Amy has started to make payments towards an RRSP, starting with a payment of $4500 and decreasing by 2% at the end of every year when she makes the following payment. If she plans on doing this for 18 years with an interest rate of 3.0% p.a. compounded annually, what will be the balance of the RRSP at the end of 18 years?

A) $100,152

B) $90,657

C) $102,000

D) $96,325

E) $85,600