.4 510.5451 cm
0 0 m
340.16 0 l
S
Q
q 1 0 0 1 224.4 502.5451 cm
0 0 m
340.16 0 l
S
Q
/Span <>BDC
BT
/CS2 cs 1 scn
/T1_0 1 Tf
/Span<>> BDC
5 0 0 5 224.4 560.7201 Tm
( )Tj
22 0 Td
( )Tj
EMC
2.362 0 Td
[( S)-19 (cenario 1)]TJ
/Span<>> BDC
( )Tj
EMC
7.259 0 Td
[( S)-19 (cenario 2)]TJ
/Span<>> BDC
( )Tj
EMC
7.591 0 Td
[(S)-19 (cenario 1)]TJ
/Span<>> BDC
( )Tj
EMC
7.659 0 Td
[(S)-19 (cenario 2)]TJ
/Span<>> BDC
( )Tj
EMC
7.541 0 Td
[(S)-19 (cenario 1)]TJ
/Span<>> BDC
( )Tj
EMC
7.259 0 Td
[(S)-19 (cenario 2)]TJ
ET
EMC
/Span <>BDC
BT
/T1_3 1 Tf
5 0 0 5 224.4 552.7201 Tm
[(S)-19 (ensitivit)-18.9 (y)]TJ
/Span<>> BDC
( )Tj
22 0 Td
( )Tj
EMC
4.144 0 Td
[($15,)27 (000)]TJ
/Span<>> BDC
( )Tj
EMC
7.78 0 Td
[($5,)27 (000)]TJ
/Span<>> BDC
( )Tj
EMC
9.438 0 Td
(-3)Tj
/Span<>> BDC
( )Tj
EMC
8.11 0 Td
(2)Tj
/Span<>> BDC
( )Tj
EMC
4.746 0 Td
[(-6.)27 (00%)]TJ
/Span<>> BDC
( )Tj
EMC
7.515 0 Td
[(8.)27 (00 %)]TJ
ET
EMC
/Span <>BDC
BT
5 0 0 5 224.4 544.7201 Tm
[(Annual S)-18.9 (aving)-19 (s)]TJ
/Span<>> BDC
( )Tj
EMC
18.507 0 Td
[($10)27 (,)27 (000)]TJ
/Span<>> BDC
( )Tj
EMC
7.489 0 Td
[($25,)27 (000)]TJ
/Span<>> BDC
( )Tj
EMC
7.548 0 Td
[($15,)27 (000)]TJ
/Span<>> BDC
( )Tj
EMC
ET
EMC
/Span <>BDC
BT
5 0 0 5 224.4 536.7201 Tm
[(Retir)13 (ement A)-26.9 (ge - D)-13 (anilo Amanda)]TJ
/Span<>> BDC
( )Tj
EMC
18.973 0 Td
(65 / 60)Tj
/Span<>> BDC
( )Tj
10.627 0 Td
( )Tj
7.4 0 Td
( )Tj
EMC
4.294 0 Td
[(62 / 5)-12.9 (7)]TJ
/Span<>> BDC
( )Tj
EMC
7.807 0 Td
[(6)19 (7 / 62)]TJ
/Span<>> BDC
( )Tj
EMC
ET
EMC
/Span <>BDC
BT
5 0 0 5 224.4 528.7201 Tm
[(Annual Retir)13.1 (ement E)-23 (xpenses)]TJ
/Span<>> BDC
( )Tj
EMC
17.979 0 Td
[($120)27 (,)27 (000)]TJ
/Span<>> BDC
( )Tj
11.621 0 Td
( )Tj
7.4 0 Td
( )Tj
7.2 0 Td
( )Tj
7.8 0 Td
( )Tj
EMC
3.603 0 Td
($112,800)Tj
/Span<>> BDC
( )Tj
EMC
7.259 0 Td
[($129)59 (,600)]TJ
ET
EMC
/Span <>BDC
BT
0 0 0 1 k
/GS0 gs
/T1_1 1 Tf
5 0 0 5 224.4 520.7201 Tm
[(T)95 (otal In)13 (v)10 (est)-18.9 (ment A)-11 (sset)-13.9 (s at D)-13 (eat)-18.9 (h)]TJ
/Span<>> BDC
( )Tj
EMC
17.2 0 Td
[($1)23 (,)36 (14)-15 (4,)36 (981)]TJ
/Span<>> BDC
( )Tj
EMC
7.723 0 Td
[($1)23 (,)36 (933,)36 (181)]TJ
/Span<>> BDC
( )Tj
EMC
7.136 0 Td
[($1)23 (,419)59 (,)-36 (2)27 (48)]TJ
/Span<>> BDC
( )Tj
EMC
10.929 0 Td
($0)Tj
/Span<>> BDC
