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I'll see what I can figure out on this end and get back with you as soon as I get some details. Thanks!Sorry, V, but I cannot find the thread we were on. Yes, it is the next to last item posted on my bank statement. I follow the reasoning for giving reduced rate for new customer only. No problem. I may have overlooked all, but I had 3 incorrect charges to my account yesterday. Bank said they could not help me. Of course computer tech charged $200 for their service.