18-120 the Bank Would Like to Limit the Average Return

18-120 The bank would like to limit the average return (both explicit and implicit) earned by the account holder to 5 percent per year.How much should it charge for processing each check to this Account holder assuming that it will pay annual interest of 5 percent and minimum balances of $200 are maintained?

A) 1 cent per check.
B) 2 cent per check.
C) 3 cent per check.
D) 4 cent per check.
E) 5 cent per check.