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July 16,20—

 Customer Service Office

National Bank of Augusta

1398 State Street Augusta,

MD

   Dear Customer Service Office,

I am a new customer at your bank. I opened an account with you last month, and I have recently received my first monthly statement. I find that there is a service charge on three of the checks that I wrote. I understood that this account had free checking, so I was surprised to see this charge. Perhaps it is a mistake. I am enclosing a copy of the statement. Please clarify this matter for me. Thank you.

   Sincerely,

  Marvin Gardner

August 3, 20—

 Marvin Gardner 145

Merrywood Lane

Augusta, MD

 Dear Mr. Gardner,

We recently received your letter asking about charges to your account. While it is true that your account has free checking, some restrictions apply. You may write five checks a month free of charge. After that, you must maintain a minimum average balance of $600 in your account in order to continue with free checking. Since your average account balance last month was only $435, you were entitled to only five free checks. A service charge was applied to the checks you wrote beyond that minimum. I hope this explanation is satisfactory to you.

Let me take this opportunity to make sure that you are aware of other services you can get with your account. You can arrange to have your monthly utility bills deducted from your account. You are also eligible to borrow small amounts of money from the bank at a low interest rate. If you are interested in these or any other services, please visit us at the bank, and an officer will be happy to explain all the details to you. Thank you for being a National Bank of Augusta customer.

 Sincerely,

Eloise Lockwood Customer

Service Officer