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 bor row 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 Offieer