( )Tj
EMC
3.747 0 Td
[($3,)27 (009)59 (,)-36 (5)-12.9 (7)31 (4)]TJ
/Span<>> BDC
( )Tj
EMC
7.569 0 Td
[($2,)-36 (333,431)]TJ
/Span<>> BDC
( )Tj
EMC
11.284 0 Td
($0)Tj
ET
EMC
/Span <>BDC
BT
/CS2 cs 1 scn
/GS1 gs
/T1_3 1 Tf
5 0 0 5 224.4 512.7201 Tm
[(Pr)13 (esent V)48 (alue)]TJ
/Span<>> BDC
( )Tj
EMC
17.91 0 Td
[($322,)-36 (394)]TJ
/Span<>> BDC
( )Tj
EMC
7.49 0 Td
[($54)-15 (4,)-36 (329)]TJ
/Span<>> BDC
( )Tj
EMC
7.568 0 Td
[($399)59 (,620)]TJ
/Span<>> BDC
( )Tj
EMC
10.092 0 Td
($0)Tj
/Span<>> BDC
( )Tj
EMC
5.219 0 Td
[($8)-13 (47)82 (,411)]TJ
/Span<>> BDC
( )Tj
EMC
7.217 0 Td
[($65)-13 (7)82 (,)27 (028)]TJ
/Span<>> BDC
( )Tj
EMC
10.164 0 Td
($0)Tj
ET
EMC
/Span <>BDC
BT
5 0 0 5 224.4 504.7201 Tm
[(A)-27 (ge When A)-10.9 (ssets Reach Zer)11.1 (o)]TJ
/Span<>> BDC
( )Tj
22 0 Td
( )Tj
7.6 0 Td
( )Tj
7.4 0 Td
( )Tj
EMC
4.727 0 Td
(89/89)Tj
/Span<>> BDC
( )Tj
10.273 0 Td
( )Tj
7.4 0 Td
( )Tj
EMC
4.911 0 Td
(92/92)Tj
ET
EMC
/Span <>BDC
BT
0 0 0 1 k
/GS0 gs
/T1_1 1 Tf
/Span<>> BDC
5 0 0 5 303.2 694.3201 Tm
[( )-3950 ( )]TJ
EMC
9.574 0 Td
[(Annual Non-Reg S)-18.8 (aving)-19 (s)]TJ
/Span<>> BDC
( )Tj
20.426 0 Td
( )Tj
EMC
10.786 0 Td
[(Annual Lifest)-18.9 (yle)]TJ
ET
EMC
/Span <>BDC
BT
5 0 0 5 547.2696 694.3201 Tm
( )Tj
ET
EMC
/Span <>BDC
BT
/Span<>> BDC
5 0 0 5 303.2 688.3201 Tm
( )Tj
EMC
1.614 0 Td
(Base Case)Tj
/Span<>> BDC
( )Tj
EMC
9.861 0 Td
[(Unt)-19 (il Ret)-18.9 (ir)13 (ement)]TJ
/Span<>> BDC
( )Tj
EMC
14.655 0 Td
[(Ret)-19 (ir)13.1 (ement A)-27 (ge)]TJ
/Span<>> BDC
( )Tj
EMC
13.648 0 Td
[(Ret)-19 (ir)13 (ement E)-23 (xpense)]TJ
ET
EMC
endstream
endobj
62 0 obj
<>
endobj
63 0 obj
<>
endobj
64 0 obj
<>
endobj
65 0 obj
<>
endobj
66 0 obj
<>
endobj
67 0 obj
<>
endobj
68 0 obj
<>
endobj
69 0 obj
<>
endobj
70 0 obj
<>
endobj
91 0 obj
<>
endobj
92 0 obj
<>stream
H\j0l/Jmc
!Pr t1NzfY_QY*M8A9p \9`;3=Nnƫy\;<胒fXpŵނйz
Q}{tP`4lSYwӼGHs"b`qи9Hٵ5MPyʗYL,LAY0y/g΄3.O'fqLzeKzt*2o̢A-4kТA-( ײ45xzm!hs~@U_ o:
endstream
endobj
93 0 obj
<>stream
HlTkPdmlJtj\?6]Ƶ!Ǽ3`C z !1Y
aHxSL?dt.dtwfggwwsH[@$ bcc# 8Aw2;GSʷq^}w) >/! wFV!7$ x$(y'Oa!7ޒ\̐
IJ_S櫴Q'َJ4
BSpؙmt" H~ " BB* D7M$
_! _L%~^%1ޭZi||^aMmj@j5;:Y
W#.=0X lBj\~uM+ʣ[}"FQ$Ydg&VՉ}[.
? P0'T|8l䏒Q*Kg\ĕzE.|2Ă?":}k7Әl]F|Yk<`1?qP4}>vyo6"uCFhm-8βQwۿe9h/:?x~O0
ۑ ćUCa n߱yo5sB?l:^4 (%ڊڍĺ: