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The reason they asked you to look at your contract is becuase that is where it will state what your flat reserve or percentage of income reserve fee is.
The will take the reserve from each month's processing till the contract fund is reached and then stop taking a reserve. Basically, if you contract states your reserve will be $20000 then you get charged 5% or whatever per month till this reserve fund is reached and then they stop taking it out of your account.
I believe this reserve is kept for 6 months AFTER you terminate your contract with them.
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