Suppose that your bank imposes the following fees and/ or service charges. Explain the bank's rationale and describe how you would respond as a customer.

a. $ 1.50 per item for use of an ATM run by an entity other than your own bank

b. $ 4 per transaction for using a live teller rather than making an ATM or telephone transaction

c. Increase in the charge for insufficient funds (where a customer writes a check for an amount greater than the balance available in the account) from $ 25 per item to $ 30 per item

d. A 1 percent origination fee for refinancing a mortgage