My effective rate has reached 4.40% — significantly above the 2.0–2.5% benchmark for my business type. Your markup of 0.71% is nearly four times the industry standard. I was also charged a Regulatory Product Fee of $29.95 that did not appear on my December statement.

I'd like my markup reduced to 0.15% and the Regulatory Product Fee removed immediately. I've received competing quotes and I'm prepared to make a decision this week.