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*No charge if earnings credit on investable balance exceeds charge. The bank will compute an average investable balance by the deduction of a 10% reserve requirement and the daily average uncollected funds for the statement period from the ledger balance. The result is the investable balance on which an earnings credit is computed. This earnings credit is the 90-day Treasury Bill rate less 1.50% (minimum earnings credit 1.50%) against these earnings the service charge is applied. The net service charge appears on the bank statement.